CN101593387B - Method, system and equipment for remote payment with local account - Google Patents
Method, system and equipment for remote payment with local account Download PDFInfo
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- CN101593387B CN101593387B CN2008101130825A CN200810113082A CN101593387B CN 101593387 B CN101593387 B CN 101593387B CN 2008101130825 A CN2008101130825 A CN 2008101130825A CN 200810113082 A CN200810113082 A CN 200810113082A CN 101593387 B CN101593387 B CN 101593387B
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Abstract
The invention discloses a method, a system and an equipment for remote payment with a local account, solving the problem that on-site payment and remote payment separate from each other so as to unify on-site payment and remote payment. The method of the invention comprises the following steps: according to merchandise information provided by an electronic commercial customer subsystem, a user equipment determines the required payment amount of merchandise to be bought, and then sends prepayment request to an SIM card; according to the returned response of prepayment completion after SIM deducts required payment amount from the local account, the user equipment sends payment request to the electronic commercial customer subsystem, and the payment request comprises merchandise to be bought and local account identification; according to the payment request, the electronic commercial customer subsystem sends payment request carrying the local account identification and corresponding to the merchandise to be bought to an account management subsystem; according to the payment request, the account management subsystem deducts payment from a secondary account corresponding to the local account identification and sends the response of payment completion back to the electronic commercial customer subsystem after payment is finished.
Description
Technical field
The present invention relates to field of mobile electronic commerce, relate in particular to a kind of technology of using local account to carry out remote payment.
Background technology
Press the time and the space of payment at present based on the mobile payment service of UE (User Equipment, subscriber equipment), can be divided into non real-time remote payment and real-time on-site payment.Non real-time remote payment is the present modes of payments commonly used, from payment speed, has tangible time delay, when speed is slow, once pays even need to spend the time of a few minutes.Mobile payment services such as the mobile phone shopping online of carrying out at present, Mobile banking all adopt non real-time remote payment.Through the MSISDN of UE (Mobile StationInternational ISDN Number; The international comprehensive service digital net number of transfer table; Be commonly referred to phone number) bind with remote account such as bank card; Through note, voice, WAP (Wireless ApplicationProtocol, WAP), cell-phone customer terminal modes such as (K-Java), for the user mobile payment service is provided whenever and wherever possible.This service can be the user remote payment services such as mobile phone is paid the fees, mobile phone financing, mobile e-business paying is provided, and specifically comprises: look into and pay that mobile phone charge, individual account inquiry, mobile phone shopping online, mobile phone are ordered a newspaper, E-mail address paying, mobile phone donation, long-distance education, mobile phone are insured, government utility is paid the fees etc.
Real-time on-site payment is applicable to that closely non-contact mobile payment is professional; Can carry out that public transport is swiped the card through being stored in local account in UE SIM (Subscriber Identity Module, the subscriber identification module) card, convenience store's consumption, market supermarket shopping etc.Real-time on-site payment can be divided into off line payment and online payment again, and the off line payment can realize rapid payment, generally is applied to the consumption of small-amount, like public transport, subway, convenience store, fast food restaurant etc.The mode basically identical of the existing bank card business dealing of online Zhi Fuyu is at first swiped the card UE near the POS machine, input password, system verification then; Checking is through the back authority to pay; The amount of money in the deduction UE local account, last POS machine print vouchers, the user signs on voucher.
Present mobile payment service isolates on-site payment and remote payment and comes; On-site payment adopts and is stored in the local account in the UE SIM; Remote payment adopts remote account such as bank card, and the user need supplement with money respectively and manage local account and remote account; In addition, the time delay property of remote payment has had a strong impact on user's impression.
Summary of the invention
The present invention provides a kind of method of using local account to carry out remote payment, system and equipment, has realized that the fusion of on-site payment and remote payment is unified.
The present invention provides a kind of method of using local account to carry out remote payment, comprising:
Subscriber equipment is confirmed the required payment of goods to purchase according to the merchandise news that the electronic commercial subsystem provides, and sends the money request of withholding of carrying required payment to the subscriber identification module SIM; And
In local account, deduct the money success response of returning after the required payment of withholding according to said SIM, subscriber equipment sends Payment Request to said electronic commercial subsystem, comprises said goods to purchase and local account sign in the said Payment Request;
Said electronic commercial subsystem sends said local account sign and the withhold request corresponding with said goods to purchase of carrying according to said Payment Request to the account management subsystem;
Said account management subsystem is withholdd in the system side account corresponding with said local account sign according to the said request of withholing, and after the success of withholing, returns the success response of withholing to the electronic commercial subsystem.
