CN114118989A

CN114118989A - Electric energy meter transaction terminal based on payment of local Internet of things of DCEP

Info

Publication number: CN114118989A
Application number: CN202111415204.8A
Authority: CN
Inventors: 左勇; 朱若兰; 杜运福; 张赢; 裴子霞
Original assignee: Anhui Nanrui Zhongtian Electric Power Electronics Co ltd
Current assignee: Anhui Nanrui Zhongtian Electric Power Electronics Co ltd
Priority date: 2021-11-25
Filing date: 2021-11-25
Publication date: 2022-03-01

Abstract

The invention belongs to the field of power equipment, and particularly relates to an electric energy meter transaction terminal based on DCEP local internet of things payment. The terminal comprises a DCEP control module and a DCEP payment module. The DCEP control module comprises a main control unit, a first communication unit, a coin string interface, a DCEP SAM unit and an interaction unit. The first communication unit is used for establishing communication between the main control unit and the electric energy meter. The currency string interface is a communication interface between the DCEP control module and a DCEP payment module. The DCEPSAM unit is a module for security authorization and hardware encryption. The DCEP payment module comprises an electronic wallet, a wallet management unit and a second communication unit. The wallet management unit is used for managing the DCEP balance in the electronic wallet. And the DCEP payment module is communicated with a background data center of the bank through a second communication unit. The invention solves the problems that the existing power system can not carry out local settlement on the electric charge, and the traditional electric charge payment mode is time-consuming and labor-consuming, has delay, is easily influenced by the network connection state and the like.

Description

Electric energy meter transaction terminal based on payment of local Internet of things of DCEP

Technical Field

The invention belongs to the field of power equipment, and particularly relates to an electric energy meter transaction terminal based on DCEP local internet of things payment.

Background

The intelligent electric energy meter is an indispensable important component part for data acquisition of an intelligent power grid (particularly an intelligent power distribution network) as a metering terminal of customer electricity consumption, and is a basis for developing fair and open power trading. However, the conventional intelligent electric energy meter usually has only functions of electric quantity metering and electric charge calculation, and cannot realize functions of payment and settlement.

At the present stage, if a resident user needs to pay for the electricity consumption account, the resident user needs to go to a national power grid business hall under the current ground line or other generation power-fee-paying network points to pay for the electricity. The problems may influence normal electricity utilization of the user, so that the user cannot estimate the insufficient payment of the residual electricity fee in time, and the electricity utilization experience of the power user can be influenced by operations such as power outage due to arrearage, frequent and remote recharging and electricity renewal.

The online payment tools of some third-party channels can also pay the electric charge, so that convenience is provided for the payment of the user, and the payment time of the user is shortened. However, the information interconnection and intercommunication among users, payment enterprises, banks and power companies may be not smooth, and the payment mode still has the problems of obvious payment delay and incapability of timely recovering power supply. Meanwhile, the on-line payment of a common third party is mainly realized by transferring accounts through terminals such as a mobile phone and a computer, the transaction behavior is greatly influenced by a network, and if the terminals such as the mobile phone of a user and the like cannot be effectively connected with the internet in some special scenes, the related payment operation cannot be executed.

Disclosure of Invention

The invention provides an electric energy meter transaction terminal based on DCEP local internet of things payment, aiming at solving the problems that the existing electric power system cannot carry out local settlement on electricity consumption at a user end, and the traditional electricity consumption payment mode is time-consuming and labor-consuming, has delay and is easily influenced by a network connection state and the like.

The invention is realized by adopting the following technical scheme:

the utility model provides an electric energy meter transaction terminal based on payment of DCEP local thing networking, this electric energy meter transaction terminal is applied to the electric energy meter to accomplish the expense processing business of electricity consumption account in the local of electric energy meter through DCEP.

Dcep (digital current Electronic payment), refers to chinese edition digital Currency items, i.e., digital Currency and Electronic payment instruments. This is legal digital currency in the research of the people's bank of China, which is one kind of DIGICCY (digital currency). DCEP is issued by people's banks, is participated in operation by designated operation institutions and exchanged to the public, is based on a generalized account system, supports the loose coupling function of bank accounts, is equivalent to paper money and coins, and has a controllable anonymous payment tool with value characteristics and compensation.

