Heavy truck battery replacement operation management method and system based on cloud platform, and cloud platform

Abstract

The invention belongs to the technical field of cloud payment platform operation, and particularly relates to a heavy card battery replacement operation management method and system based on a cloud platform and the cloud platform. The method comprises the following steps: after a withdrawal application of an operator is received, a cloud platform calls a bank interface to transfer a withdrawal amount from an own fund sub-account book of an operator bank account to a to-be-cleared sub-account book; the cash withdrawal and transfer information is sent to the financial management and control system, so that the financial management and control system sends a cash withdrawal and payment instruction to the bank system after completing cash withdrawal audit, and the cash withdrawal and payment instruction is used for enabling the bank system to transfer the cash withdrawal amount from the to-be-cleared sub-account book to a bank account which can be freely controlled by an operator to complete cash withdrawal and payment; and the operator can withdraw the deposit from the own fund sub-account book only after applying for deposit withdrawal, so that the fund cannot be embezzled, and the normal refund of the user can be ensured.

Description

Technical Field

[0001] The present invention belongs to the technical field of cloud payment platform operation, and specifically relates to a heavy truck battery replacement operation management method, system and cloud platform based on a cloud platform. Background Art

[0002] With the development of the new energy vehicle industry, the application of new energy vehicles is becoming more and more extensive. At present, the heavy-duty truck field is increasingly inclined to use new energy heavy-duty trucks. New energy heavy-duty driving has high requirements for battery capacity. If charging is used, each charging takes a long time, affecting the operating efficiency of heavy-duty trucks. Therefore, most heavy-duty trucks choose to directly replace the battery when the power is low.

[0003] In the heavy truck battery replacement scenario, in order to accurately measure the amount of electricity used by users, the battery replacement station operator usually charges users according to the amount of electricity charged after fully charging the replaced battery. Therefore, users are required to recharge first, and then leave the battery replacement station after each battery replacement. The operator will charge again after the replaced battery is fully charged. In the prior art, the cloud operation platform (cloud platform) cannot control the withdrawal of operators, which may lead to the operator misappropriating funds after the user recharges under this operation mode, and the user cannot refund the recharged balance, infringing the rights and interests of the user. Summary of the invention

[0004] The purpose of the present invention is to provide a heavy-duty truck battery replacement operation management method, system and cloud platform based on a cloud platform, so as to solve the technical problem in the prior art that the cloud platform is unable to control the operator's withdrawal, resulting in the card charging and battery replacement operator misappropriating funds and thus causing users to be unable to refund normally.

[0005] In order to solve the above technical problems, the present invention provides a heavy truck battery replacement operation management method based on a cloud platform, comprising the following steps:

[0006] After receiving the withdrawal application from the operator, the cloud platform calls the bank interface to transfer the withdrawal amount from the operator's bank account's own funds sub-ledger to the to-be-cleared sub-ledger, and sends the withdrawal transfer information to the financial control system so that the financial control system sends a withdrawal payment instruction to the bank system after completing the withdrawal review. The withdrawal payment instruction is an instruction for the bank system to transfer the withdrawal amount from the to-be-cleared sub-ledger to the operator's freely disposable bank account to complete the withdrawal payment;

[0007] The self-owned funds sub-ledger is used to store the income of the operator's heavy-duty truck battery replacement service, and the to-be-cleared self-account is used for clearing and splitting the operator's bank account.

[0008] Furthermore, after receiving the withdrawal application from the operator, the cloud platform will also freeze the withdrawal amount of the operator's cloud platform account, and after the withdrawal payment is completed, the frozen withdrawal amount will be deducted from the operator's cloud platform account;

[0009] The operator's cloud platform account is used to record the revenue of the operator's heavy-duty truck battery replacement service.

