CN114519583A - Payment method and device - Google Patents

Payment method and device Download PDF

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Publication number
CN114519583A
CN114519583A CN202011304533.0A CN202011304533A CN114519583A CN 114519583 A CN114519583 A CN 114519583A CN 202011304533 A CN202011304533 A CN 202011304533A CN 114519583 A CN114519583 A CN 114519583A
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CN
China
Prior art keywords
user
credit investigation
user terminal
sending
module
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CN202011304533.0A
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Chinese (zh)
Inventor
陈明
王新宇
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China United Network Communications Group Co Ltd
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China United Network Communications Group Co Ltd
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Priority to CN202011304533.0A priority Critical patent/CN114519583A/en
Publication of CN114519583A publication Critical patent/CN114519583A/en
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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
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Buyer or seller confidence or verification

Abstract

The invention discloses a payment method and a payment device, wherein the method comprises the following steps: responding to payment request information sent by a user terminal, and acquiring a user credit investigation grade corresponding to the user terminal; under the condition that the credit investigation level of the user is not less than the preset level, generating and sending a user network permission opening request to a core network system so that the core network system opens the network access permission of the user corresponding to the user terminal based on the user network permission opening request; and responding to user network permission opening success information sent by the core network system, generating and sending payable feedback information to the user terminal so that the user terminal can pay in response to the payable feedback information. The invention can realize that the user terminal uses the network to pay in the arrearage state, thereby improving the user experience and increasing the user viscosity.

Description

Payment method and device
Technical Field
The invention relates to the technical field of communication, in particular to a payment method and a payment device.
Background
Currently, mobile terminals (such as mobile phones) are capable of handling more and more things by using mobile communication networks, and the mobile terminals play a greater role in daily life and work of users. However, when the mobile terminal of the current user is in a defaulting condition and the mobile communication network cannot be used due to defaulting, the user is difficult to pay on line by depending on the mobile terminal in the defaulting condition, inconvenience and even loss are brought to the user, and poor user experience is caused.
Disclosure of Invention
Therefore, the invention provides a payment method and a payment device, which aim to solve the problem of poor user experience in the prior art because a user is difficult to finish online payment by depending on a mobile terminal with a defaulting condition.
In order to achieve the above object, a first aspect of the present invention provides a payment method, including:
responding to payment request information sent by a user terminal, and acquiring a user credit investigation grade corresponding to the user terminal;
under the condition that the credit investigation grade of the user is not less than the preset grade, generating and sending a user network permission opening request to a core network system so that the core network system opens the network access permission of the user corresponding to the user terminal based on the user network permission opening request;
and responding to user network authority opening success information sent by the core network system, generating and sending payable feedback information to the user terminal so that the user terminal can pay in response to the payable feedback information.
Preferably, the payable feedback information includes a preset time; after the generating and sending the payable feedback information to the user terminal, the method includes:
if the user corresponding to the user terminal does not pay for the user terminal in the time exceeding the preset time, generating and sending user non-contract payment information to the operator credit investigation system so that the operator credit investigation system can adjust the user credit investigation level according to the user non-contract payment information;
and if the user corresponding to the user terminal pays within the preset time, generating and sending user fulfillment payment information to the operator credit investigation system so that the operator credit investigation system can up-regulate the user credit investigation level based on the user fulfillment payment information.
Preferably, after the generating and sending the payable feedback information to the user terminal, the method further includes:
and if the user corresponding to the user terminal does not pay the fee after the preset time, generating and sending a user network permission closing request to a core network system so that the core network system closes the network access permission of the user corresponding to the user terminal based on the user network permission closing request.
Preferably, after the generating and sending the payable feedback information to the user terminal, the method further includes:
and starting a timer, and inquiring whether the user corresponding to the user terminal pays the fee or not when the timer time of the timer is the same as the preset time.
Preferably, the step of obtaining the credit investigation level of the user corresponding to the user terminal includes:
generating and sending user credit investigation request information to an operator credit investigation system;
and receiving the user credit investigation grade corresponding to the user terminal returned by the operator credit investigation system based on the user credit investigation request information.
The second aspect of the present invention provides a payment device, comprising:
the first acquisition module is used for responding to payment request information sent by a user terminal and acquiring a user credit investigation grade corresponding to the user terminal;
the first generation module is used for generating a user network permission opening request under the condition that the credit investigation level of the user is not less than a preset level;
the first sending module is used for sending a user network permission opening request to a core network system so that the core network system opens the network access permission of a user corresponding to the user terminal based on the user network permission opening request;
the second generation module is used for responding to the successful user network permission opening information sent by the core network system and generating payable feedback information;
and the second sending module is used for sending the payable feedback information to the user terminal so that the user terminal can pay in response to the payable feedback information.
Preferably, the payable feedback information includes a preset time; the device further comprises: a third generating module and a third sending module;
the third generating module is configured to generate user non-contract payment information if the user corresponding to the user terminal does not pay for the fee after the preset time;
the third sending module is configured to send the user non-contract payment information to the operator credit investigation system, so that the operator credit investigation system adjusts the user credit investigation level according to the user non-contract payment information;
the third generating module is further configured to generate user contract payment information if the user corresponding to the user terminal pays within the preset time;
the third sending module is further configured to send the user fulfillment payment information to the operator credit investigation system, so that the operator credit investigation system can adjust up the user credit investigation level based on the user fulfillment payment information.
Preferably, the above apparatus further comprises: a fourth generation module;
the fourth generation module is used for generating a user network permission closing request if the user does not pay the fee after exceeding the preset time;
the first sending module is further configured to send a user network permission closing request to a core network system, so that the core network system closes the network access permission of the user corresponding to the user terminal based on the user network permission closing request.
Preferably, the above apparatus further comprises:
the timing module is used for starting a timer after the second sending module sends the payable feedback information to the user terminal;
and the query module is used for querying whether the user corresponding to the user terminal pays the fee when the timer time of the timer is the same as the preset time.
Preferably, the first obtaining module includes:
the generation sub-module is used for generating a user credit investigation request;
the sending sub-module is used for sending the user credit investigation inquiry request information to the operator credit investigation system;
and the receiving submodule is used for receiving the user credit investigation grade corresponding to the user terminal returned by the operator credit investigation system based on the user credit investigation request information.
The invention has the following advantages:
the invention provides a payment method and a payment device. The method comprises the steps of firstly, responding to payment request information sent by a user terminal, obtaining a user credit investigation level corresponding to the user terminal, generating and sending a user network permission opening request to a core network system under the condition that the user credit investigation level is not less than a preset level so as to enable the core network system to open the network access permission of a user corresponding to the user terminal based on the user network permission opening request, and finally, responding to user network permission opening success information sent by the core network system, generating and sending payable feedback information to the user terminal so as to enable the user terminal to pay in response to the payable feedback information, so that the user terminal can use network payment under the arrearage state, user experience is improved, and user stickiness is increased.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention.
Fig. 1 is a flowchart of a payment method according to an embodiment of the present invention;
fig. 2 is a flowchart of a specific implementation manner of step S101 according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of a payment device according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a first obtaining module according to an embodiment of the present invention;
fig. 5 is a flowchart of another payment method according to an embodiment of the present invention.
In the drawings:
31: the first obtaining module 32: a first generation module
33: the first sending module 34: second generation module
35: the second sending module 41: generating sub-modules
42: the transmission submodule 43: receiving submodule
Detailed Description
The following detailed description of embodiments of the invention refers to the accompanying drawings. It should be understood that the detailed description and specific examples, while indicating the present invention, are given by way of illustration and explanation only, not limitation.
Currently, mobile terminals (such as mobile phones) are capable of handling more and more things by using mobile communication networks, and the mobile terminals play a greater role in daily life and work of users. However, when the mobile terminal of the current user is in a defaulting condition and cannot use the mobile communication network due to defaulting, the user is difficult to pay on line by depending on the mobile terminal in the defaulting condition, which brings inconvenience and even loss to the user and causes poor user experience.
In order to solve the above problem, an embodiment of the present invention provides a payment method. The method may be performed by an operator payment system. As shown in fig. 1, the method comprises the steps of:
step S101, responding to the payment request information sent by the user terminal, and acquiring a user credit investigation grade corresponding to the user terminal.
In one embodiment, when a user triggers (e.g., clicks) a terminal payment module installed in advance on a user terminal, the user terminal generates payment request information according to a terminal identifier and a user identifier (e.g., a mobile phone number), and sends the payment request information to an operator payment system. The payment request information comprises a terminal identification and a user identification. In one embodiment, the terminal payment module of the user terminal may be a terminal payment module in a carrier application installed on the user terminal (e.g., a carrier online business office client). In some implementation scenarios, when a user terminal carried by a user is in arrears and cannot access the mobile network, the user may trigger a terminal payment module of the user terminal to request payment.
In one embodiment, when the user dials the payment number preset by the operator through the user terminal, or when the user sends a short message with predetermined content to the payment number preset by the operator through the user terminal, the user terminal generates payment request information according to the terminal identifier and the user identifier (such as a mobile phone number), and sends the payment request information to the operator payment system, and the operator payment system receives the payment request information in a manner of calling signaling or a short message. It should be noted that, the operation business support system may open a corresponding short message authority and a preset authority to dial a payment number for the user terminal in advance, so that the user terminal may still send the payment request information under the condition of no network owing.
In this embodiment, after receiving the payment request information, the operator payment system performs the step of obtaining the user credit rating corresponding to the user terminal in response to the payment request information sent by the user terminal.
An embodiment of the present invention further provides a specific implementation manner of step S101, and as shown in fig. 2, the step of obtaining a user credit investigation level corresponding to the user terminal includes:
step S201, generating and sending the user credit investigation request information to the operator credit investigation system.
In some embodiments, the operator credit system and the operator payment system are provided with an interface in advance, and can communicate with each other. The operator payment system generates and sends user credit investigation request information to the operator credit investigation system based on the payment request information, wherein the user credit investigation request information comprises a terminal identifier and a user identifier. The operator credit investigation system receives user credit investigation request information, and obtains a user credit investigation grade corresponding to the user identification based on the user identification contained in the user credit investigation request information, and then returns the user credit investigation grade to the operator payment system.
Step S202, receiving the user credit investigation grade corresponding to the user terminal returned by the operator credit investigation system based on the user credit investigation request information. The credit investigation grade of the user is used for measuring the credit of the user, and the higher the credit investigation grade of the user is, the better the credit investigation of the user is.
In one embodiment, after the operator payment system obtains the user credit investigation level corresponding to the user terminal, it is determined whether the user credit investigation level is less than a preset level. The preset grade is a user credit investigation grade preset by an operator payment system. And under the condition that the credit investigation level of the user is less than the preset level, the operator payment system generates feedback information which does not reach the authority level requirement, and sends the feedback information which does not reach the authority level requirement to the user terminal.
And step S102, under the condition that the credit investigation level of the user is not less than the preset level, generating and sending a user network permission opening request to the core network system so that the core network system opens the network access permission of the user corresponding to the user terminal based on the user network permission opening request.
The user network permission opening request comprises a terminal identifier and a user identifier. It should be noted that the credit investigation level of the user is not less than the preset level, which indicates that the user corresponding to the user terminal is a trusted user of the operator, and the operator has less risk of loss incurred for opening a network access right for the user corresponding to the user terminal, and can improve user experience and increase user stickiness.
In one embodiment, the operator payment system generates and sends a user network permission opening request to a core network system under the condition that the credit rating of the user is not less than the preset rating, and then receives user network permission opening success information returned by the core network system.
After the network access authority of the user terminal is opened, the user terminal can be connected with the mobile network and can carry out online payment through the network.
Step S103, responding to the successful information of user network permission opening sent by the core network system, generating and sending payable feedback information to the user terminal, so that the user terminal can pay in response to the payable feedback information.
Specifically, the user terminal responds to the payable feedback information, and can carry out online payment through the network after accessing the mobile network according to the network access authority opened by the core network system. For example, payment is made by accessing a terminal payment module in the operator application program through the network.
The payable feedback information may include a preset time. The preset time can be a time limit preset by the operator payment system for payment of a user corresponding to the user terminal.
In one embodiment, after the operator payment system generates and sends the payable feedback information to the user terminal, a timer is started, and when the timer time of the timer is the same as the preset time, whether the user corresponding to the user terminal pays the fee is inquired. For example, the preset time is 13:45:00 on 3/10/2020; the operator payment system starts a timer, the timer time of the timer is 12:45:00 in 10 month and 3 days in 2020, after one hour, the timer time of the timer is 13:45:00 in 3 months in 10 months in 2020, the timer time of the timer is the same as the preset time, and the operator payment system triggers and executes the step of inquiring whether the user corresponding to the user terminal pays the fee. For example, the operator payment system queries whether the account balance of the user corresponding to the user terminal is positive.
In one embodiment, if the user corresponding to the user terminal does not pay for the user terminal for more than the preset time, the operator payment system generates and sends the user non-contract payment information to the operator credit investigation system, so that the operator credit investigation system adjusts the user credit investigation level according to the user non-contract payment information. For example, the operator credit investigation system may accumulate the number of times of receiving the user non-fulfillment payment information corresponding to the user, and if the number of times of receiving the user non-fulfillment payment information exceeds a first preset number of times, the operator credit investigation system down-regulates the user credit investigation level corresponding to the user, for example, down-regulates the current user credit investigation level of the user by a preset level gear. If the user corresponding to the user terminal pays within the preset time, the operator payment system generates and sends user fulfillment payment information to the operator credit investigation system, so that the operator credit investigation system calls the user credit investigation level based on the user fulfillment payment information, for example, the current user credit investigation level of the user is adjusted up to a preset level gear. For example, the operator credit investigation system may accumulate the number of times of receiving the user performance payment information corresponding to the user, and if the number of times of receiving the user performance payment information exceeds a second preset number of times, the operator credit investigation system invokes the user credit investigation level corresponding to the user.
In one embodiment, in order to protect the benefit of the operator, after the payable feedback information is generated and sent to the user terminal, if the user corresponding to the user terminal does not pay for the fee after the preset time, the operator payment system generates and sends a user network permission closing request to the core network system, so that the core network system closes the network access permission of the user corresponding to the user terminal based on the user network permission closing request.
The payment method provided by the embodiment of the invention comprises the steps of firstly, responding to payment request information sent by a user terminal, obtaining a user credit investigation grade corresponding to the user terminal, generating and sending a user network permission opening request to a core network system under the condition that the user credit investigation grade is not less than a preset grade so as to enable the core network system to open the network access permission of a user corresponding to the user terminal based on the user network permission opening request, and finally, responding to user network permission opening success information sent by the core network system, generating and sending payable feedback information to the user terminal so as to enable the user terminal to pay in response to the payable feedback information, so that the user terminal can use the network for payment under the arrearage state, the user experience is improved, and the user viscosity is increased.
The embodiment of the invention provides a payment device. The device can be arranged in an operator payment system. As shown in fig. 3, the apparatus includes: a first obtaining module 31, a first generating module 32, a first sending module 33, a second generating module 34 and a second sending module 35.
The first obtaining module 31 is configured to obtain a user credit rating corresponding to the user terminal in response to the payment request information sent by the user terminal.
In one embodiment, the payment device further comprises a first receiving module. The first receiving module is used for receiving payment request information sent by a user terminal. For example, the first receiving module receives payment request information sent by the user terminal in a short message manner.
In one embodiment, as shown in fig. 4, the first obtaining module 31 includes: a generation submodule 41, a transmission submodule 42 and a reception submodule 43. The generating submodule 41 is configured to generate a credit investigation request of a user; the sending submodule 42 is used for sending the user credit investigation inquiry request information to the operator credit investigation system; and the receiving submodule 43 is configured to receive a user credit investigation level corresponding to the user terminal returned by the operator credit investigation system based on the user credit investigation query information.
In one embodiment, the payment device further includes a first determination module. The first determining module is configured to determine whether the user credit investigation level is smaller than a preset level after the first obtaining module 31 obtains the user credit investigation level corresponding to the user terminal.
The first generating module 32 is configured to generate a user network permission opening request when the credit rating of the user is not less than the preset rating.
The first sending module 33 is configured to send the user network permission opening request to the core network system, so that the core network system opens the network access permission of the user corresponding to the user terminal based on the user network permission opening request.
The user network permission opening request comprises a terminal identifier and a user identifier. It should be noted that the credit investigation level of the user is not less than the preset level, which indicates that the user corresponding to the user terminal is a trusted user of the operator, and the operator has less risk of loss incurred for opening a network access right for the user corresponding to the user terminal, and can improve user experience and increase user stickiness.
In one embodiment, the payment device further comprises a second receiving module. The second receiving module is configured to receive the user network permission opening success information returned by the core network system after the first sending module 33 sends the user network permission opening request to the core network system.
And the second generating module 34 is configured to generate payable feedback information in response to the user network permission opening success information sent by the core network system.
The second sending module 35 is configured to send the payable feedback information to the user terminal, so that the user terminal can pay in response to the payable feedback information. The payable feedback information may include a preset time.
In one embodiment, the payment device further comprises: timing module and inquiry module. The timing module is configured to start the timer after the second sending module 35 sends the payable feedback information to the user terminal. And the query module is used for querying whether a user corresponding to the user terminal pays the fee or not when the timer time of the timer is the same as the preset time.
In one embodiment, the payment device further comprises: a third generating module and a third sending module. The third generation module is used for generating user non-contract payment information if the user corresponding to the user terminal does not pay for the fee after the preset time. And the third sending module is used for sending the user non-contract payment information to the operator credit investigation system so that the operator credit investigation system can adjust the user credit investigation level according to the user non-contract payment information.
The third generating module is further configured to generate a user contract payment information if the user corresponding to the user terminal pays within the preset time. The third sending module is further configured to send the user fulfillment payment information to the operator credit investigation system, so that the operator credit investigation system invokes a user credit investigation level based on the user fulfillment payment information.
In one embodiment, in order to protect the benefit of the operator, the payment device further includes: and a fourth generation module. The fourth generation module is used for generating a user network permission closing request if the user does not pay for the fee after exceeding the preset time. The first sending module 33 is further configured to send a user network permission closing request to the core network system, so that the core network system closes the network access permission of the user corresponding to the user terminal based on the user network permission closing request.
In the payment device provided by the embodiment of the invention, a first acquisition module responds to payment request information sent by a user terminal to acquire a user credit investigation level corresponding to the user terminal, a first generation module generates a user network permission opening request under the condition that the user credit investigation level is not less than a preset level, and a first sending module sends the user network permission opening request to a core network system so that the core network system opens the network access permission of a user corresponding to the user terminal based on the user network permission opening request; the second generating module responds to the successful user network permission opening information sent by the core network system to generate payable feedback information, and the second sending module sends the payable feedback information to the user terminal so that the user terminal can pay in response to the payable feedback information, the user terminal can use the network for paying in an arrearage state, user experience is improved, and user viscosity is increased.
The working modes of the modules of the payment device provided by this embodiment correspond to the steps of the payment method, and therefore, the detailed working modes of the modules in the payment device can refer to the payment method provided by this embodiment.
The embodiment of the invention provides another payment method, as shown in fig. 5, the method comprises the following steps:
step S501, the user terminal generates and sends payment request information to the operator payment system.
Step S502, the operator payment system responds to the payment request information sent by the user terminal, and generates and sends the user credit investigation request information to the operator credit investigation system.
Step S503, the operator credit investigation system receives the user credit investigation request information, and obtains the user credit investigation grade based on the user credit investigation request information, and then returns the user credit investigation grade to the operator payment system.
Step S504, the operator payment system receives the user credit investigation grade corresponding to the user terminal returned by the operator credit investigation system based on the user credit investigation inquiry request information, and judges whether the user credit investigation grade is less than the preset grade.
And step S505, under the condition that the credit assessment level of the user is less than the preset level, the operator payment system generates feedback information which does not reach the authority level requirement, and sends the feedback information which does not reach the authority level requirement to the user terminal.
Step S506, under the condition that the credit investigation level of the user is not less than the preset level, the operator payment system generates and sends a user network permission opening request to the core network system.
And step S507, the core network system opens the request for opening the network access permission of the user corresponding to the user terminal based on the user network permission, and returns the successful information of the user network permission opening to the operator payment system.
Step S508, the operator payment system responds to the successful user network permission opening information sent by the core network system, generates and sends payable feedback information to the user terminal, so that the user terminal can pay in response to the payable feedback information. The payable feedback information comprises preset time.
Step S509, if the user corresponding to the user terminal does not pay for the fee after the preset time, the operator payment system generates and sends the user non-contract payment information to the operator credit system.
Step S510, the operator credit investigation system receives and adjusts down the user credit investigation level based on the user non-fulfillment payment information.
Step S511, if the user corresponding to the user terminal pays within the preset time, the operator payment system generates and sends the user contract payment information to the operator credit system.
Step S512, the operator credit investigation system receives and calls the user credit investigation level based on the user contract payment information.
It will be understood that the above embodiments are merely exemplary embodiments taken to illustrate the principles of the present invention, which is not limited thereto. It will be apparent to those skilled in the art that various modifications and improvements can be made without departing from the spirit and substance of the invention, and these modifications and improvements are also considered to be within the scope of the invention.

