CN106327172A - Payment method and device for virtual SIM card terminal - Google Patents
Payment method and device for virtual SIM card terminal Download PDFInfo
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- CN106327172A CN106327172A CN201510333732.7A CN201510333732A CN106327172A CN 106327172 A CN106327172 A CN 106327172A CN 201510333732 A CN201510333732 A CN 201510333732A CN 106327172 A CN106327172 A CN 106327172A
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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
- G06Q20/16—Payments settled via telecommunication systems
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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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, 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
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
- G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
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- Computer Security & Cryptography (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
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Abstract
The embodiment of the invention discloses a payment method for a virtual SIM card terminal, and the method comprises the steps: generating a user bill of the virtual SIM card terminal corresponding to a terminal identity label according to the received virtual SIM card service information carrying the terminal identity; receiving the payment mode configuration information, wherein the payment mode configuration information carries the terminal identity label and a terminal payment mode; and paying the user bill of the virtual SIM card terminal corresponding to the terminal identity label in the terminal payment mode. The embodiment of the invention also discloses a payment device for the virtual SIM card terminal.
Description
Technical field
The present invention relates to terminal payment technology, particularly relate to a kind of virtual user identification module (SIM,
Subscriber Identity Module) payment methods of card terminal and device.
Background technology
Along with developing rapidly of mobile communication technology, virtual SIM card technology is more and more ripe, supports virtual SIM
The terminal of card can allow user without using traditional SIM card, it is possible to the directly wireless network of access operator
Service, can easily solve the roaming problem of traditional SIM card.Relatively conventional SIM, virtual SIM card
It is possible not only to cancel the sim card slot in conventional terminal, allows terminal become lighter and handier, it might even be possible to allow user side
Just from main separation Virtual network operator.The difference realized due to virtual SIM card and traditional SIM card, virtual SIM
Card is brought new business function and new end product to impact traditional communications industry.Relevant support is virtual
The terminal of SIM and system platform scheme attract more and more operator and the concern of user and use.
At present, the technical scheme of virtual SIM card there is no the scheme that virtual SIM card is paid, existing tradition
SIM payment scheme based on SIM, the corresponding number of SIM, need during subscriber payment
To corresponding operator business hall, the number that this traditional SIM card is corresponding is handled billing settlement business, or hands
The dynamic bill being paid number corresponding to this traditional SIM card by Third-party payment platform to respective operator.And
And, virtual SIM card is in order to solve the roaming problem of traditional SIM card, in the account of described virtual SIM card
Lower may be assigned multiple number belonging to different operators, if still according to traditional SIM payment scheme,
Each number carries out billing settlement and payment respectively, then user needs each operator business hall the most right
Each number handles subscriber's account account settlement business, or, either manually or by Third-party payment platform respectively to each
Number carries out online transaction payment；So operate the most comparatively laborious, it is impossible to meet user intelligent and
The demand of hommization.
Summary of the invention
In view of this, embodiment of the present invention expectation provides payment methods and the device of a kind of virtual SIM card terminal,
More intelligent can carry out subscriber's account account settlement business with hommization ground.
For reaching above-mentioned purpose, the technical scheme is that and be achieved in that:
A kind of payment methods of virtual SIM card terminal, described method includes:
The virtual SIM card business information carrying terminal identity mark according to receiving generates terminal identity mark
The subscriber's account of corresponding virtual SIM card terminal；
Receive means of payment configuration information, wherein, described means of payment configuration information carries terminal identity
Mark and the terminal means of payment；
The use of virtual SIM card terminal corresponding to described terminal identity mark is paid according to the described terminal means of payment
Family bill.
In such scheme, what described basis received carries the virtual SIM card business information of terminal identity mark
Generate the subscriber's account of virtual SIM card terminal corresponding to terminal identity mark, including:
Described terminal identity mark is generated according to receiving the virtual SIM card business information carrying terminal identity mark
Know the technical account of each common carrier of corresponding virtual SIM card terminal；
The total cost of technical account corresponding for each common carrier described is right as described terminal identity mark
The subscriber's account of the virtual SIM card terminal answered.
In such scheme, described reception means of payment configuration information includes:
Receive and decipher the means of payment configuration information of the encryption that described virtual SIM card terminal sends；Described
Pay and mode configuration information carries terminal identity mark and the terminal means of payment, the described terminal means of payment
Including at least one means of payment following: virtual SIM card bill payment, bank card pays；
When the described terminal means of payment includes that bank card pays, described means of payment configuration information is also taken
With being applied to the bank card information that bank card pays；Now, described according to the payment of the described terminal means of payment
Before the subscriber's account of the virtual SIM card terminal that described terminal identity mark is corresponding, described method also includes:
It is sent to Third-party payment after described bank card information in described means of payment configuration information being encrypted put down
Platform, described bank card information carries out bank card legitimate verification for described Third-party payment platform and transaction is awarded
Power；
Receive that described Third-party payment platform sends bank card is legal and transaction authorization information.
In such scheme, the described void paying described terminal identity mark correspondence according to the described terminal means of payment
Intend the subscriber's account of SIM terminal, including:
Apply terminal identity mark correspondence described in the virtual SIM card bill payment of described terminal identity mark correspondence
The subscriber's account of virtual SIM card terminal to virtual SIM card operator；
Or,
Subscriber's account and the described bank card information of virtual SIM card terminal corresponding for terminal identity mark are added
Third-party payment platform, the user of the virtual SIM card terminal that described terminal identity mark is corresponding it is sent to after close
Bill and described bank card information pay described end for bank card described in described Third-party payment platform application
The subscriber's account of the virtual SIM card terminal that end identity is corresponding is to virtual SIM card operator；Receive described
The subscriber's account that Third-party payment platform sends has paid information.
In such scheme, paying the virtual of described terminal identity mark correspondence according to the described terminal means of payment
After the subscriber's account of SIM terminal, described method also includes:
By the subscriber's account of described virtual SIM card terminal and user's account of paying described virtual SIM card terminal
Single payment result is sent to described virtual SIM card terminal.
