CN109345342A - A kind of payment processing device and its processing method by judging credit permission post-paid - Google Patents
A kind of payment processing device and its processing method by judging credit permission post-paid Download PDFInfo
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- CN109345342A CN109345342A CN201811096210.XA CN201811096210A CN109345342A CN 109345342 A CN109345342 A CN 109345342A CN 201811096210 A CN201811096210 A CN 201811096210A CN 109345342 A CN109345342 A CN 109345342A
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- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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- 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
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- 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
- G06Q20/24—Credit schemes, i.e. "pay after"
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F15/00—Coin-freed apparatus with meter-controlled dispensing of liquid, gas or electricity
- G07F15/003—Coin-freed apparatus with meter-controlled dispensing of liquid, gas or electricity for electricity
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Abstract
The present invention relates to Internet technical fields, more particularly to by judging that credit allows the payment processing device and its processing method of post-paid.It including User profile acquisition module, is used for: obtaining the user information of the user；Risk judgment module, is used for: according to the payment information and the user information, the degree of risk of judgement this service；Determining module is paid, is used for: determining that mode is paid in the electricity charge of this service according to judging result.The present invention can judge the degree of risk of this service, and then determine that mode is paid in the suitable electricity charge, to prevent client's owing electricity charges, improve service quality according to the payment information and user information of this service.
Description
Technical field
The present invention relates to Internet technical fields, more particularly to by judging that credit allows the payment processing device of post-paid
And its processing method.
Background technique
Pre-payment is to improve client's owing electricity charges effective means, but it is not smooth to carry out process.Principal contradiction is present in portion
The transformation for dividing user to be not suitable with pay charge way just will receive a large amount of short message warnings once measuring and calculating remaining sum is lower than preset threshold in real time,
It makes troubles to client, many clients is caused not receive the form of payment of pre-payment.
Thus, it would be highly desirable to occur it is a kind of by judging that customers' credit value decides whether the payment model of pre-payment, for credit
The client of lower frequent owing electricity charges, does not allow post-paid, and the client for paying the electricity charge on time for credit height allows the monthly electricity charge
In electricity payment after clearing.
Summary of the invention
To overcome the problems in correlation technique, the present invention provides a kind of payment informations that can be serviced according to this
And user
Information judges the degree of risk of this service, and then determines that mode is paid in the suitable electricity charge, so that client be prevented to be in arrears with electricity
Take, the payment processing device and its processing method by judging credit permission post-paid improved service quality.
It is a kind of by judge credit allow post-paid payment processing method, be characterized in that the following steps are included:
1, receive the service request initiated after the distribution of each electricity bill, this service is determined according to the service request involved by
Payment information；
2, the user information of the user is obtained；
3, according to the user information, the degree of risk of judgement this service；
4, determine that mode is paid in the electricity charge of this service according to judging result.
Preferably, the payment information includes following one or more information: it is pre- to indicate whether this electricity charge expense is higher than
If the information of cost threshold；Indicate the user whether the information of householder；
Preferably, the user information includes following one or more information: indicate the user whether householder's information；Instruction institute
State the credit information of user credit height；It indicates whether the user has not pay or the information of aged fail electricity bill；
Preferably, the user information and/or the acquisition modes of credit information include: to obtain institute by sales service application system
State user information and/or credit information；
Preferably, the degree of risk that this service is determined according to judging result, comprising: if it is determined that this described service
Degree of risk be higher than pre-set level, determine and need the preparatory electricity payment of user；If it is determined that the risk of this service
Degree is lower than predetermined level, and determination does not need the preparatory electricity payment of the user；
Preferably, before receiving the service request that each electricity charge issue cycle is initiated, the method also includes: inquire the user
Whether have and do not pay or the electricity bill of aged fail, determines whether the user can be initiated the clothes according to query result
Business request；
Preferably, whether the inquiry user, which has, does not pay or the electricity bill of aged fail, comprising: passes through sales service
Application system, the electricity charge account of inquiry and the user-association；By inquire sales service application system whether have do not pay or
The electricity bill of aged fail determines whether the user has and does not pay or the electricity bill of aged fail.
It is a kind of by judging that credit allows the payment processing device of post-paid, be characterized in that and include:
Request receiving module is used for: the service request initiated after each electricity bill distribution is received, it is true according to the service request
Fixed this services related payment information；
User profile acquisition module is used for: obtaining the user information of the user；
Risk judgment module, is used for: according to the payment information and the user information, the risk journey of judgement this service
Degree；
Determining module is paid, is used for: determining that mode is paid in the electricity charge of this service according to judging result.