In recent years, the development of the internet of things is suddenly and vigorously carried out, internet of things (IoT) devices are exponentially increased, large-scale information and data interaction application of the internet of things devices generates huge value, value transaction puts higher requirements on currency flow carriers, and DCEP has the characteristics of M0 (currency in circulation), double-layer operation mode, account loose coupling, support of double-off-line transaction and the like, is naturally matched with mobile internet of things payment, provides a flowing medium for information interaction and value exchange between people and things, and provides a financial infrastructure with wide trust and cooperation. Taking the example of the transfer from the user A to the user B, the DCEP payment principle is as follows:

1. the user A selects transfer amount and a transfer object user B from the APP, and the APP selects corresponding amount DCEP and sends the DCEP to a commercial bank;

2. after verifying the user information and the DCEP validity, the commercial bank sends the user information and the DCEP to a central bank;

4. after the DCEP and the user information are verified to be correct by the central bank authentication center, the DCEP owner is changed from the user A to the user B by the registration center, corresponding information is recorded, and the DCEP is sent back to the commercial bank;

4. the commercial bank receives the DCEP, informs the AB two parties of successful transfer after verification, changes the balance of the accounts of the two parties in the APP of the commercial bank, and sends the DCEP to the mobile phone of the B user;

5. and B, the mobile phone of the user receives the DCEP, verifies the authenticity of the DCEP, and stores the DCEP to the mobile phone.

In addition, DCEP also has the characteristic of 'double off-line payment', follows the steps, when both transfer parties can not connect the Internet, the transaction is suspended, and the operations of the steps 1 to 5 are carried out after any one of the transfer parties connects the Internet.

The invention develops a new transaction terminal based on an electric energy meter by utilizing the characteristics that DCEP can carry out online payment and has double offline payment. And local settlement and off-line payment of the electricity charge are realized. The electric energy meter transaction terminal provided by the invention comprises a DCEP control module and a DCEP payment module.

The DCEP control module comprises a main control unit, a first communication unit, a coin string interface, a DCEP SAM unit and an interaction unit. The main control unit is a central processing unit of the electric energy meter transaction terminal. The first communication unit is used for establishing communication between the main control unit and the electric energy meter. The interaction unit is a tool for interaction between the user and the main control unit; the currency string interface is a communication interface between the DCEP control module and a DCEP payment module. The DCEP SAM (Secure Access Module) unit is a Module for providing Secure authorization and hardware encryption, and is used for managing the transaction behavior of the DCEP payment Module and providing security protection for the transaction behavior process.

The DCEP payment module comprises an electronic wallet, a wallet management unit and a second communication unit. The electronic wallet is a data storage unit, and the electronic wallet stores characteristic data representing the DCEP balance pre-stored in the power consumption account by the user. The wallet management unit is used for logging in an account of the electronic wallet and managing DCEP balance in the electronic wallet. And the DCEP payment module is communicated with a background data center of the bank through a second communication unit.

Tasks executed by the electric energy meter transaction terminal comprise wallet balance synchronization, power on-off management, electric charge settlement, wallet recharging, wallet cash withdrawal and balance inquiry. The wallet balance synchronization, the power on-off management and the electric charge settlement are operation instructions which are triggered by the terminal independently. The wallet recharge and the wallet cash withdrawal are operation instructions initiated by the user. The balance inquiry can be triggered by the terminal independently or initiated by the user.

The operation instruction of the purse balance synchronization is triggered when any one of the tasks of electric charge settlement, purse recharging and purse withdrawal is finished. And when the wallet balance synchronous operation instruction is triggered, the electric energy meter transaction terminal automatically refreshes the DCEP balance in the electronic wallet.

The operation command for the electric charge settlement is triggered when the electric energy meter periodically sends the electric charge metering result. When an operation instruction of the electric charge settlement is triggered, the main control unit in the electric energy meter transaction terminal controls the wallet management unit to deduct the DCEP balance in the electronic wallet through the coin serial port.

