Charging platform clearing and settlement method, system and device and medium

Abstract

The invention relates to the technical field of data processing, and provides a charging platform clearing and settlement method, system and device, and a medium, which can authenticate a charging request according to the trigger type of the charging request, and charge a target vehicle after the charging request passes the authentication, thereby improving the safety of the charging platform. After an operator collects and verifies charging information, the charging information is uploaded to a clearing and settlement end of the charging platform in real time through a uniform interface based on a transmission optimization technology, the integrity of the charging information can be ensured through the uniform interface, accurate transmission of data can be further ensured in combination with the transmission optimization technology, and the error rate is reduced; the charging platform clearing and settlement end generates a sub-bill according to a sub-bill agreed with the partner, and the financial institution clearing and settlement end performs sub-bill according to the sub-bill and obtains funds from the supervision party according to the sub-bill result and issues the funds to the partner, thereby ensuring that the charging cost is reasonably and efficiently distributed.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a charging platform clearing and settlement method, system, device and medium. Background Art

[0002] With the increasing popularity of electric vehicles, there are more and more charging platforms. Therefore, how to reasonably allocate the charging costs of charging platforms has become an urgent problem to be solved.

[0003] Moreover, with the rapid growth of charging business, the amount of data has also exploded, but the existing platform cannot efficiently cope with the storage, calculation and analysis of large-scale data, resulting in slow processing speed and affecting the timeliness of clearing and settlement. In addition, due to the diversity of data sources of charging platforms, the data noise is also high, affecting the accuracy of clearing and settlement results.

[0004] In view of the above problems, it is necessary to propose an efficient and accurate charging platform clearing and settlement method. Summary of the invention

[0005] In view of the above, it is necessary to provide a charging platform clearing and settlement method, system, equipment and medium, aiming to solve the problems of unreasonable charging cost distribution, low clearing and settlement efficiency and low accuracy of the charging platform.

[0006] A charging platform clearing and settlement method, the charging platform clearing and settlement method comprising: In response to a charging request initiated by a target vehicle, the operator of the charging platform authenticates the charging request according to a trigger type of the charging request, and charges the target vehicle after the charging request is authenticated; When the target vehicle completes charging, the supervisor obtains and saves the charging fee; The operator collects charging information and verifies the charging information; When the charging information passes the verification, the operator uploads the charging information to the clearing and settlement terminal of the charging platform in real time through a unified interface based on the transmission optimization technology; The charging platform clearing and settlement terminal generates a sub-invoice according to the account splitting strategy agreed with the partner, and sends the sub-invoice to the clearing and settlement terminal of the financial institution; The clearing and settlement end of the financial institution divides the accounts according to the division invoice to obtain the division results, and obtains funds from the regulator based on the division results and distributes them to the partner.

[0007] According to a preferred embodiment of the present invention, the operator of the charging platform authenticates the charging request according to the trigger type of the charging request, including: When the trigger type is a VIN code trigger, the operator detects whether the VIN code of the target vehicle is registered; when it is detected that the VIN code has been registered, the operator determines that the charging request has passed the authentication; or When the trigger type is a card swiping trigger, the operator detects whether the charging card of the target vehicle is on record; when it is detected that the charging card has been on record, the operator determines that the charging request has passed the authentication; or When the trigger type is code scanning trigger, the operator detects whether the triggerer of the charging request is a new user; when the triggerer is a new user, the operator sends authorization guidance information to the triggerer; when it is detected that the triggerer completes the authorization and re-triggers the charging request, the operator determines that the charging request has passed the authentication; Before determining that the charging request has passed authentication, the operator detects the account balance of the target vehicle, and when the account balance is greater than or equal to a configured value, the operator determines that the charging request has passed authentication.

[0008] According to a preferred embodiment of the present invention, the verifying the charging information includes: The operator performs data format verification on the charging information; When the charging information passes the data format verification, the operator performs a data range verification on the charging information; When the charging information passes the data range check, the operator performs a logical relationship check on the charging information; When the charging information passes the logical relationship check, the operator performs a consistency check on the charging information; When the charging information passes the consistency check, the operator determines that the charging information passes the verification; or When the charging information fails to pass the data format check, or the charging information fails to pass the data range check, or the charging information fails to pass the logical relationship check, or the charging information fails to pass the consistency check, the operator determines that the charging information fails to pass the check.

[0009] According to a preferred embodiment of the present invention, before the charging platform clearing and settlement terminal generates a split bill according to the split bill strategy agreed with the partner, the method further includes: The said cooperation party submits a market joining application to the financial institution to which the said financial institution clearing and settlement terminal belongs; When the partner passes the market joining application, the operator creates account information at the clearing and settlement terminal of the charging platform, and sends a review application to the financial institution based on the account information; When the account information passes the review, the operator configures the account sharing cycle and the account sharing ratio as the account sharing strategy, and sends the account information to the partner.

