CN110740431B - Mobile communication fee payment method and system based on converged credit control - Google Patents
Mobile communication fee payment method and system based on converged credit control Download PDFInfo
- Publication number
- CN110740431B CN110740431B CN201910971341.6A CN201910971341A CN110740431B CN 110740431 B CN110740431 B CN 110740431B CN 201910971341 A CN201910971341 A CN 201910971341A CN 110740431 B CN110740431 B CN 110740431B
- Authority
- CN
- China
- Prior art keywords
- mobile communication
- payment
- module
- service
- user
- 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.)
- Active
Links
Images
Classifications
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/24—Accounting or billing
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L12/00—Data switching networks
- H04L12/02—Details
- H04L12/14—Charging, metering or billing arrangements for data wireline or wireless communications
- H04L12/1403—Architecture for metering, charging or billing
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L12/00—Data switching networks
- H04L12/02—Details
- H04L12/14—Charging, metering or billing arrangements for data wireline or wireless communications
- H04L12/1453—Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L12/00—Data switching networks
- H04L12/02—Details
- H04L12/14—Charging, metering or billing arrangements for data wireline or wireless communications
- H04L12/1453—Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network
- H04L12/1464—Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network using a card, such as credit card, prepay card or SIM
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/09—Third party charged communications
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/66—Policy and charging system
Landscapes
- Engineering & Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a communication fee payment method and a system based on converged credit control, which combine the advantages of the existing mature technical scheme and the services with the service characteristics and the advantages of the services in different fields, give consideration to the advantages of mobile communication service providers, banks and mobile communication users, and get through the field of mobile communication credit control, the field of bank credit control and payment and the consumption domain of the mobile communication users. The system comprises a mobile communication operator IT support domain and a cooperative bank IT support domain; the mobile communication operator IT support domain comprises a first service acceptance module, an original signal control module, a fusion signal control module, a power-on stopping module and a charging accounting module; the cooperative bank IT support domain comprises a second business acceptance module and a converged payment module. Compared with the prior art, the method and the system realize more convenient and safe payment service, reduce the defaulting risk and the management cost of the mobile operator, improve the quality of the credit control service, and transfer the defaulting risk to a professional third party with more risk prevention and control capability.
Description
Technical Field
The invention belongs to the field of mobile communication fee payment and credit control, and particularly relates to a mobile communication fee payment method and system based on converged credit control.
Background
The technical scheme similar to the invention has three types:
the communication charge payment service based on the credit control mode developed by the mobile communication operator based on the service characteristics of the mobile communication operator generally comprises two types of postpaid (user uses and pays fee first) and prepaid service (user pays fee first and uses fee later), whether communication service is continuously provided for the user subsequently or not is based on the credit system defined by the communication consumption condition and the payment condition of the user and other communication operators.
And (II) public service departments such as water, electricity and gas, etc. sign a collection agreement with banks and users, and the banks collect the water, electricity and gas charges of the users according to the collection agreement and through an agreement payment mode every month.
And (III) credit card consumption business (including pre-authorization and the like) issued by the bank, when a credit card holder cooperates with a bank signing framework to agree with a merchant (or a business platform) to purchase products or services, payment is carried out through a credit card (if the bank or a user agrees, the payment can be carried out by using other appointed bank cards), and if the payment is successful, the appointed products or services are provided by a product or service provider. Potential risks such as overdraft, default return, etc. of the credit card holder are borne by the bank party. The business is widely applied to various industries such as hotels, retail, electronic commerce and the like, and is also a business vigorously developed by various banks at present.
The three technical schemes similar to the invention have different defects in the aspect of solving the payment of the mobile communication field:
the mobile communication operator has a charge payment mode under a credit control mode, and an independent third party mechanism or platform with high credibility and public credibility for both the operator and the user is lacked, so that the post-payment mode provided by the operator is basically undeveloped, and the pre-payment mode is mainly developed. The mode has the defects that operators need to invest a large amount of manpower, material resources, time and other costs to solve increasingly complex business and service problems, including charging system construction, credit control system construction, payment channel, reminding service and the like, because of the complexity of mobile communication services, the extremely complex characteristics of the charging and charging rules after the whole-course whole-network charging services are used, the restriction of a self-owned credit control system on users is insufficient, the uncertainty of user consumption amount and the like; secondly, the operator still has a high-risk arrearage risk, the default cost of the user is low (high arrearage, card abandonment, network transfer and the like), the cost of the surcharge of the default money is high, and the generated bad account can be digested only by the user; thirdly, although the prepayment service reduces the arrearage risk to a certain extent, the consumption will of the user is restrained from the other side, and the expansion of the mobile communication service is not facilitated; communication service quality enjoyed by the user is not easy to guarantee (payment information or payment channels are not easy to obtain in certain scenes such as night, abroad, field and the like when the user arrears shutdown, and the user may encounter problems such as the system of an operator and the like when the user pays startup and does not start up in time), so that service disputes are easy to cause; in the mode, even if the mobile operator and the bank have a withholding agreement, the bank only exists as a supplementary payment channel, and the bank does not replace the mobile operator to bear any loss caused by default of the user and has no driving force to enable the bank to be willing to bear the responsibility.
