CN113537969A

CN113537969A - Monitoring method for installment payment of off-network household appliances or equipment

Info

Publication number: CN113537969A
Application number: CN202110842331.XA
Authority: CN
Inventors: 朱少波
Original assignee: Individual
Current assignee: Individual
Priority date: 2021-07-26
Filing date: 2021-07-26
Publication date: 2021-10-22

Abstract

The invention discloses a monitoring method for installment payment of off-network household appliances or equipment, wherein the product is preset with ID identification code and analysis value of activation password before leaving factory, and meanwhile, the server stores the ID identification code and the activation password; when the off-line product is sold in installments, the product control system superposes initialization information such as a user mobile phone number and an installments scheme with an ID identification code to form a two-dimensional code which can be scanned by a mobile phone APP, the server calculates the amount payable in the installments according to the two-dimensional code information and sends a cash register to a user mobile phone terminal, after payment is successful, the server sends an activation password corresponding to the ID identification code to the user mobile phone terminal, and the user inputs the activation password to complete the activation of the product in the installments until all installments are completed; the method has the advantages that the system is simple, safe and reliable, the non-cash transaction is completed in the whole stage sale process, the unified management of the materials, the properties, the taxes and the contracts is considered, and the sales personnel can finish the subsequent stage activation operation by self-help of the user only by once initializing operation on site.

Description

Monitoring method for installment payment of off-network household appliances or equipment

Technical Field

The invention relates to the technical field of installment payment of off-network household appliances or equipment, in particular to an installment payment supervision method of off-network household appliances or equipment in remote areas without internet and unstable mobile signals.

Background

At present, in remote rural areas, a part of farmer families are still not provided with the online internet, and mobile signals are unstable, so that traditional installment products based on network online (internet and mobile signal) background servers cannot enter the area at all. In general, many people in such areas cannot pay for high-value and durable off-grid electromechanical products such as intelligent biomass heating boilers, air energy heating equipment, solar power generation equipment and the like at one time, so that the purchasing desire of consumers is suppressed to a certain extent, and meanwhile, the gap between the quality of life of the areas and the quality of life of developed areas is further increased. Then, the form of simple and reliable payment by stages is adopted, so that the system becomes one of options for accelerating popularization of low-carbon and environment-friendly products and improving rural living standard products in the region, for example, a simple system for payment by stages, fault report and repair and the like is formed by household appliances or equipment which are formed by utilizing a comprehensive function of a mobile phone APP (including a background server) and a certain offline payment by stages, the system can greatly facilitate use of the product by stages for honest and truthful terminal consumers, can restrict few malicious and arrearful users, and can help local residents to use the commonly-used offline terminal products more conveniently and conveniently.

At present, off-net products in the prior art have the following problems:

first, the off-line products in the existing market generally adopt a mode of adding a simple periodic timing shutdown function in a controller and enabling a distributor to collect periodic money and then activate a password for a user, when the salesperson sets the staging date and the staging activation password, the salesperson generally takes a picture or a hand to record the date and the staging activation password into the electronic document for storage, but the method has difficulties in the contact and communication between the user and the salesperson, moreover, because the instability of the sales team also often makes the user activation password recorded wrongly, missed or lost, the off-network product activation of the user is not timely, the operation cost and difficulty of the seller are increased, therefore, few products are paid by adopting off-network products on the market at present, so that some off-network products with high price inhibit the desire of consumers to buy locally, and the difficulty of sales personnel in popularizing the products is increased to a certain extent.

Secondly, although in the current era of rapid development of internet economy, in the face of the fact that installment products monitored by a network-based online (internet, mobile signal) background server cannot enter the region, although some manufacturers adopt a product solution of credit management type installment, the personal credit management in these underdeveloped countries is very incomplete, few terminal consumers exist to maliciously arrear the installment, although means such as going home to withdraw products can be performed, considerable manpower and material resources of enterprises are involved, and difficulty is brought to the normal operation of the enterprises.

Thirdly, the time span involved in the commodity staging purchase-sale contract is often up to several years, and if the paper staging contract is adopted, the loss is easily caused, which is not beneficial to maintaining the legal rights and interests of the buyer and the seller.

Fourthly, although some areas or users in an area have mobile network signals, the possibility of realizing prepaid products in the GSM wireless internet of things can be adopted, but two similar products with different modes must be equipped in an area, the cost of manufacturers and the working difficulty of sales departments are increased, and the difference of product prices can cause the users to be unintelligible.