[0010] According to a preferred embodiment of the present invention, the operator uploads the charging information to the charging platform clearing and settlement terminal in real time through a unified interface based on transmission optimization technology, including: When the charging information passes the verification, the operator uploads the charging information to the clearing and settlement terminal of the charging platform in real time; The operator synchronously stores the charging information in a local cache, and marks the charging information in the local cache according to whether it has been uploaded to the clearing and settlement terminal of the charging platform; When it is detected that the network connection between the operator and the charging platform clearing and settlement terminal is interrupted, the operator starts the backup communication link, and continues to upload the charging information in the local cache to the charging platform clearing and settlement terminal through the backup communication link based on the mark of the charging information in the local cache; The information uploaded to the clearing and settlement terminal of the charging platform in the local cache is deleted at every preset time interval.

[0011] According to a preferred embodiment of the present invention, the method further comprises: When there is a refund event, the operator detects the triggering time and refund amount of the refund event; When the trigger time is before the account split, the supervisor will return the refund amount by the original route; When the trigger time is after the bill split, the operator offsets the refund amount from the next charging fee.

[0012] According to a preferred embodiment of the present invention, after obtaining funds from the supervisor according to the account splitting result and sending them to the partner, the method further includes: According to the preset cycle, the operator provides the first charging information generated in the current cycle, the financial institution provides the first charging fee and first account splitting information received in the current cycle, and the partner provides the second order data and second charging information confirmed in the current cycle; When the first charging information is the same as the second charging information, the first charging fee matches the first account splitting information, and the first account splitting information matches the second order data, the partner determines that the reconciliation is correct.

[0013] A charging platform clearing and settlement system, the charging platform clearing and settlement system comprising: The operator of the charging platform is used to respond to the charging request initiated by the target vehicle, authenticate the charging request according to the trigger type of the charging request, and charge the target vehicle after the charging request is authenticated; The supervisor is used to obtain and save the charging fee when the target vehicle completes charging; The operator is further used to collect charging information and verify the charging information; The operator is further configured to upload the charging information to a clearing and settlement terminal of the charging platform in real time when the charging information passes the verification; The charging platform clearing and settlement terminal is used to generate a separate bill according to the account splitting strategy agreed with the partner, and send the separate bill to the clearing and settlement terminal of the financial institution; The clearing and settlement terminal of the financial institution is used to divide the accounts according to the divided invoice to obtain the account division results, and obtain funds from the regulator according to the account division results and distribute them to the partner.

[0014] A computer device, comprising: a memory storing at least one instruction; and The processor executes the instructions stored in the memory to implement the charging platform clearing and settlement method.

[0015] A computer-readable storage medium stores at least one instruction, and the at least one instruction is executed by a processor in a computer device to implement the charging platform clearing and settlement method.

[0016] It can be seen from the above technical solutions that the present invention can authenticate the charging request according to the trigger type of the charging request, and charge the target vehicle after the charging request is authenticated, thereby improving the safety of the charging platform; after the operator collects and verifies the charging information, the charging information is uploaded to the clearing and settlement end of the charging platform through a unified interface in real time based on the transmission optimization technology. The unified interface can ensure the integrity of the charging information, and combined with the transmission optimization technology, it can further ensure the accurate transmission of data and reduce the error rate; the clearing and settlement end of the charging platform generates a split bill according to the account splitting strategy agreed with the partner, and the clearing and settlement end of the financial institution splits the account according to the split bill, and obtains funds from the regulator based on the account splitting results and distributes them to the partner, thereby ensuring that the charging costs are reasonably and efficiently allocated. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] Figure 1 It is a flow chart of a preferred embodiment of the charging platform clearing and settlement method of the present invention; Figure 2 It is a functional module diagram of a preferred embodiment of the charging platform clearing and settlement system of the present invention; Figure 3 It is a structural schematic diagram of a computer device of a preferred embodiment of the charging platform clearing and settlement method of the present invention. DETAILED DESCRIPTION

[0018] In order to make the purpose, technical solutions and advantages of the present invention more clear, the present invention is described in detail below with reference to the accompanying drawings and specific embodiments.

[0019] like Figure 1 FIG. 1 is a flow chart of a preferred embodiment of the charging platform clearing and settlement method of the present invention. According to different requirements, the order of the steps in the flow chart can be changed, and some steps can be omitted.

[0020] The charging platform clearing and settlement method is applied to one or more computer devices, which are devices that can automatically perform numerical calculations and / or information processing according to pre-set or stored instructions, and their hardware includes but is not limited to microprocessors, application specific integrated circuits (ASIC), programmable gate arrays (FPGA), digital signal processors (DSP), embedded devices, etc.

[0021] The computer device may be any electronic product that can perform human-computer interaction with a user, such as a personal computer, a tablet computer, a smart phone, a personal digital assistant (PDA), a game console, an interactive network television (IPTV), a smart wearable device, etc.

[0022] The computer device may also include a network device and / or a user device, wherein the network device includes, but is not limited to, a single network server, a server group consisting of multiple network servers, or a cloud consisting of a large number of hosts or network servers based on cloud computing.

[0023] The server can be an independent server or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDN), as well as big data and artificial intelligence platforms.