And (II) the services of water, electricity, gas and the like withheld by banks are developed due to the factors that service providers have stronger administrative execution capacity, simple charging rules, strong user traceability, small user consumption amount (the traceability of users with large consumption amounts in organs, units, enterprises and the like is stronger), small user change probability, controllable user default cost and the like. In the mobile communication field, the above-described advantageous factors are not basically provided, and therefore, such a mode is difficult to develop in the mobile communication field.
And (III) the consumption business of the bank credit card (or the credit guarantee of the third party) is developed because the product or service provided by the product or service provider has simple charging rules, less continuity exists in single product or service provision, the consumption amount of the user can be expected, the single consumption mode is simpler, the public trust of the bank party is stronger, and the bank party (or the third party) can obtain enough benefits through the business mode and has stronger default risk prevention and control and clearing capacity. For the mobile communication field, the credit card consumption business of the bank cannot be introduced into the mobile communication field simply due to the characteristics of the mobile communication field and the defects of the scheme thereof in the first point (first) and the second point (second). So far, it is a good proof that the mobile communication field has not introduced the consumption business of bank credit card in the aspect of payment. At present, part of areas have been cooperated with third parties to develop arrearage small amount guarantee service trial points in the mobile communication field, but the problems of qualification, survival capability and the like of the third parties still remain a potential risk for mobile communication operators.
Disclosure of Invention
The invention provides a communication charge payment method and system based on converged credit control, which combines the advantages of the mature technical scheme and the services with the service characteristics and the advantages of the services in different fields, gives consideration to the benefits of mobile communication service providers, banks (or third parties) and mobile communication users, and gets through the mobile communication credit control field, the bank (or third party) credit control and payment field and the mobile communication user consumption field.
The technical problem to be solved by the invention is realized by the following technical scheme:
the invention provides a mobile communication fee payment system based on converged credit control, which is characterized in that: the system comprises a mobile communication operator IT support domain and a cooperative bank IT support domain; the mobile communication operator IT support domain comprises a first service acceptance module, an original signal control module, a fusion signal control module, a power-on stopping module and a charging accounting module; the cooperative bank IT support domain comprises a second business acceptance module and a convergence payment module; wherein the content of the first and second substances,
the first business handling module is responsible for handling the business request of the mobile communication user, performing signal interaction with the second business handling module of the IT support domain of the cooperative bank, and storing information after the signal interaction into the fusion signal control module;
the original credit control module is a module used for controlling the credit of a client in the existing mobile communication expense payment system;
the fusion credit control module is responsible for receiving the information submitted by the first business acceptance module, performing credit control management and performing signal interaction with the IT support domain fusion payment module of the cooperative bank;
the startup and shutdown module is responsible for sending startup and shutdown instructions aiming at the user to the communication core network;
the charging accounting module is responsible for completing cost calculation on communication consumption behaviors of the mobile communication user and initiating a credit checking request to the fusion communication control module;
the second service acceptance module is responsible for accepting the service request of the mobile communication user, performing signal interaction with the first service acceptance module of the IT support domain of the mobile communication operator, and storing information after the signal interaction into the fusion payment module;
and the fusion payment module is responsible for receiving the information submitted by the second service acceptance module and performing information interaction with the fusion communication control module of the mobile communication operator.
Preferably, after receiving the billing and accounting module credit control request, the fusion credit control module first determines whether the billing and accounting module is a subscriber; if the user is not a signed user, the information control request is forwarded to the original information control module; if the user is a signed user, carrying out signal control judgment, calculating the amount of money to be paid and initiating a payment request to a bank side convergence payment module; and if the payment is successful, submitting subsequent payment to be processed, and if the payment is unsuccessful, initiating a credit control request to the original credit control module.
Preferably, the fusion credit control module performs credit control judgment and calculates the amount of money to be paid according to one or a combination of a plurality of information of user consumption information, carrier side credit limit information, carrier side fund account information and payment modes.
Preferably, after receiving the payment request of the operator fusion credit control module, the fusion payment module judges whether the payment condition is met; and if the payment request is in accordance with the bank account, responding to the payment request and deducting the corresponding cost of the user in the bank side fund account, and if the payment request is not in accordance with the bank account, feeding back rejection information.
Preferably, after the first service acceptance module and/or the second service acceptance module accepts and confirms that the subscriber changes the key information or suspends and terminates the mobile communication fee payment service based on the converged credit control, the accepted information is updated to the corresponding converged credit control module and/or converged payment module.
Preferably, after the second service acceptance module of the cooperative bank accepts the user subscription request, the second service acceptance module initiates the request to the first service acceptance module of the operator and transmits the information of the subscription user; and if the request is rejected, the service acceptance is terminated, and if the request is passed, the information and the information of the user at the bank side are transmitted to the converged payment module for storage.
Preferably, when the service needs to be actively terminated and suspended due to a mobile communication operator or a cooperative bank, the converged credit control module and the converged payment module execute an operation of updating the information of the signed user.