A kind of payment methods of virtual SIM card terminal, described method includes:
The means of payment configuration information sent to virtual SIM card billing management server；The described means of payment is joined
Carrying terminal identity mark and the terminal means of payment in confidence breath, described means of payment configuration information is used for
Virtual SIM card billing management server is made to pay described terminal identity mark according to the described terminal means of payment right
The subscriber's account of the virtual SIM card terminal answered.
In such scheme, the described means of payment configuration information sent to virtual SIM card billing management server,
Including:
The means of payment configuration information of encryption is sent to virtual SIM card billing management server；Described terminal is propped up
The mode of paying includes at least one means of payment following: virtual SIM card bill payment, bank card pays.
In such scheme, the described means of payment configuration information sent to virtual SIM card billing management server
Afterwards, described method also includes:
Receive virtual SIM card billing management server send described virtual SIM card terminal subscriber's account with
And pay the payment result of the subscriber's account of described virtual SIM card terminal.
A kind of payment device of virtual SIM card terminal, described device includes:
Bill signal generating unit, for according to the virtual SIM card business letter carrying terminal identity mark received
Breath generates the subscriber's account of virtual SIM card terminal corresponding to terminal identity mark；
First receives unit, is used for receiving means of payment configuration information, wherein, described means of payment configuration letter
Breath carries terminal identity mark and the terminal means of payment；
Bill payment unit, props up for the described terminal means of payment received according to described first reception unit
Pay user's account of the virtual SIM card terminal of the described terminal identity mark correspondence that described bill signal generating unit generates
Single.
In such scheme, described bill signal generating unit, receive specifically for basis and carry terminal identity mark
Virtual SIM card business information generate each of virtual SIM card terminal corresponding to described terminal identity mark and lead to
The technical account of letter operator；Using the total cost of technical account corresponding for each common carrier described as institute
State the subscriber's account of virtual SIM card terminal corresponding to terminal identity mark.
In such scheme, described first receives unit, is applied particularly to reception and deciphers described virtual SIM card
The means of payment configuration information of the encryption that terminal sends；The described terminal means of payment include following at least one
The mode of paying: virtual SIM card bill payment, bank card pays；
When the described terminal means of payment includes that bank card pays, described means of payment configuration information is also taken
With being applied to the bank card information that bank card pays；Described device also includes the first transmitting element；
Described first transmitting element, for receiving, by described first, the means of payment configuration information that unit receives
In the encryption of described bank card information after be sent to Third-party payment platform, described bank card information is for described
Third-party payment platform carries out bank card legitimate verification and Trading Authorization；
Described first receives unit, be additionally operable to receive bank card that described Third-party payment platform sends legal and
Transaction authorization information.
In such scheme, described bill payment unit, it is additionally operable to the void applying described terminal identity mark corresponding
Intend the subscriber's account of virtual SIM card terminal corresponding to terminal identity mark described in SIM bill payment to virtual
SIM operator；
Or,
Described bill payment unit, is additionally operable to the virtual SIM card terminal of the terminal identity mark correspondence generated
Subscriber's account and described first receive unit receive described bank card information encryption after be sent to the 3rd
Side's payment platform, the subscriber's account of the virtual SIM card terminal that described terminal identity mark is corresponding and described silver
Row card information pays described terminal identity mark correspondence for bank card described in described Third-party payment platform application
The subscriber's account of virtual SIM card terminal to virtual SIM card operator；
Described first receives unit, is additionally operable to receive the subscriber's account payment that described Third-party payment platform sends
Complete information.
In such scheme, described device also includes: the first transmitting element, wherein,
Described first transmitting element, the terminal identity for described bill signal generating unit being generated identifies corresponding
The subscriber's account of virtual SIM card terminal and described bill payment unit pay described terminal identity mark correspondence
The payment result of subscriber's account of virtual SIM card terminal be sent to described virtual SIM card terminal.
A kind of virtual SIM card terminal, described virtual SIM card terminal includes:
Processing unit, for obtaining the means of payment configuration information of described virtual SIM card terminal；
Second transmitting element, obtains for sending described processing unit to virtual SIM card billing management server
Means of payment configuration information；Described means of payment configuration information carries terminal identity mark and terminal
The means of payment, described means of payment configuration information is used for making virtual SIM card billing management server according to described
The terminal means of payment pays the subscriber's account of virtual SIM card terminal corresponding to described terminal identity mark.
In such scheme, described second transmitting element, specifically for virtual SIM card billing management server
Send the means of payment configuration information that the described processing unit of encryption obtains；The described terminal means of payment include with
At least one means of payment lower: virtual SIM card bill payment, bank card pays.
In such scheme, described virtual SIM card terminal also includes: the second reception unit, wherein,
Described second receives unit, for receiving the described virtual of virtual SIM card billing management server transmission
The subscriber's account of SIM terminal and pay the payment result of subscriber's account of described virtual SIM card terminal.
Embodiments providing payment methods and the device of a kind of virtual SIM card terminal, user has only to
A means of payment configuration letter is sent to virtual SIM card billing management server by virtual SIM card terminal
Breath；Accordingly, after virtual SIM card billing management server generates the subscriber's account of virtual SIM terminal, just
The subscriber's account of described virtual SIM card terminal can be paid according to the means of payment in means of payment configuration information,
Compared with carrying out paying with prior art for each number, embodiment of the present invention method is for virtual SIM card
Terminal, once pays the subscriber's account of described virtual SIM card terminal, simple to operate, meets user intelligent
Demand with hommization.
Accompanying drawing explanation
The payment methods schematic flow sheet of a kind of virtual SIM card terminal that Fig. 1 provides for the embodiment of the present invention 1；
The charging system block diagram of a kind of virtual SIM card terminal that Fig. 2 provides for the embodiment of the present invention 2；
The payment methods schematic flow sheet of a kind of virtual SIM card terminal that Fig. 3 provides for the embodiment of the present invention 2；
The structured flowchart of the payment device of a kind of virtual SIM card terminal that Fig. 4 provides for the embodiment of the present invention 3；
The structured flowchart of a kind of virtual SIM card terminal that Fig. 5 provides for the embodiment of the present invention 3.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clearly
Chu, it is fully described by.