[0024] Among them, Artificial Intelligence (AI) is the theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.

[0025] AI basic technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing technology, operation / interaction systems, mechatronics, etc. AI software technologies mainly include computer vision technology, robotics technology, biometrics technology, speech processing technology, natural language processing technology, and machine learning / deep learning.

[0026] The network where the computer device is located includes but is not limited to the Internet, a wide area network, a metropolitan area network, a local area network, a virtual private network (VPN), etc.

[0027] S10, in response to a charging request initiated by a target vehicle, the operator of the charging platform authenticates the charging request according to a trigger type of the charging request, and charges the target vehicle after the charging request is authenticated.

[0028] In this embodiment, the target vehicle may be an electric vehicle that needs to be charged.

[0029] In this embodiment, the charging request may include multiple trigger types, such as VIN (Vehicle Identification Number) code trigger, card swiping trigger, code scanning trigger, etc.

[0030] In this embodiment, the operator refers to the manager of the charging platform, who is responsible for operating and managing the charging platform.

[0031] In this embodiment, the operator of the charging platform authenticates the charging request according to the trigger type of the charging request, including: When the trigger type is a VIN code trigger, the operator detects whether the VIN code of the target vehicle is registered; when it is detected that the VIN code has been registered, the operator determines that the charging request has passed the authentication; or When the trigger type is a card swiping trigger, the operator detects whether the charging card of the target vehicle is on record; when it is detected that the charging card has been on record, the operator determines that the charging request has passed the authentication; or When the trigger type is code scanning trigger, the operator detects whether the triggerer of the charging request is a new user; when the triggerer is a new user, the operator sends authorization guidance information to the triggerer; when it is detected that the triggerer completes the authorization and re-triggers the charging request, the operator determines that the charging request has passed the authentication; Before determining that the charging request has passed authentication, the operator detects the account balance of the target vehicle, and when the account balance is greater than or equal to a configured value, the operator determines that the charging request has passed authentication.

[0032] The configuration value can be customized. For example, when the minimum consumption is X yuan, the configuration value can be X yuan, so as to avoid charging when the balance in the account is insufficient and causing economic losses to the operator.

[0033] For example, when the trigger type is a VIN code trigger, the gun can be inserted to identify whether the vehicle has been registered. If it has been registered, the balance can be checked to see if it is sufficient. When the vehicle has been registered and the balance is sufficient, the charging device is started to charge the target vehicle until charging is completed (i.e. the electric vehicle SOC (State-of-Charge) reaches 100%) or charging is stopped when the balance is insufficient. When the target vehicle has not been registered and / or the balance is insufficient, charging is prohibited.

[0034] For another example: when the trigger type is a card swipe trigger, the charging card information can be identified to detect whether the vehicle has been registered. If it has been registered, the balance can be detected to determine whether it is sufficient. When the vehicle has been registered and the balance is sufficient, the charging device is started to charge the target vehicle until charging is completed or the balance is insufficient. When the target vehicle has not been registered and / or the balance is insufficient, charging is prohibited.

[0035] For another example: when the trigger type is a scan code trigger, the user can enter the mini program by scanning the specified barcode. At this time, it is detected whether the triggerer is a new user. If it is a new user, the user can be requested to authorize the location, contact information, etc. to register the new user. After the registration is completed, when waiting for the user to scan the code again, the authentication of the charging request can be completed according to the scan code information. At the same time, after scanning the code, it can also be detected whether there is an order under the user account. If so, the charging status is displayed to the user; if not, the order is confirmed with the user, and the balance is detected at the same time. If the balance is insufficient, the user is prompted to recharge. If the balance is sufficient, the charging device is started to charge the target vehicle. When it is detected that the user manually ends the charging, or the balance is insufficient, or the electric vehicle SOC (State-of-Charge, battery state of charge) reaches 100%, or the gun drawing operation is detected, or the platform remotely stops charging, or the charging device exceeds the threshold, the charging is stopped.

[0036] After detecting that charging is completed, the current order can be settled and the charging fee can be deducted from the account of the target vehicle.

[0037] In the above embodiment, charging requests of different trigger types can be authenticated in a targeted manner, and the charging operation of the target vehicle is performed after the authentication, thereby improving the safety of the charging operation.

[0038] S11, when the target vehicle completes charging, the supervisor obtains and saves the charging fee.

[0039] In this embodiment, the supervisor may be a supervisory account under a financial institution, which is used to safely store the charging fees without incurring additional fees.

[0040] S12, the operator collects charging information and verifies the charging information.

[0041] In this embodiment, the charging information may include, but is not limited to, a combination of one or more of the following information: Charging vehicle information, charging start time, charging end time, charging amount, etc.

[0042] In this embodiment, the verifying the charging information includes: The operator performs data format verification on the charging information; When the charging information passes the data format verification, the operator performs a data range verification on the charging information; When the charging information passes the data range check, the operator performs a logical relationship check on the charging information; When the charging information passes the logical relationship check, the operator performs a consistency check on the charging information; When the charging information passes the consistency check, the operator determines that the charging information passes the verification; or When the charging information fails to pass the data format check, or the charging information fails to pass the data range check, or the charging information fails to pass the logical relationship check, or the charging information fails to pass the consistency check, the operator determines that the charging information fails to pass the check.

[0043] For example: when performing data format verification, you can check whether the data syntax is correct based on the data type and definition rules, such as whether the date format conforms to the "YYYY-MM-DD" specification, whether the mobile phone number is 11 digits, etc.; you can also ensure that the uploaded data conforms to the predetermined data type, such as the charging time should be numeric data, the charging pile number should be character data, etc., to prevent data type mismatch errors.

[0044] Another example: when performing data range verification, you can pre-set a reasonable range for each type of data and check whether the charging information is within the range. For example, the charging capacity is usually within a reasonable range and cannot be negative or far beyond the normal charging capacity. The charging time also has a certain upper and lower limit. If an abnormally long or short time occurs, further verification is required. For some data with a fixed value range, such as the charging status (charging, fully charged, faulty, etc.), check whether it is one of the predefined enumeration values ​​to avoid invalid status values.

[0045] For example: when performing logical relationship verification, check whether the logical association between the data is correct, such as the charging end time should be greater than the charging start time, and there should be a reasonable proportional relationship between the charging power and the charging time. If the charging time is very short but the power is very high, there may be data errors; perform logical verification of the data according to the specific rules of the charging business. For example, at the same time, a charging pile can only charge one car. If there is a data record of the same charging pile charging multiple cars at the same time, it violates the business rules.

[0046] Another example: when performing consistency checks, compare and analyze with historical data to see if there are obvious anomalies in the data. For example, if the charging data of a charging pile has been at a relatively stable level, and suddenly there is a large fluctuation, the accuracy of the data needs to be checked; if there are multiple data sources that can obtain charging-related data, such as charging pile equipment records, charging platform records, and meter records, these data are cross-checked to ensure data consistency. If there are differences, further investigate the cause and find the correct data.

[0047] Through the above embodiments, the charging information can be fully verified before uploading the charging information to the clearing and settlement terminal of the charging platform.

[0048] S13, when the charging information passes the verification, the operator uploads the charging information to the clearing and settlement terminal of the charging platform through a unified interface in real time based on the transmission optimization technology.

[0049] In this embodiment, the charging platform clearing and settlement end refers to an end of the charging platform used for clearing and settlement.

[0050] In this embodiment, after uploading the charging information to the clearing and settlement end of the charging platform through a unified interface in real time, the clearing and settlement end of the charging platform can detect whether the received data is consistent by calculating a check code, such as calculating the check code by a CRC (Cyclic Redundancy Check) check algorithm, an MD5 (MD5 Message-Digest Algorithm) hash algorithm, etc., so as to further detect whether there is an abnormality in the data transmission process and ensure the accuracy of the data.

[0051] In this embodiment, the operator uploads the charging information to the charging platform clearing and settlement terminal in real time through a unified interface based on the transmission optimization technology, including: When the charging information passes the verification, the operator uploads the charging information to the clearing and settlement terminal of the charging platform in real time; The operator synchronously stores the charging information in a local cache, and marks the charging information in the local cache according to whether it has been uploaded to the clearing and settlement terminal of the charging platform; When it is detected that the network connection between the operator and the charging platform clearing and settlement terminal is interrupted, the operator starts the backup communication link, and continues to upload the charging information in the local cache to the charging platform clearing and settlement terminal through the backup communication link based on the mark of the charging information in the local cache; The information uploaded to the clearing and settlement terminal of the charging platform in the local cache is deleted at every preset time interval.

[0052] The preset time interval can be configured according to actual needs, such as 30 days.

[0053] For example, a cache space can be set in the charging pile device to temporarily store charging-related data (such as charging start time, real-time power, charging duration, etc.) locally. In this way, when the transmission is abnormal due to network instability, once the network returns to normal, the data in the local cache can be automatically detected and uploaded in chronological order. At the same time, data markers are set to avoid repeated data uploads, and successfully uploaded data will no longer be transmitted repeatedly. In addition, due to the use of a backup communication link, when the main link network is unstable, it can also quickly switch to the backup link, thereby avoiding affecting the transmission efficiency and improving the efficiency of clearing and settlement. At the same time, the unified interface also ensures the security and reliability of data transmission.

[0054] S14, the charging platform clearing and settlement terminal generates a separate bill according to the account splitting strategy agreed with the partner, and sends the separate bill to the clearing and settlement terminal of the financial institution.

[0055] In this embodiment, before the charging platform clearing and settlement terminal generates a split bill according to the split bill strategy agreed with the partner, the method further includes: The said cooperation party submits a market joining application to the financial institution to which the said financial institution clearing and settlement terminal belongs; When the partner passes the market joining application, the operator creates account information at the clearing and settlement terminal of the charging platform, and sends a review application to the financial institution based on the account information; When the account information passes the review, the operator configures the account sharing cycle and the account sharing ratio as the account sharing strategy, and sends the account information to the partner.

[0056] In the above embodiment, the access operation of clearing and settlement is implemented to achieve the association of various partners.

[0057] In this embodiment, the financial institution clearing and settlement end refers to an end in a financial institution used to perform clearing and settlement.

[0058] In this embodiment, the account splitting strategy may include an account splitting cycle, an account splitting ratio, etc.

[0059] In this embodiment, the accounts may be divided according to the T+N mode, such as before 24:00 on the same day.

[0060] S15, the clearing and settlement end of the financial institution divides the accounts according to the division invoice to obtain the division results, and obtains funds from the regulator according to the division results and distributes them to the partner.

[0061] In this embodiment, the clearing and settlement end of the financial institution directly obtains funds from the regulator according to the account division results and sends them to the partner. The funds do not need to pass through other channels, thus ensuring the security of the flow of funds.

[0062] In this embodiment, the method further includes: When there is a refund event, the operator detects the triggering time and refund amount of the refund event; When the trigger time is before the account split, the supervisor will return the refund amount by the original route; When the trigger time is after the bill split, the operator offsets the refund amount from the next charging fee.

[0063] In this embodiment, after the account splitting result is obtained from the supervisor and sent to the partner, the method further includes: According to the preset cycle, the operator provides the first charging information generated in the current cycle, the financial institution provides the first charging fee and first account splitting information received in the current cycle, and the partner provides the second order data and second charging information confirmed in the current cycle; When the first charging information is the same as the second charging information, the first charging fee matches the first account splitting information, and the first account splitting information matches the second order data, the partner determines that the reconciliation is correct.

[0064] For example: every month, the charging platform (i.e., the operator) provides charging data as the first charging information, the financial institution provides the account arrival and account splitting data as the first charging fee and the first account splitting information, and the partner confirms the order data and the charging data as the first charging fee and the first account splitting information; if the first charging information is the same as the second charging information and is correct; if the first charging fee is correct as the first account splitting information and the first account splitting information is correct; if the first account splitting information is correct as the second order data, then the partner reconciliation can be completed.

[0065] Of course, you can also check the charging meter readings and the power supply agency's monthly charging meter readings and charging payment lists every month to further ensure the accuracy of the data.

[0066] It can be seen from the above technical solutions that the present invention can authenticate the charging request according to the trigger type of the charging request, and charge the target vehicle after the charging request is authenticated, thereby improving the safety of the charging platform; after the operator collects and verifies the charging information, the charging information is uploaded to the clearing and settlement end of the charging platform through a unified interface in real time based on the transmission optimization technology. The unified interface can ensure the integrity of the charging information, and combined with the transmission optimization technology, it can further ensure the accurate transmission of data and reduce the error rate; the clearing and settlement end of the charging platform generates a split bill according to the account splitting strategy agreed with the partner, and the clearing and settlement end of the financial institution splits the account according to the split bill, and obtains funds from the regulator based on the account splitting results and distributes them to the partner, thereby ensuring that the charging costs are reasonably and efficiently allocated.

[0067] like Figure 2 As shown, it is a functional module diagram of a preferred embodiment of the charging platform clearing and settlement system of the present invention. The charging platform clearing and settlement system 11 includes the operator 110 of the charging platform, the regulator 111, the charging platform clearing and settlement terminal 112, and the financial institution clearing and settlement terminal 113. The module / unit referred to in the present invention refers to a series of computer program segments that can be executed by a processor and can perform fixed functions, which are stored in a memory. In this embodiment, the functions of each module / unit will be described in detail in subsequent embodiments.

[0068] The operator 110 of the charging platform is used to respond to the charging request initiated by the target vehicle, authenticate the charging request according to the trigger type of the charging request, and charge the target vehicle after the charging request is authenticated; The supervisor 111 is used to obtain and save the charging fee when the target vehicle completes charging; The operator 110 is further used to collect charging information and verify the charging information; The operator 110 is further configured to upload the charging information to the charging platform clearing and settlement terminal 112 in real time when the charging information passes the verification; The charging platform clearing and settlement terminal 112 is used to generate a split bill according to the splitting strategy agreed with the partner, and send the split bill to the financial institution clearing and settlement terminal 113; The financial institution clearing and settlement terminal 113 is used to divide the accounts according to the divided bill to obtain the account division results, and obtain funds from the regulator 111 according to the account division results and distribute them to the partner.

[0069] It can be seen from the above technical solutions that the present invention can authenticate the charging request according to the trigger type of the charging request, and charge the target vehicle after the charging request is authenticated, thereby improving the safety of the charging platform; after the operator collects and verifies the charging information, the charging information is uploaded to the clearing and settlement end of the charging platform through a unified interface in real time based on the transmission optimization technology. The unified interface can ensure the integrity of the charging information, and combined with the transmission optimization technology, it can further ensure the accurate transmission of data and reduce the error rate; the clearing and settlement end of the charging platform generates a split bill according to the account splitting strategy agreed with the partner, and the clearing and settlement end of the financial institution splits the account according to the split bill, and obtains funds from the regulator based on the account splitting results and distributes them to the partner, thereby ensuring that the charging costs are reasonably and efficiently allocated.

[0070] like Figure 3 The figure is a schematic diagram of the structure of a computer device of a preferred embodiment of the charging platform clearing and settlement method of the present invention.

[0071] The computer device 1 may include a memory 12, a processor 13 and a bus (the arrow in the figure represents the bus), and may also include a computer program stored in the memory 12 and executable on the processor 13, such as a charging platform clearing and settlement program.

[0072] Those skilled in the art will appreciate that the schematic diagram is merely an example of the computer device 1 and does not constitute a limitation on the computer device 1. The computer device 1 may be a bus-type structure or a star-type structure. The computer device 1 may also include more or less other hardware or software than shown in the diagram, or a different arrangement of components. For example, the computer device 1 may also include input and output devices, network access devices, etc.

[0073] It should be noted that the computer device 1 is only an example, and other existing or future electronic products that are suitable for the present invention should also be included in the protection scope of the present invention and included here by reference.

[0074] Among them, the memory 12 includes at least one type of readable storage medium, and the readable storage medium includes flash memory, mobile hard disk, multimedia card, card-type memory (for example: SD or DX memory, etc.), magnetic memory, disk, optical disk, etc. In some embodiments, the memory 12 can be an internal storage unit of the computer device 1, such as a mobile hard disk of the computer device 1. In other embodiments, the memory 12 can also be an external storage device of the computer device 1, such as a plug-in mobile hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (SecureDigital, SD) card, a flash card (Flash Card), etc. equipped on the computer device 1. Further, the memory 12 can also include both an internal storage unit of the computer device 1 and an external storage device. The memory 12 can not only be used to store application software and various types of data installed on the computer device 1, such as the code of the charging platform clearing and settlement program, but also can be used to temporarily store data that has been output or is to be output.

[0075] In some embodiments, the processor 13 may be composed of an integrated circuit, for example, a single packaged integrated circuit, or a plurality of packaged integrated circuits with the same or different functions, including one or more central processing units (CPUs), microprocessors, digital processing chips, graphics processors, and combinations of various control chips. The processor 13 is the control core (Control Unit) of the computer device 1, and uses various interfaces and lines to connect the various components of the entire computer device 1, and executes or executes programs or modules stored in the memory 12 (for example, executing charging platform clearing and settlement programs, etc.), and calls data stored in the memory 12 to execute various functions of the computer device 1 and process data.

[0076] The processor 13 executes the operating system of the computer device 1 and various installed applications. The processor 13 executes the applications to implement the steps in the above-mentioned charging platform clearing and settlement method embodiments, for example Figure 1 Steps shown.

[0077] Exemplarily, the computer program may be divided into one or more modules / units, which are stored in the memory 12 and executed by the processor 13 to complete the present invention. The one or more modules / units may be a series of computer-readable instruction segments capable of completing specific functions, which are used to describe the execution process of the computer program in the computer device 1. For example, the computer program may be divided into the operator 110 of the charging platform, the regulator 111, the clearing and settlement end 112 of the charging platform, and the clearing and settlement end 113 of the financial institution.

[0078] The above-mentioned integrated unit implemented in the form of a software function module can be stored in a computer-readable storage medium. The above-mentioned software function module is stored in a storage medium, and includes a number of instructions for enabling a computer device (which can be a personal computer, a computer device, or a network device, etc.) or a processor to execute the part of the charging platform clearing and settlement method described in each embodiment of the present invention.

[0079] If the module / unit integrated in the computer device 1 is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the present invention implements all or part of the processes in the above-mentioned embodiment method, and can also be completed by instructing the relevant hardware devices through a computer program. The computer program can be stored in a computer-readable storage medium, and when the computer program is executed by a processor, the steps of each of the above-mentioned method embodiments can be implemented.

[0080] The computer program includes computer program code, which may be in source code form, object code form, executable file or some intermediate form, etc. The computer readable medium may include: any entity or device capable of carrying the computer program code, recording medium, USB flash drive, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (ROM), random access memory, etc.

[0081] Furthermore, the computer-readable storage medium may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function, etc.; the data storage area may store data created according to the use of the blockchain node, etc.

[0082] The blockchain referred to in this invention is a new application model of computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanism, encryption algorithm, etc. Blockchain is essentially a decentralized database, a string of data blocks generated by cryptographic methods. Each data block contains a batch of network transaction information, which is used to verify the validity of its information (anti-counterfeiting) and generate the next block. Blockchain can include the blockchain underlying platform, platform product service layer, and application service layer.

[0083] The bus can be a peripheral component interconnect (PCI) bus or an extended industry standard architecture (EISA) bus. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 3 The bus is represented by only one straight line, but it does not mean that there is only one bus or one type of bus. The bus is configured to realize the connection and communication between the memory 12 and at least one processor 13, etc.

[0084] Although not shown, the computer device 1 may also include a power source (such as a battery) for supplying power to various components. Preferably, the power source may be logically connected to the at least one processor 13 through a power management device, so that the power management device can realize functions such as charging management, discharging management, and power consumption management. The power source may also include any components such as one or more DC or AC power sources, recharging devices, power failure detection circuits, power converters or inverters, and power status indicators. The computer device 1 may also include a variety of sensors, Bluetooth modules, Wi-Fi modules, etc., which will not be repeated here.

[0085] Furthermore, the computer device 1 may also include a network interface. Optionally, the network interface may include a wired interface and / or a wireless interface (such as a WI-FI interface, a Bluetooth interface, etc.), which is usually used to establish a communication connection between the computer device 1 and other computer devices.

[0086] Optionally, the computer device 1 may further include a user interface, which may be a display, an input unit (such as a keyboard), or a standard wired interface or a wireless interface. Optionally, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, and an OLED (Organic Light-Emitting Diode) touch device. The display may also be appropriately referred to as a display screen or a display unit, which is used to display information processed in the computer device 1 and to display a visual user interface.

[0087] It should be understood that the embodiment is for illustration only and the scope of the patent application is not limited to this structure.

[0088] It can be understood by those skilled in the art that Figure 3 The structure shown does not constitute a limitation on the computer device 1, and may include fewer or more components than shown in the figure, or combine certain components, or arrange the components differently.

[0089] Combination Figure 1 The memory 12 in the computer device 1 stores a plurality of instructions to implement a charging platform clearing and settlement method, and the processor 13 can execute the plurality of instructions to implement: In response to a charging request initiated by a target vehicle, the operator of the charging platform authenticates the charging request according to a trigger type of the charging request, and charges the target vehicle after the charging request is authenticated; When the target vehicle completes charging, the supervisor obtains and saves the charging fee; The operator collects charging information and verifies the charging information; When the charging information passes the verification, the operator uploads the charging information to the clearing and settlement terminal of the charging platform in real time through a unified interface based on the transmission optimization technology; The charging platform clearing and settlement terminal generates a sub-invoice according to the account splitting strategy agreed with the partner, and sends the sub-invoice to the clearing and settlement terminal of the financial institution; The clearing and settlement end of the financial institution divides the accounts according to the division invoice to obtain the division results, and obtains funds from the regulator based on the division results and distributes them to the partner.

[0090] Specifically, the specific implementation method of the processor 13 for the above instructions can refer to Figure 1 The description of the relevant steps in the corresponding embodiments will not be repeated here.

[0091] It should be noted that the data involved in this case were all obtained legally. The software tools or components not provided by our company that appear in the embodiments of this application are only for illustrative purposes and do not represent actual use.

[0092] In the several embodiments provided by the present invention, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. For example, the device embodiments described above are only illustrative, for example, the division of the modules is only a logical function division, and there may be other division methods in actual implementation.

[0093] The present invention can be used in many general or special computer system environments or configurations. For example: personal computers, server computers, handheld or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set-top boxes, programmable consumer electronic devices, network PCs, minicomputers, mainframe computers, distributed computing environments including any of the above systems or devices, etc. The present invention can be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present invention can also be practiced in distributed computing environments, in which tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

[0094] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0095] In addition, each functional module in each embodiment of the present invention may be integrated into one processing unit, each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of hardware plus software functional modules.

[0096] It is obvious to those skilled in the art that the present invention is not limited to the details of the above exemplary embodiments, and that the present invention can be implemented in other specific forms without departing from the spirit or essential characteristics of the present invention.

[0097] Therefore, no matter from which point of view, the embodiments should be regarded as illustrative and non-restrictive, and the scope of the present invention is limited by the appended claims rather than the above description, so it is intended that all changes falling within the meaning and scope of the equivalent elements of the claims are included in the present invention. Any attached figure mark in the claims should not be regarded as limiting the claims involved.

[0098] In addition, it is clear that the word "comprising" does not exclude other units or steps, and the singular does not exclude the plural. Multiple units or devices stated in the present invention can also be implemented by one unit or device through software or hardware. The words first, second, etc. are used to indicate names, and do not indicate any particular order.

[0099] Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention rather than to limit it. Although the present invention has been described in detail with reference to the preferred embodiments, those skilled in the art should understand that the technical solution of the present invention can be modified or replaced by equivalents without departing from the spirit and scope of the technical solution of the present invention.

Claims

1. A charging platform clearing and settlement method, characterized in that: The charging platform clearing and settlement method comprises: In response to a charging request initiated by a target vehicle, the operator of the charging platform authenticates the charging request according to a trigger type of the charging request, and charges the target vehicle after the charging request is authenticated; When the target vehicle completes charging, the supervisor obtains and saves the charging fee; The operator collects charging information and verifies the charging information; When the charging information passes the verification, the operator uploads the charging information to the clearing and settlement terminal of the charging platform in real time through a unified interface based on the transmission optimization technology; The charging platform clearing and settlement terminal generates a sub-invoice according to the account splitting strategy agreed with the partner, and sends the sub-invoice to the clearing and settlement terminal of the financial institution; The clearing and settlement end of the financial institution divides the accounts according to the division invoice to obtain the division results, and obtains funds from the regulator based on the division results and distributes them to the partner.

2. The charging platform clearing and settlement method according to claim 1, characterized in that: The operator of the charging platform authenticates the charging request according to the trigger type of the charging request, including: When the trigger type is a VIN code trigger, the operator detects whether the VIN code of the target vehicle is registered; when it is detected that the VIN code has been registered, the operator determines that the charging request has passed the authentication; or When the trigger type is a card swiping trigger, the operator detects whether the charging card of the target vehicle is on record; when it is detected that the charging card has been on record, the operator determines that the charging request has passed the authentication; or When the trigger type is code scanning trigger, the operator detects whether the triggerer of the charging request is a new user; when the triggerer is a new user, the operator sends authorization guidance information to the triggerer; when it is detected that the triggerer completes the authorization and re-triggers the charging request, the operator determines that the charging request has passed the authentication; Before determining that the charging request has passed authentication, the operator detects the account balance of the target vehicle, and when the account balance is greater than or equal to a configured value, the operator determines that the charging request has passed authentication.

3. The charging platform clearing and settlement method according to claim 1, characterized in that: The verifying the charging information includes: The operator performs data format verification on the charging information; When the charging information passes the data format verification, the operator performs a data range verification on the charging information; When the charging information passes the data range check, the operator performs a logical relationship check on the charging information; When the charging information passes the logical relationship check, the operator performs a consistency check on the charging information; When the charging information passes the consistency check, the operator determines that the charging information passes the verification; or When the charging information fails to pass the data format check, or the charging information fails to pass the data range check, or the charging information fails to pass the logical relationship check, or the charging information fails to pass the consistency check, the operator determines that the charging information fails to pass the check.

4. The charging platform clearing and settlement method according to claim 1, characterized in that: Before the charging platform clearing and settlement terminal generates a split bill according to the split bill strategy agreed with the partner, the method further includes: The said cooperation party submits a market joining application to the financial institution to which the said financial institution clearing and settlement terminal belongs; When the partner passes the market joining application, the operator creates account information at the clearing and settlement terminal of the charging platform, and sends a review application to the financial institution based on the account information; When the account information passes the review, the operator configures the account sharing cycle and the account sharing ratio as the account sharing strategy, and sends the account information to the partner.

5. The charging platform clearing and settlement method according to claim 1, characterized in that: The operator uploads the charging information to the charging platform clearing and settlement terminal in real time through a unified interface based on transmission optimization technology, including: When the charging information passes the verification, the operator uploads the charging information to the clearing and settlement terminal of the charging platform in real time; The operator temporarily stores the charging information in a local cache, and marks the charging information in the local cache according to whether it has been uploaded to the clearing and settlement terminal of the charging platform; When it is detected that the network connection between the operator and the charging platform clearing and settlement terminal is interrupted, the operator starts the backup communication link, and continues to upload the charging information in the local cache to the charging platform clearing and settlement terminal through the backup communication link based on the mark of the charging information in the local cache; The information uploaded to the clearing and settlement terminal of the charging platform in the local cache is deleted at every preset time interval.

6. The charging platform clearing and settlement method according to claim 1, characterized in that: The method further comprises: When there is a refund event, the operator detects the triggering time and refund amount of the refund event; When the trigger time is before the account split, the supervisor will return the refund amount by the original route; When the trigger time is after the bill split, the operator offsets the refund amount from the next charging fee.

7. The charging platform clearing and settlement method according to claim 1, characterized in that: After obtaining funds from the supervisor according to the account splitting result and sending them to the partner, the method further includes: According to the preset cycle, the operator provides the first charging information generated in the current cycle, the financial institution provides the first charging fee and first account splitting information received in the current cycle, and the partner provides the second order data and second charging information confirmed in the current cycle; When the first charging information is the same as the second charging information, the first charging fee matches the first account splitting information, and the first account splitting information matches the second order data, the partner determines that the reconciliation is correct.

8. A charging platform clearing and settlement system, characterized in that: The charging platform clearing and settlement system includes: The operator of the charging platform is used to respond to the charging request initiated by the target vehicle, authenticate the charging request according to the trigger type of the charging request, and charge the target vehicle after the charging request is authenticated; The supervisor is used to obtain and save the charging fee when the target vehicle completes charging; The operator is further used to collect charging information and verify the charging information; The operator is further configured to upload the charging information to a clearing and settlement terminal of the charging platform in real time when the charging information passes the verification; The charging platform clearing and settlement terminal is used to generate a split bill according to the splitting strategy agreed with the partner, and send the split bill to the clearing and settlement terminal of the financial institution; The clearing and settlement terminal of the financial institution is used to divide the accounts according to the divided invoice to obtain the account division results, and obtain funds from the regulator according to the account division results and distribute them to the partner.

9. A computer device, characterized in that: The computer device comprises: a memory storing at least one instruction; and A processor executes instructions stored in the memory to implement the charging platform clearing and settlement method as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores at least one instruction, and the at least one instruction is executed by a processor in a computer device to implement the charging platform clearing and settlement method as described in any one of claims 1 to 7.

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