Preferably, the user information includes following one or more information: it is pre- to indicate whether this electricity charge expense is higher than
If the information of cost threshold；Indicate the information of the account balance of the user.
Preferably, the user information includes following one or more information: indicate the user whether householder's information；Refer to
Show the credit information of the user credit height；It indicates whether the user has not pay or the letter of the electricity bill of aged fail
Breath.
Preferably, the data obtaining module, is also used to: obtaining the householder by sales service application system and authenticates letter
Breath and/or credit information；
Preferably, the risk judgment module, is also used to: if it is determined that the degree of risk of this service is higher than pre-set level,
It determines and needs the preparatory electricity payment of user；If it is determined that the degree of risk of this service is lower than predetermined level, determine not
Need the preparatory electricity payment of the user；
Preferably, described device further includes bill enquiry module, is used for: the service initiated after receiving each electricity bill distribution
Before request, inquires the user and whether have not paying or the electricity bill of aged fail, the user is determined according to query result
Whether the service request can be initiated；
Preferably, the enquiry module, is also used to: by preset the provided interface of information association platform, inquiry and the use
The associated information association platform account in family；Whether have by inquiring sales service application system and does not pay or the electricity charge of aged fail
Bill determines whether the user has and does not pay or the electricity bill of aged fail.
A kind of server, comprising: processor, for the memory of storage processor executable instruction.
Wherein, the processor is configured to: the service request initiated after the distribution of each electricity bill is received, according to described
Service request determines that this services related electricity charge payment information；
Obtain the user information of the user；According to the payment information and the user information, judgement this service
Degree of risk；
Determine that mode is paid in the electricity charge according to judging result.
A kind of computer storage medium, program instruction is stored in the storage medium, and described program instruction includes:
Receive the service request initiated after the distribution of each electricity bill, this service is determined according to the service request involved in
Electricity charge payment information；
Obtain the user information of the user；
According to the payment information and the user information, the degree of risk of judgement this service；
Determine that mode is paid in this described electricity charge according to judging result.
Technical solution of the present invention has the advantages that
The present invention provides a kind of payment processing schemes of service request, can be believed according to the payment information of this service and user
Breath judges the degree of risk of this service, and then determines that mode is paid in the suitable electricity charge, to prevent client's owing electricity charges, mentions
High quality-of-service.
Detailed description of the invention
Fig. 1 is a kind of application scenario diagram of the payment processing method of service request in the related technology.
Fig. 2 is that the present invention is shown according to an exemplary embodiment a kind of by judging that credit allows at the payment of post-paid
The flow chart of reason method.
Fig. 3 is that the present invention is shown according to an exemplary embodiment a kind of by judging that credit allows at the payment of post-paid
Manage the block diagram of device.
Specific embodiment
Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to
When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with the application.On the contrary, they be only with it is such as appended
The example of device and method being described in detail in claims, some aspects of the invention are consistent.
It is only to be not intended to be limiting the application merely for for the purpose of describing particular embodiments in terminology used in the present invention.
It is also intended in the present invention and the "an" of singular used in the attached claims, " described " and "the" including majority
Form, unless the context clearly indicates other meaning.It is also understood that term "and/or" used herein refers to and wraps
It may be combined containing one or more associated any or all of project listed.
It will be appreciated that though various information, but this may be described using term first, second, third, etc. in the present invention
A little information should not necessarily be limited by these terms.These terms are only used to for same type of information being distinguished from each other out.For example, not departing from
In the case where the application range, the first information can also be referred to as the second information, and similarly, the second information can also be referred to as
One information.Depending on context, word as used in this " if " can be construed to " ... when " or " when ...
When " or " in response to determination ".
It as shown in Fig. 1, is a kind of application scenario diagram of the payment processing method of service request in the related technology, attached drawing 1
In include service platform, multiple service providers and multiple demand for services sides between service provider and demand for services side.
In practical application, service platform can be electric e precious, rainbow business hall or palm electric power etc..
By taking the electric e treasured service platform between power supply enterprise and user as an example, power supply enterprise and user can be in electronic equipments
The client (APP, Application) that the middle installation service platform provides, is obtained provided by application service side by APP
Platform service.User can bind electricity charge account by APP, and after each meter reading example day electricity charge distribution, which can be
Power supply enterprise establishes with user and is associated with, and generates data.And the expense needs of this electricity bill are paid by user, the relevant technologies
In, the means of payment is usually that user binds one or more payment accounts (such as Third-party payment platform account or bank in advance
Card account etc.), after electricity bill distribution, user pays expense by payment account, or is being to open to exempt from password payment
In the case where this electricity charge expense is taken off from the payment account of binding by service platform.