Embodiment 1
Embodiments provide the payment methods of a kind of virtual SIM card terminal, be applied to virtual SIM card
Billing management server, as it is shown in figure 1, the handling process of the present embodiment method comprises the following steps:
What step 101, basis received carries the virtual SIM card business information generation of terminal identity mark eventually
The subscriber's account of the virtual SIM card terminal that end identity is corresponding.
Here, the virtual SIM card business information of virtual SIM card terminal is taken by virtual SIM card operational control
Business device sends；Virtual SIM card service managing server is responsible for realizing virtual SIM card operator to described void
Intend SIM terminal provide related service function server, example, described virtual SIM card terminal in
State uses domestic mobile number, enters this state when the user of described virtual SIM card terminal goes abroad to go on business
During communication network, in order to solve the roaming problem of traditional SIM card, virtual SIM card service managing server is just
The number of this state's communication network, described virtual SIM card can be suitable for described virtual SIM card terminal distribution one
Terminal will apply this newly assigned number to carry out the business such as speech business, business of networking in this state；Further,
The virtual SIM card business that described virtual SIM card terminal can be carried out by virtual SIM card service managing server
Information is sent to virtual SIM card billing management server.Described virtual SIM card business information carries end
End identity, this terminal identity represents for identifying the virtual SIM that this virtual SIM card business information is corresponding
Card terminal.
It is empty that virtual SIM card billing management server can calculate these according to described virtual SIM card business information
Intend the expense that SIM card service is corresponding, and then generate the virtual SIM card terminal that described terminal identity mark is corresponding
Subscriber's account.
Virtual SIM card billing management server can be according to relevant configuration such as the payment policies of virtual SIM card terminal
Triggering bill settlement of transactions flow process, corresponding strategies here can be daily to pay or Monthly Payment, if pressing
It is paid, then virtual SIM card billing management server can all generate this day described virtual SIM card terminal every day
Subscriber's account, then carry out payment flow；If Monthly Payment, then virtual SIM card billing management service
Device can generate the subscriber's account of virtual SIM card terminal described in this month in last day monthly, then carries out
Payment flow.
Owing to described virtual SIM card terminal may be in different common carriers within the different time periods
In communication network, the number under application different operators communicates, virtual SIM card billing management server
Described terminal identity mark can be generated according to receiving the virtual SIM card business information carrying terminal identity mark
Know the technical account of each common carrier of corresponding virtual SIM card terminal；By each communication operation described
The total cost of the technical account that business is corresponding is as the use of the virtual SIM card terminal of described terminal identity mark correspondence
Family bill.Example, such as the virtual SIM of the virtual SIM card terminal that SIM card service management server sends
Card business information is that the number A under mobile operator has carried out A1 business, A2 business, A3 business, empty
Intending SIM billing management server will be according to each service charging in A1 business, A2 business, A3 business
Standard, the business calculating mobile operator spends, then can generate the technical account of mobile operator: A1 industry
Business+A2 business+A3 business totally 20 yuan；It is similar to, the technical account of telecom operators: B1 business+B2
Business+B3 business totally 20 yuan, the technical account of operator of UNICOM: C1 business+C2 business+C3 business is altogether
20 yuan.The subscriber's account of virtual SIM card terminal is the total cost of the technical account that each common carrier is corresponding
Totally 60 yuan.
Step 102, reception means of payment configuration information.
Means of payment configuration information described here is sent by virtual SIM card terminal；Wherein, described payer
Formula configuration information carries terminal identity mark and the terminal means of payment.
The means of payment configuration information of the virtual SIM card terminal of storage in virtual SIM card billing management server
Being the configuration of virtual SIM card terminal, the user of virtual SIM card terminal can enter according to the practical situation of oneself
Row configuration, is then sent to virtual SIM card billing management server by virtual SIM card terminal.Described payment
Mode configuration information carries terminal identity mark and the terminal means of payment, described terminal means of payment bag
Include at least one means of payment following: virtual SIM card bill payment, bank card pays.Prop up in described terminal
The mode of paying includes when bank card pays, and described means of payment configuration information also carries and is applied to bank card and props up
The bank card information paid, the generally card number of bank card.Virtual SIM card account is virtual SIM card terminal pair
The account answered, i.e. one the corresponding virtual SIM card account of terminal identity mark, virtual SIM card account
Family is used for paying virtual SIM card terminal and carries out the expense of miscellaneous service generation, and it is then to this void that bank card pays
Intend one bank card of SIM terminal binding, pay virtual SIM card terminal with this bank card and carry out various industry
The expense that business produces.
Step 103, pay the virtual SIM that described terminal identity mark is corresponding according to the described terminal means of payment
The subscriber's account of card terminal.
The means of payment in the means of payment configuration information of described virtual SIM card terminal is virtual SIM card account
Pay, then virtual SIM card billing management server applies the virtual SIM card that described terminal identity mark is corresponding
Bill payment institute；The means of payment in the means of payment configuration information of described virtual SIM card terminal is bank card
Pay, then virtual SIM card billing management server application bank card is traded clearing.If described virtual SIM
The means of payment in the means of payment configuration information of card terminal is first to use virtual SIM card bill payment, virtual
Pay with bank card during SIM account balance deficiency, then virtual SIM card billing management server uses virtual
SIM account is traded clearing, if virtual SIM card account balance deficiency is settled accounts unsuccessfully, then virtual SIM
Card charging management server reapplies bank card and is traded clearing.
Using virtual SIM card account mode to be traded clearing, each virtual SIM card terminal is to there being one
Virtual SIM card account, carrys out corresponding mark also by terminal identity mark；Virtual SIM card billing management service
Device can pay this means of payment according to virtual SIM card account mode in the means of payment configuration information received
The subscriber's account of the virtual SIM card terminal that terminal identity mark is corresponding, virtual SIM card charging in configuration information
Management server applies terminal identity mark described in the virtual SIM card bill payment that described terminal identity mark is corresponding
Know the subscriber's account of corresponding virtual SIM card terminal to virtual SIM card operator.
