CN114066434A - Electric power marketing digital RMB payment system and method - Google Patents
Electric power marketing digital RMB payment system and method Download PDFInfo
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- CN114066434A CN114066434A CN202110931053.5A CN202110931053A CN114066434A CN 114066434 A CN114066434 A CN 114066434A CN 202110931053 A CN202110931053 A CN 202110931053A CN 114066434 A CN114066434 A CN 114066434A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/06—Electricity, gas or water supply
Abstract
A power marketing digital RMB payment system comprises a power marketing digital RMB payment module which is used for a payment client to generate an order by adopting digital RMB payment and has the function of payment, a power marketing digital RMB reconciliation module which is used for a power business hall toll collector to check the income of general account and detailed account in the same day through digital RMB payment running water, a power marketing digital RMB cashing and payment module which is used for the power business hall toll collector to carry out cashing and payment on the digital RMB collected in the same day from an electric power company electronic purse to an electric power company bank to public account, and a power marketing digital RMB cashing system setting module which is used for setting the overtime duration of payment, the number of a merchant, the number of an operator and the password setting function, the invention also provides a method for payment by utilizing the payment system, and the system and the method, the intelligent service of electric power payment is provided for the electric power users, and a novel innovative electric power marketing service channel is established.
Description
Technical Field
The invention relates to the field of power marketing, in particular to a power marketing digital RMB payment system and a power marketing digital RMB payment method.
Background
With the continuous growth of economy in China, the digital RMB wallet does not need to be bound with any bank account, a digital RMB hard wallet is used, and the digital RMB can be placed on a mobile phone and can also be synchronously arranged in one card. Even if the user does not use the smart phone or does not have the mobile phone, the user can enjoy the convenience of mobile payment by using the related hard wallet, the offline payment and the 'hit-and-miss' payment are supported, and the loss of hard wallet carriers such as the mobile phone can be reported. In addition, unlike WeChat, Payment Bao, all small transactions are anonymous to each other using digital RMB transactions.
Synthesize above, utilize digital RMB to carry out electric power payment system, establish novel intelligent, market type, experience type innovative service, promote "internet +" marketing service level energetically, realized the all-round management of service, provide more convenient, high-quality service experience for power consumption customer.
Disclosure of Invention
The invention aims to provide a power marketing digital RMB fee charging system and a method, wherein a power marketing fee charging system is constructed by utilizing digital RMB issued by the RMB in a matching way, a novel innovative fee charging service is constructed, and a power marketing fee charging intelligent service is provided for power users in the power marketing field by combining a cloud computing technology, an artificial intelligence technology, a block chain technology, a voice/semantic recognition technology and an embedded intelligent customer service technology, so that a novel innovative power marketing service channel is constructed; effectively solves the problems in the background technology.
In order to achieve the purpose, the invention is realized by the following technical scheme:
a power marketing digital RMB payment system comprises a power marketing digital RMB payment module, a power marketing digital RMB reconciliation module, a power marketing digital RMB cash withdrawal and payment module and a power marketing digital RMB payment system setting module; the electric power marketing digital RMB payment module is used for generating an order by paying the electric power business hall by the payment client and generating payment by paying the digital RMB; the electric power marketing digital RMB reconciliation module is used for the toll collector of the electric power business hall to carry out income checking of general ledgers and detailed ledgers on the current day through the digital RMB payment running water; the electric marketing digital RMB cash withdrawal and payment module is used for a toll office toll collector to withdraw and pay the digital RMB collected in the same day from an electric company electronic purse to an electric company bank to manage a public account; the setting module of the electric power marketing digital RMB payment system is used for setting payment overtime duration, payment process state and other functions.
Further, the electric power marketing digital RMB payment module comprises a digital RMB two-dimensional code scanned payment request, an order payment result inquiry request and a digital RMB payment and account payment function.
Furthermore, the electric power marketing digital RMB reconciliation module comprises functions of merchant running inquiry transaction request, reconciliation file generation, reconciliation file uploading, reconciliation processing and automatic cash withdrawal.
Furthermore, the electric power marketing digital RMB cash withdrawal and payment module comprises a function of applying and initiating payment to a public wallet to a public account and inquiring a payment result.
Furthermore, the setting module of the electric power marketing digital RMB payment system comprises payment overtime time, merchant numbers, operators and password setting functions.
A method for paying for the power marketing digital RMB utilizes the power marketing digital RMB paying system to pay for the power marketing digital RMB.
The electric power marketing digital RMB payment method comprises an electric power marketing digital RMB payment process, and the process supports double off-line payment.
The electric power marketing digital RMB payment method comprises an electric power marketing digital RMB reconciliation flow and an electric power marketing digital RMB cash withdrawal flow, and supports T +0 real-time accounting.
Compared with the prior art, the invention has the beneficial effects that:
1. the legislation: digital rmb is issued by the rmb, is legal currency in digital form, and has value characteristics and legislation. The digital RMB does not need to be bound with a bank card, and the payment using the digital RMB has the same value and the same legal compensation as cash.
