CN101646153A - Payment system, method and related device of mobile telephone supporting roaming user - Google Patents
Payment system, method and related device of mobile telephone supporting roaming user Download PDFInfo
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- CN101646153A CN101646153A CN200910170117.3A CN200910170117A CN101646153A CN 101646153 A CN101646153 A CN 101646153A CN 200910170117 A CN200910170117 A CN 200910170117A CN 101646153 A CN101646153 A CN 101646153A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3223—Realising banking transactions through M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/64—On-line charging system [OCS]
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/66—Policy and charging system
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/80—Rating or billing plans; Tariff determination aspects
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/80—Rating or billing plans; Tariff determination aspects
- H04M15/8033—Rating or billing plans; Tariff determination aspects location-dependent, e.g. business or home
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/80—Rating or billing plans; Tariff determination aspects
- H04M15/8038—Roaming or handoff
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/24—Accounting or billing
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Abstract
The invention discloses a payment system, a method and a related device of mobile telephones supporting roaming users. The payment system comprises a payment service device at a roaming zone, a service gateway and a payment service device at an affiliation zone, wherein, the payment service device at the roaming zone is used for requesting the payment device at the affiliation zone to which the number of the roaming user belongs to carry out payment treatment on the roaming user through the service gateway when the roaming user accesses; the payment service device at the affiliation zone is used for carrying out treatment on payment request on the roaming user and notifying the payment treatment result to the payment service device at the roaming zone through the service gateway after finishing the payment service treatment. The invention introduces the service gateway to route certificate authority information and payment information to the affiliation zone of the user for service treatment from the service of the roaming zone, and the interactive process and the payment process are separated, thus reducing operational load and expenses and operational cost for the users.
Description
Technical field
The present invention relates to communication technical field, relate in particular to a kind of roamer's of support mobile phone paying system, method and relevant apparatus.
Background technology
Along with the development of computer and network technologies with popularize the growing growth of ecommerce.Phone-payment has obtained a large amount of application as a kind of means of payment.Phone-payment has characteristics easy to use, and the user only need can finish the overall process of payment by phone.Therefore, the customer group of phone-payment is extensive, and industrial applicability is strong.
But, traditional phone-payment has certain restriction to the user of mobile phone, the user must dial the professional of toll telephone access belonging area or is transferred to the business of ownership place by the business of roaming place automatically when the roaming place, the former has destroyed user experience, user's use burden and expense have been increased, and the latter has taken the toll trunk resource, has improved operation cost.
Summary of the invention
In view of above-mentioned analysis, the present invention aims to provide a kind of roamer's of support mobile phone paying system, method and relevant apparatus, must dial the professional of toll telephone access belonging area when solving the roamer that exists in the prior art by mobile phone paying or is transferred to the problem of the business of ownership place by the business of roaming place automatically.
Purpose of the present invention mainly is achieved through the following technical solutions:
The invention provides a kind of roamer's of support mobile phone paying system, comprising: roaming place payment transaction device, Service Gateway, ownership place payment transaction device, wherein,
Described roaming place payment transaction device is used for when having the roamer to insert, by described Service Gateway to the ownership place payment transaction device request at this roamer's number place to this roamer processing of paying;
Described ownership place payment transaction device is used for this roamer's payment request is handled; And after payment processes finishes, the payment processes result is notified to described roaming place payment transaction device by described Service Gateway.
Further, when described roaming place payment transaction device and described Service Gateway communication failure or described ownership place payment transaction device occur service can't be provided,
Described roaming place payment transaction device also is used for,
This roamer's of buffer memory user profile and accounts information carry out Certificate Authority and inquiry bill information, the processing of paying in this locality then to this roamer in advance according to it;
Perhaps, the processing of directly paying in this locality.
Further, described system also comprises: payment gateway and trade company's gateway, wherein,
Described payment gateway is used for the payment request according to this roamer, cooperates the processing of withholing with corresponding payment mechanism;
Described trade company gateway is used for the payment request according to this roamer, cooperates the affirmation of carrying out payment result to handle with corresponding trade company.
The present invention provides a kind of roamer's of support mobile phone paying method again, use a kind of mobile phone paying system that supports the roamer, described system comprises: roaming place payment transaction device, Service Gateway and ownership place payment transaction device, and described method comprises:
Steps A: when roamer's access roaming ground payment service apparatus, described roaming place payment transaction device by described Service Gateway to the ownership place payment transaction device request at this roamer's number place to this roamer processing of paying;
Step B: described ownership place payment transaction device is to this roamer processing of paying, and after payment processes finishes, gives described roaming place payment transaction device by described Service Gateway with the payment processes result notification.