However the payment account remaining sum for being likely to occur binding in practice is zero, the feelings that Sorry, your ticket has not enough value or user does not pay
Condition generates bad credit because successfully not taking off expense so as to cause service platform.Based on this, service provided in an embodiment of the present invention
The payment processing scheme of request can judge the risk journey of this service according to the payment information and user information of this service
Degree, and then determine the suitable electricity charge means of payment, to prevent the electricity charge from failing the defect taken off.Next to the present embodiment
The scheme of offer is described in detail.
It as shown in Fig. 2, is that the present invention is shown according to an exemplary embodiment a kind of by judging to pay after credit allows
The flow chart of the payment processing method taken can be applied to the service platform between service provider and demand for services side, including such as
Lower step:
Receive the service request initiated after the distribution of each electricity bill, this service is determined according to the service request involved in
Payment information.
Obtain the user information of the user.
According to the payment information and the user information, the degree of risk of judgement this service.
The electricity charge means of payment of this service is determined according to judging result.
The service platform of the present embodiment can safeguard the account data of service provider Yu demand for services side, such as service
The account of party in request, the contact information of demand for services side, the identity information of demand for services side, demand for services side title or
Electricity bill relevant information etc..
In practical application, power supply enterprise attendant can initiate service request by modes such as related initiating ports.Clothes
The relevant information and user related information of this service can be carried in business request, in order to judge the risk journey of this service
Degree, the present embodiment can be judged from two dimensions of payment information and user information.As an example it is assumed that this service
Generate costly, user account balance it is less or do not open exempt from password payment etc., these factors influence this service
Degree of risk；On the other hand, whether user is the previous historical behavior information (example of real-name authentication user, the credit of user, user
Such as the user's history complete electricity bill quantity, whether have history do not pay or aged fail electricity bill), these because
Element is related to the credit of user, also accordingly influences the degree of risk of this service.
In an optional implementation, the embodiment of the present invention provides following payment information, and the payment information can be with
Including following one or more information:
Indicate whether this electricity charge expense is higher than the information of preset cost threshold value；The present embodiment can set one according to actual needs
A preset cost threshold value, the preset cost threshold value are used to indicate whether this electricity charge expense is higher, and higher electricity charge expense may
Have certain risk.
Indicate whether the user has bound the information of payment account；Optionally, in certain services for being related to payment, user
Payment account can be bound, the present embodiment can determine whether user is bundled with payment account by user data, if binding
There is payment account that can also have some impact on to the degree of risk of service, if binding has payment account, payment account can be passed through
Determine more payment informations of user, therefore, binding has payment account relative to no binding payment account, the risk journey of service
It spends lower.
Indicate the information of the account balance of the user；Optionally, in certain services for being related to payment, user can be preparatory
Charging payment, the present embodiment can determine the account balance of user by user data, and the number of account balance can be to service
Degree of risk has some impact on, if account balance is zero, and this service is costly, then the degree of risk of this service
It may be higher；If account balance is more, account balance is higher than the expense of this service, then the degree of risk serviced may be lower.
Indicate whether the user has turned on the information for exempting from password payment.Optionally, it in certain services for being related to payment, uses
Family can bind payment account or preparatory account charging, and optionally open and exempt from password payment.The present embodiment can pass through user
Data determine whether user opens and exempt from password payment, if password payment is exempted from unlatching to cause a fixing to the degree of risk of service
It rings, exempts from password payment if opening, service side may not need user's confirmation and take off service fee, and therefore, password payment is exempted from unlatching
Exempt from password payment relative to not opening, the degree of risk of service may be lower.
In an optional implementation, the user information includes following one or more information:
Indicate the user whether be real-name authentication householder's information；The present embodiment service side can be determined by user data
User's whether real-name authentication, if real-name authentication can have some impact on the degree of risk of service.
Indicate the credit information of the user credit height；Optionally, the available credit information for having user of service side,
Optionally, such credit information can be service side and obtain from other credit services platforms, and the height of credit information can reflect
Whether user has the probability of malicious act, therefore credit information can be used as the assessment factor of the degree of risk of service.
It indicates whether the user has not pay or the information of the electricity bill of aged fail.Optionally, service side can be with
User is consulted from historical bills data whether have and do not pay or aged fail order, if user has and do not pay or aged fail is ordered
It is single, it is believed that user escapes money behavior in the presence of malice, may have some impact on to the degree of risk of this service.
Wherein, for real-name authentication information and credit information, in an optional implementation, the real-name authentication letter
It ceases and/or the acquisition modes of credit information includes:
The real-name authentication information and/or credit information are obtained by the provided interface of preset information association platform.