[0010] Furthermore, the heavy truck battery replacement operation management method further includes the following steps: after receiving the user's refund application, the cloud platform calls the bank interface to transfer the refund amount from the user's sub-account book of the operator's bank account to the sub-account book to be cleared, and sends the refund transfer information to the financial control system so that the financial control system sends a refund payment instruction to the bank system after completing the refund review, and the refund payment instruction is an instruction for the bank system to transfer the refund amount from the sub-account book to be cleared to the user's bank account to complete the refund payment;

[0011] The user sub-account book is used to store the balance of recharge and consumption of the user's heavy-duty card battery replacement.

[0012] Further, after receiving the refund application from the user, the cloud platform freezes the refund amount in the user's cloud platform account, and after the refund payment is completed, the frozen refund amount is deducted from the user's cloud platform account;

[0013] The user's cloud platform account is used to record the balance of the user's heavy-duty truck battery replacement recharge and consumption.

[0014] Furthermore, the heavy truck battery replacement operation management method further includes the following steps: after receiving the billing amount of the heavy truck battery replacement completed by the user, the cloud platform calls the bank system interface to transfer the billing amount from the user sub-account book of the operator's bank account to the own funds sub-account book;

[0015] The user sub-account book is used to store the balance of recharge and consumption of the user's heavy-duty card battery replacement.

[0016] Furthermore, the heavy truck battery replacement operation management method further includes the following steps: after receiving information that a user has transferred money to his exclusive user sub-account book, the cloud platform adds the recharge amount to the platform account of the user;

[0017] The user sub-account book is used to store the balance of recharge and consumption of the user's heavy-duty truck battery replacement, and the user's cloud platform account is used to record the balance of recharge and consumption of the user's heavy-duty truck battery replacement.

[0018] Furthermore, the user sub-account book is created for the user in the operator's bank account by calling the bank interface after the cloud platform receives the user's recharge request for the first time.

[0019] The present invention is an improved invention creation, and its beneficial effects are as follows: a heavy-duty truck battery replacement operation management method based on a cloud platform of the present invention sets up a self-owned funds sub-ledger dedicated to storing the income of the operator's heavy-duty truck battery replacement service in the operator's bank account. Under the control of the cloud platform, the operator can withdraw cash from the self-owned funds sub-ledger only after applying for withdrawal. After receiving the withdrawal application from the operator, the cloud platform calls the bank interface to transfer the withdrawal amount from the self-owned funds sub-ledger of the operator's bank account to the sub-ledger to be cleared, and sends the withdrawal transfer information to the financial control system so that the financial control system sends a withdrawal payment instruction to the bank system after completing the withdrawal review, so that the bank system completes the withdrawal payment, which can prevent the operator from withdrawing cash without application and withdrawing cash from other sub-ledgers, and prevent the operator from misappropriating funds that the user has recharged but not consumed, ensuring the safety of funds, and ensuring that the user will not be unable to refund due to misappropriation of funds when refunding, thereby protecting the rights and interests of users.

[0020] In order to solve the above technical problems, the present invention also provides a cloud platform, including a processor, which is used to implement the method steps described in the heavy-duty truck battery replacement operation management method based on a cloud platform when executing a computer program.

[0021] The present invention is an improved invention, and its beneficial effects are the same as those of the cloud platform-based heavy-truck battery replacement operation management method of the present invention, which will not be repeated here.

[0022] In order to solve the above technical problems, the present invention also provides a heavy-duty truck battery replacement operation and management system based on a cloud platform, including a cloud platform and a financial control system. The cloud platform includes a processor, and the processor is used to implement the method steps described in a heavy-duty truck battery replacement operation and management method based on a cloud platform of the present invention when executing a computer program.

