CN114418557A - Method and device for automatically charging monthly card - Google Patents
Method and device for automatically charging monthly card Download PDFInfo
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- CN114418557A CN114418557A CN202111594503.2A CN202111594503A CN114418557A CN 114418557 A CN114418557 A CN 114418557A CN 202111594503 A CN202111594503 A CN 202111594503A CN 114418557 A CN114418557 A CN 114418557A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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Abstract
The application discloses a method and a device for automatically charging a monthly card, which do not need manual supervision, avoid management errors, reduce the workload of property personnel and reduce the maintenance cost. The application includes: acquiring the monthly card expiration time of a target user; judging whether the expiration time of the monthly card is lower than a first time limit value, if so, judging whether the monthly card account of the target user is associated with a third-party credit payment platform, and if so, sending a payment request to the third-party credit payment platform according to a preset monthly card renewal rule; and acquiring the information of successful renewal fed back by the third-party credit payment platform.
Description
Technical Field
The embodiment of the application relates to the technical field of parking lot management, in particular to a method and a device for automatically charging a monthly card.
Background
In order to facilitate the realization of information management of a parking lot, the parking lot system is produced by the way, and is increasingly popularized in modern life, the parking lot system is a system for vehicle charging and equipment automatic management of a modern parking lot, and is a high-tech electromechanical integrated product which completely places the parking lot under the unified management of a computer, records the information of vehicles and cardholders passing in and out through intelligent equipment, and simultaneously calculates and transmits the information, and converts the information into information which can be manually distinguished and judged through human-computer interfaces such as character display, voice playing and the like, so that the aims of timing charging and vehicle management are realized.
In order to facilitate parking payment, a plurality of parking lot users choose to handle the monthly card service, the existing parking monthly cards are generally paid once at a certain time, such as every month, every quarter or every year, and due to different payment time of each user, property maintenance and management are very inconvenient, and the monthly cards are due and the users forget to continue to pay at many times, so that the parking lots are intercepted when the parking lots enter or exit, time is delayed, and if the parking lots remind the property one by one, not only the property workload is increased, but also the maintenance cost is increased.
Disclosure of Invention
The embodiment of the application provides a method and a device for automatically charging a monthly card, manual supervision is not needed, management errors are avoided, the workload of property personnel is reduced, and the maintenance cost is reduced.
The first aspect of the embodiment of the present application provides a method for automatically recharging a monthly card, including:
acquiring the monthly card expiration time of a target user;
judging whether the expiration time of the monthly card is lower than a first time limit value, if so, judging whether the monthly card account of the target user is associated with a third-party credit payment platform, and if so, sending a payment request to the third-party credit payment platform according to a preset monthly card renewal rule;
and acquiring the information of successful renewal fed back by the third-party credit payment platform.
Optionally, before the determining whether the monthly card account of the target user is associated with the third-party credit payment platform, the method further includes:
acquiring relevant identity information of a target user transacting monthly card service;
performing credit scoring according to the related identity information;
and judging whether the credit score is larger than a preset credit limit value, if so, establishing payment connection with a third-party credit payment platform according to the related identity information.
Optionally, after the establishing of the payment connection with the third party credit payment platform according to the related identity information, the method further includes:
setting a maximum renewal threshold for cross-platform payments, the maximum renewal threshold being used to automatically deduct a renewal amount from an account of the third party credit payment platform when the renewal amount does not exceed the maximum threshold.
Optionally, before the sending the payment request to the third party credit payment platform according to the preset monthly card renewal rule, the method further includes:
judging whether a payment application is sent to the third-party credit payment platform within a first set time, if so, judging whether the renewal success information of the payment application is received, and if so, updating the latest monthly card expiration time of the target user according to the renewal success information;
if not, sending a payment request to the third-party credit payment platform again according to a preset monthly card renewal rule.
