CN102164352A - Method for paying household bill by short message - Google Patents
Method for paying household bill by short message Download PDFInfo
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- CN102164352A CN102164352A CN2010101115451A CN201010111545A CN102164352A CN 102164352 A CN102164352 A CN 102164352A CN 2010101115451 A CN2010101115451 A CN 2010101115451A CN 201010111545 A CN201010111545 A CN 201010111545A CN 102164352 A CN102164352 A CN 102164352A
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Abstract
The invention discloses a method and system for paying household bills by short messages, comprising a communication cost bill, a water rate bill, a power fare bill and the like. The system comprises a mobile phone short message, a background system management module, a service logic processing module, an account information interaction module, a user balance management module, a balancing module and a mobile communication module. In the invention, unique bill bar cod data information is sent to a mobile bill payment service platform by virtue of the mobile phone, a mobile service platform extracts bill information and payment information and then interacts with a user balance system gateway by virtue of the bill information interaction gateway so as to interact with each accounting system and inquiry account information of the user in each month, and account payment operation is completed, and the household bills in common use can be paid by virtue of the short messages.
Description
Technical field
The present invention relates to mobile media information business platform technical field, be meant a kind of method and system that carries bill information and instruction payment family bill based on SMS especially.
Background technology
Along with the development of mobile communication business, the particularly development of 3G (Third Generation) Moblie service technique, mobile communication combines more and more tightr with the Internet, and mobile value-added service is abundant increasingly.Under the situation of this mobile communication business great development, the company of each operator and a lot of communications fields is all marching the value-added service field energetically, attempts setting up various mobile communication value-added service platforms.
Family's bill payment becomes something that every household must be finished in every month, conventional bill payment need the user to corresponding business hall or bank just can handle relevant business, for the user is a no small cost, and the user need expend a large amount of time costs and energy.
In view of this, the objective of the invention is to propose a kind of simple, easily row is the system of payable family bill based on the simple of SMS alternately.
Summary of the invention
The task of the bill payment that need finish in every month at family, the SMS bill payment system is finished the payment of bill by short message mode, make people stay indoors and to finish the payment of every month bill, reduced the spending of people's time and efforts, improved efficient widely, all can finish the payment of bill by mobile network mobile phone at any old place, also not need the deployment of client, present any mobile phone can both be supported this means of payment;
From above as can be seen, the payment by using short messages bill method of mobile phone end provided by the invention, utilize note to carry text based note instruction and the bill sequence number information is carried out the triggering and the binding of business, simple, any mobile phone can support that the user of any operator can use.Have following characteristics specifically:
The bill sequence number:
By analyzing the coding of bill, can obtain the type of bill from coding, simultaneously, the sequence number of bill is the uniqueness design, can resolve and identify the type and the time of unique user and bill by the bill sequence number, system just can extract user's uniqueness sign and user's uniqueness sign and bill type such as the electricity charge and phone number are bound after for the first time getting access to the subscriber's account sequence number information, the user is just no longer needing to import once more the bill sequence number after this.
Note instruction design:
By designing different instructions, the user can finish bill payment process, comprises:
Action command: the instruction that the indication note triggers, for example bill payment instruction ZDZF;
Bill inquiry: inquire about the instruction of every month bill number, ZDCX for example, the user used behind the note Pay Bill system to understand and issued every month bill information of user automatically after every month bill is entered an item of expenditure in the accounts under the default situations, comprised the payment instruction form, and bill is dealt with number;
Bill binding: manually bind the bill sequence number to mobile phone, phone number can corresponding a plurality of dissimilar bill sequence numbers, instruction type such as ZDBD, default situations is that the user uses a payment by using short messages can bind phone number and bill automatically, the user is after cell-phone number is successfully bound, no longer need to import the bill sequence number during user's payment next time, only need input instruction code to add that the payment parameter gets final product.As ZDZF+ separator+" type of payment "+separator+payment parameter (comprising the payment accounts encrypted message that the third party pays access), secondly, the user does not need memoric instruction for convenience, system is initiatively transmitting short message instruction also, the user replys according to the note instruction and gets final product, as DFZF (electricity charge payment)+separator+payment parametric representation payment this month electricity bill, wherein, DFZF only need be that the expression of a uniqueness gets final product, the digital code of the uniqueness that also can using system generates etc., as the 8899 expression payment electricity charge, this digital code is the electricity charge payment instruction of this month in system's generation and by system understanding.
Order parameter: be included in the parameter information after the instruction, as payment accounts, encrypted message etc.