And the operation instruction of the power on-off management is triggered after the electric charge settlement task is executed. When an operation instruction of power on-off management is triggered, the main control unit inquires the balance in the electronic wallet, judges whether the balance exceeds the upper limit of the arrearage, and sends a power-off instruction if the balance exceeds the upper limit of the arrearage. After the power-off instruction is sent, the main control unit periodically inquires the balance of the electronic wallet, and sends a power-on instruction after the balance of the electronic wallet does not exceed the defaulting upper limit.

After the user initiates the wallet recharging operation instruction, the DCEP payment module sends a recharging instruction to the bank. After the bank responds to the instruction, the DCEP payment module converts the deposit of the corresponding amount stored in the bank of the user into DCEP and stores the DCEP into the electronic wallet of the user.

After the user initiates the wallet recharging operation instruction, the DCEP payment module inquires the DCEP balance in the user electronic wallet, and responds to the request when the DCEP balance of the user meets the cash withdrawal requirement. Then, communication is established with the bank, and the DCEP payment module converts the DCEP stored in the electronic purse of the user into deposit in the equal bank account.

After the user initiates an operation instruction of balance inquiry, the main control unit requests balance information in the electronic wallet from the wallet management unit through the coin string interface.

As a further improvement of the invention, the first communication unit selects a data interface module adopting an RS-485 or Ethernet communication mode.

As a further improvement of the invention, the second communication unit selects a functional module supporting any one or more communication modes of 3G, 4G, 5G or Ethernet.

As a further improvement of the invention, the serial port of the coin adopts a data interface module based on NFC, Bluetooth, RS-485 or Ethernet communication modes.

As a further improvement of the invention, the electric energy meter is an intelligent electric energy meter, and the electric energy meter comprises an electric quantity metering unit, an electric charge calculating unit and a switch control unit. The electric quantity metering unit is used for counting the electric quantity used by the user in a single charging period and a total period. The electricity charge calculation unit is used for calculating the electricity charge metering result in the single charging period according to the electricity consumption of the user in the single charging period and by combining the local electricity price charging rule. And the electric charge metering result is sent to the DCEP control module. And the switch control unit receives a power-on instruction or a power-off instruction sent by the DCEP control module, and further switches on or switches the power circuit of the user.

As a further improvement of the invention, an interactive application is run in the interactive unit. The interaction unit is realized by adopting a peripheral connected with the main control unit in a wired mode, and the used peripheral comprises a display, a mouse and/or a keyboard. And/or the interaction unit is realized by adopting a peripheral which is in wireless connection with the main control unit, and the used peripheral is a mobile phone, a tablet personal computer or other terminals running interactive application programs.

As a further improvement of the invention, the method for locally settling the electricity fee on the electric energy meter transaction terminal comprises the following steps:

(1) when a single charging period is finished, an electric charge calculation unit in the electric energy meter calculates the current electric charge measurement result according to the electricity consumption in the single charging period counted by the electric quantity measurement unit; and then the electric energy meter sends an electric charge settlement instruction to the DCEP control module through the first communication unit.

(2) After receiving the electric charge settlement instruction, the DCEP control module analyzes the current electric charge metering result contained in the instruction by the main control unit, and then controls the DCEP SAM unit to deduct the corresponding DCEP balance from the electronic wallet in the DCEP payment module through the currency string interface.

(3) After the electricity charge settlement is finished, an operation instruction of power on-off management is triggered; the main control unit inquires the DCEP balance in the electronic wallet, judges whether the balance exceeds the upper limit of the arrearage, if so, a power-off instruction is sent out, and then a switch control unit in the electric energy meter cuts off a power supply circuit of a user;

(4) after the power-off instruction is executed, the main control unit periodically inquires the DCEP balance of the electronic wallet until the user recharges the electronic wallet in the DCEP payment module, and after the electronic wallet balance is lower than the upper limit of the arrearage, the main control unit sends out a power-on instruction, and then a switch control unit in the electric energy meter is used for switching on the power supply circuit of the user again.

As a further improvement of the invention, in the step (3), when the DCEP balance in the user electronic wallet is lower than the defaulting upper limit, the main control unit also sends a defaulting notice to the user to remind the user to charge and pay in time.