Optionally, after the payment request is sent to the third-party credit payment platform according to the preset monthly card renewal rule, the method further includes:
if the information of successful renewal fed back by the third-party credit payment platform is not received within second set time, judging whether the current monthly card expiration time of the target user is lower than a second time limit value, if so, sending a payment request to the third-party credit payment platform according to preset frequency, and sending a reminding notice that the monthly card is about to expire to the intelligent terminal of the target user.
A second aspect of the embodiments of the present application provides a device for automatically recharging a monthly card, including:
the first acquisition unit is used for acquiring the monthly card expiration time of the target user;
the first judgment unit is used for judging whether the monthly card expiration time is lower than a first time limit value or not;
the second judgment unit is used for judging whether the monthly card account of the target user is associated with a third-party credit payment platform or not after the monthly card expiration time is lower than a first time limit value;
the first sending unit is used for sending a payment request to a third-party credit payment platform according to a preset monthly card renewal rule after the association between the monthly card account of the target user and the third-party credit payment platform is established;
and the second acquisition unit is used for acquiring the information of successful renewal fed back by the third-party credit payment platform.
Optionally, before the second determining unit, the apparatus further includes:
the third acquisition unit is used for acquiring the related identity information of the target user transacting the monthly card service;
the credit scoring unit is used for scoring credit according to the related identity information;
the third judging unit is used for judging whether the credit score is larger than a preset credit limit value or not;
and the establishing unit is used for establishing payment connection with a third-party credit payment platform according to the related identity information after the credit score is larger than a preset credit limit value.
Optionally, after the establishing unit, the apparatus further includes:
and the setting unit is used for setting a maximum recharging threshold value of cross-platform payment, and the maximum recharging threshold value is used for automatically deducting the recharging amount from the account of the third-party credit payment platform when the recharging amount does not exceed the maximum threshold value.
Optionally, before the first sending unit, the apparatus further includes:
the fourth judgment unit is used for judging whether a payment application is sent to the third-party credit payment platform within the first set time;
a fifth judging unit, configured to judge whether a successful fee renewal message of a payment application is received after the payment application has been sent to the third-party credit payment platform within a first set time;
the updating unit is used for updating the latest monthly card expiration time of the target user according to the renewed successful information after the renewed successful information of the payment application is received;
and the second sending unit is used for sending the payment request to the third-party credit payment platform again according to a preset monthly card renewal rule after the renewal success information of the payment application is not received.
Optionally, after the first sending unit, the apparatus further includes:
a sixth judging unit, configured to judge whether the current monthly card expiration time of the target user is lower than a second time limit if the information of successful renewal fed back by the third-party credit payment platform is not received within a second set time;
and the third sending unit is used for sending a payment request to the third-party credit payment platform according to a preset frequency after the expiration time of the current monthly card of the target user is lower than a second time limit value, and sending a reminding notice that the monthly card is about to expire to the intelligent terminal of the target user.
A third aspect of the embodiments of the present application provides a device for automatically recharging a monthly card, including:
the device comprises a processor, a memory, an input and output unit and a bus;
the processor is connected with the memory, the input and output unit and the bus;
the processor performs the following operations:
acquiring the monthly card expiration time of a target user;
judging whether the expiration time of the monthly card is lower than a first time limit value, if so, judging whether the monthly card account of the target user is associated with a third-party credit payment platform, and if so, sending a payment request to the third-party credit payment platform according to a preset monthly card renewal rule;
and acquiring the information of successful renewal fed back by the third-party credit payment platform.
An embodiment of the present application provides a computer-readable storage medium, where a program is stored on the computer-readable storage medium, and when the program is executed on a computer, the method for automatically renewing a monthly card according to any one of the above first aspects is executed.
According to the technical scheme, the embodiment of the application has the following advantages:
the method comprises the steps of judging whether the monthly card due time of a target user is lower than a first time limit value or not by obtaining the monthly card due time of the target user, and automatically deducting the renewal amount from a third-party credit payment platform which is associated with a monthly card account of the target user if the monthly card due time of the target user is lower than the first time limit value. The method does not need manual supervision, not only avoids management errors, but also reduces the workload of property personnel and reduces the maintenance cost.
