A payment processing apparatus for post-payment by judging credit permission and a processing method thereof

A processing method and processing device technology, applied in the Internet field, can solve problems such as non-acceptance of prepayment, customer inconvenience, and users' inability to adapt to the payment method, so as to prevent arrears of electricity charges and improve service quality.

Inactive Publication Date: 2019-02-15
YANTAI POWER SUPPLY COMPANY OF STATE GRID SHANDONG ELECTRIC POWER +1
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  • Claims
  • Application Information

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Problems solved by technology

The main contradiction lies in the fact that some users are not used to the change of payment method. Once the real-time calculated balance is lower than the preset threshold, they will receive a large number of SMS warnings, which brings inconvenience to customers, and many customers do not accept prepaid payment methods.

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  • A payment processing apparatus for post-payment by judging credit permission and a processing method thereof
  • A payment processing apparatus for post-payment by judging credit permission and a processing method thereof
  • A payment processing apparatus for post-payment by judging credit permission and a processing method thereof

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[0042] Exemplary embodiments will be described in detail herein, examples of which are illustrated in the accompanying drawings. Where the following description refers to the drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. The implementations described in the illustrative examples below are not intended to represent all implementations consistent with this application. Rather, they are merely examples of apparatus and methods consistent with some aspects of the invention as recited in the appended claims.

[0043] The terminology used in the present disclosure is for the purpose of describing particular embodiments only and is not intended to limit the application. As used in this specification and the appended claims, the singular forms "a," "the," and "the" are intended to include the plural forms as well, unless the context clearly dictates otherwise. It will also be understood that the term "and / or" as u...

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Abstract

The invention relates to the technical field of the Internet, in particular to a payment processing device and a processing method thereof for post-payment by judging credit permission. Comprises a user information obtaining module, wherein the user information obtaining module is used for obtaining user information of the user; The risk judging module is used for judging the risk degree of the current service according to the payment information and the user information; The payment determination module is used for determining the payment method of the electricity fee of the current service according to the judgment result. The invention can judge the risk degree of the service according to the payment information and the user information of the service, and further determine the appropriate payment mode of the electric charge, thereby preventing the customer from defaulting on the electric charge and improving the service quality.

Description

technical field [0001] The invention relates to the field of Internet technology, in particular to a payment processing device and a processing method for post-payment by judging credit permission. Background technique [0002] Prepayment is an effective means to improve customers' arrears of electricity bills, but the implementation process is not smooth. The main contradiction lies in the fact that some users do not adapt to the change of payment methods. Once the real-time measured balance is lower than the preset threshold, they will receive a large number of SMS alerts, which will bring inconvenience to customers and cause many customers not to accept prepaid payment methods. [0003] For this reason, there is an urgent need for a payment model that determines whether to prepay by judging the customer's credit value. For customers with low credit and often defaulting on electricity bills, post-payment is not allowed. Pay electricity bills. SUMMARY OF THE INVENTION ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/06G06Q20/24G06Q10/06G07F15/00
CPCG06Q10/0635G06Q20/24G06Q30/0609G07F15/003
Inventor 孙洋张钦歌丛连日刘振栋武侠于丽梅刘培然车军岩齐一飞王星原车兴辉刘尧文李云婧梁天刘伟战捷张绍林
Owner YANTAI POWER SUPPLY COMPANY OF STATE GRID SHANDONG ELECTRIC POWER
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