Charging equipment information processing method, device and system and storage medium

Abstract

The invention relates to a charging equipment information processing method, device and system and a storage medium, relates to the technical field of data processing, can be applied to the fields of finance, vehicle charging equipment leasing and the like, and at least solves the problems of low communication reach rate and low reminding efficiency caused by single communication reminding mode and information content style. The method comprises the following steps: determining target charging income information generated by target charging equipment within a preset time, and determining target renting cost information of renting the target charging equipment within the preset time; determining a target payment level of a target charging income account of a target equipment renting end of the target charging equipment according to the target charging income information and the target renting cost information; and according to the target payment level and the target overdue information of the target equipment renting end, determining a target deduction mode for deducting from the target equipment renting end, and according to a target information reaching mode corresponding to the target deduction mode, reaching the target prompt information to the target equipment renting end.

Description

Technical Field

[0001] The present disclosure relates to the technical field of data processing, and can be applied to fields such as finance and vehicle charging equipment leasing. In particular, it relates to a method, device, system, and storage medium for processing charging equipment information. Background Art

[0002] Currently, financial enterprises such as financial leasing companies and banks will carry out financing business related to charging equipment (such as charging piles). In order to ensure the security of charging equipment-related assets when implementing relevant financing business, it is necessary to urge customers to pay rent on time and in full (that is, recover the rental cost). The current methods for urging tenants to pay rent all use a unified communication prompt method and a unified information content style to remind rental users to pay rent, which can only be applied to a single rental business scenario and is not applicable to multiple rental business scenarios. Its communication reach rate is low and the reminder efficiency is low, resulting in a poor user experience for rental users. Summary of the Invention

[0003] The present invention provides a method, device, system, and storage medium for processing charging equipment information to at least solve the problems of low communication reach rate, low reminder efficiency, and poor user experience of rental users caused by the single communication prompt method and information content style. The technical solution of the present invention is as follows:

[0004] According to the first aspect of the embodiments of the present invention, a method for processing charging equipment information is provided, which is applied to a charging system. The charging system includes a plurality of charging equipment and at least one equipment rental end. The plurality of charging equipment is supplied by an equipment supply end. The method includes: determining target charging income information generated by a target charging equipment within a preset time, and determining target rental cost information for renting the target charging equipment for the preset time; the target charging equipment is one or more charging equipment among the plurality of charging equipment that belong to the same target equipment rental end; according to the target charging income information and the target rental cost information, determining a target payment level of a target charging income account of the target equipment rental end of the target charging equipment; according to the target payment level and the target overdue information of the target equipment rental end, determining a target deduction method for deducting money from the target equipment rental end, and according to the target information reach method corresponding to the target deduction method, reaching a target reminder information indicating the target deduction method to the target equipment rental end.

[0005] As an implementation method, determining the target payment level of the target charging income account of the target device rental end of the target charging device according to the target charging income information and the target rental cost information includes: determining the ratio of the target charging income to the target rental cost as the target ratio; if the target ratio is greater than or equal to 1, the target payment level is the first payment level; if the target ratio is less than 1 and greater than the preset ratio, the target payment level is the second payment level; if the target ratio is less than the preset ratio, the target payment level is the third payment level.

[0006] As another implementation method, determining the target deduction method for deducting money from the target device rental end according to the target payment level and the target overdue information of the target device rental end, and reaching the target prompt information indicating the target deduction method to the target device rental end according to the target information reaching method corresponding to the target deduction method, includes: when the target payment level is the first payment level and the target overdue duration is less than the first preset duration, no payment prompt information is sent; the target overdue duration is the time difference between the current time and the preset payment time; when the target payment level is the first payment level and the target overdue duration is greater than or equal to the first preset duration, automatically deduct the target rental cost from the target income account, and send the first payment prompt information to the target device rental end according to the first reaching method; the first payment prompt information includes the payment information of automatically deducting money from the target income account of the target device rental end.

[0007] As another implementation method, the method further includes: when the target payment level is the second payment level and the target overdue duration is less than the second preset duration, sending the second payment prompt information according to the second triggering method; the second payment prompt information includes the balance to be replenished for the payment supplementary account; the balance to be replenished is the difference between the target rental cost and the target charging income; when the target payment level is the second payment level and the target overdue duration is greater than or equal to the second preset duration, deduct the target rental cost from the target income account and the payment supplementary account, and send the third payment prompt information to the target device rental end according to the third reaching method; the third payment prompt information is used for the deduction status information from the target income account and the payment supplementary account; when the target payment level is the second payment level and the target overdue duration is greater than or equal to the third preset duration, if the deduction of the balance to be replenished fails, adopt the fourth triggering method to reach the fourth payment prompt information to the target device rental end.

[0008] As another implementation manner, the method further includes: when the target payment level is the third payment level and the target overdue duration is less than the fourth preset duration, automatically deducting the target rental cost from the target income account and the payment supplement account, and sending a third payment prompt message to the target device rental end; the third payment prompt message is used for the deduction status information of the target income account and the payment supplement account; when the target payment level is the third payment level and the target overdue duration is greater than or equal to the fourth preset duration, if the deduction of the pending replenishment balance fails, then the fourth trigger method is adopted to reach the fourth payment prompt message to the target device rental end.

[0009] As another implementation manner, the method further includes: determining the target grace period according to the target payment level and the repayment credit level of the target device rental end; the target grace period includes: the first preset duration, the second preset duration, the third preset duration or the fourth preset duration.