2. Traceability: the traceability and labeling characteristics of the digital RMB payment are adopted to ensure the traceability of the transaction process.
3. Double off-line payment: the double off-line payment refers to a process of completing the service under the condition that the medium and the acceptance terminal are off-line. Even under the condition of no mobile phone signal, the mobile phone wallet can still be used, and the transfer or payment can be conveniently completed only by the mobile phone with the digital money wallet.
4. T +0 real-time account arrival: the traditional electric power marketing payment is made to an electric power company marketing account after T +1 reconciliation, and T +0 real-time payment can be realized through an electric power marketing digital RMB payment system.
Drawings
FIG. 1 is a functional architecture diagram of the electric power marketing digital RMB payment system of the present invention.
FIG. 2 is a schematic diagram of the payment process of the power marketing digital RMB payment of the present invention.
Fig. 3 is a schematic diagram of the account checking flow architecture of the cloud power marketing digital rmb.
FIG. 4 is a schematic diagram of the structure of the electric marketing digital RMB cashing and fund-resolving process of the present invention.
Detailed Description
The invention will be further illustrated with reference to the following specific examples. It should be understood that the examples are for illustrative purposes only and are not intended to limit the scope of the present invention. Further, it should be understood that various changes or modifications of the present invention may be made by those skilled in the art after reading the teaching of the present invention, and these equivalents also fall within the scope of the present application.
Example 1
The embodiment is a power marketing digital RMB payment system, as shown in figure 1, which comprises a power marketing digital RMB payment module, a power marketing digital RMB reconciliation module, a power marketing digital RMB cashing and refunding module and a power marketing digital RMB payment system setting module; the electric power marketing digital RMB payment module is used for generating an order by paying the electric power business hall by the payment client and generating payment by paying the digital RMB; the electric power marketing digital RMB reconciliation module is used for the toll collector of the electric power business hall to carry out income checking of general ledgers and detailed ledgers on the current day through the digital RMB payment running water; the electric marketing digital RMB cash withdrawal and payment module is used for a toll office toll collector to withdraw and pay the digital RMB collected in the same day from an electric company electronic purse to an electric company bank to manage a public account; the setting module of the electric power marketing digital RMB payment system is used for setting payment overtime duration, payment process state and other functions.
Further, as shown in fig. 2, the electricity marketing digital renminbi payment, the customer electricity payment shows the digital renminbi payment two-dimensional code, the business office clerk scans the digital renminbi two-dimensional code through a code scanning gun, and initiates a digital currency payment request (merchant number, unit number, counter number, merchant sub-number, payment amount, payment time, payment order number, and teller number if the teller performs account checking and payment, the teller number needs to be sent) through the marketing business foreground service; the access service receives the payment request, stores the payment order information of the time, generates the payment order information of the bank digital currency through encryption, and after receiving the payment order, the bank deducts money and returns the payment order information, wherein the three states of success, failure and uncertainty are returned; the marketing business foreground service saves the payment record and performs the transaction of payment when receiving the successful payment, and finishes the transaction after receiving the failure of payment; for the order with payment failure, returning payment failure to enable the customer to pay again, for the order with payment uncertainty, initiating payment result query by access service polling (polling for 20 seconds), sending encryption assembly to the front of the bank, returning the payment result by the bank, and if the order is still in an uncertainty state, performing compensation processing; and initiating payment compensation by the front end of the marketing business, inquiring the flow of the merchant digital wallets of the bank by the access service after the access service receives the payment compensation request, if the flow is generated, determining that the order is successful, otherwise, failing the payment, not performing the payment account processing, and allowing the user to pay again.
The digital RMB payment is mainly initiated by a client showing a digital RMB payment two-dimensional code, a code scanning system is required to identify a digital RMB payment service according to a coding mechanism of the digital RMB payment two-dimensional code, in order to avoid the condition that all equipment and a payment system of an electric power business hall have to be upgraded before the digital RMB payment is popularized, a coding mechanism identification program can be preset in a numbering system at the front end of a marketing service foreground, and a payment client is guided to a specially-arranged digital RMB payment foreground through code scanning and numbering, so that the digital RMB payment is an important means for reducing workload before the digital RMB payment is popularized, particularly in an upgrading improvement stage of the electric power digital RMB payment system.
As shown in fig. 3, the electric marketing digital rmb reconciliation is performed, a marketing business foreground initiates a digital currency payment reconciliation request, an access service receives the request, encrypts and signs accounting request information, requests a digital wallet pipeline interface, traverses the digital wallet pipeline after acquiring the digital wallet pipeline, and determines whether the transaction is successful or not by adopting transaction time, fund codes and accounting amount of a bankless tracking id (traceid); for the bank tracking ID (traceId), determining whether the transaction is successful by adopting the bank tracking ID and the accounting amount; the access service modifies the payment order state according to the digital wallet flow comparison result; after the order state is modified, the access service searches all orders successfully paid according to the fund codes, generates an account checking file, uploads the account checking file to a file server, and sends an account checking notice to a marketing business foreground; the marketing business foreground receives the account checking notice, starts the account checking, and automatically jumps to the digital currency cash withdrawal flow if the unilateral account does not exist; if the single-side account exists, firstly processing the single-side account; after the account checking is completed, sending a notice to the access service; and after receiving the account checking completion notice, the access service modifies the corresponding account checking information state into a completion state.