Drawings
FIG. 1 is a schematic flow chart illustrating an embodiment of a method for automatically recharging a monthly card in an embodiment of the present application;
FIG. 2-1 is a schematic flow chart of another embodiment of the method for automatically recharging a monthly card in the embodiment of the present application;
FIG. 2-2 is a schematic flow chart illustrating an embodiment of a method for automatically recharging a monthly card in accordance with the present invention;
FIG. 3 is a schematic flow chart illustrating an embodiment of an apparatus for automatically recharging a monthly card in an embodiment of the present application;
FIG. 4 is a schematic flow chart illustrating an apparatus for automatically recharging a monthly card according to another embodiment of the present application;
FIG. 5 is a schematic flow chart of another embodiment of the monthly card automatic recharging device in the embodiment of the present application.
Detailed Description
In order to make those skilled in the art better understand the technical solutions in the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the scope of protection of the present application.
The embodiment of the application provides a method and a device for automatically charging a monthly card, manual supervision is not needed, management errors are avoided, the workload of property personnel is reduced, and the maintenance cost is reduced.
It should be noted that the execution subject in the present application may be a server, a system, or a terminal, and the present application is not limited in particular, and the following description will be made with the server as the execution subject.
Referring to fig. 1, an embodiment of a method for automatically recharging a monthly card in an embodiment of the present application includes:
101. acquiring the monthly card expiration time of a target user;
it should be noted that, in the embodiment of the present application, the server manages a plurality of platform services in a unified manner, for example, a parking lot monthly card service, a shared single vehicle monthly card service, and the like. The service transacted by users on each platform can share data in the server of the application, the server creates a personal account for each user, classifies and arranges all monthly card services transacted by the user, and detects payment due time of the monthly card services in real time, wherein the payment duration of each monthly card service can be different, such as half-year payment, quarter-quarter payment or month-month payment, and no limit value is specially made.
In order to timely acquire whether services to be due exist in the monthly card services transacted by the target user, the server acquires the due time of each monthly card service of the target user in real time.
102. Judging whether the monthly card expiration time is lower than a first time limit value, if so, executing a step 103;
it should be noted that, in this embodiment of the application, the server sets a minimum time limit as a standard for determining whether the renewal is urgent, and after the server obtains the monthly card expiration time of each service of the target user, the monthly card expiration time is compared with the first time limit, if the monthly card expiration time is lower than the first time limit, it is determined that the target user needs to be urged to pay as soon as possible, and step 103 is specifically executed.
103. Judging whether the monthly card account of the target user is associated with a third-party credit payment platform or not;
it should be noted that, in this embodiment of the application, if the server detects that the expiration time of the monthly card is lower than the first time limit, it indicates that the target user is busy or forgotten not to renew the fee, in order to avoid that the target user cannot enjoy the service due to the expiration of the service payment and delay the time or work of the target user, the server may automatically initiate payment from the previously bound third-party credit payment platform, and before initiating the payment, the server must first confirm whether the monthly card account of the target user has previously established connection with the third-party credit payment platform, that is, whether the target user has a right to automatically deduct the renewal amount from the third-party credit payment platform, if so, step 104 is executed.
104. Sending a payment request to the third-party credit payment platform according to a preset monthly card renewal rule;
in the embodiment of the application, if the server confirms that the monthly card account of the target user is associated with the third-party credit payment platform, a payment request is initiated to the third-party credit payment platform according to a preset monthly card renewal rule, so that the third-party credit payment platform automatically deducts the payment amount from the account of the target user according to the payment amount in the payment request.
It should be noted that the server may configure the monthly card renewal rule according to the requirement of the target user, such as automatically renewing for a quarter, a year, or a month.