A pay-by-date method for use in a mobile communication fee payment system based on converged credit control, comprising:
step 1, the mobile communication user submits a communication fee payment application to a cooperative bank through the second service acceptance module, and the cooperative bank or a third party submits user information to the first service acceptance module of the mobile communication operator to request for opening a payment service by date through the second service acceptance module;
step 2, after the first service acceptance module of the mobile communication operator receives the service opening request of the cooperative bank or the third party, the first service acceptance module verifies the first service according to the requirement condition of the mobile communication operator; if the verification is passed, the information is fed back to the cooperative bank or a third party, and the cooperative bank handles subsequent procedures; if the verification fails, the cooperative bank or the third party is informed to terminate the service and open;
step 3, after receiving the verification passing information of the mobile communication operator through the second business acceptance module, the cooperative bank or the third party transacts the subsequent procedures with the applicant and gives a certificate, and meanwhile, the successful transacting information is fed back to the mobile operator;
step 4, after receiving the successful information of the cooperative bank or the third-party service, the mobile communication operator performs credit control on the user paying the communication fee on schedule by adopting a first-use and later-payment mode from the date of the promissory payment mode; after the signed user reaches the payment deadline, the fusion credit control module initiates a communication fee payment request to a cooperative bank or a third party fusion payment module according to the current total consumption amount of the signed user; the cooperative bank or the third party pays the request communication fee to the mobile communication operator from the credit card payment account agreed with the applicant according to the payment request of the mobile communication operator; after receiving payment from the cooperative bank or the third party, the mobile communication operator continues to provide communication service for the signed user; if the payment fails, the mobile communication operator fuses the credit control module to indicate the original credit control module to carry out credit control according to the original credit control rule of the mobile communication operator;
step 5, when the service is required to be stopped or suspended due to the mobile communication user, the service is required to be stopped or suspended through a service acceptance channel provided by a mobile communication operator, a cooperative bank or a third party and the currently owed communication fee is settled, and the mobile communication operator recovers the original credit control mode of the user; when the service is required to be stopped or suspended due to the mobile communication operator, the cooperative bank or the third party, the mobile communication operator, the cooperative bank or the third party automatically stops or suspends the service and processes the current unsettled communication cost of the user according to the agreement of the two parties, and the mobile communication operator recovers the original credit control mode of the user;
in addition, when the key information of the mobile communication user changes, the service change is carried out through a service acceptance channel provided by a mobile communication operator, a cooperative bank or a third party, namely the first service acceptance module or the second service acceptance module.
Preferably, the payment period is month, ten or day.
A quota payment method used in the mobile communication fee payment system based on the converged credit control, comprising:
step 1, the mobile communication user submits a communication fee payment application to a cooperative bank through the second service acceptance module, and the cooperative bank or a third party submits user information to the mobile communication operator service acceptance module 1 to request for opening a payment service by date through the second service acceptance module;
step 2, after the first service acceptance module of the mobile communication operator receives the service opening request of the cooperative bank or the third party, the first service acceptance module verifies the first service according to the requirement condition of the mobile communication operator; if the verification is passed, the information is fed back to the cooperative bank or a third party, and the cooperative bank handles subsequent procedures; if the verification fails, the cooperative bank or the third party is informed to terminate the service and open;
step 3, after receiving the verification passing information of the mobile communication operator through the second business acceptance module, the cooperative bank or the third party transacts the subsequent procedures with the applicant and gives a certificate, and meanwhile, the successful transacting information is fed back to the mobile operator;
step 4, after receiving the successful information of the cooperative bank or the third-party service transaction, the mobile communication operator performs credit control on the quota payment communication fee user in a first-use and later-payment mode from the date of the effective promissory payment mode; after the consumption amount of the subscriber exceeds the payment amount, the fusion credit control module initiates a communication fee payment request to a cooperative bank or a third party fusion payment module according to the current consumption total amount of the subscriber; the cooperative bank or the third party pays the request communication fee to the mobile communication operator from the credit card payment account agreed with the applicant according to the payment request of the mobile communication operator; after receiving payment from the cooperative bank or the third party, the mobile communication operator continues to provide communication service for the signed user; if the payment fails, the mobile communication operator fuses the credit control module to indicate the original credit control module to carry out credit control according to the original credit control rule of the mobile communication operator;
step 5, when the service is required to be stopped or suspended due to the mobile communication user, the service is required to be stopped or suspended through a service acceptance channel provided by a mobile communication operator, a cooperative bank or a third party and the currently owed communication fee is settled, and the mobile communication operator recovers the original credit control mode of the user; when the service is required to be stopped or suspended due to the mobile communication operator, the cooperative bank or the third party, the mobile communication operator, the cooperative bank or the third party automatically stops or suspends the service and processes the current unsettled communication cost of the user according to the agreement of the two parties, and the mobile communication operator recovers the original credit control mode of the user;
in addition, when the key information of the mobile communication user changes, the service change is carried out through a service acceptance channel provided by a mobile communication operator, a cooperative bank or a third party, namely the first service acceptance module or the second service acceptance module.
Compared with the prior art, the invention has the advantages that firstly, more convenient and safe payment service is realized, the defaulting risk and the management cost of the mobile operator are reduced, the quality of the communication control service is improved, secondly, the defaulting risk is transferred to a professional third party with risk prevention and control capability, thirdly, a huge consumption running water which is meaningless for the mobile operator is introduced to the third party concerned with the consumption running water and the subsequent income thereof, fourthly, the user can really use the mobile operator without paying for the mobile operator, fifthly, the mobile operator does not need to develop a payment channel, and the investment and the operation cost are saved.