[0010] As another implementation manner, determining the target charging income information generated by the target charging device within the preset time includes: obtaining the target charging order information of each target charging order of the target charging device according to the preset period; determining the target charging income according to the target charging order information; the duration of one preset period is the duration of the preset time; the target charging order information includes: the charging order number and the charging amount, charging quantity, charging time, and charging duration of each target charging order; determining the target rental cost information for renting the target charging device for the preset time includes: obtaining the total rental duration, rental type, rental area, and / or rental device model of the target charging device, and determining the target unit cost per unit time of renting; determining the target rental cost according to the target unit cost and the preset time.

[0011] According to the second aspect of the embodiments of the present invention, there is provided a charging device information processing device, which is applied to a charging system. The charging system includes a plurality of charging devices and at least one device rental end. The plurality of charging devices are supplied by a device supply end. The device includes: a first determination unit, configured to determine the target charging income information generated by the target charging device within the preset time, and determine the target rental cost information for renting the target charging device for the preset time; the target charging device is one or more charging devices among the plurality of charging devices that belong to the same target device rental end; a second determination unit, configured to determine the target payment level of the target charging income account of the target device rental end of the target charging device according to the target charging income information and the target rental cost information; a payment prompt unit, configured to determine the target deduction method for deducting money from the target device rental end according to the target payment level and the target overdue information of the target device rental end, and reach the target prompt message indicating the target deduction method to the target device rental end according to the target information reach method corresponding to the target deduction method.

[0012] According to a third aspect of the embodiments of the present invention, a charging device information processing system is provided, and the system is configured to execute the charging device information processing method as described in the first aspect and any possible implementation manner thereof.

[0013] According to a fourth aspect of the embodiments of the present invention, a computer-readable storage medium is provided. Instructions are stored on the computer-readable storage medium. When the instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute the charging device information processing method as described in the first aspect and any possible implementation manner thereof.

[0014] According to a fifth aspect of the embodiments of the present disclosure, a computer program product is provided. The computer program product includes computer instructions. When the computer instructions run on an electronic device, the electronic device is enabled to execute the charging device information processing method as described in the above-mentioned first aspect and any possible implementation manner thereof.

[0015] The technical solutions provided by the embodiments of the present invention at least bring the following beneficial effects: According to the charging income information and rental cost information of the charging device, which characterize the repayment ability of the rental user, the present application determines the payment level of the tenant. Then, based on the payment level and the current overdue information, the deduction method and the delivery method of the reminder information are determined to ensure that both the deduction method and the triggering method match the repayment ability and overdue status of the rental user, avoiding the risk of low information delivery efficiency caused by the mismatch between the deduction method and the triggering method and the actual situation of the rental user, thereby improving the usage experience of the rental user.

[0016] For different payment capabilities and different overdue situations, different deduction methods, different prompt messages, and different information delivery methods are respectively set, so as to adopt a differential deduction mode for deduction and a differential reminder mode for information reminder in different rental business scenarios, thereby ensuring that the deduction method, the content of the prompt message, and the information delivery method of the prompt message are more adaptable to the actual rental scenario.

[0017] It should be understood that the above general description and the following detailed description are only exemplary and explanatory, and cannot limit the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] The drawings here are incorporated into the specification and constitute a part of this specification, showing the embodiments that conform to the present disclosure, and are used together with the specification to explain the principles of the present disclosure, and do not constitute an improper limitation to the present disclosure.

[0019] Figure 1 is a schematic diagram of a charging system shown according to an exemplary embodiment;

[0020] Figure 2 is a framework schematic diagram of a charging pile operation platform shown according to an exemplary embodiment;

[0021] Figure 3 is a flowchart of a method for processing charging device information shown according to an exemplary embodiment;

[0022] Figure 4 is a block diagram of a device for processing charging device information shown according to an exemplary embodiment;

[0023] Figure 5 is a schematic diagram of a device for processing charging device information shown according to an exemplary embodiment. Detailed implementation manners

[0024] In order to enable those of ordinary skill in the art to better understand the technical solutions of the present disclosure, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below with reference to the accompanying drawings.

[0025] It should be noted that the terms "first", "second", etc. in the specification and claims of the present disclosure and the above-mentioned drawings are used to distinguish similar objects, and do not necessarily need to describe a specific order or sequence. It should be understood that such used data may be interchanged under appropriate circumstances so that the embodiments of the present disclosure described herein can be implemented in an order other than those illustrated or described herein. The implementation manners described in the following exemplary embodiments do not represent all implementation manners consistent with the present disclosure. On the contrary, they are merely examples of devices and methods consistent with some aspects of the present disclosure as detailed in the appended claims.

[0026] Before introducing the method for processing charging device information provided in the embodiments of the present application in detail, the application scenarios and implementation frameworks involved in the embodiments of the present application will be briefly introduced.

[0027] First, the application scenarios involved in the present application will be briefly introduced.

[0028] Currently, financial enterprises such as financial leasing companies and banks will carry out financing business related to charging devices (such as charging piles). In order to ensure the security of the assets related to the charging devices when implementing relevant financing business, it is necessary to urge customers to pay rent on time and in full (that is, recover the rental cost). The current methods for urging tenants to pay rent all adopt a unified communication prompt method and a unified information content style to remind rental users to pay rent, which can only be applied to a single rental business scenario and is not applicable to multiple rental business scenarios. Its communication reach rate is low and the reminder efficiency is low, resulting in a poor user experience for rental users.

[0029] It has been found that in some rent supervision methods, there is no distinction in the handling of customers' overdue payments, and a unified method is adopted. This method does not distinguish between customer categories and uniformly uses phone reminders, which is costly, inefficient, and likely to arouse customers' disgust, reducing the customer experience. For customers with very poor qualifications, no timely disposal measures are taken, missing the best treatment opportunity.

[0030] In some other rent supervision methods, after the rent due date, if the customer still has not paid the rent, the customer is urged to pay the rent by text message, phone call or in person. In this supervision method, it is very difficult to solve the problems of customers maliciously not paying the rent or still forgetting to pay.