In the present embodiment, information association platform may include providing the platform of real-name authentication information, and provide credit letter
The platform of breath, the platform of above-mentioned real-name authentication information and the platform for providing credit information can be identical platform, can also not
Same platform.In practical application, service side can by interface provided by being associated with platform with other information, rapidly obtain described in
Real-name authentication information or credit information.For example, information association platform may include Third-party payment platform, Third-party payment
Refer to have the independent agency of certain strength and prestige guarantee, using with each big bank signing by the way of, by with bank paying
Settlement system interface docks and the network payment mode of facilitating both parties to trade, such as Alipay or wechat payment etc.
Deng.Service side can be with Third-party payment platform cooperation, it is hereby achieved that real-name authentication information or credit accurately and securely
Information.
By above-mentioned multiclass information, service platform can be set as needed multiclass degree of risk.For example, if this electricity charge
Expense it is lower, and real-name authentication, it is believed that the risk of this service is lower；If costly, the Yong Huwei of this electricity charge
Real-name authentication and not opening exempts from password payment, it is believed that the risk of this service is higher etc..In practical application, this field
Technical staff can according to need a variety of judgment modes of flexible configuration, and the present embodiment is not construed as limiting this.
Further, service platform can be set as needed multiclass degree of risk, and corresponding according to every class degree of risk
Height set the different means of payment.Service higher for degree of risk can be set as needing the preparatory branch payment of user
With the case where can not taking off expense after preventing the electricity charge from issuing；Service lower for degree of risk, can set and not need user
Payment in advance, to provide preferable service experience for user；And degree of risk is in the service of medium level, can require to use
Family, which is opened, exempts from password payment function.
Specifically, the degree of risk for determining this service according to judging result, comprising:
If it is determined that the degree of risk of this service is higher than the first pre-set level, determines and the user is needed to pay this in advance
The electricity charge；In the present embodiment, the first pre-set level can serve to indicate that this services risk with higher, when degree of risk compared with
Height then needs user to pay this electricity charge in advance, so as to prevent user from not paying the generation of this expense behavior, prevents bad
The generation of account.
If it is determined that the degree of risk of this service is determined and is needed between the first pre-set level and the second pre-set level
The user, which opens, exempts from password payment；In the present embodiment, the second pre-set level can serve to indicate that this service has centainly
Risk can be determined and need the use when the degree of risk of this service is between the first pre-set level and the second pre-set level
Family, which is opened, exempts from password payment, and in the case where password payment is exempted from unlatching, service side, which may not need user's confirmation, can carry out account
Remaining sum, which is deducted fees, to be operated or initiates operation of deducting fees to account has been bound.In the case where password payment is exempted from unlatching, service side is successfully detained
A possibility that taking is higher, so as to effectively prevent the generation of bad credit.
If it is determined that the degree of risk of this service is lower than the second predetermined level, determine that do not need the user props up in advance
Pay this electricity charge.In the present embodiment, if the degree of risk of this service is lower than the second predetermined level, the risk of this service is indicated
Degree is lower, and service side can determine that do not need the user pays this electricity charge in advance, does user so as to reduce
It disturbs, more rapidly can provide service for user.
In practical application, when initiating this service, may inquire has not in the historical bills data of user service side
The bill of payment or aged fail, it is described before the service request of initiation in order to realize the electricity charge for successfully taking off non-payment bill
Method may include:
It inquires the user and whether has and do not pay or aged fail bill, determine whether the user can be after according to query result
Continuous electricity consumption.
In the present embodiment, when electricity bill is issued, service side can inquire whether the login user has according to user account
It does not pay or the bill of aged fail, it is assumed that user, which has, not to be paid or the bill of aged fail, in that case it can be decided that the user is at this time not
It can continue electricity consumption, in user to not paying or after the completion of the bill payment of aged fail, can permit user and continue electricity consumption, thus
Realization effectively prevent bad credit.
In practical application, it is also possible to which there are users not to pay electricity bill, and has the feelings of other electricity consumption address electricity consumptions
Condition.And user account is possible to be associated with other information association platform (such as Third-party payment platform above-mentioned etc.).User its
The account of his electricity consumption address, it is possible to be associated with same information association platform account, the present embodiment will be associated with same information association and put down
The account at account family is considered same user, so as to effectively prevent bad credit.Based on this, in the present embodiment, the inquiry institute
It states user and whether has and do not pay or the bill of aged fail, may include:
Preset the provided interface of information association platform, the information association platform account of inquiry and the user-association are provided；
Whether have by inquiring the information association platform account and do not pay or the bill of aged fail, whether determines the user
Have and does not pay or the bill of aged fail.