Separator: be used in instruction distinguishing the style symbol of instruction and parameter information, as " # " etc.;
Bill sequence abbreviation: system provides the abbreviation of bill sequence number, and the user can use abbreviation after binding, abbreviation can for English or the Chinese phonetic alphabet all can, as: " DF " represents electricity bill;
The note order structure:
Action command+separator+bill information+separator+payment information+end mark
The bill of acquiescence payment is this month bill;
Non-this month,, bill can add temporal information on bill information, represented the bill in October, 2009 as T200910, under the situation that allows the expired bill of payment, added separator and time parameter gets final product behind action command.
Payment information: number of the account and the encrypted message of user in third-party payment system;
The automatic binding of phone number and bill:
The user imports after the bill information for the first time, and system can bind Subscriber Number and bill automatically, when reusing later on, can use abbreviation language to instruct editor.
Every lunar periodicity is initiatively initiated to pay note and is arrived the user:
For the input action and the amount of information of saving the user, the user is after importing the bill sequence number for the first time, system identifies the user's uniqueness in automatic user bound phone number and the bill sequence number, the user does not need the list entries number after reaching for the second time, only need the input mnemonic instruction to get final product, system will search and the match user bill information in this month automatically;
The user balance management:
The user pays approach can take third-party payment system, and system platform is docked to third party's payment system can inquire about and pay action accordingly.
Description of drawings
Accompanying drawing described herein is used to provide further understanding of the present invention, constitutes the application's a part, and illustrative examples of the present invention and explanation thereof are used to explain the present invention, do not constitute improper qualification of the present invention.In the accompanying drawings:
Fig. 1 is the schematic diagram of system module structure of the present invention.
Fig. 2 is the professional flow process of using.
Embodiment
With reference to the accompanying drawings the present invention is described more fully, exemplary embodiment of the present invention wherein is described.
A kind of method of the family's bill payment based on mobile communication short message service carrying has been proposed for achieving the above object.
Below in conjunction with the drawings, embodiments of the present invention are described.
Be implemented in the key of the information service of moving communicating field:
Bill information sends:
The user sends to the bill numbering by mobile phone the Number for access of bill payment system;
Bill information has comprised user's exclusive number and subscriber's account information encoding, and system can parse Customs Assigned Number and bill number information by reading and resolve bill information after receiving short message content, thereby can identify user and corresponding bill information.
The bill processing logic:
Platform receives the note that the user sends, and parses each part of short message content, and part comprises instruction, the bill coding, payment accounts, payment cipher information, by identification bill type, communication expense still is the electricity charge etc. in this way, and forwards workflow to the bill processing logic.
As having bundled subscriber's account and phone number, note can not carried the bill sequence number information, the bill of the correspondence of the automatic match user of system's meeting.
Different actions is carried out in the instruction that the bill processing logic carries according to note, inquires user's bill number by the bill interactive interface, and the payment information that note is carried and answer the Pay Bill number to send to payment system by payment interface.
Bill system interaction interface:
The bill processing logic reports bill information according to note, parses the customer identification information that wherein comprises, and deals with information by the bill of user interactions interface inquiring user, and the object information that bill is mutual is notified the bill system.
The payment system interactive interface:
The bill processing logic carries bill, and to deal with information and payment information be that payment accounts and password are initiated the payment request by payment interface to payment system, and payment result turned back to the bill logic processing module, withhold and to notify corresponding billing and accounting system gathering state after the success, user's fee paying state will be set for paying dues by the settlement system corresponding billing and accounting system in back of closing the account.
Platform management:
Platform is managed, comprise user management, the system parameters management, the configuration of perimeter systems interface parameters, Report Server Management, functions such as settlement management manage the setting with parameter.
The bill management:
System keeps a series of record of user's payment and inquiry bill, is used to inquire about bill, checks bill, is the foundation of system's clearing and Users'Data Analysis.
Settlement module: system is by the initial data of object information of payment, with each bill payment object mechanism as settling accounts with electric power system, clearing can carry out on line or line under carry out, acquiescence is on-line automatic clearing.
Whole system is described below
Main functional modules
As shown in Figure 1, the dynamic polychrome plateform system of cellphone multimedia structure mainly comprises:
Bill information 100:
Be printed on the coded message on the bill, be generally the string number character string under the bar code, comprised the number information of user's unique information and bill.
SMS sends coded message 101:
The user carries the bill sequence number information by note when using business for the first time and command information sends to specific note Number for access;
Mobile communications network 102:
The mobile communications network of short message channel is provided, and the mobile network of any support note can.