Further, described steps A also comprises: when described roaming place payment transaction device and communication failure appears in described Service Gateway or described ownership place payment transaction device can't provide service, and when described ownership place payment transaction device this locality was cached with this roamer's user profile and bill information in advance, described steps A also comprised:
Described roaming place payment transaction device carries out Certificate Authority and inquiry bill information according to the user profile of buffer memory, then in this locality to this roamer processing of paying;
Perhaps, described roaming place payment transaction device directly in this locality to this roamer processing of paying.
The present invention also provides a kind of roaming place payment transaction device, comprising: judge module, authentication authorization request module and payment request module, wherein,
Described judge module is used for when having the user to insert, and judges that whether this user is the roamer, if be the roamer, then triggers described authentication authorization request module; If be the local user, then trigger described roaming place payment transaction device in this locality the payment request to this user handle;
Described authentication authorization request module is used for this roamer's authentication authorization request message is transmitted to by Service Gateway the ownership place payment transaction device at this roamer's number place; And determining that according to the next Certificate Authority response message of described Service Gateway forwarding Certificate Authority triggers described payment request module when successful;
Described payment request module is used for payment request message is transmitted to described ownership place payment transaction device by described Service Gateway.
Further, described payment request module specifically is used for,
Described authentication authorization request module is determined the Certificate Authority success according to described Certificate Authority result after, described payment request module and this roamer affirmation of bill information of paying, and after this roamer confirms Pay Bill information, payment request message is transmitted to described ownership place payment transaction device by described Service Gateway.
Further, when bill information was confirmed if described payment request module and this roamer pay, also user profile and the bill information with this roamer in the described Certificate Authority response message was buffered in this locality; Then when described roaming place payment transaction device and described Service Gateway communication failure or described ownership place payment transaction device occurred service can't be provided, described authentication authorization request module also was used for,
Carry out Certificate Authority and inquiry bill information according to this roamer's of local cache user profile, trigger then described roaming place payment transaction device in this locality the payment request to this user handle; Perhaps, according to described Service Gateway transmit the Certificate Authority response message of coming determine Certificate Authority success back trigger described roaming place payment transaction device in this locality the payment request to this user handle.
The present invention also provides a kind of ownership place payment transaction device, comprising: Certificate Authority processing module and payment processes module,
Described Certificate Authority processing module after the authentication authorization request message that is used for transmitting according to Service Gateway is carried out the Certificate Authority success to this roamer, is transmitted to roaming place payment transaction device with the Certificate Authority response message by giving described Service Gateway;
Described payment processes module is used for transmitting according to described Service Gateway the roamer's who comes payment request, by corresponding payment gateway and trade company's gateway to this roamer processing of paying.
Further, described payment processes module specifically is used for,
Transmit the roamer's who comes payment request according to described Service Gateway, transmit the request message of withholing by described payment gateway and give corresponding payment mechanism and give corresponding trade company, and carry out paying response message to described roaming place payment transaction device by described Service Gateway transmission behind the log record according to withhold response message and payment result notice response message that it is received by described trade company gateway forwards payment result notification request message.
Beneficial effect of the present invention is as follows:
The present invention handles route certificate authority information and payment message by introducing Service Gateway from the business that the roaming place business is routed to user ascription area, reciprocal process and payment transaction process are separated, farthest reduce user's operation burden and expense, also greatly reduced the cost of operation.
Other features and advantages of the present invention will be set forth in the following description, and becoming apparent from specification of part perhaps understood by implementing the present invention.Purpose of the present invention and other advantages can realize and obtain by specifically noted structure in the specification of being write, claims and accompanying drawing.
Description of drawings
Fig. 1 is the structural representation of the described system of the embodiment of the invention;
Fig. 2 is the schematic flow sheet of the described method of the embodiment of the invention;
Fig. 3 is the structural representation of the described roaming place of embodiment of the invention payment transaction device;
Fig. 4 is the structural representation of the described ownership place payment transaction of embodiment of the invention device.
Embodiment
The objective of the invention is to, a kind of roamer's of support mobile phone paying system, method and relevant apparatus are provided, must have dialed the professional of toll telephone access belonging area when solving the roamer that exists in the prior art or be transferred to the problem of the business of ownership place by the business of roaming place automatically by mobile phone paying.
Specifically describe preferential embodiment of the present invention below in conjunction with accompanying drawing, wherein, accompanying drawing constitutes the application's part, and is used from explaination principle of the present invention with embodiments of the invention one.For clear and simplification purpose, when it may make theme of the present invention smudgy, with specifying in detail of known function and structure in the omission device described herein.
