CN102045664A - Method for deducting fee by using prepayment system, service platform and gateway equipment - Google Patents
Method for deducting fee by using prepayment system, service platform and gateway equipment Download PDFInfo
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- CN102045664A CN102045664A CN2009102060665A CN200910206066A CN102045664A CN 102045664 A CN102045664 A CN 102045664A CN 2009102060665 A CN2009102060665 A CN 2009102060665A CN 200910206066 A CN200910206066 A CN 200910206066A CN 102045664 A CN102045664 A CN 102045664A
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Abstract
The invention relates to a method for deducting fee by using a prepayment system, a service platform and gateway equipment. The method comprises the following steps of: receiving a deducting request from a user, wherein the deducting request contains deducted money and first account information and the first account is an account of the user in the pretreatment system; transmitting a deducting short message through a short message interface according to the deducting request so that the prepayment system can carry out the deducting operation on the first account according to the request of the deducting operation after the gateway equipment initiates the request for carrying out the deducting operation on the first account for the prepayment system, wherein the deducting short message comprises deducting service information, deducted money and first account information, and the request for the deducting operation comprises the deducted money and first account information; receiving a short message replay of the deducting short message transmitted by the gateway equipment and recharging the second account according to the deducted money, wherein the second account is an account of the user on a third party service platform so that the corresponding fee can be deducted from the second account when the user use services of the third party service platform. By using the invention, the charge owing can be avoided.
Description
Technical field
The present invention relates to communication technical field, relate in particular to a kind of method of using payment system to deduct fees, business platform and gateway device.
Background technology
At present, the rate of network traffic and most of mobile communication business are all collected by payment system.Before the user uses a certain business, at first in payment system, set up user's personal account and supplement with money.The user uses in this professional process, and payment system is deducted the expense that takes place from the personal account of setting up.The business of using payment system to deduct fees is called prepayment service, as the talk business of mobile phone.Prepayment service is supplemented money in the personal account of payment system with money by modes such as rechargeable card, cash payment, bank transfers before using.The account at specific prepayment service supplement with money, fee deduction treatment.If Sorry, your ticket has not enough value for personal account in the payment system, then can not carry out any consumer behavior.
Along with popularizing of telex network demand and enriching of communication traffic, more and more at the business that the user who sets up personal account at payment system provides, more business platform need be by realizing professional deducting fees with payment system alternately.
In the prior art, realize that by payment system the charging method of third party's business is that third party's business is passed to payment system according to the ticket that conversation generates, and carries out fee deduction treatment by payment system according to ticket then on same account.
In realizing process of the present invention, the inventor finds that there is following defective at least in prior art: ticket sends to payment system by third party's business platform and handles, and can't realize real-time deduction, has certain time-delay, easily causes the arrearage risk.
Summary of the invention
The embodiment of the invention proposes a kind of method, business platform and gateway device that uses payment system to deduct fees, to realize using the real-time deduction of payment system to third party's business.
The embodiment of the invention provides a kind of method of using payment system to deduct fees, comprising:
Receive user's the account request of drawing, comprise in the described stroke of account request and draw the button amount of money and first accounts information; Wherein first account is the account of described user at payment system;
Send the note of deducting fees according to described stroke of account request by short message interface, so that gateway device is to request of operating is deducted fees in described payment system initiation to described first account after, by payment system according to the described request of operating of deducting fees to the operation of deducting fees of first account, the described note of deducting fees comprises deduct fees business information and the described stroke button amount of money, first accounts information, comprises the described stroke of button amount of money, first accounts information in the described request of operating of deducting fees;
Receive the returning short message of the described note of deducting fees of gateway device transmission, and detain the amount of money to second account charging according to described stroke; Described second account is the account of described user at third party's business platform, so that described user deducts corresponding cost from described second account when using third party's business platform professional.
The embodiment of the invention also provides a kind of method of using payment system to deduct fees, comprising:
Receive the note of deducting fees that comprises deduct fees business information and stroke button amount of money and first accounts information that third party's business platform sends, wherein first account is the account of described user at payment system;
Initiate described first account request of operating of deducting fees to payment system according to the described stroke of button amount of money, the described request of operating of deducting fees comprises the described stroke of button amount of money and described first accounts information;
Described request by the situation of success response under, send the returning short message of the described note of deducting fees to described third party's business platform, so that third party's business platform is detained the amount of money to second account charging according to described stroke, make described user when using described third party's business platform professional, from second account, deduct corresponding cost; Described second account is the account of described user at described third party's business platform.
The embodiment of the invention also provides a kind of business platform equipment, comprising:
The request receiver module is used to receive user's the account request of drawing, and comprises in the described stroke of account request and draws the button amount of money and first accounts information; Wherein first account is the account of described user at payment system;
Sending module, be used for sending the note of deducting fees by short message interface according to described stroke of account request, so that gateway device is after described payment system initiates described first account deducted fees request of operating, by payment system according to the described request of operating of deducting fees to the operation of deducting fees of first account; The described note of deducting fees comprises deduct fees business information and the described stroke button amount of money, first accounts information, comprises the described stroke of button amount of money, first accounts information in the described request of operating of deducting fees;
Supplement module with money, be used to receive the returning short message of the described note of deducting fees that gateway device sends, and according to the described stroke of button amount of money to second account charging; Described second account is the account of described user at third party's business platform, so that described user deducts corresponding cost from described second account when using third party's business platform professional.
The embodiment of the invention also provides a kind of gateway device, comprising:
The note of deducting fees receiver module is used to receive the note of deducting fees that comprises deduct fees business information and stroke button amount of money and first accounts information that third party's business platform sends, and wherein first account is the account of described user at payment system;
The request module of deducting fees is used for initiating described first account request of operating of deducting fees to payment system according to the described stroke of button amount of money, and the described request of operating of deducting fees comprises the described stroke of button amount of money and described first accounts information;
The returning short message module, be used for described request by the situation of success response under, send the returning short message of the described note of deducting fees to described third party's business platform, so that third party's business platform is detained the amount of money to second account charging according to described stroke, make described user when using described third party's business platform professional, from second account, deduct corresponding cost; Described second account is the account of described user at described third party's business platform.
The embodiment of the invention also provides a kind of system that uses payment system to deduct fees, and comprises above-mentioned business platform equipment and above-mentioned gateway device.
The foregoing description is by drawing the button amount of money to the account of this user at third party's business platform from the user in the account of payment system, make third party's business platform to use the professional expense that takes place of third party to deduct in real time, solved prior art owing to realizing that real-time deduction produces the arrearage risk problem that time-delay causes to the user.Avoided that payment system has reduced the performance loss of payment system to the processing of ticket in the prior art, improved the processing speed of payment system.
Below by drawings and Examples, technical scheme of the present invention is described in further detail.
Description of drawings
A kind of flow chart that uses the method that payment system deducts fees that Fig. 1 provides for the embodiment of the invention;
The another kind that Fig. 2 provides for the embodiment of the invention uses the flow chart of the method that payment system deducts fees;
Fig. 3 provide for the embodiment of the invention another use the signaling process figure of the method that payment system deducts fees;
Fig. 4 is the schematic network structure of application embodiment illustrated in fig. 3;
The structural representation of the business platform equipment that Fig. 5 provides for the embodiment of the invention;
The structural representation of the gateway device that Fig. 6 provides for the embodiment of the invention;
The structural representation of the system that Fig. 7 deducts fees for the use payment system that the embodiment of the invention provides.
Embodiment
A kind of flow chart that uses the method that payment system deducts fees that Fig. 1 provides for the embodiment of the invention.This method comprises:
This action can be carried out by third party's business platform.Suppose that a certain user has set up i.e. first account of account in payment system, and this user has opened third party's business again, this user is after third party's business platform is opened an account, then need promptly to deduct part or all amount of money first account in the account of payment system from this user, and the money charging that will deduct from first account is the account set up of third party's business platform promptly in second account to the business platform in above-mentioned third party's business, the payment function that this user could use the business platform of third party's business to provide.The user can send to this third party's business platform and draw the account request, and accounts informations such as drawing the button amount of money, first account is provided, so that this third party's business platform is drawn account according to first accounts information of drawing the account request and provide.Wherein first accounts information is the accounts information that this user sets up in payment system.
This action can be carried out by third party's business platform.Third party's business platform generates the note of deducting fees according to described stroke of account request, comprised deduct fees business information and the described stroke button amount of money, first accounts information in the note of deducting fees, be used for from the corresponding money charging of payment system deduction to the user the account of third party's business platform.The note of deducting fees that third party's business platform will generate sends to gateway device, so that gateway device initiates to deduct fees request of operating to payment system, and carries out the operation of deducting fees by payment system.
This action can be carried out by third party's business platform.Third party's business platform receives the returning short message of the described note of deducting fees, and illustrates that drawing the button amount of money deducts the account of payment system from the user, and at this moment, third party's business platform will be drawn the button money charging to the account of user at this platform.Like this, the user just can use payment funding in the account in this third party's business platform to use the professional expense that takes place of third party of this platform.
Because the user has put fund from this user under in the account of payment system in the account of third party's business platform before the user uses third party's business, like this, when the user used this third party's business platform professional, this third party's business platform can be from this user expense of taking place of deduction in real time the account of this business platform.
Present embodiment is by drawing the button amount of money to the account of this user at third party's business platform from the user in the account of payment system, make third party's business platform to use the professional expense that takes place of third party to deduct in real time, solved prior art owing to realizing that real-time deduction produces the arrearage risk problem that time-delay causes to the user.Avoided that payment system has reduced the performance loss of payment system to the processing of ticket in the prior art, improved the processing speed of payment system.
Also can comprise before the above-mentioned steps 11:
Receive the user and draw stroke account application that the bitch chain sending and receiving go out by on client end interface, clicking;
After the user logins third party's business platform, enter the client of third party's business platform, show a stroke bitch chain on the customer terminal webpage and connect, user's click stroke bitch chain connects to third party's business platform and sends the account request of drawing.Third party's business platform can receive the user and draw stroke account application that the bitch chain sending and receiving go out by clicking on client end interface.
Third party's business platform sends the affirmation request message according to described stroke of account application to described user, comprises the identifying code that third party's business platform generates in the described affirmation request message; After stroke account application that receives user's transmission, to this user's sending short message by mobile phone, the request user confirms as third party's business platform; Or third party's business platform sends mail to this user's network account, request user affirmation; Or communication apparatus such as the mobile phone of third party's business platform by dialing this user, fixed line, please this user confirm by the mode of voice.
Receive the return information of the described affirmation request message that described user returns;
Suppose the user by confirm to draw the account application at client input validation sign indicating number, the return information that third party's business platform receives is an identifying code.
Described return information is carried out authentication.
Third party's business platform carries out authentication after receiving return information, confirms that the user carries out above-mentioned steps 12 after agreeing to draw account.
In the above-mentioned steps 11, draw the password that the account request also can comprise described first account; At this moment, gateway device initiates described first account request of operating of deducting fees is comprised to described payment system, to the budget request of described payment system mail sending charge per message, comprise the password of first accounts information and first account in the described expense budget request and draw and to buckle the amount of money, according to the password of first accounts information and first account authentication is carried out in the expense budget request before so that described payment system carries out expense budget, judge whether the remaining sum in described first account detains the amount of money greater than described stroke; Receive described expense budget request responding message, carry remaining sum in first account in the described response message whether greater than the result of the described stroke of button amount of money; And, send the operation requests of deducting fees to described payment system when described remaining sum is detained remaining sum greater than described stroke.To guarantee to draw the safety of account.
Draw the safety of account and also can carry out the authentication realization to third party's business platform by payment system, if payment system passes through the authentication of third party's business platform, then payment system thinks that this third party's business platform is believable, directly according to the note of the deducting fees operation of deducting fees, and need not to carry out once more authentication.
Correspondingly, the another kind that provides for the embodiment of the invention of Fig. 2 uses the flow chart of the method that payment system deducts fees.This method comprises:
Comprising that step 21, reception third party business platform send deducted fees business information and drawn the note of deducting fees of detaining the amount of money and first accounts information, and wherein first account is the account of described user at payment system.Draw the account request and the note of deducting fees and see above-mentioned steps 11 and step 12 for details.
This action can be carried out by gateway device.After gateway device receives the note of deducting fees of third party's business platform transmission, detain the amount of money according to drawing in the note of deducting fees, just can know the amount of money that the account of payment system, to deduct from this user, just can know the account of user at payment system according to first accounts information.
This action can be carried out by gateway device.Gateway device initiates to deduct fees request of operating to payment system, and payment system is deducted the account of payment system and the amount of money of drawing button amount of money equal number from this user.
This action can be carried out by gateway device.Gateway device receives the response message of described request, if when connecing described request by success response, payment system has been deducted the account of payment system from this user and has been drawn the button amount of money as can be known, then send returning short message, the account of payment system, deduct the corresponding amount of money from this user to inform third party's business platform.Like this, third party's business platform just can with the deduction money charging to this user in the account of this business platform, specifically see above-mentioned steps 13 for details.
In the present embodiment, gateway device is initiated described first account request of operating of deducting fees to payment system according to the note of deducting fees, the account of payment system, deduct the corresponding amount of money from the user, and inform third party's business platform, make third party's business platform put the amount of money of deduction under this user in the account of this business platform, thereby make third party's business platform to use the professional expense that takes place of third party to deduct in real time, solved prior art owing to realizing that real-time deduction produces the arrearage risk problem that time-delay causes to the user.
Also can comprise before the above-mentioned steps 22:
To the budget request of described payment system mail sending charge per message,, judge whether the remaining sum in described first account detains the amount of money greater than described stroke so that described payment system carries out expense budget;
Receive described expense budget request responding message, carry remaining sum in first account in the described response message whether greater than the result of the described stroke of button amount of money;
When described remaining sum is detained remaining sum greater than described stroke, send the operation requests of deducting fees to described payment system; Otherwise refusal sends the operation requests of deducting fees to described payment system.
When described remaining sum was detained remaining sum greater than described stroke, the method that the use payment system that the embodiment of the invention provides is deducted fees also can comprise:
Send the described notifying messages of deducting fees to described user, with inform the user will be from its first account the concrete amount of money of deduction fund and deduction.
In the above-mentioned steps 21, can comprise the password of described first account in the described note of deducting fees; At this moment, initiate described first account request of operating of deducting fees to payment system according to the described stroke of button amount of money, comprise: to the budget request of described payment system mail sending charge per message, comprise the password of first accounts information and first account in the described expense budget request and draw and to buckle the amount of money, according to the password of first accounts information and first account authentication is carried out in the expense budget request before so that described payment system carries out expense budget, judge whether the remaining sum in described first account detains the amount of money greater than described stroke; Receive described expense budget request responding message, carry remaining sum in first account in the described response message whether greater than the result of the described stroke of button amount of money; And, send the operation requests of deducting fees to described payment system when described remaining sum is detained remaining sum greater than described stroke.To guarantee to draw the fail safe of account.
With the converged communication business is example.The converged communication business platform is third party's business platform, provides value-added services such as conversation, meeting, note to user's (comprising the user who uses prepayment service, the user who uses post payment service).At the user who uses prepayment service, the account of user in payment system is kept in the payment system, the user is when using the third party professional, third party's business platform judges by the account who preserves in the payment system whether the user who uses third party's business is the prepaid user, and use under the situation of user as the prepaid user of third party's business at this, in payment system, deduct fees.
The user who supposes a certain use prepayment service has set up account in payment system, and this user opened the converged communication business again, and opens an account on the business platform of converged communication business.
Fig. 3 provide for the embodiment of the invention another use the signaling process figure of the method that payment system deducts fees.Present embodiment is remitted money by note system, and third party's business platform is after the converged communication business platform is realized deducting fees from payment system by the transmission note, to supplement with money on third party's business platform.As shown in Figure 4, note system has adopted China Mobile Peer to Peer Protocol (China Mobile Peer to Peer, CMPP agreement), gateway device adopted the industry gateway (Industry Application Gateway, IAGW).Charging method specifically comprises:
After step 301, user login the client of converged communication business, click a stroke bitch chain and connect on the interface of client, sign in to drawing of converged communication business platform and detain on the page, account is drawn in application.
Step 302, user click the generation identifying code button of drawing on the button page, and the converged communication business platform generates identifying code and promptly confirms request message.
Step 303, converged communication business platform call the CMPP note transmission interface of industry gateway, send the identifying code that generates by " Submit " message.
Step 304, industry gateway send to check code on this user's the mobile phone with way of short messages by the operator SMS system.
Step 305, user are after mobile phone is received identifying code, at stroke identifying code that the identifying code input frame input handset of the button page is received; And in stroke amount of money check box of remitting money that the button page provides, also select to draw and detain an amount of money, provide 50 yuan, 30 yuan, 20 yuan, 15 yuan, 10 yuan, 5 yuan etc. to draw the button amount of money in the drop-down option as this check box, after stroke first account that the button page provides imports user's first accounts information, click on submission button.
Step 306, converged communication business platform carry out authentication to the identifying code of user's input.
After step 307, authentication were passed through, the CMPP short message interface (" Submit " message) that the converged communication business platform calls the industry gateway sent the note of deducting fees.The note of deducting fees is identical with normal short message, and major parameter can comprise: initiator, charged party, recipient, service code, SPID, the amount of money of deducting fees.Wherein, the initiator is the code of converged communication business platform; Charged party is the account of user in payment system, as this user's phone number; The recipient promptly receives the user terminal of the note of deducting fees, as user's phone number; Service code promptly needs to use the code of third party's business that the amount of money in the charged party pays, and this service code can corresponding payment amount, and concrete value need move application, and SPID promptly provides the code of the enterprise of third party's business.The amount of money of deducting fees is the amount of money of remitting money that the user selects, and unit can be branch.Specifically as shown in table 1.
Table 1
Step 308, industry gateway judge that it is the prepaid user that the user of account is drawn in application, call SCP (service control point in the payment system, Service Control point) Extended Mobile Point to Point (Extended Mobile Peer to Peer, EMPP) interface carries out expense budget to SCP transmission " sm_chg_req " expense budget message, comprises first accounts information in the described expense budget message and draws a button amount of money.
Step 309, SCP carry out expense budget according to described expense budget message to first account balance, if first account balance is greater than the described stroke of button amount of money, SCP returns " sm_chg_resp " response message to the industry gateway, the industry gateway is dealt on this user's the mobile phone by the operator SMS system notifying messages of will deducting fees, and informs this user.
After step 310, this user's mobile phone was received the notifying messages of deducting fees, the operator SMS system gave the industry gateway by the deduct fees receipt of notifying messages of " Deliver " message transmission of CMPP, informed that the industry gateway notifying messages of deducting fees sends successfully.
After step 311, industry gateway are received the receipt of the notifying messages of deducting fees, think that the notifying messages of deducting fees sends successfully, then send " sm_cnfm_req " message of the operation requests operation of deducting fees of deducting fees by the EMPP interface to SCP, the described operation information of deducting fees can comprise first accounts information and draw and detain an amount of money.
Step 312, SCP deduct fees after the success, return " sm_cnfm_resp " to the industry gateway and deduct fees and operate response message, finish to inform the operation of deducting fees of industry gateway.The industry gateway returns the returning short message (" Deliver " message of CMPP agreement) of the note of deducting fees to the converged communication business platform, and the indication note is deducted fees successfully.
After step 313, converged communication business platform are received the returning short message of the note of deducting fees, promptly supplement with money in second account at the converged communication account working according to the button amount of money of drawing of application.
In the method that the use payment system that the embodiment of the invention provides is deducted fees, gateway device can also be dream net gateway ISMG or Short Message Service Gateway (SMS GW), and the short message protocol of employing also can be the SMPP agreement.
The structural representation of the business platform equipment that Fig. 5 provides for the embodiment of the invention.This equipment is third party's business platform equipment, can comprise: ask receiver module 51, sending module 52, supplement module 53 with money.Request receiver module 51 is used to receive user's the account request of drawing, and comprises in the described stroke of account request and draws the button amount of money and first accounts information; Wherein first account is the account of described user at payment system.Sending module 52 is used for sending the note of deducting fees according to described stroke of account request by short message interface, so as gateway device after described payment system initiates described first account deducted fees request of operating by payment system according to the described operation requests of deducting fees to the operation of deducting fees of first account; The described note of deducting fees comprises deduct fees business information and the described stroke button amount of money, first accounts information, comprises the described stroke of button amount of money, first accounts information in the described operation requests of deducting fees.The business information of wherein deducting fees comprises the information such as code of third party's business, sees above-mentioned table 1 for details.Supplement module 53 with money and be used to receive the returning short message of the described note of deducting fees that gateway device sends, and according to the described stroke of button amount of money to second account charging; Described second account is the account of described user at third party's business platform, so that described user deducts corresponding cost from described second account when using third party's business platform professional; Described second account is the account of described user at this business platform.
Described stroke of account request also can comprise the password of described first account, so that described gateway device is to the budget request of described payment system mail sending charge per message, comprise the password of first accounts information and first account in the described expense budget request and draw and to buckle the amount of money, according to the password of first accounts information and first account authentication is carried out in the expense budget request before so that described payment system carries out expense budget, judge whether the remaining sum in described first account detains the amount of money greater than described stroke; Receive described expense budget request responding message, carry remaining sum in first account in the described response message whether greater than the result of the described stroke of button amount of money; And, send the operation requests of deducting fees to described payment system when described remaining sum is detained remaining sum greater than described stroke.
In the present embodiment, business platform equipment initiates to deduct fees request of operating to the payment system at user place as third party's business platform in advance by gateway device, to draw account, make business platform equipment to use the professional expense that takes place of third party to deduct in real time, solved prior art owing to realizing that real-time deduction produces the arrearage risk problem that time-delay causes to the user.Avoided that payment system has reduced the performance loss of payment system to the processing of ticket in the prior art, improved the processing speed of payment system.
The business platform equipment that the embodiment of the invention provides also can comprise: application receiver module, affirmation request module, answer receiver module and authentication module.The application receiver module is used to receive the user and draws stroke account application that the bitch chain sending and receiving go out by clicking on client end interface; Confirm that request module is used for sending the affirmation request message according to described stroke of account application to described user, carry identifying code in the described affirmation request message; Reply receiver module and be used to receive the return information of the described affirmation request message that described user returns, carry described identifying code in the described return information; Authentication module is used for according to described identifying code described return information being carried out authentication.Concrete operations see the explanation among the said method embodiment for details.
The structural representation of the gateway device that Fig. 6 provides for the embodiment of the invention.This equipment can comprise: the note of deducting fees receiver module 61, the request module of deducting fees 62 and returning short message module 63.The note of deducting fees receiver module 61 usefulness receive the note of deducting fees that comprises deduct fees business information and stroke button amount of money and first accounts information that third party's business platform sends, and wherein first account is the account of described user at payment system.The request module of deducting fees 62 is used for initiating described first account request of operating of deducting fees to payment system according to the described stroke of button amount of money, and the described operation requests of deducting fees comprises the described stroke of button amount of money and described first accounts information.Returning short message module 63 be used for described request by the situation of success response under, send the returning short message of the described note of deducting fees to described third party's business platform, so that third party's business platform makes described user according to the described stroke of button amount of money when using described third party's business platform professional to second account charging, from second account, deduct corresponding cost; Described second account is the account of described user at described third party's business platform.Wherein, the described note of deducting fees also can comprise the password of described first account; At this moment, the described request module 62 of deducting fees is used for to the budget request of described payment system mail sending charge per message, comprise the password of first accounts information and first account in the described expense budget request and draw and to buckle the amount of money, according to the password of first accounts information and first account authentication is carried out in the expense budget request before so that described payment system carries out expense budget, judge whether the remaining sum in described first account detains the amount of money greater than described stroke; Receive described expense budget request responding message, carry remaining sum in first account in the described response message whether greater than the result of the described stroke of button amount of money; And, send the operation requests of deducting fees to described payment system when described remaining sum is detained remaining sum greater than described stroke.
In the present embodiment, gateway device is initiated described first account request of operating of deducting fees to payment system according to the note of deducting fees of third party's business platform, deduct fees with realization, thereby make third party's business platform the user use professional before to the account charging of user at this platform, realized that third party's business platform to the real-time deduction that the user uses the professional expense that takes place of third party, has solved prior art owing to realizing that real-time deduction produces the arrearage risk problem that time-delay causes.Avoided that payment system has reduced the performance loss of payment system to the processing of ticket in the prior art, improved the processing speed of payment system.
The gateway device that the embodiment of the invention provides also can comprise: budget request module and budget response receiver module, budget please module be used for to the budget request of described payment system mail sending charge per message, so that described payment system carries out expense budget, judge whether the remaining sum in described first account detains the amount of money greater than described stroke; Budget response receiver module is used to receive described expense budget request responding message, carries remaining sum in first account in the described response message whether greater than the result of the described stroke of button amount of money; The described request module 62 of deducting fees is used for sending the operation requests of deducting fees to described payment system when described remaining sum is detained remaining sum greater than described stroke.Also promptly, the described request module 62 of deducting fees specifically is used for carrying out described deduction operation under the situation of described remaining sum greater than described stroke of button remaining sum.When the account balance of user in payment system is less than or equal to when drawing the button amount of money, gateway device is never called the request module 62 of deducting fees and is carried out the deduction operation.
The gateway device that the embodiment of the invention provides also can comprise: the SMS module of deducting fees.This SMS module of deducting fees is used for sending the described notifying messages of deducting fees to described user, informs user's information of deducting fees.
The structural representation of the system that Fig. 7 deducts fees for the use payment system that the embodiment of the invention provides.This system comprises: business platform equipment 71 and gateway device 72.Business platform equipment 71 can be any business platform equipment that the said equipment embodiment provides, and is used for sending the note of deducting fees to gateway device 72, and according to returning short message the account in this platform device is supplemented with money.Any gateway device that gateway device 72 can be and the said equipment embodiment provides, be used for initiating to deduct fees request of operating to payment system, payment system is deducted fees to the account of initiating stroke account requesting users in the native system according to the note of deducting fees that receives.
The system that present embodiment provides is by equipment such as business platform equipment 71 and gateway devices 72, draw the button amount of money to the account of this user from the user in the account of payment system at third party's business platform, make third party's business platform to use the professional expense that takes place of third party to deduct in real time, solved prior art owing to realizing that real-time deduction produces the arrearage risk problem that time-delay causes to the user.Avoided that payment system has reduced the performance loss of payment system to the processing of ticket in the prior art, improved the processing speed of payment system.
Said method and apparatus embodiments are drawn the account request according to Client-initiated, and to the payment system operation of deducting fees in advance, third party's business platform carries out consume operations, real-time deduction, like this, both avoid the existence of arrearage risk, alleviated the performance pressure of payment system again.And third party's business platform is deducted fees to payment system by the short message interface of standard, and payment system need not to cooperate and changes.
One of ordinary skill in the art will appreciate that: all or part of step that realizes said method embodiment can be finished by the relevant hardware of program command, aforesaid program can be stored in the computer read/write memory medium, this program is carried out the step that comprises said method embodiment when carrying out; And aforesaid storage medium comprises: various media that can be program code stored such as ROM, RAM, magnetic disc or CD.
It should be noted that at last: above embodiment only in order to technical scheme of the present invention to be described, is not intended to limit; Although with reference to previous embodiment the present invention is had been described in detail, those of ordinary skill in the art is to be understood that: it still can be made amendment to the technical scheme that aforementioned each embodiment put down in writing, and perhaps part technical characterictic wherein is equal to replacement; And these modifications or replacement do not make the essence of appropriate technical solution break away from the spirit and scope of various embodiments of the present invention technical scheme.
Claims (13)
1. a method of using payment system to deduct fees is characterized in that, comprising:
Receive user's the account request of drawing, comprise in the described stroke of account request and draw the button amount of money and first accounts information; Wherein first account is the account of described user at payment system;
Send the note of deducting fees according to described stroke of account request by short message interface, so that gateway device is to request of operating is deducted fees in described payment system initiation to described first account after, by payment system according to the described request of operating of deducting fees to the operation of deducting fees of first account, the described note of deducting fees comprises deduct fees business information and the described stroke button amount of money, first accounts information, comprises the described stroke of button amount of money, first accounts information in the described request of operating of deducting fees;
Receive the returning short message of the described note of deducting fees of gateway device transmission, and detain the amount of money to second account charging according to described stroke; Described second account is the account of described user at third party's business platform, so that described user deducts corresponding cost from described second account when using third party's business platform professional.
2. the method that use payment system according to claim 1 is deducted fees is characterized in that, the account request of drawing that receives the user also comprises before:
Receive the user and draw stroke account application that the bitch chain sending and receiving go out by on client end interface, clicking;
Send the affirmation request message according to described stroke of account application to described user, carry identifying code in the described affirmation request message;
Receive the return information of the described affirmation request message that described user returns, carry described identifying code in the described return information;
According to described identifying code described return information is carried out authentication.
3. the method for deducting fees according to right 1 or 2 described use payment systems, it is characterized in that, described stroke of account request also comprises the password of first account, describedly initiate described first account request of operating of deducting fees is comprised: to the budget request of described payment system mail sending charge per message to described payment system, comprise the password of first accounts information and first account in the described expense budget request and draw and to buckle the amount of money, according to the password of first accounts information and first account authentication is carried out in the expense budget request before so that described payment system carries out expense budget, judge whether the remaining sum in described first account detains the amount of money greater than described stroke; Receive described expense budget request responding message, carry remaining sum in first account in the described response message whether greater than the result of the described stroke of button amount of money; And, send the request of operating of deducting fees to described payment system when described remaining sum is detained remaining sum greater than described stroke.
4. a method of using payment system to deduct fees is characterized in that, comprising:
Receive the note of deducting fees that comprises deduct fees business information and stroke button amount of money and first accounts information that third party's business platform sends, wherein first account is the account of described user at payment system;
Initiate described first account request of operating of deducting fees to payment system according to the described stroke of button amount of money, the described request of operating of deducting fees comprises the described stroke of button amount of money and described first accounts information;
Described request by the situation of success response under, send the returning short message of the described note of deducting fees to described third party's business platform, so that third party's business platform is detained the amount of money to second account charging according to described stroke, make described user when using described third party's business platform professional, from second account, deduct corresponding cost; Described second account is the account of described user at described third party's business platform.
5. the method that use payment system according to claim 4 is deducted fees is characterized in that, also comprises to request of operating is deducted fees in the payment system initiation to described first account before according to the described stroke of button amount of money:
To the budget request of described payment system mail sending charge per message,, judge whether the remaining sum in described first account detains the amount of money greater than described stroke so that described payment system carries out expense budget;
Receive described expense budget request responding message, carry remaining sum in first account in the described response message whether greater than the result of the described stroke of button amount of money;
When described remaining sum is detained remaining sum greater than described stroke, send the request of operating of deducting fees to described payment system.
6. the method for deducting fees according to claim 4 or 5 described use payment systems is characterized in that, comprises the password of described first account in the described note of deducting fees;
Initiate described first account request of operating of deducting fees is comprised to payment system according to the described stroke of button amount of money:
To the budget request of described payment system mail sending charge per message, comprise the password of first accounts information and first account in the described expense budget request and draw and to buckle the amount of money, according to the password of first accounts information and first account authentication is carried out in the expense budget request before so that described payment system carries out expense budget, judge whether the remaining sum in described first account detains the amount of money greater than described stroke; Receive described expense budget request responding message, carry remaining sum in first account in the described response message whether greater than the result of the described stroke of button amount of money; And, send the request of operating of deducting fees to described payment system when described remaining sum is detained remaining sum greater than described stroke.
7. a business platform equipment is characterized in that, comprising:
The request receiver module is used to receive user's the account request of drawing, and comprises in the described stroke of account request and draws the button amount of money and first accounts information; Wherein first account is the account of described user at payment system;
Sending module, be used for sending the note of deducting fees by short message interface according to described stroke of account request, so that gateway device is after described payment system initiates described first account deducted fees request of operating, by payment system according to the described request of operating of deducting fees to the operation of deducting fees of first account; The described note of deducting fees comprises deduct fees business information and the described stroke button amount of money, first accounts information, comprises the described stroke of button amount of money, first accounts information in the described request of operating of deducting fees;
Supplement module with money, be used to receive the returning short message of the described note of deducting fees that gateway device sends, and according to the described stroke of button amount of money to second account charging; Described second account is the account of described user at third party's business platform, so that described user deducts corresponding cost from described second account when using third party's business platform professional.
8. business platform equipment according to claim 7 is characterized in that, also comprises:
The application receiver module is used to receive the user and draws stroke account application that the bitch chain sending and receiving go out by clicking on client end interface;
Confirm request module, be used for sending the affirmation request message to described user, carry identifying code in the described affirmation request message according to described stroke of account application;
Reply receiver module, be used to receive the return information of the described affirmation request message that described user returns, carry described identifying code in the described return information;
Authentication module is used for according to described identifying code described return information being carried out authentication.
9. according to claim 7 or 8 described business platform equipments, it is characterized in that, described stroke of account request also comprises the password of described first account, so that described gateway device is to the budget request of described payment system mail sending charge per message, comprise the password of first accounts information and first account in the described expense budget request and draw and to buckle the amount of money, according to the password of first accounts information and first account authentication is carried out in the expense budget request before so that described payment system carries out expense budget, judge whether the remaining sum in described first account detains the amount of money greater than described stroke; Receive described expense budget request responding message, carry remaining sum in first account in the described response message whether greater than the result of the described stroke of button amount of money; And, send the request of operating of deducting fees to described payment system when described remaining sum is detained remaining sum greater than described stroke.
10. a gateway device is characterized in that, comprising:
The note of deducting fees receiver module is used to receive the note of deducting fees that comprises deduct fees business information and stroke button amount of money and first accounts information that third party's business platform sends, and wherein first account is the account of described user at payment system;
The request module of deducting fees is used for initiating described first account request of operating of deducting fees to payment system according to the described stroke of button amount of money, and the described request of operating of deducting fees comprises the described stroke of button amount of money and described first accounts information;
The returning short message module, be used for described request by the situation of success response under, send the returning short message of the described note of deducting fees to described third party's business platform, so that third party's business platform is detained the amount of money to second account charging according to described stroke, make described user when using described third party's business platform professional, from second account, deduct corresponding cost; Described second account is the account of described user at described third party's business platform.
11. gateway device according to claim 10 is characterized in that, also comprises:
The budget request module is used for to the budget request of described payment system mail sending charge per message, so that described payment system carries out expense budget, judges whether the remaining sum in described first account detains the amount of money greater than described stroke;
Budget response receiver module is used to receive described expense budget request responding message, carries remaining sum in first account in the described response message whether greater than the result of the described stroke of button amount of money;
The described request module of deducting fees is used for sending the request of operating of deducting fees to described payment system when described remaining sum is detained remaining sum greater than described stroke.
12. according to claim 10 or 11 described gateway devices, it is characterized in that, comprise the password of described first account in the described note of deducting fees;
The described request module of deducting fees is used for to the budget request of described payment system mail sending charge per message, comprise the password of first accounts information and first account in the described expense budget request and draw and to buckle the amount of money, according to the password of first accounts information and first account authentication is carried out in the expense budget request before so that described payment system carries out expense budget, judge whether the remaining sum in described first account detains the amount of money greater than described stroke; Receive described expense budget request responding message, carry remaining sum in first account in the described response message whether greater than the result of the described stroke of button amount of money; And, send the request of operating of deducting fees to described payment system when described remaining sum is detained remaining sum greater than described stroke.
13. a system that uses payment system to deduct fees is characterized in that, comprises each described business platform equipment and each described gateway device of aforesaid right requirement 10-12 among the aforesaid right requirement 7-9.
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| CN2009102060665A CN102045664A (en) | 2009-10-20 | 2009-10-20 | Method for deducting fee by using prepayment system, service platform and gateway equipment |
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| CN2009102060665A CN102045664A (en) | 2009-10-20 | 2009-10-20 | Method for deducting fee by using prepayment system, service platform and gateway equipment |
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| CN105321073A (en) * | 2014-07-14 | 2016-02-10 | 中国移动通信集团广东有限公司 | Method for establishing relation between accounts, account management platform and system |
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| CN107135323A (en) * | 2017-07-04 | 2017-09-05 | 中国联合网络通信集团有限公司 | The processing method and system of prepayment service |
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| CN104469045B (en) * | 2014-12-18 | 2016-08-24 | 北京首信科技股份有限公司 | The system and method for defaulting subscriber's self-help charging in telecommunications 3G mobile network |
| CN107135323A (en) * | 2017-07-04 | 2017-09-05 | 中国联合网络通信集团有限公司 | The processing method and system of prepayment service |
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| CN107333249B (en) * | 2017-07-04 | 2019-11-26 | 中国联合网络通信集团有限公司 | Activating method, device, system and the user's background service system of prepayment service |
| CN108197921A (en) * | 2018-01-11 | 2018-06-22 | 青岛海尔智能家电科技有限公司 | The method and gas meter, flow meter supplemented with money for gas meter, flow meter, terminal, server |
| CN111192034A (en) * | 2019-11-19 | 2020-05-22 | 泰康保险集团股份有限公司 | Method and device for processing service request data |
| CN111192034B (en) * | 2019-11-19 | 2023-04-07 | 泰康保险集团股份有限公司 | Method and device for processing service request data |
| CN113643034A (en) * | 2020-04-27 | 2021-11-12 | 北京金山云网络技术有限公司 | Cash amount determining method and device, electronic equipment and readable storage medium |
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