For example, it is assumed that user account carried out over-network registration using the cell-phone number of user, information association platform can be passed through
Such as the relevant information of the interface polls of the Third-party payment platform offer user.Therefore, the present embodiment is in user's registration APP account
When, the account of user and Third-party payment platform can be required to bind, so that it is flat in Third-party payment to get the user
Account under platform, the present embodiment are illustrated with openid.Assuming that user mobile phone number is A, user is taken using cell-phone number A in electric power
Business platform registers user account.The user utilizes cell-phone number B login account in Third-party payment platform, and user utilizes cell-phone number A
User is required to bind the account under Third-party payment platform when registering electrical power services platform user account, to obtain user's
Openid is cell-phone number B.Assuming that user has under electrical power services platform and do not pay or the electricity bill of aged fail, and user infuses
Cell-phone number A is sold.Later, user under electrical power services platform again have registered New Account C, when register New Account requirement user as
Account C binds Third-party payment platform account, since the user is bundled with above-mentioned account B, service platform can inquire
The user, which has, not to be paid or the bill of aged fail, so as to effectively prevent the violations of malicious user.
Next the embodiment of the present application is described in detail so that electric e is precious as an example.
After electricity bill distribution, service side initiates service request, judges whether electricity charge user has bound payment account, has
Body, payment account can be Third-party payment platform account, such as Alipay account, wechat account, in other examples, branch
Family of paying a bill can also be bank card account etc..
Assuming that user does not bind payment account, user can be required to open on line and paid, to bind payment account.With
In the case that family binding has payment account, server-side may determine that the degree of risk of this service.In the present embodiment, with electricity charge expense
With, user whether real-name authentication, user three factors of credit information judge the degree of risk of this service.
Specifically, if the demand charge amount of money is greater than n(n and can be accepted the risk setting according to platform), according to user mobile phone
Number determined in the sesame credit score of Alipay, if setting of the score greater than m(m can be determined according to the risk that can be born),
Then think that consumer's risk is lower, does not need user and pay expense in advance.If it is less than m, then it is assumed that risk is relatively high, determines and uses
Family needs payment in advance.Specifically, payment is first to prestore the electricity charge, then electricity consumption, user can use associated payment accounts in advance
Carry out account charging.After paying successfully in advance, power supply service is provided for user.
If the demand charge amount of money be less than n, according to user Alipay sesame credit score and wechat real-name authentication information
Determined, if the corresponding sesame credit score in Alipay of user is lower or wechat real-name authentication information is complete, then it is assumed that
Consumer's risk is medium, needs user to open and exempts from password payment.For example, it may be user opens in wechat or Alipay exempts from password
Payment is to prevent bad account.
If the demand charge amount of money is smaller, and the sesame credit score of user or wechat real-name authentication information are more complete, then it is assumed that
Consumer's risk is lower, can first electricity consumption.
Corresponding with the embodiment of the payment processing method of aforementioned service request, present invention also provides the branch of service request
Pay the embodiment of processing unit and its applied server.
As shown in Fig. 3, attached drawing 3 is that the application is shown according to an exemplary embodiment a kind of by judging that credit allows
The block diagram of the payment processing device of post-paid, described device include:
Request receiving module 41, is used for: the service request initiated after each electricity bill distribution is received, according to the service request
Determine that this services related payment information；
User profile acquisition module 42, is used for: obtaining the user information of the user；
Risk judgment module 43, is used for: according to the payment information and the user information, the risk of judgement this service
Degree；
Determining module 44 is paid, is used for: determining the means of payment of this service according to judging result.
The service platform of the present embodiment can safeguard the account data of service provider Yu demand for services side, such as service
The account of party in request, the contact information of demand for services side, the identity information of demand for services side, demand for services side title or
Order relevant information etc..
The relevant information and user related information of this service can be carried in practical application, in service request, in order to
Judge the degree of risk of this service, the present embodiment can be judged from two dimensions of payment information and user information.It lifts
Example for, it is assumed that this electricity charge is costly, user account balance is less or do not open exempt from password payment etc., these because
Element influences the degree of risk of this service；On the other hand, whether user is that real-name authentication user, the credit of user, user are previous
Historical behavior information (whether thering is history not pay electricity bill etc.), these factors are related to the credit of user, also corresponding shadow
Ring the degree of risk of this service.
Optionally, the payment information includes following one or more information:
Show whether the user has bound the information of payment account；Optionally, in certain services for being related to payment, user can be tied up
Determine payment account, the present embodiment can determine whether user is bundled with payment account by user data, if binding has payment
Account can also have some impact on the degree of risk of service, if binding has payment account, can be determined and be used by payment account
More payment informations at family, therefore, binding have payment account relative to no binding payment account, and the degree of risk of service is more
It is low.