[0023] The present invention is an improved invention, and its beneficial effects are the same as those of the cloud platform-based heavy-truck battery replacement operation management method of the present invention, which will not be repeated here. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] Figure 1 It is a flow chart of user registration and recharge in the cloud platform operation management method of the system embodiment of the present invention;

[0025] Figure 2 It is a flow chart of user consumption in the cloud platform operation management method of the system embodiment of the present invention;

[0026] Figure 3 It is a flow chart of user refund in the cloud platform operation management method of the system embodiment of the present invention;

[0027] Figure 4It is a flow chart of operator withdrawal in the cloud platform operation and management method of the system embodiment of the present invention. DETAILED DESCRIPTION

[0028] The present invention provides a cloud-based heavy-duty truck battery replacement operation management method, system and cloud platform. In the operator's bank account, a self-owned funds sub-ledger dedicated to storing the income of the operator's heavy-duty truck battery replacement service is set. Under the control of the cloud platform, the operator can withdraw cash from the self-owned funds sub-ledger only after applying for withdrawal. After receiving the operator's withdrawal application, the cloud platform calls the bank interface to transfer the withdrawal amount from the self-owned funds sub-ledger of the operator's bank account to the to-be-cleared sub-ledger, and sends the withdrawal transfer information to the financial control system so that the financial control system sends a withdrawal payment instruction to the bank system after completing the withdrawal review, so that the bank system completes the withdrawal payment, which can prevent the operator from withdrawing cash without application and withdrawing cash from other sub-ledgers, prevent the operator from misappropriating funds that the user has recharged but not consumed, ensure the safety of funds, and ensure that the user will not be unable to refund due to misappropriation of funds when refunding, thereby protecting the rights and interests of users.

[0029] Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without making any creative work shall fall within the scope of protection of the present invention.

[0030] System Example:

[0031] The heavy-duty truck battery swap operation and management system based on the cloud platform of the present invention includes a cloud platform and a financial control system, which are independent of each other. The cloud platform is responsible for operation, and the financial control system is responsible for fund supervision. The heavy-duty truck battery swap operation and management system based on the cloud platform is a management system for the new energy heavy-duty truck charging and swapping industry. It relies on information interaction with the vehicle and station ends to provide users with a series of services such as asset management, organizational management, operation management, operation monitoring, and intelligent operation and maintenance. It supports access to multiple battery swap operators and multiple battery swap users (here, battery swap users refer to transportation companies, fleets, drivers, etc. who can perform battery swaps at battery swap operators).

[0032] The cloud platform is used to manage and control users' payment status for battery replacement, and the financial control system is used to manage the deposits and withdrawals of operators' bank stored-value accounts.

[0033] The battery swap operator needs to open a stored value account in the bank in advance for the recharge and fund management of the battery swap users. The bank will automatically allocate its own fund sub-ledger and pending clearing sub-ledger under the stored value account. The own fund sub-ledger is used to store the revenue of the battery swap operator, and the pending clearing sub-ledger is used for the clearing and splitting of the operator's bank account funds. The cloud platform controls the operator's bank stored value account through the financial control system to ensure that the transfer of funds in and out is carried out according to the set process, which can prevent the misappropriation of funds.

[0034] The cloud platform-based heavy truck battery replacement operation management method of the present invention mainly involves four processes: registration and recharge, user battery replacement consumption, user balance refund, and operator profit withdrawal.

[0035] The cloud platform includes a processor, and the processor is used to implement the heavy truck battery replacement operation management method based on the cloud platform of the present invention when executing the computer program. The method is specifically as follows:

[0036] 1. Registration and recharge.

[0037] Since heavy truck battery replacement is a payment scenario of replacing the battery first and paying later, users need to register and recharge before using the cloud platform to replace the battery.

[0038] Specifically, the process of user registration and recharge is as follows: Figure 1 As shown, the following steps are included:

[0039] 1. When registering, users should bind their bank account information on the account management page of the cloud platform;

[0040] 2. The cloud platform calls the bank interface to create a user sub-account that belongs exclusively to the user under the operator's bank stored value account (under the name of the battery swap operator's stored value account), thus completing the registration;

[0041] 3. When a user tops up, the amount is transferred to his / her user sub-account book;

[0042] 4. After the recharge amount enters the user's sub-account book, the bank system pushes the account information of the recharge amount to the cloud platform; the cloud platform then pushes the information to the financial control system;

[0043] 5. The cloud platform adds the recharge amount to the user’s cloud platform account balance.