Using bank card mode to be traded clearing, virtual SIM card billing management server is by terminal identity mark
It is sent to third party after the subscriber's account of the virtual SIM card terminal that knowledge is corresponding and the encryption of described bank card information
Payment platform carries out billing settlement.Third-party payment platform passes through bank's dedicated network and the business on bank backstage
Server communicates, and gets paid the confirmation of Trading Authorization, obtain after the issuer of bank card verifies
After bank payment settlement confirms, the financial private network by bank applies described bank card payment terminal identity mark
The subscriber's account knowing corresponding virtual SIM card terminal props up to virtual SIM card operator, the most described third party
Pay platform subscriber's account has paid information to be sent to virtual SIM card billing management server.
After virtual SIM card operator obtains these expenses, can be given by these reimbursement of expense according to pre-defined rule should
Each common carrier in virtual SIM card terminal.Pre-defined rule described here is runed by virtual SIM card
Business and each common carrier are held consultation acquisition.
Embodiments provide the payment methods of a kind of virtual SIM card terminal, be applied to virtual SIM card
Terminal, the handling process of the present embodiment method comprises the following steps:
Step S1, the means of payment configuration information sent to virtual SIM card billing management server.
Described means of payment configuration information carries terminal identity identify and the terminal means of payment, described
Pay mode configuration information to be used for making virtual SIM card billing management server pay according to the described terminal means of payment
The subscriber's account of the virtual SIM card terminal that described terminal identity mark is corresponding.
In the present embodiment method, user has only to by virtual SIM card terminal to virtual SIM card accounting management
Server sends a means of payment configuration information, and so, virtual SIM card billing management server generates void
After intending the subscriber's account of SIM terminal, will pay described according to the means of payment in means of payment configuration information
The subscriber's account of virtual SIM card terminal, carry out paying with prior art for each number compared with, this reality
Execute example method for virtual SIM card terminal, once pay the subscriber's account of described virtual SIM card terminal, behaviour
Make simple, meet the intelligent demand with hommization of user.
Embodiment 2
Embodiments providing the payment methods of a kind of virtual SIM card terminal, described method is based on figure
Payment system shown in 3 realizes, as in figure 2 it is shown, this payment system includes: virtual SIM card terminal 201,
Wide area network 202, virtual SIM card billing management server 203, virtual SIM card service managing server 204,
Third-party payment platform 205；Wherein,
Virtual SIM card terminal 201, can be support virtual SIM card mobile broadband service (MBB,
Mobile Broadband) terminal such as product (such as wireless router, data card) and mobile phone, virtual SIM
Card terminal 201 can be by wide area network 202 and virtual SIM card billing management server 203 and virtual SIM
Card business management server 204 communicates.
Virtual SIM card billing management server 203, is to be responsible for realizing user charges in virtual SIM card system
Process related service and realize the server of logic, including: realize the relevant means of payment of virtual SIM card terminal
Configuration service, subscriber's account management business, subscriber's account account settlement business.
Virtual SIM card service managing server 204, is to be responsible for realizing virtual SIM in virtual SIM card system
Card operator provides the user with the server of related service function.
Third-party payment platform 205, is the payment platform of virtual SIM card operator protocol, virtual SIM card
Service managing server 204 can by Third-party payment platform 205 complete the relevant transaction of user charges and
Clearing, Third-party payment platform 205 has been responsible for and bank's dedicated network and the service server on bank backstage
Related communication.
As it is shown on figure 3, the handling process of described method comprises the following steps:
Means of payment configuration flow step 301-304:
Step 301, virtual SIM card terminal send described virtual to virtual SIM card billing management server
The means of payment configuration information of SIM terminal.
Described means of payment configuration information carries terminal identity mark and the terminal means of payment, described end
The end means of payment includes at least one means of payment following: virtual SIM card bill payment, bank card pays.
When the described terminal means of payment includes that bank card pays, described means of payment configuration information also carries should
The bank card information paid for bank card, the generally card number of bank card.Virtual SIM card account is virtual
The account that SIM terminal is corresponding, is used for paying virtual SIM card terminal and carries out the expense of miscellaneous service generation
With, it is then to one bank card of this virtual SIM card terminal binding that bank card pays, and pays with this bank card
Virtual SIM card terminal carries out the expense of miscellaneous service generation.
Terminal identity mark can be the data certificate in virtual SIM card terminal, it is also possible to be that other can be known
The mark of other virtual SIM card terminal identity.
The terminal means of payment that user can select to virtual SIM card terminal input user, described terminal pays
Mode can be virtual SIM card bill payment, can be that bank card pays, it is also possible to be first to use virtual SIM
Card bill payment, pays with bank card when virtual SIM card account balance deficiency, and user can be according to oneself
Practical situation be set.When the terminal means of payment that user selects includes that bank card pays, user
Also need to be applied to the information of the bank card that bank card pays to the input of described virtual SIM card terminal, generally
The card number of bank card.
For the safety of mode configuration information transmission of guaranteeing payment, data signature technology can be used payment
After mode configuration information is encrypted, it is then forwarded to virtual SIM card billing management server.
Virtual SIM card terminal can be support virtual SIM card mobile broadband service (MBB,
Mobile Broadband) terminal such as product (such as wireless router, data card) and mobile phone, virtual SIM
Card terminal can send means of payment configuration information by wide area network to virtual SIM card billing management server.
After virtual SIM card billing management server receives means of payment configuration information, first application data label
Means of payment configuration information is decrypted by name technology, it is thus achieved that terminal identity mark and the terminal means of payment,
If the terminal means of payment includes that bank card pays, carry out step 302, if in the terminal means of payment not
Pay including bank card and then carry out step 304.
Step 302, virtual SIM card billing management server are by described in described means of payment configuration information
Bank card information is sent to Third-party payment platform.
In the process, described virtual SIM card billing management server still uses data signature technology to silver
After row card information is encrypted, it is then forwarded to Third-party payment platform
Step 303, Third-party payment platform carry out Information Authentication and Trading Authorization according to described bank card information,
And legal for described bank card information and mandate transaction information is sent to virtual SIM card billing management server
Third-party payment platform is communicated by the service server of bank's dedicated network and bank backstage, root
After the issuer of this bank card verifies, the confirmation of Trading Authorization is got paid according to described bank card information.Should
Bank card information confirm legal effectively after, by legal for associated bank card information and authorize the information of transaction to be sent to
Virtual SIM card billing management server, so that virtual SIM card billing management server performs step 304.
Associated bank card information do not conform to rule directly return relevant error information give as described in virtual SIM card charging
Management server, is notified this bank card of virtual SIM card terminal by described virtual SIM card billing management server
Illegal.
Step 304, virtual SIM card billing management server update and store propping up of described virtual SIM card terminal
Pay mode configuration information.
After virtual SIM card billing management server receives means of payment configuration information, first application data label
Means of payment configuration information is decrypted by name technology, it is thus achieved that terminal identity mark and the terminal means of payment,
If the terminal means of payment does not includes that bank card pays, virtual SIM card billing management server just updates to be deposited
Store up described means of payment configuration information, the i.e. corresponding terminal means of payment storing its virtual SIM card terminal；As
Really the terminal means of payment do not include bank card pay then virtual SIM card billing management server through step
In 302 and 303 after the authentication vs. authorization of Third-party payment platform, then update storage described means of payment configuration
Information.
After above-mentioned means of payment configuration flow terminates, can follow the steps below according to the means of payment of configuration complete
One-tenth payment flow:
Step 305, virtual SIM card billing management server receive virtual SIM card service managing server and send out
Send carry terminal identity mark virtual SIM card business information.
Virtual SIM card service managing server is responsible for realizing virtual SIM card operator to described virtual SIM
The server of the related service function that card terminal provides, example, described virtual SIM card terminal makes in China
With domestic mobile number, enter the communication of this state when the user of described virtual SIM card terminal goes abroad to go on business
During network, in order to solve the roaming problem of traditional SIM card, virtual SIM card service managing server will be given
Described virtual SIM card terminal distribution one is suitable for the number of this state's communication network, described virtual SIM card terminal
This newly assigned number will be applied to carry out the business such as speech business, business of networking in this state；And virtual SIM
The virtual SIM card business information that described virtual SIM card terminal is carried out can be sent to by card business management server
Virtual SIM card billing management server.Described virtual SIM card business information carries terminal identity mark,
This terminal identity represents for identifying the virtual SIM card terminal that this virtual SIM card business information is corresponding.
The virtual SIM that step 306, virtual SIM card billing management server identify according to described terminal identity
Card business information generates the subscriber's account of virtual SIM card terminal corresponding to terminal identity mark.
Virtual SIM card billing management server can be relevant according to the payment policies of described virtual SIM card terminal etc.
Configuration triggers bill settlement of transactions flow process, and corresponding strategies here can be daily to pay or Monthly Payment, if
Being daily to pay, virtual SIM card billing management server can all generate this day described virtual SIM card every day eventually
The subscriber's account of end, then carries out payment flow；If Monthly Payment then virtual SIM card billing management service
Device can generate the subscriber's account of virtual SIM card terminal described in this month in last day monthly, then carries out
Payment flow.
Owing to described virtual SIM card terminal may be in different common carriers within the different time periods
In communication network, the number under application different operators communicates, virtual SIM card billing management server
Described terminal identity mark can be generated according to receiving the virtual SIM card business information carrying terminal identity mark
Know the technical account of each common carrier of corresponding virtual SIM card terminal；By each communication operation described
The total cost of the technical account that business is corresponding is as the use of the virtual SIM card terminal of described terminal identity mark correspondence
Family bill.Example, such as the virtual SIM of the virtual SIM card terminal that SIM card service management server sends
Card business information is that the number A under mobile operator has carried out A1 business, A2 business, A3 business, empty
Intending SIM billing management server will be according to each service charging in A1 business, A2 business, A3 business
Standard, the business calculating mobile operator spends, then can generate the technical account of mobile operator: A1 industry
Business+A2 business+A3 business totally 20 yuan；It is similar to, the technical account of telecom operators: B1 business+B2
Business+B3 business totally 20 yuan, the technical account of operator of UNICOM: C1 business+C2 business+C3 business is altogether
20 yuan.The subscriber's account of virtual SIM card terminal is the total cost of the technical account that each common carrier is corresponding
Totally 60 yuan.
Step 307, virtual SIM card billing management server pay described end according to the described terminal means of payment
The subscriber's account of the virtual SIM card terminal that end identity is corresponding.
The means of payment in the means of payment configuration information of described virtual SIM card terminal is virtual SIM card account
Pay, then virtual SIM card billing management server uses virtual SIM card account to be traded clearing；Described
The means of payment in the means of payment configuration information of virtual SIM card terminal is that bank card pays, then virtual SIM
Card charging management server application bank card is traded clearing.If the payer of described virtual SIM card terminal
The means of payment in formula configuration information is first to use virtual SIM card bill payment, at virtual SIM card account balance
Pay with bank card time not enough, then virtual SIM card billing management server uses virtual SIM card account to carry out
Settlement of transactions, if virtual SIM card account balance deficiency is settled accounts unsuccessfully, then virtual SIM card billing management service
Device reapplies bank card and is traded clearing.
Using virtual SIM card account mode to be traded clearing, each virtual SIM card terminal is to there being one
Virtual SIM card account, carrys out corresponding mark also by terminal identity mark；Virtual SIM card billing management service
Device can pay this means of payment according to virtual SIM card account mode in the means of payment configuration information received
The subscriber's account of the virtual SIM card terminal that terminal identity mark is corresponding, virtual SIM card charging in configuration information
Management server applies terminal identity mark described in the virtual SIM card bill payment that described terminal identity mark is corresponding
Know the subscriber's account of corresponding virtual SIM card terminal to virtual SIM card operator.
Using bank card mode to be traded clearing, virtual SIM card billing management server is by terminal identity mark
It is sent to third party after the subscriber's account of the virtual SIM card terminal that knowledge is corresponding and the encryption of described bank card information
Payment platform carries out billing settlement.Third-party payment platform passes through bank's dedicated network and the business on bank backstage
Server communicates, and gets paid the confirmation of Trading Authorization, obtain after the issuer of bank card verifies
After bank payment settlement confirms, the financial private network by bank applies described bank card payment terminal identity mark
Know the subscriber's account of corresponding virtual SIM card terminal to virtual SIM card operator.
After virtual SIM card operator obtains these expenses, can be given by these reimbursement of expense according to pre-defined rule should
Each common carrier in virtual SIM card terminal.Pre-defined rule described here is runed by virtual SIM card
Business and each common carrier are held consultation acquisition.
Virtual SIM card billing management server pays according to the means of payment in described means of payment configuration information
After the subscriber's account of described virtual SIM card terminal, described virtual SIM card can be updated according to this payment result
The subscriber's account information of terminal, charging the most again.
Payment result is notified virtual SIM card business pipe by step 308, virtual SIM card billing management server
Reason server.
Virtual SIM card service managing server can be according to payment result according to the business of virtual SIM card operator
Logical process strategy processes the respective fictional SIM card service of corresponding virtual SIM card terminal.
Step 309, virtual SIM card billing management server are by the subscriber's account of described virtual SIM card terminal
And the payment result paying the subscriber's account of described virtual SIM card terminal is sent to described virtual SIM card eventually
End.
If using virtual SIM card bill payment, then virtual SIM during virtual SIM card billing management server
Card charging management server can be by described subscriber's account and the subscriber's account paying described virtual SIM card terminal
After the information such as virtual SIM card account balance be sent to described virtual SIM card terminal.
In above-mentioned flow process, in order to ensure that the data interaction between each equipment of safety is required for using data label
The data of transmission are encrypted by name technology, terminal identity mark can be used to carry out data signature, be so
Ensure that safety, may indicate that again current step for virtual SIM terminal.
In the present embodiment method, virtual SIM card billing management server generates user's account of virtual SIM terminal
Dan Hou, can pay the user of described virtual SIM card terminal according to the means of payment in means of payment configuration information
Bill, carries out paying compared with paying for each number with prior art, and the present embodiment method is for virtual
SIM terminal, once pays the subscriber's account of described virtual SIM card terminal, simple to operate, meets user
The intelligent demand with hommization.
Embodiment 3
The embodiment of the present invention additionally provides the payment device of a kind of virtual SIM card terminal, and this device can be arranged
On virtual SIM card billing management server, as shown in Figure 4, shown device includes: bill signal generating unit
401, the first reception unit 402, bill payment unit 403, wherein,
Bill signal generating unit 401, for according to the virtual SIM card industry carrying terminal identity mark received
Business information generates the subscriber's account of virtual SIM card terminal corresponding to terminal identity mark；
First receives unit 402, is used for receiving means of payment configuration information, and wherein, the described means of payment is joined
Confidence breath carries terminal identity mark and the terminal means of payment；
Bill payment unit 403, props up for the described terminal received according to described first reception unit 402
The mode of paying pays the virtual SIM card terminal of the terminal identity mark correspondence that described bill signal generating unit 401 generates
Subscriber's account.
Described first receives unit 402, specifically for receiving and decipher what described virtual SIM card terminal sent
The means of payment configuration information of encryption；Described means of payment configuration information carries terminal identity mark and
The terminal means of payment, the described terminal means of payment includes at least one means of payment following: virtual SIM card account
Family pays, and bank card pays.
When the described terminal means of payment includes that bank card pays, described means of payment configuration information is also taken
With being applied to the bank card information that bank card pays；As shown in Figure 4, described device also includes: first
Send unit 404, wherein,
Described first transmitting element 404, is additionally operable to receive, by described first, the payer that unit 402 receives
Described bank card information in formula configuration information is sent to Third-party payment platform, and described bank card information is used for
Described Third-party payment platform carries out bank card legitimate verification and Trading Authorization；
Described first receives unit 402, is additionally operable to receive bank's engaging that described Third-party payment platform sends
Method and transaction authorization information.
Described bill payment unit 403, specifically for applying the virtual SIM of described terminal identity mark correspondence
The subscriber's account of the virtual SIM card terminal that terminal identity mark described in card bill payment is corresponding is to virtual SIM card
Operator；
Or,
Described bill payment unit 403, specifically for described bill signal generating unit is generated by terminal identity
The subscriber's account of the virtual SIM card terminal that mark is corresponding and described first receives the institute that unit 402 receives
Being sent to Third-party payment platform after stating bank card information encryption, described terminal identity identifies the virtual of correspondence
The subscriber's account of SIM terminal and described bank card information are for described in described Third-party payment platform application
Bank card pays the subscriber's account of virtual SIM card terminal corresponding to described terminal identity mark to virtual SIM card
Operator；
Described first receives unit 402, is additionally operable to receive the subscriber's account that described Third-party payment platform sends
Payment completes information.
Described first transmitting element 404, for the terminal identity mark described bill signal generating unit 401 generated
Subscriber's account and the described bill payment unit 403 of knowing corresponding virtual SIM card terminal pay described terminal
The payment result of the subscriber's account of the virtual SIM card terminal that identity is corresponding is sent to described virtual SIM card
Terminal.
The embodiment of the present invention additionally provides a kind of virtual SIM card terminal, as it is shown in figure 5, this virtual SIM
Card terminal includes: processing unit 501 and the second transmitting element 502.
Processing unit 501, for obtaining the means of payment configuration information of described virtual SIM card terminal；
Second transmitting element 502, for sending described processing unit to virtual SIM card billing management server
501 means of payment configuration informations obtained；Described means of payment configuration information carries terminal identity mark
And the terminal means of payment, described means of payment configuration information is used for making virtual SIM card billing management server
User's account of virtual SIM card terminal corresponding to described terminal identity mark is paid according to the described terminal means of payment
Single.
Described second transmitting element 502, specifically for sending encryption to virtual SIM card billing management server
Described processing unit 501 obtain means of payment configuration information；The described terminal means of payment include with down to
Few a kind of means of payment: virtual SIM card bill payment, bank card pays.
Described virtual SIM card terminal also includes: second receives unit, and wherein, described second receives unit,
For receive virtual SIM card billing management server send described virtual SIM card terminal subscriber's account with
And pay the payment result of the subscriber's account of described virtual SIM card terminal.
In actual applications, described bill signal generating unit 401, first receives unit 402, bill payment unit
403, the first transmitting element 404 can be by the central authorities' process being positioned on virtual SIM card billing management server
Device (CPU), microprocessor (MPU), digital signal processor (DSP) or field programmable gate array
Etc. (FPGA) device realizes.Described processing unit the 501, second transmitting element 502 can be virtual by being positioned at
Central processing unit (CPU) in SIM terminal, microprocessor (MPU), digital signal processor (DSP)
Or the device such as field programmable gate array (FPGA) realizes.
Those skilled in the art are it should be appreciated that embodiments of the invention can be provided as method, system or meter
Calculation machine program product.Therefore, the present invention can use hardware embodiment, software implementation or combine software and
The form of the embodiment of hardware aspect.And, the present invention can use and wherein include calculating one or more
The computer-usable storage medium of machine usable program code (includes but not limited to disk memory and optical storage
Device etc.) form of the upper computer program implemented.
The present invention is with reference to method, equipment (system) and computer program according to embodiments of the present invention
Flow chart and/or block diagram describe.It should be understood that can be by computer program instructions flowchart and/or side
Flow process in each flow process in block diagram and/or square frame and flow chart and/or block diagram and/or the knot of square frame
Close.Can provide these computer program instructions to general purpose computer, special-purpose computer, Embedded Processor or
The processor of other programmable data processing device is to produce a machine so that by computer or other can
The instruction that the processor of programming data processing equipment performs produces for realizing in one flow process or multiple of flow chart
The device of the function specified in flow process and/or one square frame of block diagram or multiple square frame.
These computer program instructions may be alternatively stored in and can guide computer or other programmable data processing device
In the computer-readable memory worked in a specific way so that be stored in this computer-readable memory
Instruction produces the manufacture including command device, and this command device realizes at one flow process of flow chart or multiple stream
The function specified in journey and/or one square frame of block diagram or multiple square frame.
These computer program instructions also can be loaded in computer or other programmable data processing device, makes
Sequence of operations step must be performed to produce computer implemented place on computer or other programmable devices
Reason, thus the instruction performed on computer or other programmable devices provides for realizing flow chart one
The step of the function specified in flow process or multiple flow process and/or one square frame of block diagram or multiple square frame.
The above, only presently preferred embodiments of the present invention, it is not intended to limit the protection model of the present invention
Enclose.
Claims (16)
1. the payment methods of a virtual SIM card terminal, it is characterised in that described method includes:
The virtual SIM card business information carrying terminal identity mark according to receiving generates terminal identity mark
The subscriber's account of corresponding virtual SIM card terminal；
Receive means of payment configuration information, wherein, described means of payment configuration information carries terminal identity
Mark and the terminal means of payment；
The use of virtual SIM card terminal corresponding to described terminal identity mark is paid according to the described terminal means of payment
Family bill.
Method the most according to claim 1, it is characterised in that what described basis received carries terminal
The virtual SIM card business information of identity generates the use of virtual SIM card terminal corresponding to terminal identity mark
Family bill, including:
Described terminal identity mark is generated according to receiving the virtual SIM card business information carrying terminal identity mark
Know the technical account of each common carrier of corresponding virtual SIM card terminal；
The total cost of technical account corresponding for each common carrier described is right as described terminal identity mark
The subscriber's account of the virtual SIM card terminal answered.
Method the most according to claim 1, it is characterised in that described reception means of payment configuration information
Including:
Receive and decipher the means of payment configuration information of the encryption that described virtual SIM card terminal sends；Described
Pay and mode configuration information carries terminal identity mark and the terminal means of payment, the described terminal means of payment
Including at least one means of payment following: virtual SIM card bill payment, bank card pays；
When the described terminal means of payment includes that bank card pays, described means of payment configuration information is also taken
With being applied to the bank card information that bank card pays；Now, described according to the payment of the described terminal means of payment
Before the subscriber's account of the virtual SIM card terminal that described terminal identity mark is corresponding, described method also includes:
It is sent to Third-party payment after described bank card information in described means of payment configuration information being encrypted put down
Platform, described bank card information carries out bank card legitimate verification for described Third-party payment platform and transaction is awarded
Power；
Receive that described Third-party payment platform sends bank card is legal and transaction authorization information.
Method the most according to claim 3, it is characterised in that described according to the described terminal means of payment
Pay the subscriber's account of virtual SIM card terminal corresponding to described terminal identity mark, including:
Apply terminal identity mark correspondence described in the virtual SIM card bill payment of described terminal identity mark correspondence
The subscriber's account of virtual SIM card terminal to virtual SIM card operator；
Or,
Subscriber's account and the described bank card information of virtual SIM card terminal corresponding for terminal identity mark are added
Third-party payment platform, the user of the virtual SIM card terminal that described terminal identity mark is corresponding it is sent to after close
Bill and described bank card information pay described end for bank card described in described Third-party payment platform application
The subscriber's account of the virtual SIM card terminal that end identity is corresponding is to virtual SIM card operator；Receive described
The subscriber's account that Third-party payment platform sends has paid information.
Method the most according to claim 1, it is characterised in that propping up according to the described terminal means of payment
After paying the subscriber's account of virtual SIM card terminal corresponding to described terminal identity mark, described method also includes:
By the subscriber's account of described virtual SIM card terminal and user's account of paying described virtual SIM card terminal
Single payment result is sent to described virtual SIM card terminal.
6. the payment methods of a virtual SIM card terminal, it is characterised in that described method includes:
The means of payment configuration information sent to virtual SIM card billing management server；The described means of payment is joined
Carrying terminal identity mark and the terminal means of payment in confidence breath, described means of payment configuration information is used for
Virtual SIM card billing management server is made to pay described terminal identity mark according to the described terminal means of payment right
The subscriber's account of the virtual SIM card terminal answered.
Method described in 6 the most as requested, it is characterised in that described to virtual SIM card accounting management clothes
The means of payment configuration information that business device sends, including:
The means of payment configuration information of encryption is sent to virtual SIM card billing management server；Described terminal is propped up
The mode of paying includes at least one means of payment following: virtual SIM card bill payment, bank card pays.
Method described in 6 the most as requested, it is characterised in that described to virtual SIM card accounting management clothes
After the means of payment configuration information that business device sends, described method also includes:
Receive virtual SIM card billing management server send described virtual SIM card terminal subscriber's account with
And pay the payment result of the subscriber's account of described virtual SIM card terminal.
9. the payment device of a virtual SIM card terminal, it is characterised in that described device includes:
Bill signal generating unit, for according to the virtual SIM card business letter carrying terminal identity mark received
Breath generates the subscriber's account of virtual SIM card terminal corresponding to terminal identity mark；
First receives unit, is used for receiving means of payment configuration information, wherein, described means of payment configuration letter
Breath carries terminal identity mark and the terminal means of payment；
Bill payment unit, props up for the described terminal means of payment received according to described first reception unit
Pay user's account of the virtual SIM card terminal of the described terminal identity mark correspondence that described bill signal generating unit generates
Single.
Device the most according to claim 9, it is characterised in that
Described bill signal generating unit, specifically for according to receiving the virtual SIM card carrying terminal identity mark
Business information generates the industry of each common carrier of virtual SIM card terminal corresponding to described terminal identity mark
Business bill；Using the total cost of technical account corresponding for each common carrier described as described terminal identity mark
Know the subscriber's account of corresponding virtual SIM card terminal.
11. devices according to claim 9, it is characterised in that described first receives unit, specifically
It is applied to receive and decipher the means of payment configuration information of the encryption that described virtual SIM card terminal sends；Described
The terminal means of payment includes at least one means of payment following: virtual SIM card bill payment, bank card pays；
When the described terminal means of payment includes that bank card pays, described means of payment configuration information is also taken
With being applied to the bank card information that bank card pays；Described device also includes the first transmitting element；
Described first transmitting element, for receiving, by described first, the means of payment configuration information that unit receives
In the encryption of described bank card information after be sent to Third-party payment platform, described bank card information is for described
Third-party payment platform carries out bank card legitimate verification and Trading Authorization；
Described first receives unit, be additionally operable to receive bank card that described Third-party payment platform sends legal and
Transaction authorization information.
12. devices according to claim 11, it is characterised in that
Described bill payment unit, is additionally operable to the virtual SIM card account applying described terminal identity mark corresponding
Pay the subscriber's account of virtual SIM card terminal corresponding to described terminal identity mark to virtual SIM card operation
Business；
Or,
Described bill payment unit, is additionally operable to the virtual SIM card terminal of the terminal identity mark correspondence generated
Subscriber's account and described first receive unit receive described bank card information encryption after be sent to the 3rd
Side's payment platform, the subscriber's account of the virtual SIM card terminal that described terminal identity mark is corresponding and described silver
Row card information pays described terminal identity mark correspondence for bank card described in described Third-party payment platform application
The subscriber's account of virtual SIM card terminal to virtual SIM card operator；
Described first receives unit, is additionally operable to receive the subscriber's account payment that described Third-party payment platform sends
Complete information.
13. devices according to claim 9, it is characterised in that described device also includes: first
Send unit, wherein,
Described first transmitting element, the terminal identity for described bill signal generating unit being generated identifies corresponding
The subscriber's account of virtual SIM card terminal and described bill payment unit pay described terminal identity mark correspondence
The payment result of subscriber's account of virtual SIM card terminal be sent to described virtual SIM card terminal.
14. 1 kinds of virtual SIM card terminals, it is characterised in that described virtual SIM card terminal includes:
Processing unit, for obtaining the means of payment configuration information of described virtual SIM card terminal；
Second transmitting element, obtains for sending described processing unit to virtual SIM card billing management server
Means of payment configuration information；Described means of payment configuration information carries terminal identity mark and terminal
The means of payment, described means of payment configuration information is used for making virtual SIM card billing management server according to described
The terminal means of payment pays the subscriber's account of virtual SIM card terminal corresponding to described terminal identity mark.
15. virtual SIM card terminals described in 14 as requested, it is characterised in that
Described second transmitting element, specifically for sending the institute of encryption to virtual SIM card billing management server
State the means of payment configuration information that processing unit obtains；The described terminal means of payment include following at least one
The mode of paying: virtual SIM card bill payment, bank card pays.
16. virtual SIM card terminals described in 14 as requested, it is characterised in that described virtual SIM card
Terminal also includes: the second reception unit, wherein,
Described second receives unit, for receiving the described virtual of virtual SIM card billing management server transmission
The subscriber's account of SIM terminal and pay the payment result of subscriber's account of described virtual SIM card terminal.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510333732.7A CN106327172B (en) | 2015-06-17 | 2015-06-17 | Payment method and device for virtual SIM card terminal |
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|---|---|---|---|
| CN201510333732.7A CN106327172B (en) | 2015-06-17 | 2015-06-17 | Payment method and device for virtual SIM card terminal |
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| CN106327172B CN106327172B (en) | 2021-10-22 |
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| CN106327172B (en) | 2021-10-22 |
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