Platform communication interface 103:
Platform communication interface mutual by with the SMS network element, the note and the system that obtain the user issue user's payment result, notify notes such as user's payment information in every month, are the interfaces of passage of the note up-downgoing of system.
Payment system 104:
The third party of payment function or the system of the payment function that system carries are provided, and the user need have account information and the remaining sum on the payment system in advance, as third-party Alipay etc.;
Payment system interface 105:
Interface between system and the payment system is finished the function of deducting fees of user's the bill amount of money by payment interface.
Statistical report form 106:
Behavioral data to system and user is added up, and the report output of online and off-line is provided and checks.
Service logic 107:
Business logic modules is responsible for resolving short message, initiates the request of deducting fees to payment system, initiates the query requests of statement system, carries out the binding of user mobile phone number and bill, and the user pays the intrasystem logic of business functions such as system's propelling movement of note.
User management 108:
On platform, the cellphone subscriber is managed, the cellphone subscriber promptly uses the mobile phone terminal user of payment by using short messages, system log (SYSLOG) user's a series of information, comprise phone number, hour of log-on (first use i.e. registration), other information of user (obtaining) and platform user managed by other channels, comprise the rights management of platform user, the information management of platform user etc.;
Bill management 109:
Bill to the mobile phone terminal use, platform can provide each household to inquire about for cellphone subscriber's login, system provides management function to terminal use's bill simultaneously, and platform user can statement be checked, statistical analysis, imported and exported bookkeepings such as data having under the situation of authority;
System management 110:
The various management functions of platform are provided, the various parameters of platform service are set, whole system is managed.
Settlement module 111:
Settlement module provide with the clearing of payment system and with the clearing of each billing and accounting system, payment system needs periodic after having deducted expense and the payment by using short messages system settles accounts, simultaneously, the payment by using short messages system also needs to settle accounts with each billing and accounting system such as electrically charge system.
Settlement module provides online and clearing form off-line, and generates various settlement datas and be kept at database, transfers for statistical analysis module and carries out statistical analysis and inquiry.
Database Systems 112:
User's the various data and the various data of system are preserved in the space that Database Systems provide data to preserve for whole payment by using short messages system, for the generation of statistical report form and the various query functions of platform provide data source.
The professional flow process of using is seen accompanying drawing 2: the professional flow process of using
Giving one example below illustrates the workflow of system of the present invention, and among this embodiment, business may further comprise the steps:
Step 1: the user uses first, editing short message, and content is a ZDZF# bill sequence number # third party payment system number of the account # payment cipher, the Number for access that sends to the note bill payment system is as 106888999; As not being to use first, can directly sending DFZF# third party's payment system number of the account # payment cipher and pay the electricity charge (for example, other expense is also like this).
Step 2. system receives user's short message content, extract user's phone number and parsing user's short message content, extract action command, the bill sequence number, payment accounts and password, and resolve user's unique identification information and the bill information that the bill sequence number comprises;
Step 5. system carries out the inquiry of the bill information in user this month to the mutual gateway of bill, gets access to user's bill information;
Step 6. system queries user's payment information confirms whether its remaining sum is enough, deducts fees as enough asking third party's payment system;
Step 7. system gets access to the third party and pays the request success receipt of deducting fees;
Step 8. system and bill system send the information of successfully deducting fees;
The various operation informations of this user of step 9. system log (SYSLOG) and each interaction results state information (as the receipt etc. of deducting fees);
Description of the invention is in order to provide for the purpose of example and the explanation, and is not exhaustively or limit the invention to disclosed form.Many modifications and variations are obvious for the ordinary skill in the art.Selecting and describing embodiment is for better explanation principle of the present invention and practical application, thereby and makes those of ordinary skill in the art can understand the various embodiment that have various modifications that the present invention's design is suitable for special-purpose.
Claims (6)
1. the system based on the SMS Pay Bill is characterized in that, mobile phone sends the unique sequence number information of bill by note and gets final product Pay Bill to mobile service platform;
2. the mobile service system receives bill sequence number instruction, and instruction has comprised the action that this note comprises and the sequence number information and the payment information of bill;
3. business platform is judged the bill type by analyzing the bill sequence number;
4. as described in the claim 3, can obtain current period bill amount due by inquiry bill gateway after judging the bill type, after inquiring amount due, can issue mutual note to the user, the note that issues has comprised the note command format of user's payment;
5. the user writes note according to the instruction of the note that issues, and information such as payment instruction are sent to business platform, and business platform can be initiated payment after receiving user instruction, pay successfully back business platform transmission note or mail and arrives the user;
6. as described in the claim 2, business platform can be bound cell-phone number and bill serial number after having obtained the sequence number of subscriber's account for the first time, and the user can save the step of list entries number afterwards, directly sends instructions to operation system;
System can also initiatively carry out information indicating in every month, needed up payment instruction to send to the user user, and the user directly replys according to form and gets final product.