Indicate the information of the account balance of the user；Optionally, in certain services for being related to payment, user can be preparatory
Charging payment, the present embodiment can determine the account balance of user by user data, and the number of account balance can be to service
Degree of risk has some impact on, if account balance is zero, and this electricity charge is costly, then the degree of risk of this service will
It is higher；If account balance is more, the degree of risk serviced is lower.
Indicate whether the user has turned on the information for exempting from password payment.Optionally, it in certain services for being related to payment, uses
Family can bind payment account or preparatory account charging, and optionally open and exempt from password payment.The present embodiment can pass through user
Data determine whether user opens and exempt from password payment, if password payment is exempted from unlatching to cause a fixing to the degree of risk of service
It rings, exempts from password payment if opening, service side may not need user's confirmation and take off the electricity charge, and therefore, it is opposite that password payment is exempted from unlatching
Exempt from password payment in not opening, the degree of risk of service is lower.
Optionally, the user information includes following one or more information:
Indicate the real-name authentication information of the user whether real-name authentication；Optionally, user can carry out real-name authentication in advance,
Whether the present embodiment service side can determine user's real-name authentication by user data, certain user have it is larger may not be into
Row real-name authentication, if real-name authentication can have some impact on the degree of risk of service.
Indicate the credit information of the user credit height；Optionally, the available credit information for having user of service side,
Optionally, such credit information can be service side and obtain from other credit services platforms, and the height of credit information can reflect
Whether user has the probability of malicious act, therefore credit information can be used as the assessment factor of the degree of risk of service.
Indicate whether the user has history not pay or the information of the electricity bill of aged fail.Optionally, service side
It can consult whether user has history not pay or the electricity bill of aged fail from historical bills data, if user has history
It does not pay or the electricity bill of aged fail, it is believed that user escapes money behavior in the presence of malice, may be to the wind of this service
Dangerous degree has some impact on.
Optionally, the data obtaining module, is also used to:
The real-name authentication information and/or credit information are obtained by the provided interface of preset information association platform.
In the present embodiment, information association platform may include providing the platform of real-name authentication information, and provide credit letter
The platform of breath, the platform of above-mentioned real-name authentication information and the platform for providing credit information can be identical platform, can also not
Same platform.In practical application, service side can by interface provided by being associated with platform with other information, rapidly obtain described in
Real-name authentication information or credit information.For example, information association platform may include Third-party payment platform, Third-party payment
Refer to have the independent agency of certain strength and prestige guarantee, using with each big bank signing by the way of, by with bank paying
Settlement system interface docks and the network payment mode of facilitating both parties to trade, such as Alipay or wechat payment etc.
Deng.Service side can be with Third-party payment platform cooperation, it is hereby achieved that real-name authentication information or credit accurately and securely
Information.
By above-mentioned multiclass information, service platform can be set as needed multiclass degree of risk.For example, if this electricity charge
Expense is lower, and real-name authentication, it is believed that the risk of this service is lower；If this electricity charge is costly, the non-real name of user
It certification and does not open and exempts from password payment, it is believed that the risk of this service is higher etc..In practical application, art technology
Personnel can according to need a variety of judgment modes of flexible configuration, and the present embodiment is not construed as limiting this.
Further, service platform can be set as needed multiclass degree of risk, and corresponding according to every class degree of risk
Height set the different means of payment.Service higher for degree of risk can be set as needing the preparatory branch payment of user
With preventing the case where can not taking off expense after the completion of service；Service lower for degree of risk, can set and not need user
Payment in advance, to provide preferable service experience for user；And degree of risk is in the service of medium level, can require to use
Family, which is opened, exempts from password payment function.
Optionally, the risk judgment module, is also used to:
If it is determined that the degree of risk of this service is higher than the first pre-set level, determines and the user is needed to pay electricity in advance
Take；
If it is determined that the degree of risk of this service determines described in needing between the first pre-set level and the second pre-set level
User, which opens, exempts from password payment；
If it is determined that the degree of risk of this service is lower than the second predetermined level, determine that do not need the user pays electricity in advance
Take.
Optionally, described device further includes bill enquiry module, is used for:
Before receiving the service request that electric service personnel initiate, the user is inquired and whether has not paying or the electricity of aged fail
Take bill, determines whether the service side can initiate the service request according to query result.
In the present embodiment, whether service platform, which can inquire user and have, is not paid or the electricity bill of aged fail, it is assumed that
User, which has, not to be paid or the electricity bill of aged fail, in that case it can be decided that this cannot initiate service request at this time, in user to not propping up
Pay or aged fail electricity bill payment after the completion of, can permit initiation service request, thus realize effectively prevent bad credit.
