[summary of the invention]
Purpose of the present invention is to provide a kind of with pay the fees charging telephone card account's system and method for Unionpay cellphones payment system, and the user need not use rechargeable card, just can whenever and wherever possible calling card account be supplemented with money.
The object of the present invention is achieved like this, adopt a kind of like this with pay the fees charging telephone card account's system of Unionpay cellphones payment system, it is characterized in that, described system includes mobile phone account center (1), Unionpay cellphones paying centre (2), user's mobile phone (3), wherein, mobile phone account center (1) is provided with user's calling card account, Unionpay cellphones paying centre (2) and mobile phone account center (1) telecommunication connection mutually, when user's calling card account is supplemented with money, use mobile phone (3) to send the request charging information to mobile phone account center (1) by the user by mobile telephone network (4), collected from user's bank card account by Unionpay cellphones paying centre (2) by mobile phone account center (1) and supplement required fund with money, user's calling card account is supplemented at the mobile phone account center, back (1) of collecting money successfully with money.
And, adopt a kind of like this with pay the fees charging telephone card account's method of Unionpay cellphones payment system, it is characterized in that, described method comprises that the user uses mobile phone (3) to send the request charging information by mobile telephone network (4) to mobile phone account center (1), mobile phone account center (1) is collected from user's bank card account by Unionpay cellphones paying centre (2) according to request charging information content and is supplemented required fund with money, and collect money successfully afterwards mobile phone account center (1) supplements user's calling card account with money.
For realizing purpose of the present invention, also adopt a kind of like this method of paying the telephone bill expense with the Unionpay cellphones payment system, it is characterized in that, described method comprises that mobile phone account center (1) is before user's telephone bill expires, send short messages and notify the amount of money of paying the fees of subscriber-related this bill to user's mobile phone (3), after several minutes, mobile phone account center (1) is collected this amount of money fund of paying the fees by Unionpay cellphones paying centre (2) from user's bank card account then.
Aspect being provided with, the user will register his mobile phone (3) telephone number and bank card account number in advance, user's mobile phone (3) telephone number is in the same place with the bank card account number bundling, and the user can carry out relevant registration formalities in the site of issuing bank (5) or mobile telephone network operation company.When registration bundlees back user charging telephone card account or pays the telephone bill expense, just can be by the required expense of bank card account payment of Unionpay cellphones paying centre (2) at him.
So just realized purpose of the present invention.
Advantage of the present invention is to use rechargeable card, the user just can carry out recharging and paying to calling card account whenever and wherever possible, and mobile telephone network operation company also need not spend cost to print to sell rechargeable card, to user and the mobile telephone network operation both sides of company benifit very all.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the system configuration of the first embodiment of the present invention and the schematic illustration of method step, there is shown of the present invention with pay the fees charging telephone card account's the structure of system of Unionpay cellphones payment system, described system includes mobile phone account center (1), Unionpay cellphones paying centre (2), user's mobile phone (3), wherein, mobile phone account center (1) is provided with user's calling card account, Unionpay cellphones paying centre (2) and mobile phone account center (1) telecommunication connection mutually, when user's calling card account is supplemented with money, use mobile phone (3) to send the request charging information to mobile phone account center (1) by the user by mobile telephone network (4), collected from user's bank card account by Unionpay cellphones paying centre (2) by mobile phone account center (1) and supplement required fund with money, user's calling card account is supplemented at the mobile phone account center, back (1) of collecting money successfully with money.
In this manual, described Unionpay cellphones paying centre (2) provides the payment network of " Unionpay cellphones payment " service." Unionpay cellphones payment " service is that Unionpay releases the service of paying by mobile phone in Guangdong Province in November, 2008, when the user uses " Unionpay cellphones payment " service payment, Unionpay cellphones paying centre (2) meeting active call user's mobile phone (3) telephone number, can report payment information to the user behind user's incoming call answering, the user is after mobile phone (3) is gone up input payment of bank card password, and Unionpay cellphones paying centre (2) are just from the payment of deducting money of user's bank card account.This electric paying method that is undertaken by mobile phone is particularly suitable for as phone or the payment of suscribing to non-face-to-face transaction such as air ticket is made room reservation, teleshopping, shopping online on the net is used.The present invention is applied to supplementing with money of calling card account with " Unionpay cellphones payment " service, make mobile telephone network operation company collect the expense of supplementing with money from user's bank card account, provide a kind of good service that can supplement with money whenever and wherever possible safe and efficiently to the user by " Unionpay cellphones payment " service.
Continue to consult Fig. 1, Unionpay cellphones paying centre (2) shown in the figure is provided with interactive voice answering device (201), and be provided with one to multiple and be used for the telephone line of user mobile phone (3) communication and be used to receive and send the device of note, Unionpay cellphones paying centre (2) are by interactive voice answering device (201) and mobile telephone network (4) and user's mobile phone (3) communication.As for mobile phone account center (1), mobile phone account center (1) also is provided with and is used for the telephone line of user mobile phone (3) communication and is used to receive and send the device of note.In this manual, described mobile telephone network (4) comprises the network of being made up of mobile telephone network and/or fixed telephone network, and described mobile telephone network comprises the mobile telephone network of GSM, CDMA, 3G and so on; Described mobile phone (3) comprises the mobile phone of various standards, for convenience of description, is called mobile phone (3) in this manual without exception.
Continue to consult Fig. 1, method shown in Fig. 1 comprises that the user uses mobile phone (3) to send the request charging information by mobile telephone network (4) to mobile phone account center (1), mobile phone account center (1) is collected from user's bank card account by Unionpay cellphones paying centre (2) according to request charging information content and is supplemented required fund with money, and collect money successfully afterwards mobile phone account center (1) supplements user's calling card account with money.In this manual, described request charging information content comprises: the account number of recharge amount and/or phonecard and/or the telephone number of phonecard; Described bank card is meant user's credit or debit card or credit card or the user account in bank.
Continue to consult Fig. 1, in the method step shown in Fig. 1, described request charging information is to be sent to mobile phone account center (1) by following wherein method from user mobile phone (3):
A. the user uses mobile phone (3) mode of sending short messages, to ask charging information to send mobile phone account center (1) to by mobile telephone network (4) from mobile phone (3), user's mobile phone (3) telephone number is found out from the source telephone number of note in mobile phone account center (1), finds out the account number of recharge amount and/or phonecard and/or the telephone number of phonecard from short message content;
B. the user uses mobile phone (3) to send out the USSD information mode, to ask charging information to send mobile phone account center (1) to by mobile telephone network (4) from mobile phone (3), user's mobile phone (3) telephone number is found out from the source telephone number of USSD information in mobile phone account center (1), finds out the account number of recharge amount and/or phonecard and/or the telephone number of phonecard from the USSD information content;
C. the user uses mobile phone (3) to send a telegraph and calls out the telephone number of supplementing with money of mobile phone account center (1) appointment, the user was at mobile phone (3) input request charging information after this incoming call was answered at mobile phone account center (1), user's mobile phone (3) telephone number is found out from the incoming call number of this calling in mobile phone account center (1), finds out the account number of recharge amount and/or phonecard and/or the telephone number of phonecard from the request charging information content of user's input.
Continue to consult Fig. 1, the method shown in Fig. 1 comprises the steps:
A. the user uses mobile phone (3) will ask charging information to be sent to mobile phone account center (1) by mobile telephone network (4);
B. mobile phone account center (1) finds out the account number of recharge amount and/or phonecard and/or the telephone number of phonecard from request charging information content, find out user mobile phone (3) telephone number from the source telephone number of request charging information, find out the bank card account number that bundlees mutually with this mobile phone (3) telephone number from user mobile phone (3) telephone number, check request charging information content errorless after, charging information is checked to the user with the mobile phone (3) that note or USSD information send the user to, and described charging information comprises the account number of recharge amount and/or phonecard and/or the telephone number and/or the bank card account number of phonecard;
C. after several minutes, mobile phone account center (1) is sent to Unionpay cellphones paying centre (2) request payment with described recharge amount and bank card account number;
D. Unionpay cellphones paying centre (2) from the user at the money of the bank card account of issuing bank (5) account transfer recharge amount to the bank account of mobile phone account center (1) in receiving bank (6), transfer accounts and successfully afterwards notifies mobile phone account center (1) to pay successfully;
E. mobile phone account center (1) deposits recharge amount in user's calling card account, sends short messages then and notifies the user successful recharging to user's mobile phone (3).
Consult Fig. 2, Fig. 2 comprises the step schematic illustration of paying first embodiment that supplements the expense detailed step with money, compare with the step shown in Fig. 1, step shown in Fig. 2 also comprises following D group step, being mobile phone account center (1) collects the step of the money of recharge amount by Unionpay cellphones paying centre (2) to the user, and concrete D group step is as follows:
D1. Unionpay cellphones paying centre (2) are by interactive voice answering device (201) calling party's mobile phone (3);
D2. user's mobile phone (3) is received the incoming call of Unionpay cellphones paying centre (2), the user knows it is the incoming call of Unionpay cellphones paying centre (2) from this phone number of calling, recharge amount was read by interactive voice answering device (201) in Unionpay cellphones paying centre (2) after the user answered this incoming call, please the user confirm payment at mobile phone (3) input payment cipher;
The user check recharge amount errorless after, agree that payment is just gone up at mobile phone (3) press the payment cipher affirmation, disagree with to pay and just confirm not according to payment cipher;
D3. Unionpay cellphones paying centre (2) receive that the user is behind the payment cipher of mobile phone (3) input, payment cipher, recharge amount, bank card account number are sent to issuing bank (5), and the money of request account transfer recharge amount is to the bank account of mobile phone account center (1) in receiving bank (6);
D4. issuing bank (5) check payment cipher errorless after, from the money of user's bank card account account transfer recharge amount to the bank account of mobile phone account center (1) in receiving bank (6);
D5. after transferring accounts successfully, pay successfully at Unionpay cellphones paying centre (2) notice mobile phone account centers (1);
D6. Unionpay cellphones paying centre (2) are sent short messages and are notified the user to pay success to user's mobile phone (3).
Consult Fig. 3, Fig. 3 is the method step schematic illustration of the second embodiment of the present invention, there is shown the method step that uses the Unionpay cellphones payment system to pay the telephone bill expense, method shown in Fig. 3 comprises that mobile phone account center (1) is before user's telephone bill expires, send short messages and notify the amount of money of paying the fees of subscriber-related this bill to user's mobile phone (3), after several minutes, mobile phone account center (1) is collected this amount of money fund of paying the fees by Unionpay cellphones paying centre (2) from user's bank card account then.
Continue to consult Fig. 3, the method shown in Fig. 3 comprises following F group step:
F1. mobile phone account center (1) is sent short messages and is notified the amount of money of paying the fees of subscriber-related this bill to user's mobile phone (3) before user's telephone bill expires;
F2. after several minutes, mobile phone account center (1) is sent to Unionpay cellphones paying centre (2) request payment with described the pay the fees amount of money and user's bank card account number;
F3. Unionpay cellphones paying centre (2) are by interactive voice answering device (201) calling party's mobile phone (3);
F4. user's mobile phone (3) is received the incoming call of Unionpay cellphones paying centre (2), the user knows it is the incoming call of Unionpay cellphones paying centre (2) from this phone number of calling, the amount of money of paying the fees was read by interactive voice answering device (201) in Unionpay cellphones paying centre (2) after the user answered this incoming call, please the user confirm payment at mobile phone (3) input payment cipher;
The user check the amount of money of paying the fees errorless after, agree that payment is just gone up at mobile phone (3) press the payment cipher affirmation, disagree with to pay and just confirm not according to payment cipher;
F5. Unionpay cellphones paying centre (2) receive that the user is behind the payment cipher of mobile phone (3) input, payment cipher, the amount of money of paying the fees, bank card account number are sent to issuing bank (5), and request account transfer is paid the fees the money of the amount of money to the bank account of mobile phone account center (1) in receiving bank (6);
F6. issuing bank (5) check payment cipher errorless after, pay the fees the money of the amount of money to the bank account of mobile phone account center (1) from the account transfer of user's bank card account in receiving bank (6);
F7. after transferring accounts successfully, pay successfully at Unionpay cellphones paying centre (2) notice mobile phone account centers (1);
F8. Unionpay cellphones paying centre (2) are sent short messages and are notified the user to pay success to user's mobile phone (3);
F9. after mobile phone account center (1) receives the payment successful information, deposit the amount of money of paying the fees in user's phone account, send short messages then to user's mobile phone (3) notice subscriber payment success.
By above each embodiment, described the feature of system and method for the present invention in detail.Though the present invention is illustrated with the above embodiments, the present invention is not limited to this, under the situation of the scope of not leaving spirit of the present invention and appended claims, can do multiple change and variation.
Of the present invention with pay the fees charging telephone card account's system and method for Unionpay cellphones payment system, can make things convenient for the user need not use rechargeable card, just can carry out recharging and paying to calling card account whenever and wherever possible, and mobile telephone network operation company also need not spend cost to print to sell rechargeable card, to user and the mobile telephone network operation both sides of company benifit very all.