Whole service is carried bill information and carried action command by note provides a novel business, can realize the bill payment that stays indoors by note.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010101115451A CN102164352A (en) | 2010-02-22 | 2010-02-22 | Method for paying household bill by short message |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010101115451A CN102164352A (en) | 2010-02-22 | 2010-02-22 | Method for paying household bill by short message |
Publications (1)
| Publication Number | Publication Date |
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| CN102164352A true CN102164352A (en) | 2011-08-24 |
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ID=44465260
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2010101115451A Pending CN102164352A (en) | 2010-02-22 | 2010-02-22 | Method for paying household bill by short message |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2013106952A1 (en) * | 2012-01-21 | 2013-07-25 | 博泰雄森（北京）网络科技有限公司 | Payment method and system based on correlation of specific information and terminal number |
| CN103390231A (en) * | 2012-05-07 | 2013-11-13 | 鸿富锦精密工业（深圳）有限公司 | Payment system and method |
| US8682786B2 (en) | 2012-01-21 | 2014-03-25 | Broaddeep (Beijing) Network Technology Co., Ltd. | Method and system for payment based on correlation between product specific information and terminal numbers |
| CN104123638A (en) * | 2014-07-18 | 2014-10-29 | 重庆市博恩科技(集团)有限公司 | Convenient short message payment system and method |
| CN105629859A (en) * | 2016-04-06 | 2016-06-01 | 铁道第三勘察设计院集团有限公司 | Tap water internet of things intelligent management system on the basis of Internet |
| CN105812150A (en) * | 2016-05-20 | 2016-07-27 | 珠海格力电器股份有限公司 | Payment method and device of multi-on-line family-based charging system |
| WO2016115758A1 (en) * | 2015-01-23 | 2016-07-28 | 中兴通讯股份有限公司 | Utility payment method and device |
| CN113965898A (en) * | 2021-10-15 | 2022-01-21 | 北京同城必应科技有限公司 | Dynamic routing and high-availability solution scheme based on multiple short message providers |
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| CN101165716A (en) * | 2006-10-16 | 2008-04-23 | 祁勇 | Electronic payment procedure based on transaction code |
| CN201107859Y (en) * | 2007-06-29 | 2008-08-27 | 南京骏环信息科技有限公司 | Equipment for implementing traffic violation amercement short message paying |
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Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101165716A (en) * | 2006-10-16 | 2008-04-23 | 祁勇 | Electronic payment procedure based on transaction code |
| CN201107859Y (en) * | 2007-06-29 | 2008-08-27 | 南京骏环信息科技有限公司 | Equipment for implementing traffic violation amercement short message paying |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2013106952A1 (en) * | 2012-01-21 | 2013-07-25 | 博泰雄森（北京）网络科技有限公司 | Payment method and system based on correlation of specific information and terminal number |
| US8682786B2 (en) | 2012-01-21 | 2014-03-25 | Broaddeep (Beijing) Network Technology Co., Ltd. | Method and system for payment based on correlation between product specific information and terminal numbers |
| CN103390231A (en) * | 2012-05-07 | 2013-11-13 | 鸿富锦精密工业（深圳）有限公司 | Payment system and method |
| CN104123638A (en) * | 2014-07-18 | 2014-10-29 | 重庆市博恩科技(集团)有限公司 | Convenient short message payment system and method |
| WO2016115758A1 (en) * | 2015-01-23 | 2016-07-28 | 中兴通讯股份有限公司 | Utility payment method and device |
| CN105629859A (en) * | 2016-04-06 | 2016-06-01 | 铁道第三勘察设计院集团有限公司 | Tap water internet of things intelligent management system on the basis of Internet |
| CN105812150A (en) * | 2016-05-20 | 2016-07-27 | 珠海格力电器股份有限公司 | Payment method and device of multi-on-line family-based charging system |
| CN113965898A (en) * | 2021-10-15 | 2022-01-21 | 北京同城必应科技有限公司 | Dynamic routing and high-availability solution scheme based on multiple short message providers |
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Application publication date: 20110824 |