Fifthly, the staged consumption mode brings great difficulty to the finance and tax of an operating company due to long capital exchange span.

Therefore, a safe, reliable, simple and feasible method special for the installment payment and supervision of off-network products in non-network or weak-network areas is urgently needed to be provided.

Disclosure of Invention

Aiming at the problems, the invention aims to provide a method for monitoring installment payment of off-network household appliances or equipment, and the technical scheme adopted by the invention is as follows:

an installment supervision method of off-network household appliances or equipment comprises the following steps:

step S01, before leaving factory, downloading a schedule-based supervisory program to the microcomputer controller host and the man-machine interaction operation panel of the off-network household appliance or equipment, storing the ID identification code of the off-network household appliance or equipment and the analysis value (such as Hash, MD5 or other encrypted analysis values) of the activation code of at least one group of irreversible encryption algorithm into the nonvolatile memory of the microcomputer controller host, and simultaneously storing the commodity model, price, schedule amount calculation formula, the ID identification code and the activation code original code with the same group number into the server database;

step S02, after the off-network household electrical appliance or equipment is sold to the user, the household electrical appliance or equipment is initialized and set under the guidance of the salesperson on the man-machine interaction operation panel of the off-network household electrical appliance or equipment according to the staging requirements of the user, the initialization content also comprises four information of inputting the mobile phone number of the user, the sales organization code, the total staging number and each staging date, after the initialization is confirmed, the microcomputer controller host of the off-network household electrical appliance or equipment converts the information and the information such as the ID identification code preset before leaving the factory in the step S01 into an ASCII character string which can be displayed on a display screen, converts each staging date into each staging date and adds the current staging number which needs to be activated, and superposes the six information, combines the information into a payment request code character string and switches a reference clock used by a staging supervisory system into an internal clock;

step S03, when the off-network household electrical appliance or device is in working condition, the stage supervisory system of the microcomputer controller host continuously compares the internal real-time date/clock with the set stage date/clock, when the comparison result is less than 4 days, the payment prompt is sent out and the payment guide menu is displayed, when the comparison result is equal to or less than 0 day, the shutdown command is sent out and the startup key is locked, meanwhile, the corresponding alarm sound is sent out and the step S04 is directly entered;

step S04, after the step is entered, a payment page comprising two-dimensional codes (or QR codes) is displayed on the man-machine interaction operation panel, wherein the first two-dimensional code is a two-dimensional code which can be scanned by a mobile phone to enter a mobile phone APP/WeChat applet supported by an off-network household appliance or equipment operator, and the second two-dimensional code is a corresponding payment request two-dimensional code generated by the character string of the payment request code in the step S02, if no mobile network signal exists locally, the payment page can be photographed into a picture and then the rest payment operation is continued to be completed at a position with a network signal, and if only old people and children at home can send the picture of the page to children or relatives working at a distance to complete the rest payment operation;

step S05, firstly, scanning a first two-dimensional code by a mobile phone to enter a mobile phone APP/WeChat applet supported by the off-network household appliance or equipment operator, then continuously scanning a second payment request two-dimensional code in a payment menu in the mobile phone APP/WeChat applet, after receiving the information of the payment request two-dimensional code, matching the ID identification code with the ID identification code stored in the server database in the step S01, calculating the amount to be collected in the period according to the information of the total number of minutes, each date of the period (converted into each number of days of the period), the current number of the period and the information of the commodity model, price, the ratio of the principal of the period scheme, the commission, interest, tax and the like contained in the payment request two-dimensional code, and judging whether the payment is the first payment; the amount due to the period = (the amount of the period principal calculated according to the proportion of the period scheme + the days of the period + the rate of day) + the fee and the tax);

step S06, when the server background supervisory system detects that the payment is for the first time and the service plan has two or more periods, a formatted commodity periodic purchase and sale electronic edition contract is generated according to the comprehensive information obtained in the step S05 and is sent to the mobile phone APP/WeChat small program client, meanwhile, a verification code required for signing the periodic purchase and sale electronic edition contract is sent to a mobile phone number of a user in a short message mode, the user is required to fill in information such as a user name, an identity card number, an equipment installation and use address, an electronic invoice collector and the like required for signing the periodic purchase and sale electronic edition contract, and the contract is formally validated after the user signs and inputs the verification code received on the mobile phone number of the user; when the server background monitoring system detects that the payment is for the first time but only has a first period (full purchase), only the information of an electronic invoice collector is filled; skipping the step when the server background monitoring system detects that the payment is not the first payment;