[0044] The user sub-account book created by the user cloud platform calling the bank interface is a virtual sub-account book, which is located under the operator's bank stored value account. The funds in this sub-account book always belong to the operator's bank stored value account (physical account). The user sub-account book is used to store the balance of the user's heavy card battery replacement and consumption. The user's cloud platform account is used to record the balance of the user's heavy card battery replacement and consumption, and does not involve the transfer in, out and storage of actual funds.

[0045] It should be noted that users need to complete registration first and create their sub-account books before they can recharge; and they only need to register before the first recharge, and they can directly start recharging from step 3 for subsequent recharges.

[0046] 2. User consumption.

[0047] After the user completes registration and recharge, they can start battery swapping. When swapping batteries, the user enters the battery swapping station, replaces the "old battery" with a fully charged new battery, and then leaves the station to continue the operation. The operator then charges the "old battery" to full charge, and charges the battery swapping user through the cloud platform based on the amount of electricity charged to the "old battery".

[0048] Specifically, the process of deducting money when users replace electricity is as follows: Figure 2 As shown, the following steps are included:

[0049] 1. The user places an order after completing the battery replacement. When the "old battery" is fully charged, the billing amount is generated;

[0050] 2. The cloud platform transfers the billing amount from the user's cloud platform account to the operator's platform account;

[0051] 3. The cloud platform calls the bank interface to transfer the billing amount from the user sub-ledger to the operator’s own funds sub-ledger.

[0052] Since in this process, funds are transferred from one sub-ledger of the operator to another, and these two sub-ledgers belong to the same bank stored-value account of the operator, there is actually no transfer of funds, and the cloud platform does not need to be controlled through the financial control system.

[0053] The operator's own funds sub-ledger is located under the operator's bank stored value account and is also a virtual sub-ledger. Its function is to record the operator's actual revenue amount (excluding the amount that users have recharged but not consumed).

[0054] 3. User Refunds.

[0055] The balance in the user's platform account can be refunded. The refund process is as follows: Figure 3 As shown, the following steps are included:

[0056] 1. The user applies for a refund on the cloud platform;

[0057] 2. The cloud platform freezes the refund amount of the user's platform account;

[0058] 3. The cloud platform financial auditor approves the refund application;

[0059] 4. The cloud platform calls the bank interface to transfer the refund amount from the user's sub-account book to the sub-account book to be cleared;

[0060] 5. The cloud platform pushes the refund application transfer information to the financial control system;

[0061] 6. Financial control system enters the review and payment;

[0062] 7. The financial control system sends a refund payment instruction to the bank system; the refund payment instruction is an instruction for the bank system to transfer the refund amount from the sub-account to be cleared to the user's bank account to complete the refund payment;

[0063] 8. After receiving the payment instruction, the bank system will deduct the corresponding refund amount from the sub-accounts to be cleared and transfer it to the user's bank account, and then the refund will be paid;

[0064] 9. The banking system returns the transaction results to the financial control system and the cloud platform respectively;

[0065] 10. After receiving the transaction results, the cloud platform will deduct the refund amount frozen in the user platform account.

[0066] The pending clearing sub-ledger is a virtual sub-ledger of the operator's bank stored-value account, which is used for fund clearing and account splitting (transfer out). All fund transfers can only be made through the pending clearing sub-ledger. Funds transferred between sub-ledgers are essentially still in the operator's bank stored-value account, so they do not constitute fund transfer out.

[0067] In the user refund process of the present invention, the refund amount can only be transferred from the user sub-account book unique to the user to the to-be-cleared sub-account book, and then transferred from the to-be-cleared sub-account book to the bank account bound when the user registered. The source and destination of the refund amount are strictly controlled to protect the user's unspent amount from being misappropriated. When the user applies for a refund, the user's balance will be returned to the user to ensure the user's rights and interests.

[0068] 4. Operator profit withdrawal.