Drawings
Fig. 1 is a block diagram of a mobile communication fee payment system based on converged credit control according to the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail with reference to the following embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
As shown in fig. 1, a framework diagram of a mobile communication charge payment system based on converged credit control according to the present invention, the mobile communication charge payment system based on converged credit control is composed of a mobile communication operator IT support domain and a partner bank IT support domain. A first business acceptance module is added to an IT support domain of a mobile communication operator on the basis of an original signal control module, a power-on stopping module and a charging accounting module, and the signal control module is fused.
The original credit control module is the module for controlling the credit of the client in the existing mobile communication expense payment system. And the fusion credit control module is responsible for receiving the information submitted by the first business acceptance module, performing credit control management and performing signal interaction with the fusion payment module of the IT support domain of the cooperative bank. And the startup and shutdown module is responsible for sending startup and shutdown instructions aiming at the user to the communication core network. And the charging accounting module is responsible for completing the charge calculation of the communication consumption behavior of the mobile communication user and initiating a credit checking request to the fusion communication control module.
The mobile communication operator adds a first business acceptance module in the IT support domain, and is responsible for accepting the business request of the mobile communication user and carrying out signal interaction with a second business acceptance module in the IT support domain of the cooperative bank, and information is stored in the fusion signal control module after the interaction; the mobile communication operator adds a fusion information control module in the IT support domain, and is responsible for receiving information submitted by the business acceptance module 1, performing information control management and performing signal interaction with the fusion payment module of the IT support domain of the cooperative bank; the cooperative bank is additionally provided with a second business acceptance module in the IT support domain, is responsible for accepting the business request of the mobile communication user and carrying out signal interaction with the first business acceptance module in the IT support domain of the mobile communication operator, and information is stored in the fusion payment module after the interaction; and the cooperative bank adds a converged payment module in the IT support domain of the cooperative bank and is responsible for receiving the information submitted by the second business acceptance module and carrying out information interaction with the mobile communication operator converged communication control module.
The following is a detailed signal flow for the service system:
1. after receiving a signing request of a user, a second business receiving module of the cooperative bank initiates a request to a first business receiving module of an operator, and information such as a mobile phone number, a name, a certificate number, a payment mode and the like of the signing user is transmitted; if the request is rejected, the service acceptance is terminated, and if the request is passed, the information and information of the user on a bank side fund account and the like are transmitted to the converged payment module for storage;
2. after receiving the request initiated by the bank side, the first service acceptance module of the operator judges according to the service rule of the operator, and terminates service acceptance if rejecting the request; if the request passes, the information sent by the bank side and the confidence of the user in the operator side fund account and the like are transmitted to the converged information control module;
3. when a mobile communication user generates communication consumption behavior, after the operator accounting module finishes the cost calculation, the credit control request of the operator accounting module is adjusted to be a request initiated to the fusion credit control module from the original credit control module;
4. after receiving the accounting control request of the accounting module, the fusion accounting control module judges whether the accounting control request is a signed user or not, and if the accounting control request is not the signed user, the fusion accounting control module forwards the accounting control request to the original accounting control module; if the user is a signing user, carrying out information control judgment, calculating the amount of money to be paid according to user consumption information, operator side credit limit information, operator side fund account information, a payment mode and the like, and initiating a payment request to a bank side fusion payment module; if the payment is successful, submitting subsequent payment to account processing, and if the payment is unsuccessful, initiating an information control request to the original information control module;
5. the fusion payment module judges whether a payment condition is met or not after receiving a payment request of the operator fusion credit control module, if yes, the fusion payment module responds to the payment request and deducts the corresponding cost of the user in a bank side fund account, and if not, refusal information is fed back;
6. when the key information of the signing user changes or the service needs to be suspended and terminated, such as a mobile phone number, a name, an identity document, a payment mode and the like, the signing user actively moves to a mobile communication operator or a cooperative bank to change the service, and continues or suspends and terminates the service after being accepted and confirmed by service accepting systems of the two parties; the service acceptance modules of both parties update the corresponding fusion credit control module or fusion payment module with the accepted information;
7. when the service needs to be actively stopped and suspended due to the mobile communication operator or the cooperative bank, for example, the user leaves the network, the credit card has been overdrawn, and the like, the corresponding off-network and credit card management module updates the information of the signed user to the corresponding converged credit control module and the converged payment module.
