CN103123706A - Management method, device and system of bill payment for another - Google Patents
Management method, device and system of bill payment for another Download PDFInfo
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- CN103123706A CN103123706A CN2011103694330A CN201110369433A CN103123706A CN 103123706 A CN103123706 A CN 103123706A CN 2011103694330 A CN2011103694330 A CN 2011103694330A CN 201110369433 A CN201110369433 A CN 201110369433A CN 103123706 A CN103123706 A CN 103123706A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
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Abstract
The invention relates to a management method of bill payment for another including following steps. Step 1, accept a bill payment for another request of a first user recognition application development tools STK from a requisition part, step 2, carry out verification according to the first STK bill payment for another request, step 3, deliver a second STK bill payment for another request based on verification results to payment part. According to the bill payment for another management method, the bill payment for another request delivered by the requisition part is STK encrypted, the STK bill payment for another request is delivered to the payment part after being verified, and the payment part finishes payment process. Accordingly, a user is provided with a more secure bill payment for another method, the bill payment for another request is prevented from unauthorized use, and property security of the user is protected.
Description
Technical field
The present invention relates to the bill payment field, specifically a kind of bill is paid out management method, Apparatus and system.
Background technology
The mobile phone bill payment is a kind of novel modes of payments that mobile operator releases after the payment of card class, network payment.The user pays by the bill that is issued on mobile phone after having ordered commodity, takes full advantage of popularization and the portability of mobile phone.
In general the mobile phone bill is divided into three kinds of modes of note bill, multimedia message bill and STK STK (SIM Tool Kit) bill.Wherein because the STK program can be carried out the bottom encrypting and decrypting to user data, so the safest.And when adopting note, multimedia message bill, because information adopts the plain code transmission, the danger of bill and fishing note appears easily forging.
At present, use a kind of flow process of mobile-phone payment STK bill to be:
1, service provider SP issues Pay Bill to user mobile phone by operator;
2, user mobile phone by STK program deciphering bill, carries out the identification of bill;
3, the user checks the bill of receiving by the STK menu, and uses remaining sum to pay.
In the time of the user balance deficiency, complete the payment of bill for the ease of the user, there is a kind of technology of paying out in prior art, when the user pays the bill on webpage, input paying agent's information, the link of perhaps paying the bill sends to the paying agent, and request the paying agent pay out.The paying agent can receive a common note, pays out according to completing after message reply.But this pays out technology and has certain unsafe factor: one, application paying agent's identity can be false, or personation, is difficult to judge that whether this pay out request from real good friend; Two, pay out the request and agree that this reply of paying out request can be forged; Three, have a large amount of fishing websites on network, user account number is easily by steal-number, in case stolen appropriator can be made a big purchase false commodity in large quantities, and the application owner of lost property's good friend pays out, and the risk of bringing thus is self-evident.
Summary of the invention
Fundamental purpose of the present invention is to provide a kind of mobile phone bill and pays out method, is intended to strengthen the security that mobile phone is paid out, and provides to be difficult for the request of paying out that quilt is copied protection user property by mobile phone STK menu.
The present invention proposes a kind of method that bill is paid out management, and described method specifically comprises step:
First user identification application development instrument STK (the SIM Tool Kit) bill that receives the request end transmission is paid out request;
Verification is carried out in the request of paying out to a described STK bill;
Issue the 2nd STK bill according to check results and pay out request to paying out end.
Preferably, comprised before the first user identification application development instrument STK bill that receives the request end transmission is paid out request: the request end is with original bill information, request end information and pay out the client information encryption, generates a described STK bill and pays out request.
Preferably, describedly a STK bill is paid out bill information in request carry out verification and specifically comprise:
A described STK bill is paid out request deciphering to be obtained bill and pays out information;
Described bill is paid out information carry out verification.
Preferably, described statement is paid out information and is carried out verification and comprise at least:
Whether the original bill of verification exists, the original bill state of verification whether correct, whether the verification bill information consistent with original bill information, whether verification described request end is the user that issued last time of original bill and whether the described end of paying out of verification has been opened and paid out function.
Preferably, describedly issue the request of paying out of the 2nd STK bill according to check results and specifically comprise to paying out end:
When verification succeeds, described bill information is reconfigured and encrypt rear acquisition the 2nd STK bill pay out request;
The request of paying out of described the 2nd STK bill is issued to pays out end.
Preferably, described the 2nd STK bill request of paying out comprises at least original bill information, request end information and pays out client information.
The present invention proposes a kind of bill and pays out management devices, and described device specifically comprises:
Receiver module, a STK bill that is used for reception request end transmission is paid out request;
Correction verification module, the bill information that is used for a described STK bill is paid out request carries out verification;
Sending module is used for issuing the 2nd STK bill according to check results and pays out request to paying out end.
Preferably, the described request end comprises: the STK bill is paid out the request generation module, is used for original bill information, request end information and pays out client information and encrypt, and generates a described STK bill and pays out request.
Preferably, described correction verification module specifically comprises:
Decryption unit is used for that a described STK bill is paid out the request deciphering and obtains bill and pay out information;
Verification unit is used for that described bill is paid out information and carries out verification.
Preferably, described verification unit statement is paid out information and is carried out verification and comprise at least:
Whether the original bill of verification exists, the original bill state of verification whether correct, whether the verification bill information consistent with original bill information, whether verification described request end is the user that issued last time of original bill and whether the described end of paying out of verification has been opened and paid out function.
Preferably, described sending module specifically comprises:
Ciphering unit is used for described bill information being reconfigured and encrypting rear acquisition the 2nd STK bill pay out request when verification succeeds;
Transmitting element is used for the request of paying out of described the 2nd STK bill is issued to and pays out end.
Preferably, described the 2nd STK bill request of paying out comprises at least original bill information, request end information and pays out client information.
The present invention proposes a kind of bill and pays out system, comprises request end and pay out end, comprises that also aforesaid bill pays out management devices,
The described request end is used for, paying out management devices transmission the one STK bill to bill and paying out request when Sorry, your ticket has not enough value when local disbursement account;
The described end of paying out is used for accepting described the 2nd STK bill and pays out request, and the request of paying out is decrypted to obtain and confirms to pay out after paying out bill information to described the 2nd STK bill.
Preferably, the described request end comprises the STK module, is used for a described STK bill is paid out asking to be encrypted;
The described end of paying out comprises the STK module, is used for described the 2nd STK bill is paid out asking to be decrypted.
Preferably, after paying out end and confirming to pay out, described bill is paid out management devices and also is used for completing by payment interface paying out, and notice described request end and the described end of paying out are paid out result.
Bill provided by the invention is paid out method, the Apparatus and system of management; bill provided by the invention is paid out management method; the STK encryption is carried out in the request of paying out that the request end sends; and the request of paying out is carried out being sent to after authentication and is completed by paying out end the process of paying out after paying out end to STK; for providing safer bill, the user pays out method; prevent from paying out request stolen, thereby protected user's property safety.
Description of drawings
Fig. 1 is that bill of the present invention is paid out the flow chart of steps in management method one embodiment;
Fig. 2 is that bill of the present invention is paid out the flow chart of steps that in management method embodiment, verification is carried out in the request of paying out to a described STK bill;
Fig. 3 is that bill of the present invention is paid out and issued the 2nd STK bill according to check results in management method embodiment and pay out request to the flow chart of steps of paying out end;
Fig. 4 is that bill of the present invention is paid out the structural representation in management devices embodiment;
Fig. 5 is the structural representation that bill of the present invention is paid out sending module in management devices embodiment;
Fig. 6 is the structural representation that bill of the present invention is paid out correction verification module in management devices embodiment;
Fig. 7 is the structural representation that bill of the present invention is paid out management system.
The realization of the object of the invention, functional characteristics and advantage are described further with reference to accompanying drawing in connection with embodiment.
Embodiment
In order to make purpose of the present invention, technical scheme and advantage clearer, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein only in order to explain the present invention, is not intended to limit the present invention.
Request end in the present invention can be the mobile communication terminals such as mobile phone with paying out end, and it is provided with STK (SIM Tool Kit) STK module, and this Module-embedding is used for the statement data and is encrypted in the STK card.The STK card carries unique key, the key that each mobile phone STK card is corresponding is different, this key can adopt the 3DES algorithm of dual key group, send and the message received is a kind of data message by the STK card, traditional receive and to send Pay Bill different by SMS, more be difficult to be forged, the user can check the STK bill by the STK menu.
With reference to Fig. 1, Fig. 1 is the process flow diagram that bill that the present invention proposes is paid out management method one embodiment, and the method specifically comprises the following steps:
S110: a STK bill that receives the request end transmission is paid out request;
The request end receives mobile operator and issues the STK bill, the user checks this STK bill by the STK menu, and also be provided with bill and pay out function in the STK menu, if local payment account is when Sorry, your ticket has not enough value, the request end can be selected bill to pay out function to send the bill request of paying out and pay out client information according to the prompting of screen input, for example, pay out client information and can pay out user's identification number by unique identification for the phone number of paying out the user or other.More specifically, the request end will need to ask original bill information, the request end information of paying out and pay out the client information combined ciphering is to send after the STK bill request of paying out, and mobile operator receives a STK bill of request end transmission and pays out request.
S120: a STK bill is paid out bill in request pay out information and carry out verification;
The bill information that the one STK bill is paid out in request carries out verification, judge whether the bill information that a STK pays out in request is correct bill information, that is to say whether this bill information is the original bill that is issued to the request end, to guarantee that the request of paying out is what to initiate from correct request end, the assurance bill information is not copied by the third party.
S130: issue the 2nd STK bill according to check results and pay out request to paying out end;
When verification succeeds, generate the request of paying out of the 2nd STK bill and be issued to a STK bill and pay out the corresponding end of paying out in request, wherein the 2nd STK bill is paid out and is comprised original bill information, the request end information that need to pay out in request and pay out client information.When the verification failure, abandon this time paying out request.
Bill provided by the invention is paid out method, the Apparatus and system of management; bill provided by the invention is paid out management method; the STK encryption is carried out in the request of paying out that the request end sends; and the request of paying out is carried out being sent to after authentication and is completed by paying out end the process of paying out after paying out end to STK; for providing safer bill, the user pays out method; prevent from paying out request stolen, thereby protected user's property safety.
Concrete, with reference to Fig. 2, above step S120 comprises:
S121: a STK bill is paid out the request deciphering, obtain bill and pay out information;
The request of paying out is decrypted rear acquisition bill and pays out information to a STK bill, for example needs original bill information, the request end information of paying out and pays out client information.
S122: statement is paid out information and is carried out verification;
Wherein, the particular content of verification comprise at least whether the original bill of verification exists, the original bill state of verification whether correct, whether the verification bill information consistent with original bill information, whether verification described request end is the user that issued last time of original bill and whether the described end of paying out of verification has been opened and paid out function.When verification succeeds, execution in step S130 when having one in verification when failed, abandons the request of this time paying out.
With reference to Fig. 3, above-mentioned steps S130 comprises:
S131: when verification succeeds, described bill information is reconfigured and encrypt rear acquisition the 2nd STK bill pay out request; Wherein the request of paying out of the 2nd STK bill comprises at least original bill information, request end information and pays out client information, is encrypted after the 2nd STK bill is paid out request reconfiguring to generate.
S132: the request of paying out of the 2nd STK bill is issued to pays out end; The request of paying out of the 2nd STK bill is issued to the corresponding end of paying out.
With reference to Fig. 4, the present invention proposes a kind ofly to realize that the bill of said method pays out management devices 400, specifically comprises:
Sending module 430 is used for issuing the 2nd STK bill according to check results and pays out request to paying out end.
The request end receives mobile operator and issues the STK bill, the user checks this STK bill by the STK menu, and also be provided with bill and pay out function in the STK menu, if local payment account is when Sorry, your ticket has not enough value, the request end can be selected bill to pay out function to send the bill request of paying out and pay out client information according to the prompting of screen input, for example, pay out client information and can pay out user's identification number by unique identification for the phone number of paying out the user or other.In the present embodiment, the request end comprises that also the STK bill pays out the request generation module, it is that a STK bill is paid out request Concurrency and delivered to receiver module 410 that described STK bill pays out that the request generation module will need to ask original bill information, the request end information of paying out and pay out the client information combined ciphering, and receiver module 410 receives the STK bill that the request end sends and pays out request.
The bill information that 420 pairs of STK bills of correction verification module are paid out in request carries out verification, judge whether the bill information that a STK pays out in request is correct bill information, that is to say whether this bill information is the original bill that is issued to the request end, to guarantee that the request of paying out is what to initiate from correct request end, the assurance bill information is not copied by the third party.
When verification succeeds, sending module 430 generates the request of paying out of the 2nd STK bills and is issued to a STK bill and pays out the corresponding end of paying out in request, and wherein the 2nd STK bill is paid out and comprised original bill information, the request end information that need to pay out in request and pay out client information.When the verification failure, abandon this time paying out request.
With reference to Fig. 5, above-mentioned correction verification module 420 specifically comprises:
The request of paying out of 421 pairs of STK bills of decryption unit is decrypted rear acquisition bill and pays out information, for example needs original bill information, the request end information of paying out and pays out client information.
With reference to Fig. 6, above-mentioned sending module 430 specifically comprises:
Transmitting element 432 is used for the request of paying out of described the 2nd STK bill is issued to and pays out end;
When 420 pairs of correction verification modules are paid out the bill information verification succeeds, reconfigure and generate the 2nd STK bill and pay out and ask and encrypt paying out bill information, wherein the request of paying out of the 2nd STK bill comprises at least original bill information, request end information and pays out client information.
Transmitting element 432 is issued to the corresponding end of paying out with the request of paying out of the 2nd STK bill.
With reference to Fig. 7, the present invention also proposes a kind of bill and pays out management system, specifically comprises: request end 500, the bill of paying out in end 600 and previous embodiment are paid out management devices 400, wherein,
Bill is paid out management devices 400, be used for to receive the STK bill that the request end sends and pays out request, a STK bill is paid out bill in request pay out information and carry out verification, issues the 2nd STK bill according to check results and pays out request to paying out end;
Pay out end 600, be used for accepting described the 2nd STK bill and pay out request, and the request of paying out is decrypted to obtain and confirms to pay out after paying out bill information to described the 2nd STK bill.
The user of request end 500 views the STK bill by the STK menu, when the local account bill when Sorry, your ticket has not enough value, the user selects bill to pay out function in the STK menu, and input the information of paying out end 600 of paying out for bill, the information of wherein paying out end 600 can be phone number or other unique user identification code.Be provided with the STK module on request end 500, by the STK module with the original bill information of STK, request end information and pay out client information be combined as a STK bill pay out ask and encrypt after be uploaded to account and pay out management devices 400.
Bill is paid out the first bill of management devices 400 reception request end 500 transmissions and is paid out request, and the request of paying out is decrypted rear acquisition bill and pays out information to the first bill, statement is paid out information and is carried out verification, the content of verification comprises at least whether the original bill information of verification STK exists, the original bill state of verification whether correct, whether the verification bill information consistent with original bill information, whether verification described request end is the user that issued last time of original bill and whether the described end of paying out of verification has been opened and paid out function.If verification failure is abandoned this time and paid out request, if verification succeeds, statement is paid out information and is recombinated and encrypt and generate the 2nd STK bill and pay out request, and it is issued to the corresponding end 600 of paying out.
Pay out end 600 and comprise the STK deciphering module, after receiving the 2nd STK bill and paying out request, the request of paying out is decrypted the STK deciphering module to the 2nd STK bill, if successful decryption, pay out request to user's prompting in the STK menu of paying out end 600, comprise request end information, STK bill information etc., the user confirms to pay out after checking this request of paying out.
On the basis of previous embodiment, after paying out end 600 and confirming to pay out, bill is paid out management devices 400 and also is used for completing by payment interface paying out, and notice request end 500 and pay out end 600 and pay out result.The information of after paying out end 600 and confirming to pay out, confirmation being paid out is sent to bill and pays out management devices 400, bill is paid out management devices 400 and is completed by payment interface and will pay out result notice request end 500 and pay out end 600 respectively after paying out, the payment interface that this payment interface can be commonly used for mobile operator.
These are only preferred embodiment of the present invention, not in order to limiting the present invention, all any modifications of doing within the spirit and principles in the present invention, be equal to and replace and improvement etc., within all should being included in protection scope of the present invention.
Claims (15)
1. a bill is paid out the method for management, it is characterized in that, described method specifically comprises step:
The first user identification application development instrument STK bill that receives the request end transmission is paid out request;
Verification is carried out in the request of paying out to a described STK bill;
Issue the 2nd STK bill according to check results and pay out request to paying out end.
2. bill as claimed in claim 1 is paid out the method for management, it is characterized in that, comprised before the first user identification application development instrument STK bill that receives the request end transmission is paid out request: the request end is with original bill information, request end information and pay out the client information encryption, generates a described STK bill and pays out request.
3. bill as claimed in claim 2 is paid out the method for management, it is characterized in that, describedly a STK bill is paid out bill information in request carries out verification and specifically comprises:
A described STK bill is paid out the request deciphering, obtain bill and pay out information;
Described bill is paid out information carry out verification.
4. bill as claimed in claim 3 is paid out the method for management, it is characterized in that, described statement is paid out information and carried out verification and comprise at least:
Whether the original bill of verification exists, the original bill state of verification whether correct, whether the verification bill information consistent with original bill information, whether verification described request end is the user that issued last time of original bill and whether the described end of paying out of verification has been opened and paid out function.
5. bill as claimed in claim 4 is paid out the method for management, it is characterized in that, describedly issues the request of paying out of the 2nd STK bill according to check results and specifically comprises to paying out end:
When verification succeeds, described bill information is reconfigured and encrypt rear acquisition the 2nd STK bill pay out request;
The request of paying out of described the 2nd STK bill is issued to pays out end.
6. bill as claimed in claim 5 is paid out the method for management, it is characterized in that, described the 2nd STK bill request of paying out comprises at least original bill information, request end information and pays out client information.
7. a bill is paid out management devices, it is characterized in that, described device specifically comprises:
Receiver module, a STK bill that is used for reception request end transmission is paid out request;
Correction verification module, the bill information that is used for a described STK bill is paid out request carries out verification;
Sending module is used for issuing the 2nd STK bill according to check results and pays out request to paying out end.
8. bill as claimed in claim 7 is paid out management devices, it is characterized in that, the described request end comprises: the STK bill is paid out the request generation module, is used for original bill information, request end information and pays out client information and encrypt, and generates a described STK bill and pays out request.
9. bill as claimed in claim 8 is paid out management devices, it is characterized in that, described correction verification module specifically comprises:
Decryption unit is used for a described STK bill is paid out the request deciphering, obtains bill and pays out information;
Verification unit is used for that described bill is paid out information and carries out verification.
10. bill as claimed in claim 9 is paid out management devices, it is characterized in that, described verification unit statement is paid out information and carried out verification and comprise at least:
Whether the original bill of verification exists, the original bill state of verification whether correct, whether the verification bill information consistent with original bill information, whether verification described request end is the user that issued last time of original bill and whether the described end of paying out of verification has been opened and paid out function.
11. bill as claimed in claim 10 is paid out management devices, it is characterized in that, described sending module specifically comprises:
Ciphering unit is used for described bill information being reconfigured and encrypting rear acquisition the 2nd STK bill pay out request when verification succeeds;
Transmitting element is used for the request of paying out of described the 2nd STK bill is issued to and pays out end.
12. bill as claimed in claim 11 is paid out management devices, it is characterized in that, described the 2nd STK bill request of paying out comprises at least original bill information, request end information and pays out client information.
13. a bill is paid out system, comprises request end and pay out end it is characterized in that, comprises that also bill as described in any one in claim 7 to 12 pays out management devices,
The described request end is used for, paying out management devices transmission the one STK bill to bill and paying out request when Sorry, your ticket has not enough value when local disbursement account;
The described end of paying out is used for receiving described the 2nd STK bill and pays out request, and the request of paying out is decrypted to obtain and confirms to pay out after paying out bill information to described the 2nd STK bill.
14. bill as claimed in claim 13 is paid out system, it is characterized in that,
The described request end comprises the STK module, is used for a described STK bill is paid out asking to be encrypted;
The described end of paying out comprises the STK module, is used for described the 2nd STK bill is paid out asking to be decrypted.
15. bill as described in claim 13 or 14 is paid out system, it is characterized in that, after paying out end and confirming to pay out, described bill is paid out management devices and also is used for completing by payment interface paying out, and notice described request end and the described end of paying out are paid out result.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011103694330A CN103123706A (en) | 2011-11-18 | 2011-11-18 | Management method, device and system of bill payment for another |
| PCT/CN2012/072562 WO2012155644A1 (en) | 2011-11-18 | 2012-03-19 | Bill entrustment payment management method, device, and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011103694330A CN103123706A (en) | 2011-11-18 | 2011-11-18 | Management method, device and system of bill payment for another |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103123706A true CN103123706A (en) | 2013-05-29 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2011103694330A Pending CN103123706A (en) | 2011-11-18 | 2011-11-18 | Management method, device and system of bill payment for another |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN103123706A (en) |
| WO (1) | WO2012155644A1 (en) |
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