Optionally, the enquiry module, is also used to:
Preset the provided interface of information association platform, the information association platform account of inquiry and the user-association are provided；
Whether have by inquiring the information association platform account and do not pay or the electricity bill of aged fail, determines the user
Whether have and does not pay or the electricity bill of aged fail.
For example, it is assumed that user account carried out over-network registration using the cell-phone number of user, information association platform can be passed through
The relevant information of the user is taken as interface that Third-party payment platform provides is looked into.Therefore, the present embodiment is in user's registration, can be with
It is required that user and the account of Third-party payment platform bind, to get account of the user under Third-party payment platform
Family, the present embodiment is by taking openid as an example.Assuming that user mobile phone number is A, user is registered in electrical power services platform using cell-phone number A and is used
Family account.The user utilizes cell-phone number B login account in Third-party payment platform, and user registers electrical power services using cell-phone number A
User is required to bind the account under Third-party payment platform when platform user account, so that the openid for obtaining user is cell-phone number
B.Assuming that user has under electrical power services platform and does not pay or the electricity bill of aged fail, and user log off cell-phone number A.It
Afterwards, user has registered New Account C again under the electrical power services platform, requires user to bind the as account C when register New Account
Tripartite's payment platform account, since the user is bundled with above-mentioned account B, service platform, which can inquire the user, to be had not
The electricity bill of payment or aged fail escapes single act so as to effectively prevent malicious user.
A kind of payment processing device by judging credit permission post-paid of the application service request can also be applied
On server.Installation practice can also be realized by software realization by way of hardware or software and hardware combining.With
It is to be deposited by the processor of server where it by non-volatile as the device on a logical meaning for software realization
Corresponding computer program instructions are read into memory what operation was formed in the readable mediums such as reservoir.
Correspondingly, the application also provides a kind of server, comprising: processor；For storage processor executable instruction
Memory；Wherein, the processor is configured to:
Receive the service request initiated after the distribution of each electricity bill, this service is determined according to the service request involved in
Payment information；
Obtain the user information of the user；
According to the payment information and the user information, the degree of risk of judgement this service；
The means of payment of this service is determined according to judging result.
Correspondingly, the application also provides a kind of computer storage medium, program instruction, institute are stored in the storage medium
Stating program instruction includes:
Receive the service request initiated after the distribution of each electricity bill, this service is determined according to the service request involved in
Payment information；
Obtain the user information of the user；
According to the payment information and the user information, the degree of risk of judgement this service；
The means of payment of this service is determined according to judging result.
It is (including but unlimited that the storage medium for wherein including program code in one or more can be used in the embodiment of the present invention
In magnetic disk storage, CD-ROM, optical memory etc.) on the form of computer program product implemented.Computer can use storage
Medium includes permanent and non-permanent, removable and non-removable media, can be accomplished by any method or technique information
Storage.Information can be computer readable instructions, data structure, the module of program or other data.The storage medium of computer
Example include but is not limited to: phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory
(DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory
(EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), digital versatile disc
(DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices or any other non-biography
Defeated medium, can be used for storage can be accessed by a computing device information.
The function of modules and the realization process of effect are specifically detailed in the above method and correspond to step in above-mentioned apparatus
Realization process, details are not described herein.
For device embodiment, since it corresponds essentially to embodiment of the method, so related place is referring to method reality
Apply the part explanation of example.The apparatus embodiments described above are merely exemplary, wherein described be used as separation unit
The module of explanation may or may not be physically separated, and the component shown as module can be or can also be with
It is not physical module, it can it is in one place, or may be distributed on multiple network modules.It can be according to actual
The purpose for needing to select some or all of the modules therein to realize application scheme.Those of ordinary skill in the art are not paying
Out in the case where creative work, it can understand and implement.
Those skilled in the art will readily occur to its of the application after considering specification and practicing the invention applied here
Its embodiment.This application is intended to cover any variations, uses, or adaptations of the application, these modifications, purposes or
The common knowledge in the art that person's adaptive change follows the general principle of the application and do not apply including the application
Or conventional techniques.The description and examples are only to be considered as illustrative, and the true scope and spirit of the application are by following
Claim is pointed out.
It should be understood that the application is not limited to the precise structure that has been described above and shown in the drawings, and
And various modifications and changes may be made without departing from the scope thereof.Scope of the present application is only limited by the accompanying claims.
The foregoing is merely the preferred embodiments of the application, not to limit the application, all essences in the application
Within mind and principle, any modification, equivalent substitution, improvement and etc. done be should be included within the scope of the application protection.
