CN102087771A - Payment system of digital household comprehensive business and payment method thereof - Google Patents
Payment system of digital household comprehensive business and payment method thereof Download PDFInfo
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- CN102087771A CN102087771A CN2010105948869A CN201010594886A CN102087771A CN 102087771 A CN102087771 A CN 102087771A CN 2010105948869 A CN2010105948869 A CN 2010105948869A CN 201010594886 A CN201010594886 A CN 201010594886A CN 102087771 A CN102087771 A CN 102087771A
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Abstract
The invention discloses a payment system of digital household comprehensive business and a payment method thereof, wherein the payment system comprises a control terminal system, a payment service system, an application service system, a safety server and a data server. Users first select business which needs to be transacted, and send a payment instruction to a terminal through a remote controller; the terminal encrypts, packages and sends instruction information to the payment service system; the payment service system verifies the legitimacy of information sent by the terminal and sends payment request information to the public payment platform of China UnionPay; the public payment platform of China UnionPay sends transaction information to an issuing bank to complete deduction; and the issuing bank sends information back to the public payment platform of China UnionPay after deduction, and the payment service system receives a fee-paying result provided by the system of a service provider and sends the fee-paying result back to the terminal. The invention realizes a finance payment channel centered on a digital television; and the payment system employs the binding of a certificate authority (CA) card and a business bank card to ensure the security and reliability of the system.
Description
Technical field
The invention belongs to the digital home network communications field, particularly relate to a kind of digital home integrated service payment system and method for payment.
Technical background
Digital home's industry development in recent years is very fast, propelling along with integration of three networks pilot, it is the center that each big city has been set up with the Digital Television, multi-service, digital home's applied environment of many network integrations, various value-added services have been derived simultaneously, such as VOD, online shopping, the Financial Information service, E-Government, long-distance education etc., in the face of various integrated services, still adopt at present traditional modes of payments, (to the customer requirements height, surf the Net, open bank card and Net silver service as e-Bank payment, safety inadequately, account number and password ratio are easier to obtain), mobile-phone payment (higher to user's acceptance/degree of recognition, payment cost is too high, inadequately safety) and phone-payment (need task equipment, higher to user's acceptance/degree of recognition), this modes of payments can not all brought many problems to the user on the degree.
Along with popularizing of Digital Television and broadband network, how under situation cheaply, make full use of existing software and hardware facilities and realize more function, user-friendly use is the urgent at present problem that solves.Foundation is the family finance modes of payments at center with the Digital Television, the line correlation research of some digital TV set-top box producers, and it is ripe that is that all right, also do not form a kind of integrated service payment system at digital home at present.
Summary of the invention
The objective of the invention is to overcome the deficiencies in the prior art, proposed a kind of digital home integrated service payment system, setting up with the Digital Television is the financial payment pattern at center.
Another object of the present invention provides a kind of digital home integrated service method of payment.
In order to realize goal of the invention one, the technical scheme of employing is as follows:
A kind of digital home integrated service payment system comprises control terminal system, payment services system, application service system, security server and data server.
Described control terminal system comprises telepilot, intellective IC card, swipe card reader and digital TV set-top box, intellective IC card is connected with digital TV set-top box by the card-reading terminal of swiping the card, intellective IC card is that CA card and bank card joint name card, CA card are bound bank card, and swipe card reader is embedded in the digital TV set-top box.
The payment services system is connected with the control terminal system, comprises payment gateway, paying server and three system components of security server, and each assembly can be by one or multiple servers operation.Payment gateway is responsible for setting up the payment connection of payment services system to Unionpay, finishes the PayPal telecommunications services of telepilot to system.Paying server receives the Payment Request that telepilot sends, and according to the particular content of Payment Request, submits to Unionpay's public payment platform and handle, and payment processes notifies telepilot to turn back to application service system result after finishing.
Described application service system is connected with the control terminal system, comprises application gateway, application server and three system components of security server, and each assembly can be made of one or multiple servers.Application gateway is responsible for setting up the application connection of payment services system to digital television system, finishes the application communication service of digital television system to the payment services system.Application server is provided with the interface that is complementary with various service provider system, be responsible for the payment services system application management, control and finish transaction flow, the content and the flow process that obtain to use from the service provider, application content and client operation flow process are sent to digital television system as the electronic programming content, after receiving the sequence information of digital television system, payment information given the payment services system, wait for the payment processes result of payment services system, and this result is sent back to the service provider.
Data server is concentrated transaction data storage and the access control of being responsible for total system by one or multiple servers operation, data management is provided and excavates service to application server simultaneously.
Described security server is responsible for controlling the application of payment services system and communicating by letter and transaction security of payment, reaches key management, authentication and encryption and decryption work to payment and application communication.
In order to realize goal of the invention two, the technical scheme of employing is as follows:
A kind of digital home integrated service method of payment mainly may further comprise the steps:
(1) user carries out the business information selection, need to select the business of transaction, checks payment, finishes the transmission of payment instruction to terminal by telepilot;
(2) terminal is encrypted packing with command information and is sent to the payment services system;
(3) send payment request information to Unionpay's public payment platform, after the information that the payment services system sends up terminal is carried out the legitimacy verification, Transaction Information is sent payment request information to Unionpay's public payment platform;
(4) Unionpay's public payment platform sends credit card issuer with Transaction Information and finishes and withhold;
(5) credit card issuer is finished the back return message of withholing and is given Unionpay's public payment platform;
(6) judge whether the service provider inserts Unionpay's public payment platform: after Unionpay's public payment platform is received the credit card issuer successful information, judge whether the service provider inserts Unionpay's public payment platform;
(7) if the service provider inserts Unionpay's public payment platform, then changeed for (9) step, otherwise the payment services system initiates payment transaction to service provider's system;
(8) the service provider system returns payment result and gives the payment services system;
(9) payment services system receives the service provider system object information of paying the fees, and again information is returned to terminal;
(10) terminal shows transaction results information.
The invention has the advantages that the domestic consumer is when seeing TV, can select various application services easily and efficiently, and finish payment by digital television, be after ATM, telephone bank and Web bank, realize the fourth-largest financial channel of financial payment in the Digital Television mode, system has adopted the binding of CA card and commercial bank's card, guarantees the security of system.System reliability with powerful processing power, tight security control system and finance level.
Description of drawings
Fig. 1 is the structural drawing of a kind of digital home of the present invention integrated service payment system;
Fig. 2 is the structural drawing of control terminal of the present invention system;
Fig. 3 is the structural drawing of payment services of the present invention system;
Fig. 4 is the structural drawing of application service system of the present invention;
Fig. 5 is a kind of digital home of the present invention integrated service method of payment process flow diagram.
Embodiment
The present invention is described further below in conjunction with accompanying drawing.
A kind of digital family network appliance control system of the present invention structural drawing as shown in Figure 1, a kind of digital home integrated service payment system comprises control terminal system, payment services system, application service system, security server and data server.
The control terminal system as shown in Figure 2, comprise telepilot, intellective IC card, swipe card reader and digital TV set-top box, intellective IC card is connected with digital TV set-top box by the card-reading terminal of swiping the card, intellective IC card is that CA card and bank card joint name card, CA card are bound bank card, and swipe card reader is embedded in the digital TV set-top box.Telepilot is finished the function of common set-top box remote controller, comprise browse, select, control etc. is multiple and the mutual function of top box of digital machine.Basic distant control functions such as keyboard I/O and infrared communication have also been comprised in this module.Intelligent IC and set-top box are carried out information interaction, finish professional on-line payment.
The payment services system comprises payment gateway, paying server and three system components of security server as shown in Figure 3.Payment gateway is responsible for setting up the payment connection of payment services system to Unionpay, finishes the PayPal telecommunications services of telepilot to system.Paying server receives the Payment Request that telepilot sends, and according to the particular content of Payment Request, submits to Unionpay's public payment platform and handle, and payment processes notifies telepilot to turn back to application service system result after finishing.
Application service system comprises application gateway, application server and three system components of security server as shown in Figure 4, and each assembly can be made of one or multiple servers.Application gateway is responsible for setting up the application connection of payment services system to digital television system, finishes the application communication service of digital television system to the payment services system.Application server is provided with the interface that is complementary with various service provider system, be responsible for the payment services system application management, control and finish transaction flow, the content and the flow process that obtain to use from the service provider, application content and client operation flow process are sent to digital television system as the electronic programming content, after receiving the sequence information of digital television system, payment information given the payment services system, wait for the payment processes result of payment services system, and this result is sent back to the service provider.
Fig. 5 is a kind of digital home of the present invention integrated service method of payment process flow diagram, mainly may further comprise the steps:
(1) user carries out the business information selection, need to select the business of transaction, checks payment, finishes the transmission of payment instruction to terminal by telepilot;
(2) terminal will instruct the total encryption packing of letter to send to the payment services system;
(3) send payment request information to Unionpay's public payment platform, after the information that the payment services system sends up terminal is carried out the legitimacy verification, Transaction Information is sent payment request information to Unionpay's public payment platform;
(4) Unionpay's public payment platform total credit card issuer that sends of letter of will concluding the business is finished and is withholdd;
(5) credit card issuer is finished the back return message of withholing and is given Unionpay's public payment platform;
(6) judge whether the service provider inserts Unionpay's public payment platform: after Unionpay's public payment platform is received the credit card issuer successful information, judge whether the service provider inserts Unionpay's public payment platform;
(7) if the service provider inserts Unionpay's public payment platform, then changeed for (9) step, otherwise the payment services system initiates payment transaction to service provider's system;
(8) the service provider system returns payment result and gives the payment services system;
(9) payment services system receives the service provider system object information of paying the fees, and again information is returned to terminal;
(10) terminal shows transaction results information.
Claims (8)
1. digital home's integrated service payment system is characterized in that comprising control terminal system, payment services system, application service system, security server and data server.
2. a kind of digital home according to claim 1 integrated service payment system, it is characterized in that described control terminal system comprises telepilot, intellective IC card, swipe card reader and digital TV set-top box, intellective IC card is connected with digital TV set-top box by swipe card reader, and swipe card reader is embedded in the digital TV set-top box.
3. a kind of digital home according to claim 2 integrated service payment system is characterized in that described intellective IC card is CA card and bank card joint name card or CA card binding bank card.
4. a kind of digital home according to claim 1 integrated service payment system, it is characterized in that described payment services system is connected with the control terminal system, comprise payment gateway, paying server and three system components of security server, each assembly can be by one or multiple servers operation.
5. a kind of digital home according to claim 1 integrated service payment system, it is characterized in that described paying server receives the Payment Request that telepilot sends, and according to the particular content of Payment Request, submitting to Unionpay's public payment platform handles, payment processes notifies telepilot to turn back to application service system result after finishing.
6. a kind of digital home according to claim 1 integrated service payment system, it is characterized in that described application service system is connected with the control terminal system, comprise application gateway, application server and three system components of security server, each assembly can be made of one or multiple servers.
7. a kind of digital home according to claim 1 integrated service payment system is characterized in that described application server is provided with the interface that is complementary with various service provider system.
8. digital home's integrated service method of payment is characterized in that may further comprise the steps:
(1) user carries out the business information selection, need to select the business of transaction, checks payment, finishes the transmission of payment instruction to terminal by telepilot;
(2) terminal is encrypted packing with command information and is sent to the payment services system;
(3) send payment request information to Unionpay's public payment platform, after the information that the payment services system sends up terminal is carried out the legitimacy verification, Transaction Information is sent payment request information to Unionpay's public payment platform;
(4) Unionpay's public payment platform sends credit card issuer with Transaction Information and finishes and withhold;
(5) credit card issuer is finished the back return message of withholing and is given Unionpay's public payment platform;
(6) judge whether the service provider inserts Unionpay's public payment platform: after Unionpay's public payment platform is received the credit card issuer successful information, judge whether the service provider inserts Unionpay's public payment platform;
(7) if the service provider inserts Unionpay's public payment platform, then changeed for (9) step, otherwise the payment services system initiates payment transaction to service provider's system;
(8) the service provider system returns payment result and gives the payment services system;
(9) payment services system receives the service provider system object information of paying the fees, and again information is returned to terminal;
(10) terminal shows transaction results information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010105948869A CN102087771A (en) | 2010-12-17 | 2010-12-17 | Payment system of digital household comprehensive business and payment method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010105948869A CN102087771A (en) | 2010-12-17 | 2010-12-17 | Payment system of digital household comprehensive business and payment method thereof |
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| Publication Number | Publication Date |
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| CN102087771A true CN102087771A (en) | 2011-06-08 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2010105948869A Pending CN102087771A (en) | 2010-12-17 | 2010-12-17 | Payment system of digital household comprehensive business and payment method thereof |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102905169A (en) * | 2012-09-14 | 2013-01-30 | 四川长虹电器股份有限公司 | Television payment method |
| CN103280038A (en) * | 2013-05-10 | 2013-09-04 | 江苏怡丰通信设备有限公司 | Financial payment system based on family gateway and payment method thereof |
| CN104376454A (en) * | 2014-11-13 | 2015-02-25 | 青岛龙泰天翔通信科技有限公司 | Digital family integrated service payment system and method |
| CN106022773A (en) * | 2016-05-27 | 2016-10-12 | 广州羊城通有限公司 | Method of binding IC card and bank card together |
| CN114554298A (en) * | 2022-02-23 | 2022-05-27 | 贵州多彩宝互联网服务有限公司 | Household affair handling system and method based on smart television |
-
2010
- 2010-12-17 CN CN2010105948869A patent/CN102087771A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102905169A (en) * | 2012-09-14 | 2013-01-30 | 四川长虹电器股份有限公司 | Television payment method |
| CN103280038A (en) * | 2013-05-10 | 2013-09-04 | 江苏怡丰通信设备有限公司 | Financial payment system based on family gateway and payment method thereof |
| CN104376454A (en) * | 2014-11-13 | 2015-02-25 | 青岛龙泰天翔通信科技有限公司 | Digital family integrated service payment system and method |
| CN106022773A (en) * | 2016-05-27 | 2016-10-12 | 广州羊城通有限公司 | Method of binding IC card and bank card together |
| CN114554298A (en) * | 2022-02-23 | 2022-05-27 | 贵州多彩宝互联网服务有限公司 | Household affair handling system and method based on smart television |
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Application publication date: 20110608 |