As a further improvement of the invention, on the electric energy meter transaction terminal, the wallet recharging method comprises the following steps:

the method comprises the following steps that (I) a user inputs a corresponding recharging request through an interaction unit, a main control unit generates a corresponding recharging instruction and sends the recharging instruction to a DCEP payment module through a coin serial port;

after receiving the recharging instruction, the DCEP payment module sends a recharging request to a background server of the bank through a second communication unit, the bank responds to the request and finishes transferring accounts, and a wallet management unit in the DCEP payment module automatically increases the DCEP balance of the electronic wallet with corresponding value according to the transfer amount;

and (III) after the balance in the electronic wallet is updated, the wallet is charged, and the DCEP payment module feeds back the charging result to the DCEP control module and displays the charging result to the user through the interaction unit.

As a further improvement of the invention, on the electric energy meter transaction terminal, the wallet presentation method comprises the following steps:

a user inputs a corresponding cash withdrawal request through an interaction unit, and a main control unit generates a corresponding cash withdrawal instruction and sends the corresponding cash withdrawal instruction to a DCEP payment module through a coin serial port;

(ii) after receiving the withdrawal instruction, the DCEP payment module immediately executes an electric charge settlement operation; inquiring the DCEP balance in the user electronic purse after settlement is finished, and responding to the cash withdrawal instruction of the user only when the balance of the user is more than the sum of the cash withdrawal request;

(iii) when the DCEP payment module responds to the cash withdrawal request, firstly, sending the cash withdrawal request to a background server of a bank through a second communication unit, and after the bank responds to the request and completes account transfer, automatically deducting the corresponding DCEP balance of the electronic wallet by a wallet management unit in the DCEP payment module according to the cash withdrawal amount;

and (iv) after the balance in the electronic wallet is updated, the wallet cashing is finished, and the DCEP payment module feeds back cashing results to the DCEP control module and displays the cashing results to the user through the interaction unit.

The technical scheme provided by the invention has the following beneficial effects:

the electric energy meter transaction terminal provided by the invention is arranged at the electric energy meter of the user side when in use, so that the local settlement of the electric charge, the real-time management of the account, the quick recharge and the cash withdrawal can be realized at the user side. The application of the device overcomes the defects of the traditional payment means among customers, banks and electric power companies, and realizes real-time fee deduction, online recharging and quick account arrival. And the characteristic of double off-line payment of DCEP can be utilized, the automatic settlement of the electric charge can be realized under the condition that the network cannot be effectively connected, and the real non-inductive service handling is realized.

The electric energy meter transaction terminal oil gas provided by the invention is suitable for independent electricity customers needing to be settled in a fee control mode, the customers can finish recharging and paying without leaving accounts, the recharging and zero waiting of electricity consumption is realized by a local electricity fee settlement rule, the direct settlement of the electricity fee between an electricity consumer and a power supply consumer is realized by an advanced payment idea, and the service perception of the main customer is practically optimized.

The electric energy meter transaction terminal can be used in cooperation with the existing intelligent electric meter to assemble an original currency transaction electric meter. And then support interactive operations such as local recharging, cash withdrawal, inquiry and the like through the electric energy meter; has the feasibility of batch production and processing and wide application prospect.

The electric energy meter transaction terminal provided by the invention is an Internet of things device with natural advantages, and is very suitable for the scenes of Internet of things and vigorous development of digital economy. A new DCEP-based method capable of realizing local real-time settlement and mobile Internet of things payment is explored. The system facilitates the payment of the user, shortens the payment time, reduces the labor cost of the business hall, is safe and reliable, and can greatly improve the user experience.

Drawings

Fig. 1 is a theoretical block diagram of an electric energy meter transaction terminal based on DCEP local internet of things payment in embodiment 1 of the present invention.

Fig. 2 is a schematic block diagram of an electric energy meter according to embodiment 1 of the present invention.

Fig. 3 is a system prototype topological diagram of an electric energy meter transaction terminal in an actual deployment state based on DCEP local internet of things payment in embodiment 1 of the present invention.

Fig. 4 is a flowchart illustrating steps of a power charge settlement scenario in embodiment 1 of the present invention. (the inner text part may need to be adjusted)

Fig. 5 is a flowchart of steps in a wallet recharging scenario in embodiment 1 of the present invention.

