CN102609835A - Recharging method, system and service platform of telecommunication payment card - Google Patents
Recharging method, system and service platform of telecommunication payment card Download PDFInfo
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- CN102609835A CN102609835A CN2012100123939A CN201210012393A CN102609835A CN 102609835 A CN102609835 A CN 102609835A CN 2012100123939 A CN2012100123939 A CN 2012100123939A CN 201210012393 A CN201210012393 A CN 201210012393A CN 102609835 A CN102609835 A CN 102609835A
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Abstract
The invention provides a recharging method, system and service platform of a telecommunication payment card, wherein the method comprises the following steps that: a service platform records the sales information of a telecommunication payment card, wherein the sales information comprises a sales place of the telecommunication payment card; a user terminal sends a recharging request for a third-party payment platform; the third-party payment platform sends an authentication request to the service platform; and the service platform performs effective authentication on the telecommunication payment card, after the effective authentication is verified, payment information is formed, and the service platform returns an authentication verification response to the third-party payment platform, thus the third party payment platform performs recharging operation, and provides the payment information to a payment platform of the sales place, thus the payment platform and the third-party payment platform complete the payment. According to the technical scheme provided by the invention, an account of the third-party payment platform is recharged through the telecommunication payment card, the recharging mode of the third-party payment platform is enriched, and the convenience for a user to recharge the account of the third-party payment platform is improved.
Description
Technical field
The present invention relates to mobile communication technology, relate in particular to a kind of telecommunications pay the fees card recharge method, system and business platform.
Background technology
Along with Development of E-business, increasing third party's payment platform has appearred, and for example Alipay, An Futong, wealth are paid and logically, precious are paid logical, net and pay logical, fast money etc., and these third party's payment platforms are very easy to user's business of paying.
In order to guarantee that the user can successfully use third party's payment platform to carry out reimbursement of expense, the user need supplement with money in the account of third party's payment platform, in the number of the account that guarantees third party's payment platform the enough amount of money to be arranged.At present, third party's payment platform only supports the user to use bank card that its number of the account is supplemented with money.It is thus clear that the mode of supplementing with money that third party's payment platform is supported is more single, it is not too convenient concerning the user, to use bank card to supplement with money, is unfavorable for the use of third party's payment platform.
Summary of the invention
The present invention provides a kind of telecommunications pay the fees card recharge method, system and business platform, in order to enrich the mode of supplementing with money of third party's payment platform, has improved the convenience of user to the account charging of third party's payment platform.
The present invention provides a kind of telecommunications card recharge method of paying the fees, and comprising:
The pay the fees marketing information of card of business platform record telecommunications, said marketing information comprise the pay the fees market of card of said telecommunications;
User terminal sends charging request to third party's payment platform, and said charging request comprises said telecommunications the pay the fees sign of card and the amount of money of paying the fees;
Said third party's payment platform sends authentication request to said business platform, and said authentication request comprises the sign of said third party's payment platform, said telecommunications the pay the fees sign and the said amount of money of paying the fees of card;
Said business platform is according to said telecommunications the pay the fees sign and the said amount of money of paying the fees of card; Said telecommunications paid the fees stick into capable validity authentication; Pay the fees after cartoon crosses the validity authentication in said telecommunications; The pay the fees market of card and the sign of said third party's payment platform of said telecommunications bound the formation settlement information, and return authentication through response, so that said third party's payment platform is supplemented operation with money to said third party's payment platform;
Said business platform offers the settlement platform of said market with said settlement information, so that the settlement platform of said market is accomplished clearing according to said settlement information and said third party's payment platform.
The present invention provides a kind of business platform, comprising:
Logging modle is used to write down the pay the fees marketing information of card of telecommunications, and said marketing information comprises the pay the fees market of card of said telecommunications;
The request receiver module; Be used to receive the authentication request that third party's payment platform sends; Said authentication request comprises the sign of said third party's payment platform, said telecommunications the pay the fees sign of card and the amount of money of paying the fees; And said authentication request is to be sent according to the charging request that user terminal sends to said third party's payment platform by said third party's payment platform, and said charging request comprises said telecommunications the pay the fees sign and the said amount of money of paying the fees of card;
The authentication process module; Be used for according to the telecommunications of said authentication request the pay the fees sign and the said amount of money of paying the fees of card; Said telecommunications paid the fees sticks into capable validity authentication, pays the fees after cartoon crosses the validity authentication in said telecommunications, and the pay the fees market of card and the sign of said third party's payment platform of said telecommunications bound the formation settlement information; And return authentication to said third party's payment platform and pass through response, so that said third party's payment platform is supplemented operation with money;
Settlement handler module is used for said settlement information is offered the settlement platform of said market, so that the settlement platform of said market is accomplished clearing according to said settlement information and said third party's payment platform.
The present invention provides a kind of telecommunications card charging system of paying the fees, and comprises arbitrary business platform provided by the invention, third party's payment platform and user terminal.
Telecommunications of the present invention pay the fees card recharge method, system and business platform; The business platform record telecommunications marketing informations such as market of card when selling of paying the fees, when business platform receives third party's payment platform when paying the fees the authentication request that card sends its request of supplementing with money according to user terminal use telecommunications, telecommunications is paid the fees sticks into capable validation verification; Pay the fees after cartoon crosses checking in telecommunications; Pay the fees market and the third party's payment platform of card of the telecommunications that is write down bound, formed settlement information, and return authentication through response to third party's payment platform; So that third party's payment platform is supplemented operation with money; And thereby the settlement platform and the third party's payment platform that settlement information are offered the market accomplish clearing, realized supplementing with money to the account of third party's payment platform through the telecommunications card of paying the fees, and enriched the mode of supplementing with money of third party's payment platform; Improved the convenience of user, helped the use of third party's payment platform to the account charging of third party's payment platform.
Description of drawings
The pay the fees process flow diagram of card recharge method of the telecommunications that Fig. 1 provides for one embodiment of the invention;
The structural representation of the business platform that Fig. 2 provides for one embodiment of the invention;
The structural representation of the business platform that Fig. 3 provides for another embodiment of the present invention;
The pay the fees structural representation of card charging system of the telecommunications that Fig. 4 provides for one embodiment of the invention.
Embodiment
The pay the fees process flow diagram of card recharge method of the telecommunications that Fig. 1 provides for one embodiment of the invention.As shown in Figure 1, the recharge method of present embodiment comprises:
The pay the fees marketing information of card of step 101, business platform record telecommunications, said marketing information comprise the pay the fees market of card of telecommunications.
In the present embodiment; Responsible telecommunications is paid the fees of business platform sticks into the administration-management reason; Being mainly used in pays the fees to telecommunications sticks into capable validity authentication, record and the telecommunications relevant various information of card etc. of paying the fees, and responsible telecommunications pay the fees inner user management of card provider and business support etc.
Wherein, the telecommunications card of paying the fees can be the rechargeable card of supplementing with money for communication terminal, and for example, UNICOM's one card fills, moves rechargeable card etc.
In the present embodiment, when telecommunications is paid the fees card when being sold, the pay the fees marketing information of card of business platform record telecommunications, this marketing information mainly comprise the pay the fees market of card of telecommunications, can also comprise information such as selling time, sales force.Wherein, the market can be specific to province, districts and cities etc.For example, telecommunications of business platform record card of paying the fees is sold in certain city of certain province, perhaps writes down the telecommunications card of paying the fees and is sold in certain county in certain city of certain province.
In the prior art; Supplement with money at the telecommunications terminal that card all is used in the present networks of paying the fees, and sells the pay the fees expense of card of telecommunications and all belong to the telecommunications card provider that pays the fees, and does not relate to and third-party clearing problem; Therefore, generally can not write down the pay the fees market of card of telecommunications.Even having write down the pay the fees market of card of telecommunications also just carries out information inquiry and facilitates for ease of follow-up.
In the present embodiment, business platform record telecommunications is paid the fees marketing information, the especially market of card in order to settle accounts with third party's payment platform.
Step 102, user terminal are sent charging request to third party's payment platform, and said charging request comprises telecommunications the pay the fees sign of card and the amount of money of paying the fees.
Pay the fees behind the card when the user buys telecommunications, available this telecommunications card of paying the fees is supplemented with money to the account of its third party's payment platform, pays so that use third party's payment platform to carry out business.
The user sends to third party's payment platform through its user terminal and carries telecommunications the pay the fees sign of card and the charging request of the amount of money of paying the fees, and will use the telecommunications card of paying the fees that its account is supplemented with money to inform third party's payment platform.
Wherein, the amount of money of paying the fees can be the pay the fees face amount of card of telecommunications, and for example, the face amount of card is 50 yuan if telecommunications is paid the fees, and the amount of money of then paying the fees is 50 yuan, but is not limited thereto.
