CN103108223A - Electronic payment method and system for interactive television - Google Patents
Electronic payment method and system for interactive television Download PDFInfo
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- CN103108223A CN103108223A CN201110355850XA CN201110355850A CN103108223A CN 103108223 A CN103108223 A CN 103108223A CN 201110355850X A CN201110355850X A CN 201110355850XA CN 201110355850 A CN201110355850 A CN 201110355850A CN 103108223 A CN103108223 A CN 103108223A
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Abstract
The invention discloses an electronic payment method and a system for an interactive television. The system is used for solving the problem that a user cannot input conveniently when a television terminal is adopted to implement the electronic payment. The system comprises an interactive television terminal, a service billing system, a payment system and a mobile phone terminal. The interactive television terminal is used for sending a bound payment account, modifying a payment amount, inputting the payment account, a password, and a mobile phone verification code, and the terminal has a unique identification. The service billing system is used for recording a binding relationship of the interactive television terminal and the payment account, generating a bill according to the consumption of the user and sending a payment request to the payment system. The payment system is used for handling a binding request of the interactive television terminal and the payment account, modifying a payment amount request, prompting the user to input the payment account and the password, or sending the verification code through a mobile phone short message to verify the user identity, and handling the payment request sent by the service billing system. The mobile phone terminal is bound with the payment account and is used for receiving the verification code sent by the payment system. The electronic payment method and the system for the interactive television are capable of guaranteeing safe payment and reducing user input.
Description
Technical field
The present invention relates to the payment and settlement technology, be specifically related to a kind of interactive TV electric paying method and system.
Background technology
As China's cable TV network that has global maximum customer group, through the construction of more than 20 years and development, have comparatively complete networks at different levels, the Digital CATV Integrated conversion has been completed in a plurality of cities, provide digital content services to become a reality, also provide solid foundation and wide industry development space for carrying out the TV service business.Along with the fast development of TV interactive service, will very high requirement have been proposed to the TV Electronic Payment Problems, how can facilitate, to provide the means of payment of content service to become the huge challenge that customer experience is trusted and improved to a Win Clients to the user efficiently.
Traditional means of payment a kind of service provider of being oneself exploitation, provides the means of payment and means for the user, and this mode has improved the cost of exploitation, operation, and is difficult to the trust of very first time acquisition customer group; Another mode is to utilize the payment system of trusted third party to provide means of payment to the user, this mode avoided controlling oneself exploitation, safeguard the cost of the means of payment, can utilize simultaneously customer group and the credit advantage of trusted third party, but, existing method of payment is all Internet user or cellphone subscriber, be confined to loaded down with trivial details user's delivery operation, particularly in the face of the interactive TV business payment of small-amount, operate frequently to the interactive TV user and be with a lot of inconvenience.
China CN101441747A patent discloses a kind of method of safely replacing bank POS machine, in this method, mobile phone by the holder sends transaction request to third party's payment platform, after receiving the trading password of third party's delivery platform transmission, complete the allocation of the funds according to payment cipher by payee's the network terminal on third party's payment platform.China's CN101604427 patent discloses a kind of data processing method and system thereof, transaction processing system, third-party payment system, in this method, receives the buyer by the buyer accounts information of mobile terminal with wireless way for transmitting; Obtain Transaction Information and seller's accounts information from transaction terminal, send transaction request to third party's payment platform, comprise described buyer's accounts information, seller's accounts information and Transaction Information in described transaction request, receive the transaction results information that described third party's payment platform returns.And top dual mode uses in interactive TV and inconvenience.
The input of interactive TV is by remote controller, and is not convenient, and this remote controller input mode is given to pay by mails and proposed Secretary.Therefore, payment needs a kind of new electric paying method for TV, and this method makes the user obtain higher service experience in the situation that assurance safety can also solve the inconvenience that the user inputs.
Summary of the invention
The technical problem to be solved in the present invention is in the situation that guarantee safety, to reduce the input number of times of user when using E-Payment.