The 1 couple of described support of embodiment of the invention roamer's mobile phone paying system is elaborated at first in conjunction with the accompanying drawings.
As shown in Figure 1, Fig. 1 is the structural representation of the described support of embodiment of the invention roamer's mobile phone paying system, specifically can comprise: roaming place payment transaction device, Service Gateway, ownership place payment transaction device, trade company's gateway and payment gateway, wherein
(1) roaming place payment transaction device is responsible for when having the roamer to be linked into roaming place payment transaction device, by Service Gateway to the ownership place payment transaction device request at this roamer place to this roamer processing of paying.
Be exactly specifically, when the user pays service apparatus by mobile communications network access roaming ground, roaming place payment transaction device is judged this access user, if the user is the local user, then handle according to existing payment flow, promptly this roaming place payment transaction device carries out local user's Certificate Authority, and at the bill information of Certificate Authority by this user of back inquiry; By the processing of paying of payment gateway and trade company's gateway, detailed process is not done too much explanation herein with reference to existing payment flow at last; If the user is the roamer, processing is divided into two kinds of situations: break down or the ownership place payment transaction device at user place can't provide under the situation of service in the communication of this roaming place payment transaction device and Service Gateway (1), this roaming place payment transaction device carries out Certificate Authority (being buffered in the user profile on the payment transaction device of roaming place during based on this roamer's payment processes last time) according to the roamer's of buffer memory user profile, and after Certificate Authority passes through, this roamer's of this roaming place payment transaction device query caching bill information (being buffered in the user profile on the payment transaction device of roaming place during based on this roamer's payment processes last time); (2) under normal circumstances, this roaming place payment transaction device arrives the authentication authorization request forwards by Service Gateway the ownership place payment transaction device at this roamer place, ownership place payment transaction device carries out roamer's Certificate Authority and bill information inquiry, this roaming place payment transaction device receives ownership place payment transaction device and (comprises the Certificate Authority result by the Certificate Authority response message that the Service Gateway forwarding comes, user profile and bill information), this roamer's user profile and bill information are buffered in this locality, and the user profile of buffer memory and bill information preserved certain duration, the length of duration can be set as the case may be, by Service Gateway payment request message is transmitted to this ownership place payment transaction device then.
After this roamer's Certificate Authority passes through, this roaming place payment transaction device and user's statement information are confirmed alternately, when this user confirms Pay Bill information, if this user is the local user, then handle by existing payment flow, promptly this roaming place payment transaction device initiates to withhold request message by payment gateway to payment mechanism, the response message of returning according to payment gateway of withholing then, this roaming place payment transaction device sends payment result notification message and record payment daily record by trade company's gateway to trade company, concrete with reference to existing payment flow, do not do too much explanation herein; If this user is the roamer, then handle the two kinds of situations that also are divided into: break down or the ownership place payment transaction device at user place can't provide under the situation of service in the communication of this roaming place payment transaction device and Service Gateway (1), this roaming place payment transaction device directly in this locality the payment request to the roamer handle, promptly this roaming place payment transaction device initiates to withhold request message by payment gateway to payment mechanism, the response message of returning according to payment gateway of withholing then, this roaming place payment transaction device sends payment result notification message and record payment daily record by trade company's gateway to trade company; And after fault recovery, this roaming place payment transaction device is synchronized to ownership place payment transaction device with the bill payment daily record; (2) under normal circumstances, this roaming place payment transaction device sends to payment request message by Service Gateway the ownership place payment transaction device at this roamer place, the processing that ownership place payment transaction device is paid and concluded the business, promptly this ownership place payment transaction device initiates to withhold request message by payment gateway to payment mechanism, the response message of returning according to payment gateway of withholing then, this ownership place payment transaction device sends the payment result notification request message by trade company's gateway to trade company, and the payment result that reception trade company gateway returns is notified response message, this ownership place payment transaction device is according to withhold response message and the record payment daily record of payment result notice response message and make payment result that receive, at last payment result is transmitted to this roaming place payment transaction device by Service Gateway, roaming place payment transaction device is notified to this roamer with this payment result.If authentification of user not by or processing mistake that other reasons caused, this roaming place payment transaction device is notified the user corresponding information, and whether decision according to circumstances finishes the session with the user.
(2) Service Gateway is responsible for the message route between roaming place payment transaction device and ownership place payment transaction device, the management and the session management of routing iinformation.