The premise for realizing the technical scheme of the application is that a mobile communication operator and a cooperative bank (or a third party) sign a frame agreement according to two modes (two mode and three mode) similar to the prior technical scheme, the respective rights and obligations of the mobile communication operator, the cooperative bank (or the third party) and a mobile communication user are agreed, the cooperative bank (or the third party) signs a contract with the mobile communication user, and the following two payment methods or service schemes are implemented after the agreement of the mobile communication user:
(one) pay communication fee on a time-by-time basis
1. After the mobile communication user submits the application for paying the communication fee to the cooperative bank, the cooperative bank (or a third party) provides two choices of paying by time (if meeting the bank requirement condition) or paying the communication fee by quota to the applicant according to the credit rating of the mobile communication user in the bank and other factors, if the applicant chooses the paying by time mode (if the applicant chooses paying by quota, the implementation is carried out according to a second mode), the cooperative bank (or a third party) submits key information such as the mobile phone number, the name, the certificate number, the payment mode (payment by date), the payment deadline (all the month, ten days, day and the like), the effective time of the payment mode, the account number of a credit card agreed by the agreement (the account number of the credit card can not be provided, or other payment card numbers agreed by the cooperative bank and the applicant) of the user to a mobile communication operator to request for opening the service;
2. after receiving the service opening request of the cooperative bank (or the third party), the mobile communication operator verifies the service according to the requirement conditions (which can be defined by the mobile communication operator but need to be declared in the framework protocol), and if the verification is passed, the service is fed back to the cooperative bank (or the third party), and the cooperative bank handles the subsequent procedures; if the verification fails, the cooperative bank (or a third party) is informed to terminate the service opening;
3. after receiving the verification passing information of the mobile communication operator, the cooperative bank (or a third party) transacts subsequent procedures with the applicant and gives a certificate, and meanwhile, feeds back the successful transacting information to the mobile operator;
4. after receiving the information of successful business transaction of the cooperative bank (or the third party), the mobile communication operator performs credit control on the user paying the communication fee on schedule by adopting a first-use and later-payment mode from the date of the effective promissory payment mode: after the subscriber reaches the payment deadline, initiating a communication fee payment request to a cooperative bank (or a third party) according to the current total consumption amount of the subscriber (whether the credit line and the pre-paid amount of the mobile communication subscriber enjoyed by the mobile communication operator are deducted or not, and the mobile communication operator can negotiate with the cooperative bank or the third party), the cooperative bank (or the third party) paying the request communication fee to the mobile communication operator from a credit card payment account agreed with the applicant according to the mobile communication operator payment request, and the mobile communication operator continuously providing communication service for the subscriber after receiving the payment fee of the cooperative bank (or the third party); if the payment fails, the mobile communication operator performs credit control according to the original credit control rule of the mobile communication operator (at this point, the mobile communication operator and a cooperative bank can also agree to adopt a forced payment success mode);
5. and (3) service change: when key information of a mobile communication user (the key information refers to key information related to service provision in point 1) changes (such as user passing, data change, payment mode change, credit card account information change and the like), service change is carried out through a service acceptance channel provided by a mobile communication operator or a cooperative bank (or a third party);
6. service termination or suspension: when the service is required to be stopped or suspended due to the mobile communication user, the service is required to be stopped or suspended through a service acceptance channel provided by a mobile communication operator or a cooperative bank (or a third party) and the currently owed communication fee is settled, and the mobile communication operator recovers the original credit control mode of the user; when the service is required to be terminated or suspended (such as the user leaves the network, the credit card is overdrawn, and the like) due to the mobile communication operator or the cooperative bank (or the third party), the mobile communication operator or the cooperative bank (or the third party) terminates or suspends the service by self and processes the communication fee which is not settled currently by the user according to the agreement of the two parties, and the mobile communication operator recovers the original credit control mode of the user.
(II) paying communication fee in fixed amount
1. After a mobile communication user submits a communication fee payment application to a cooperative bank, the cooperative bank (or a third party) provides a quota communication fee payment mode for an applicant according to factors such as credit rating of the mobile communication user in the bank, and if the applicant agrees, the cooperative bank (or the third party) submits key information such as a mobile phone number, a name, a certificate number, a payment mode, a payment amount, payment mode effective time, an agreement payment credit card account number (the credit card account number can not be provided, and the agreement bank and the applicant can agree other payment card numbers) and the like to a mobile communication operator to request to open a service;
2. after receiving the service opening request of the cooperative bank (or the third party), the mobile communication operator verifies the service according to the requirement conditions (which can be defined by the mobile communication operator but need to be declared in the framework protocol), and if the verification is passed, the service is fed back to the cooperative bank (or the third party), and the cooperative bank handles the subsequent procedures; if the verification fails, the cooperative bank (or a third party) is informed to terminate the service opening;
3. after receiving the verification passing information of the mobile communication operator, the cooperative bank (or a third party) transacts subsequent procedures with the applicant and gives a certificate, and meanwhile, feeds back the successful transacting information to the mobile operator;
4. after receiving the information of successful business transaction of the cooperative bank (or the third party), the mobile communication operator performs credit control on the quota payment communication fee user in a first-use and later-payment mode from the date of the effective promissory payment mode: when the consumption amount of the subscriber exceeds the payment amount, the mobile communication operator initiates a communication expense payment request to a cooperative bank (or a third party) according to the current total consumption amount of the subscriber (whether the credit amount and the pre-paid amount of the mobile communication user enjoyed by the mobile communication operator are deducted or not, and the mobile communication operator can negotiate with the cooperative bank or the third party), the cooperative bank (or the third party) pays the requested communication expense to the mobile communication operator from the cooperative bank (or the third party) and an applicant appointed credit card payment account according to the mobile communication operator payment request, and the mobile communication operator continues to provide communication service for the subscriber after receiving the payment expense of the cooperative bank (or the third party); if the payment fails, the mobile communication operator performs credit control according to the original credit control rule of the mobile communication operator (at this point, the mobile communication operator and a cooperative bank can also agree to adopt a forced payment success mode);
5. and (3) service change: when key information of a mobile communication user (the key information refers to key information related to service provision in point 1) changes (such as user passing, data change, payment mode change, credit card account information change and the like), service change is carried out through a service acceptance channel provided by a mobile communication operator or a cooperative bank (or a third party);
6. service termination or suspension: when the service is required to be stopped or suspended due to the mobile communication user, the service is required to be stopped or suspended through a service acceptance channel provided by a mobile communication operator or a cooperative bank (or a third party) and the currently owed communication fee is settled, and the mobile communication operator recovers the original credit control mode of the user; when the service is required to be terminated or suspended (such as the user leaves the network, the credit card is overdrawn, and the like) due to the mobile communication operator or the cooperative bank (or the third party), the mobile communication operator or the cooperative bank (or the third party) terminates or suspends the service right and processes the communication fee which is not settled currently by the user according to the agreement of the two parties, and the mobile communication operator recovers the original credit control mode of the user.