For solving the problems of the technologies described above, the present invention proposes a kind of interactive TV electronic fare payment system, and this system is used for solving the problem of the inconvenience of user's input when adopting television terminal to pay by mails, and described system comprises:
Interactive television terminals is used for sending the binding payment accounts, revises the payment amount, input payment accounts, password and mobile phone identifying code, and this terminal has unique sign;
Service billing system records the binding relationship of described interactive television terminals and payment accounts, and generates bill according to customer consumption, initiates the payment request to payment system;
Payment system, pay the amount request for the treatment of described interactive television terminals and payment accounts bind request, modification, and point out the user input payment accounts, password or send identifying code with identifying user identity by SMS, and process the payment request that described service billing system sends; With
The mobile phone terminal of payment accounts binding is used for receiving the identifying code that described payment system sends.
In technique scheme, when the payment of described payment request did not surpass default payment amount, described payment system was directly deducted fees; When surpassing default payment amount, described payment system also is provided with prompt facility, is used for the user and carries out payment affirmation.
Described payment system also is provided with the function of prompting binding, is used for when this bind request is received by this system, and the prompting user confirms binding, and after confirming that binding is verified, described bind request just comes into force.
Described payment system is received when revising the request of payment amount, at first points out the user to confirm to revise, and after the user confirmed to revise, the request of described modification payment amount just came into force.
Also provide a kind of interactive TV electric paying method based on said system the present invention, when the method adopts television terminal to pay by mails for solution, the user inputs the problem of inconvenience, and described method comprises:
1) at first interactive television terminals and user's payment accounts are bound, payment system arranges acquiescence payment amount;
2) when customer consumption, service billing system generates bill, initiates the payment request to payment system;
When 3) payment system is received the payment request of service billing system, will judge whether payment surpasses default payment amount, if do not surpass, payment system is directly carried out delivery operation, if surpass, payment system just points out the user to carry out payment affirmation;
Wherein, described payment amount is carried out dynamic setting according to payment.
Optimize, when described payment system is received bind request, will at first point out the user to confirm binding, after the user confirmed binding, described bind request just came into force.
Described payment system is received when revising the request of payment amount, will at first point out the user to confirm to revise, and after the user confirmed to revise, the request of described modification payment amount just came into force.Described payment system can be to the sending short message by mobile phone identifying code of account binding.
A kind of interactive TV electric paying method provided by the invention in sum, difference and other TV method of payment: the interactive television terminals sign is bound with user's payment accounts, when payment system is received this bind request, to point out the user to confirm binding, after only having the user to confirm binding, binding just comes into force.This binding relationship can be the relation of multi-to-multi, and namely a plurality of terminals can be tied to same payment accounts, and a plurality of accounts can be tied to a terminal.After binding, payment system will be preset single payment amount and the progressive payment amount of acquiescence, the user can reset the payment amount according to own demand, payment system is received when revising default payment amount request, to point out the user to confirm to revise, after only having the user to confirm, the payment amount is revised and is just come into force.The purposes of default payment amount is: when payment, when the request payment did not surpass default payment amount, payment system can directly be deducted fees, and does not need to point out the user to confirm, when surpassing default payment amount, payment system just points out the user to carry out payment affirmation.When the user passed through the interactive TV ordering services, charge system generated bill according to buying order, and initiated the payment request to payment system, and the bill content specifically comprises: terminal iidentification, payment accounts and payment; When payment is not surpassed default payment amount, payment system is directly carried out delivery operation, does not need reminding user to confirm, confirms as reminding user input payment cipher or SMS etc., and when surpassing default payment amount, payment system just points out the user to carry out payment affirmation.
Beneficial effect of the present invention is:
1. in the situation that assurance is safe, when the user pays by interactive TV, can be the user and reduce a lot of unnecessary input operations, brought easily and efficiently to the user and experienced, while is not malfunctioning activity again, and the user can arrange the payment amount, gives the user right of enough checkings.
2. the method is easy to third party's payment platform integratedly, and cable operator and service provider can utilize the advantage of third party's payment platform to expand easily the business of oneself, will concentrate on energy to improve service design and developer.
Description of drawings
Fig. 1 is that interactive TV electric paying method structure of the present invention forms schematic diagram;
Fig. 2 is interactive television terminals of the present invention and payment accounts binding flow chart;
Fig. 3 is that user of the present invention changes default payment amount flow chart;
Fig. 4 is interactive TV payment flow figure of the present invention.
Embodiment
Below in conjunction with accompanying drawing, the present invention is described in further detail.
As shown in Figure 1, interactive TV electric paying method structure group provided by the invention comprises:
The mobile phone 104 of payment accounts binding receives the identifying code that payment system sends.
As shown in Figure 2, interactive television terminals provided by the invention and payment accounts binding flow chart specifically comprise:
201) user by interactive television terminals operation pages input will with the payment accounts of terminal binding, after submission, will initiate the binding application to service billing system.(this step is the step that user/interactive television terminals is carried out)
202) after service billing system was received the binding application of terminal, carried terminal sign and payment accounts were initiated the request of binding account to payment system, and return to the payment system login page to terminal.(this step is the step that service billing system is carried out)
203) payment system reminding user input account number cipher.(this step is the step that payment system is carried out)
204) user inputs account number cipher by terminal.(this step is the step that user/interactive television terminals is carried out)
205) after payment system was received account number cipher, whether authentication password and payment accounts mated; If coupling carries out 206); If do not mate, carry out 213).(this step is the step that payment system is carried out)
206) payment system sends account binding identifying code to the mobile phone of payment accounts binding by note.(this step is the step that payment system is carried out)
207) payment system points out the user to input account binding identifying code on the terminal page.(this step is the step that payment system is carried out)
208) user inputs account binding identifying code by terminal.(this step is the step that user/interactive television terminals is carried out)
209) the binding identifying code of payment system authentication of users input if the binding identifying code of user's input is correct, carries out 210); If the user inputs binding identifying code mistake, enter 213).(this step is the step that payment system is carried out)
210) payment system is returned to account binding success information to the user, and returns to the payment amount of user's default setting, enters 211).(this step is the step that payment system is carried out)
211) payment system is returned to account binding success information to charge system.(this step is the step that payment system is carried out)
212) service billing system records binding relationship.(this step is the step that service billing system is carried out)
213) payment system is returned to account Bind Failed information to the user.(this step is the step that service billing system is carried out)
As shown in Figure 3, user provided by the invention changes default payment amount flow chart, specifically comprises:
301) user is according to the prompting of interactive television terminals operation pages, and the request of payment amount is revised in application, after the user inputs new payment amount, will initiate to revise the application of payment amount to service billing system.(this step is carried out by user/interactive television terminals)
302) after service billing system was received the modification payment amount application of terminal, carried terminal sign, terminal account and newly-installed payment amount were initiated application to payment system and are revised the request of payment amount, and return to the payment system login page to terminal.(this step is carried out by service billing system)
303) payment system reminding user input account number cipher.
304) user inputs account number cipher by terminal.(this step is carried out by user/interactive television terminals)
305) after payment system was received account number cipher, whether authentication password and payment accounts mated; If coupling carries out 306); If do not mate, carry out 311).(this step payment system is carried out)
306) payment system sends to the mobile phone of payment accounts binding the identifying code of revising the payment amount by note.
307) payment system is pointed out the user to input on the terminal page and is revised payment amount identifying code.(this step payment system is carried out)
308) user inputs by terminal and revises payment amount identifying code.(this step is by user/interactive television terminals)
309) identifying code of payment system authentication of users input if the identifying code of user's input is correct, carries out 310); If user's input validation code mistake enters 311).(this step payment system is carried out)
310) payment system is returned to the user and is revised payment amount successful information.(this step payment system is carried out)
311) payment system is returned to the user and is revised payment amount failure information.
As shown in Figure 4, interactive TV payment flow figure provided by the invention specifically comprises:
401) service billing system generates bill according to interactive TV customer consumption list or buying order, and bill comprises terminal iidentification, payment accounts and payment, and carries bill and initiate the payment request to payment system.(this step is carried out by service billing system)
When 402) payment system is received service billing system payment request, verify that first whether the payment of bill surpasses single payment amount or the progressive payment amount of user preset, if do not surpass, carries out 403); If surpass, carry out 405).(this step is carried out by payment system)
403) the payment system direct payment, enter 404).(this step is carried out by payment system)
404) payment system is returned to the payment successful information to service billing system.(this step is carried out by payment system)
405) payment system sends the payment verification code to account binding mobile phone by note.(this step is carried out by payment system)
406) payment system points out the user to input the payment verification code on the terminal page.(this step is carried out by payment system)
407) user inputs the payment verification code.(this step is carried out by user/interactive television terminals)
408) if payment system validation of payment identifying code correct, carries out 403), if mistake carries out 409).(this step is carried out by payment system)
409) return to the payment failure information to the user, and return to the payment failure information to service billing system.(this step is carried out by payment system)
Should illustrate at last, example described herein only be used for to be explained the present invention, and the present invention does not limit concrete class of service, user terminal classification and payment system classification, within the conversion that above content is done also drops on protection scope of the present invention.
Claims (8)
1. interactive TV electronic fare payment system, this system is used for solving the problem of the inconvenience of user's input when adopting television terminal to pay by mails, and described system comprises:
Interactive television terminals is used for sending the binding payment accounts, revises the payment amount, input payment accounts, password and mobile phone identifying code, and this terminal has unique sign;
Service billing system records the binding relationship of described interactive television terminals and payment accounts, and generates bill according to customer consumption, initiates the payment request to payment system;
Payment system, pay the amount request for the treatment of described interactive television terminals and payment accounts bind request, modification, and point out the user input payment accounts, password or send identifying code with identifying user identity by SMS, and process the payment request that described service billing system sends; With
The mobile phone terminal of payment accounts binding is used for receiving the identifying code that described payment system sends.
2. interactive TV electronic fare payment system according to claim 1, is characterized in that, when the payment of described payment request did not surpass default payment amount, described payment system was directly deducted fees; When surpassing default payment amount, described payment system also is provided with prompt facility, is used for the user and carries out payment affirmation.
3. interactive TV electronic fare payment system according to claim 1, is characterized in that, described payment system also is provided with the function of prompting binding, be used for when this bind request is received by this system, the prompting user confirms binding, and after confirming that binding is verified, described bind request just comes into force.
4. interactive TV electronic fare payment system according to claim 1, be further characterized in that, described payment system is received when revising the request of payment amount, at first points out the user to confirm to revise, after the user confirmed to revise, the request of described modification payment amount just came into force.
5. interactive TV electric paying method, the method are used for solving the problem that user when adopting television terminal to pay by mails inputs inconvenience, and described method comprises:
1) at first interactive television terminals and user's payment accounts are bound, payment system arranges acquiescence payment amount;
2) when customer consumption, service billing system generates bill, initiates the payment request to payment system;
When 3) payment system is received the payment request of service billing system, will judge whether payment surpasses default payment amount, if do not surpass, payment system is directly carried out delivery operation, if surpass, payment system just points out the user to carry out payment affirmation;
Wherein, described payment amount is carried out dynamic setting according to payment.
6. institute's interactive TV electric paying method according to claim 5, is characterized in that, when described payment system is received bind request, will at first point out the user to confirm binding, and after the user confirmed binding, described bind request just came into force.
7. interactive TV electric paying method according to claim 5, be further characterized in that, described payment system is received when revising the request of payment amount, will at first point out the user to confirm to revise, after the user confirmed to revise, the request of described modification payment amount just came into force.
8. according to claim 5,6 or 7 described interactive TV electric paying methods, it is characterized in that, described payment system can be to the sending short message by mobile phone identifying code of account binding.
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| CN201110355850XA CN103108223A (en) | 2011-11-10 | 2011-11-10 | Electronic payment method and system for interactive television |
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| CN201110355850XA CN103108223A (en) | 2011-11-10 | 2011-11-10 | Electronic payment method and system for interactive television |
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| CN103108223A true CN103108223A (en) | 2013-05-15 |
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| CN109874033A (en) * | 2017-12-01 | 2019-06-11 | 尼尔森网联媒介数据服务有限公司 | A kind of method and system of TV shopping |
| CN113422811A (en) * | 2018-11-22 | 2021-09-21 | 创新先进技术有限公司 | Equipment payment method and device |
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