[0031] In response to the above problems, the present application proposes a method for processing charging device information. According to the charging income information and rental cost information of the charging device, which characterize the repayment ability of the rental user, the payment level of the tenant is determined. Then, based on the payment level and the current overdue information, the deduction method and the delivery method of the reminder information are determined to ensure that both the deduction method and the triggering method match the repayment ability and overdue status of the rental user, avoiding the risk of low information delivery efficiency caused by the mismatch between the deduction method and the triggering method and the actual situation of the rental user, thereby improving the usage experience of the rental user.

[0032] For different payment capabilities and different overdue situations, different deduction methods, different prompt messages and different information delivery methods are respectively set, so as to adopt a differential deduction mode for deduction and a differential reminder mode for information reminder in different rental business scenarios, thereby ensuring that the deduction method, the content of the prompt message and the information delivery method of the prompt message are more adaptable to the actual rental scenario.

[0033] Secondly, a brief introduction to the implementation architecture involved in the present application is given below.

[0034] Figure 1 is a schematic diagram of a charging system provided by the present disclosure. As Figure 1 shown, the charging system includes a plurality of charging devices 11, a device supply end 12 and at least one device borrowing end 13. The charging devices 11, the device supply end 12 and the device borrowing end 13 are communicatively connected through a wired network or a wireless network.

[0035] The charging device 11 can be a charging pile. The charging device 11 supplied by the device supply end 12 is leased to the rental user of the device borrowing end 13. The device supply end 12 studies the rent recovery situation of the rental users of the device borrowing end 13.

[0036] As Figure 2As shown in the figure, a charging pile operation platform is correspondingly set at the supply end 12 of the device, including an internal system 121 and an external system 122. The internal system 121 includes a financing business system 1211 and a collection system 1212. The financing business system 1211 includes an income monitoring module 12111, a rent recovery mode control module 12112, a rent write-off module 12113, and a parameter configuration module 12114. The collection system 1212 includes a collection task distribution module 12121 and a collection progress feedback module 12122. The external system 122 includes a charging pile operation system 1221. The charging pile operation system 1221 includes a charging station management module 12211 and a rent withholding module 12212.

[0037] The above-mentioned charging pile operation system 1221 is used to support the operation of the charging station platform for the charging station. After an enterprise purchases a charging pile to complete the construction of the charging station, it usually needs to carry out charging service operations based on the charging operation platform. After the charging user completes the charging order, the paid charging fee will first go to the charging operation platform. After the enterprise applies for a cash withdrawal on the charging operation platform, the funds will be transferred to the enterprise account. It includes a charging station management module 12211 and a rent withholding module 12212, etc.

[0038] Specifically, the charging station management module 12211 is used to control the start and stop of charging of the charging pile, calculate the charging amount of the charging order, record the charging volume and charging duration of the charging order, etc., for the operation of the charging station.

[0039] This module has data on the operation of the charging pile, including at least two types of data: First, charging resource asset data: static data such as charging station name, charging station location, charging pile brand, charging pile power, charging pile serial number, etc. Second, operation data: data such as charging orders, charging amounts, charging volumes, charging times, charging durations, etc. generated due to charging operations.

[0040] The rent withholding module 12212 is used for the charging pile platform to withhold the receivable rent, etc. according to the requirements of financial enterprises, etc.

[0041] The above-mentioned financing business system 1211 is a system for financial institutions to carry out financing business, including an income monitoring module 12111, a rent recovery mode control module 12112, a rent write-off module 12113, a parameter configuration module 12114, etc.

[0042] Specifically, the income monitoring module 12111 is used to access the charging pile asset data and operation data of the financed customers through the charging pile operation system 1221. Through the asset data, it defines which charging piles are the charging pile assets corresponding to the financing. Through the operation data, it calculates data such as the charging income of the charging piles corresponding to the financing.

[0043] The rent recovery mode control module 12112 is used to judge the customer's current repayment ability by monitoring the ratio of the current charging income to the current rent, and adopt different rent recovery modes (the rent is withheld by the charging pile operation platform, and the charging pile operation platform usually charges a handling fee).

[0044] The rent verification module 12113 is used to verify (confirm the actually received rent amount) the paid rent and calculate the remaining rent payable in the current period. When the remaining rent payable in the current period is 0, the rent in the current period is verified and the rent payment in the current period is completed.

[0045] The parameter configuration module 12114 is used to configure the measurement time point of the rent coverage ratio, the rent coverage ratio threshold, the start withholding time point, etc.

[0046] The collection system 1212 is used for customers who need to recover rent. The collection tasks are dispatched and the collection progress is fed back through this collection system 1212.

[0047] For the sake of easy understanding, the charging device information processing method provided by the present application will be specifically introduced below in conjunction with the accompanying drawings. This charging device information processing method is applied to the above charging system or

[0048] Figure 3 is a flowchart of a charging device information processing method shown according to an exemplary embodiment. As Figure 3 shown, this charging device information processing method includes the following steps.

[0049] S11, determine the target charging income information generated by the target charging device within a preset time, and determine the target rental cost information for renting the target charging device for a preset time.

[0050] The target charging device is any one or more charging devices among multiple charging devices that belong to the same target device borrowing end.

[0051] The target charging income information includes the target charging income, and the target borrowing cost information includes the target borrowing cost. The borrowing cost is also called rent. The target borrowing cost is also called the target rent.

[0052] In the above step S11, determining the target charging income information generated by the target charging device within a preset time specifically includes: obtaining the target charging order information of each target charging order of the target charging device according to a preset cycle; determining the target charging income according to the target charging order information.

[0053] Among them, the duration of a preset cycle is the duration of the preset time; the target charging order information includes: the charging order number and the charging amount, charging quantity, charging time, and charging duration of each target charging order.

[0054] In the above step S11, determining the target rental cost information for the preset time of the target charging device to be rented includes: obtaining the total rental duration, rental type, rental area, and / or rental device model of the target charging device, and determining the target unit cost per unit time of the rental; determining the target rental cost based on the target unit cost and the preset time.

[0055] The above rental type may include temporary rental and long-term rental.

[0056] S12. Based on the target charging income information and the target rental cost information, determine the target payment level of the target charging income account of the target device rental end of the target charging device.

[0057] The target payment level represents the payment ability of the rental user to pay the target borrowing cost.

[0058] In some embodiments, the earlier the payment level, the stronger the payment ability.

[0059] Exemplarily, the payment ability of the first payment level is greater than that of the second payment level; the payment ability of the second payment level is greater than that of the third payment level.

[0060] S13. Based on the target payment level and the target overdue information of the target device rental end, determine the target deduction method for deducting money from the target device rental end, and according to the target information delivery method corresponding to the target deduction method, deliver the target prompt information indicating the target deduction method to the target device rental end.

[0061] The above target overdue information may include the following: the overdue duration of the target device rental end not paying on time (i.e., the target overdue duration), the reason for not paying on time, and the type of overdue.

[0062] Different device rental ends are set with different repayment times.

[0063] According to the corresponding relationship between the device rental end and the repayment time, determine the target repayment time of the target device rental end, so as to determine whether the target device rental end has not repaid, that is, whether it is overdue, based on the time difference between the current time and the target repayment time. If the time difference is greater than 0, it is overdue and the target overdue duration is this time difference; if the time difference is less than or equal to 0, it is not overdue and the target overdue duration is 0.

[0064] There is a stored association mapping relationship between different payment levels and different overdue information and the deduction method. And different deduction methods correspond to different information delivery methods. Different payment levels and different overdue information are associated with the timing of sending the prompt information.

[0065] The target deduction method, the target information delivery method, and the information content of the target prompt message are adapted to the payment ability and overdue situation of the rental users on the equipment rental side.

[0066] Through the above implementation method, based on the charging income information and rental cost information of the charging equipment, which characterize the repayment ability of the rental users, the payment level of the tenant is determined. Then, based on the payment level and the current overdue information, the deduction method and the delivery method of the reminder information are determined to ensure that both the deduction method and the triggering method match the repayment ability and overdue status of the rental users, avoiding the risk of low information delivery efficiency caused by the mismatch between the deduction method and the triggering method and the actual situation of the rental users, thereby improving the usage experience of the rental users.

[0067] For different payment abilities and different overdue situations, different deduction methods, different prompt messages, and different information delivery methods are respectively set to adopt a differential deduction mode for deduction and a differential reminder mode for information reminder in different rental business scenarios, thereby ensuring that the deduction method, the content of the prompt message, and the information delivery method of the prompt message are more adapted to the actual rental scenario.

[0068] In one implementation method, based on the rent coverage ratio, the target payment level in step S12 above is determined. The rent coverage ratio of the charging equipment refers to the ratio of the rental income of the charging equipment to its construction and operation costs. This indicator is used to evaluate the payment ability of the charging equipment. The specific implementation steps are as follows.

[0069] First, the ratio of the target charging income to the target rental cost is determined as the target ratio.

[0070] This target ratio is also called the target rent coverage ratio.

[0071] Second, if the target ratio is greater than or equal to 1, the target payment level is the first payment level.

[0072] If the target ratio is greater than 1, it means that the target charging income can fully cover the target rental cost and even has a surplus; if it is less than 1, it means that the target charging income is not enough to cover the target rental cost.

[0073] Third, if the target ratio is less than 1 and greater than the preset ratio, the target payment level is the second payment level.

[0074] This preset ratio is used to characterize the critical ratio of the charging income to the rental cost when a forced reminder or forced deduction is carried out.

[0075] In some implementation methods, the preset ratio is determined according to whether the target rental account is associated with a supplementary payment account and the historical payment information or historical repayment credit rating of the target rental account.

[0076] In another embodiment, the preset ratio is a preset fixed value (such as 0.9).

[0077] In yet another embodiment, the historical rent coverage ratio in the historical payment information for successful payments is fitted to obtain the preset ratio.

[0078] If the target ratio is less than 1 and greater than the preset ratio, it indicates that the repayment payment ability is relatively strong, and a certain grace period for deduction can be given, but no grace period can be given for the information sending time.

[0079] Fourthly, if the target ratio is less than or equal to the preset ratio, the target payment level is the third payment level.

[0080] If the target ratio is less than or equal to the preset ratio, it indicates that the repayment payment ability is weak, and no grace period for deduction can be given, nor can a grace period be given for the information sending time.

[0081] In this embodiment, the target payment level is accurately determined based on the rent coverage ratio.

[0082] Optionally, to ensure that the content of the payment reminder information matches the deduction method, different payment reminder information corresponds to different payment information templates. Specifically, the first payment reminder information is edited using the first payment information template, the second payment reminder information is edited using the second payment information template, the third payment reminder information is edited using the third payment information template, and the fourth payment reminder information is edited using the fourth payment information template.

[0083] Optionally, to ensure that the touch - reaching method matches the deduction method, the interference degree of different first touch - reaching methods is less than that of the second touch - reaching method, the interference degree of the second triggering method is less than that of the third triggering method, and the interference degree of the third triggering method is less than that of the fourth triggering method. For example, the interference degree is adjusted by adjusting the sending frequency of text messages.

[0084] The above - mentioned first touch - reaching method, second touch - reaching method, third triggering method, and fourth triggering method can be the same or different, and are specifically set according to specific usage requirements. This application does not make specific limitations.

[0085] As a first embodiment, to determine the target deduction method, target information touch - reaching method, and target reminder information in step S13 above, the specific steps are as follows.

[0086] First, when the target payment level is the first payment level and the target overdue duration is less than the first preset duration, no payment reminder information is sent.

[0087] The target overdue duration is the time difference between the current time and the preset payment time.

[0088] The first preset duration represents the first repayment grace period for non - repayment that can be accepted at this first payment level.

[0089] In this implementation step, the target payment level is the first payment level, and the target overdue duration is less than the first preset duration, indicating that the target charging income can fully cover the target rental cost, and there is no risk of credit default within the first preset time. Therefore, in order to avoid interfering with such high - quality rental users, no invalid payment reminder information is sent, and only wait for the rental user to make a repayment.

[0090] Second, when the target payment level is the first payment level and the target overdue duration is greater than or equal to the first preset duration, automatically deduct the target rental cost from the target income account, and send the first payment reminder information to the target device rental end according to the first contact method.

[0091] The first payment reminder information includes payment information of automatic deduction from the target income account of the target device rental end. The first trigger method can be text message and / or email.

[0092] In this implementation step, although the target charging income can fully cover the target rental cost, the overdue duration is too long. To avoid the risk of credit default, the rent is directly deducted automatically from the target income account after associated authorization. And to avoid excessive interference with other such relatively high - quality customers, the first contact method with less interference is used to reach the rental user.

[0093] As the second implementation method, determine the target deduction method, the target information contact method, and the target reminder information in step S13 above. The specific steps are as follows.

[0094] First, when the target payment level is the second payment level and the target overdue duration is less than the second preset duration, send the second payment reminder information according to the second trigger method.

[0095] The second payment reminder information includes the balance to be replenished for the payment supplementary account; the balance to be replenished is the difference between the target rental cost and the target charging income.

[0096] The second trigger method can be system phone reminder and / or sending text message reminders at a higher frequency.

[0097] In this implementation scenario, only reminder information is sent and no deduction is made.

[0098] Second, when the target payment level is the second payment level and the target overdue duration is greater than or equal to the second preset duration, deduct the target rental cost from the target income account and the payment supplementary account, and send the third payment reminder information to the target device rental end according to the third contact method.

[0099] The third payment prompt information is used for the deduction status information of the target income account and the payment supplement account. The deduction status information includes the information on whether the deduction from the payment supplement account is successful.

[0100] The third triggering method can be system intelligent phone prompts and / or more frequent intelligent phone reminders or more frequent text message reminders.

[0101] The specific deduction of the target rental cost from the target income account and the payment supplement account includes: if the deductions from both the target income account and the payment supplement account are successful, send the third payment prompt information on the rent amounts paid by each of them; or, if the deduction from the target income account is successful and the deduction from the payment supplement account fails, send the corresponding third payment prompt information.

[0102] In this implementation scenario, directly deduct from the combination of the target income account and the payment supplement account without giving a reminder preparation time, and at the same time send the corresponding prompt information.

[0103] Thirdly, when the target payment level is the second payment level and the target overdue duration is greater than or equal to the third preset duration, if the deduction of the outstanding balance fails, adopt the fourth triggering method to reach the fourth payment prompt information to the target device rental end.

[0104] The above three online intelligent reaching methods, namely the first reaching method, the second reaching method and the third reaching method. The fourth triggering method can adopt a more targeted method of manual phone reminder or manual offline reaching for mandatory reaching.

[0105] In this implementation scenario, for the part of the outstanding balance that has not been paid for a long time, adopt a mandatory execution method to reach the fourth payment prompt information.

[0106] As a third implementation method, determine the target deduction method, the target information reaching method and the target prompt information in step S13 above. The specific steps are as follows.

[0107] Firstly, when the target payment level is the third payment level and the target overdue duration is less than the fourth preset duration, automatically deduct the target rental cost from the target income account and the payment supplement account, and adopt the third reaching method to send the third payment prompt information to the target device rental end.

[0108] In this implementation scenario, directly deduct from the combination of the target income account and the payment supplement account without giving a reminder preparation time, and at the same time send the corresponding prompt information.

[0109] Secondly, when the target payment level is the third payment level and the target overdue duration is greater than or equal to the fourth preset duration, if the deduction of the outstanding balance fails, adopt the fourth triggering method to reach the fourth payment prompt information to the target device rental end.

[0110] In this implementation scenario, for the long-term unpaid part of the replenishment balance to be paid, the fourth payment reminder information is reached through enforcement.

[0111] Optionally, to ensure the rationality of the reminder information reach time, the target grace period is determined according to the target payment level and the repayment credit level of the target equipment rental end; the target grace period includes: the first preset period, the second preset period, the third preset period, or the fourth preset period.

[0112] This repayment credit level is determined according to the historical payment times and historical overdue time of the target equipment rental end.

[0113] As a specific rent recovery process is as follows. First, the rent recovery mode control module specifically determines the triggering method, deduction method, and reminder information in the above first to third implementation methods, and then based on this determination result, it is determined whether to trigger the collection system for collection.

[0114] Specifically, the rent recovery mode control module specifically implements the following four modes. Hereinafter, the lease user will be simply referred to as the customer.

[0115] In the first mode, when it is 2 days (here is an example, the number of days can be adjusted through the parameter configuration module) away from the rent payment due date (the rent coverage ratio measurement time point), for customers with a ratio (rent coverage ratio) greater than 1 time (here is an example, the ratio can be adjusted), wait for the customer to pay the rent by themselves. If the payment is not made after 2 days (the start time point of automatic deduction) from the due date, start automatic deduction through the automatic deduction function.

[0116] In the second mode, when it is 2 days (here is an example, the number of days can be adjusted through the parameter configuration module) away from the rent payment due date, for customers with a ratio greater than 0.9 times and less than 1 time (here is an example, the ratio can be adjusted), send a text message to notify the customer to prepare funds and pay the rent on schedule. If the payment is not made after 2 days from the due date, start automatic deduction through the automatic deduction function.

[0117] In the third mode, when it is 2 days (here is an example, the number of days can be adjusted through the parameter configuration module) away from the rent payment due date, for customers with a ratio less than 0.9 times (here is an example, the ratio can be adjusted), send a text message to notify the customer to prepare funds and pay the rent on schedule. If the payment is not made on the due date, immediately start automatic deduction through the automatic deduction function.

[0118] In the fourth mode, if within 15 days after the due date, the sum of the rent automatically deducted and the rent paid by the customer through other means is less than the current due rent, start a special collection process, such as a dedicated person to follow up, initiate a lawsuit process, etc.

[0119] Among them, the rent write-off module is used to write off (confirm the actually received rent amount) the paid rent and calculate the remaining rent payable for the current period. When the remaining rent payable for the current period is 0, the rent for the current period is written off and the rent payment for the current period is completed.

[0120] For the fourth mode, in the collection system, the collection task distribution module: takes the customers who recover rent in the fourth mode as the rent collection tasks and distributes them to specific executors.

[0121] In the collection system, the collection progress feedback module: is used for the collection executor to feedback the progress until the task ends.

[0122] In the above embodiments, different rent recovery methods are implemented for customers with different repayment abilities, avoiding undifferentiated reminders to customers. By means of withholding, the rent is recovered in a timely manner, ensuring the timely collection of rent. Different rent recovery methods are implemented for customers with different repayment abilities, avoiding undifferentiated reminders to customers, and also ensuring the timely recovery of rent, ensuring the timely collection of rent.

[0123] In some embodiments, the charging pile operation platform monitors the income of the financed charging pile assets, and then judges the current repayment ability of the financed customers. Then different rent recovery methods are implemented for customers with different repayment abilities, avoiding undifferentiated reminders to customers. At the same time, for customers with very poor qualifications, disposal means can be taken in a timely manner to grasp the best treatment opportunity. Secondly, for customers with low repayment willingness (the charging income is enough to pay the rent but they don't pay), poor repayment habits (don't pay on time and like to delay), and weak repayment ability (the charging income is not enough to pay most of the rent), the rent is recovered in a timely manner through the withholding method of the charging pile platform, ensuring the timely collection of rent. For the remaining part, after a certain period of time, if the rent cannot be fully paid even by withholding, the customers are urged to pay the rent manually, which greatly reduces the workload of business personnel in the process of rent recovery.

[0124] To implement the above functions, the charging device information processing device includes the corresponding hardware structure and / or software module for executing each function. Those skilled in the art should easily realize that, combining the algorithm steps of each example described in the embodiments disclosed in this article, this application can be implemented in the form of hardware or a combination of hardware and computer software. Whether a certain function is executed in the way of hardware or computer software driving hardware depends on the specific application and design constraints of the technical solution. Professional technicians can use different methods to implement the described functions for each specific application, but this implementation should not be considered to exceed the scope of this application.

[0125] The embodiments of the present disclosure also provide a kind of as Figure 4The charging device information processing device shown is applied to a charging system. The charging system includes multiple charging devices and at least one device rental end. The multiple charging devices are supplied by a device supply end. The device includes: a first determination unit 401, a second determination unit 402, and a payment prompt unit 403.

[0126] The first determination unit 401 is configured to determine the target charging income information generated by the target charging device within a preset time, and to determine the target rental cost information for renting the target charging device for the preset time; the target charging device is one or more charging devices among the multiple charging devices that belong to the same target device rental end.

[0127] The second determination unit 402 is configured to determine the target payment level of the target charging income account of the target device rental end of the target charging device according to the target charging income information and the target rental cost information.

[0128] The payment prompt unit 403 is configured to determine the target deduction method for deducting money from the target device rental end according to the target payment level and the target overdue information of the target device rental end, and to reach the target device rental end with the target prompt information indicating the target deduction method according to the target information reaching method corresponding to the target deduction method.

[0129] As an implementation manner, the second determination unit 402 is specifically configured to: determine the ratio of the target charging income to the target rental cost as the target ratio; if the target ratio is greater than or equal to 1, the target payment level is the first payment level; if the target ratio is less than 1 and greater than the preset ratio, the target payment level is the second payment level; if the target ratio is less than the preset ratio, the target payment level is the third payment level.

[0130] As another implementation manner, the payment prompt unit 403 is specifically configured to: when the target payment level is the first payment level and the target overdue duration is less than the first preset duration, no payment prompt information is sent; the target overdue duration is the time difference between the current time and the preset payment time; when the target payment level is the first payment level and the target overdue duration is greater than or equal to the first preset duration, automatically deduct the target rental cost from the target income account, and send the first payment prompt information to the target device rental end according to the first reaching method; the first payment prompt information includes the payment information of automatically deducting money from the target income account of the target device rental end.

[0131] As another implementation, the payment reminder unit 403 is specifically further configured to: when the target payment level is the second payment level and the target overdue duration is less than the second preset duration, send a second payment reminder message according to the second triggering method; the second payment reminder message includes the outstanding balance to be replenished for the payment supplementary account; the outstanding balance is the difference between the target rental cost and the target charging income; when the target payment level is the second payment level and the target overdue duration is greater than or equal to the second preset duration, deduct the target rental cost from the target income account and the payment supplementary account, and send a third payment reminder message to the target equipment rental end according to the third reaching method; the third payment reminder message is used for the deduction status information of the target income account and the payment supplementary account; when the target payment level is the second payment level and the target overdue duration is greater than or equal to the third preset duration, if the deduction of the outstanding balance fails, then adopt the fourth triggering method to reach the fourth payment reminder message to the target equipment rental end.

[0132] As another implementation, the payment reminder unit 403 is specifically further configured to: when the target payment level is the third payment level and the target overdue duration is less than the fourth preset duration, deduct the target rental cost from the target income account automatically and the payment supplementary account, and send a third payment reminder message to the target equipment rental end; the third payment reminder message is used for the deduction status information of the target income account and the payment supplementary account; when the target payment level is the third payment level and the target overdue duration is greater than or equal to the fourth preset duration, if the deduction of the outstanding balance fails, then adopt the fourth triggering method to reach the fourth payment reminder message to the target equipment rental end.

[0133] As another implementation, the payment reminder unit 403 is specifically further configured to: determine the target grace period according to the target payment level and the repayment credit level of the target equipment rental end; the target grace period includes: the first preset duration, the second preset duration, the third preset duration or the fourth preset duration.

[0134] As another implementation, the first determination unit 401 is specifically configured to: obtain the target charging order information of each target charging order of the target charging device according to a preset period; determine the target charging income according to the target charging order information; the duration of a preset period is the duration of the preset time; the target charging order information includes: the charging order number and the charging amount, charging quantity, charging time, charging duration of each target charging order.

[0135] The first determination unit 401 is specifically configured to: obtain the total rental duration, rental type, rental area and / or rental equipment model of the target charging device, and determine the target unit cost per unit time of rental; determine the target rental cost according to the target unit cost and the preset time.

[0136] Regarding the device in the above embodiments, the specific manners in which each unit module performs operations have been described in detail in the embodiments related to the method, and will not be elaborated herein.

[0137] Figure 5 is a schematic diagram of a charging device information processing device provided by the present application. As Figure 5 , the charging device information processing device 50 may include at least one processor 501 and a memory 503 for storing instructions executable by the processor. Among them, the processor 501 is configured to execute the instructions in the memory 503 to implement the charging device information processing method in the following embodiments.

[0138] In addition, the charging device information processing device 50 may further include a communication bus 502, at least one communication interface 504, an input device 506, and an output device 505.

[0139] The processor 501 may be a central processing unit (CPU), a microprocessing unit, an ASIC, or one or more integrated circuits for controlling the execution of the program of the present application solution.

[0140] The communication bus 502 may include a path for transmitting information between the above components.

[0141] The communication interface 504 uses any transceiver-like device for communicating with other devices or communication networks, such as Ethernet, radio access network (RAN), wireless local area networks (WLAN), etc.

[0142] The input device 506 is used to receive input signals and the output device 505 is used to output signals.

[0143] The memory 503 can be a read-only memory (ROM) or other types of static storage devices that can store static information and instructions, a random access memory (RAM) or other types of dynamic storage devices that can store information and instructions, or can also be an electrically erasable programmable read-only memory (EEPROM), a compact disc read-only memory (CD-ROM), or other optical disc storage, optical disc storage (including compact discs, laser discs, optical discs, digital versatile discs, Blu-ray discs, etc.), magnetic disk storage media, or other magnetic storage devices, or any other medium that can be used to carry or store the desired program code in the form of instructions or data structures and can be accessed by a computer, but is not limited thereto. The memory can exist independently and be connected to the processing unit through a bus. The memory can also be integrated with the processing unit.

[0144] Among them, the memory 503 is used to store the instructions for executing the solution of this application and is controlled by the processor 501 to execute. The processor 501 is used to execute the instructions stored in the memory 503, thereby implementing the functions in the method of this application.

[0145] In a specific implementation, as an embodiment, the processor 501 can include one or more CPUs, such as Figure 5 CPU0 and CPU1 in

[0146] In a specific implementation, as an embodiment, the charging device information processing device 50 can include multiple processors, such as Figure 5 the processor 501 and the processor 507 in

[0147] Each of these processors can be a single-core (single-CPU) processor or a multi-core (multi-CPU) processor. The processor here can refer to one or more devices, circuits, and / or processing cores for processing data (such as computer program instructions).

[0147] The charging device information processing device, as shown in Figure 5 includes: a processor 501 and a memory 503 for storing executable instructions of the processor 501; among them, the processor 501 is configured to execute the executable instructions to implement the charging device information processing method in any of the above possible implementation manners. And the same technical effects can be achieved. To avoid repetition, it will not be elaborated here.

[0148] The embodiments of the present application also provide a computer-readable storage medium. When the instructions in the computer-readable storage medium are executed by a processor of a charging device information processing apparatus or a charging device information processing device, the charging device information processing apparatus or the charging device information processing device can execute the charging device information processing method according to any of the above possible implementation manners, and can achieve the same technical effects. To avoid repetition, details are not described herein again.

[0149] The embodiments of the present application also provide a computer program product, including a computer program or instructions. The computer program or instructions are executed by a processor to perform the charging device information processing method according to any of the above possible implementation manners, and can achieve the same technical effects. To avoid repetition, details are not described herein again.

[0150] After considering the specification and practicing the invention disclosed herein, those skilled in the art will readily conceive of other embodiments of the present application. The present application is intended to cover any variations, uses, or adaptations of the present application, which follow the general principles of the present application and include known common knowledge or conventional technical means in the technical field not disclosed in the present application. The specification and embodiments are only regarded as exemplary, and the true scope and spirit of the present application are pointed out by the following claims.