(III) Others
For a small number of postpaid users currently existing in the mobile communication operator, the mobile communication operator can decide whether to implement or maintain the existing credit control mode according to the above payment mode (one) or (two).
Claims (10)
1. A mobile communication fee payment system based on converged credit control is characterized in that: the system comprises a mobile communication operator IT support domain and a cooperative bank or a third party IT support domain; the mobile communication operator IT support domain comprises a first service acceptance module, an original signal control module, a fusion signal control module, a power-on stopping module and a charging accounting module; the cooperative bank or the third-party IT support domain comprises a second business acceptance module and a converged payment module; wherein the content of the first and second substances,
the first business handling module is responsible for handling the business request of the mobile communication user, performing signal interaction with the second business handling module of the IT support domain of the cooperative bank, and storing information after the signal interaction into the fusion signal control module;
the original credit control module is a module used for controlling the credit of a client in the existing mobile communication expense payment system;
the integrated information control module is used for receiving the information submitted by the first business acceptance module, performing information control management and performing signal interaction with the integrated payment module of the IT support domain of the cooperative bank, and the information interaction between the integrated information control module and the integrated payment module of the IT support domain of the cooperative bank can support the business mode that a mobile communication subscriber pays after using the mobile communication subscriber;
the startup and shutdown module is responsible for sending startup and shutdown instructions aiming at the user to the communication core network;
the charging accounting module is responsible for completing cost calculation on communication consumption behaviors of the mobile communication user and initiating a credit checking request to the fusion communication control module;
the second service acceptance module is responsible for accepting the service request of the mobile communication user, performing signal interaction with the first service acceptance module of the IT support domain of the mobile communication operator, and storing information after the signal interaction into the fusion payment module;
and the fusion payment module is responsible for receiving the information submitted by the second service acceptance module and performing information interaction with the fusion communication control module of the mobile communication operator.
2. The converged credit control-based mobile communication charges payment system of claim 1, wherein: after receiving the billing and accounting module signaling and controlling request, the fusion signaling and controlling module firstly judges whether the billing and accounting module is a signed user; if the user is not a signed user, the information control request is forwarded to the original information control module; if the user is a signed user, carrying out signal control judgment, calculating the amount of money to be paid and initiating a payment request to a bank side convergence payment module; and if the payment is successful, submitting subsequent payment to be processed, and if the payment is unsuccessful, initiating a credit control request to the original credit control module.
3. The converged credit control-based mobile communication charges payment system of claim 2, wherein: the fusion credit control module carries out credit control judgment and calculates the amount of money to be paid according to one or a combination of a plurality of information of user consumption information, carrier side credit limit information, carrier side fund account information and payment modes.
4. The converged credit control-based mobile communication charges payment system of claim 1, wherein: the converged payment module judges whether the payment condition is met or not after receiving a payment request of the operator converged credit control module; and if the payment request is in accordance with the bank account, responding to the payment request and deducting the corresponding cost of the user in the bank side fund account, and if the payment request is not in accordance with the bank account, feeding back rejection information.
5. The converged credit control-based mobile communication charges payment system of claim 1, wherein: and after the first service acceptance module and/or the second service acceptance module accepts and confirms that the subscriber changes key information or suspends and terminates the mobile communication fee payment service based on the converged credit control, updating the accepted information to the corresponding converged credit control module and/or converged payment module.
6. The converged credit control-based mobile communication charges payment system of claim 1, wherein: after the second business acceptance module of the cooperative bank accepts the user signing request, the second business acceptance module initiates the request to the first business acceptance module of the operator and transmits the signing user information; and if the request is rejected, the service acceptance is terminated, and if the request is passed, the information and the information of the user at the bank side are transmitted to the converged payment module for storage.
7. The converged credit control-based mobile communication charges payment system of claim 1, wherein: and when the service needs to be actively stopped and suspended due to the mobile communication operator or the cooperative bank, the converged credit control module and the converged payment module execute the operation of updating the information of the signed user.
