CN102254263A - System and method capable of supporting on-line interaction and used for remotely paying subscriber identity module (SIM) card tool kit (STK) - Google Patents
System and method capable of supporting on-line interaction and used for remotely paying subscriber identity module (SIM) card tool kit (STK) Download PDFInfo
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- CN102254263A CN102254263A CN2011102330642A CN201110233064A CN102254263A CN 102254263 A CN102254263 A CN 102254263A CN 2011102330642 A CN2011102330642 A CN 2011102330642A CN 201110233064 A CN201110233064 A CN 201110233064A CN 102254263 A CN102254263 A CN 102254263A
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Abstract
The invention discloses a system and a method capable of supporting on-line interaction and used for remotely paying a subscriber identity module (SIM) card tool kit (STK). The system comprises a downloading platform (2), a payment platform (3), an authentication center (4), a short message gateway (6) and a short message center (7). The system is characterized in that: the short message center (7) is connected with the short message gateway (6); the short message gateway (6) is connected with the downloading platform (2) and the payment platform (3) respectively; and the downloading platform (2) and the payment platform (3) are respectively connected with the authentication center (4). The invention has the advantages that: an operator can timely provide the latest payment service without correction of an STK card program; and the personalized experience of a subscriber is improved.
Description
Technical field
The present invention relates to correlation techniques such as air download OTA (full name Over-the-Air), STK (full name SIMCardToolKit) remote payment, specifically a kind of STK remote payment system and method for supporting online interaction.
Background technology
The STK card is based on the Simera32K card of Java language platform.STK is a kind of software of small-sized programming language, can be solidificated in the SIM card.The short message data that it could receive and send GSM plays the effect of the interface between SIM card and the short message, and it also allows the application software of SIM card operation oneself simultaneously.These functions are often used on can the phone display by software activation, replace " dialling-listen to-reply " mode of machinery with friendly text menu, thereby allow the user easily to carry out complicated information retrieval operation or transaction by button.This technology can make SIM card have the respective services that big memory capacity and built-in operator provide.
STK remote payment system commonly used at present, the modes that adopt STK card production firm's customized menus and custom service logic more, the user selects the menu of STK fixingization on mobile phone, the STK card is according to fixing service logic control user input, after user's input is finished, the STK card sends Payment Request to payment platform, payment platform processings of paying, and return payment result to the user.
In above whole payment process, the menu of STK card and service logic customize during all by card production firm hair fastener, like this, both be unfavorable for the user demand of user individual, also be unfavorable for the upgrading and the transformation of payment system, make that the STK remote payment is difficult to further promote aspect mobile phone value-added service,, the invention provides a kind of STK remote payment system of supporting online interaction in order to open this situation.
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Summary of the invention
The objective of the invention is defective at prior art, provide a kind of dynamically, a kind of STK remote payment system and method for supporting online interaction efficiently, satisfied the payment demand of service variation, personalized function.The gordian technique that the present invention downloads adopts ripe data SMS packing manner air download technology.The STK card should provide basic payment transaction to upgrade menu at least, management platform issue payment transaction, and the user opens an account in management platform.
The objective of the invention is to solve by the following technical programs:
A kind of STK remote payment system of supporting online interaction, comprise download platform, payment platform, AUC, Short Message Service Gateway and sms center, it is characterized in that sms center links to each other with Short Message Service Gateway, Short Message Service Gateway links to each other with payment platform with download platform respectively, and download platform links to each other with AUC respectively with payment platform.
Download platform of the present invention links to each other with the enciphering/deciphering interface message processor (IMP) respectively with payment platform.
Download platform of the present invention, payment platform and AUC link to each other with database respectively, and database links to each other with management platform.
A kind of STK remote payment method of supporting online interaction comprises payment transaction method for down loading, dynamic data method for down loading and payment transaction method:
The payment transaction method for down loading may further comprise the steps:
(a) user mobile phone sends payment transaction and downloads request to sms center;
(b) sms center sends service downloading request note to Short Message Service Gateway;
(c) Short Message Service Gateway sends this service downloading request note to download platform;
(d) after download platform is received note, carry out authentication process to AUC, obtain this user property according to phone number;
(f) download platform judges it is professional update request, gives birth to new payment transaction according to user property,
(h) download platform sends to Short Message Service Gateway with new payment transaction information;
(i) Short Message Service Gateway sends note to sms center;
(j) sms center sends note to user mobile phone.
The dynamic data method for down loading may further comprise the steps:
(a) user mobile phone sends dynamic data and downloads request to sms center;
(b) sms center sends this data download request note to Short Message Service Gateway;
(c) Short Message Service Gateway sends data download request note to download platform;
(d) after download platform is received note, carry out authentication process to AUC, obtain this user property according to phone number;
(f) download platform judges it is the dynamic data download request, generates dynamic data according to user property;
(h) download platform sends to Short Message Service Gateway with dynamic data information;
(i) Short Message Service Gateway sends note to sms center;
(j) sms center sends note to user mobile phone.
The payment transaction method may further comprise the steps:
(a) user mobile phone sends the order Payment Request to sms center;
(b) sms center sends the Payment Request note to Short Message Service Gateway;
(c) Short Message Service Gateway sends the Payment Request note to payment platform;
(d) after payment platform is received note, carry out authentication process to AUC, obtain this user property according to phone number;
(f) payment platform judges it is the order Payment Request, according to sequence information deduction customer charge, and notice SP trade company, and upgrade order status for paying;
(g) issuing as a result with the plaintext way of short messages, note arrives Short Message Service Gateway;
(h) Short Message Service Gateway sends note to sms center;
(i) sms center sends note to mobile phone.
Among the present invention, the payment transaction update request that sends when user mobile phone is when the note of STK card group packet encryption, in described payment transaction method for down loading, have step (e) between step (d), (f): promptly download platform will be asked note to send to the enciphering/deciphering interface message processor (IMP) and will be decrypted and unpack processing.
During the note of download platform transmission group packet encryption of the present invention, in described payment transaction method for down loading, have step (g) between step (f), (h): promptly download platform sends to the enciphering/deciphering interface message processor (IMP) with new payment transaction information and packages and encryption.
Among the present invention, the dynamic data download request that sends when user mobile phone is when the note of STK card group packet encryption, in described dynamic data method for down loading, have step (e) between step (d), (f): promptly download platform will be asked note to send to the enciphering/deciphering interface message processor (IMP) and will be decrypted and unpack processing.
Among the present invention, during the note of download platform transmission group packet encryption, in described dynamic data method for down loading, have step (g) between step (f), (h): download platform sends to the enciphering/deciphering interface message processor (IMP) with dynamic data information and packages and encryption.
Among the present invention, the order Payment Request that sends when user mobile phone is when the note of STK card group packet encryption, in described payment transaction method, have step (e) between (d) of step, (f): payment platform will be asked note to send to the enciphering/deciphering interface message processor (IMP) and will be decrypted and unpack processing.
The invention has the beneficial effects as follows:
The present invention has following advantage compared to existing technology: operator can release up-to-date, the most practical payment transaction to the user in the shortest time, and needn't revise STK card program; Give the ability that user individual uses, the user not only can upgrade the payment transaction on the STK card as required, and can be according to service needed dynamic download online data, the user is experienced personalizedly must pay experience.
Description of drawings
Accompanying drawing 1 is the structural representation of payment system among the present invention.
Accompanying drawing 2 is theory diagrams of payment system among the present invention.
Accompanying drawing 3 is that payment transaction of the present invention is downloaded process flow diagram.
Accompanying drawing 4 is that dynamic data of the present invention is downloaded process flow diagram.
Accompanying drawing 5 is payment transaction process flow diagrams of the present invention.
Embodiment
The present invention is further illustrated below in conjunction with accompanying drawing and embodiment.
A kind of STK remote payment system of supporting online interaction comprises management platform 1, download platform 2, payment platform 3, AUC 4, database 5, Short Message Service Gateway 6, sms center 7, enciphering/deciphering interface 8.Described sms center 7 links to each other with Short Message Service Gateway 6, Short Message Service Gateway 6 links to each other with payment platform 3 with download platform 2 respectively, download platform 2 links to each other with AUC 4, database 5 and enciphering/deciphering interface message processor (IMP) 8 respectively with payment platform 3, AUC 4 links to each other with database 5, and database 5 links to each other with management platform 1.
Data manage in 1 pair of database of described management platform, comprise service management, user management, account management, Transaction Inquiries and report form statistics module.Operations such as the service management module is finished professional issue, stopped using, recovery, deletion; Operations such as user management module is finished the opening an account of user, stopped using, recovery, cancellation; Account management module is finished opening an account, stop using, recover, report the loss, separate extension, locking, release, cancellation, operation such as supplementing with money of account; Log management module is finished the query manipulation of various daily records.The report form statistics module is finished various forms and statistical operation.
Described download platform 2 comprises payment transaction and downloads and the dynamic data download module.The payment transaction download module is finished the download flow process of payment transaction; The dynamic data download module is finished the download flow process of dynamic data.
Described payment platform 3 comprises deducts fees and writes off module.The module of deducting fees is finished fee deduction treatment; The module that writes off is finished the processing that writes off.
Described AUC 4 is responsible for subscription authentication and handles.
The related data of described database 5 record payment systems.
Described Short Message Service Gateway 6 and sms center 7 download for data and remote payment provides data channel.
Described enciphering/deciphering interface message processor (IMP) 8 comprises group packet encryption and deciphering parse module.The data that group packet encryption module is responsible for download platform is issued package and encryption; The deciphering parse module is responsible for the request that download platform and payment platform receive is decrypted and unpacks processing.
As shown in Figure 3:
The flow process that described payment transaction is downloaded is as follows: the user selects payment transaction to upgrade menu on mobile phone; The STK card sends the payment transaction update request to sms center 7; Sms center 7 sends note to Short Message Service Gateway 6; Short Message Service Gateway 6 sends note to download platform 2; Download platform 2 is carried out authentication process according to phone number to AUC 4 after receiving note, obtain this user property; If what download platform 2 received is the note of group packet encryption, then will asks note to send to Jia deciphering interface message processor (IMP) 8 and be decrypted and unpack processing; Download platform 2 judges it is professional update request, then generates new payment transaction according to user property; If need the information of transmission group packet encryption, download platform 2 sends to enciphering/deciphering interface message processor (IMP) 8 with information and packages and encryption; Download platform 2 sends note to Short Message Service Gateway 6; Short Message Service Gateway sends note to sms center 7; Sms center 7 sends note to mobile phone STK card; After the STK card is received note, be decrypted and unpack processing; After handling successfully, show new payment transaction menu; The STK card continues input according to service logic control user.
As shown in Figure 4:
It is as follows that described dynamic data is downloaded flow process:
The user selects order delivery operation menu on mobile phone; The STK card is judged the information list that needs explicit user according to order payment transaction logic, and sms center 7 is arrived in the dynamic data request; Sms center 7 sends note to Short Message Service Gateway 6; Short Message Service Gateway sends note to download platform 2; After download platform 2 is received note, carry out authentication process to AUC 4, obtain this user property according to phone number; If what download platform 2 received is the note of group packet encryption, then will asks note to send to Jia deciphering interface message processor (IMP) 8 and be decrypted and unpack processing; Download platform 2 judges it is that dynamic data is downloaded, and then generates data download according to user property.If need the information of transmission group packet encryption, download platform 2 sends to enciphering/deciphering interface message processor (IMP) 8 with information and packages and encryption; Download platform 2 sends note to Short Message Service Gateway 6; Short Message Service Gateway sends note to sms center 7; Sms center sends note to mobile phone STK card; After the STK card is received note, resolve deciphering and unpack processing; After handling successfully, the explicit user order list; The STK card continues input according to service logic control user.
As shown in Figure 5:
Described payment flow is as follows:
Payment and input payment cipher are confirmed in the prompting of STK card; The user imports payment cipher; STK sends the order Payment Request to note to sms center 7; Sms center 7 sends note to Short Message Service Gateway 6; Short Message Service Gateway 6 sends note to payment platform 3; After payment platform 3 is received note, carry out authentication process to AUC 4, obtain this user property according to phone number; If what payment platform 3 received is the note of group packet encryption, then will asks note to send to Jia deciphering interface message processor (IMP) 8 and be decrypted and unpack processing; Payment platform 3 will be asked note to send to enciphering/deciphering interface message processor (IMP) 8 and will be decrypted and unpack processing; After handling successfully, payment platform 3 judges it is the order Payment Request, according to sequence information deduction customer charge, and notice SP trade company, and upgrade order status for paying; Issuing as a result with the plaintext way of short messages, note arrives Short Message Service Gateway 6; Short Message Service Gateway 6 sends note to sms center 7; Sms center 7 sends note to mobile phone.
The technology that the present invention does not relate to all can be realized by prior art.
Claims (9)
1. STK remote payment system of supporting online interaction, comprise download platform (2), payment platform (3), AUC (4), Short Message Service Gateway (6) and sms center (7), it is characterized in that sms center (7) links to each other with Short Message Service Gateway (6), Short Message Service Gateway (6) links to each other with payment platform (3) with download platform (2) respectively, and download platform (2) links to each other with AUC (4) respectively with payment platform (3).
2. the STK remote payment system of support online interaction according to claim 1 is characterized in that described download platform (2) links to each other with enciphering/deciphering interface message processor (IMP) (8) respectively with payment platform (3).
3. the STK remote payment system of support online interaction according to claim 1, it is characterized in that described download platform (2), payment platform (3) and AUC (4) link to each other with database (5) respectively, database (5) links to each other with management platform (1).
4. STK remote payment method of supporting online interaction, application rights requires the STK remote payment system of 1 described support online interaction, and its feature comprises payment transaction method for down loading, dynamic data method for down loading and payment transaction method:
The payment transaction method for down loading may further comprise the steps:
(a) user mobile phone sends payment transaction and downloads request to sms center (7);
(b) sms center (7) sends service downloading request note to Short Message Service Gateway (6);
(c) Short Message Service Gateway (6) sends this service downloading request note to download platform (2);
(d) after download platform (2) is received note, carry out authentication process to AUC (4), obtain this user property according to phone number;
(f) download platform (2) judges it is professional update request, gives birth to new payment transaction according to user property,
(h) download platform (2) sends to Short Message Service Gateway (6) with new payment transaction information;
(i) Short Message Service Gateway sends note to sms center (7);
(j) sms center (7) sends note to user mobile phone;
The dynamic data method for down loading may further comprise the steps:
(a) user mobile phone sends dynamic data and downloads request to sms center (7);
(b) sms center (7) sends this data download request note to Short Message Service Gateway (6);
(c) Short Message Service Gateway (6) sends data download request note to download platform (2);
(d) after download platform (2) is received note, carry out authentication process to AUC (4), obtain this user property according to phone number;
(f) download platform (2) judges it is the dynamic data download request, generates dynamic data according to user property;
(h) download platform (2) sends to Short Message Service Gateway (6) with dynamic data information;
(i) Short Message Service Gateway sends note to sms center (7);
(j) sms center (7) sends note to user mobile phone;
The payment transaction method may further comprise the steps:
(a) user mobile phone sends the order Payment Request to sms center (7);
(b) sms center (7) sends the Payment Request note to Short Message Service Gateway (6);
(c) Short Message Service Gateway (6) sends the Payment Request note to payment platform (3);
(d) after payment platform (3) is received note, carry out authentication process to AUC (4), obtain this user property according to phone number;
(f) payment platform (3) judges it is the order Payment Request, according to sequence information deduction customer charge, and notice SP trade company, and upgrade order status for paying;
(g) issuing as a result with the plaintext way of short messages, note arrives Short Message Service Gateway (6);
(h) Short Message Service Gateway sends note to sms center (7);
(i) sms center (7) sends note to mobile phone.
5. the STK remote payment method of support online interaction according to claim 4, it is characterized in that when payment transaction update request that user mobile phone sends is note through STK card group packet encryption, in described payment transaction method for down loading, have step (e) between step (d), (f): promptly download platform (2) will be asked note to send to enciphering/deciphering interface message processor (IMP) (8) and will be decrypted and unpack processing.
6. the STK remote payment method of support online interaction according to claim 4, when it is characterized in that the note of download platform (2) transmission group packet encryption, in described payment transaction method for down loading, have step (g) between step (f), (h): promptly download platform (2) sends to enciphering/deciphering interface message processor (IMP) (8) with new payment transaction information and packages and encryption.
7. the STK remote payment method of support online interaction according to claim 4, it is characterized in that when dynamic data download request that user mobile phone sends is note through STK card group packet encryption, in described dynamic data method for down loading, have step (e) between step (d), (f): promptly download platform (2) will be asked note to send to enciphering/deciphering interface message processor (IMP) (8) and will be decrypted and unpack processing.
8. the STK remote payment method of support online interaction according to claim 4, when it is characterized in that the note of download platform (2) transmission group packet encryption, in described dynamic data method for down loading, have step (g) between step (f), (h): download platform sends to enciphering/deciphering interface message processor (IMP) (8) with dynamic data information and packages and encryption.
9. the STK remote payment method of support online interaction according to claim 4, it is characterized in that when order Payment Request that user mobile phone sends is note through STK card group packet encryption, in described payment transaction method, have step (e) between (d) of step, (f): payment platform (3) will be asked note to send to enciphering/deciphering interface message processor (IMP) (8) and will be decrypted and unpack processing.
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| CN2011102330642A CN102254263A (en) | 2011-08-15 | 2011-08-15 | System and method capable of supporting on-line interaction and used for remotely paying subscriber identity module (SIM) card tool kit (STK) |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2011102330642A CN102254263A (en) | 2011-08-15 | 2011-08-15 | System and method capable of supporting on-line interaction and used for remotely paying subscriber identity module (SIM) card tool kit (STK) |
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| CN1491054A (en) * | 2003-08-25 | 2004-04-21 | Method and system for realizing security data transmission in non-structured compensating data business | |
| CN101500224A (en) * | 2008-01-31 | 2009-08-05 | 中国移动通信集团公司 | Multi-application management server for telecommunication smart card, multi-application management method and system |
| CN201667721U (en) * | 2009-12-01 | 2010-12-08 | 上海龙健信息技术科技有限公司 | Mobile phone service menu management device |
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- 2011-08-15 CN CN2011102330642A patent/CN102254263A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1491054A (en) * | 2003-08-25 | 2004-04-21 | Method and system for realizing security data transmission in non-structured compensating data business | |
| CN101500224A (en) * | 2008-01-31 | 2009-08-05 | 中国移动通信集团公司 | Multi-application management server for telecommunication smart card, multi-application management method and system |
| CN201667721U (en) * | 2009-12-01 | 2010-12-08 | 上海龙健信息技术科技有限公司 | Mobile phone service menu management device |
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Application publication date: 20111123 |