Step 103, third party's payment platform send authentication request to business platform, and said authentication request comprises sign, the telecommunications of third party's payment platform the pay the fees sign of card and the amount of money of paying the fees.
After third party's payment platform receives requirement that user terminal sends use telecommunications to pay the fees request that card supplements with money its account; In order to guarantee that this telecommunications card of paying the fees is effective; Need send authentication request to the pay the fees business platform of card of telecommunications, with the requested service platform this telecommunications being paid the fees sticks into capable validity authentication.Simultaneously, third party's payment platform sends to business platform with the sign of oneself, so that business platform identification oneself is third party's payment platform, rather than the user terminal in the business platform Home Network.Wherein, the user terminal of business platform Home Network is generally distinguished through the user number section, and the sign of third party's payment platform of present embodiment is different with the user number section.
Step 104, business platform be according to the telecommunications in the authentication request the pay the fees sign of card and the amount of money of paying the fees, and telecommunications is paid the fees sticks into capable validity authentication, judges whether authentication is passed through; If judged result is for being, promptly the telecommunications cartoon of paying the fees is crossed the validity authentication, and then execution in step 105; Otherwise, execution in step 107.
In the present embodiment; Writing down the pay the fees various information of card of relevant telecommunications on the business platform, for example pay the fees the fabrication batch information, essential information, card charging information, client's brand message, card operation information, card operator message of card, corresponding user number segment information etc. of telecommunications.In the present embodiment, also record the pay the fees market information of card of telecommunications on the business platform, comprise province information and districts and cities' information.Also record the telecommunications settlement information between card and the third party's business platform of paying the fees on the business platform.
Wherein, fabrication batch information mainly comprises: fabrication batch number, fabrication time, card medium type, card Noodles type, telecommunications pay the fees the initial card number of card, telecommunications pay the fees card end card number, telecommunications pay the fees card quantity, put deadline, card manufacturer sign, face amount in storage, whether give information such as card sign.
Essential information mainly comprises: card number (be described telecommunications pay the fees the sign of card), fabrication batch number, password, face amount, remaining sum, the term of validity, city coding, card state, service attribute, card home network classification, whether give card sign etc.
The card charging information mainly comprises: the serial number of paying the fees, access province coding, access medium type, card number, the number of the account of paying the fees, the number of the account of paying the fees type of service, the number of the account of paying the fees client brand, the attribution of account numbers province of paying the fees, the number of the account of paying the fees belong to districts and cities, the amount of money of paying the fees, the time of paying the fees, the type of paying the fees, the state of paying the fees, whether give card sign etc.The number of the account of paying the fees mainly be meant the telecommunications rechargeable card to supplement the number of the account of object (for example other closing units in third party's payment platform or the business platform place net) with money.The number of the account of paying the fees ownership province, districts and cities, the number of the account of the paying the fees type of service and the number of the account client brand of paying the fees are mainly used in the relevant information that is write down when each closing unit settles accounts in the net of business platform place.Wherein, for third party's payment platform, can a virtual province and districts and cities be set for its number of the account.
The card operation information mainly comprises: card operation note numbering, running time, operation come origin system, operation come source node, operator, action type, the initial card number of operation (i.e. first telecommunications pay the fees the card number of card), operation by the card number card number of card (last telecommunications pay the fees), operating result, the preceding card state of operation, operate after card state, remark information etc.Wherein, operation comes origin system and operation to come source node to be used to write down every telecommunications card of paying the fees where to be used in.Wherein, action type can be to supplement (use telecommunications pay the fees card supplement with money as communication terminal in third party's payment platform or the Home Network etc.) with money, and correspondingly, operating result is a successful recharging, and the card state be effectively before the operation, and the card state is for supplement with money after the operation.In addition, action type can also be inquiry, modification, sale etc.When user's access service platform, no matter be to carry out inquiry, revise or supplement operation with money, all can be related with the telecommunications card generation of paying the fees, these operations all can be recorded in the card operation information.Wherein, these operations can be carried out record by the card operator, but are not limited thereto.
Client's brand message mainly comprises: information such as brand coding, brand name, affiliated fundamental type.These information are relevant with the type of service that operator is provided, and are mainly used in business platform belonging network inside and settle accounts, and are related with technical scheme of the present invention little, so do not elaborate.