Be exactly specifically, this Service Gateway receives the authentication authorization request message and the payment request message of this roaming place payment transaction device, and authentication authorization request message and request message are forwarded to the ownership place payment transaction device at this roamer place according to the routing iinformation of this roamer's Mobile Directory Number, this Service Gateway receives the Certificate Authority response message and the payment response message of this ownership place payment transaction device simultaneously, and Certificate Authority response message and payment response message are transmitted back this roaming place payment transaction device.
(3) ownership place payment transaction device, main being responsible for by corresponding payment gateway and trade company's gateway to this roamer processing of paying; And after payment processes finishes, the payment processes result is notified to roaming place payment transaction device by Service Gateway.
Be exactly specifically, when Service Gateway with roamer's authentication authorization request forwards during to the ownership place payment transaction device at this roamer place, this ownership place payment transaction device carries out user's Certificate Authority, if Certificate Authority passes through, the bill information of this ownership place payment transaction device inquiring user, and Certificate Authority result, user profile and bill information be carried in the Certificate Authority response message send it back Service Gateway; If Certificate Authority does not pass through, this ownership place payment transaction device sends it back Service Gateway with the Certificate Authority result by the Certificate Authority response message.When Service Gateway is forwarded to this ownership place payment transaction device with the payment request message of roaming, this ownership place payment transaction device initiates to withhold request message by payment gateway to payment mechanism, the response message of returning according to payment gateway of withholing then, this ownership place payment transaction device sends payment result notification message and record payment daily record by trade company's gateway to trade company, at last payment result will be paid response message by Service Gateway and be transmitted to this roaming place payment transaction device.
(4) trade company's gateway, the main payment request of being responsible for according to this roamer cooperates the affirmation of carrying out payment result to handle with corresponding trade company.
Be exactly specifically, this trade company's gateway is according to the payment result notification message of roaming place payment transaction device or the forwarding of ownership place payment transaction device, from system, search the relevant information of trade company, the legitimacy of trade company is verified and carried out the conversion of messaging protocol and the forwarding of message, if trade company's checking is passed through, then this trade company's gateway is transmitted to corresponding trade company with the payment result notification request message, and the payment result that trade company is returned notice response message sends it back roaming place payment transaction device or ownership place payment transaction device, recording processing daily record in this trade company's gateway simultaneously; If trade company's checking is not passed through, then this trade company's gateway is that failed message sends it back roaming place payment transaction device or ownership place payment transaction device with corresponding payment result notification response message.
(5) payment gateway, the main payment request of being responsible for according to this roamer cooperates the processing of withholing with corresponding payment mechanism.
Be exactly specifically, this payment gateway is according to the request message of withholing of roaming place payment transaction device or the forwarding of ownership place payment transaction device, from system, search the relevant information of payment mechanism, the legitimacy of payment mechanism is verified and carried out the conversion of messaging protocol and the forwarding of message.If the payment mechanism checking is passed through, then this payment gateway request message of will withholing is transmitted to corresponding payment mechanism, the response message of withholing that payment mechanism is returned sends it back roaming place payment transaction device or ownership place payment transaction device, record payment daily record in this payment gateway simultaneously; If the payment mechanism checking is not passed through, then this payment gateway is that failed message returns to roaming place payment transaction device or ownership place payment transaction device with the corresponding payment response message.
Be elaborated below in conjunction with 2 pairs of described methods of the embodiment of the invention of accompanying drawing.
As shown in Figure 2, Fig. 2 is the schematic flow sheet of the described support of embodiment of the invention roamer's mobile phone paying method, and the described method of the embodiment of the invention is utilized system shown in Figure 1, mainly may further comprise the steps:
Step 201: the roamer is linked into roaming place payment transaction device by mobile communications network;
Step 202: roaming place payment transaction device communicates protocol of messages and resolves, and judges whether this access user is the roamer, if be the local user, then by the existing procedure processing of paying; If be the roamer, handle the two kinds of situations that are divided into: (1) under normal circumstances, this roaming place payment transaction device sends to Service Gateway with authentication authorization request message, and enters step 203; (2) break down or this ownership place payment transaction device can't provide under the situation of service in the communication of this roaming place payment transaction device and this Service Gateway, if this roaming place payment transaction device buffer memory roamer's user profile and bill information, then this roaming place payment transaction device carries out Certificate Authority (being buffered in the user profile on the payment transaction device of roaming place during based on this roamer's payment processes last time) according to the roamer's of buffer memory user profile, and after Certificate Authority passes through, this roamer's of this roaming place payment transaction device query caching bill information (being buffered in the user profile on the payment transaction device of roaming place during based on this roamer's payment processes last time); After fault recovery, this roaming place payment transaction device is synchronized to this ownership place payment transaction device with the bill payment daily record;
Step 203: Service Gateway is searched the routing iinformation of this roamer's number according to the authentication authorization request message that receives, and this authentication authorization request forwards is arrived the ownership place payment transaction device at this roamer's number place;
Step 204: ownership place payment transaction device carries out user's Certificate Authority, if Certificate Authority passes through, ownership place payment transaction device is inquired about this roamer's bill information, and Certificate Authority result (this moment Authorization result be Certificate Authority success), user profile and bill information be carried in the Certificate Authority response message send it back Service Gateway; If Certificate Authority does not pass through, ownership place payment transaction device sends it back Service Gateway with Certificate Authority result (this moment, Authorization result was a certificate authentication failure) by the Certificate Authority response message;
Step 205: Service Gateway is forwarded to roaming place payment transaction device with the Certificate Authority response message;
Step 206: roaming place payment transaction device is judged this roamer's Certificate Authority result according to the Certificate Authority response message, if the Certificate Authority result is successfully, roaming place payment transaction device and user confirm alternately to Pay Bill information, user profile and bill information during roaming place payment transaction device is replied Certificate Authority simultaneously are buffered in this locality, and the user profile and the bill information of buffer memory are preserved certain time length; If the Certificate Authority result is failure, roaming place payment transaction device returns to the user error information, and end and user's session;
Step 207:, handle the two kinds of situations that are divided into if this roamer confirms Pay Bill: (1) under normal circumstances, this roaming place payment transaction device sends to Service Gateway with payment request message, and enters step 208; (2) break down or ownership place payment transaction device can't provide when service when the communication of roaming place payment transaction device and Service Gateway, the processing that roaming place payment transaction device is directly paid in this locality and concluded the business, promptly this roaming place payment transaction device initiates to withhold request message by payment gateway to payment mechanism, the response message of returning according to payment gateway of withholing then, this roaming place payment transaction device sends payment result notification message and record payment daily record by trade company's gateway to trade company; After fault recovery, roaming place payment transaction apparatus module is synchronized to ownership place payment transaction device with the bill payment daily record;
If the user does not confirm Pay Bill, roaming place payment transaction device returns to the user error information, and end and user's session;
Step 208: Service Gateway is searched the routing iinformation of this roamer's number, payment request message is forwarded to the ownership place payment transaction device at Subscriber Number place;
Step 209: ownership place payment transaction device is inquired about this roamer's payment account configuration information, and the request message of will withholing sends to payment gateway;
Step 210: the pay legitimate verification of mechanism of payment gateway, search the routing iinformation of payment mechanism, and carry out the conversion of messaging protocol, the request message of withholing is sent to corresponding payment mechanism; Payment gateway receives the response message of withholing that payment mechanism returns, and carries out the conversion of messaging protocol, and the response message of will withholing is forwarded to ownership place payment transaction device;
Step 211: according to the response message of withholing that payment gateway returns, the merchant information of ownership place payment transaction device inquiry bill correspondence sends to trade company's gateway with the payment result notification request message;
Step 212: trade company's gateway carries out the legitimate verification of trade company, searches the routing iinformation of trade company, and carries out the conversion of messaging protocol, and the payment result notification request message is sent to corresponding trade company; Trade company's gateway receives the payment result notice response message that trade company returns, and carries out the conversion of messaging protocol, notifies response message to be forwarded to ownership place payment transaction device payment result;
Step 213: ownership place payment transaction device is paid daily record according to the payment result notice response message record of the withhold response message and the trade company of payment mechanism, and sends the payment response message to Service Gateway;
Step 214: Service Gateway will be paid response message and be forwarded to roaming place payment transaction device;
Step 215: roaming place payment transaction device is paid daily record according to payment response message record, and notifies the user payment result, finishes the session with the user at last.
Next the 3 pairs of described roaming place of embodiment of the invention payment transaction devices are elaborated in conjunction with the accompanying drawings.
As shown in Figure 3, Fig. 3 is the described roaming place of an embodiment of the invention payment transaction schematic representation of apparatus, specifically can comprise: judge module, authentication authorization request module and payment request module below will be elaborated to these three modules.