8. A pay-by-date method for use with the converged credit control-based mobile communication charges payment system of claim 1, comprising:
step 1, the mobile communication user submits a communication fee payment application to a cooperative bank through the second service acceptance module, and the cooperative bank or a third party submits user information to the first service acceptance module of the mobile communication operator to request for opening a payment service by date through the second service acceptance module;
step 2, after the first service acceptance module of the mobile communication operator receives the service opening request of the cooperative bank or the third party, the first service acceptance module verifies the first service according to the requirement condition of the mobile communication operator; if the verification is passed, the information is fed back to the cooperative bank or the third party, and the cooperative bank or the third party handles the subsequent procedures; if the verification fails, the cooperative bank or the third party is informed to terminate the service and open;
step 3, after receiving the verification passing information of the mobile communication operator through the second business acceptance module, the cooperative bank or the third party transacts the subsequent procedures with the applicant and gives a certificate, and meanwhile, the successful transacting information is fed back to the mobile operator;
step 4, after receiving the successful information of the cooperative bank or the third-party service, the mobile communication operator performs credit control on the user paying the communication fee on schedule by adopting a first-use and later-payment mode from the date of the promissory payment mode; after the signed user reaches the payment deadline, the fusion credit control module initiates a communication fee payment request to a cooperative bank or a third party fusion payment module according to the current total consumption amount of the signed user; the cooperative bank or the third party pays the request communication fee to the mobile communication operator from the credit card payment account agreed with the applicant according to the payment request of the mobile communication operator; after receiving payment from the cooperative bank or the third party, the mobile communication operator continues to provide communication service for the signed user; if the payment fails, the mobile communication operator fuses the credit control module to indicate the original credit control module to carry out credit control according to the original credit control rule of the mobile communication operator;
step 5, when the service is required to be stopped or suspended due to the mobile communication user, the service is required to be stopped or suspended through a service acceptance channel provided by a mobile communication operator, a cooperative bank or a third party and the currently owed communication fee is settled, and the mobile communication operator recovers the original credit control mode of the user; when the service is required to be stopped or suspended due to the mobile communication operator, the cooperative bank or the third party, the mobile communication operator, the cooperative bank or the third party automatically stops or suspends the service and processes the current unsettled communication cost of the user according to the agreement of the two parties, and the mobile communication operator recovers the original credit control mode of the user;
in addition, when the key information of the mobile communication user changes, the service change is carried out through a service acceptance channel provided by a mobile communication operator, a cooperative bank or a third party, namely the first service acceptance module or the second service acceptance module.
9. The pay-per-view method of claim 8, wherein: the payment period is a month, ten days, or a day.
10. A quota payment method for use in a converged credit control-based mobile communication charges payment system according to claim 1, comprising:
step 1, the mobile communication user submits a communication fee payment application to a cooperative bank through the second service acceptance module, and the cooperative bank or a third party submits user information to the first service acceptance module of the mobile communication operator to request for opening a payment service by date through the second service acceptance module;
step 2, after the first service acceptance module of the mobile communication operator receives the service opening request of the cooperative bank or the third party, the first service acceptance module verifies the first service according to the requirement condition of the mobile communication operator; if the verification is passed, the information is fed back to the cooperative bank or the third party, and the cooperative bank or the third party handles the subsequent procedures; if the verification fails, the cooperative bank or the third party is informed to terminate the service and open;
step 3, after receiving the verification passing information of the mobile communication operator through the second business acceptance module, the cooperative bank or the third party transacts the subsequent procedures with the applicant and gives a certificate, and meanwhile, the successful transacting information is fed back to the mobile operator;
step 4, after receiving the successful information of the cooperative bank or the third-party service transaction, the mobile communication operator performs credit control on the quota payment communication fee user in a first-use and later-payment mode from the date of the effective promissory payment mode; after the consumption amount of the subscriber exceeds the payment amount, the fusion credit control module initiates a communication fee payment request to a cooperative bank or a third party fusion payment module according to the current consumption total amount of the subscriber; the cooperative bank or the third party pays the request communication fee to the mobile communication operator from the credit card payment account agreed with the applicant according to the payment request of the mobile communication operator; after receiving payment from the cooperative bank or the third party, the mobile communication operator continues to provide communication service for the signed user; if the payment fails, the mobile communication operator fuses the credit control module to indicate the original credit control module to carry out credit control according to the original credit control rule of the mobile communication operator;