Fig. 6 is a flowchart of steps of a wallet presentation scenario in embodiment 1 of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

Example 1

The embodiment provides an electric energy meter transaction terminal based on DCEP local internet of things payment, which is applied to an electric energy meter and used for locally completing the charge processing service of an electric account of the electric energy meter through DCEP. As shown in fig. 1, the electric energy meter transaction terminal includes a DCEP control module and a DCEP payment module.

The DCEP control module comprises a main control unit, a first communication unit, a coin string interface, a DCEP SAM unit and an interaction unit. The main control unit is a central processing unit of the electric energy meter transaction terminal. The first communication unit is used for establishing communication between the main control unit and the electric energy meter. The interaction unit is a tool for interaction between the user and the main control unit; the currency string interface is a communication interface between the DCEP control module and a DCEP payment module. The DCEP SAM unit is a module for providing security authorization and hardware encryption, and is used for managing the transaction behavior of the DCEP payment module and providing security protection for the process of the transaction behavior.

In this embodiment, the first communication unit selects a data interface module using RS-485 or ethernet communication. The second communication unit selects a functional module supporting any one or more communication modes of 3G, 4G, 5G or Ethernet. And the coin serial port adopts a data interface module based on NFC, Bluetooth, RS-485 or Ethernet communication modes.

The electric energy meter applied to the electric energy meter transaction terminal provided in the embodiment is an intelligent electric meter. As shown in fig. 2, the electricity amount metering unit, the electricity rate calculating unit, and the switch control unit are integrated in the electric energy meter. The electric quantity metering unit is used for counting the electric quantity used by the user in a single charging period and a total period. The electricity charge calculation unit is used for calculating the electricity charge metering result in the single charging period according to the electricity consumption of the user in the single charging period and by combining the local electricity price charging rule. And the electric charge metering result is sent to the DCEP control module. And the switch control unit receives a power-on instruction or a power-off instruction sent by the DCEP control module, and further switches on or switches the power circuit of the user.

The interaction unit in this embodiment is actually an interaction device for a user to perform instruction operation or program management on the electric energy meter transaction terminal. The electric energy meter transaction terminal has the functions of wallet balance synchronization, power on-off management, electric charge settlement, wallet recharging, wallet cashing, balance inquiry and the like, and a user can monitor and operate and manage through the interaction unit.

In this embodiment, an interactive application program is run in the interactive unit, and an operator logs in a corresponding power consumption account through the interactive application program and then manages the power consumption account as needed. The interaction unit can be realized by adopting a peripheral connected with the main control unit in a wired mode, and the used peripheral comprises a display, a mouse and/or a keyboard. At the moment, the interactive unit is equivalent to a conventional household computer, and a user logs in the electricity utilization account through the computer and then executes various services such as payment, recharging, cash withdrawal and the like according to needs.

In addition, the interaction unit can also be realized by adopting a peripheral wirelessly connected with the main control unit. For example: the used peripheral equipment is a mobile phone, a tablet computer or other terminals running interactive application programs. In this case, the user logs in the corresponding account through the mobile phone, and then performs the related business operation.

For the above technical solutions, the present embodiment also deploys a system prototype for demonstrating the solution as shown in fig. 3. In a system prototype, a RS-485 interface is selected as a first communication unit between an electric energy meter and a DCEP control module; and the second communication module for communicating with the bank adopts a communication module based on a 4G mobile communication network. The coin string interface also adopts an RS-485 interface. Meanwhile, in order to facilitate the use of a user, an interaction unit connected with the DCEP control module adopts a conventional display screen and keyboard and mouse set. The DCEP payment module in the embodiment is integrated with a DCEP payment tool similar to a card reader, and can log in an electronic wallet of a user to support and complete related business operations such as expense settlement, recharging, cash withdrawal and the like; and automatically maintaining the account book information of the user. The DCEP payment module supports online payment of a user through terminals such as a mobile phone and the like, and also supports non-contact physical payment of the user through means such as NFC and the like.