step S07, after the mobile phone terminal receives the collection code containing the amount payable in the period and the payment of the payer is successful, the server sends the ID identification code matched with the corresponding current period activation password original code and the electronic invoice to the payment mobile phone terminal and the mobile phone number of the user, and sends the information of the amount of the transaction sum, the transaction serial number and the like to the sales organization for reconciliation, if the payment is the first time and the payment is installments, the formal electronic contract signed in the step S06 is also sent at the same time;

step S08, after the field user inputs the original code of the activation password on the man-machine interaction operation panel, the off-network household appliance or equipment microcomputer controller analyzes and then successfully compares the preset analysis value, the activation work of the current period can be completed and the startup key is unlocked, if the remaining period is detected, the step S03 is returned to continue the supervision work of the next period until all the periods are completed; when all the stages are completed, the server stage supervision system automatically switches the internal clock to the external clock and stops supervision work;

furthermore, the off-network household appliance or equipment is provided with two sets of clock systems, one set is a date/clock system which can be displayed on a man-machine interaction operation panel and adjusted by a user, and the date/clock system is called as an external clock system; the other set is a date/clock system in the microcomputer controller host, which is a clock system which can not be adjusted and specially used for periodic supervision by a user and is called as an internal clock system; when the staging is set, the staging supervisory system is automatically switched to the internal clock, and the system is automatically switched to the external clock after all the staging is finished.

Further, when the system detects the failure signal of the internal clock, the system locks the household appliance or the equipment, and when a professional maintenance worker replaces the battery, the server needs to obtain the password preset in the step S1 from the background customer service to effectively reset the internal clock, thereby continuing the periodic supervision.

Further, the installment payment method of the off-network household appliances or equipment can also be applied to small-sized industrial equipment.

Furthermore, the server background system of the mobile phone APP/WeChat applet supported by the off-network household appliance or device is also embedded or accessed with a short message platform developed by a third party and an automatic electronic invoice service system authenticated by a tax department, and is used for sending short messages and electronic invoices to the mobile phone of the user.

Compared with the prior art, the invention has the following beneficial effects:

(1) the invention solves the possibility of selling off-network household appliances or equipment in remote areas without internet and unstable mobile signals, ensures that people in the area can experience the convenience brought by new products by using a mode of installments payment, greatly enhances the confidence of salespeople in selling commodities by using an installments means in the area, and reduces the risk that installments are difficult to be withdrawn.

(2) After the terminal customer purchases the off-network household appliance or equipment, the salesperson only needs to perform initial operation to the site and guide the first activation operation during the first installation and debugging, and the later installment payment and activation operation can be finished by the user in a self-help way according to guidance, so that the repeated workload of the salesperson is greatly reduced, and the operation cost (except for normal maintenance and operation guarantee) is reduced.

(3) The invention solves the problem that each sale payment and each installments can be paid out in time, and the electronic invoice is issued for each sale income and each installments, which is beneficial to highly unifying the contract, the fund, the invoice and the tax payment of the enterprise, reduces the financial loophole and the tax violation risk of the enterprise, and also avoids the loss caused by the careless payment of the seller or the failure of timely payment or payment refusal after the payment.

(4) The invention solves the loss caused by that individual users do not continuously fulfill the staging contract; because the date information of each stage of each off-network household appliance or equipment is stored in the server database, when the server supervision subsystem detects that a certain user pays no future money after exceeding the stage date, the server supervision subsystem sends out early warning, and simultaneously informs sales staff of the implementation and processing conditions on site through short messages.

In conclusion, the invention has the advantages of simple system, clear logic, safety and reliability, and unified management of property, tax and contract, and has very high practical value and popularization value particularly in off-network household appliance or equipment installment payment technology in non-network or weak-network areas.

Drawings

FIG. 1 is a schematic flow diagram of the process of the present invention.

The present invention is further illustrated by the following figures and examples, which include, but are not limited to, the following examples. All other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments in the present application, belong to the scope of protection of the present invention; according to the implementation requirement, each step or operation described in the embodiment of the present invention can be divided into more steps, or two or more steps or operations can be combined into a new step, and the present invention also belongs to the protection scope of the present invention.

Detailed Description

Example 1

The implementation steps in the case of installment payment for purchasing off-network appliances or devices are described with reference to the accompanying drawings, which include:

in step S01, before leaving the factory, the off-network appliance or device needs to download a periodic supervisory program to the microcomputer controller host and the human-computer interaction operation panel, and store an analysis value (e.g., hash, MD5, or other irreversibly encrypted analysis value) including an ID identification code of the off-network appliance or device and at least one set (depending on the maximum number of product periods) of an original code of an activation password of an irreversible encryption algorithm into a nonvolatile memory of the microcomputer controller host; meanwhile, the calculation formulas of the commodity model, the price, the installment principal proportion, the handling fee, the interest and the tax, the ID identification code and the original code of the activation password with the same group number are stored in a server database, wherein the ID identification code is a unique mark capable of identifying or matching each commodity;

in step S02, after the consumer purchases the off-network home appliance or device intentionally in a staged manner, the home appliance or device is initialized under the guidance of the salesperson and on the human-computer interaction operation panel of the off-network home appliance or device, the initialization content further includes the user' S mobile phone number, sales organization code, total stage number, and each staging date (converted into each stage day), after the initialization setting is confirmed, the microcomputer controller host and the step S01 superimpose the ID identification code preset before leaving the factory and add the current stage number to combine the character string of the payment request code (ASCII code displayable on the display screen) containing the above six items of information, and simultaneously switch the reference clock used by the staging supervision system to an internal clock to prevent the staging failure caused by manually adjusting the external clock;

in step S03, after the off-grid appliance or device enters a working state, the periodic monitoring system of the microcomputer controller host constantly detects the comparison result between the internal real-time date/clock and the set periodic date/clock, and sends a warning when the result is less than 4 days, and sends a shutdown command when the result is less than or equal to 0 days and locks a power-on key;

in step S04, a payment screen including two-dimensional codes is displayed on the human-computer interaction panel of the off-network appliance or device: the first is to scan the two-dimension code of the mobile phone APP/WeChat small program supported by the accessible off-network household appliance or equipment operator through the mobile phone, and the second is the corresponding payment request two-dimension code generated by the character string of the payment request code;

in step S05, after the mobile phone of the user scans the first two-dimensional code and enters the APP/wechat applet, the mobile phone of the user continues to scan the second two-dimensional code for the payment request, for example, no mobile network signal is provided locally, the payment screen can be photographed into a picture and then the picture can be sent to a location where a network signal is provided to continue to complete the rest of the payment operation, for example, in the case of only the old and the young at home, the picture can also be sent to a child or a relative friend working in a remote place to complete the rest of the payment operation; when the server receives the information of the payment request two-dimensional code, the server matches the ID identification code stored in the server database in the step S01 according to the ID identification code, calculates the amount to be charged in the period according to the information of the total number of the minutes, each date of the minutes (converted into each number of days of the minutes), the current number of the minutes and the like contained in the payment request two-dimensional code and the information of the commodity model, the price, the principal proportion of the time plan, the commission charge, the interest rate, the tax rate and the like corresponding to the database, and judges whether the payment is the first payment; the amount due to the period = (the amount of the period principal calculated according to the proportion of the period scheme + the days of the period + the rate of day) + the fee and the tax);

in step S06, when the server background monitoring system detects that the payment is for the first time and the number of the two or more stages is detected, a formatted commodity stage purchase and sale electronic edition contract is generated according to the comprehensive information obtained in step S05, and is sent to the mobile phone APP/wechat applet client, and meanwhile, the verification code required for signing the commodity stage purchase and sale contract is sent to the mobile phone number of the user in a short message manner, so that the contract can be formally validated only after the user signs and inputs the verification code received on the mobile phone number of the user, considering that the payer (such as an applicant) is not necessarily the user himself, and the user name, the identity card number, the equipment installation and use address, the invoice receiver and the like required for signing the commodity stage purchase and sale electronic edition contract are filled by the user; skipping the step when the server background monitoring system detects that the payment is not the first payment;

in step S07, when the mobile phone terminal receives the collection code containing the amount due for the period and the payer pays successfully, the background monitoring system finds the device ID code matching the original activation code corresponding to the period again in the database, and sends the original activation code and the electronic invoice (downloadable printing) to the payment mobile phone terminal and the mobile phone number of the user at the same time, and sends the amount of the transaction, the number of the transaction flow and other information to the sales organization for reconciliation; if the first payment is detected and the number of installments and installments is two, the validated contract signed in step S06 is sent to the user at the same time;

in step S08, after the user inputs the original code of the activation password on the human-computer interaction operation panel, the off-network appliance or device microcomputer controller analyzes the original code and then successfully compares the preset analysis value, the current activation work can be completed and the power-on key is unlocked, if the remaining stages are detected, the operation returns to step S03 to continue the supervision work of the next stage until all stages are completed; and when all the stages are completed, the stage supervision system automatically switches the internal clock to the external clock and stops supervision work.

Example 2

The implementation steps in the case of purchasing off-network appliances or equipment in a whole money mode are described with reference to the accompanying drawings, and comprise:

in step S02, after the consumer intentionally purchases the off-network home appliance or device in a staged manner, the home appliance or device is initialized and set on the human-machine interaction panel of the off-network home appliance or device under the guidance of the salesperson, the initialization content further includes the user' S mobile phone number, the sales organization code, the total staging number of 1 period (i.e. purchase of the whole money), the staging date of the current date (converted into each staging day of 0 day), and after the initialization setting is confirmed, the microcomputer controller host and the step S01 combine the character string (ASCII code displayable on the display screen) of the payment request code containing the above six items of information after the ID identification code preset before shipment is superimposed and added to the current period number, meanwhile, a reference clock used by the staging supervisory system is switched into an internal clock, so that the staging failure caused by manually adjusting an external clock is prevented;

in step S03, after the off-grid appliance or device enters a working state, the periodic monitoring system of the microcomputer controller host detects that the comparison result between the internal real-time date/clock and the set periodic date/clock is equal to 0 day and sends a shutdown command and locks the power-on key;

in step S05, after the mobile phone of the user scans the first two-dimensional code and enters the APP/wechat applet, the mobile phone of the user continues to scan the second two-dimensional code for the payment request, for example, no mobile network signal is provided locally, the payment screen can be photographed into a picture and then the picture can be sent to a location where a network signal is provided to continue to complete the rest of the payment operation, for example, in the case of only the old and the young at home, the picture can also be sent to a child or a relative friend working in a remote place to complete the rest of the payment operation; when the server receives the information of the payment request two-dimensional code, the server matches the ID identification code stored in the server database in the step S01 according to the ID identification code, calculates the amount of money to be paid in the period according to the information of the total number of the divided periods of 1, the divided period date (converted into the number of divided periods of 0), the current number of the divided periods and the like contained in the payment request two-dimensional code and the information of the commodity model, the price, the principal proportion of the divided period scheme, the handling fee, the interest rate, the tax rate and the like corresponding to the database, and judges that the payment is paid for the first time; the amount of money due to the period = (the amount of money due to the period calculated according to the scheme proportion + day rate) + handling fee + tax), (this time, the number of days of the period is 0, interest is 0, and handling fee is 0);

in step S06, when the server background monitoring system detects that the payment is for the first time and the number of the installment is one period (full purchase), only the user needs to fill in the information of the electronic invoice collector; skipping the step when the server background monitoring system detects that the payment is not the first payment;

in step S07, when the mobile phone terminal receives the collection code containing the amount due for the period and the payer pays successfully, the background monitoring system finds the device ID code matching the original activation code corresponding to the period again in the database, and sends the original activation code and the electronic invoice (downloadable printing) to the payment mobile phone terminal and the mobile phone number of the user at the same time, and sends the amount of the transaction, the number of the transaction flow and other information to the sales organization for reconciliation;

in step S08, after the user inputs the original activation password on the human-computer interaction operation panel, the off-network appliance or device microcomputer controller analyzes the original activation password and then successfully compares the analyzed value with the preset analysis value, the lifetime activation of the off-network appliance or device can be completed and the power-on key is unlocked, and the periodic supervisory system automatically switches the internal clock to the external clock and stops the supervisory operation.

It is noted that those of ordinary skill in the art will appreciate that the various illustrative elements and method steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, or as a computer program or combination of both, and such implementation should not be considered as beyond the scope of the embodiments of the present invention.

The above embodiments are only for illustrating the embodiments of the present invention and not for limiting the embodiments of the present invention, and those skilled in the art can make various changes and modifications without departing from the spirit and scope of the embodiments of the present invention, so that all equivalent technical solutions also fall within the scope of the embodiments of the present invention and shall fall within the protection scope of the present invention.

Claims

1. A method for supervising installment payment of off-network household appliances or equipment is characterized in that the method for supervising installment payment of off-network household appliances or equipment comprises the following steps:

presetting and storing an ID identification code and irreversible analytic values of at least one group of original activation codes into a nonvolatile memory of a microcomputer controller of an off-grid household appliance or equipment before leaving a factory, and simultaneously storing the ID identification code, the original activation codes with the same group number, a commodity installment amount calculation formula and data required by the calculation formula into a database of a server;

initializing the sold off-grid household appliances or equipment, and superposing initialization information, real-time information and the ID identification code by the microcomputer controller to form a payment request code character string;

detecting and comparing the real-time date and the staging date, and stopping and locking a startup key when the real-time date and the staging date are equal to or less than 0 day;

displaying the payment request code character string on a man-machine interaction operation panel to generate a corresponding payment request two-dimensional code;

the mobile phone APP scans the payment request two-dimensional code, and the server calculates the amount of money to be received in the period according to the information contained in the payment request two-dimensional code and the calculation formula of the product;

if the mobile phone APP is paid for the first time, the server sends an installment purchase and sale contract to be signed to the mobile phone APP and sends a check code to the mobile phone of the user, and the installment purchase and sale contract to be signed takes effect after the user signs and inputs the check code;

the server sends a collection code containing the amount which should be received in the period to the mobile phone APP, after the payment of a payer is successful, the server searches and sends a current period activation password original code and a current period electronic invoice which are matched with the ID identification code in the database to the mobile phone of the user, sends transaction information to a sales organization for checking account, and simultaneously sends an effective electronic edition contract to the mobile phone of the user if the current period payment is the first period payment;

and inputting the original code of the activation password of the period on the man-machine interaction operation panel, and after the off-grid household appliance or equipment microcomputer controller is analyzed, and then successfully contrasts with the preset analysis value, unlocking the startup key and continuing the supervision work of the next period until all periods are completed.

2. The method of claim 1, wherein the data required by the calculation formula includes information such as commodity model, price, installment principal proportion, commission fee, interest rate, and tax rate.

3. The method of claim 1, wherein initializing the off-network appliance or device further comprises entering information such as a user's cell phone number, sales organization code, total number of installments, dates of each installments, etc.

4. The method of claim 1 or 3, wherein the respective staging dates are converted into respective days of staging.

5. The method as claimed in claim 1, wherein the microcomputer controller host of the off-grid appliance or device superimposes and converts the user's mobile phone number, sales organization code, total number of minutes, days of each minute, current number of days to be activated, etc. together with the ID code preset before factory into displayable ASCII character string, and converts the character string into a payment request two-dimensional code or QR code for mobile phone APP scanning.

6. The method according to claim 1, wherein after the server receives the information of the payment request two-dimensional code or QR code, the server calculates the amount to be charged according to the installment calculation formula according to the information of the commodity model, price, installment principal proportion, commission charge, interest rate, tax rate, etc. corresponding to the information of the total installment number, each installment day number, current installment number, etc. contained in the payment request two-dimensional code or QR code and the ID identification code in the database.

7. The method as claimed in claim 5 or 6, wherein if the first time of the installment, the server generates a formatted electronic contract for installment purchase and sale of the to-be-signed commodity according to the initialization information of the off-network appliance or device and the installment calculation formula of the server, and sends the formatted electronic contract for installment and sale of the to-be-signed commodity to the user, and sends the verification code required for signing the electronic contract for installment and sale to the mobile phone number of the user in a short message manner, and the user is required to fill in the information of the user name, the identification number, the device installation and use address, the electronic invoice acquirer and the like required for signing the to-be-signed commodity, and the contract is formally validated after the user signs and inputs the verification code received on the mobile phone number of the user.

8. The method of claim 1, wherein the off-grid appliance or device has two clock systems, one being an external clock system of date/clock that can be displayed on the human-computer interaction panel and adjusted by the user; and one internal clock system which cannot be adjusted by a user and is specially used for periodic supervision is adopted, when the internal clock system fails, the internal clock system is stopped and a start key is locked, and a professional maintenance worker can effectively reset the internal clock system to continue the periodic supervision work after the battery is replaced by the professional maintenance worker and the preset original activation code is obtained from the server background customer service.

9. The method of claim 1, wherein the server backend system is further embedded or accessed with an automatic electronic invoice service subsystem developed by a third party and certified by a tax department, and used for sending electronic invoice to the mobile phone of the user.

10. A method for supervising installment payment of off-network household appliances or equipment is characterized in that the method is also suitable for the off-network household appliances or equipment or other industrial equipment which is purchased in whole money, the installment number which is initialized when the whole money is purchased is 1, and the installment date is the current date.