step 5, when the service is required to be stopped or suspended due to the mobile communication user, the service is required to be stopped or suspended through a service acceptance channel provided by a mobile communication operator, a cooperative bank or a third party and the currently owed communication fee is settled, and the mobile communication operator recovers the original credit control mode of the user; when the service is required to be stopped or suspended due to the mobile communication operator, the cooperative bank or the third party, the mobile communication operator, the cooperative bank or the third party automatically stops or suspends the service and processes the current unsettled communication cost of the user according to the agreement of the two parties, and the mobile communication operator recovers the original credit control mode of the user;
in addition, when the key information of the mobile communication user changes, the service change is carried out through a service acceptance channel provided by a mobile communication operator, a cooperative bank or a third party, namely the first service acceptance module or the second service acceptance module.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910971341.6A CN110740431B (en) | 2019-10-14 | 2019-10-14 | Mobile communication fee payment method and system based on converged credit control |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910971341.6A CN110740431B (en) | 2019-10-14 | 2019-10-14 | Mobile communication fee payment method and system based on converged credit control |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN110740431A CN110740431A (en) | 2020-01-31 |
| CN110740431B true CN110740431B (en) | 2021-07-09 |
Family
ID=69269992
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910971341.6A Active CN110740431B (en) | 2019-10-14 | 2019-10-14 | Mobile communication fee payment method and system based on converged credit control |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110740431B (en) |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1570984A (en) * | 2004-04-26 | 2005-01-26 | 陶敏 | Account prepaid system and method for bank card consumption communication network |
| CN1848822A (en) * | 2005-04-04 | 2006-10-18 | 华为技术有限公司 | Interactive processing method and system for intelligent network system and payment system |
| CN102281514A (en) * | 2010-09-30 | 2011-12-14 | 吴东辉 | Method and system for charging access fee of terminal of telecom operators or telecom service agencies |
| CN102469432A (en) * | 2010-11-08 | 2012-05-23 | 杜惠红 | Method and system for recharging mobile phone |
| US8260694B1 (en) * | 2008-03-20 | 2012-09-04 | Openmarket, Inc. | System, method, and computer program for managing transaction billing across a plurality of billing sources utilizing an interface to configure advice-of-charge |
| CN108712586A (en) * | 2018-04-12 | 2018-10-26 | 合肥天源迪科信息技术有限公司 | A kind of letter control based reminding method and device |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1365227A (en) * | 2001-03-08 | 2002-08-21 | 申全民 | Bank card paying system for telecommunication fee |
-
2019
- 2019-10-14 CN CN201910971341.6A patent/CN110740431B/en active Active
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1570984A (en) * | 2004-04-26 | 2005-01-26 | 陶敏 | Account prepaid system and method for bank card consumption communication network |
| CN1848822A (en) * | 2005-04-04 | 2006-10-18 | 华为技术有限公司 | Interactive processing method and system for intelligent network system and payment system |
| US8260694B1 (en) * | 2008-03-20 | 2012-09-04 | Openmarket, Inc. | System, method, and computer program for managing transaction billing across a plurality of billing sources utilizing an interface to configure advice-of-charge |
| CN102281514A (en) * | 2010-09-30 | 2011-12-14 | 吴东辉 | Method and system for charging access fee of terminal of telecom operators or telecom service agencies |
| CN102469432A (en) * | 2010-11-08 | 2012-05-23 | 杜惠红 | Method and system for recharging mobile phone |
| CN108712586A (en) * | 2018-04-12 | 2018-10-26 | 合肥天源迪科信息技术有限公司 | A kind of letter control based reminding method and device |
Non-Patent Citations (2)
| Title |
|---|
| 3G时代融合的在线计费技术探索;吴启月、陆道宏;《软件导刊》;20051231;全文 * |
| 新一代电信业务运营支撑系统;顾庆寿 等;《现代电信科技》;20010930;全文 * |
Also Published As
| Publication number | Publication date |
|---|---|
| CN110740431A (en) | 2020-01-31 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US10748127B2 (en) | Payment real-time funds availability | |
| US10769606B2 (en) | Payment real-time funds availability | |
| US20080162348A1 (en) | Electronic-Purse Transaction Method and System | |
| US20060085337A1 (en) | Method and system for using payment cards as a payment option within an online bill payment and presentment solution | |
| HU228541B1 (en) | Method and apparatus for recharging prepaid account for services provided via a convergent communications platform | |
| US20190318354A1 (en) | Secure electronic billing with real-time funds availability | |
| US20180121975A1 (en) | Providing security in electronic real-time transactions | |
| US20130036047A1 (en) | Method, system and process for centralized management and control of a budget and electronic mass distribution of funds | |
| US20170300881A1 (en) | Secure electronic billing and collection with real-time funds availability | |
| US20190378182A1 (en) | Secure electronic billing with real-time funds availability | |
| CN109102384A (en) | Fee payment method and network system | |
| CN111626722B (en) | Cross-border payment method and device | |
| CN105741094A (en) | Payment system for immediately transferring to account and electronic business system | |
| CN111861700A (en) | Account coming supervision method and device | |
| CN101540032A (en) | Payment system and method of third-party payment platform based on HVPS system | |
| CN110740431B (en) | Mobile communication fee payment method and system based on converged credit control | |
| CN111062708A (en) | Payment gateway capable of configuring payment mode according to needs and implementation method | |
| CN110769388B (en) | Mobile communication fee payment method and system based on converged credit control | |
| KR20100107366A (en) | System and method for managing medical expenses settlement by installments using phone bill and recording medium | |
| US8280807B2 (en) | System of transferring and utilising reusable credit | |
| US20030154166A1 (en) | Method for allowing a cash adjustment between payment systems in communications network | |
| JP2002207952A (en) | System and method for suspense receipt management | |
| KR20070053680A (en) | Method for processing complex payment | |
| CN115578090A (en) | System for collecting and refunding fees on court litigation fee line | |
| CN115511605A (en) | Data resource processing method and device |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |