CN101001155A - Internet information content charging method, system and related computer readable storage medium - Google Patents
Internet information content charging method, system and related computer readable storage medium Download PDFInfo
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Abstract
Provided is a system of paying for internet information contents, including: a user terminal, a payment server, an information content supplier server, a risk management server and a communication network which interconnects the user terminal and the payment server and the information content supplier server and the risk management server by a wire/wireless path, and an information is transmitted between them. The user terminal includes a transmitted/received unit, a character input unit, a display unit and a control unit. The payment server includes an input/output unit, a control unit and a memory unit. The information content supplier server includes an input/output unit, a control unit and a memory unit. The risk management server includes an input/output unit, a payment detail record database, an analysis database, a first regulation database, a second regulation database, a check-accomplished rules mdatabase and a control unit.
Description
Technical field
The present invention relates to computer-readable recording medium and internet information content charging system that internet information content charging method, storage are used to carry out the program of this method, relate in particular to: the internet information content charging method of application risk management system (RMS), this risk management system can prevent the arrearage for internet information content (outstandingfee) that caused by user inferior, link information supplier inferior (IP) and Information Content Provider inferior (CP); Storage is used to carry out the computer-readable recording medium of the program of this internet information content charging method; And internet information content charging system with this risk management system.
Background technology
Recently, well-known has the whole bag of tricks that uses mobile phone to pay as internet information content.For example, Korean utility model patent No.0193499 discloses a kind of method, with the common telephone with unique telephone number, mobile phone, and personal communicator different, can't be with the direct assessment of expense during to the user of access communications vendor server, this method then from user's receiving dialed number and password, use this telephone number and password call user, service be provided to this user and levy expense at this service.
But different with various payment methods, in the payment methods of internet information content, adopt an efficient prognoses system that can prevent that paying inferior or malice from paying as yet.In other words, take place often to connect the arrearage that IP or poor quality/fallacious message content provider cause to internet information content by poor quality/malicious user, poor quality/malice, but the still untapped technical scheme that goes out to address this problem.But the internet information content that exists user error inferior ground to pay for cash recently carries out operation for paying the fee, and the situation of with cash this information content not being paid subsequently.Also exist in addition and buy tens information contents in the malice IP short time, or user inferior or IP inferior and Information Content Provider inferior make operation for paying the fee and situation about disappearing immediately mistakenly.
Summary of the invention
That is intended to address the above problem an object of the present invention is: the internet information content charging method of a kind of application risk management system (RMS) is provided, and this RMS can prevent by poor quality/malicious user, poor quality/malice link information supplier (IP), reach the arrearage to internet information content that poor quality/fallacious message content provider (CP) causes; Provide a kind of storage to be used to carry out the computer-readable recording medium of the program of this method; And provide a kind of internet information content charging system with this risk management system.
By the embodiment of example of the present invention, will describe and understand other purpose of the present invention and advantage.Objects and advantages of the present invention can be realized by the combination of device defined in the appended claims and these devices.
A scheme provides a kind of internet information content charging method according to the present invention, comprises step: the ordering information that receives the user; Through communication network this ordering information is sent to a payment server; According to this ordering information, make this payment server accept payment request message to one and send to a user terminal through communication network; When this user terminal receives this and accepts payment request message, make this user terminal accept paying message to one and send to this payment server through this communication network; Make this payment server ask an information content supplier server that the required information of pay content is accepted in use and send to this user terminal; Make this information content supplier server send to this user terminal using this to accept the required information of content; Make this payment server send to a risk management server to a paying detail record, and this paying detail record is stored in the paying detailed recorded data storehouse of this risk management server; Make this risk management server data conversion and index stores this paying detail record in paying detailed recorded data storehouse, so that obtain an analytical database; According to this analytical database data are carried out digging (mining), extract one first rule, and this first rule is deposited with in one first rule database; Check first rule that this is deposited, so that obtain a true value probability; And at this true value probability during, this first rule is finished the examination that rule is deposited with this risk management server as examination finish in the rule database more than or equal to a predetermined value.
According to another aspect of the present invention, provide a kind of storage to be used to carry out the computer-readable recording medium of the program of this internet information content charging method.
According to another aspect of the present invention, a kind of internet information content charging system is provided, comprise: communication network makes user terminal, payment server, information content supplier server and risk management server interconnect and send mutually information by the wire/wireless path;
User terminal, include transmission/receiving element, character input unit, be used to import short message first, send to this payment server so that will accept paying message, make the user use content, the display unit of an information content supplier server, be used to show comprise short message and the control unit that uses the short message of accepting the required information of pay content and pass through this character input unit input, be used to control this transmission/receiving element, this character input unit and this display unit; Payment server, include I/O unit, be used for through this communication network transmission/reception information, control unit, be used to make this I/O unit will accept payment request message and send to user terminal according to the user's ordering information that receives from this I/O unit, and the paying detail record is sent to this risk management server, so that this paying detail record is stored in the paying detailed recorded data storehouse of this risk management server and memory cell, is used for storage and deposits data; Information content supplier server, include I/O unit, be used for through this communication network transmission/reception information, control unit, be used for sending when using this to accept the required information of pay content at this payment server requested content provider server, make this I/O unit accept the required information of pay content to use and send to user terminal and memory cell, be used for storage and deposit data; The risk management server, include I/O unit, be used for through this communication network transmission/reception information, paying detailed recorded data storehouse, be used for storage and deposit this paying detail record, analytical database, it is by paying detail record in this paying detailed recorded data storehouse carries out data conversion and index obtains to being deposited with, first rule database, be used for depositing first rule that the data that obtain according to the information that is deposited with this analytical database by digging are extracted, second rule database, be used to deposit one second rule of conversion in order to check this first rule, rule database is finished in examination, be used to deposit the rule of checking, and control unit, be used to control this I/O unit, be deposited with the data conversion and the index of this paying detail record in this paying detailed recorded data storehouse, data mining on this analytical database basis, this first rule is to the conversion of second rule, the examination of this second rule, and the depositing of database.