105. And acquiring the information of successful renewal fed back by the third-party credit payment platform.
It should be noted that, in this embodiment of the application, in order to confirm whether the third-party credit payment platform has paid, the server may obtain whether the feedback information from the third-party credit payment platform is received in real time, and update the expiration time of the month card service of the target user according to the feedback information, for example, if three days of the original month card service expire, the third-party credit payment platform automatically pays for one month, and then the expiration time of the month card service is updated to zero three days of one month.
In the embodiment of the application, the automatic monthly card recharging method is characterized in that whether the monthly card due time of a target user is lower than a first time limit value or not is judged by acquiring the monthly card due time of the target user, and if the monthly card due time of the target user is lower than the first time limit value, the recharging amount is automatically deducted from a third-party credit payment platform which is associated with a monthly card account of the target user. The method does not need manual supervision, not only avoids management errors, but also reduces the workload of property personnel and reduces the maintenance cost.
The method for automatically charging the monthly card is roughly described above, and a detailed description will be given below.
Referring to fig. 2-1 and 2-2, another embodiment of the method for automatically recharging a monthly card in the embodiment of the present application includes:
201. acquiring the monthly card expiration time of a target user;
it should be noted that, in the embodiment of the present application, the server manages a plurality of platform services in a unified manner, for example, a parking lot monthly card service, a shared single vehicle monthly card service, and the like. The service transacted by users on each platform can share data in the server of the application, the server creates a personal account for each user, classifies and arranges all monthly card services transacted by the user, and detects payment due time of the monthly card services in real time, wherein the payment duration of each monthly card service can be different, such as half-year payment, quarter-quarter payment or month-month payment, and no limit value is specially made.
In order to timely acquire whether services to be due exist in the monthly card services transacted by the target user, the server acquires the due time of each monthly card service of the target user in real time.
202. Judging whether the expiration time of the monthly card is lower than a first time limit value, if so, executing a step 203;
it should be noted that, in this embodiment of the application, the server sets a minimum time limit as a standard for determining whether renewal is urgent, after the server obtains the expiration time of each monthly card of each service of the target user, the monthly card is compared with the first time limit, if the expiration time is lower than the first time limit, it is indicated that the target user needs to be urged to pay as soon as possible, but in order to not disturb the target user, the server is also convenient for the renewal management of the monthly card service, in this application, a three-party credit payment method is adopted, specifically, the target user needs to establish a relationship with a third-party credit payment platform in advance, and the relationship is shown in step 203.
203. Acquiring relevant identity information of a target user transacting monthly card service;
204. performing credit scoring according to the related identity information;
205. judging whether the credit score is greater than a preset credit limit value, if so, executing a step 206;
206. establishing a payment connection with a third-party credit payment platform according to the related identity information;
it should be noted that, in the embodiment of the present application, the server obtains the relevant identity information of the target user, detects whether there is a credit loss behavior before according to the identity information, scores the credit behavior of the target user according to the past credit payment information, if the score is greater than a preset credit limit value, it indicates that the target user meets the condition of credit payment, and creates a credit account for the target user according to the credit score, where the amount of the credit account is determined by the credit score of the target user, and the higher the credit score is, the larger the amount is.
If the score is lower than the preset credit limit, a credit account cannot be created for the target user.
207. Setting a maximum renewal threshold for cross-platform payment, wherein the maximum renewal threshold is used for automatically deducting a renewal amount from an account of the third-party credit payment platform when the renewal amount does not exceed the maximum threshold;
it should be noted that, in the embodiment of the present application, in order to avoid a system deduction error and a situation of multiple deductions, the target user may set a maximum renewal threshold for cross-platform payment at the intelligent terminal by himself, and the target user is used to automatically deduct a renewal amount from an account of the third-party credit payment platform when the renewal amount does not exceed the maximum threshold. The maximum recharging threshold is set with reference to the amount of each payment in the recharging rule, for example, if the target user sets a one-quarter payment and the amount of each quarter payment is 800, the maximum recharging threshold may be set to be a little more than 800, or just 800.