As shown in fig. 4, the electric marketing digital renminbi cash withdrawal is initiated by a marketing business foreground service, the initiation of the cash withdrawal request can be initiated only after account checking, the marketing business foreground service firstly carries out local inquiry to determine whether cash withdrawal is carried out, and initiates the cash withdrawal request after the cash withdrawal is determined; the access service stores a withdrawal initiation request record, locally inquires whether the withdrawal request is withdrawn or not, after determining that the withdrawal is not withdrawn, encapsulates, encrypts and adds a label, sends the withdrawal request to the front end of the bank, the front end of the bank returns withdrawal submission information, and after the access service decrypts and checks the label, the withdrawal record is stored. And starting to extract result query; the access service packages, encrypts and adds labels to the parameters of the bank cash withdrawal result query interface and sends the parameters to the bank front end, the bank front end returns cash withdrawal result query information, the access service decrypts and verifies the labels, modifies the corresponding cash withdrawal information state according to the cash withdrawal result and forwards the cash withdrawal result to the marketing service foreground service; the marketing business foreground receives the cash withdrawal result, and if the cash withdrawal is successful, the cash withdrawal state is modified; and to make a payment. If the cash withdrawal fails, the cash withdrawal can be initiated again.
Claims (8)
1. A power marketing digital RMB payment system is characterized by comprising a power marketing digital RMB payment module, a power marketing digital RMB reconciliation module, a power marketing digital RMB cash withdrawal and payment module and a power marketing digital RMB payment system setting module, wherein the power marketing digital RMB payment module is used for paying customers to a power business hall to generate orders by adopting digital RMB payment and pay payment functions, the power marketing digital RMB reconciliation module is used for a power business hall toll collector to carry out income checking of general account and detailed account on the current day through digital RMB payment flow, the power marketing digital RMB cash withdrawal and payment module is used for the power business toll collector to withdraw the digital RMB received on the current day from a power company electronic purse to a power company bank to manage public accounts, the setting module of the electric power marketing digital RMB payment system is used for setting functions including payment overtime duration and payment process state.
2. The electric marketing digital RMB payment system of claim 1, wherein the electric marketing digital RMB payment module comprises a digital RMB two-dimensional code scanned payment request, an order payment result inquiry request and a digital RMB payment and payment function.
3. The electric power marketing digital RMB payment system of claim 1 or 2, wherein the electric power marketing digital RMB reconciliation module comprises functions of merchant running inquiry transaction request, reconciliation file generation, reconciliation file uploading, reconciliation processing and automatic cash withdrawal.
4. The electric marketing digital RMB payment system of any one of claims 1 to 3, wherein the electric marketing digital RMB cashing and payment module comprises a function of applying for initiating payment of a public wallet to a public account and inquiring payment result.
5. The electric marketing digital RMB payment system of any one of claims 1 to 4, wherein said electric marketing digital RMB payment system setting module comprises payment timeout duration, merchant number, operator and password setting functions.
6. A power marketing digital renminbi payment method, characterized in that the power marketing digital renminbi payment system of any one of claims 1-5 is used for power marketing digital renminbi payment.
7. The method of claim 6, comprising a power marketing digital RMB payment process supporting dual offline payment.
8. The electric marketing digital RMB payment method of claim 6 or 7, comprising an electric marketing digital RMB reconciliation process and an electric marketing digital RMB cashing process, and supporting T +0 real-time reconciliation.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110931053.5A CN114066434A (en) | 2021-08-13 | 2021-08-13 | Electric power marketing digital RMB payment system and method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110931053.5A CN114066434A (en) | 2021-08-13 | 2021-08-13 | Electric power marketing digital RMB payment system and method |
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| CN114066434A true CN114066434A (en) | 2022-02-18 |
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| CN202110931053.5A Pending CN114066434A (en) | 2021-08-13 | 2021-08-13 | Electric power marketing digital RMB payment system and method |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115187239A (en) * | 2022-09-09 | 2022-10-14 | 国网数字科技控股有限公司 | Electricity charge payment method and device under double off-line scene |
| CN116012005A (en) * | 2023-01-10 | 2023-04-25 | 国网江苏省电力有限公司苏州供电分公司 | Real-time electric charge settlement system and method |
-
2021
- 2021-08-13 CN CN202110931053.5A patent/CN114066434A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115187239A (en) * | 2022-09-09 | 2022-10-14 | 国网数字科技控股有限公司 | Electricity charge payment method and device under double off-line scene |
| CN116012005A (en) * | 2023-01-10 | 2023-04-25 | 国网江苏省电力有限公司苏州供电分公司 | Real-time electric charge settlement system and method |
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