The card operator message mainly comprises: operator's job number, password, name etc.The card operator is responsible for the telecommunications personnel that card manages for information about that pay the fees, through obtaining the pay the fees information of card each side of telecommunications alternately with business platform.
The telecommunications corresponding user number segment information of card of paying the fees mainly stores the pay the fees the whole network user's of card provider number segment information of telecommunications, for example comprises: information such as number section ID, number section initial number, number section end number, Service Brand.In addition, in the present embodiment, in the user number section, also increase the sign of third party's payment platform, be used to identify third party's payment platform of supplementing with money.Wherein, be linked into through various channels in the process of business platform the user, business platform can judge that inserting the user is this network users or third party's payment platform through user number section entity.For example, business platform can judge that this access user is third party's payment platform through the sign of the third party's payment platform in the authentication request.
The province information spinner will comprise: information such as province coding, province title.
Districts and cities' information spinner will comprise: information such as districts and cities' coding, province coding and districts and cities' title.
Settlement data information between inner each closing unit of Home Network of the data message that the settlement information system's (for example third party's payment platform) outside business platform and the Home Network that mainly stores settles accounts and business platform place for example comprises: clearing calculation date, billing cycle from date, billing cycle Close Date, card ownership districts and cities, account ownership districts and cities, fill the amount of money, charge into the amount of money, client's brand etc.For example, account ownership districts and cities can be the account ownership districts and cities of third party's payment platform, and the ownership districts and cities of third party's payment platform can be virtual districts and cities.Wherein, fill the amount of money and be meant the amount of money of being paid other closing units in outer net system or the Home Network by this business platform, charging into the amount of money mainly is that other closing units' payments are the amount of money of this business platform in being netted by this business platform place.
Based on above-mentioned information, business platform is after receiving authentication request, at first according to the type of service of third party's payment platform; Carry out forwards, the coupling of message format etc. are handled operation, obtain wherein the telecommunications card of paying the fees then and identify; Can in essential information, inquire about according to pay the fees card sign of telecommunications, obtain telecommunications pay the fees other essential informations of card, for example face amount, remaining sum; Judge that through remaining sum whether this telecommunications card of paying the fees also has the amount of money, judges promptly whether also effectively it.In addition, business platform also can be inquired about in the operation information at card charging information and card, obtains and this telecommunications relevant charging information of card of paying the fees, and judges according to relevant charging information whether this telecommunications card of paying the fees is effective.Moreover whether business platform also can record the pay the fees sign of card of telecommunications through judging on it, judges whether this telecommunications card of paying the fees is effective.If it is effective to judge the telecommunications card of paying the fees, whether business platform can be further reasonable according to telecommunications face amount or the remaining sum judgement of the card amount of money of paying the fees of paying the fees, if the amount of money of for example paying the fees greater than telecommunications the pay the fees face amount or the remaining sum of card, the amount of money of then paying the fees is unreasonable.
Effective when the telecommunications card of paying the fees, and the amount of money of paying the fees is when reasonable, and the telecommunications card of paying the fees could pass through the validity authentication.
Step 105, business platform are bound the formation settlement information with the pay the fees market of card and the sign of third party's payment platform of telecommunications, and return authentication through response, so that third party's payment platform is supplemented operation with money to third party's payment platform.
When going out telecommunications, business platform judges pays the fees card when effective; The pay the fees market of card and the sign of third party's payment platform of telecommunications bound; Promptly according to telecommunications the pay the fees record such as the sign of card, the sign of third party's payment platform or upgrade and this telecommunications relevant information of card of paying the fees of market, the telecommunications of card of paying the fees, for example more the neocaine operation information, block charging information, settlement information etc.
Simultaneously, business platform returns telecommunications to third party's payment platform and pays the fees authentication that cartoon crosses the validity authentication through response, so that third party's payment platform is supplemented operation with money.Concrete, third party's payment platform writes the amount of money of paying the fees in this user terminal corresponding account number, supplement operation with money thereby accomplish.
Step 106, business platform offer the settlement platform of market with settlement information, so that the settlement platform of market is accomplished clearing according to settlement information and said third party's payment platform.
Business platform offers the settlement platform of market with settlement information, carries out disbursement and sattlement by settlement platform and third party's payment platform of market based on the settlement information that is generated.Concrete, the settlement platform of market charges into the amount of money identical with the amount of money of paying the fees according to settlement information in the number of the account of third party's payment platform, to accomplish clearing with third party's payment platform.