[0151] It should be understood that the present application is not limited to the exact structures described above and shown in the drawings, and various modifications and changes can be made without departing from its scope. The scope of the present application is only limited by the appended claims.

Claims

1. A charging device information processing method, characterized in that: Applied to a charging system, the charging system includes a plurality of charging devices and at least one device rental end, the plurality of charging devices are supplied by a device supply end, and the method includes: Determine target charging income information generated by a target charging device within a preset time, and determine target rental cost information for renting the target charging device for the preset time; the target charging device is one or more charging devices belonging to the same target device rental end among the multiple charging devices; Determining a target payment level of a target charging income account of the target device rental end of the target charging device according to the target charging income information and the target rental cost information; According to the target payment level and the target overdue information of the target equipment rental end, a target deduction method for deducting money from the target equipment rental end is determined, and according to the target information access method corresponding to the target deduction method, the target prompt information indicating the target deduction method is delivered to the target equipment rental end.

2. The charging device information processing method according to claim 1, characterized in that: The target charging income information includes a target charging income and the target rental cost information includes a target rental cost; and determining a target payment level of a target charging income account of a target device rental end of the target charging device according to the target charging income information and the target rental cost information includes: The ratio of the target charging income to the target rental cost is determined as a target ratio; If the target ratio is greater than or equal to 1, the target payment level is the first payment level; If the target ratio is less than 1 and greater than a preset ratio, the target payment level is the second payment level; If the target ratio is less than the preset ratio, the target payment level is the third payment level.

3. The charging device information processing method according to claim 2, characterized in that: The step of determining a target deduction method for deducting money from the target device rental terminal according to the target payment level and the target overdue information of the target device rental terminal, and delivering target prompt information indicating the target deduction method to the target device rental terminal according to the target information delivery method corresponding to the target deduction method, includes: When the target payment level is the first payment level and the target overdue time is less than the first preset time, no payment prompt information is sent; the target overdue time is the time difference between the current time and the preset payment time; When the target payment level is the first payment level and the target overdue duration is greater than or equal to the first preset duration, the target rental cost is automatically deducted from the target income account, and a first payment reminder message is sent to the target device rental end in accordance with a first contact method; the first payment reminder message includes payment information automatically deducted from the target income account of the target device rental end.

4. The charging device information processing method according to claim 3, characterized in that: The method further comprises: When the target payment level is the second payment level and the target overdue duration is less than the second preset duration, a second payment reminder message is sent according to a second triggering method; the second payment reminder message includes a balance to be replenished for paying the replenishment account; the balance to be replenished is the difference between the target rental cost and the target charging income; When the target payment level is the second payment level and the target overdue duration is greater than or equal to the second preset duration, the target rental cost is deducted from the target income account and the payment supplement account, and a third payment reminder message is sent to the target device rental terminal in accordance with a third contact method; the third payment reminder message is used to obtain the deduction status information from the target income account and the payment supplement account; When the target payment level is the second payment level and the target overdue duration is greater than or equal to the third preset duration, if the deduction of the balance to be replenished fails, a fourth triggering method is used to send a fourth payment prompt message to the target device rental terminal.

5. The charging device information processing method according to claim 4, characterized in that: The method further comprises: When the target payment level is the third payment level and the target overdue duration is less than the fourth preset duration, the target rental cost is automatically deducted from the target income account and the payment supplement account, and the third contact method is used to send a third payment prompt message to the target device rental terminal; When the target payment level is the third payment level and the target overdue duration is greater than or equal to the fourth preset duration, if the deduction of the balance to be replenished fails, the fourth triggering method is used to send the fourth payment prompt information to the target device rental end.

6. The charging device information processing method according to any one of claims 3 to 5, characterized in that: The method further comprises: A target grace period is determined according to the target payment level and the repayment credit level of the target equipment rental terminal; the target grace period includes: the first preset period, the second preset period, the third preset period or the fourth preset period.

7. The charging device information processing method according to any one of claims 3 to 5, characterized in that: The determining of the target charging income information generated by the target charging device within the preset time includes: obtaining the target charging order information of each target charging order of the target charging device according to the preset cycle; determining the target charging income according to the target charging order information; the duration of one preset cycle is the duration of the preset time; the target charging order information includes: the charging order number and the charging amount, charging amount, charging time, and charging duration of each target charging order; The determining of target rental cost information for renting the target charging device for the preset time includes: The total rental time, rental type, rental area and / or rental equipment model of the target charging device are obtained to determine the target unit cost of the rental unit time; and the target rental cost is determined according to the target unit cost and the preset time.

8. A charging equipment information processing device, characterized in that: The charging system includes a plurality of charging devices and at least one device rental end, wherein the plurality of charging devices are supplied by a device supply end, and the device includes: A first determining unit is used to determine target charging income information generated by a target charging device within a preset time, and to determine target rental cost information of renting the target charging device for the preset time; the target charging device is one or more charging devices belonging to the same target device rental end among the multiple charging devices; A second determining unit, configured to determine a target payment level of a target charging income account of the target device rental end of the target charging device according to the target charging income information and the target rental cost information; A payment prompt unit is used to determine a target deduction method for deducting money from the target device rental end according to the target payment level and the target overdue information of the target device rental end, and to deliver target prompt information indicating the target deduction method to the target device rental end according to the target information access method corresponding to the target deduction method.

9. A charging system, characterized in that: The charging device information processing system is configured to execute the charging device information processing method according to any one of claims 1 to 7.

10. A computer-readable storage medium having instructions stored thereon, characterized in that: When the instructions in the computer-readable storage medium are executed by a processor of a charging device information processing device, the charging device information processing device is enabled to execute the charging device information processing method according to any one of claims 1 to 7.

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