(1) judge module, when the user inserted, judge module judged the user judges whether this user is the roamer, if be the roamer, triggering authentication authorization request module then; If be the local user, then trigger roaming place payment transaction device in this locality the payment request to this user handle;
(2) authentication authorization request module, after judging that the user determines that this access user is for the roamer, under normal circumstances, the authentication authorization request module is transmitted to this roamer's authentication authorization request message the ownership place payment transaction device at this roamer's number place by Service Gateway; At roaming place payment transaction device and communication failure appears in Service Gateway or ownership place payment transaction device can't provide under the situation of service, (1) if roaming place payment transaction device do not receive also that ownership place payment transaction device sends comprise the Certificate Authority result, the Certificate Authority response message of user profile and bill information, and when payment transaction device this locality, roaming place has been cached with this roamer's user profile and bill information, this moment, the authentication authorization request module just can be carried out Certificate Authority according to this roamer's of local cache user profile, Certificate Authority is by this roamer's of back inquiry bill information, trigger then roaming place payment transaction device in this locality the payment request to this user handle; (2) if roaming place payment transaction device has been received the Certificate Authority response message that comprises Certificate Authority result, user profile and bill information that ownership place payment transaction device is sent, then according to the Certificate Authority result for Certificate Authority when success trigger roaming place payment transaction device in this locality the payment request to this user handle.
(3) payment request module when determining the Certificate Authority success according to the next Certificate Authority response message of Service Gateway forwarding, is transmitted to ownership place payment transaction device with payment request message by Service Gateway; Be exactly specifically, the authentication authorization request module is judged Certificate Authority success according to the Certificate Authority result after, the pay affirmation of bill information of payment request module and this roamer; If this roamer confirms Pay Bill information, then pay request module payment request message is transmitted to ownership place payment transaction device by Service Gateway; And paying when bill information confirms with this roamer, the payment request module also is buffered in this locality with user profile and the bill information of this roamer in the Certificate Authority response message.
4 pairs of embodiment of the invention ownership place payment transaction devices are elaborated in conjunction with the accompanying drawings at last.
As shown in Figure 4, Fig. 4 is the structural representation of embodiment of the invention ownership place payment transaction device, specifically can comprise: Certificate Authority processing module and payment processes module below will be elaborated to two modules here.
The Certificate Authority processing module, be responsible for transmitting the authentication authorization request message of coming this roamer is carried out Certificate Authority according to Service Gateway, if the Certificate Authority success, the Certificate Authority response message that then will comprise Certificate Authority result, user profile and bill information is by being transmitted to roaming place payment transaction device to Service Gateway; If certificate authentication failure then is transmitted to roaming place payment transaction device with the Certificate Authority structure by Service Gateway.
The payment processes module is responsible for transmitting according to Service Gateway the roamer's who comes payment request, by corresponding payment gateway and trade company's gateway to this roamer processing of paying; Be exactly that the payment processes module roamer's that forwarding comes according to Service Gateway payment request is transmitted the request message of withholing by payment gateway and given corresponding payment mechanism specifically; After the response message of withholing of receiving this payment mechanism feedback, give corresponding trade company with the payment result notification request message by trade company's gateway forwards, and receive the payment result response message of this trade company's feedback; After notifying response message to carry out log record according to the response message of withholing of this payment structure feedback with the payment result of this trade company's feedback at last, send the payment response message to roaming place payment transaction device by Service Gateway.
In sum, the embodiment of the invention provides a kind of roamer's of support mobile phone paying system, method and relevant apparatus, and compared with prior art, the present invention has the following advantages:
The embodiment of the invention is handled route certificate authority information and payment message by introducing Service Gateway from the business that the roaming place business is routed to user ascription area, make the Business Processing user interaction process of roaming place, the Business Processing payment transaction process of ownership place, reciprocal process and payment transaction process are separated, farthest reduce user's operation burden and expense, also greatly reduced the cost of operation; By introducing Service Gateway, provide a unified convergence point to each business that inserts ground, ownership place business and roaming place business do not need to know the other side's address information, the complexity that this has just reduced system maintenance has improved the efficient of operation.
Communication professional in the roaming place and the ownership place business is broken down or the ownership place business can't provide under the situation of service, the professional payment transaction that just can't handle the roamer in roaming place, the embodiment of the invention is buffered in the roaming place business by user profile and the bill information with the roamer, the processing of when these faults occur, paying in this locality and concluding the business by the roaming place business, and after fault recovery, the roaming place business in time is synchronized to the ownership place business with the bill payment daily record, the availability that this has just farthest improved system has reduced the influence of fault to whole payment transaction as best one can.
The above; only for the preferable embodiment of the present invention, but protection scope of the present invention is not limited thereto, and anyly is familiar with those skilled in the art in the technical scope that the present invention discloses; the variation that can expect easily or replacement all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection range of claims.
Claims (10)
1, a kind of mobile phone paying system that supports the roamer is characterized in that, comprising: roaming place payment transaction device, Service Gateway, ownership place payment transaction device, wherein,
Described roaming place payment transaction device is used for when having the roamer to insert, by described Service Gateway to the ownership place payment transaction device request at this roamer's number place to this roamer processing of paying;
Described ownership place payment transaction device is used for this roamer's payment request is handled; And after payment processes finishes, the payment processes result is notified to described roaming place payment transaction device by described Service Gateway.
2, system according to claim 1 is characterized in that, when described roaming place payment transaction device and described Service Gateway communication failure or described ownership place payment transaction device occurred service can't be provided, described roaming place payment transaction device also was used for,
This roamer's of buffer memory user profile and accounts information carry out Certificate Authority and inquiry bill information, the processing of paying in this locality then to this roamer in advance according to it;
Perhaps, the processing of directly paying in this locality.
3, system according to claim 1 and 2 is characterized in that, described system also comprises: payment gateway and trade company's gateway, wherein,
Described payment gateway is used for the payment request according to this roamer, cooperates the processing of withholing with corresponding payment mechanism;
Described trade company gateway is used for the payment request according to this roamer, cooperates the affirmation of carrying out payment result to handle with corresponding trade company.
4, a kind of mobile phone paying method of supporting the roamer, it is characterized in that, use a kind of mobile phone paying system that supports the roamer, described system comprises: roaming place payment transaction device, Service Gateway and ownership place payment transaction device, and described method comprises:
Steps A: when roamer's access roaming ground payment service apparatus, described roaming place payment transaction device by described Service Gateway to the ownership place payment transaction device request at this roamer's number place to this roamer processing of paying;
Step B: described ownership place payment transaction device is to this roamer processing of paying, and after payment processes finishes, gives described roaming place payment transaction device by described Service Gateway with the payment processes result notification.
5, method according to claim 4, it is characterized in that, described steps A also comprises: when described roaming place payment transaction device and communication failure appears in described Service Gateway or described ownership place payment transaction device can't provide service, and when described ownership place payment transaction device this locality was cached with this roamer's user profile and bill information in advance, described steps A also comprised:
Described roaming place payment transaction device carries out Certificate Authority and inquiry bill information according to the user profile of buffer memory, then in this locality to this roamer processing of paying;
Perhaps, described roaming place payment transaction device directly in this locality to this roamer processing of paying.
6, a kind of roaming place payment transaction device is characterized in that, comprising: judge module, authentication authorization request module and payment request module, wherein,
Described judge module is used for when having the user to insert, and judges that whether this user is the roamer, if be the roamer, then triggers described authentication authorization request module; If be the local user, then trigger described roaming place payment transaction device in this locality the payment request to this user handle;
Described authentication authorization request module is used for this roamer's authentication authorization request message is transmitted to by Service Gateway the ownership place payment transaction device at this roamer's number place; And determining that according to the next Certificate Authority response message of described Service Gateway forwarding Certificate Authority triggers described payment request module when successful;
Described payment request module is used for payment request message is transmitted to described ownership place payment transaction device by described Service Gateway.
7, device according to claim 6 is characterized in that, described payment request module specifically is used for,
Described authentication authorization request module is determined the Certificate Authority success according to described Certificate Authority result after, described payment request module and this roamer affirmation of bill information of paying, and after this roamer confirms Pay Bill information, payment request message is transmitted to described ownership place payment transaction device by described Service Gateway.
8, device according to claim 7, it is characterized in that, when bill information was confirmed if described payment request module and this roamer pay, also user profile and the bill information with this roamer in the described Certificate Authority response message was buffered in this locality; Then when described roaming place payment transaction device and described Service Gateway communication failure or described ownership place payment transaction device occurred service can't be provided, described authentication authorization request module also was used for,
Carry out Certificate Authority and inquiry bill information according to this roamer's of local cache user profile, trigger then described roaming place payment transaction device in this locality the payment request to this user handle; Perhaps, according to described Service Gateway transmit the Certificate Authority response message of coming determine Certificate Authority success back trigger described roaming place payment transaction device in this locality the payment request to this user handle.
9, a kind of ownership place payment transaction device is characterized in that, comprising: Certificate Authority processing module and payment processes module,
Described Certificate Authority processing module after the authentication authorization request message that is used for transmitting according to Service Gateway is carried out the Certificate Authority success to this roamer, is transmitted to roaming place payment transaction device with the Certificate Authority response message by giving described Service Gateway;
Described payment processes module is used for transmitting according to described Service Gateway the roamer's who comes payment request, by corresponding payment gateway and trade company's gateway to this roamer processing of paying.
10, device according to claim 9 is characterized in that, described payment processes module specifically is used for,
Transmit the roamer's who comes payment request according to described Service Gateway, transmit the request message of withholing by described payment gateway and give corresponding payment mechanism and give corresponding trade company, and carry out paying response message to described roaming place payment transaction device by described Service Gateway transmission behind the log record according to withhold response message and payment result notice response message that it is received by described trade company gateway forwards payment result notification request message.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910170117.3A CN101646153A (en) | 2009-09-03 | 2009-09-03 | Payment system, method and related device of mobile telephone supporting roaming user |
| RU2011136157/08A RU2011136157A (en) | 2009-09-03 | 2009-12-18 | PAYMENT SYSTEM WITH MOBILE PHONE, METHOD AND RELATED DEVICES FOR SUPPORTING ROAMING USERS |
| PCT/CN2009/075730 WO2011026285A1 (en) | 2009-09-03 | 2009-12-18 | Mobile phone payment system, method and corresponding devices for supporting roaming user |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910170117.3A CN101646153A (en) | 2009-09-03 | 2009-09-03 | Payment system, method and related device of mobile telephone supporting roaming user |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101646153A true CN101646153A (en) | 2010-02-10 |
Family
ID=41657820
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN200910170117.3A Pending CN101646153A (en) | 2009-09-03 | 2009-09-03 | Payment system, method and related device of mobile telephone supporting roaming user |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN101646153A (en) |
| RU (1) | RU2011136157A (en) |
| WO (1) | WO2011026285A1 (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105359192A (en) * | 2013-07-02 | 2016-02-24 | 诺基亚技术有限公司 | Method and apparatus for mobile ticketing |
| CN110753943A (en) * | 2017-06-15 | 2020-02-04 | 艾德米亚法国公司 | Mobile payment roaming |
| CN110998632A (en) * | 2017-06-15 | 2020-04-10 | 艾德米亚法国公司 | Digital wallet application for mobile payment |
Families Citing this family (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104365100A (en) | 2012-04-15 | 2015-02-18 | 三星电子株式会社 | Video encoding method and device and video decoding method and device for parallel processing |
| CN113112254A (en) * | 2016-11-11 | 2021-07-13 | 创新先进技术有限公司 | Regional message sharing method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7248855B2 (en) * | 1998-09-15 | 2007-07-24 | Upaid Systems, Ltd. | Convergent communications system and method with a rule set for authorizing, debiting, settling and recharging a mobile commerce account |
| EP1492066A1 (en) * | 2003-06-26 | 2004-12-29 | Siemens Schweiz AG | Method for alternative charging of outgoing calls in case of roaming |
| CN101261708A (en) * | 2008-04-21 | 2008-09-10 | 中兴通讯股份有限公司 | Online payment method and system based on the mobile terminal supporting eNFC function |
-
2009
- 2009-09-03 CN CN200910170117.3A patent/CN101646153A/en active Pending
- 2009-12-18 WO PCT/CN2009/075730 patent/WO2011026285A1/en active Application Filing
- 2009-12-18 RU RU2011136157/08A patent/RU2011136157A/en unknown
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105359192A (en) * | 2013-07-02 | 2016-02-24 | 诺基亚技术有限公司 | Method and apparatus for mobile ticketing |
| CN105359192B (en) * | 2013-07-02 | 2019-02-05 | 诺基亚技术有限公司 | Method and apparatus for mobile ticket service |
| CN110753943A (en) * | 2017-06-15 | 2020-02-04 | 艾德米亚法国公司 | Mobile payment roaming |
| CN110998632A (en) * | 2017-06-15 | 2020-04-10 | 艾德米亚法国公司 | Digital wallet application for mobile payment |
| US20200167760A1 (en) * | 2017-06-15 | 2020-05-28 | Idemia France | Digital wallet application for mobile payment |
| CN110998632B (en) * | 2017-06-15 | 2024-01-23 | 艾德米亚法国公司 | Digital wallet application for mobile payment |
| CN110753943B (en) * | 2017-06-15 | 2024-01-23 | 艾德米亚法国公司 | Method, system, computer program and recording medium for mobile payment roaming |
Also Published As
| Publication number | Publication date |
|---|---|
| RU2011136157A (en) | 2013-05-10 |
| WO2011026285A1 (en) | 2011-03-10 |
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