208. If yes, judging whether the monthly card account of the target user is associated with a third-party credit payment platform or not, and if yes, executing a step 209;
it should be noted that, in this embodiment of the application, if the server detects that the expiration time of the monthly card is lower than the first time limit, it indicates that the target user has not been renewed because of being busy or forgotten, in order to avoid that the target user cannot enjoy the service because of the expiration of the service payment and delay the time or work of the target user, the server may automatically initiate payment from the previously bound third-party credit payment platform, and before initiating payment, the server must first confirm whether the monthly card account of the target user has previously established connection with the third-party credit payment platform, that is, whether the target user has a right to automatically deduct the renewal amount from the third-party credit payment platform, if so, step 209 is executed.
209. Judging whether a payment application is sent to the third-party credit payment platform within a first set time, if so, executing a step 210; if not, go to step 213;
it should be noted that, in the embodiment of the present application, in order to avoid the situation that the server repeatedly sends the payment application to reproduce the repeated deduction and save the operating storage space of the server, after the server confirms that the monthly card account of the target user is associated with the third-party credit payment platform, it is first determined whether the payment application has been sent to the third-party credit payment platform within a past period of time, if yes, step 210 is executed; if not, go to step 213.
210. Judging whether the successful fee renewal message of the payment application is received, if so, executing step 211; if not, go to step 212;
it should be noted that, in this embodiment of the application, if the server detects that a payment application has been sent to the third party credit payment platform within a past period of time, for example, within the past three days, in order to avoid that the third party credit payment platform has already paid but the server end has not updated the monthly card due time in time and a situation of repeated fee deduction occurs, the server may first determine whether feedback information that the renewed fee sent by the third party credit payment platform is received is successful, and if the feedback information is received, execute step 211; if not, step 212 is performed.
211. And updating the latest monthly card expiration time of the target user according to the renewed charge success information.
It should be noted that, in this embodiment of the application, if the server detects that the payment application has been sent to the third party credit payment platform within a period of time in the past, and also receives the feedback information of the payment sent by the third party credit payment platform, it indicates that the server does not update the expiration time of the month card in time, and at this time, it only needs to update the expiration time of the month card according to the received payment feedback information.
It should be noted that, after the third-party credit payment platform automatically deducts the fee, the server needs to remind the target user to replenish the corresponding amount of money to the credit account within a preset time limit, so as to avoid the problem of losing credit.
212. Sending the payment request to the third party credit payment platform again according to the preset monthly card renewal rule, and executing step 214;
in this embodiment of the application, if the server has sent the payment application to the third-party credit payment platform, but does not receive the feedback information that the payment is successful, there may be a payment application sending error and a payment application is not sent successfully, or because the account balance of the third-party credit payment platform is not enough to pay the renewal, in order to determine what reason the payment application is, the server will send the payment request again, and then execute step 214.
213. Sending a payment request to the third-party credit payment platform according to a preset monthly card renewal rule;
in the embodiment of the application, if the server confirms that the monthly card account of the target user is associated with the third-party credit payment platform and a payment application is not sent to the third-party credit payment platform in a past period of time, such as three days in the past, a payment request is initiated to the third-party credit payment platform according to a preset monthly card renewal rule, so that the third-party credit payment platform automatically deducts the payment amount from the account of the target user according to the payment amount in the payment request.
It should be noted that the server may configure the monthly card renewal rule according to the requirement of the target user, such as automatically renewing for a quarter, a year, or a month.
214. If the information of successful renewal fed back by the third-party credit payment platform is not received within a second set time, judging whether the current monthly card expiration time of the target user is lower than a second time limit value, if so, executing step 215;
it should be noted that, in this embodiment of the application, after the server sends the payment application to the third-party credit payment platform, the timer is automatically started to time, if the feedback information that the payment is successful is not received within the second set time, there may be a payment application sending error and a payment application is not sent successfully, or because the account balance of the third-party credit payment platform is not enough to pay the renewal fee, at this time, step 215 is executed.