Claims (10)
1. a kind of by judging that credit allows the payment processing method of post-paid, it is characterised in that the following steps are included:
1) service request initiated after each electricity bill distribution, is received, this service institute is determined according to the service request
The payment information being related to；
2) user information of the user, is obtained；
3), according to the user information, the degree of risk of judgement this service；
4), determine that mode is paid in the electricity charge of this service according to judging result.
2. according to claim 1 a kind of by judging that credit allows the payment processing method of post-paid, which is characterized in that
The payment information includes following one or more information:
Indicate whether this electricity bill expense is higher than the information of preset cost threshold value；
Indicate whether the user has bound the information of payment account；
Indicate the information of the account balance of the user；
Indicate whether the user has turned on the information for exempting from password payment.
3. described in accordance with the claim 1 a kind of by judging that credit allows the payment processing method of post-paid, it is characterised in that
The user information includes following one or more information:
Indicate the user whether householder's information；
Indicate the credit information of the user credit height；
It indicates whether the user has not pay or the information of aged fail electricity bill.
4. described in accordance with the claim 3 a kind of by judging that credit allows the payment processing method of post-paid, it is characterised in that
The user information and/or the acquisition modes of credit information include:
The user information and/or credit information are obtained by sales service application system.
5. described in accordance with the claim 1 a kind of by judging that credit allows the payment processing method of post-paid, it is characterised in that
It is described according to the user information, the degree of risk of judgement this service, comprising:
If it is determined that the degree of risk of this service is higher than pre-set level, determines and need the preparatory electricity payment of user；
If it is determined that the degree of risk of this service is lower than predetermined level, determination does not need the preparatory electricity payment of the user.
6. described in accordance with the claim 1 a kind of by judging that credit allows the payment processing method of post-paid, it is characterised in that
Before the service request initiated after receiving each electricity bill distribution, the method also includes: inquire whether the user has not
The electricity bill of payment or aged fail, determines whether the user can be initiated the service request according to query result；
Whether the inquiry user, which has, does not pay or the electricity bill of aged fail, comprising:
Pass through sales service application system, the electricity charge account of inquiry and the user-association；
Whether have by inquiring sales service application system and do not pay or the electricity bill of aged fail, whether determines the user
Have and does not pay or the electricity bill of aged fail.
7. a kind of by judging that credit allows the payment processing device of post-paid, characterized by comprising:
Request receiving module is used for: the service request initiated after each electricity bill distribution is received, it is true according to the service request
Fixed this services related payment information；
User profile acquisition module is used for: obtaining the user information of the user；
Risk judgment module, is used for: according to the payment information and the user information, the risk journey of judgement this service
Degree；
Determining module is paid, is used for: determining that mode is paid in the electricity charge of this service according to judging result.
8. a kind of by judging that credit allows the payment processing device of post-paid according to claim 7, it is characterised in that
The user information includes following one or more information:
Indicate whether this electricity charge expense is higher than the information of preset cost threshold value；
Indicate the information of the account balance of the user；
Indicate the user whether householder's information；
Indicate the credit information of the user credit height；
It indicates whether the user has not pay or the information of the electricity bill of aged fail.
9. a kind of by judging that credit allows the payment processing device of post-paid according to claim 7, it is characterised in that
The risk judgment module, is also used to: if it is determined that the degree of risk of this service is higher than pre-set level, determining described in needing
The preparatory electricity payment of user；If it is determined that the degree of risk of this service is lower than predetermined level, determination does not need the user
Preparatory electricity payment.
10. a kind of by judging that credit allows the payment processing device of post-paid according to claim 7, it is characterised in that
Described device further includes bill enquiry module, is used for: before the service request initiated after receiving each electricity bill distribution, inquiry
Whether the user, which has, does not pay or the electricity bill of aged fail, determines whether the user can be sent out according to query result
Play the service request；
The bill enquiry module, is also used to: by preset the provided interface of information association platform, inquiry is closed with the user
The information association platform account of connection；Whether have by inquiring sales service application system and does not pay or the electricity charge account of aged fail
It is single, it determines whether the user has and does not pay or the electricity bill of aged fail.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811096210.XA CN109345342A (en) | 2018-09-19 | 2018-09-19 | A kind of payment processing device and its processing method by judging credit permission post-paid |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811096210.XA CN109345342A (en) | 2018-09-19 | 2018-09-19 | A kind of payment processing device and its processing method by judging credit permission post-paid |
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| Publication Number | Publication Date |
|---|---|
| CN109345342A true CN109345342A (en) | 2019-02-15 |
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ID=65305938
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811096210.XA Pending CN109345342A (en) | 2018-09-19 | 2018-09-19 | A kind of payment processing device and its processing method by judging credit permission post-paid |
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