In the system prototype of this embodiment, as shown in fig. 4, the method for local settlement of electricity charges is as follows, wherein a single charging period in this embodiment may be set by a user or an electric power company as required, and for different types of electricity accounts, a quarterly settlement, a monthly settlement, a daily settlement, or even a different hourly settlement may be adopted. Executing one charge settlement task at the arrival of each settlement period:

In step (3) of this embodiment, when the DCEP balance in the user electronic wallet is lower than the upper limit of the arrears, the main control unit further sends an arrear notification to the user to remind the user to charge and pay in time.

The specific arrearage limit allowed by the user can be scientifically set by the power company according to the type of the user (whether an industrial user or a residential user), credit, consumption capacity and the like. And when the balance in the electronic purse of the user is lower than the arrearage limit, the power failure is carried out on the user.

Of course, in order to reduce the influence on the production of the user, the electric energy meter transaction terminal of the embodiment may further set a buffer deadline. During the buffering period, even if the balance in the electronic purse of the user is insufficient, the power of the user is not cut off. But sends out related payment notice to the user to supervise and urge the user to pay as soon as possible. When the buffer period is exceeded and the balance in the electronic purse charged by the user is still insufficient, the power-off operation is carried out on the user.

Meanwhile, after the power of the user is cut off, the terminal needs to inquire the balance in the electronic wallet of the user again at intervals, and once the user carries out recharging operation, the normal power utilization of the user is recovered immediately. In practical application, the check period of the terminal for checking whether the user recharges should be as short as possible, so that the user can immediately obtain the permission of electricity utilization as long as the user finishes recharging the electricity fee.

In the system prototype of this embodiment, as shown in fig. 5, the method for recharging the wallet is as follows:

In the system prototype of the embodiment, as shown in fig. 6, the method for wallet cashing is as follows:

In this embodiment, in consideration of the characteristic of dual offline payment of DCEP, even if the user is in an offline state, the corresponding electricity fee settlement operation can be completed, and only the suspended charging or transfer operation needs to be executed after the network is recovered.

The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents and improvements made within the spirit and principle of the present invention are intended to be included within the scope of the present invention.

Claims

1. The electric energy meter transaction terminal based on DCEP local internet of things payment is characterized in that the electric energy meter transaction terminal is applied to an electric energy meter and completes the charge processing service of an electricity account locally on the electric energy meter through DCEP; the electric energy meter transaction terminal comprises:

the DCEP control module comprises a main control unit, a first communication unit, a coin string interface, a DCEP SAM unit and an interaction unit; the main control unit is a central processing unit of the electric energy meter transaction terminal; the first communication unit is used for establishing communication between the main control unit and the electric energy meter; the interaction unit is a tool for interaction between a user and the main control unit; the currency string interface is a communication interface between the DCEP control module and a DCEP payment module; the DCEP SAM unit is a module for providing security authorization and hardware encryption, and is used for managing the transaction behavior of the DCEP payment module and providing security protection for the process of the transaction behavior; and

the DCEP payment module comprises an electronic wallet, a wallet management unit and a second communication unit; the electronic wallet is a data storage unit, and the electronic wallet stores characteristic data representing DCEP balance pre-stored in a power consumption account by a user; the wallet management unit is used for logging in an account of an electronic wallet and managing the DCEP balance in the electronic wallet; the DCEP payment module is communicated with a background data center of a bank through the second communication unit;

tasks executed by the electric energy meter transaction terminal comprise wallet balance synchronization, power on-off management, electric charge settlement, wallet recharging, wallet cash withdrawal and balance inquiry; the wallet balance synchronization, the power on-off management and the electric charge settlement are operation instructions which are triggered by the terminal independently; the wallet recharging and the wallet cashing are operation instructions initiated by the user; the balance inquiry can be triggered by the terminal independently or initiated by the user;

the operating instruction of wallet balance synchronization is triggered when any one of the tasks of electric charge settlement, wallet recharging and wallet cashing is finished, and the electric energy meter transaction terminal automatically refreshes the DCEP balance in the electronic wallet when the operating instruction of wallet balance synchronization is triggered;

when the operation instruction of the electric charge settlement is triggered, the main control unit in the electric energy meter transaction terminal controls the wallet management unit to deduct and mark the DCEP balance in the electronic wallet through the coin serial port;