215. Sending a payment request to the third-party credit payment platform according to a preset frequency, and sending a reminding notice that the monthly card is about to expire to the intelligent terminal of the target user;
it should be noted that, in the embodiment of the present application, in order to enable the target user to pay in time, the server may continue to periodically send a payment request to the third-party credit payment platform, and simultaneously remind the target user that the monthly card is about to expire, so that the target user actively pays, checks whether the balance of the credit account is insufficient, and timely supplements money to the credit account.
216. And acquiring the information of successful renewal fed back by the third-party credit payment platform.
It should be noted that, in this embodiment of the application, in order to confirm whether the third-party credit payment platform has paid, the server may obtain whether the feedback information from the third-party credit payment platform is received in real time, and update the expiration time of the month card service of the target user according to the feedback information, for example, if three days of the original month card service expire, the third-party credit payment platform automatically pays for one month, and then the expiration time of the month card service is updated to zero three days of one month.
In the embodiment of the application, the connection with the third-party credit payment platform is established, when the monthly card service of the target user is about to expire, the charge can be automatically deducted from the credit account under the condition of not disturbing the target user, so that the problem that the normal enjoyment of the service of the target user is influenced due to the missed payment is solved, the target user is not required to be reminded to pay the charge at all times, the target user is disturbed, the experience of the target user is improved, and meanwhile, the workload of managers is reduced.
The method for automatically recharging the monthly card is described above, and the automatic recharging device for the monthly card will be described below.
Referring to fig. 3, an embodiment of the apparatus for automatically recharging a monthly card in the embodiment of the present application includes:
a first obtaining unit 301, configured to obtain a monthly card expiration time of a target user;
a first judging unit 302, configured to judge whether the monthly card expiration time is lower than a first time limit;
a second judging unit 303, configured to judge whether the monthly card account of the target user is associated with a third-party credit payment platform after the monthly card expiration time is lower than a first time limit;
a first sending unit 304, configured to send a payment request to a third-party credit payment platform according to a preset monthly card renewal rule after the monthly card account of the target user is associated with the third-party credit payment platform;
a second obtaining unit 305, configured to obtain information of successful renewal fed back by the third-party credit payment platform.
In the embodiment of the present application, a device for automatically recharging a monthly card is provided, where a first obtaining unit 301 obtains a monthly card expiration time of a target user, and a first determining unit 302 determines whether the monthly card expiration time is lower than a first time limit, and if the monthly card expiration time is lower than the first time limit, automatically deducts a recharging amount from a third-party credit payment platform associated with a monthly card account of the target user. The device does not need manual supervision, not only avoids management errors, but also reduces the workload of property personnel and reduces the maintenance cost.
The functions of the units of the automatic monthly card recharging apparatus are generally described above, and a detailed description of the functions of the units of the automatic monthly card recharging apparatus will be provided below.
Referring to fig. 4, in the embodiment of the present application, another embodiment of the device for automatically recharging a monthly card includes:
a first obtaining unit 401, configured to obtain a monthly card expiration time of a target user;
a first judging unit 402, configured to judge whether the monthly card expiration time is lower than a first time limit;
a third obtaining unit 403, configured to obtain relevant identity information of a target user transacting the monthly card service;
a credit scoring unit 404, configured to score a credit according to the relevant identity information;
a third determining unit 405, configured to determine whether the credit score is greater than a preset credit limit;
the establishing unit 406 is configured to establish a payment connection with a third-party credit payment platform according to the relevant identity information after the credit score is greater than a preset credit limit value;
a setting unit 407, configured to set a maximum renewal threshold for cross-platform payment, where the maximum renewal threshold is used to automatically deduct a renewal amount from an account of the third-party credit payment platform when the renewal amount does not exceed the maximum threshold;
a second determination unit 408, configured to determine whether the monthly card account of the target user is associated with a third-party credit payment platform after the monthly card expiration time is lower than the first time limit;
a fourth determining unit 409, configured to determine whether a payment application has been sent to the third-party credit payment platform within a first set time;
a fifth judging unit 410, configured to judge whether a renewal success message of the payment application is received after the payment application has been sent to the third-party credit payment platform within a first set time;
an updating unit 411, configured to update the latest monthly card expiration time of the target user according to the renewed successful information after receiving the renewed successful information of the payment application.
A second sending unit 412, configured to send a payment request to the third-party credit payment platform again according to a preset monthly card renewal rule after the renewal success message of the payment application is not received;
a first sending unit 413, configured to send a payment request to the third party credit payment platform according to a preset monthly card renewal rule after a payment application is not sent to the third party credit payment platform within a first set time;
a sixth judging unit 414, configured to judge whether the current monthly card expiration time of the target user is lower than a second time limit if the information of successful renewal fed back by the third-party credit payment platform is not received within a second set time;
a third sending unit 415, configured to send a payment request to the third-party credit payment platform according to a preset frequency after the current monthly card expiration time of the target user is lower than a second time limit, and send a reminder that the monthly card is about to expire to the intelligent terminal of the target user;
a second obtaining unit 416, configured to obtain information of successful renewal fed back by the third-party credit payment platform.
In the embodiment of the present application, the functions of each unit module correspond to the steps in the embodiments shown in fig. 1 to fig. 2, and are not described herein again.
Referring to fig. 5, another embodiment of the monthly card automatic recharging device in the embodiment of the present application includes:
a processor 501, a memory 502, an input-output unit 503, and a bus 504;
the processor 501 is connected with the memory 502, the input/output unit 503 and the bus 504;
the processor 501 performs the following operations:
acquiring the monthly card expiration time of a target user;
judging whether the expiration time of the monthly card is lower than a first time limit value, if so, judging whether the monthly card account of the target user is associated with a third-party credit payment platform, and if so, sending a payment request to the third-party credit payment platform according to a preset monthly card renewal rule;
and acquiring the information of successful renewal fed back by the third-party credit payment platform.
In this embodiment, the functions of the processor 501 correspond to the steps in the embodiments shown in fig. 1 to fig. 2, and are not described herein again.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a read-only memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and the like.
Claims (10)
1. A method for automatically charging monthly cards is characterized by comprising the following steps:
acquiring the monthly card expiration time of a target user;
judging whether the expiration time of the monthly card is lower than a first time limit value, if so, judging whether the monthly card account of the target user is associated with a third-party credit payment platform, and if so, sending a payment request to the third-party credit payment platform according to a preset monthly card renewal rule;
and acquiring the information of successful renewal fed back by the third-party credit payment platform.
2. The method of claim 1, wherein prior to said determining whether the target user's monthly card account is associated with a third party credit payment platform, the method further comprises:
acquiring relevant identity information of a target user transacting monthly card service;
performing credit scoring according to the related identity information;
and judging whether the credit score is larger than a preset credit limit value, if so, establishing payment connection with a third-party credit payment platform according to the related identity information.
3. The method of claim 2, wherein after the establishing a payment connection with a third party credit payment platform based on the correlated identity information, the method further comprises:
setting a maximum renewal threshold for cross-platform payments, the maximum renewal threshold being used to automatically deduct a renewal amount from an account of the third party credit payment platform when the renewal amount does not exceed the maximum threshold.
4. The method of claim 1, wherein prior to sending a payment request to the third party credit payment platform according to a predetermined monthly card renewal rule, the method further comprises:
judging whether a payment application is sent to the third-party credit payment platform within a first set time, if so, judging whether the renewal success information of the payment application is received, and if so, updating the latest monthly card expiration time of the target user according to the renewal success information;
if not, sending a payment request to the third-party credit payment platform again according to a preset monthly card renewal rule.
5. The method according to any one of claims 1 to 4, wherein after sending a payment request to the third party credit payment platform according to a preset monthly card renewal rule, the method further comprises:
if the information of successful renewal fed back by the third-party credit payment platform is not received within second set time, judging whether the current monthly card expiration time of the target user is lower than a second time limit value, if so, sending a payment request to the third-party credit payment platform according to preset frequency, and sending a reminding notice that the monthly card is about to expire to the intelligent terminal of the target user.