The present invention provides a kind of system that uses local account to carry out remote payment, comprises the subscriber equipment, account management subsystem and the electronic commercial subsystem that insert SIM, wherein:
Said subscriber equipment is used for the merchandise news that provides according to the electronic commercial subsystem, confirms the required payment of goods to purchase, and sends the money request of withholding of carrying required payment to the subscriber identification module SIM; And in local account, deduct the money success response of returning after the required payment of withholding according to said SIM, and send Payment Request to said electronic commercial subsystem, comprise in the said Payment Request that said goods to purchase and local account identify;
Said electronic commercial subsystem is used for according to said Payment Request, sends said local account sign and the withhold request corresponding with said goods to purchase of carrying to the account management subsystem;
Said account management subsystem is used for withholing with the corresponding system side account of said local account sign according to the said request of withholing, and after the success of withholing, returns the success response of withholing to the electronic commercial subsystem.
The present invention provides a kind of subscriber equipment, comprising:
Confirm the unit: be used for the merchandise news that provides according to the electronic commercial subsystem, confirm the required payment of goods to purchase;
Transmitting element: be used to send the money request of withholding of carrying required payment;
SIM: be used to receive the said money request of withholding, the required payment of deduction in local account, and return the money success response of withholding;
Control module: be used for the money success response of withholding returned according to said SIM, send Payment Request, comprise in the said Payment Request that said goods to purchase and local account identify to said electronic commercial subsystem.
The invention provides the another kind of method of using local account to carry out remote payment, comprising:
Subscriber equipment sends Payment Request to the electronic commercial subsystem, comprises determined goods to purchase of the merchandise news that provides according to the electronic commercial subsystem and local account sign in the said Payment Request;
Said electronic commercial subsystem sends said local account sign and the withhold request corresponding with said goods to purchase of carrying according to said Payment Request to the account management subsystem;
Said account management subsystem is transmitted to the said request of withholing the SIM of subscriber equipment; And
The success response of returning after withholing in local account according to said SIM of withholing is withholdd in the corresponding system side account of said local account sign, and after the success of withholing, is returned the success response of withholing to the electronic commercial subsystem.
The present invention provides a kind of system that uses local account to carry out remote payment, comprises the subscriber equipment, account management subsystem and the electronic commercial subsystem that insert SIM, wherein:
Said subscriber equipment is used for sending Payment Request to said electronic commercial subsystem, comprises determined goods to purchase of the merchandise news that provides according to the electronic commercial subsystem and local account sign in the said Payment Request;
Said electronic commercial subsystem is used for according to said Payment Request, sends said local account sign and the withhold request corresponding with said goods to purchase of carrying to said account management subsystem;
Said account management subsystem is used for the said request of withholing is transmitted to the SIM of subscriber equipment; And the success response of returning after withholing in local account according to said SIM of withholing, in the corresponding system side account of said local account sign, withhold, and after the success of withholing, return the success response of withholing to the electronic commercial subsystem.
Use local account provided by the invention carries out the method for remote payment; The merchandise news that subscriber equipment provides according to the electronic commercial subsystem; Confirm the required payment of goods to purchase, and in the local account of SIM storage, withhold and remove this required payment; Subscriber equipment sends Payment Request to the electronic commercial subsystem, makes the electronic commercial subsystem according to this Payment Request, sends the request of withholing to the account management subsystem, in the system side account corresponding with the local account sign of account management subsystem stores, withholds.Through using local account to carry out remote payment, realized that the fusion of on-site payment and remote payment is unified, reduced the time delay property of remote payment, promoted user's impression.
The another kind of method of using local account to carry out remote payment provided by the invention; Subscriber equipment sends Payment Request to the electronic commercial subsystem; Make the electronic commercial subsystem according to this Payment Request; Send the request of withholing to the account management subsystem, through the account management subsystem this is withholdd and ask to be transmitted to the SIM of subscriber equipment, withhold successively the local account and the identifying in the corresponding system side account of account management subsystem stores of SIM storage with local account.Through using local account to carry out remote payment, realized that the fusion of on-site payment and remote payment is unified, reduced the time delay property of remote payment, promoted user's impression.
Description of drawings
Fig. 1 carries out the system architecture synoptic diagram of remote payment for using local account among the present invention;
Fig. 2 carries out the method flow diagram of remote payment for using local account among the embodiment one;
Fig. 3 is the structured flowchart of UE among the embodiment one;
Fig. 4 carries out the method flow diagram of remote payment for using local account among the embodiment two.
Embodiment
The problem of isolating mutually to on-site payment in the prior art and remote payment; The embodiment of the invention provides a kind of method of using local account to carry out remote payment; The fusion that has realized on-site payment and remote payment is unified, makes the user use a local account can carry out various mobile payment services easily and efficiently.The user can be through realizing on-site payment with UE near the POS machine; Also can realize remote payment through voice, note, WAP, cell-phone customer terminal modes such as (K-Java); No matter be that local account is all used at remote payment or scene, bring consumption experience preferably to the user.
At first introduce and use local account to carry out the system architecture of remote payment, as shown in Figure 1, comprising: insert UE, account management subsystem and the electronic commercial subsystem of SIM, SIM inserts in the draw-in groove of UE, wherein:
UE is used for through mobile communications network, adopts note, voice, WAP, cell-phone customer terminal modes such as (K-Java) to land the electronic commercial subsystem, and resolves the related news that the electronic commercial subsystem sends;
The SIM of UE is used to manage and store the local account of UE, wherein the corresponding unique local account ID of local account;
The account management subsystem is arranged on mobile communication network side; Comprise accounts information management platform and charge accounting platform; The accounts information management platform is used to store and manage the local account of all UE; Adopt the mode of the corresponding system side account of local account ID, the corresponding system side account of each local account ID of storing in the accounts information management platform, synchronous with the local account of storing in the SIM of corresponding UE; The charge accounting platform of account management subsystem is used for and the clearing of regularly paying of the charge accounting platform of electronic commercial subsystem.
The electronic commercial subsystem comprises the e-commerce website and the charge accounting platform of each businessman.
Introduce the method that use local account provided by the invention carries out remote payment in detail with specific embodiment below.
Embodiment one
Embodiment one carries out the mobile phone shopping online with the user and is a kind of implementation method that example explanation use local account carries out remote payment, and is as shown in Figure 2, may further comprise the steps:
S201, UE send the request of shopping page browsing through GPRS network to the electronic commercial subsystem;
S202, electronic commercial subsystem return the shopping page that comprises merchandise news through GPRS network to UE, and merchandise news comprises information such as the title, numbering, performance, price of commodity;
S203, UE confirm the required payment of goods to purchase according to merchandise news;
S204, UE send the money request of withholding of carrying this required payment to SIM;
S205, SIM are deducted required payment according to the money request of withholding in local account;
S206, SIM return the money success response of withholding to UE;
S207, UE send Payment Request according to the money success response of withholding to the electronic commercial subsystem, comprise goods to purchase and local account ID in the Payment Request;
S208, electronic commercial subsystem are confirmed the amount of money of goods to purchase in the Payment Request;
S209, electronic commercial subsystem send to the account management subsystem and carry local account ID and the withhold request corresponding with goods to purchase, comprise the amount of money of determined goods to purchase in the request of promptly withholing;
S210, account management subsystem withhold in the corresponding system side account of the local account ID of storage, if withhold successfully, then carry out S211~S212, if owing to the failure that causes withholing of reasons such as system side account insufficient in amount, then carry out S213~S217;
S211, account management subsystem return the success response of withholing to the electronic commercial subsystem;
S212, electronic commercial subsystem return the payment success response according to the success response of withholing that receives to UE;
S213, account management subsystem return the failure response of withholing to the electronic commercial subsystem;
S214, electronic commercial subsystem return the payment failure response according to the failure response of withholing to UE;
S215, UE send the money cancellation request of withholding according to the payment failure response to SIM;
S216, SIM increase the required payment of having deducted according to the money cancellation request of withholding in local account;
S217, SIM return the money cancellation success response of withholding to UE.
The clearing of regularly paying between the charge accounting platform of electronic commercial subsystem and account management subsystem.