Claims (10)

1. A payment method, the method comprising:
responding to payment request information sent by a user terminal, and acquiring a user credit investigation grade corresponding to the user terminal;
under the condition that the credit investigation level of the user is not less than the preset level, generating and sending a user network permission opening request to a core network system so that the core network system opens the network access permission of the user corresponding to the user terminal based on the user network permission opening request;
and responding to user network authority opening success information sent by the core network system, generating and sending payable feedback information to the user terminal so that the user terminal can pay in response to the payable feedback information.
2. The method of claim 1, wherein the payable feedback information comprises a preset time; after the generating and sending the payable feedback information to the user terminal, the method includes:
if the user corresponding to the user terminal does not pay for the user terminal in the time exceeding the preset time, generating and sending user non-contract payment information to an operator credit investigation system so that the operator credit investigation system can adjust the user credit investigation level according to the user non-contract payment information;
and if the user corresponding to the user terminal pays within the preset time, generating and sending user contract payment information to the operator credit investigation system so that the operator credit investigation system can up-regulate the user credit investigation level based on the user contract payment information.
3. The method according to claim 2, further comprising, after the generating and sending payable feedback information to the user terminal:
and if the user corresponding to the user terminal does not pay the fee after exceeding the preset time, generating and sending a user network permission closing request to a core network system so that the core network system closes the network access permission of the user corresponding to the user terminal based on the user network permission closing request.
4. The method according to claim 2, further comprising, after the generating and sending payable feedback information to the user terminal:
and starting a timer, and inquiring whether the user corresponding to the user terminal pays the fee or not when the timer time of the timer is the same as the preset time.
5. The method according to claim 1, wherein the step of obtaining the credit investigation level of the user corresponding to the ue comprises:
generating and sending user credit investigation request information to an operator credit investigation system;
and receiving the user credit investigation grade corresponding to the user terminal returned by the operator credit investigation system based on the user credit investigation request information.
6. A payment device, the device comprising:
the first acquisition module is used for responding to payment request information sent by a user terminal and acquiring a user credit investigation grade corresponding to the user terminal;
the first generation module is used for generating a user network permission opening request under the condition that the credit investigation level of the user is not less than a preset level;
the first sending module is used for sending a user network permission opening request to a core network system so that the core network system opens the network access permission of a user corresponding to the user terminal based on the user network permission opening request;
the second generation module is used for responding to the successful user network permission opening information sent by the core network system and generating payable feedback information;
and the second sending module is used for sending the payable feedback information to the user terminal so that the user terminal can pay in response to the payable feedback information.
7. The apparatus of claim 6, wherein the payable feedback information comprises a preset time; the device further comprises: a third generating module and a third sending module;
the third generating module is configured to generate user non-contract payment information if the user corresponding to the user terminal does not pay for the fee after the preset time;
the third sending module is configured to send the user non-contract payment information to an operator credit investigation system, so that the operator credit investigation system adjusts the user credit investigation level based on the user non-contract payment information;
the third generating module is further configured to generate user contract payment information if the user corresponding to the user terminal pays within the preset time;
the third sending module is further configured to send the user fulfillment payment information to the operator credit investigation system, so that the operator credit investigation system can adjust up the user credit investigation level based on the user fulfillment payment information.
8. The apparatus of claim 7, further comprising: a fourth generation module;
the fourth generation module is used for generating a user network permission closing request if the user does not pay for the fee after the preset time;
the first sending module is further configured to send a user network permission closing request to a core network system, so that the core network system closes, based on the user network permission closing request, a network access permission of a user corresponding to the user terminal.
9. The apparatus of claim 7, further comprising:
the timing module is used for starting a timer after the second sending module sends the payable feedback information to the user terminal;
and the query module is used for querying whether the user corresponding to the user terminal pays the fee when the timer time of the timer is the same as the preset time.
10. The apparatus of claim 6, wherein the first obtaining module comprises:
the generation sub-module is used for generating a user credit investigation request;
the sending sub-module is used for sending the user credit investigation inquiry request information to the operator credit investigation system;
and the receiving submodule is used for receiving the user credit investigation grade corresponding to the user terminal returned by the operator credit investigation system based on the user credit investigation request information.
CN202011304533.0A 2020-11-19 2020-11-19 Payment method and device Pending CN114519583A (en)

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CN202011304533.0A CN114519583A (en) 2020-11-19 2020-11-19 Payment method and device

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Family Applications (1)

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