6. An automatic monthly card recharging device, comprising:
the first acquisition unit is used for acquiring the monthly card expiration time of the target user;
the first judgment unit is used for judging whether the monthly card expiration time is lower than a first time limit value or not;
the second judgment unit is used for judging whether the monthly card account of the target user is associated with a third-party credit payment platform or not after the monthly card expiration time is lower than a first time limit value;
the first sending unit is used for sending a payment request to a third-party credit payment platform according to a preset monthly card renewal rule after the association between the monthly card account of the target user and the third-party credit payment platform is established;
and the second acquisition unit is used for acquiring the information of successful renewal fed back by the third-party credit payment platform.
7. The apparatus according to claim 6, wherein before the second determination unit, the apparatus further comprises:
the third acquisition unit is used for acquiring the related identity information of the target user transacting the monthly card service;
the credit scoring unit is used for scoring credit according to the related identity information;
the third judging unit is used for judging whether the credit score is larger than a preset credit limit value or not;
and the establishing unit is used for establishing payment connection with a third-party credit payment platform according to the related identity information after the credit score is larger than a preset credit limit value.
8. The apparatus of claim 7, wherein after the establishing unit, the apparatus further comprises:
and the setting unit is used for setting a maximum recharging threshold value of cross-platform payment, and the maximum recharging threshold value is used for automatically deducting the recharging amount from the account of the third-party credit payment platform when the recharging amount does not exceed the maximum threshold value.
9. The apparatus of claim 6, wherein before the first sending unit, the apparatus further comprises:
the fourth judgment unit is used for judging whether a payment application is sent to the third-party credit payment platform within the first set time;
a fifth judging unit, configured to judge whether a successful fee renewal message of a payment application is received after the payment application has been sent to the third-party credit payment platform within a first set time;
the updating unit is used for updating the latest monthly card expiration time of the target user according to the renewed successful information after the renewed successful information of the payment application is received;
and the second sending unit is used for sending the payment request to the third-party credit payment platform again according to a preset monthly card renewal rule after the renewal success information of the payment application is not received.
10. The apparatus according to any one of claims 6 to 9, wherein after the first sending unit, the apparatus further comprises:
a sixth judging unit, configured to judge whether the current monthly card expiration time of the target user is lower than a second time limit if the information of successful renewal fed back by the third-party credit payment platform is not received within a second set time;
and the third sending unit is used for sending a payment request to the third-party credit payment platform according to a preset frequency after the expiration time of the current monthly card of the target user is lower than a second time limit value, and sending a reminding notice that the monthly card is about to expire to the intelligent terminal of the target user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111594503.2A CN114418557A (en) | 2021-12-23 | 2021-12-23 | Method and device for automatically charging monthly card |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111594503.2A CN114418557A (en) | 2021-12-23 | 2021-12-23 | Method and device for automatically charging monthly card |
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| CN114418557A true CN114418557A (en) | 2022-04-29 |
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| CN202111594503.2A Pending CN114418557A (en) | 2021-12-23 | 2021-12-23 | Method and device for automatically charging monthly card |
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| CN112073486A (en) * | 2020-08-28 | 2020-12-11 | 北京金山云网络技术有限公司 | Resource transfer method and device, storage medium and electronic device |
| CN112651732A (en) * | 2020-12-23 | 2021-04-13 | 深圳市顺易通信息科技有限公司 | Method and platform for paying parking fee by credit |
| CN112669112A (en) * | 2020-12-29 | 2021-04-16 | 深圳市顺易通信息科技有限公司 | Method and system for automatically charging parking monthly card |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112073486A (en) * | 2020-08-28 | 2020-12-11 | 北京金山云网络技术有限公司 | Resource transfer method and device, storage medium and electronic device |
| CN112651732A (en) * | 2020-12-23 | 2021-04-13 | 深圳市顺易通信息科技有限公司 | Method and platform for paying parking fee by credit |
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