Further, third party's payment platform accomplish supplement operation with money after, third party's payment platform also can return the completion information of supplementing with money to business platform, and in supplementing completion information with money, carries the pay the fees sign of card of telecommunications.Business platform identifies the telecommunications card of paying the fees according to supplementing the pay the fees sign of card of telecommunications in the completion information with money; And upgrade and this telecommunications relevant information of card of paying the fees; For example will block the state of paying the fees in the charging information is designated as and pays the fees successfully; Promptly sign is paid the fees successfully, for example can also write down information such as the amount of money of paying the fees, the time of paying the fees, the type of paying the fees again.
Further, after operation was supplemented in the completion of third party's payment platform with money, third party's payment platform also can return successful recharging information to user terminal, accomplished and success to inform that user terminal is supplemented with money.
Step 107, business platform return the failed authentication response to third party's payment platform.
Card is not through the validity authentication if telecommunications is paid the fees, and business platform returns the failed authentication response to third party's payment platform, so that third party's payment platform finishes to supplement with money operation.At this moment, third party's payment platform can also return to user terminal and supplement failure information with money, supplements failure with money to inform user terminal.
The telecommunications of the present embodiment card recharge method of paying the fees; The business platform record telecommunications marketing informations such as market of card when selling of paying the fees, when business platform receives third party's payment platform when paying the fees the authentication request that card sends its request of supplementing with money according to user terminal use telecommunications, telecommunications is paid the fees sticks into capable validation verification; Pay the fees after cartoon crosses checking in telecommunications; Pay the fees market and the third party's payment platform of card of the telecommunications that is write down bound, formed settlement information, and return authentication through response to third party's payment platform; So that third party's payment platform is supplemented operation with money; And thereby the settlement platform that settlement information offers the market accomplished the clearing with third party's payment platform, realized supplementing with money to the account of third party's payment platform through the telecommunications card of paying the fees, enriched the mode of supplementing with money of third party's payment platform; Improved the convenience of user, helped the use of third party's payment platform to the account charging of third party's payment platform.
The structural representation of the business platform that Fig. 2 provides for one embodiment of the invention.As shown in Figure 2, the business platform of present embodiment comprises: logging modle 21, request receiver module 22, authentication process module 23 and settlement handler module 25.
Wherein, logging modle 21 is used to write down the pay the fees marketing information of card of telecommunications, and said marketing information comprises the pay the fees market of card of telecommunications.
Each functional module of present embodiment business platform can be used for carrying out the pay the fees flow process of card recharge method of telecommunications shown in Figure 1, and its concrete principle of work repeats no more, and sees the description of method embodiment for details.
The business platform of present embodiment; Through the record telecommunications marketing informations such as market of card when selling of paying the fees, when receiving third party's payment platform when paying the fees the authentication request that card sends its request of supplementing with money according to user terminal use telecommunications, telecommunications is paid the fees sticks into capable validation verification; Pay the fees after cartoon crosses checking in telecommunications; Pay the fees market and the third party's payment platform of card of the telecommunications that is write down bound, formed settlement information, and return authentication through response to third party's payment platform; So that third party's payment platform is supplemented operation with money; And thereby the settlement platform and the third party's payment platform that settlement information are offered the market accomplish clearing, realized supplementing with money to the account of third party's payment platform through the telecommunications card of paying the fees, and enriched the mode of supplementing with money of third party's payment platform; Improved the convenience of user, helped the use of third party's payment platform to the account charging of third party's payment platform.
The structural representation of the business platform that Fig. 3 provides for another embodiment of the present invention.Present embodiment is based on realization embodiment illustrated in fig. 2, and is as shown in Figure 3, and the business platform of present embodiment also comprises: information receiving module 24.
In addition; Logging modle 21 is except writing down above-mentioned information; Can also be responsible for writing down telecommunications the pay the fees market information of card of fabrication batch information, essential information, client's brand message, card operation information, card operator message, corresponding user number segment information, the telecommunications of card of paying the fees; Comprise province information and districts and cities' information, and the telecommunications settlement information of card etc. of paying the fees.
The authentication process module 23 of present embodiment also is used for paying the fees card when the validity authentication in telecommunications, returns the failed authentication response to third party's payment platform, so that third party's payment platform finishes to supplement with money operation.
Above-mentioned each functional module can be used for carrying out the telecommunications shown in Figure 1 corresponding flow process in the card recharge method of paying the fees, and its concrete principle of work repeats no more, and sees the description of method embodiment for details.
The business platform of present embodiment; Through the record telecommunications marketing informations such as market of card when selling of paying the fees, when receiving third party's payment platform when paying the fees the authentication request that card sends its request of supplementing with money according to user terminal use telecommunications, telecommunications is paid the fees sticks into capable validation verification; Pay the fees after cartoon crosses checking in telecommunications; Pay the fees market and the third party's payment platform of card of the telecommunications that is write down bound, formed settlement information, and return authentication through response to third party's payment platform; So that third party's payment platform is supplemented operation with money; And thereby the settlement platform and the third party's payment platform that settlement information are offered the market accomplish clearing, realized supplementing with money to the account of third party's payment platform through the telecommunications card of paying the fees, and enriched the mode of supplementing with money of third party's payment platform; Improved the convenience of user, helped the use of third party's payment platform to the account charging of third party's payment platform.
The pay the fees structural representation of card charging system of the telecommunications that Fig. 4 provides for one embodiment of the invention.As shown in Figure 4, the charging system of present embodiment comprises: business platform 41, third party's payment platform 42 and user terminal 43.
Wherein, the business platform that business platform 41 provides for the foregoing description, its concrete implementation structure can be referring to Fig. 2 or shown in Figure 3, and its principle of work can repeat no more at this referring to the description of method shown in Figure 1.
The user terminal 43 of present embodiment is connected with third party's payment platform 42, is mainly used in to third party's payment platform 42 and sends charging request, and in charging request, carry telecommunications the pay the fees sign of card and the amount of money of paying the fees.
Third party's payment platform 42; Be connected with business platform 41; Be mainly used in to business platform 41 and send authentication request; And sign, the telecommunications of in authentication request, carrying third party's payment platform the pay the fees sign of card and the amount of money of paying the fees, and be responsible for receiving authentication that business platform 41 returns through response or failed authentication response.If third party's payment platform 42 receives authentication through response, then supplement operation with money through response according to authentication; If receive the failed authentication response, then response finishes to supplement with money operation according to failed authentication.
In addition, after operation was supplemented in completion with money, third party's payment platform 42 can also send to business platform 41 and supplement completion information with money, supplements completion with money with informing service platform 41, so that business platform 41 carries out relevant recording operation according to supplementing completion information with money.
Further, after operation was supplemented in completion with money, third party's payment platform 42 can also return successful recharging information to user terminal 43, to inform user terminal 43 successful recharging.
The telecommunications of the present embodiment card charging system of paying the fees; Can be used for carrying out the pay the fees flow process of card recharge method of telecommunications shown in Figure 1; It has realized supplementing with money to the account of third party's payment platform through the telecommunications card of paying the fees equally; Enriched the mode of supplementing with money of third party's payment platform, improved the convenience of user, helped the use of third party's payment platform to the account charging of third party's payment platform.
One of ordinary skill in the art will appreciate that: all or part of step that realizes said method embodiment can be accomplished through the relevant hardware of programmed instruction; Aforesaid program can be stored in the computer read/write memory medium; This program the step that comprises said method embodiment when carrying out; And aforesaid storage medium comprises: various media that can be program code stored such as ROM, RAM, magnetic disc or CD.
What should explain at last is: above embodiment is only in order to explaining technical scheme of the present invention, but not to its restriction; Although with reference to previous embodiment the present invention has been carried out detailed explanation, those of ordinary skill in the art is to be understood that: it still can be made amendment to the technical scheme that aforementioned each embodiment put down in writing, and perhaps part technical characterictic wherein is equal to replacement; And these are revised or replacement, do not make the scope of the essence disengaging various embodiments of the present invention technical scheme of relevant art scheme.
Claims (10)
1. telecommunications card recharge method of paying the fees is characterized in that, comprising:
The pay the fees marketing information of card of business platform record telecommunications, said marketing information comprise the pay the fees market of card of said telecommunications;
User terminal sends charging request to third party's payment platform, and said charging request comprises said telecommunications the pay the fees sign of card and the amount of money of paying the fees;
Said third party's payment platform sends authentication request to said business platform, and said authentication request comprises the sign of said third party's payment platform, said telecommunications the pay the fees sign and the said amount of money of paying the fees of card;
Said business platform is according to said telecommunications the pay the fees sign and the said amount of money of paying the fees of card; Said telecommunications paid the fees stick into capable validity authentication; Pay the fees after cartoon crosses the validity authentication in said telecommunications; The pay the fees market of card and the sign of said third party's payment platform of said telecommunications bound the formation settlement information, and return authentication through response, so that said third party's payment platform is supplemented operation with money to said third party's payment platform;
Said business platform offers the settlement platform of said market with said settlement information, so that the settlement platform of said market is accomplished clearing according to said settlement information and said third party's payment platform.
2. the telecommunications according to claim 1 card recharge method of paying the fees is characterized in that, also comprises:
Said third party's payment platform sends the completion information of supplementing with money to said business platform after accomplishing and supplementing operation with money, and the said completion information of supplementing with money comprises the pay the fees sign of card of said telecommunications;
Said business platform is according to the pay the fees sign of card of said telecommunications, writes down the pay the fees information of card of said telecommunications.
3. the telecommunications according to claim 2 card recharge method of paying the fees is characterized in that, said business platform is according to the pay the fees sign of card of said telecommunications, writes down the pay the fees information of card of said telecommunications and comprises:
Said business platform is according to the pay the fees sign of card of said telecommunications, writes down said telecommunications the pay the fees amount of money of card, the time of paying the fees, the success of paying the fees sign and the type of paying the fees.
4. according to claim 1 or the 2 or 3 described telecommunications card recharge method of paying the fees, it is characterized in that, also comprise:
Said third party's payment platform returns successful recharging information to said user terminal after accomplishing and supplementing operation with money.
5. according to claim 1 or the 2 or 3 described telecommunications card recharge method of paying the fees, it is characterized in that,
Card is not through the validity authentication if said telecommunications is paid the fees, and said business platform returns the failed authentication response to said third party's payment platform.
6. a business platform is characterized in that, comprising:
Logging modle is used to write down the pay the fees marketing information of card of telecommunications, and said marketing information comprises the pay the fees market of card of said telecommunications;
The request receiver module; Be used to receive the authentication request that third party's payment platform sends; Said authentication request comprises the sign of said third party's payment platform, said telecommunications the pay the fees sign of card and the amount of money of paying the fees; And said authentication request is to be sent according to the charging request that user terminal sends to said third party's payment platform by said third party's payment platform, and said charging request comprises said telecommunications the pay the fees sign and the said amount of money of paying the fees of card;
The authentication process module; Be used for according to the telecommunications of said authentication request the pay the fees sign and the said amount of money of paying the fees of card; Said telecommunications paid the fees sticks into capable validity authentication, pays the fees after cartoon crosses the validity authentication in said telecommunications, and the pay the fees market of card and the sign of said third party's payment platform of said telecommunications bound the formation settlement information; And return authentication to said third party's payment platform and pass through response, so that said third party's payment platform is supplemented operation with money;
Settlement handler module is used for said settlement information is offered the settlement platform of said market, so that the settlement platform of said market is accomplished clearing according to said settlement information and said third party's payment platform.
7. business platform according to claim 6 is characterized in that, also comprises:
Information receiving module is used to receive said third party's payment platform and supplements the completion information of supplementing with money that send the operation back with money in completion, and the said completion information of supplementing with money comprises the pay the fees sign of card of said telecommunications;
Said logging modle also is used for according to the pay the fees sign of card of said telecommunications of supplementing completion information with money, writes down the pay the fees information of card of said telecommunications.
8. business platform according to claim 7; It is characterized in that; Said logging modle specifically is used for according to the pay the fees sign of card of said telecommunications of supplementing completion information with money, writes down said telecommunications the pay the fees amount of money of card, the time of paying the fees, the success of paying the fees sign and the type of paying the fees.
9. according to claim 6 or 7 or 8 described business platforms, it is characterized in that said authentication process module also is used for paying the fees card when the validity authentication in said telecommunications, returns the failed authentication response to said third party's payment platform.
10. telecommunications card charging system of paying the fees is characterized in that, comprises each described business platform of claim 6-9, third party's payment platform and user terminal.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2012100123939A CN102609835A (en) | 2012-01-16 | 2012-01-16 | Recharging method, system and service platform of telecommunication payment card |
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| CN2012100123939A CN102609835A (en) | 2012-01-16 | 2012-01-16 | Recharging method, system and service platform of telecommunication payment card |
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| CN102609835A true CN102609835A (en) | 2012-07-25 |
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| CN2012100123939A Pending CN102609835A (en) | 2012-01-16 | 2012-01-16 | Recharging method, system and service platform of telecommunication payment card |
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