the method comprises the steps that an operation instruction of power on-off management is triggered after an electric charge settlement task is executed, when the operation instruction of the power on-off management is triggered, a main control unit inquires balance in an electronic wallet and judges whether the balance exceeds an upper limit of arrearage, and if yes, a power-off instruction is sent out; after the power-off instruction is sent, the main control unit periodically inquires the balance of the electronic wallet, and sends a power-on instruction after the balance of the electronic wallet does not exceed the upper limit of the arrearage;

after the user initiates an operation instruction of wallet recharging, the DCEP payment module sends a recharging instruction to the bank, and after the bank responds to the instruction, the DCEP payment module converts the deposit of the corresponding amount of money stored in the bank of the user into DCEP balance and stores the DCEP balance into the electronic wallet of the user;

after the user initiates a wallet recharging operation instruction, the DCEP payment module inquires the DCEP balance in the user electronic wallet, and responds to the request when the DCEP balance of the user meets the cash withdrawal requirement; then establishing communication with a bank, and converting the DCEP balance stored in the electronic purse of the user into deposit in an equal bank account by the DCEP payment module;

2. The DCEP local internet of things based payment electric energy meter transaction terminal of claim 1, wherein: the first communication unit selects a data interface module adopting an RS-485 or Ethernet communication mode.

3. The DCEP local internet of things based payment electric energy meter transaction terminal of claim 1, wherein: the second communication unit selects a functional module supporting any one or more communication modes of 3G, 4G, 5G or Ethernet.

4. The DCEP local internet of things based payment electric energy meter transaction terminal of claim 1, wherein: and the coin serial port selects a data interface module based on NFC, Bluetooth, RS-485 or Ethernet communication modes.

5. The DCEP local internet of things based payment electric energy meter transaction terminal of claim 1, wherein: the electric energy meter is an intelligent electric meter and comprises an electric quantity metering unit, an electric charge calculating unit and a switch control unit; the electric quantity metering unit is used for counting the electric quantity used by the user in a single charging period and a total period; the electricity charge calculation unit is used for calculating an electricity charge metering result in a single charging period by combining a local electricity price charging rule according to the electricity consumption of a user in the single charging period; the electric charge metering result is sent to a DCEP control module; and the switch control unit receives a power-on instruction or a power-off instruction sent by the DCEP control module, and further switches on or switches a power circuit of a user.

6. An electric energy meter transaction terminal based on DCEP local internet of things payment as claimed in claim 5, wherein: an interactive application program runs in the interactive unit; the interaction unit is realized by adopting a peripheral connected with the main control unit in a wired manner, and the used peripheral comprises a display, a mouse and/or a keyboard; and/or the interaction unit is realized by adopting a peripheral which is in wireless connection with the main control unit, and the used peripheral is a mobile phone, a tablet personal computer or other terminals running the interaction application program.

7. An electric energy meter transaction terminal based on DCEP local internet of things payment as claimed in claim 5, wherein: the method for locally settling the electricity fee on the electric energy meter transaction terminal comprises the following steps:

(1) when a single charging period is finished, an electric charge calculation unit in the electric energy meter calculates the current electric charge measurement result according to the electricity consumption in the single charging period counted by the electric quantity measurement unit; then the electric energy meter sends an electric charge settlement instruction to the DCEP control module through the first communication unit;

(2) after receiving the electric charge settlement instruction, the DCEP control module analyzes the current electric charge metering result contained in the instruction by the main control unit and then controls the DCEP SAM unit to draw and deduct the corresponding DCEP balance from the electronic wallet in the DCEP payment module through the currency string interface;

8. An electric energy meter transaction terminal based on DCEP local internet of things payment as claimed in claim 7, wherein: and (3) when the DCEP balance in the electronic wallet of the user is lower than the defaulting upper limit, the main control unit also sends a defaulting notice to the user to remind the user to recharge and pay in time.

9. An electric energy meter transaction terminal based on DCEP local internet of things payment as claimed in claim 5, wherein: on the electric energy meter transaction terminal, a wallet recharging method comprises the following steps:

10. An electric energy meter transaction terminal based on DCEP local internet of things payment as claimed in claim 5, wherein: on the electric energy meter transaction terminal, the wallet cashing method comprises the following steps: