CN105608580A - Mobile terminal payment method and mobile terminal payment system - Google Patents

Mobile terminal payment method and mobile terminal payment system Download PDF

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Publication number
CN105608580A
CN105608580A CN201510933539.7A CN201510933539A CN105608580A CN 105608580 A CN105608580 A CN 105608580A CN 201510933539 A CN201510933539 A CN 201510933539A CN 105608580 A CN105608580 A CN 105608580A
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CN
China
Prior art keywords
user
current consumption
mobile terminal
authority
payment
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
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CN201510933539.7A
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Chinese (zh)
Inventor
孙豹
胡敏
魏松柏
危才高
刘铁锋
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
All China (wuhan) Information Technology Co Ltd
Original Assignee
All China (wuhan) Information Technology Co Ltd
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Filing date
Publication date
Application filed by All China (wuhan) Information Technology Co Ltd filed Critical All China (wuhan) Information Technology Co Ltd
Priority to CN201510933539.7A priority Critical patent/CN105608580A/en
Publication of CN105608580A publication Critical patent/CN105608580A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403Solvency checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions

Abstract

The invention discloses a mobile terminal payment method and a mobile terminal payment system. The method includes the following steps that: S1, an order request command is created by a user is received, and the ID of the user is obtained; S2, the current consumption authority of the user is obtained according to a pre-formulated quota payment strategy; S3, if the current consumption authority of the user is a restricted authority, payment is refused; and if the current consumption authority of the user is a non-restricted authority, payment operation is allowed. According to the mobile terminal payment method and the mobile terminal payment system of the invention, based on the pre-formulated quota payment strategy, different users are corresponding to different consumer authorities, and therefore, the deterioration of user experience caused by a uniform execution mode of a current quota strategy can be avoided, and the quota payment strategy of each user is set flexibly, and therefore, the bad debt rate of payment can be decreased.

Description

A kind of mobile terminal method of payment and mobile terminal payment system
Technical field
The present invention relates to mobile payment field, be specifically related to a kind of mobile terminal method of payment and mobile terminal payment system.
Background technology
Along with the develop rapidly of mobile Internet, it is general especially that user carries out small amount payment by network, also very general by mobile-phone payment, such as, buy extensive stock or service, particularly play, put card, Video service etc.
Present Information Mobile Service supplier is in order to reduce malicious owing fee behavior, and bill payment system has all been done amount restriction to user's transaction, as long as user's transaction is in excess of the quota, just limits bill payment function. Information Mobile Service supplier has done single mobile subscriber's limit is paid and controlled, the limit mode of the single solution for diverse problems substantially adopting at present, each user is formulated to unified Spending Limit, this kind of mode underaction, the problem that exists user to experience, also keeps the user who does not have malicious owing fee outside of the door.
In addition, for businessman, the behavior that user adopts multiple mobile phone rate cards to overdraw and consumes is that inevitably this has equally also brought malicious owing fee behavior.
Summary of the invention
Technical problem to be solved by this invention is to provide a kind of mobile terminal method of payment and mobile terminal payment system, pays strategy, for different users, to there being different consumption rights according to the limit pre-establishing.
The technical scheme that the present invention solves the problems of the technologies described above is as follows:
On the one hand, the invention provides a kind of mobile terminal method of payment, comprising:
The order request order that S1, reception user create is also obtained user id;
S2, tactful according to the limit payment pre-establishing, obtains user's current consumption authority that user id is corresponding;
If S3 user's current consumption authority is restricted rights, refusal to pay operation; If user's current consumption authority is non-restricted rights, allow delivery operation.
Beneficial effect of the present invention is: pay strategy according to the limit pre-establishing, for different users, to there being different consumption rights, avoid existing limit strategy to adopt the user experience that the mode of imposing uniformity without examining individual cases is brought to decline, each user's limit is paid to policy-flexible and arrange, reduced the bad credit rate paying.
On the basis of technique scheme, can also do following improvement.
Further, the limit pre-establishing in described step S2 pays strategy and specifically comprises:
Collecting user in first scheduled time, by the consumption total value W of transaction opposite end, is the consumption grade L that this user assignment is corresponding according to described consumption total value W, and configures limit S corresponding to this consumption grade L.
Further, in the order request order that described user creates, carry order amount of money P, in described step S2, obtain user's current consumption authority that user id is corresponding and specifically comprise:
If P+W > is S, user's current consumption authority is restricted rights;
If P+W≤S, user's current consumption authority is non-restricted rights.
Described further beneficial effect is: be the consumption grade that this user assignment is corresponding according to the consumer record of user's the past period, and the configuration limit corresponding with consumption grade, according to the magnitude relationship of the order amount of money in the consumption total value in this user's past, limit and user's order request, judge this user's authority.
Further, the limit pre-establishing in described step S2 pays strategy and specifically comprises:
Collect user in second scheduled time and change the quantity m1 of No. imei of mobile phone and the user account quantity n1 for No. imei binding;
Or,
Collect user in second scheduled time and change the quantity m2 of No. imsi of Mobile phone card and the user account quantity n2 for No. imsi binding;
According to the value of m1 and n1 or according to the value of m2 and n2, according to pre-defined rule, this user is defined as to black list user or domestic consumer;
Wherein, the value of m1, n1, m2 and n2 is positive integer.
Further, in described step S2, obtaining user's current consumption authority that user id is corresponding specifically comprises:
If user is black list user, user's current consumption authority is restricted rights; If user is domestic consumer, user's current consumption authority is non-restricted rights.
Described further beneficial effect is: within a period of time, change the quantity of No. imei of mobile phone and the user account quantity of No. imei binding according to user, or, user changes the quantity of No. imsi of Mobile phone card and the user account quantity of No. imsi binding within a period of time, define this user for black list user or domestic consumer, the corresponding restricted rights of black list user, the corresponding non-restricted rights of domestic consumer.
Further, if user's current consumption grade is restricted rights, pay limited warning according to preset alarm mode.
On the other hand, the invention provides a kind of mobile terminal payment system, comprising:
Request receiving module, for receiving the order request order of user's establishment and obtaining user id;
Authority judge module, for paying strategy according to the limit pre-establishing, obtains user's current consumption authority that user id is corresponding;
Allow/refusal to pay module, if be restricted rights for user's current consumption authority, refusal to pay operation; If user's current consumption authority is non-restricted rights, allow delivery operation.
Beneficial effect of the present invention is: pay strategy according to the limit pre-establishing, for different users, to there being different consumption rights, avoid existing limit strategy to adopt the user experience that the mode of imposing uniformity without examining individual cases is brought to decline, each user's limit is paid to policy-flexible and arrange, reduced the bad credit rate paying.
On the basis of technique scheme, can also do following improvement.
Further, also comprise:
Limit configuration module,, is the consumption grade L that this user assignment is corresponding according to described consumption total value W, and configures limit S corresponding to this consumption grade L by the consumption total value W of transaction opposite end for collecting user in first scheduled time.
Described further beneficial effect is: be the consumption grade that this user assignment is corresponding according to the consumer record of user's the past period, and the configuration limit corresponding with consumption grade, according to the magnitude relationship of the order amount of money in the consumption total value in this user's past, limit and user's order request, judge this user's authority.
Further, also comprise:
Collection module, for collect the quantity m1 of No. imei that user in second scheduled time changes and or for the user account quantity n1 of No. imei binding; Or,
Collect user in second scheduled time and change the quantity m2 of No. imsi of Mobile phone card and the user account quantity n2 for No. imsi binding;
Wherein, m1, n1, m2 and n2 are positive integer;
Definition module, for according to the value of m1 and n1 or according to the value of m2 and n2, is defined as black list user or domestic consumer according to pre-defined rule by this user. Described further beneficial effect is: within a period of time, change the quantity of No. imei of mobile phone and the user account quantity of No. imei binding according to user, or, user changes the quantity of No. imsi of Mobile phone card and the user account quantity of No. imsi binding within a period of time, define this user for black list user or domestic consumer, the corresponding restricted rights of black list user, the corresponding non-restricted rights of domestic consumer.
Further, also comprise:
Alarm module, if be restricted rights for user's current consumption grade, pays limited warning according to preset alarm mode.
Brief description of the drawings
Fig. 1 is a kind of method of mobile payment flow chart of the embodiment of the present invention 1;
Fig. 2 is a kind of mobile-payment system schematic diagram of the embodiment of the present invention 2.
Detailed description of the invention
Below in conjunction with accompanying drawing, principle of the present invention and feature are described, example, only for explaining the present invention, is not intended to limit scope of the present invention.
Embodiment 1, a kind of mobile terminal method of payment. Method the present embodiment being provided below in conjunction with Fig. 1 describes.
Referring to Fig. 1, the method that the present embodiment provides comprises: the order request order that S1, reception user create is also obtained user id.
S2, tactful according to the limit payment pre-establishing, obtains user's current consumption authority that user id is corresponding.
Concrete, user creates an order request order that the order amount of money is P at rear end platform, and rear end platform obtains this user id, and pays strategy according to the limit pre-establishing, and obtains the current consumption authority that this user id is corresponding. In the present embodiment, the limit pre-establishing pays strategy and mainly contains two kinds of modes, wherein a kind of mode is: rear end platform is collected this user, and (scheduled time can be set as 10 minutes in first scheduled time in the past, 1 day or January etc.) by the consumption total value W of transaction opposite end, and be the consumption grade L that this user assignment is corresponding according to consumption total value W, and configure the payment limit S that this consumption grade L is corresponding. By judging order amount of money P, the consumption total value W in order request order and paying the relation of limit S, judge this user's consumption rights, wherein, if P+W > is S, user's current consumption authority is restricted rights; If P+W≤S, user's current consumption authority is non-restricted rights.
Another kind of limit pays tactful mode and is: collect user in second scheduled time and change the quantity m1 of No. imei of mobile phone and the user account quantity n1 for No. imei binding; Or, collect user in second scheduled time and change the quantity m2 of No. imsi of Mobile phone card and the user account quantity n2 for No. imsi binding; According to the value of m1 and n1 or according to the value of m2 and n2, according to pre-defined rule, this user is defined as to black list user or domestic consumer; Wherein, the value of m1, n1, m2 and n2 is positive integer. Wherein, in the time that m1 is greater than first threshold and n1 and is greater than Second Threshold, or in the time that m2 is greater than the 3rd threshold value and n2 and is greater than the 4th threshold value, this user is defined as black list user, otherwise this user is defined as domestic consumer. In the time that this user is defined as black list user, this user is restricted rights, and in the time that this user is defined as domestic consumer, this user is non-restricted rights.
It should be noted that, along with the difference of predetermined amount of time, user's current consumption grade and consumption rights meeting dynamic change, therefore, the present embodiment is dynamic limit to different users.
If S3 user's current consumption grade is restricted rights, refusal to pay operation; If user's current consumption authority is non-restricted rights, allow delivery operation.
Concrete, if user's current consumption authority is restricted rights, rear end platform refusal user carries out delivery operation, if user's current consumption authority is non-restricted rights, rear end platform allows user to carry out delivery operation.
In addition, in the time that user's current consumption authority is restricted rights, rear end platform pays limited warning according to preset alarm mode, and wherein, preset alarm mode is that word is reported to the police or audio alert.
Embodiment 2, a kind of mobile terminal payment system. System the present embodiment being provided below in conjunction with Fig. 2 is described.
Referring to Fig. 2, the system that the present embodiment provides comprises request receiving module 21, limit configuration module 22, collection module 23, definition module 24, authority judge module 25, allows/refusal to pay module 26 and alarm module 27.
Wherein, request receiving module 21, for receiving the order request order of user's establishment and obtaining user id.
Limit configuration module 22,, is the consumption grade L that this user assignment is corresponding according to described consumption total value W, and configures limit S corresponding to this consumption grade L by the consumption total value W of transaction opposite end for collecting user in first scheduled time.
Collection module 23, for collect the quantity m1 of No. imei that user in second scheduled time changes and or for the user account quantity n1 of No. imei binding; Or,
Collect user in second scheduled time and change the quantity m2 of No. imsi of Mobile phone card and the user account quantity n2 for No. imsi binding;
Wherein, m1, n1, m2 and n2 are positive integer.
Definition module 24, for according to the value of m1 and n1 or according to the value of m2 and n2, is defined as black list user or domestic consumer according to pre-defined rule by this user.
Authority judge module 25, for paying strategy according to the limit pre-establishing, obtains user's current consumption authority that user id is corresponding.
Concrete, in the order request order that described user creates, carry order amount of money P, authority judge module 25 specifically for: if P+W > S, user's current consumption authority is restricted rights; If P+W≤S, user's current consumption authority is non-restricted rights. Or, authority judge module 25 also specifically for: if user is black list user, user's current consumption grade is restricted rights; If user is domestic consumer, user's current consumption grade is non-restricted rights.
Allow/refusal to pay module 26, if be restricted rights for user's current consumption authority, refusal to pay operation; If user's current consumption authority is non-restricted rights, allow delivery operation.
Alarm module 27, if be restricted rights for user's current consumption grade, pays limited warning according to preset alarm mode, and wherein, preset alarm mode comprises word warning or audio alert.
A kind of mobile terminal method of payment provided by the invention and mobile terminal payment system, pay strategy according to the limit pre-establishing, for different users, to there being different consumption rights, avoid existing limit strategy to adopt the user experience that the mode of imposing uniformity without examining individual cases is brought to decline, each user's limit is paid to policy-flexible and arrange, reduced the bad credit rate paying; And the mode that can adopt multiple limit strategy to combine is carried out limit to different users, formulate the policy-flexible that limit pays; In the time that user is restricted rights, also report to the police, with reminding user.
In the description of this description, the description of reference term " embodiment mono-", " example ", " concrete example " or " some examples " etc. means to be contained at least one embodiment of the present invention or example in conjunction with concrete grammar, device or the feature of this embodiment or example description. In this manual, to the schematic statement of above-mentioned term not must for be identical embodiment or example. And, specific features, method, device or the feature of description can one or more embodiment in office or example in suitable mode combination. In addition,, not conflicting in the situation that, those skilled in the art can carry out combination and combination by the feature of the different embodiment that describe in this description or example and different embodiment or example.
The foregoing is only preferred embodiment of the present invention, in order to limit the present invention, within the spirit and principles in the present invention not all, any amendment of doing, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.

Claims (10)

1. a mobile terminal method of payment, is characterized in that, comprising:
The order request order that S1, reception user create is also obtained user id;
S2, tactful according to the limit payment pre-establishing, obtains user's current consumption authority that user id is corresponding;
If S3 user's current consumption authority is restricted rights, refusal to pay operation; If user's current consumption authority is non-restricted rights, allow delivery operation.
2. mobile terminal as claimed in claim 1 method of payment, is characterized in that, the limit pre-establishing in described step S2 pays strategy and specifically comprises:
Collecting user in first scheduled time, by the consumption total value W of transaction opposite end, is the consumption grade L that this user assignment is corresponding according to described consumption total value W, and configures limit S corresponding to this consumption grade L.
3. mobile terminal as claimed in claim 2 method of payment, is characterized in that, in the order request order that described user creates, carries order amount of money P, obtains user's current consumption authority that user id is corresponding and specifically comprise in described step S2:
If P+W > is S, user's current consumption authority is restricted rights;
If P+W≤S, user's current consumption authority is non-restricted rights.
4. mobile terminal as claimed in claim 1 method of payment, is characterized in that, the limit pre-establishing in described step S2 pays strategy and specifically comprises:
Collect user in second scheduled time and change the quantity m1 of No. imei of mobile phone and the user account quantity n1 for No. imei binding;
Or,
Collect user in second scheduled time and change the quantity m2 of No. imsi of Mobile phone card and the user account quantity n2 for No. imsi binding;
According to the value of m1 and n1 or according to the value of m2 and n2, according to pre-defined rule, this user is defined as to black list user or domestic consumer;
Wherein, the value of m1, n1, m2 and n2 is positive integer.
5. mobile terminal as claimed in claim 3 method of payment, is characterized in that, obtains user's current consumption authority that user id is corresponding and specifically comprise in described step S2:
If user is black list user, user's current consumption authority is restricted rights; If user is domestic consumer, user's current consumption authority is non-restricted rights.
6. the mobile terminal method of payment as described in claim 1-5 any one, is characterized in that, also comprises:
If user's current consumption authority is restricted rights, pay limited warning according to preset alarm mode.
7. a mobile terminal payment system, is characterized in that, described system comprises:
Receiver module, for receiving the order request order of user's establishment and obtaining user id;
Authority judge module, for paying strategy according to the limit pre-establishing, obtains user's current consumption authority that user id is corresponding;
Allow/refusal to pay module, if be restricted rights for user's current consumption authority, refusal to pay operation; If user's current consumption authority is non-restricted rights, allow delivery operation.
8. mobile terminal as claimed in claim 7 payment system, is characterized in that, also comprises:
Limit configuration module,, is the consumption grade L that this user assignment is corresponding according to described consumption total value W, and configures limit S corresponding to this consumption grade L by the consumption total value W of transaction opposite end for collecting user in first scheduled time.
9. mobile terminal as claimed in claim 7 payment system, is characterized in that, also comprises:
Collection module, for collect the quantity m1 of No. imei that user in second scheduled time changes and or for the user account quantity n1 of No. imei binding; Or,
Collect user in second scheduled time and change the quantity m2 of No. imsi of Mobile phone card and the user account quantity n2 for No. imsi binding;
Wherein, m1, n1, m2 and n2 are positive integer;
Definition module, for according to the value of m1 and n1 or according to the value of m2 and n2, is defined as black list user or domestic consumer according to pre-defined rule by this user.
10. the mobile terminal payment system as described in claim 7-9 any one, is characterized in that, also comprises:
Alarm module, if be restricted rights for user's current consumption authority, pays limited warning according to preset alarm mode.
CN201510933539.7A 2015-12-15 2015-12-15 Mobile terminal payment method and mobile terminal payment system Pending CN105608580A (en)

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CN106056383A (en) * 2016-07-18 2016-10-26 中经汇通电子商务有限公司 Method and server for generating unique page through mobile phone terminal IMEI code and system thereof
CN108830584A (en) * 2018-06-14 2018-11-16 腾讯科技(深圳)有限公司 Message prompt method, device, server and storage medium
CN109359960A (en) * 2018-08-01 2019-02-19 阿里巴巴集团控股有限公司 The implementation method and device of e-payment
CN109377206A (en) * 2018-09-26 2019-02-22 中国建设银行股份有限公司 Pay limit system, method, apparatus and storage medium
WO2020015484A1 (en) * 2018-07-18 2020-01-23 阿里巴巴集团控股有限公司 Risk identification method and apparatus, and server
CN113934997A (en) * 2021-09-30 2022-01-14 湖北公众信息产业有限责任公司 Intelligent data management method and system for ITV (integrated transaction television) service

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CN101447051A (en) * 2007-11-27 2009-06-03 联想(北京)有限公司 Payment method and payment device
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Publication number Priority date Publication date Assignee Title
CN106056383A (en) * 2016-07-18 2016-10-26 中经汇通电子商务有限公司 Method and server for generating unique page through mobile phone terminal IMEI code and system thereof
CN108830584A (en) * 2018-06-14 2018-11-16 腾讯科技(深圳)有限公司 Message prompt method, device, server and storage medium
WO2020015484A1 (en) * 2018-07-18 2020-01-23 阿里巴巴集团控股有限公司 Risk identification method and apparatus, and server
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CN109377206B (en) * 2018-09-26 2021-09-28 中国建设银行股份有限公司 Payment limit system, method, device and storage medium
CN113934997A (en) * 2021-09-30 2022-01-14 湖北公众信息产业有限责任公司 Intelligent data management method and system for ITV (integrated transaction television) service

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