In order to save message interaction process, S212 can omit, and promptly the electronic commercial subsystem is withholdd receiving
In order to save message interaction process, S212 can omit, and promptly the electronic commercial subsystem does not return the payment success response to UE after receiving the success response of withholing, and only after receiving the failure response of withholing, returns the payment failure response to UE.
Embodiment one provides a kind of system that uses local account to carry out remote payment simultaneously, comprises the UE, account management subsystem and the electronic commercial subsystem that insert SIM, wherein:
UE is used for the merchandise news that provides according to the electronic commercial subsystem; Confirm the required payment of goods to purchase; And send the money request of withholding carry required payment to SIM; And in local account, deduct the money success response of returning after the required payment of withholding according to SIM, and send Payment Request to the electronic commercial subsystem, comprise in the Payment Request that goods to purchase and local account identify;
The electronic commercial subsystem is used for according to Payment Request, sends local account sign and the withhold request corresponding with goods to purchase of carrying to the account management subsystem;
The account management subsystem is used for withholing with the corresponding system side account of this local account sign according to the request of withholing, and after the success of withholing, returns the success response of withholing to the electronic commercial subsystem.
Wherein a kind of possibility structure of UE is as shown in Figure 3, comprising:
Confirm unit 301: be used for the merchandise news that provides according to the electronic commercial subsystem, confirm the required payment of goods to purchase;
Transmitting element 302: be used to send the money request of withholding of carrying required payment;
SIM 303: be used to receive the money request of withholding that transmitting element 302 sends, the required payment of deduction in local account, and return the money success response of withholding;
Control module 304: be used for the money success response of withholding returned according to SIM 303, send Payment Request, comprise in the Payment Request that goods to purchase and local account identify to the electronic commercial subsystem.
The use local account that embodiment one provides carries out method, system and the equipment of remote payment; The merchandise news that UE provides according to the electronic commercial subsystem; Confirm the required payment of goods to purchase, and in the local account of SIM storage, withhold and remove this required payment; Subscriber equipment sends Payment Request to the electronic commercial subsystem; Make the electronic commercial subsystem according to this Payment Request; Send the request of withholing to the account management subsystem; This institute of deduction pays the amount of money in the corresponding system side account of the local account sign of account management subsystem stores, has guaranteed the security of transaction.Through using local account to carry out remote payment, realized that the fusion of on-site payment and remote payment is unified, reduced the time delay property of remote payment, promoted user's impression.
Embodiment two
Based on same technical conceive, embodiment two carries out the mobile phone shopping online with the user and is the another kind of implementation method that example explanation use local account carries out remote payment, and is as shown in Figure 4, may further comprise the steps:
S401, UE send the request of shopping page browsing through GPRS network to the electronic commercial subsystem;
S402, electronic commercial subsystem return to UE through GPRS network and comprise the merchandise news shopping page;
S403, UE send Payment Request to the electronic commercial subsystem, comprise determined goods to purchase of the merchandise news that provides according to the electronic commercial subsystem and local account ID in the Payment Request;
S404, electronic commercial subsystem are confirmed the amount of money of goods to purchase in the Payment Request;
S405, electronic commercial subsystem send local account ID and the withhold request corresponding with goods to purchase of carrying to the account management subsystem;
The request of will withholing of S406, account management subsystem is transmitted to SIM via UE;
S407, SIM are withholdd in local account according to the request of withholing;
S408, SIM return the success response of withholing via UE to the account management subsystem;
S409, account management subsystem are withholdd in the corresponding system side account of the local account ID of storage according to the success response of withholing that receives; If withhold successfully; Then carry out S410~S411, if, then carry out S412~S416 owing to the failure that causes withholing of reasons such as account insufficient in amount;
S410, account management subsystem return the success response of withholing to the electronic commercial subsystem;
S411, electronic commercial subsystem return the payment success response according to the success response of withholing that receives to UE;
S412, account management subsystem return the failure response of withholing to the electronic commercial subsystem;
S413, electronic commercial subsystem return the payment failure response according to the failure response of withholing that receives to UE;
S414, UE send the cancellation request of withholing according to the payment failure response to SIM;
S415, SIM increase the amount of money of having deducted according to the cancellation request of withholing in local account;
S416, SIM return the cancellation success response of withholing to UE.
The clearing of regularly paying between the charge accounting platform of electronic commercial subsystem and account management subsystem.
In order to save message interaction process, S411 can omit, and promptly the electronic commercial subsystem does not return the payment success response to UE after receiving the success response of withholing, and only after receiving the failure response of withholing, returns the payment failure response to UE.
Embodiment two provides a kind of system that uses local account to carry out remote payment simultaneously, comprises the UE, account management subsystem and the electronic commercial subsystem that insert SIM, wherein:
UE is used for sending Payment Request to the electronic commercial subsystem, comprises determined goods to purchase of the merchandise news that provides according to the electronic commercial subsystem and local account sign in the Payment Request;
The electronic commercial subsystem is used for according to Payment Request, sends local account sign and the withhold request corresponding with goods to purchase of carrying to the account management subsystem;
Said account management subsystem is used for the request of withholing is transmitted to the SIM of subscriber equipment; And the success response of returning after withholing in local account according to SIM of withholing, in the corresponding system side account of local account sign, withhold, and after the success of withholing, return the success response of withholing to the electronic commercial subsystem.
The use local account that embodiment two provides carries out the method and system of remote payment; UE sends Payment Request to the electronic commercial subsystem; Make the electronic commercial subsystem according to this Payment Request; Send withholing request to the account management subsystem, the account management subsystem is transmitted to SIM with this request of withholing through UE, in the local account of the local account of SIM storage and account management subsystem stores identifies the system side account of correspondence, withholds successively; When withholing failure, can in the local account of SIM, increase the amount of money of having deducted, guaranteed the security of transaction.Through using local account to carry out remote payment, realized that the fusion of on-site payment and remote payment is unified, reduced the time delay property of remote payment, promoted user's impression.
Obviously, those skilled in the art can carry out various changes and modification to the present invention and not break away from the spirit and scope of the present invention.Like this, belong within the scope of claim of the present invention and equivalent technologies thereof if of the present invention these are revised with modification, then the present invention also is intended to comprise these changes and modification interior.
Claims (11)
1. a method of using local account to carry out remote payment is characterized in that, comprising:
Subscriber equipment is confirmed the required payment of goods to purchase according to the merchandise news that the electronic commercial subsystem provides, and sends the money request of withholding of carrying required payment to the subscriber identification module SIM; And
In local account, deduct the money success response of returning after the required payment of withholding according to said SIM, subscriber equipment sends Payment Request to said electronic commercial subsystem, comprises said goods to purchase and local account sign in the said Payment Request;
Said electronic commercial subsystem sends said local account sign and the withhold request corresponding with said goods to purchase of carrying according to said Payment Request to the account management subsystem;
Said account management subsystem is withholdd in the system side account corresponding with said local account sign according to the said request of withholing, and after the success of withholing, returns the success response of withholing to the electronic commercial subsystem.
2. the method for claim 1 is characterized in that, also comprises: said electronic commercial subsystem returns the payment success response according to the success response of withholing that receives to said subscriber equipment.
3. the method for claim 1 is characterized in that, said merchandise news method is provided, comprising:
Subscriber equipment sends the request of shopping page browsing to the electronic commercial subsystem;
The electronic commercial subsystem returns the shopping page that comprises said merchandise news according to the page browsing request of doing shopping to subscriber equipment.
4. like claim 1,2 or 3 described methods, it is characterized in that, also comprise:
The failure if withhold, then said account management subsystem returns the failure response of withholing in the failure back of withholing to the electronic commercial subsystem; And
Said electronic commercial subsystem returns the payment failure response according to the failure response of withholing that receives to said subscriber equipment.
5. method as claimed in claim 4 is characterized in that, also comprises:
Said subscriber equipment sends the money cancellation request of withholding according to the payment failure response that receives to SIM;
Said SIM increases the required payment of having deducted according to the said money cancellation request of withholding in local account.
6. a system that uses local account to carry out remote payment is characterized in that, comprises the subscriber equipment, account management subsystem and the electronic commercial subsystem that insert SIM, wherein:
Said subscriber equipment is used for the merchandise news that provides according to the electronic commercial subsystem, confirms the required payment of goods to purchase, and sends the money request of withholding of carrying required payment to the subscriber identification module SIM; And in local account, deduct the money success response of returning after the required payment of withholding according to said SIM, and send Payment Request to said electronic commercial subsystem, comprise in the said Payment Request that said goods to purchase and local account identify;
Said electronic commercial subsystem is used for according to said Payment Request, sends said local account sign and the withhold request corresponding with said goods to purchase of carrying to the account management subsystem;
Said account management subsystem is used for withholing with the corresponding system side account of said local account sign according to the said request of withholing, and after the success of withholing, returns the success response of withholing to the electronic commercial subsystem.
7. a subscriber equipment is characterized in that, comprising:
Confirm the unit: be used for the merchandise news that provides according to the electronic commercial subsystem, confirm the required payment of goods to purchase;
Transmitting element: be used to send the money request of withholding of carrying required payment;
SIM: be used to receive the said money request of withholding, the required payment of deduction in local account, and return the money success response of withholding;
Control module: be used for the money success response of withholding returned according to said SIM, send Payment Request, comprise in the said Payment Request that said goods to purchase and local account identify to said electronic commercial subsystem.
8. a method of using local account to carry out remote payment is characterized in that, comprising:
Subscriber equipment sends Payment Request to the electronic commercial subsystem, comprises determined goods to purchase of the merchandise news that provides according to the electronic commercial subsystem and local account sign in the said Payment Request;
Said electronic commercial subsystem sends said local account sign and the withhold request corresponding with said goods to purchase of carrying according to said Payment Request to the account management subsystem;
Said account management subsystem is transmitted to the said request of withholing the SIM of subscriber equipment; And
The success response of returning after withholing in local account according to said SIM of withholing is withholdd in the corresponding system side account of said local account sign, and after the success of withholing, is returned the success response of withholing to the electronic commercial subsystem.
9. method as claimed in claim 8 is characterized in that, also comprises:
Said account management subsystem returns the failure response of withholing to the electronic commercial subsystem after the failure of withholing; And
Said electronic commercial subsystem returns the payment failure response according to the failure response of withholing that receives to said subscriber equipment.
10. method as claimed in claim 9 is characterized in that, also comprises:
Said subscriber equipment sends the cancellation request of withholing according to the payment failure response that receives to SIM;
Said SIM increases the amount of money of having deducted according to the said cancellation request of withholing in local account.
11. a system that uses local account to carry out remote payment is characterized in that, comprises the subscriber equipment, account management subsystem and the electronic commercial subsystem that insert SIM, wherein:
Said subscriber equipment is used for sending Payment Request to said electronic commercial subsystem, comprises determined goods to purchase of the merchandise news that provides according to the electronic commercial subsystem and local account sign in the said Payment Request;
Said electronic commercial subsystem is used for according to said Payment Request, sends said local account sign and the withhold request corresponding with said goods to purchase of carrying to said account management subsystem;
Said account management subsystem is used for the said request of withholing is transmitted to the SIM of subscriber equipment; And the success response of returning after withholing in local account according to said SIM of withholing, in the corresponding system side account of said local account sign, withhold, and after the success of withholing, return the success response of withholing to the electronic commercial subsystem.
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CN2008101130825A CN101593387B (en) | 2008-05-27 | 2008-05-27 | Method, system and equipment for remote payment with local account |
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CN2008101130825A CN101593387B (en) | 2008-05-27 | 2008-05-27 | Method, system and equipment for remote payment with local account |
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CN103701762B (en) * | 2012-09-28 | 2017-04-19 | 中国银联股份有限公司 | Security information interaction system, equipment and method |
CN103489099A (en) * | 2013-09-24 | 2014-01-01 | 招商银行股份有限公司 | Electronic cash liquidation method and device |
CN107103463A (en) * | 2017-05-23 | 2017-08-29 | 微鲸科技有限公司 | Method of payment and device |
CN109685551A (en) * | 2018-12-05 | 2019-04-26 | 深圳正品创想科技有限公司 | Information processing method and its device, server and information processing system |
CN110442481B (en) * | 2019-07-10 | 2023-09-22 | 创新先进技术有限公司 | Service processing method, service component container and electronic equipment |
CN113807840A (en) * | 2021-09-03 | 2021-12-17 | 刘高峰 | Method, server and system for supporting local payment by multiple payment terminals of same user |
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