[0069] After earning operating income, operators can withdraw cash through the cloud platform. The specific operator withdrawal process is as follows: Figure 4 As shown, the following steps are included:

[0070] 1. The operator applies for withdrawal on the cloud platform;

[0071] 2. The cloud platform freezes the withdrawal amount of the operator platform account;

[0072] 3. The cloud platform financial auditor approves the withdrawal application;

[0073] 4. The cloud platform submits instructions to the bank to transfer the withdrawal amount from the operator's own funds sub-ledger to the sub-ledger to be cleared;

[0074] 5. The cloud platform pushes the withdrawal application transfer information to the financial control system;

[0075] 6. The financial control system conducts review and payment;

[0076] 7. After the review is completed, the financial control system sends a cash withdrawal payment instruction to the bank system; the cash withdrawal payment instruction is used to enable the bank system to transfer the cash withdrawal amount from the sub-account to be cleared to the bank account at the operator's disposal to complete the cash withdrawal payment;

[0077] 8. After receiving the withdrawal payment instruction, the bank system will deduct the corresponding withdrawal amount from the sub-accounts to be cleared and transfer it to the bank account at the operator's disposal to complete the withdrawal payment;

[0078] 9. The banking system returns the transaction results to the financial control system and the cloud platform respectively;

[0079] 10. After the transfer is successful, the refund amount frozen in the user platform account will be deducted.

[0080] The operator's cloud platform account is used to record the operator's revenue from heavy-duty truck battery swapping services. It only records the operator's revenue and does not involve the actual transfer in, out and storage of funds.

[0081] The operation management method of the present invention can only transfer the amount from the operator's own funds sub-account book to the sub-account book to be cleared and then withdraw cash through the process limit. Since the amount in the own funds sub-account book is the actual revenue amount of the operator, this part of the amount can be reasonably withdrawn; but the amount in the user sub-account book belongs to the amount that the user has recharged but not consumed, which is not the operator's revenue amount for the time being and cannot be withdrawn. Through such a withdrawal process design, it can prevent the operator from misappropriating the amount that the user has recharged but not consumed, ensuring that the user can get a normal refund when refunding, and protecting the user's rights and interests.

[0082] Method Example:

[0083] The specific process, principle, etc. of the heavy truck battery replacement operation management method based on a cloud platform of the present invention have been described in detail in the system embodiment, and will not be repeated in this embodiment.

[0084] Cloud platform implementation example:

[0085] The cloud platform of the present invention includes a processor, which, when executing a computer program, is used to implement the steps of the heavy-duty truck battery replacement operation management method based on the cloud platform as described in the system embodiment of the present invention. The specific process, principles, etc. of the method have been described in detail in the system embodiment and will not be repeated in this embodiment.

[0086] The processor may be various processors such as MCU and FPGA.

[0087] A cloud-based heavy-duty truck battery replacement operation management method, system and cloud platform of the present invention, in the bank account of the operator, a self-owned fund sub-account book dedicated to storing the income of the operator's heavy-duty truck battery replacement service is set. Under the control of the cloud platform, the operator can withdraw cash from the self-owned fund sub-account book only after applying for withdrawal, which can prevent the operator from withdrawing cash without application and withdrawing cash from other sub-account books, limit the source and destination of funds, prevent the operator from misappropriating the funds that the user has recharged but not consumed, and ensure that the user can withdraw cash normally. When the user makes a refund application, the refund amount is transferred from the user's user sub-account book to the sub-account book to be cleared, and then the refund is completed from the sub-account book to the user, and the funds are used for special purposes to ensure that the user can refund normally. At the same time, when the user recharges, the funds enter the corresponding user sub-account book, which can facilitate the distinction between the recharge amount and balance of different users, facilitate the management of funds, and at the same time, when refunding, the funds are transferred from the user's sub-account book to the sub-account book to be cleared for refund. Furthermore, when a user makes a refund or an operator makes a withdrawal, the present invention first uses the cloud platform to freeze the refund or withdrawal amount of the corresponding cloud platform account, thereby preventing the refund or withdrawal amount from being incorrectly caused by another refund, withdrawal or consumption during the refund or withdrawal process.

Claims

1. A heavy truck battery replacement operation management method based on a cloud platform, characterized in that: The following steps are involved: After receiving the withdrawal application from the operator, the cloud platform calls the bank interface to transfer the withdrawal amount from the operator's bank account's own funds sub-ledger to the to-be-cleared sub-ledger, and sends the withdrawal transfer information to the financial control system so that the financial control system sends a withdrawal payment instruction to the bank system after completing the withdrawal review. The withdrawal payment instruction is an instruction for the bank system to transfer the withdrawal amount from the to-be-cleared sub-ledger to the operator's freely disposable bank account to complete the withdrawal payment; The self-owned funds sub-ledger is used to store the income of the operator's heavy-duty truck battery replacement service, and the to-be-cleared self-account is used for clearing and splitting the operator's bank account.

2. The cloud platform-based heavy truck battery replacement operation management method according to claim 1 is characterized in that: After receiving the operator's withdrawal application, the cloud platform will also freeze the withdrawal amount of the operator's cloud platform account. After the withdrawal payment is completed, the frozen withdrawal amount will be deducted from the operator's cloud platform account; The operator's cloud platform account is used to record the revenue of the operator's heavy-duty truck battery replacement service.

3. The cloud platform-based heavy truck battery replacement operation management method according to claim 1 is characterized in that: The heavy truck battery replacement operation management method also includes the following steps: after receiving the user's refund application, the cloud platform calls the bank interface to transfer the refund amount from the user sub-account book of the operator's bank account to the sub-account book to be cleared, and sends the refund transfer information to the financial control system so that the financial control system sends a refund payment instruction to the bank system after completing the refund review, and the refund payment instruction is used to enable the bank system to transfer the refund amount from the sub-account book to be cleared to the user's bank account to complete the refund payment; The user sub-account book is used to store the balance of recharge and consumption of the user's heavy-duty card battery replacement.

4. The cloud platform-based heavy truck battery replacement operation management method according to claim 3 is characterized in that: After receiving the user's refund application, the cloud platform will freeze the refund amount in the user's cloud platform account. After the refund payment is completed, the frozen refund amount will be deducted from the user's cloud platform account; The user's cloud platform account is used to record the balance of the user's heavy-duty truck battery replacement recharge and consumption.

5. The cloud platform-based heavy truck battery replacement operation management method according to claim 1 is characterized in that: The heavy truck battery replacement operation management method further includes the following steps: after receiving the billing amount of the heavy truck battery replacement completed by the user, the cloud platform calls the bank system interface to transfer the billing amount from the user sub-account book of the operator's bank account to the own funds sub-account book; The user sub-account book is used to store the balance of recharge and consumption of the user's heavy-duty card battery replacement.

6. The cloud platform-based heavy truck battery replacement operation management method according to claim 1 is characterized in that: The heavy truck battery replacement operation management method further includes the following steps: after receiving information that a user has transferred money to his exclusive user sub-account book, the cloud platform adds the recharge amount to the platform account of the user; The user sub-account book is used to store the balance of recharge and consumption of the user's heavy-duty truck battery replacement, and the user's cloud platform account is used to record the balance of recharge and consumption of the user's heavy-duty truck battery replacement.

7. The cloud platform-based heavy truck battery replacement operation management method according to claim 3 or 6 is characterized in that: The user sub-account book is created for the user in the operator's bank account by calling the bank interface after the cloud platform receives the user's recharge request for the first time.

8. A cloud platform, comprising a processor, characterized in that: When executing the computer program, the processor is used to implement the steps of a cloud platform-based heavy-duty truck battery replacement operation management method as described in any one of claims 1 to 7.

9. A heavy truck battery replacement operation management system based on a cloud platform, including a cloud platform and a financial management and control system, wherein the cloud platform includes a processor, characterized in that: When executing the computer program, the processor is used to implement the steps of a cloud platform-based heavy-duty truck battery replacement operation management method as described in any one of claims 1 to 7.

Images