CN114119283A - Intelligent electric charge collecting method, system, storage medium and equipment - Google Patents
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Abstract
The invention relates to the technical field of electric power system electric charge management, in particular to an intelligent electric charge collection method, an intelligent electric charge collection system, a storage medium and intelligent electric charge collection equipment, wherein the system comprises a server, and the server comprises: a data acquisition module: the system comprises a data acquisition module, a data processing module and a data processing module, wherein the data acquisition module is used for acquiring user data and acquiring historical electric charge payment data of a user according to the user data; a credit rating module: for credit rating; a payment time limit adjusting module: a setting time limit for adjusting the pre-paid electricity rate according to the assessed credit rating; the electricity utilization prediction module: the system is used for predicting the electricity consumption according to the set time limit and the user data and calculating and predicting the electricity charge to be paid according to the predicted electricity consumption; a payment module: the system is used for calculating the current electricity charge to be paid; and the payment risk management module is used for adjusting the time of the electric charge payment according to the asset analysis of the user. The invention solves the problems that resources are wasted and good management of power grid operation is not facilitated due to the fact that a user needs to spend high cost for payment prompting after defaulting at present.
Description
Technical Field
The invention relates to the technical field of electric power system electric charge management, in particular to an intelligent electric charge collection method, an intelligent electric charge collection system, a storage medium and intelligent electric charge collection equipment.
Background
The electricity charge is the electricity charge. Is the cost generated by the electric energy and the electric quantity consumed by a company, a unit and an individual in a certain time. Generally, the settlement is carried out monthly, and according to the used electric quantity, a user pays the electricity fee to a power supply enterprise in a specified period, namely, the electricity is used first and then the fee is paid. However, electricity is also a commodity, and it is a fair trading principle between a buyer and a seller that charges electricity first and then actually. In real life, for the convenience of power utilization of users, the power utilization is usually carried out before payment, and the risk is borne by power supply enterprises. However, many users have the condition of arrears of the electric charge, which causes the risk to become actual loss, so that power supply enterprises need to invest a large amount of manpower and material resources to pay for the electric charge every year, and the manner of paying for the electric charge after the users are arrears wastes the resources and is not beneficial to the good management of the operation of the power grid.
Disclosure of Invention
One of the objectives of the present invention is to provide an intelligent electric charge collecting and paying system, which solves the problems of resource waste and unfavorable good management of power grid operation after the user owes the electric charge.
In order to achieve the above object, an intelligent electric charge collecting and paying system is provided, which comprises a server, wherein the server comprises:
a data acquisition module: the system comprises a data acquisition module, a data processing module and a data processing module, wherein the data acquisition module is used for acquiring user data and acquiring historical electric charge payment data of a user according to the user data;
a credit rating module: the system is used for carrying out credit rating on the user according to historical electric charge payment data;
a payment time limit adjusting module: a setting time limit for adjusting the pre-paid electricity rate according to the assessed credit rating;
the electricity utilization prediction module: the system is used for predicting the electricity consumption according to the set time limit and the user data and calculating and predicting the electricity charge to be paid according to the predicted electricity consumption;
a payment module: the system comprises a power consumption management module, a power consumption management module and a power consumption management module, wherein the power consumption management module is used for acquiring the current power consumption of a user and calculating the current electricity charge to be paid in real time according to the current time;
a payment risk management module: the system comprises a data acquisition module, a data processing module and a data processing module, wherein the data processing module is used for evaluating the highest electricity charge to be paid according to the credit rating and acquiring asset data of a user according to user data when the highest electricity charge to be paid is less than the predicted electricity charge to be paid; the system is also used for analyzing the clean asset data of the user according to the asset data, and when the clean asset data is negative, acquiring the electric charge to be paid from the payment module and sending the electric charge to be paid to the user; and when the net asset data is positive, acquiring the current electric charge to be paid from the payment module in a set time limit, and sending the current electric charge to be paid to the user.
The principle and the advantages are as follows:
1. the system comprises a credit rating evaluation module and a payment time limit adjusting module, wherein the credit rating evaluation module is used for evaluating the credit rating of a user according to historical electric charge payment data, if the user pays the electric charge on time within a specified time limit, the credit rating is high, if the user does not pay the electric charge on time within the specified time limit, delayed payment or non-payment exists, and the credit rating is low. The payment time limit adjusting module can adjust the set time limit of the pre-paid electric charge according to the assessed credit level, for example, the set time limit of the pre-paid electric charge of a user with a high credit level can be adjusted backwards, so that the fund transfer of the user such as an enterprise is facilitated, and because the credit level of the user is high, the probability that a power supply enterprise can receive the electric charge on time is high, the risk is low, and the payment is not required to be urged at a high cost. The set time limit of the pre-paid electric charge of the user with the credit level is adjusted forward, so that the power supply enterprise can conveniently receive the electric charge in time and early, and the risk problem caused by the arrearage of the user is reduced.
2. The electricity utilization prediction module predicts electricity consumption according to a set time limit and user data so as to calculate and predict the electricity fee to be paid. The electric charge to be paid can be predicted to know how much the user runs short of the electric charge in the set time period. The credit rating can evaluate the highest electricity charge to be paid, namely, the highest electricity charge to be paid is high for the user with the high credit rating, which means that the power supply enterprise can accept the highest electricity charge owed by the user. And the user with low credit grade has low highest electricity charge to be paid, and the risk correspondingly born by the power supply enterprise is low.
When the highest electricity fee to be paid is less than the predicted electricity fee to be paid, the power supply enterprise can bear greater risk and later-stage payment urging cost, so that the data acquisition module acquires the asset data of the user according to the user data, analyzes the net asset data of the user according to the asset data, shows that the user cannot pay debt when the net asset data is negative, acquires the electricity fee to be paid before from the payment module, sends the electricity fee to be paid before to the user, and allows the user to pay the electricity fee as soon as possible, thereby reducing the risk of the power supply enterprise. When the net asset data is positive, the fact that the user has enough assets to pay the debts is indicated, then the current electric charge to be paid is obtained from the payment module within the set time limit, and the current electric charge to be paid is sent to the user. Therefore, the problem that at present, after a user owes fees, excessive time cost and labor cost are wasted to urge to pay the electric fees, and good management of operation of the power grid is not facilitated is solved.
Further, the credit rating module includes the following sub-modules:
and a payment timeliness analysis submodule: the system comprises a payment module, a power consumption module and a data processing module, wherein the payment module is used for acquiring the actual time of the user for paying the power consumption from the historical power consumption payment data and acquiring the sending time of the current power consumption to be paid to the user by the payment module; analyzing the timeliness of the user for paying the electric charge according to the actual time and the sending time;
credit rating analysis submodule: and the system is used for analyzing and evaluating the credit level of the user according to the timeliness of the user for paying the electric charge.
The payment timeliness analysis submodule is arranged, when the actual time of the user for paying the electric charge exceeds the regulated period, the user is indicated to fail to pay in time, and the timeliness is low; when the user pays the electricity in the specified time limit, the user pays the electricity in time, and the timeliness is high. After the timeliness of the user is analyzed, the credit grade of the user is analyzed and evaluated by the credit grade analysis submodule, so that the arrangement of electric charge payment promotion of the user can be conveniently planned according to the credit grade, the risk of a power supply enterprise is further reduced, and good management of operation of a power grid is facilitated.
Further, the credit rating module further comprises the following sub-modules:
and a payment completion degree analysis submodule: the system comprises a data processing module, a data processing module and a data processing module, wherein the data processing module is used for acquiring the actual payment electric charge of a user from historical electric charge payment data and acquiring the current to-be-paid electric charge sent to the user by the payment module; analyzing the payment completion degree of the user according to the actual payment electric charge and the current electric charge to be paid;
credit rating analysis submodule: and the system is used for setting a corresponding weight index to analyze and evaluate the credit level of the user according to the timeliness and payment completion degree of the electric charge paid by the user.
The payment completion degree analysis sub-module is arranged, particularly for enterprise users with high power consumption, such as steel plants, which have high power consumption and high electricity charges, and user enterprises can have the problem of difficult fund turnover, cannot pay all the electricity charges at one time, only pays one part of the electricity charges, and the payment completion degree is calculated according to the part of the electricity charges paid and the total electricity charges to be paid. The lower the electric charge is paid, the lower the payment completion degree is, and the more the payment is made, the higher the payment completion degree is. And the credit grade analysis submodule can set a corresponding weight index to analyze and evaluate the credit grade of the user according to the timeliness and payment completion degree of the user for paying the electric charge, so that the credit grade of the user can be evaluated better conveniently, and accurate data support can be provided for reducing the payment risk subsequently.
Further, the credit rating module further comprises the following sub-modules:
and a delayed payment time analysis submodule: the system comprises a payment and timeliness analysis submodule, a payment completion analysis submodule and a payment processing submodule, wherein the payment and timeliness analysis submodule is used for analyzing the first payment times of timely payment of a user according to the timeliness of the payment and timeliness analysis submodule and analyzing the second payment times of full payment of the user according to the payment completion degree of the payment completion degree analysis submodule;
credit rating analysis submodule: and the system is used for setting corresponding weight indexes to analyze and evaluate the credit level of the user according to the timeliness and payment completion degree of the electric charge paid by the user, the first payment times and the second payment times.
The delayed payment time analysis submodule is arranged to analyze the first payment time of timely payment of the user according to the timeliness of the payment and timeliness analysis submodule and analyze the second payment time of full payment of the user according to the payment completion degree of the payment completion degree analysis submodule. The credit rating of the user is analyzed and evaluated by setting the corresponding weight index according to the timeliness and the payment completion degree of the user for paying the electric charge, the first payment times and the second payment times, so that the credit rating of the user is conveniently and better evaluated, and accurate data support is conveniently provided for the subsequent reduction of the payment risk.
The second objective of the present invention is to provide an intelligent electric charge payment method, which is applied to the above system, and specifically comprises the following steps:
a data acquisition step: acquiring user data, and acquiring historical electric charge payment data of a user according to the user data;
a credit rating step: carrying out credit rating on the user according to the historical electric charge payment data;
adjusting the payment time limit: adjusting the set time limit of the pre-paid electricity fee according to the assessed credit rating;
and power utilization prediction step: predicting the electricity consumption according to the set time limit and the user data, and calculating and predicting the electricity charge to be paid according to the predicted electricity consumption;
a payment step: acquiring the current electricity consumption of a user, and calculating the current electricity charge to be paid in real time according to the current time;
and (3) payment risk management: evaluating the highest electricity charge to be paid according to the credit rating, and acquiring asset data of a user according to the user data through a data acquisition module when the highest electricity charge to be paid is less than the predicted electricity charge to be paid; analyzing the clean asset data of the user according to the asset data, and when the clean asset data is negative, acquiring the electric charge to be paid from the payment module and sending the electric charge to be paid to the user; and when the net asset data is positive, acquiring the current electric charge to be paid from the payment module in a set time limit, and sending the current electric charge to be paid to the user.
1. The method comprises a credit rating step and a payment time limit adjusting step, wherein the credit rating step evaluates the credit rating of a user according to historical electric charge payment data, if the user pays the electric charge on time within a specified time limit, the credit rating is high, if the user does not pay the electric charge on time within the specified time limit, delayed payment or no payment exists, the credit rating is low. The payment time limit adjusting step can adjust the set time limit of the pre-paid electric charge according to the assessed credit level, for example, the set time limit of the pre-paid electric charge of a user with a high credit level can be adjusted backwards, so that the fund transfer of the user such as an enterprise is facilitated, and because the credit level of the user is high, the probability that a power supply enterprise can receive the electric charge on time is high, the risk is low, and the payment is not required to be urged at high cost. The set time limit of the pre-paid electric charge of the user with the credit level is adjusted forward, so that the power supply enterprise can conveniently receive the electric charge in time and early, and the risk problem caused by the arrearage of the user is reduced.
2. And the electricity utilization predicting step, the payment step and the payment risk management step are arranged, wherein the electricity utilization predicting module predicts electricity consumption according to a set time limit and user data so as to calculate and predict the electricity fee to be paid. The electric charge to be paid can be predicted to know how much the user runs short of the electric charge in the set time period. The credit rating can evaluate the highest electricity charge to be paid, namely, the highest electricity charge to be paid is high for the user with the high credit rating, which means that the power supply enterprise can accept the highest electricity charge owed by the user. And the user with low credit grade has low highest electricity charge to be paid, and the risk correspondingly born by the power supply enterprise is low.
When the highest electricity fee to be paid is less than the predicted electricity fee to be paid, the power supply enterprise can bear greater risk and later-stage payment urging cost, so that the asset data of the user is acquired according to the user data through the data acquisition step, the net asset data of the user is analyzed according to the asset data, when the net asset data is negative, the user is indicated that the user cannot pay debt, the electricity fee to be paid before is acquired from the payment step, the electricity fee to be paid before is sent to the user, and the user can pay the electricity fee as soon as possible, so that the risk of the power supply enterprise is reduced. And when the net asset data is positive, the fact that the user has enough assets to pay the debts is indicated, then the current electric charge to be paid is obtained from the payment step within the set time limit, and the current electric charge to be paid is sent to the user. Therefore, the problem that at present, after a user owes fees, excessive time cost and labor cost are wasted to urge to pay the electric fees, and good management of operation of the power grid is not facilitated is solved.
Further, the credit rating step comprises the sub-steps of:
and the sub-step of payment and timeliness analysis: acquiring actual time of the user for paying the electric charge from the historical electric charge payment data and acquiring sending time of the current electric charge to be paid to the user in the payment step; analyzing the timeliness of the user for paying the electric charge according to the actual time and the sending time;
credit rating analysis substep: and analyzing and evaluating the credit level of the user according to the timeliness of the user for paying the electric charge.
The setting of the payment and timeliness analysis substep shows that when the actual time of the user for paying the electric charge exceeds the regulated period, the user fails to pay in time, and the timeliness is low; when the user pays the electricity in the specified time limit, the user pays the electricity in time, and the timeliness is high. After the timeliness of the user is analyzed, the credit grade of the user is analyzed and evaluated through the credit grade analysis sub-step, so that the arrangement of electric charge payment promotion of the user can be conveniently planned according to the credit grade, the risk of a power supply enterprise is further reduced, and good management of operation of a power grid is facilitated.
Further, the credit rating step further comprises the sub-steps of:
and a payment completion degree analysis substep: acquiring actual payment electric charge of a user from historical electric charge payment data and acquiring current to-be-paid electric charge sent to the user in payment; analyzing the payment completion degree of the user according to the actual payment electric charge and the current electric charge to be paid;
credit rating analysis substep: and setting a corresponding weight index to analyze and evaluate the credit level of the user according to the timeliness and payment completion of the electric charge paid by the user.
And (3) the payment completion degree analysis substep is set, particularly enterprise users with high power consumption, such as steel plants, have high power consumption and high electricity fee, and user enterprises can have the problem of difficult fund turnover, cannot pay all the electricity fee at one time and only pay one part of the electricity fee, and the payment completion degree is calculated according to the part of the electricity fee paid and the total electricity fee to be paid. The lower the electric charge is paid, the lower the payment completion degree is, and the more the payment is made, the higher the payment completion degree is. And the credit grade analysis sub-step can analyze and evaluate the credit grade of the user according to the timeliness and payment completion degree of the user for paying the electric charge and the corresponding weight index, so that the credit grade of the user can be conveniently and better evaluated, and accurate data support can be conveniently provided for the subsequent reduction of payment risks.
Further, the credit rating step further comprises the sub-steps of:
and a delay payment time analysis substep: analyzing a first payment time of timely payment of the user according to the timeliness degree in the payment and timeliness degree analysis sub-step, and analyzing a second payment time of full payment of the user according to the payment completion degree in the payment completion degree analysis sub-step;
credit rating analysis substep: and setting corresponding weight indexes to analyze and evaluate the credit rating of the user according to the timeliness and payment completion degree of the user for paying the electric charge, the first payment times and the second payment times.
The arrangement of the delayed payment time analysis sub-step can analyze the first payment time of timely payment of the user according to the timeliness of the payment and timeliness analysis sub-step and analyze the second payment time of full payment of the user according to the payment completion degree of the payment completion degree analysis sub-step. The credit rating of the user is analyzed and evaluated by setting the corresponding weight index according to the timeliness and the payment completion degree of the user for paying the electric charge, the first payment times and the second payment times, so that the credit rating of the user is conveniently and better evaluated, and accurate data support is conveniently provided for the subsequent reduction of the payment risk.
It is a further object of the present invention to provide a computer device, which includes a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the intelligent electric charge payment method when executing the computer program.
The fourth objective of the present invention is to provide a computer-readable storage medium, wherein the computer-readable storage medium includes an intelligent electric charge collecting and paying program, and when the intelligent electric charge collecting and paying program is executed by a processor, the steps of the intelligent electric charge collecting and paying method are implemented.
Drawings
Fig. 1 is a logic block diagram of an intelligent electric charge collecting and paying system according to an embodiment of the present invention.
Detailed Description
The following is further detailed by way of specific embodiments:
examples
An intelligent electric charge collecting system is basically as shown in the attached figure 1: the user side carries the APP to be in remote communication connection with the server, is used for receiving payment notification sent by the server, and is convenient for the user to pay electric charges in time according to the payment notification. The server may receive authorization information from the user side, where the authorization information indicates that the server may obtain the asset data of the user from a bank or other third party platform. The server includes:
a database: the system is used for storing historical electric charge payment data of a user;
a data acquisition module: the system comprises a data acquisition module, a data processing module and a data processing module, wherein the data acquisition module is used for acquiring user data and acquiring historical electric charge payment data of a user according to the user data;
a credit rating module: the system is used for carrying out credit rating on the user according to historical electric charge payment data; the credit rating module comprises the following sub-modules:
and a payment timeliness analysis submodule: the system comprises a payment module, a power consumption module and a data processing module, wherein the payment module is used for acquiring the actual time of the user for paying the power consumption from the historical power consumption payment data and acquiring the sending time of the current power consumption to be paid to the user by the payment module; analyzing the timeliness of the user for paying the electric charge according to the actual time and the sending time;
and a payment completion degree analysis submodule: the system comprises a data processing module, a data processing module and a data processing module, wherein the data processing module is used for acquiring the actual payment electric charge of a user from historical electric charge payment data and acquiring the current to-be-paid electric charge sent to the user by the payment module; analyzing the payment completion degree of the user according to the actual payment electric charge and the current electric charge to be paid;
and a delayed payment time analysis submodule: the system comprises a payment and timeliness analysis submodule, a payment completion analysis submodule and a payment processing submodule, wherein the payment and timeliness analysis submodule is used for analyzing the first payment times of timely payment of a user according to the timeliness of the payment and timeliness analysis submodule and analyzing the second payment times of full payment of the user according to the payment completion degree of the payment completion degree analysis submodule;
credit rating analysis submodule: and the system is used for setting corresponding weight indexes to analyze and evaluate the credit level of the user according to the timeliness and payment completion degree of the electric charge paid by the user, the first payment times and the second payment times.
In the present embodiment, the calculation formula of the credit rating is as follows:
S＝A*0.3+B*0.3-C*0.2-D*0.2；
the system comprises a user, a payment completion degree score, a credit level score, a payment time score, a payment completion degree score, a payment time score, a payment completion degree score and a payment time score, wherein S is a credit level score, A is the timeliness score of the user for paying the electric charge (the timeliness score is the product of a fixed value score X and a timeliness a), B is the payment completion degree score (the payment completion degree score is the product of a fixed value score Y and a payment completion degree B), C is a first payment time score (the first payment time score is the product of a fixed value score Z and a first payment time C), and D is a second payment time score (the second payment time score is the product of a fixed value score W and a second payment time D). After the credit grade score S is obtained, the credit grade can be obtained by dividing according to the grade interval divided in advance.
A payment time limit adjusting module: the time limit setting device is used for adjusting the set time limit of the pre-paid electric charge according to the assessed credit rating;
the electricity utilization prediction module: the system is used for predicting the electricity consumption according to the set time limit and the user data and calculating and predicting the electricity charge to be paid according to the predicted electricity consumption;
a payment module: the system comprises a power consumption management module, a power consumption management module and a power consumption management module, wherein the power consumption management module is used for acquiring the current power consumption of a user and calculating the current electricity charge to be paid in real time according to the current time;
a payment risk management module: the system comprises a data acquisition module, a data processing module and a data processing module, wherein the data processing module is used for evaluating the highest electricity charge to be paid according to the credit rating and acquiring asset data of a user according to user data when the highest electricity charge to be paid is less than the predicted electricity charge to be paid; the system is also used for analyzing the clean asset data of the user according to the asset data, and when the clean asset data is negative, acquiring the electric charge to be paid from the payment module and sending the electric charge to be paid to the user; and when the net asset data is positive, acquiring the current electric charge to be paid from the payment module in a set time limit, and sending the current electric charge to be paid to the user.
An intelligent electric charge collecting and paying method is applied to the system and comprises the following steps:
a data acquisition step: acquiring user data, and acquiring historical electric charge payment data of a user according to the user data;
a credit rating step: carrying out credit rating on the user according to the historical electric charge payment data; the credit rating step comprises the sub-steps of:
and the sub-step of payment and timeliness analysis: acquiring actual time of the user for paying the electric charge from the historical electric charge payment data and acquiring sending time of the current electric charge to be paid to the user in the payment step; analyzing the timeliness of the user for paying the electric charge according to the actual time and the sending time;
and a payment completion degree analysis substep: acquiring actual payment electric charge of a user from historical electric charge payment data and acquiring current to-be-paid electric charge sent to the user in payment; analyzing the payment completion degree of the user according to the actual payment electric charge and the current electric charge to be paid;
and a delay payment time analysis substep: analyzing a first payment time of timely payment of the user according to the timeliness degree in the payment and timeliness degree analysis sub-step, and analyzing a second payment time of full payment of the user according to the payment completion degree in the payment completion degree analysis sub-step;
credit rating analysis substep: and setting corresponding weight indexes to analyze and evaluate the credit rating of the user according to the timeliness and payment completion degree of the user for paying the electric charge, the first payment times and the second payment times.
Adjusting the payment time limit: adjusting the set time limit of the pre-paid electric charge according to the assessed credit rating;
and power utilization prediction step: predicting the electricity consumption according to the set time limit and the user data, and calculating and predicting the electricity charge to be paid according to the predicted electricity consumption;
a payment step: acquiring the current electricity consumption of a user, and calculating the current electricity charge to be paid in real time according to the current time;
and (3) payment risk management: evaluating the highest electricity charge to be paid according to the credit rating, and acquiring asset data of a user according to the user data through a data acquisition module when the highest electricity charge to be paid is less than the predicted electricity charge to be paid; analyzing the clean asset data of the user according to the asset data, and when the clean asset data is negative, acquiring the electric charge to be paid from the payment module and sending the electric charge to be paid to the user; and when the net asset data is positive, acquiring the current electric charge to be paid from the payment module in a set time limit, and sending the current electric charge to be paid to the user.
A computer device comprises a memory, a processor and a computer program which is stored in the memory and can run on the processor, wherein the processor executes the computer program to realize the steps of the intelligent electric charge payment method.
The computer device comprises a processor, a memory, a network interface, an input device and a display screen which are connected through a system bus. Wherein the memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the computer device stores an operating system and also stores a computer program, and when the computer program is executed by the processor, the processor can realize the intelligent electric charge payment method. The internal memory can also store a computer program, and when the computer program is executed by the processor, the processor can execute the intelligent electric charge payment method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like. Those skilled in the art will appreciate that the above-described arrangements are merely part of the arrangements associated with the present application and do not constitute a limitation on the computing devices to which the present application may be applied, and that a particular computing device may comprise more or less elements than those shown, or some of the elements may be combined, or have a different arrangement of elements.
A computer readable storage medium comprises an intelligent electric charge payment program, and when the intelligent electric charge payment program is executed by a processor, the steps in the intelligent electric charge payment method are realized.
It will be understood by those skilled in the art that all or part of the processes of the method for implementing the intelligent electric charge collecting and paying method described above may be implemented by a computer program instructing related hardware, where the program may be stored in a non-volatile computer-readable storage medium, and when executed, the program may include the processes of the above-mentioned embodiments of the intelligent electric charge collecting and paying method. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
The foregoing is merely an example of the present invention, and common general knowledge in the field of known specific structures and characteristics is described herein in more detail, so that a person of ordinary skill in the art can understand all the prior art in the field and have the ability to apply routine experimentation before the present date, after knowing that all the common general knowledge in the field of the invention before the application date or the priority date of the invention, and the person of ordinary skill in the art can, in light of the teaching provided herein, combine his or her own abilities to complete and implement the present invention, and some typical known structures or known methods should not become an obstacle to the implementation of the present invention. It should be noted that, for those skilled in the art, without departing from the structure of the present invention, several changes and modifications can be made, which should also be regarded as the protection scope of the present invention, and these will not affect the effect of the implementation of the present invention and the practicability of the patent. The scope of the claims of the present application shall be determined by the contents of the claims, and the description of the embodiments and the like in the specification shall be used to explain the contents of the claims.
Claims (10)
1. Intelligent charges of electricity system of collecting, its characterized in that: comprising a server, said server comprising:
a data acquisition module: the system comprises a data acquisition module, a data processing module and a data processing module, wherein the data acquisition module is used for acquiring user data and acquiring historical electric charge payment data of a user according to the user data;
a credit rating module: the system is used for carrying out credit rating on the user according to historical electric charge payment data;
a payment time limit adjusting module: a setting time limit for adjusting the pre-paid electricity rate according to the assessed credit rating;
the electricity utilization prediction module: the system is used for predicting the electricity consumption according to the set time limit and the user data and calculating and predicting the electricity charge to be paid according to the predicted electricity consumption;
a payment module: the system comprises a power consumption management module, a power consumption management module and a power consumption management module, wherein the power consumption management module is used for acquiring the current power consumption of a user and calculating the current electricity charge to be paid in real time according to the current time;
a payment risk management module: the system comprises a data acquisition module, a data processing module and a data processing module, wherein the data processing module is used for evaluating the highest electricity charge to be paid according to the credit rating and acquiring asset data of a user according to user data when the highest electricity charge to be paid is less than the predicted electricity charge to be paid; the system is also used for analyzing the clean asset data of the user according to the asset data, and when the clean asset data is negative, acquiring the electric charge to be paid from the payment module and sending the electric charge to be paid to the user; and when the net asset data is positive, acquiring the current electric charge to be paid from the payment module in a set time limit, and sending the current electric charge to be paid to the user.
2. The intelligent electric charge collecting system according to claim 1, wherein: the credit rating module comprises the following sub-modules:
and a payment timeliness analysis submodule: the system comprises a payment module, a power consumption module and a data processing module, wherein the payment module is used for acquiring the actual time of the user for paying the power consumption from the historical power consumption payment data and acquiring the sending time of the current power consumption to be paid to the user by the payment module; analyzing the timeliness of the user for paying the electric charge according to the actual time and the sending time;
credit rating analysis submodule: and the system is used for analyzing and evaluating the credit level of the user according to the timeliness of the user for paying the electric charge.
3. The intelligent electric charge collecting system according to claim 2, wherein: the credit rating module further comprises the following sub-modules:
and a payment completion degree analysis submodule: the system comprises a data processing module, a data processing module and a data processing module, wherein the data processing module is used for acquiring the actual payment electric charge of a user from historical electric charge payment data and acquiring the current to-be-paid electric charge sent to the user by the payment module; analyzing the payment completion degree of the user according to the actual payment electric charge and the current electric charge to be paid;
credit rating analysis submodule: and the system is used for setting a corresponding weight index to analyze and evaluate the credit level of the user according to the timeliness and payment completion degree of the electric charge paid by the user.
4. The intelligent electric charge collecting system according to claim 3, wherein: the credit rating module further comprises the following sub-modules:
and a delayed payment time analysis submodule: the system comprises a payment and timeliness analysis submodule, a payment completion analysis submodule and a payment processing submodule, wherein the payment and timeliness analysis submodule is used for analyzing the first payment times of timely payment of a user according to the timeliness of the payment and timeliness analysis submodule and analyzing the second payment times of full payment of the user according to the payment completion degree of the payment completion degree analysis submodule;
credit rating analysis submodule: and the system is used for setting corresponding weight indexes to analyze and evaluate the credit level of the user according to the timeliness and payment completion degree of the electric charge paid by the user, the first payment times and the second payment times.
5. The intelligent electric charge collection method is characterized by comprising the following steps:
a data acquisition step: acquiring user data, and acquiring historical electric charge payment data of a user according to the user data;
a credit rating step: carrying out credit rating on the user according to the historical electric charge payment data;
adjusting the payment time limit: adjusting the set time limit of the pre-paid electricity fee according to the assessed credit rating;
and power utilization prediction step: predicting the electricity consumption according to the set time limit and the user data, and calculating and predicting the electricity charge to be paid according to the predicted electricity consumption;
a payment step: acquiring the current electricity consumption of a user, and calculating the current electricity charge to be paid in real time according to the current time;
and (3) payment risk management: evaluating the highest electricity charge to be paid according to the credit rating, and acquiring asset data of a user according to the user data through a data acquisition module when the highest electricity charge to be paid is less than the predicted electricity charge to be paid; analyzing the clean asset data of the user according to the asset data, and when the clean asset data is negative, acquiring the electric charge to be paid from the payment module and sending the electric charge to be paid to the user; and when the net asset data is positive, acquiring the current electric charge to be paid from the payment module in a set time limit, and sending the current electric charge to be paid to the user.
6. The intelligent electric charge payment method according to claim 5, wherein: the credit rating step comprises the sub-steps of:
and the sub-step of payment and timeliness analysis: acquiring actual time of the user for paying the electric charge from the historical electric charge payment data and acquiring sending time of the current electric charge to be paid to the user in the payment step; analyzing the timeliness of the user for paying the electric charge according to the actual time and the sending time;
credit rating analysis substep: and analyzing and evaluating the credit level of the user according to the timeliness of the user for paying the electric charge.
7. The intelligent electric charge payment method according to claim 6, wherein: the credit rating step further comprises the sub-steps of:
and a payment completion degree analysis substep: acquiring actual payment electric charge of a user from historical electric charge payment data and acquiring current to-be-paid electric charge sent to the user in payment; analyzing the payment completion degree of the user according to the actual payment electric charge and the current electric charge to be paid;
credit rating analysis substep: and setting a corresponding weight index to analyze and evaluate the credit level of the user according to the timeliness and payment completion of the electric charge paid by the user.
8. The intelligent electric charge payment method according to claim 7, wherein: the credit rating step further comprises the sub-steps of:
and a delay payment time analysis substep: analyzing a first payment time of timely payment of the user according to the timeliness degree in the payment and timeliness degree analysis sub-step, and analyzing a second payment time of full payment of the user according to the payment completion degree in the payment completion degree analysis sub-step;
credit rating analysis substep: and setting corresponding weight indexes to analyze and evaluate the credit rating of the user according to the timeliness and payment completion degree of the user for paying the electric charge, the first payment times and the second payment times.
9. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the intelligent electric charge payment method according to any one of claims 5 to 8 when executing the computer program.
10. A computer-readable storage medium characterized by: the computer readable storage medium includes an intelligent electric charge collecting program, and when the intelligent electric charge collecting program is executed by the processor, the steps of the intelligent electric charge collecting method according to any one of claims 5 to 8 are implemented.
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115130928A (en) * | 2022-08-26 | 2022-09-30 | 山东龙普太阳能股份有限公司 | Solar charging management system and method |
| CN116050946A (en) * | 2023-03-29 | 2023-05-02 | 东莞先知大数据有限公司 | Water service user collection management method and device, electronic equipment and storage medium |
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2021
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN115130928A (en) * | 2022-08-26 | 2022-09-30 | 山东龙普太阳能股份有限公司 | Solar charging management system and method |
| CN116050946A (en) * | 2023-03-29 | 2023-05-02 | 东莞先知大数据有限公司 | Water service user collection management method and device, electronic equipment and storage medium |
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