CN113762658B - Payment method and device based on user credit level - Google Patents

Payment method and device based on user credit level Download PDF

Info

Publication number
CN113762658B
CN113762658B CN202010490499.4A CN202010490499A CN113762658B CN 113762658 B CN113762658 B CN 113762658B CN 202010490499 A CN202010490499 A CN 202010490499A CN 113762658 B CN113762658 B CN 113762658B
Authority
CN
China
Prior art keywords
user
credit
charging
payment
virtual
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
CN202010490499.4A
Other languages
Chinese (zh)
Other versions
CN113762658A (en
Inventor
王圣慧
宋正宇
王石峰
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Zhejiang Anji Zhidian Holding Co Ltd
Original Assignee
Zhejiang Anji Zhidian Holding Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Zhejiang Anji Zhidian Holding Co Ltd filed Critical Zhejiang Anji Zhidian Holding Co Ltd
Priority to CN202010490499.4A priority Critical patent/CN113762658B/en
Publication of CN113762658A publication Critical patent/CN113762658A/en
Application granted granted Critical
Publication of CN113762658B publication Critical patent/CN113762658B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B60—VEHICLES IN GENERAL
    • B60L—PROPULSION OF ELECTRICALLY-PROPELLED VEHICLES; SUPPLYING ELECTRIC POWER FOR AUXILIARY EQUIPMENT OF ELECTRICALLY-PROPELLED VEHICLES; ELECTRODYNAMIC BRAKE SYSTEMS FOR VEHICLES IN GENERAL; MAGNETIC SUSPENSION OR LEVITATION FOR VEHICLES; MONITORING OPERATING VARIABLES OF ELECTRICALLY-PROPELLED VEHICLES; ELECTRIC SAFETY DEVICES FOR ELECTRICALLY-PROPELLED VEHICLES
    • B60L53/00—Methods of charging batteries, specially adapted for electric vehicles; Charging stations or on-board charging equipment therefor; Exchange of energy storage elements in electric vehicles
    • B60L53/60—Monitoring or controlling charging stations
    • B60L53/66—Data transfer between charging stations and vehicles
    • B60L53/665—Methods related to measuring, billing or payment
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0645—Rental transactions; Leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/06—Energy or water supply
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02T—CLIMATE CHANGE MITIGATION TECHNOLOGIES RELATED TO TRANSPORTATION
    • Y02T10/00—Road transport of goods or passengers
    • Y02T10/60—Other road transportation technologies with climate change mitigation effect
    • Y02T10/70—Energy storage systems for electromobility, e.g. batteries
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02T—CLIMATE CHANGE MITIGATION TECHNOLOGIES RELATED TO TRANSPORTATION
    • Y02T10/00—Road transport of goods or passengers
    • Y02T10/60—Other road transportation technologies with climate change mitigation effect
    • Y02T10/7072—Electromobility specific charging systems or methods for batteries, ultracapacitors, supercapacitors or double-layer capacitors
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02T—CLIMATE CHANGE MITIGATION TECHNOLOGIES RELATED TO TRANSPORTATION
    • Y02T90/00—Enabling technologies or technologies with a potential or indirect contribution to GHG emissions mitigation
    • Y02T90/10—Technologies relating to charging of electric vehicles
    • Y02T90/12—Electric charging stations
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02T—CLIMATE CHANGE MITIGATION TECHNOLOGIES RELATED TO TRANSPORTATION
    • Y02T90/00—Enabling technologies or technologies with a potential or indirect contribution to GHG emissions mitigation
    • Y02T90/10—Technologies relating to charging of electric vehicles
    • Y02T90/16—Information or communication technologies improving the operation of electric vehicles
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02T—CLIMATE CHANGE MITIGATION TECHNOLOGIES RELATED TO TRANSPORTATION
    • Y02T90/00—Enabling technologies or technologies with a potential or indirect contribution to GHG emissions mitigation
    • Y02T90/10—Technologies relating to charging of electric vehicles
    • Y02T90/16—Information or communication technologies improving the operation of electric vehicles
    • Y02T90/167—Systems integrating technologies related to power network operation and communication or information technologies for supporting the interoperability of electric or hybrid vehicles, i.e. smartgrids as interface for battery charging of electric vehicles [EV] or hybrid vehicles [HEV]
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y04—INFORMATION OR COMMUNICATION TECHNOLOGIES HAVING AN IMPACT ON OTHER TECHNOLOGY AREAS
    • Y04S—SYSTEMS INTEGRATING TECHNOLOGIES RELATED TO POWER NETWORK OPERATION, COMMUNICATION OR INFORMATION TECHNOLOGIES FOR IMPROVING THE ELECTRICAL POWER GENERATION, TRANSMISSION, DISTRIBUTION, MANAGEMENT OR USAGE, i.e. SMART GRIDS
    • Y04S30/00—Systems supporting specific end-user applications in the sector of transportation
    • Y04S30/10—Systems supporting the interoperability of electric or hybrid vehicles
    • Y04S30/14—Details associated with the interoperability, e.g. vehicle recognition, authentication, identification or billing

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Economics (AREA)
  • Human Resources & Organizations (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Tourism & Hospitality (AREA)
  • Finance (AREA)
  • Health & Medical Sciences (AREA)
  • Educational Administration (AREA)
  • Game Theory and Decision Science (AREA)
  • Quality & Reliability (AREA)
  • Operations Research (AREA)
  • Public Health (AREA)
  • Water Supply & Treatment (AREA)
  • General Health & Medical Sciences (AREA)
  • Primary Health Care (AREA)
  • Power Engineering (AREA)
  • Transportation (AREA)
  • Mechanical Engineering (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The invention relates to the technical field of payment, in particular to a payment method and device based on a user credit level, wherein the method comprises the following steps: collecting credit information of a user, and determining credit of the user according to the credit information; searching a credit grade corresponding to the credit in a preset mapping relation table, and distributing corresponding virtual credit line for the user according to the credit grade; and when receiving a charging order sent by the charging pile system, paying the charging order according to the virtual credit line. The invention preliminarily determines the credit of the user through the credit information of the user, can obtain the initial virtual credit line of the user, automatically pays according to the virtual credit line when receiving the charging order sent by the charging pile system, does not need manual operation of the user, greatly reduces the operation process of the user and improves the convenience of payment of the user.

Description

Payment method and device based on user credit level
Technical Field
The invention relates to the technical field of payment, in particular to a payment method and device based on a user credit level.
Background
With the development of new energy, china starts to push electric automobiles, and the electric automobiles are driven by electric power, so that compared with the traditional automobiles driven by oil or gas, the electric automobiles have the advantages of greatly reducing the damage degree to the environment, along with low price and wide development prospect.
Commercial motorcades such as taxis, logistics vehicles, time-sharing leasing enterprises and the like begin to select electric vehicles as motorcade main bodies, intelligent charging service is provided for drivers to feel happy, and the problems of mileage anxiety and compatibility when driving electric vehicles can be solved. These commercial motorcades have a high demand for charging, and the charging times are frequent, and the shorter and better the operation time of charging is desired, the convenience of charging is taken as an important reference for a driver when driving an electric car. However, each charging payment requires a series of operations such as opening a mobile phone, scanning a code, clicking payment and the like by the vehicle owner, which is very inconvenient for the commercial vehicle team vehicle owner.
Disclosure of Invention
The invention aims to provide a payment method and device based on a user credit level, which are used for solving the technical problem that the charging and payment process of an electric automobile is inconvenient in the prior art.
The embodiment of the invention provides the following scheme:
according to a first aspect of the present invention, an embodiment of the present invention provides a payment method based on a credit rating of a user, which is applied to a server, and includes:
collecting credit information of a user, and determining credit of the user according to the credit information;
searching a credit grade corresponding to the credit in a preset mapping relation table, and distributing corresponding virtual credit line for the user according to the credit grade;
and when receiving a charging order sent by the charging pile system, paying the charging order according to the virtual credit line.
Preferably, when receiving the charging order sent by the charging pile system, the payment of the charging order according to the virtual credit line includes:
when receiving a charging order sent by a charging pile system, extracting user identity information and a vehicle license plate number from the charging order;
verifying the user identity information and the license plate number of the vehicle based on a legal user database; the legal user database stores identity information of each legal user and a vehicle license plate number of each legal user;
and after the verification is passed, paying the charging order according to the virtual credit line.
Preferably, after the verification is passed, the payment of the charging order according to the virtual credit line includes:
after the verification is passed, judging whether the virtual credit line is not lower than the charging amount corresponding to the charging order;
and if the virtual credit line is not lower than the charging amount corresponding to the charging order, paying the charging order according to the virtual credit line.
Preferably, after the determining whether the virtual credit line is not lower than the charging amount corresponding to the charging order, the method further includes:
and if the virtual credit line is lower than the charging amount corresponding to the charging order, prompting the user to pay.
Preferably, the method further comprises:
and receiving the target license plate number input by the user, and adding the target license plate number into the legal user database.
Preferably, the method further comprises:
receiving charging pile use information sent by the charging pile system, wherein the charging pile use information comprises: the time spent between the completion of charging and the pulling-out of the charging gun head by the user;
and adjusting the credit of the user according to the time-consuming time length.
Preferably, after the payment of the charging order according to the virtual credit line, the method further comprises:
generating a bill to be paid in unit time according to the payment behavior in the unit time;
and prompting the user to pay the bill to be paid when the preset payment date is reached.
Preferably, when a preset payment date is reached, the user is prompted to pay the bill to be paid, and the method further includes:
when the prolonged repayment day is reached, detecting whether the user has repayment the bill to be repayment;
if the user is detected to be paid, the credit of the user is increased;
and if the fact that the user does not pay is detected, the credit of the user is reduced.
Preferably, the method further comprises:
adjusting the credit rating of the user according to the adjusted credit score;
if the credit rating rises, prompting the user to perfect personal information, and optimizing the user rights and interests of the user after the user perfects the personal information;
and if the credit rating is reduced, reducing the user rights and interests of the user.
According to a second aspect of the present invention, an embodiment of the present invention provides a payment apparatus based on a credit rating of a user, including:
the acquisition module is used for acquiring credit information of the user and determining credit of the user according to the credit information;
the searching module is used for searching the credit grade corresponding to the credit in a preset mapping relation table and distributing corresponding virtual credit line to the user according to the credit grade;
and the payment module is used for paying the charging order according to the virtual credit line when receiving the charging order sent by the charging pile system.
Preferably, the payment module includes:
the extraction unit is used for extracting user identity information and a vehicle license plate number from a charging order when receiving the charging order sent by the charging pile system;
the verification unit is used for verifying the user identity information and the license plate number of the vehicle based on a legal user database; the legal user database stores identity information of each legal user and a vehicle license plate number of each legal user;
and the payment unit is used for paying the charging order according to the virtual credit line after the verification is passed.
Preferably, the payment unit is specifically configured to determine whether the virtual credit line is not lower than a charging amount corresponding to the charging order after the verification is passed; and if the virtual credit line is not lower than the charging amount corresponding to the charging order, paying the charging order according to the virtual credit line.
Preferably, the payment unit is further configured to prompt the user to pay if the virtual credit line is lower than a charging amount corresponding to the charging order.
Preferably, the apparatus further comprises:
and the license plate number adding module is used for receiving the target license plate number input by the user and adding the target license plate number into the legal user database.
Preferably, the apparatus further comprises:
the first adjustment module is used for receiving the charging pile use information sent by the charging pile system, and the charging pile use information comprises: the time spent between the completion of charging and the pulling-out of the charging gun head by the user; and adjusting the credit of the user according to the time-consuming time length.
Preferably, the apparatus further comprises:
the prompting module is used for generating a bill to be paid in unit time according to the payment behavior in the unit time; and prompting the user to pay the bill to be paid when the preset payment date is reached.
Preferably, the first adjustment module is further configured to detect, when an extended payment date is reached, whether the user has paid the bill to be paid; if the user is detected to be paid, the credit of the user is increased; and if the fact that the user does not pay is detected, the credit of the user is reduced.
Preferably, the apparatus further comprises:
the second adjusting module is used for adjusting the credit rating of the user according to the credit score after adjustment;
the rights and interests updating module is used for prompting the user to perfect the personal information if the credit level rises, and optimizing the user rights and interests of the user after the user perfects the personal information; and if the credit rating is reduced, reducing the user rights and interests of the user.
According to a third aspect of the present invention, an embodiment of the present invention provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements any of the method steps as in the first aspect of the present invention.
According to a fourth aspect of the present invention, an embodiment of the present invention provides a server comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing any of the method steps as in the first aspect of the present invention when executing the program.
Compared with the prior art, the invention has the following advantages and beneficial effects:
the invention collects the credit information of the user and determines the credit of the user according to the credit information; searching a credit grade corresponding to the credit in a preset mapping relation table, and distributing corresponding virtual credit line for the user according to the credit grade; and when receiving a charging order sent by the charging pile system, paying the charging order according to the virtual credit line. The credit of the user is preliminarily determined through the credit information of the user, the initial virtual credit line of the user can be obtained, and when a charging order sent by the charging pile system is received, payment is automatically carried out according to the virtual credit line, manual operation of the user is not needed, the operation process of the user is greatly reduced, and the payment convenience of the user is improved. And the credit of the user is adjusted through the repayment behaviors of the user, so that the user can be guided to repay on time, the credit is improved, and good charging behaviors of the user are cultivated, so that the income of the charging pile system is improved.
Drawings
In order to more clearly illustrate the embodiments of the present description or the technical solutions in the prior art, the drawings that are required for the embodiments will be briefly described below, and it is apparent that the drawings in the following description are only some embodiments of the present description, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of a payment method based on user credit rating according to an embodiment of the invention;
fig. 2 is a schematic structural diagram of a payment device based on a credit rating of a user according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a computer-readable storage medium according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a server according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is apparent that the described embodiments are only some embodiments of the present invention, but not all embodiments, and all other embodiments obtained by those skilled in the art based on the embodiments of the present invention are within the scope of protection of the embodiments of the present invention.
First embodiment
Referring to fig. 1, fig. 1 is a flowchart of a payment method based on a user credit rating according to an embodiment of the invention.
The execution subject of the present embodiment is the server, which is a charging operator server. The application scenario of this embodiment is: the server is connected with the charging pile system, the charging pile system collects fingerprints of the user, the fingerprints of the user are identified by the charging pile system, identity information of the user is determined, after the user inserts the charging pile into the electric automobile, the electric automobile of the user is charged, and after charging is completed, the charging pile system sends a charging order to the server, so that the server pays the charging order, and the whole charging behavior is completed. The method comprises the following steps:
step S10: and collecting credit information of the user, and determining credit of the user according to the credit information.
When the user uses the charging pile system for the first time, the credit information of the user on a third party platform can be collected, the third party platform is a platform which has made credit evaluation for the user, and the embodiment can link the third party platform under the condition that the user allows the user and collect the credit information of the user on the third party platform. The credit information is transaction record, fulfillment record and credit of the user on the third party platform, and the credit of the user is determined according to the credit information, and the method specifically comprises the following steps: and directly acquiring the credit of the user on the third-party platform, or converting the credit of the user on the third-party platform to acquire the credit of the user on the charging platform, or scoring the user according to the transaction record and the fulfillment record of the user on the third-party platform to acquire the credit of the user. The credit of the user can be preliminarily determined through the third-party platform, so that automatic payment service is provided for the user when the user charges through the charging pile system for the first time, and the credit of the user is subsequently readjusted according to the payment behavior of the user in the charging pile system.
Step S20: and searching a credit grade corresponding to the credit in a preset mapping relation table, and distributing a corresponding virtual credit line for the user according to the credit grade.
In order to provide each user with a virtual credit line, a preset mapping relationship between credit rating and credit score, and a correspondence relationship between credit rating and virtual credit line, for example, table 1 below, are set. The virtual credit line is a virtual amount used by the user in the charging pile system, and can pay for a charging order of the charging pile system.
TABLE 1 correspondence table between credit rating, credit score, virtual credit line
Credit rating Credit score Virtual credit line
Three stages 600-800 1000
Second-level 400-600 800
First level 400 or less 500
Step S30: and when receiving a charging order sent by the charging pile system, paying the charging order according to the virtual credit line.
After the user finishes charging through the charging pile system, the charging pile system sends a charging order to the server, and after the server receives the charging order, the charging order is paid through the virtual credit line, the charging amount is deducted from the virtual credit line, and the virtual credit line is updated.
In one possible implementation manner, the step S30 includes: when a charging order sent by a charging pile system is received, user identity information and a vehicle license plate number are extracted from the charging order, and verification is carried out on the user identity information and the vehicle license plate number based on a legal user database; the legal user database stores the identity information of each legal user and the vehicle license plate number of each legal user, and after verification is passed, the charging order is paid according to the virtual credit line. The charging order comprises information such as user identity information, vehicle license plate number, charging time, charging amount and charging amount of the current charging, in order to ensure the fund safety of the user, the server guides legal users to input the identity information and the vehicle license plate number in advance, when the charging order is received, the user identity information and the vehicle license plate number are extracted from the charging order, the user identity information is searched in the legal user database, the legal license plate number corresponding to the searched user identity information is obtained, the vehicle license plate number in the charging order is compared with the legal license plate number, and in the case that the vehicle license plate number in the charging order belongs to the legal license plate number, verification is considered to pass, and after verification is passed, the charging order is paid according to the virtual credit line, so that the property safety of the user can be ensured, and illegal charging behaviors are avoided.
In a possible implementation manner, after the verification is passed, paying the charging order according to the virtual credit line includes: after the verification is passed, judging whether the virtual credit line is not lower than the charging amount corresponding to the charging order; if the virtual credit line is not lower than the charging amount corresponding to the charging order, paying the charging order according to the virtual credit line; and if the virtual credit line is lower than the charging amount corresponding to the charging order, prompting the user to pay. After multiple uses, the virtual credit line of the user may be lower, so that after verification, it is further required to determine whether the virtual credit line is sufficient to pay the charging amount, and if the virtual credit line is not lower than the charging amount, the charging order is paid according to the virtual credit line; and if the virtual credit line is lower than the charging amount corresponding to the charging order, prompting the user to pay.
In one possible embodiment, the method further comprises: and receiving the target license plate number input by the user, and adding the target license plate number into the legal user database. The legal user database stores the identity information of each legal user and the license plate number of each legal user, each legal user can correspond to one or more license plate numbers, and the user can add new license plate numbers into the legal user database at any time, specifically: and receiving the target identity information and the target license plate number input by the user, searching the target identity information in the legal user database, and adding the target license plate number at the legal license plate number corresponding to the searched target identity information, so that other electric automobiles can be charged, and the convenience of other users is improved.
In a possible implementation manner, after the step S30, the method further includes: receiving charging pile use information sent by the charging pile system, wherein the charging pile use information comprises: the time spent between the completion of charging and the pulling-out of the charging gun head by the user; and adjusting the credit of the user according to the time-consuming time length. Setting a corresponding relation between the time wasting duration and the credit descending score, determining the corresponding credit descending score according to the time wasting duration, adjusting the passing credit score according to the credit descending score, and reducing the credit score of the user when the user occupies the charging pile for too long, thereby encouraging the user to pull out the charging gun head as soon as possible after the charging is completed, and improving the utilization rate of the charging pile.
In a possible implementation manner, after the step S30, the method further includes: generating a bill to be paid in unit time according to the payment behavior in the unit time; and prompting the user to pay the bill to be paid when the preset payment date is reached. When the prolonged repayment day is reached, detecting whether the user has repayment the bill to be repayment; if the user is detected to be paid, the credit of the user is increased; and if the fact that the user does not pay is detected, the credit of the user is reduced. The unit time is a generation period of the bill to be paid, for example, when the unit time is month and the preset payment date is five days per month, the bill to be paid of the month is generated according to the payment behavior of paying by the virtual credit line in one month, the user pays three times by the virtual credit line in one month and pays 300 yuan in total, the bill to be paid of the month is generated, the amount to be paid is 300 yuan, and the user pays the bill to be paid by other accounts before five days of the february, so that the user only needs to pay once in one unit time without paying every charging, the operation of the user is greatly reduced, and the user experience is improved. When the prolonged repayment day is reached, if the fact that the user does not repayment the bill to be repayment is detected, reminding the user again, and if the user does not repayment after remixing again, reducing the credit of the user.
In one possible embodiment, the method further comprises: adjusting the credit rating of the user according to the adjusted credit score; if the credit rating rises, prompting the user to perfect personal information, and optimizing the user rights and interests of the user after the user perfects the personal information; and if the credit rating is reduced, reducing the user rights and interests of the user. After the credit score of the user is adjusted, the credit rating of the user is correspondingly adjusted according to the table 1, and the rights and interests of the user are optimized or reduced according to the adjusted credit rating. If the credit rating increases, prompting the user to perfect personal information including, but not limited to: the system optimizes the user rights and interests of the user after the user perfects personal information, such as upgrading to members, providing charging discounts, giving free electric quantity and the like, can guide the user to pay off on time, improve credit, cultivate good charging behaviors of the user and improve the income of the charging pile system. Meanwhile, if the credit rating is reduced, the user interests of the user are reduced, for example, the virtual credit line of the user is reduced, and when the virtual credit line of the user is lower, the user needs to pay on the server manually every time when charging, and the operation is more complicated, so that the user can be encouraged to pay back on time, the credit is increased, and the automatic payment service is restored.
In one possible embodiment, the method further comprises: and setting a reporting window and a complaint window, receiving reporting information input by a user through the reporting window, verifying the reporting information, and if the reporting information is true, increasing a preset score for the credit score of the user. For example, the user can report that other users damage the charging pile, and the occupied charging pile is not separated after the charging of other users is finished, so that the service life of the charging pile system is prolonged through mutual supervision among users. And receiving complaint information of the user through the complaint window, verifying the complaint information, and if the complaint information is true, recovering the credit deducted by the user. For example, the user is illegally deducted by credit, and the user experience is improved by recovering through the complaint window.
The technical scheme provided in the embodiment of the application has at least the following technical effects or advantages:
the embodiment determines the credit of the user according to the credit information by collecting the credit information of the user; searching a credit grade corresponding to the credit in a preset mapping relation table, and distributing corresponding virtual credit line for the user according to the credit grade; and when receiving a charging order sent by the charging pile system, paying the charging order according to the virtual credit line. The credit of the user is preliminarily determined through the credit information of the user, the initial virtual credit line of the user can be obtained, and when a charging order sent by the charging pile system is received, payment is automatically carried out according to the virtual credit line, manual operation of the user is not needed, the operation process of the user is greatly reduced, and the payment convenience of the user is improved. And the credit of the user is adjusted through the repayment behaviors of the user, so that the user can be guided to repay on time, the credit is improved, and good charging behaviors of the user are cultivated, so that the income of the charging pile system is improved.
Second embodiment
Based on the same inventive concept, as shown in fig. 2, an embodiment of the present invention further provides a payment device based on a credit rating of a user, including:
the acquisition module 10 is used for acquiring credit information of a user and determining credit of the user according to the credit information;
the searching module 20 is configured to search a credit level corresponding to the credit in a preset mapping relation table, and allocate a corresponding virtual credit line to the user according to the credit level;
and the payment module 30 is used for paying the charging order according to the virtual credit line when receiving the charging order sent by the charging pile system.
In one possible implementation, the payment module 30 includes:
the extraction unit is used for extracting user identity information and a vehicle license plate number from a charging order when receiving the charging order sent by the charging pile system;
the verification unit is used for verifying the user identity information and the license plate number of the vehicle based on a legal user database; the legal user database stores identity information of each legal user and a vehicle license plate number of each legal user;
and the payment unit is used for paying the charging order according to the virtual credit line after the verification is passed.
In a possible implementation manner, the payment unit is specifically configured to determine, after the verification is passed, whether the virtual credit is not lower than a charging amount corresponding to the charging order; and if the virtual credit line is not lower than the charging amount corresponding to the charging order, paying the charging order according to the virtual credit line.
In one possible implementation manner, the payment unit is further configured to prompt the user to pay if the virtual credit line is lower than a charging amount corresponding to the charging order.
In one possible embodiment, the apparatus further comprises:
and the license plate number adding module is used for receiving the target license plate number input by the user and adding the target license plate number into the legal user database.
In one possible embodiment, the apparatus further comprises:
the first adjustment module is used for receiving the charging pile use information sent by the charging pile system, and the charging pile use information comprises: the time spent between the completion of charging and the pulling-out of the charging gun head by the user; and adjusting the credit of the user according to the time-consuming time length.
In one possible embodiment, the apparatus further comprises:
the prompting module is used for generating a bill to be paid in unit time according to the payment behavior in the unit time; and prompting the user to pay the bill to be paid when the preset payment date is reached.
In a possible implementation manner, the first adjusting module is further configured to detect, when an extended payment date is reached, whether the user has paid the bill to be paid; if the user is detected to be paid, the credit of the user is increased; and if the fact that the user does not pay is detected, the credit of the user is reduced.
In one possible embodiment, the apparatus further comprises:
the second adjusting module is used for adjusting the credit rating of the user according to the credit score after adjustment;
the rights and interests updating module is used for prompting the user to perfect the personal information if the credit level rises, and optimizing the user rights and interests of the user after the user perfects the personal information; and if the credit rating is reduced, reducing the user rights and interests of the user.
The technical scheme provided in the embodiment of the application has at least the following technical effects or advantages:
the embodiment determines the credit of the user according to the credit information by collecting the credit information of the user; searching a credit grade corresponding to the credit in a preset mapping relation table, and distributing corresponding virtual credit line for the user according to the credit grade; and when receiving a charging order sent by the charging pile system, paying the charging order according to the virtual credit line. The credit of the user is preliminarily determined through the credit information of the user, the initial virtual credit line of the user can be obtained, and when a charging order sent by the charging pile system is received, payment is automatically carried out according to the virtual credit line, manual operation of the user is not needed, the operation process of the user is greatly reduced, and the payment convenience of the user is improved. And the credit of the user is adjusted through the repayment behaviors of the user, so that the user can be guided to repay on time, the credit is improved, and good charging behaviors of the user are cultivated, so that the income of the charging pile system is improved.
Third embodiment
Based on the same inventive concept, as shown in fig. 3, an embodiment of the present invention further provides a computer-readable storage medium 300 having stored thereon a computer program 311, which program 311 when executed by a processor realizes the steps of:
collecting credit information of a user, and determining credit of the user according to the credit information; searching a credit grade corresponding to the credit in a preset mapping relation table, and distributing corresponding virtual credit line for the user according to the credit grade; and when receiving a charging order sent by the charging pile system, paying the charging order according to the virtual credit line.
In a specific implementation, the computer program 311, when executed by a processor, may implement the method steps of any of the first implementation.
Fourth embodiment
Based on the same inventive concept, as shown in fig. 4, the embodiment of the present invention further provides a server 400, including a memory 410, a processor 420, and a computer program 411 stored in the memory 410 and executable on the processor 420, wherein the processor 420 implements the following steps when executing the program 411:
collecting credit information of a user, and determining credit of the user according to the credit information; searching a credit grade corresponding to the credit in a preset mapping relation table, and distributing corresponding virtual credit line for the user according to the credit grade; and when receiving a charging order sent by the charging pile system, paying the charging order according to the virtual credit line.
In a specific implementation, the processor 420 may implement the method steps of any of the above first implementation when executing the computer program 411.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (modules, systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.

Claims (18)

1. A payment method based on a user credit rating, which is applied to a server and comprises the following steps:
collecting credit information of a user, and determining credit of the user according to the credit information;
searching a credit grade corresponding to the credit in a preset mapping relation table, and distributing corresponding virtual credit line for the user according to the credit grade;
when a charging order sent by a charging pile system is received, paying the charging order according to the virtual credit line, wherein the charging pile system determines identity information of a user by carrying out fingerprint identification on the user;
when receiving a charging order sent by a charging pile system, paying the charging order according to the virtual credit line, including:
when receiving a charging order sent by a charging pile system, extracting user identity information and a vehicle license plate number from the charging order;
verifying the user identity information and the license plate number of the vehicle based on a legal user database; the legal user database stores identity information of each legal user and a vehicle license plate number of each legal user;
and after the verification is passed, paying the charging order according to the virtual credit line.
2. The method of claim 1, wherein said paying said charge order based on said virtual credit line after said verification passes comprises:
after the verification is passed, judging whether the virtual credit line is not lower than the charging amount corresponding to the charging order;
and if the virtual credit line is not lower than the charging amount corresponding to the charging order, paying the charging order according to the virtual credit line.
3. The method of claim 2, wherein after determining whether the virtual credit is not less than a charge amount corresponding to the charge order, the method further comprises:
and if the virtual credit line is lower than the charging amount corresponding to the charging order, prompting the user to pay.
4. A method according to claim 3, characterized in that the method further comprises:
and receiving the target license plate number input by the user, and adding the target license plate number into the legal user database.
5. The method according to any one of claims 1-4, further comprising:
receiving charging pile use information sent by the charging pile system, wherein the charging pile use information comprises: the time spent between the completion of charging and the pulling-out of the charging gun head by the user;
and adjusting the credit of the user according to the time-consuming time length.
6. The method of claim 5, wherein after said payment of said charge order based on said virtual credit line, said method further comprises:
generating a bill to be paid in unit time according to the payment behavior in the unit time;
and prompting the user to pay the bill to be paid when the preset payment date is reached.
7. The method of claim 6, wherein the user is prompted to pay the bill for payment after the predetermined payment date is reached, the method further comprising:
when the prolonged repayment day is reached, detecting whether the user has repayment the bill to be repayment;
if the user is detected to be paid, the credit of the user is increased;
and if the fact that the user does not pay is detected, the credit of the user is reduced.
8. The method of claim 7, wherein the method further comprises:
adjusting the credit rating of the user according to the adjusted credit score;
if the credit rating rises, prompting the user to perfect personal information, and optimizing the user rights and interests of the user after the user perfects the personal information;
and if the credit rating is reduced, reducing the user rights and interests of the user.
9. A payment device based on a user credit rating, comprising:
the acquisition module is used for acquiring credit information of the user and determining credit of the user according to the credit information;
the searching module is used for searching the credit grade corresponding to the credit in a preset mapping relation table and distributing corresponding virtual credit line to the user according to the credit grade;
the payment module is used for paying the charging order according to the virtual credit line when receiving the charging order sent by the charging pile system;
the payment module comprises:
the extraction unit is used for extracting user identity information and a vehicle license plate number from a charging order when receiving the charging order sent by the charging pile system;
the verification unit is used for verifying the user identity information and the license plate number of the vehicle based on a legal user database; the legal user database stores identity information of each legal user and a vehicle license plate number of each legal user;
and the payment unit is used for paying the charging order according to the virtual credit line after the verification is passed.
10. The apparatus according to claim 9, wherein the payment unit is specifically configured to determine, after the verification is passed, whether the virtual credit is not lower than a charging amount corresponding to the charging order; and if the virtual credit line is not lower than the charging amount corresponding to the charging order, paying the charging order according to the virtual credit line.
11. The apparatus of claim 10, wherein the payment unit is further configured to prompt the user to pay if the virtual credit is less than a charge amount corresponding to the charge order.
12. The apparatus of claim 11, wherein the apparatus further comprises:
and the license plate number adding module is used for receiving the target license plate number input by the user and adding the target license plate number into the legal user database.
13. The apparatus according to any one of claims 9-12, wherein the apparatus further comprises:
the first adjustment module is used for receiving the charging pile use information sent by the charging pile system, and the charging pile use information comprises: the time spent between the completion of charging and the pulling-out of the charging gun head by the user; and adjusting the credit of the user according to the time-consuming time length.
14. The apparatus of claim 13, wherein the apparatus further comprises:
the prompting module is used for generating a bill to be paid in unit time according to the payment behavior in the unit time; and prompting the user to pay the bill to be paid when the preset payment date is reached.
15. The apparatus of claim 14, wherein the first adjustment module is further configured to detect whether the user has paid the bill for payment when an extended payment date is reached; if the user is detected to be paid, the credit of the user is increased; and if the fact that the user does not pay is detected, the credit of the user is reduced.
16. The apparatus of claim 15, wherein the apparatus further comprises:
the second adjusting module is used for adjusting the credit rating of the user according to the credit score after adjustment;
the rights and interests updating module is used for prompting the user to perfect the personal information if the credit level rises, and optimizing the user rights and interests of the user after the user perfects the personal information; and if the credit rating is reduced, reducing the user rights and interests of the user.
17. A computer readable storage medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method steps of any of claims 1-8.
18. A server comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method steps of any of claims 1-8 when the program is executed.
CN202010490499.4A 2020-06-02 2020-06-02 Payment method and device based on user credit level Active CN113762658B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202010490499.4A CN113762658B (en) 2020-06-02 2020-06-02 Payment method and device based on user credit level

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202010490499.4A CN113762658B (en) 2020-06-02 2020-06-02 Payment method and device based on user credit level

Publications (2)

Publication Number Publication Date
CN113762658A CN113762658A (en) 2021-12-07
CN113762658B true CN113762658B (en) 2024-01-23

Family

ID=78782891

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202010490499.4A Active CN113762658B (en) 2020-06-02 2020-06-02 Payment method and device based on user credit level

Country Status (1)

Country Link
CN (1) CN113762658B (en)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE102009039650A1 (en) * 2009-09-02 2011-03-10 Elektro-Bauelemente Gmbh Method for energizing e.g. electrical operable vehicle in parking lot, involves sending releasing signal so that current is fed to vehicle, during correlation of characteristics with information, and metering electrical quantity
EP2930672A1 (en) * 2014-04-11 2015-10-14 Fujitsu Limited Gastronomy payment system using geotagging and mobile devices
CN106910054A (en) * 2015-12-23 2017-06-30 北京奇虎科技有限公司 A kind of method and apparatus of payment transaction data processing
CN107578230A (en) * 2017-09-05 2018-01-12 深圳天珑无线科技有限公司 A kind of credit payment method, system, mobile terminal and meter readable storage medium storing program for executing
KR101904973B1 (en) * 2017-12-05 2018-10-05 주식회사 엔비레즈 Credit card payment processing apparatus capable of determining whether the credit card payment is authentic based on the credit score and operating method thereof

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9505317B2 (en) * 2008-12-22 2016-11-29 General Electric Company System and method for electric vehicle charging and billing using a wireless vehicle communication service
WO2019193665A1 (en) * 2018-04-03 2019-10-10 Ｇｌｏｂａｌ Ｍｏｂｉｌｉｔｙ Ｓｅｒｖｉｃｅ株式会社 Credit checking assistance system, vehicle-mounted device, vehicle, server, credit checking assistance method, credit checking assistance program, and storage medium
CN111784420B (en) * 2018-05-31 2024-09-13 创新先进技术有限公司 Parking charging method and device and electronic equipment

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE102009039650A1 (en) * 2009-09-02 2011-03-10 Elektro-Bauelemente Gmbh Method for energizing e.g. electrical operable vehicle in parking lot, involves sending releasing signal so that current is fed to vehicle, during correlation of characteristics with information, and metering electrical quantity
EP2930672A1 (en) * 2014-04-11 2015-10-14 Fujitsu Limited Gastronomy payment system using geotagging and mobile devices
CN106910054A (en) * 2015-12-23 2017-06-30 北京奇虎科技有限公司 A kind of method and apparatus of payment transaction data processing
CN107578230A (en) * 2017-09-05 2018-01-12 深圳天珑无线科技有限公司 A kind of credit payment method, system, mobile terminal and meter readable storage medium storing program for executing
KR101904973B1 (en) * 2017-12-05 2018-10-05 주식회사 엔비레즈 Credit card payment processing apparatus capable of determining whether the credit card payment is authentic based on the credit score and operating method thereof

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
充电桩收费及监控云平台的设计;许欣宇;徐宇雷;;电气时代(第08期);第48-50页 *
福建省自贸区信用支付系统设计及实现;赵瑞;;商场现代化(第20期);第84-85页 *

Also Published As

Publication number Publication date
CN113762658A (en) 2021-12-07

Similar Documents

Publication Publication Date Title
CN111071094B (en) Charging method and device
CN106447306A (en) Quick refueling payment method based on WeChat Payment
JP2006073031A5 (en)
CN107679936A (en) A kind of intelligent payment method for gas station
CN111508087A (en) Charging method and device for parking lot
CN110774930B (en) New energy vehicle charging management method and system
CN108305391A (en) Oiling Information Collecting ＆ Processing method and oiling service system
CN112419517A (en) Method and system suitable for identifying and charging unlicensed vehicles in unmanned parking lot
CN111524244A (en) Unattended parking charging method and system based on static two-dimensional code
CN110738478A (en) Payment method, system and device
CN108376429A (en) Parking lot management method, parking lot management device and readable storage medium storing program for executing
CN113762658B (en) Payment method and device based on user credit level
CN109255849A (en) Vehicle method of payment and system, computer readable storage medium
CN112541752A (en) Expense processing method and device for vehicle rental platform, computer equipment and medium
CN113963449A (en) Parking lot payment method and device
CN112348981A (en) Method and system for paying in parking lot and payment platform
CN112037349A (en) Vehicle fee deduction method and related device
CN117162844A (en) Non-inductive charging payment method, device, equipment and storage medium for vehicle
CN110727707A (en) Processing method, medium, equipment and system for operation log of toll collector in parking lot
CN113306437B (en) Charging method, charging device, electronic equipment and storage medium
CN112070570B (en) Intelligent driver end network vehicle-closing operation method
CN115410318A (en) Motorcade electric vehicle charging management method and vehicle charging method
CN114723431A (en) Order processing method and device, electronic equipment and storage medium
CN110619685B (en) Parking self-service payment method, medium, equipment and system based on large-scale activities
CN114240413A (en) Vehicle-mounted payment method and device and storage medium

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
TA01 Transfer of patent application right
TA01 Transfer of patent application right

Effective date of registration: 20220706

Address after: 313300 room 101-27, building 1, No. 236, Lingyan Road, Lingfeng street, Anji County, Huzhou City, Zhejiang Province (self declaration)

Applicant after: Zhejiang Anji Zhidian Holding Co.,Ltd.

Address before: 100020 unit 3805-3815, 38 / F, building 8, 91 Jianguo Road, Chaoyang District, Beijing

Applicant before: CHEZHUBANG (BEIJING) TECHNOLOGY Co.,Ltd.

GR01 Patent grant
GR01 Patent grant