Description of drawings
The detailed description of the most preferred embodiment by the reference accompanying drawing, above-mentioned and further feature of the present invention and advantage will become obvious, wherein:
Fig. 1 illustrates the schematic block diagram according to the internet information content charging system of the embodiment of the invention;
Fig. 2 illustrates the composition schematic block diagram of user terminal shown in Figure 1 100;
Fig. 3 illustrates the composition schematic block diagram of payment server shown in Figure 1 200;
Fig. 4 illustrates the composition schematic block diagram of Information Content Provider shown in Figure 1 (CP) server 300;
Fig. 5 illustrates the composition schematic block diagram of risk management server 400 shown in Figure 4;
Fig. 6 illustrates internet information content charging method according to another embodiment of the present invention;
Fig. 7 illustrates internet information content charging method according to another embodiment of the present invention;
Fig. 8 illustrates and is used for carrying out the paying detail record and first and second rules of risk management at internet information content charging method according to another embodiment of the present invention; With
Fig. 9 illustrates and is used for carrying out the warning of risk management and the example that rule is finished in the blocking-up examination at internet information content charging method according to another embodiment of the present invention.
Embodiment
Now the present invention is described in more detail with reference to the accompanying drawing that example embodiment of the present invention is shown.
Fig. 1 illustrates the schematic block diagram according to the internet information content charging system of the embodiment of the invention.As shown in Figure 1, the internet information content charging system according to present embodiment comprises user terminal 100, payment server 200, Information Content Provider (CP) server 300, risk management server 400 and communication network 500.Wherein this communication network 500 comprises that all wire communication line comprises wireless communication line again.Payment server 200 and information content supplier server 300 can be in same Local Area Network, or are included in the server, send each other/reception information.Similarly, payment server 200 and risk management server 400 can be in same LAN, or are included in the server.Those skilled in the art obviously understand the method for designing of above-mentioned composition, and therefore the descriptions thereof are omitted.Describe these compositions in detail with reference to Fig. 2 to Fig. 5 subsequently.
Fig. 2 illustrates the composition schematic block diagram of user terminal shown in Figure 1 100.As shown in Figure 2, user terminal 100 comprises transmission/receiving element 110, character input unit 120, display unit 130 and control unit 140.Usually, user terminal 100 comprises mobile phone or has the various terminals of function of cellular phone, for example PDA(Personal Digital Assistant) phone or smart phone.
Wherein, transmission/receiving element 110 transmission/reception information and data make user terminal 100 and payment server 200 communicate with one another through this communication network 500.In addition, user terminal 100 can be communicated by letter with information content supplier server 300, with and/or in case of necessity this user terminal 100 can communicate by letter with this risk management server 400 by this transmission/receiving element 110.This transmission/receiving element 110 generally includes send/receive antenna, up-conversion mixer, down-conversion mixer and amplifier, and can use superhet or Direct Transform method (comprising zero IF method and low IF method) to launch/reception information and data through this communication network 500.Transmission/receiving element 110 can be connected with Wireline partly or fully.
In addition, when accepting that paying message sends to payment server 200 and when making this user use to be provided at the information content on the internet by information content supplier server 300, this character input unit 120 is used to accept paying message with the input of SMS service (SMS) form.Wherein, when accepting payment request message and send to user terminal 100, this is accepted paying message and is then sent to payment server 200 by user terminal 100 in payment server 200.To describe in detail it after a while.And character input unit 120 can adopt one of any in the multiple characters input method.Though embodiments of the invention are described according to short message, under the condition that does not deviate from the scope of the invention, can use Multimedia Message to realize the present invention.
In addition, when this user therefore provide when finishing the order of rule and sending alert message to the user's corresponding phone with this user's order corresponding to an examination or when IP or user's telephone number be blocked and so when a blocking message reported to this user, 140 of control units are used to show this alert message or this blocking message.
Though be the user terminal of describing with reference to figure 2 100, but those skilled in the art obviously understand, because the current terminal of selling, so can use the identical any terminal of function with the used user terminal of its function and the present invention with various configurations and function.
Fig. 3 illustrates the composition schematic block diagram of this payment server 200 shown in Figure 1.
As shown in Figure 3, I/O unit 210 is through communication network 500 transmission/reception information.I/O unit 210 is communicated by letter with communication network 500 by wired or wireless circuit.The configuration of I/O unit 210 is known, and therefore the descriptions thereof are omitted.
The all components of control unit 220 control payment server 200.Specifically, when providing an order, (move-origin (MO) technology) by user terminal 100, this I/O unit 201 of 220 orders of control unit sends the ordering information echo request, make user's ordering information receive, analyze and be sent to the information content supplier server 300 relevant, so that request is to the examination of this ordering information with this ordering information by I/O unit 210.And, after this information content supplier server 300 is finished this examination, the examination result that control unit 220 order I/O units 210 receive from this information content supplier server 300.
At this moment, when this checks successfully, control unit 220 makes this I/O unit 210 send to user terminal 100 by communication network 500 accepting payment request message, and when this examination failure, any message of not accepting an order is sent to user terminal 100 by communication network 500.
When the ordering information that receives on the webpage in the internet be by information content supplier server 300 that provide rather than by this user terminal 100 provide the time (with a kind of method of web technology and MO technical combinations), then need not to check this user's ordering information.This is because this ordering information is to import by the input domain that is provided by information content supplier server 300.Therefore, when importing this ordering information by the pages of Internet that is provided by Information Content Provider 300, the control unit 220 of payment server sends to user terminal 100 with an accounts message that sends to portable terminal (accepting payment request message) relevant with ordering information through communication network 500.
In addition, control unit 220 makes I/O unit 210 send to this risk management server 400 to the paying detail record, makes this paying detail record be stored in the paying detailed recorded data storehouse 430.And, in case of necessity should the paying detail record can be side by side or be stored in respectively in the memory cell 230 of this payment server 200.
Various data are stored and deposited to memory cell 230.In addition, memory cell 230 can receive and store this examination and finish rule.Memory cell 230 can be realized by various memories.
Wherein, payment server 200 can be managed by communication common carrier, paying gating (PG) company or paid service supplier (PSP) company of this communication network 500 of management.In addition, in case of necessity, payment server 200 can be managed by a concrete Information Content Provider (CP).
Fig. 4 illustrates the composition schematic block diagram of Information Content Provider shown in Figure 1 (CP) server 300.As shown in Figure 4, I/O unit 310 is through communication network 500 transmission/reception information.This I/O unit 310 is communicated by letter with communication network 500 by wired or wireless circuit.The configuration of this I/O unit 310 is known, and therefore the descriptions thereof are omitted.
The all components of control unit 320 control information content provider server 300.Specifically, control unit 320 examination is one of any corresponding with own information content information whether by the ordering information of payment server 200 request examinations, and make I/O unit 310 send to payment server 200 to the examination result.In addition, when by payment server 200 request use being accepted the required information of pay content and sends to user terminal 100, this control unit 320 will make this I/O unit 310 send to user terminal 100 using this to accept the required information of pay content.
And when this user imports ordering information on the web of information content supplier server 300, control unit 320 will be controlled the processing procedure of the ordering information of importing for the web by information content supplier server 300.In addition, when receiving from payment server 200 when finishing the report that regular corresponding order is presented with examination, control unit 320 can ask payment server 200 to send alert message at this order, and blocks the number or the IP of this user terminal.And the control unit 320 of information content supplier server 300 can directly be blocked this ID, the resident user terminal number of depositing number and user.
Various data are stored and deposited to memory cell 330.In addition, memory cell 330 can receive and store this examination and finish rule.Memory cell 330 can be realized by various memories.
Fig. 5 illustrates the block component diagram of risk management server 400 shown in Figure 4.As shown in Figure 5, I/O unit 410 is through communication network 500 transmission/reception information.I/O unit 410 is communicated by letter with communication network 500 by wired or wireless circuit.The configuration of I/O unit 410 is known, and therefore the descriptions thereof are omitted.
Paying detailed recorded data storehouse 430 is used to store the paying detail record that the information content on the internet is provided by information content supplier server 400.The paying detail record sends to risk management server 400 from payment server 200.In addition, can in the memory cell 230 of payment server 200, provide and this paying detailed recorded data storehouse 430 similar databases.
Wherein, the paying detail record of storing and being deposited with in this paying detailed recorded data storehouse 430 preferably includes the part or all of of the following: the user terminal telephone number, user's the resident number of depositing, user's zone, user's grade, user's sex, user's age, user's usage count in scheduled time slot, the quantity of the IP that the user uses in scheduled time slot, the quantity of the Information Content Provider that the user uses in scheduled time slot, user's service time in scheduled time slot, the pattern of user's predetermined percentage is used the period in predetermined periods, the pattern that is used in user's predetermined percentage in the predetermined periods uses the period to remove the service time of this user in scheduled time slot and a value obtaining, the user is to the summation of the usage charges of the information content in scheduled time slot, the mean value of user's usage charges, use the summation of the usage charges in the period in the pattern of this predetermined percentage, and the pattern of this predetermined percentage is used the mean value of the usage charges of period.Can from form shown in Figure 8, see this example.
Wherein this user gradation can be classified as domestic consumer's terminal, have the user terminal of arrearage and the user terminal of not opening.Even also can on the internet, buy the portable terminal of the information content when user terminal of not opening is meant and does not open telephone service in China, and can have the debit card of predetermined amount of money to use by purchase.In addition, can substitute this user's the resident number of depositing as the various Social Security Numbers of authenticating user identification.
The scheduled time slot of paying detail record can be the one of any preferred of a week, fortnight and month, but is not limited to these examples.In other words, this scheduled time slot preferably is defined as easily obtaining this examination and is finished a period of rule.And user's zone can be user's the residential area or the position of user company, but is not limited to these examples.It is unit that user's zone can be classified into province and big city, or Yi Shi, county and administrative area are the administration zone of unit.
And, predetermined percentage can be 33.3%, 50%, 66.6% and 75% one of any, and preferably be defined as obtaining the percentage that rule is finished in this examination easily by various examinations.
By paying detail record in this paying detailed recorded data storehouse 430 carries out data conversion and index prepares an analytical database 440 to being deposited with.Wherein, by this paying detail record being carried out pack into each predetermined section and index is applied to each predetermined section realizes this data conversion and index of digitlization.This example will be described with reference to Fig. 8 subsequently.
First rule database, 450 storages, first rule.According to the information digging data that are deposited with in this analytical database 440, and extract first the rule and be deposited with in first rule database 450.A kind of method of digging data is to use a neural net or cluster method, but is not limited to this example.Those skilled in the art can use the whole bag of tricks of digging data.To with reference to Fig. 8 the example of first rule as used herein be described subsequently in addition.
Second rule database, 460 storages, second rule.In other words, first rule that is deposited with in first rule database 450 is converted into for the second useful rule of examination, and this second rule is deposited with in this second rule database 460.Wherein, convert second rule to and mean an index translation that is used for each predetermined section is become to comprise a form of paying detail record being deposited with first rule in this first rule database 450, so that this paying detail record is done data conversion and index.Similarly, will with reference to Fig. 8 the example of second rule as used herein be described subsequently.
An examination is finished rule database 470 these examinations of storage and is finished rule.In other words, check this second rule and obtain a true value probability, and determine that whether this true value probability is more than or equal to a predetermined value.If this true value probability is more than or equal to this predetermined value, then the control unit 420 of risk management server 400 will make examination finish rule database 470 second rule is deposited to this examination to finish rule.
Wherein when this predetermined value is determined,, must be only, this true value probability finishes rule when just being considered as second rule to check near 100% the time very much according to the criterion of " rather miss 100 criminals and also do not go out a victim ".Finish rule by a kind of like this examination, can predict a uncertain consumer, rather than predict potential a plurality of consumers that may not pay for this information content for this information content paying according to the internet information content charging system of present embodiment.Therefore, this predetermined value is preferably 90% to 100%, and more preferably 95% to 100%.
Being deposited with examination finishes examination in the rule database 470 and finishes rule and preferably upgraded with a predetermined period.In addition, when producing a preassigned pattern, then can upgrade this examination if necessary specially and finish rule.
These control unit 420 management are also controlled this I/O unit, this paying detailed recorded data storehouse 430, this analytical database 440, this first rule database 450, this second rule database 460 and this examination and are finished rule database 470, and all these all are the assemblies of risk management server 400.In other words, as mentioned above, control unit 420 is being controlled data conversion and the index that is deposited with the paying detail record in this paying detailed recorded data storehouse 430, control is according to the digging of the data of this analytical database 440, control of the conversion of first rule to second rule, control the examination of second rule, control depositing of each database, and the communicating by letter of management and control and payment server 200.
To internet information content charging method according to another embodiment of the present invention be described with reference to figure 6 to Fig. 9 subsequently.
Fig. 6 illustrates internet information content charging method according to another embodiment of the present invention.As shown in Figure 6, at first receive user's ordering information (S100).This ordering information of user at this is imported by the character input unit 120 of user terminal 100.
An example as this user's ordering information has " 77777xxxx ".This ordering information generally comprises Information Content Provider information and has shown in the various information contents that Information Content Provider provides information as keyword.MT message with this ordering information sends to payment server 200 through communication network 500, thereby provides order.
Subsequently, by communication common carrier this ordering information is sent to payment server 200 (S200).In this case, can represent a kind of wired by the part of communication common carrier appointment.In addition, there is the situation ignore the concrete server that this communication common carrier provides, or the situation of the communication network 500 by this communication common carrier only.In the internet information content charging method according to present embodiment, what those skilled in the art were obvious is that this step can be realized by the whole bag of tricks, therefore will omit the description to detailed example.
Subsequently, payment server 200 will be analyzed this ordering information, extract the Information Content Provider information be included in this ordering information, ordering information will be sent to information content supplier server 300 and the request examination (S300) to this ordering information.In this case, the information content database of information content supplier server 300 retrieve stored in the memory cell 330 of this information content supplier server 300, and whether the ordering information of checking this reception is corresponding with its oneself information content information.
Subsequently, these ordering informations of information content supplier server 300 examination whether with the information content that provides by this information content supplier server 300 in one of any corresponding, and will check the result and send to payment server 200 (S400).
Subsequently, when checking successfully (S500), this payment server 200 is accepted payment request message to one and is sent to user terminal 100 through communication common carrier (communication network).In this case, send record keeping MT message.When this examination failure, the message of not accepting this order is sent to user terminal 100 through this communication common carrier (communication network).In addition, except the message of " this order is not accepted ", can send other message, promptly and " know that accurate ordering information please visit
Www.chpat.com", " know that accurate ordering information please call the voice answer-back of 02-521-0101 " or " know that accurate ordering information please refer to the xxx catalogue ".
Subsequently, when this accepts payment request message when user terminal 100 receptions, user terminal 100 will be accepted paying message through communication common carriers (communication network) and send to payment server 200 (S600).In this case, preferably only send " 1 ", but the present invention is not limited to this example.In other words, for example can use the various symbols of " * " and " # ".This accepts paying message can be by the determined concrete character string of user, communication common carrier, paying gating (PG) company or payment server.Accept this paying by above-mentioned processing procedure.
Subsequently, payment server 200 these information content supplier server 300 of request send to user terminal 100 (S700) using this to accept the required information of pay content.Subsequently, this information content supplier server 300 sends to user terminal 100 (S800) using this to accept the required information of pay content.In this case, use this paying to accept the required information of pay content and generally include a sequence number, an ID or a password.And, can send the exclusive information of only in this information content supplier server, using.
Though do not illustrate in Fig. 6, this payment server 200 can will should be stored in the paying detailed recorded data storehouse 430 of risk management server 400 by the paying detail record.In this case, this paying detail record is at first stored and is deposited with in the memory cell 230 of payment server 200, stores then and is deposited with in the paying detailed recorded data storehouse 430 of risk management database 400.
Fig. 7 illustrates internet information content charging method according to another embodiment of the present invention.At this parts different with method shown in Figure 6 in internet information content charging method of Fig. 7 will only be described.In internet information content charging method shown in Figure 7, an input domain that uses a website by information content supplier server 300 to provide provides an order (S150), and this is different from the step S100 that is used for receiving from the user this ordering information.
Subsequently, the step S250 that is used for this ordering information is sent to payment server 200 is similar to step S200 shown in Figure 6, therefore will omit its details description.
Step S300 shown in Figure 6 and S400 are dispensable to internet information content charging method shown in Figure 7.This be because, during the input ordering information, this user's ordering information need not examination on by the pages of Internet that provides in information content supplier server 300.Therefore, during this ordering information of input, the control unit 220 of payment server will send to user terminal 100 (S550) by the accounts MT message (accepting payment request message) of 500 network information contents corresponding with this ordering information of communication network on by the webpage of the internet that provides in information content supplier server 300.Step S560 to S850 is similar to the step S600 to S800 shown in Fig. 6, therefore omits its detailed description.
Fig. 8 shows paying detail record, first rule and second rule that is used for managing risk in internet information content charging method according to another embodiment of the present invention.
By the paying detail record in the paying detailed recorded data storehouse 430 of storing and be deposited with risk management server 400 is carried out data conversion and index, obtain analysis data shown in Figure 8, and will analyze storage subsequently and be deposited with in the analytical database 440.
Shown in 8, the telephone number of user terminal is " 01139201923 ", user's grade is " a not opening state ", user's sex is " male sex ", user's age is " 25 years old ", user's zone is " Beijing ", one month usage count of user is " 15 times ", the quantity of the IP that the user used in one month is " two ", the quantity of the Information Content Provider that the user used in one month is " two ", the user is " 300 hours " one month service time, be " 3 hours " 50% pattern service time of user one month, be " 0.01 " (user one month 50% pattern service time)/(one month service time of user), the summation of one month information content usage charges of user is " 20000 yuan ", the user is " 2000 yuan " until the monthly average usage charges of last month, it is " 18000 yuan " that 50% pattern is used the summation of the usage charges of period, it is " 6000 yuan/hour " that 50% pattern is used the mean value of the usage charges of period.
Wherein, it is 3 hours that one month 50% pattern of this user is used the period, means that this user has the occupation mode of using 3 hours 50% pattern in every month.
The paying detail record is transformed into analyzes data and index (shown in Figure 8) as follows.The telephone number of user terminal is " 01139201923 ", user's grade is " 2 ", user's sex is " male sex ", user's age is " 25 years old ", user's zone is " Beijing ", one month usage count of user is " A ", the IP quantity that the user used in one month is " B ", the quantity of the Information Content Provider that the user used in one month is " A ", the user is " C " one month service time, be " A " 50% pattern service time of user one month, be " C " (user one month 50% pattern service time)/(one month service time of user), the summation of one month information content usage charges of user is " D ", the user is " D " until the monthly average usage charges of last month, it is " C " that 50% pattern is used the summation of the usage charges of period, it is " D " that 50% pattern is used the mean value of the usage charges of period.This paying detail record is carried out digitlization pack that to produce the reason of analyzing data be because these data can be by more easily digging to each predetermined section into.
Use the data mining method in storing the analytical database 440 of analyzing data, promptly neural net or clustered approach are extracted actual examination and are finished rule, i.e. first rule.Shown in 8, an example of first rule is as follows: " if (sex=" male sex ") and (50% pattern service time=" A ") and (one month usage count of user=" A ") and (until user's monthly average usage charges of last month＞" D ") and (the IP number that the user used in month=" B ") then 2 ".
Extract this first rule and convert second rule that is suitable for checking to by this data mining method.Shown in 8, an example of second rule is as follows: " if (sex=" male sex ") and (nearest 3 hours usage count is above 15 times; the user's monthly average usage charges until last January are 2000 yuan at least, and the IP number that user one month uses is less than or equal to 2) then 2 "
Use this second rule to carry out examination so that obtain the true value probability.When a true value probability during more than or equal to a predetermined value, the control unit 420 of risk management server 400 will make the true value probability be deposited with this examination and finish in the rule database 470.
As mentioned above, when this predetermined value is determined,, must be only verifies and finish rule when this true value probability just is considered as second rule very close to 100% the time according to the criterion of " rather miss 100 criminals and also do not go out a victim ".Therefore, this predetermined value is preferably 90% to 100%, and more preferably 95% to 100%.
The consideration handle has more than or equal to second rule of the true value probability of this predetermined value finishes rule as examination, and examination is stored and be deposited with to this examination rule (rule is finished in examination) finish in the rule database 470.
This examination is finished rule and can be classified into based on the prediction of user terminal user's inferior situation with based on the situation of the prediction IP inferior of User IP.Subsequently, this examination is finished rule and be can be used for predicting Information Content Provider inferior.And, can generate the risk management rules of the optimum that is applicable to this Information Content Provider according to concrete Information Content Provider.
The control unit 420 of risk management server 400 makes this I/O unit 410 that rule is finished in examination usually and sends to payment server 200 and/or this information content supplier server 300, makes this payment server 200 and information content supplier server 300 can use this examination to finish rule.In this case, this examination finish rale store and be deposited with payment server 200 and the memory cell 230 and 330 of information content supplier server 300 in.
Preferably, being deposited with examination finishes examination in the rule database 470 and finishes rule and upgrade with a predetermined period.In addition, when producing a preassigned pattern, then can upgrade this examination if necessary specially and finish rule.
Being described in examination subsequently finishes rale store and is deposited with payment server 200 and the memory cell 230 of information content supplier server 300 and 330 steps that will carry out afterwards.
At first, when provide do not meet the examination finish the rule an order time, carry out above-mentioned normal payment process.
Subsequently, when provide meet this examination finish the rule an order time, this payment server 200 sends to the user's telephone number relevant with this user's order to an alert message.In addition, meet this examination and finish of rule when ordering when providing, this payment server 200 can be blocked IP or the user's telephone number relevant with this user's order.
In addition, when provide meet this examination finish the rule order the time, payment server 200 is the information about the user that provides this order, promptly reports to information content supplier server 300 about the inventory of user profile with about the information (definition of rule, about the concise and to the point description of rule etc.) that rule is finished in examination.When information content supplier server 300 these payment server 200 of request sent to this telephone number to warning message, payment server 200 sent to telephone number to this alert message.In addition, when information content supplier server 300 request payment server, 200 these IP of blocking-up or telephone number, the paying of this payment server 200 these IP of blocking-up or telephone number.
And when providing when meeting examination and finishing the order of rule, information content supplier server 300 can also send to this alert message this user's IP, telephone number, ID, or the blocking-up user's relevant with this user's order IP, telephone number and ID.
Simultaneously, when alert message was sent to telephone number, this payment server 200 can send detailed report to warning message to information content supplier server 300.And when having blocked this IP or telephone number, this payment server 200 can report to information content supplier server 300 to the blocking-up detail record.
At this, the report that information content supplier server 300 is carried out be by this message immediately or the mail or the mobile phone that sent to an office worker who is responsible for this Information Content Provider in second day realize.
And, even occur sometimes immediately or at second day alert message or blocking-up details are sent to the stolen user's of ID or telephone number the mail or the situation of mobile phone.In this case, when alert message or blocking-up details when being sent immediately, because the thief of this ID of stealing or this telephone number can see this alert message or blocking-up details, so can report this alert message or blocking-up details second day a scheduled time.
Fig. 9 is illustrated in according to another embodiment of the present invention and is used to carry out the warning of risk management and the example that rule is finished in the blocking-up examination in the internet information content charging method.Usually, from Information Content Provider receive form shown in Figure 9 and be stored in risk management server 400 or payment server 200.
Carry out computer-readable recording medium, and the internet information content charging system of the program of this method according to internet information content charging method of the present invention, storage, might significantly reduce the arrearage that causes by poor quality/malicious user or connection IP, and reduce the arrearage that produces by Information Content Provider inferior information content paying.
Might improve the profit margin and the financial situation of the company that has payment server in addition, and reduce the expense of common Information Content Provider.
Though show and described the present invention, those skilled in the art will appreciate that not departing from the core of the present invention and the scope that are limited by the accompanying claims can carry out the various changes of various forms and details with reference to the embodiment of example.
Claims (56)
1. internet information content charging method comprises step:
Receive user's ordering information;
Through communication network this ordering information is sent to a payment server;
According to this ordering information, make this payment server accept payment request message to one and send to a user terminal through communication network;
Receive this when accepting payment request message at this user terminal, make this user terminal accept paying message to one and send to this payment server through this communication network;
Make this payment server requested content vendor server accept the required information of pay content to use and send to this user terminal;
Make this information content supplier server send to this user terminal using this to accept the required information of content;
This risk management server make this payment server send to a risk management server to a paying detail record, so that can be stored in this detail record of paying in the paying detailed recorded data storehouse of this risk management server;
Make this risk management server data conversion and index stores this paying detail record in paying detailed recorded data storehouse, so that obtain an analytical database;
According to this analytical database data are carried out digging, extract one first rule, and this first rule is deposited with in one first rule database;
Check first rule that this is deposited, so that obtain a true value probability; And
When this true value probability during, first rule of this examination is finished the examination that rule is deposited with this risk management server as examination finish in the rule database more than or equal to a predetermined value.
2. according to the internet information content charging method of claim 1, wherein, in the step of the ordering information that receives the user, this ordering information receives from user terminal.
3. according to the internet information content charging method of claim 2, according to ordering information, make this payment server accept this through communication network to comprise step in the step that payment request message sends to user terminal:
Make ordering information that this payment server analysis receives from user terminal, this ordering information is sent to relevant information content supplier server and asks this information content supplier server that this ordering information is checked;
Whether with any information content content of by this information content supplier server being provided one of corresponding, and will check the result and send to this payment server if making this information content supplier server check this ordering information; And
If this examination is successful, then make this payment server will accept payment request message and send to user terminal through communication network according to this examination result, if and this examination is failed, then the message that makes this payment server will not accept to order according to this examination result sends to user terminal through communication network.
4. according to the internet information content charging method of claim 1, wherein in the step of the ordering information that receives the user, import this ordering information by a webpage on the Internet that provides by information content supplier server.
5. according to the internet information content charging method of claim 4, wherein ordering information is being sent in the step of payment server through communication network, information content supplier server sends to this payment server to the ordering information by user input, and asks this payment server that this is accepted payment request message to send to user terminal.
6. according to the internet information content charging method of claim 3 or 5, wherein this to accept paying message be a specific character string.
7. according to the internet information content charging method of claim 6, wherein this ordering information comprises the information of Information Content Provider information and information content content.
8. according to the internet information content charging method of claim 6, wherein use this to accept the required information of pay content and comprise a sequence number.
9. according to the internet information content charging method of claim 6, wherein use this to accept the required information of pay content and comprise an ID and a password.
10. according to the internet information content charging method of claim 6, further comprise step: make that receiving this user who accepts the required information of pay content of use by user terminal this required information of this content of use is provided on the pages of Internet that is provided by information content supplier server, and use this content.
11. according to the internet information content charging method of claim 6, wherein should the paying detail record be included in down select in lising any one or a plurality of: the telephone number of user terminal, user's the resident number of depositing, user's zone, user's grade, user's sex, user's age, user's usage count in scheduled time slot, the quantity of the IP that the user uses in scheduled time slot, the quantity of the Information Content Provider that the user uses in scheduled time slot, user's service time in scheduled time slot, the service time of the predetermined percentage pattern of the user in scheduled time slot, a value removing the service time of user in scheduled time slot service time that is used in the predetermined percentage pattern of user in the scheduled time slot and obtain, the user is to the summation of the usage charges of the information content in scheduled time slot, the mean value of user's usage charges, the summation of the usage charges in the use period of predetermined percentage pattern, and the mean value of the usage charges of the use period of this predetermined percentage pattern.
12., wherein check this first rule of depositing and comprise step so that obtain the step of true value probability according to the internet information content charging method of claim 11:
This first rule is converted to second rule, so that check this rule and this second rule is deposited with in one second rule database; And
Check this second rule, so that obtain this true value probability.
13., also comprise step: make this risk management server finish rule to this examination and send to this payment server, make this payment server can use this examination of depositing to finish rule according to the internet information content charging method of claim 12.
14. internet information content charging method according to claim 12, further comprise step: make this risk management server finish rule to this examination and send to this information content supplier server, make this information content supplier server can use this examination of depositing to finish rule.
15. according to the internet information content charging method of claim 12, wherein by this paying detail record being carried out pack into each predetermined section and index is applied to each predetermined section and this paying detail record is carried out data conversion and index of digitlization.
16. internet information content charging method according to claim 15, wherein, this first rule is being converted to second rule so that check in this regular step, be added to each predetermined section so as data conversion and index should the paying detail record index, be converted into the form that comprises the required paying detail record of this rule of examination.
17. according to the internet information content charging method of claim 13, wherein, when provide corresponding to this examination finish the rule an order time, this payment server sends to the telephone number relevant with this user's order to an alert message.
18. according to the internet information content charging method of claim 13, wherein, when providing when finishing order of rule IP or telephone number that the blocking-up of this payment server is relevant with this user's order corresponding to this examination.
19. internet information content charging method according to claim 14, wherein, when provide corresponding to this examination finish the rule an order time, this information content supplier server sends to telephone number or the ID relevant with this user's order to an alert message.
20. according to the internet information content charging method of claim 14, wherein, when providing when finishing order of rule corresponding to this examination, this information content supplier server will blocking-up IP, telephone number or the ID relevant with this user's order.
21., further comprise step: when alert message sends to this telephone number, make this payment server that alert message is sent detail record and report to information content supplier server according to the internet information content charging method of claim 17.
22., further comprise step: when blocking-up IP or telephone number, make this payment server will block detail record and report to information content supplier server according to the internet information content charging method of claim 18.
23. according to the internet information content charging method of claim 21, wherein by immediately or at second day the alert message deposited is in advance sent detail record and send to the office worker's who is responsible for this Information Content Provider mail or mobile phone and come that this alert message is sent detail record and report to this information content supplier server.
24. according to the internet information content charging method of claim 22, wherein by immediately or the mail or the mobile phone that the blocking-up detail record of depositing are in advance sent to the office worker who is responsible for this Information Content Provider at second day this blocking-up detail record is reported to this information content supplier server.
25., wherein upgrade the examination that the examination that is deposited with the risk management server finishes in the rule database and finish rule with a predetermined period according to the internet information content charging method of claim 12.
26. internet information content charging method according to claim 13, further comprise step:, make this payment server giving this information content supplier server about the user profile that provides an order with about the report information that rule is finished in this examination when providing when finishing the order of rule corresponding to this examination.
27. internet information content charging method according to claim 26, further comprise step: finish regular information about this user's information with about this examination according to what receive from payment server, ask this payment server that warning message is sent to the user's telephone number relevant with this user's order, or make this information content supplier server directly send to this user's telephone number or ID to this alert message.
28. internet information content charging method according to claim 26, further comprise step: finish regular information about user's information with about this examination according to what receive from payment server, ask this payment server blocking-up user's relevant IP or telephone number, or make this information content supplier server directly block this user's IP, telephone number or ID with this user's order.
29. a computer-readable recording medium stores and is used for the program that enforcement of rights requires 1 to 5 one of any method.
30. an internet information content charging system comprises:
A kind of communication network makes user terminal, payment server, information content supplier server and risk management server interconnect and send mutually information with the wire/wireless path;
User terminal comprises: transmission/receiving element; The character input unit is used to import short message first, sends to payment server so that will accept paying message, makes the user use the content of an information content supplier server; Display unit is used to show comprise and use the short message accept the required information of pay content and the short message by this character input unit input; And control unit, be used to control this transmission/receiving element, this character input unit and this display unit;
Payment server comprises: I/O unit is used for through this communication network transmission/reception information; Control unit, be used to make this I/O unit will accept payment request message and send to user terminal according to the user's ordering information that receives from this I/O unit, and the paying detail record is sent to described risk management server, so that this paying detail record is stored in the paying detailed recorded data storehouse of this risk management server; And memory cell, be used for storage and deposit data;
Information content supplier server comprises: I/O unit is used for through described communication network transmission/reception information; Control unit is used for sending when using this to accept the required information of pay content at this payment server request user terminal, makes this I/O unit accept the required information of pay content to use and sends to user terminal; And memory cell, be used for storage and deposit data; With
The risk management server comprises: I/O unit is used for through described communication network transmission/reception information; Paying detailed recorded data storehouse is used for storage and deposits the paying detail record; Analytical database, it is by paying detail record in this paying detailed recorded data storehouse carries out data conversion and index obtains to being deposited with; First rule database is used for depositing first rule that the data that obtain according to the information that is deposited with this analytical database by digging are extracted; Second rule database is used to deposit one second rule of conversion in order to check this first rule; Rule database is finished in examination, is used to deposit the rule of checking; And control unit, be used for controlling this I/O unit, be deposited with the data conversion of this paying detail record in this paying detailed recorded data storehouse and index, the data mining on this analytical database basis, this first rule be to conversion, the examination of this second rule and the depositing of database of second rule.
31., wherein receive user's ordering information from user terminal according to the internet information content charging system of claim 30.
32. internet information content charging system according to claim 31, wherein the control unit of payment server receives user's ordering information by I/O unit, analyze this ordering information, this ordering information is sent to information content supplier server, request is to the examination of this ordering information, and is to make this I/O unit through communication network this be accepted payment request message under the case of successful to send to this user terminal according to the I/O unit of the examination result who receives from this information content supplier server by this payment server in this examination, and under the situation of this examination failure, the not received message of order is sent to this user terminal through communication network, and
Wherein the control unit of information content supplier server examination by this ordering information of payment server request examination one of any corresponding to the content information that provides by information content supplier server whether, and make the I/O unit of this information content supplier server send to this payment server to the examination result.
33. according to the internet information content charging system of claim 30, wherein user's ordering information is to import by a webpage on the Internet that is provided by information content supplier server.
34. internet information content charging system according to claim 33, wherein the control unit of information content supplier server makes the I/O unit of information content supplier server send to payment server to the ordering information of user's input, and asks this payment server to send to user terminal accepting payment request message.
35. according to the internet information content charging system of claim 32 or 34, wherein this to accept paying message be a specific character string.
36. according to the internet information content charging system of claim 35, wherein this ordering information comprises the information of Information Content Provider information and information content content.
37., wherein use this to accept the required information of pay content and comprise a sequence number according to the internet information content charging system of claim 35.
38., wherein use this to accept the required information of pay content and comprise an ID and a password according to the internet information content charging system of claim 35.
39. internet information content charging system according to claim 35, wherein receive and use this user who accepts the required information of pay content that this required information of this content of use is imported on the pages of Internet that is provided by information content supplier server, and use this content by user terminal.
40., wherein should comprise list down part or all of by the paying detail record: the telephone number of user terminal according to the internet information content charging system of claim 35, user's the resident number of depositing, user's zone, user's grade, user's sex, user's age, user's usage count in scheduled time slot, the quantity of the IP that the user uses in scheduled time slot, the quantity of the Information Content Provider that the user uses in scheduled time slot, user's service time in scheduled time slot, the service time of the predetermined percentage pattern of the user in scheduled time slot, a value removing the service time of user in scheduled time slot service time that is used in the predetermined percentage pattern of the user in the scheduled time slot and obtain, the user is to the summation of the usage charges of the information content in scheduled time slot, the mean value of user's usage charges, the summation of the cost of use in the use period of predetermined percentage pattern, and the mean value of the usage charges of the use period of this predetermined percentage pattern.
41. according to the internet information content charging system of claim 40, wherein this risk management server is finished rule to this examination and is sent to this payment server, makes this payment server can use this examination of depositing to finish rule.
42. internet information content charging system according to claim 40, wherein this risk management server is finished rule to this examination and is sent to this information content supplier server, makes this information content supplier server can use this examination of depositing to finish rule.
43. according to the internet information content charging system of claim 40, wherein by this paying detail record being carried out pack into each predetermined section and index is applied to each predetermined section and should the paying detail record carries out data conversion and index is paid of digitlization.
44. internet information content charging system according to claim 43, wherein by the index translation that is added to each predetermined section being become to comprise a kind of form of the paying detail record that this rule of examination is required, convert this first rule to be used to check this rule second rule, so that data transaction and index should the paying detail records.
45. according to the internet information content charging system of claim 41, wherein when provide corresponding to described examination finish the rule an order time, this payment server sends to the subscriber directory number relevant with this user's order to an alert message.
46. according to the internet information content charging system of claim 41, wherein when providing when finishing order of rule User IP or telephone number that the blocking-up of this payment server is relevant with this user's order corresponding to described examination.
47. internet information content charging system according to claim 42, wherein when provide corresponding to described examination finish the rule an order time, this information content supplier server sends to subscriber directory number or the ID relevant with this user's order to an alert message.
48. according to the internet information content charging system of claim 42, wherein when providing when finishing order of rule corresponding to described examination, IP, telephone number or ID that this information content supplier server will the blocking-up user relevant with this user's order.
49. according to the internet information content charging system of claim 45, wherein when alert message sent to described telephone number, this payment server sent detail record with alert message and reports to information content supplier server.
50. according to the internet information content charging system of claim 46, wherein when described IP of blocking-up or telephone number, this payment server reports to information content supplier server with a blocking-up detail record.
51. according to the internet information content charging system of claim 49, wherein by immediately or at second day the alert message deposited is in advance sent detail record and send to the office worker's who is responsible for this Information Content Provider mail or mobile phone and come that this alert message is sent detail record and report to this information content supplier server.
52. according to the internet information content charging system of claim 50, wherein by immediately or the mail or the mobile phone that the blocking-up detail record of depositing are in advance sent to the office worker who is responsible for this Information Content Provider at second day this blocking-up detail record is reported to this information content supplier server.
53., wherein upgrade the examination that the described examination that is deposited with the risk management server finishes in the rule database and finish rule with a predetermined period according to the internet information content charging system of claim 40.
54. internet information content charging system according to claim 41, when providing when finishing the order of rule corresponding to described examination, this payment server is giving this information content supplier server about the information that provides the relevant user of order with about the report information that rule is finished in this examination.
55. internet information content charging system according to claim 54, finish the information of rule according to user's information with from the examination that payment server receives, ask this payment server that warning message is sent to the user's telephone number relevant with this user's order or this information content supplier server directly sends to this user's telephone number or ID to this alert message.
56. internet information content charging system according to claim 54, finish regular information according to user's information with from the examination that payment server receives, ask this payment server blocking-up user's relevant IP or telephone number, or this information content supplier server is directly blocked this user's IP, telephone number or ID with this user's order.
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR10-2006-0003483 | 2006-01-12 | ||
| KR1020060003483A KR100735141B1 (en) | 2006-01-12 | 2006-01-12 | Method of paying for internet contents, computer-readable storage medium storing program for performing the method, and system of paying for internet contents |
| KR1020060003483 | 2006-01-12 |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN101001155A true CN101001155A (en) | 2007-07-18 |
| CN101001155B CN101001155B (en) | 2010-07-21 |
Family
ID=38503115
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2006100029185A Active CN101001155B (en) | 2006-01-12 | 2006-01-27 | Internet information content charging method and system |
Country Status (2)
| Country | Link |
|---|---|
| KR (1) | KR100735141B1 (en) |
| CN (1) | CN101001155B (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110314270A (en) * | 2019-04-30 | 2019-10-11 | 金脑元(武汉)医学生物科技有限公司 | Insomnia treatment system and insomnia therapeutic instrument based on cloud server |
Family Cites Families (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100331219B1 (en) * | 2000-02-10 | 2002-04-06 | 이상원 | Internet billing method and system |
| KR20020006189A (en) * | 2000-07-11 | 2002-01-19 | 박경식 | Method and system for notifying transaction and billing process using a card |
| KR20030093613A (en) * | 2002-06-03 | 2003-12-11 | 주식회사 아이브릿지홀딩스 | System for Searching On-line illegal discount by Credit Card |
| KR20040092128A (en) * | 2003-04-25 | 2004-11-03 | 올포시스템주식회사 | Electoronical Banking Direct Payment Gateway System |
| US7711097B2 (en) * | 2003-07-09 | 2010-05-04 | Fujitsu Limited | Pay-per-connection scheme for wireless access to internet |
| KR101068291B1 (en) * | 2004-10-27 | 2011-09-28 | 에스케이 텔레콤주식회사 | Method And Apparatus For Checking Frauds Of Usage In Mobile Terminal |
-
2006
- 2006-01-12 KR KR1020060003483A patent/KR100735141B1/en not_active IP Right Cessation
- 2006-01-27 CN CN2006100029185A patent/CN101001155B/en active Active
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110314270A (en) * | 2019-04-30 | 2019-10-11 | 金脑元(武汉)医学生物科技有限公司 | Insomnia treatment system and insomnia therapeutic instrument based on cloud server |
Also Published As
| Publication number | Publication date |
|---|---|
| KR100735141B1 (en) | 2007-07-03 |
| CN101001155B (en) | 2010-07-21 |
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