On communication network, for example on communication network, prepare the conversation amount of money and the various relating to parameters of clearing, particularly with the duration, with daytime and relevant with the geographical position with called user of calling out according to the GSM-standard.These parameters, particularly duration can for example be learned in the general bureau in the capital construction of network.Obtain the amount of money of preparing clearing with these parameters then, and be logged in the network marketing merchant or in financial institution on user's the account.This settlement method is very complicated and somewhat expensive for the network marketing merchant, and requires a complete settlement system and manually a lot of and half manual operation.
Also known a kind of prepaid system except the payment-settlement system of this back.Advance payment-system often uses a kind of identification card of user's special use, and this card comprises an account, and this account can deposit total amount in.The amount of money of user's communication clearing is charged to this account after each conversation: known have the whole bag of tricks, so that continue to deposit in this account later on.Being used for obtaining the necessary parameter of settlement amounts is known and obtains and give with the signaling transmission of messages user's identification card on the server of network marketing merchant management at notion CAI (advice of payment information).On the display of processing unit on the card, show the amount of money of being settled accounts then, then this amount of money is charged in the stored total amount with local currency at mobile machine.
A kind of method and the SIM-card of realization advance payment-system in patent application WO 95/28062, have been narrated.According to disclosed principle in WO 95/28062, so-called expense announcement information (" e "-parameter) is to give relevant mobile machine according to the GSM-standard transmission, with during setting up conversation, continue to be transferred to the SIM-card, whether stored amount of advance payment conversation that enough call in or that get out of SIM-card inspection from mobile machine.When if the amount of money is enough, finish the process of setting up of conversation according to WO95/28062, and the timer of S IM-card (perhaps mobile machine) begins to measure the duration of conversation.According to WO 95/28062 from the measured duration and be based upon on the price-list information basis, these are to be stored on the SIM-card or these are other expense announcement informations of giving mobile machine by means of Network Transmission, determine cost of the phone call, and from the amount of money of advance payment, deduct.Special expense announcement information can set up conversation period ground process Network Transmission to mobile machine according to WO 95/28062, mobile machine is signed for special expense announcement information by the SIM-card, converse when proceeding if the amount of money of advance payment enough makes.
Advance payment-settlement method is more suitable for the network marketing merchant, the unnecessary bill of opening of network marketing merchant.But it must calculate the amount of money of preparing clearing all the time.This in addition method can only can be used with instrument with in geographic range in the GSM-environment, this geographic range can use in ETSI ETS300 510 standards, (be equivalent to technical parameter GSM02.24) definition advice of payment function (AOC).Therefore advance payment-Ka usually only allows very restricted roaming possibility.
Also known advance payment-method combines with intelligent network-solution.Certainly making is very expensive in this way, and can only can use on the network of corresponding operating system.
Narrated a kind of smart card in patent application WO 96/11545, this smart card comprises clock and calendar, and these two are connected with microprocessor, and microprocessor is connected with memory.Can pack into subscriber unit and User Recognition and cycle effective time according to this smart card of disclosed principle in WO 96/11545, the user must use User Recognition and smart card no longer can use in this cycle effective time, communicates by letter with subscriber unit.
In patent application EP 724 371 A, narrated a kind of method, the wireless communication terminating machine can be preferentially selected from least two wireless networks in this way, typically be based upon on the network marked price information basis that is stored in central server-environment low-cost network.
So target of the present invention a kind of improved settlement method that is suggestion, this method does not have the shortcoming of known method, particularly the settlement method of simplifying for the network marketing merchant.
According to this target of the present invention is that method by means of the narration of claim independently reaches, and wherein various modification are described in independently in the claim.
This target is by means of the identification card of narrating in identification card claim independently with have that the system narrated reaches in system's claim independently in addition.
According to settlement method of the present invention is that identification card with the user carries out on communication network, identification card is can insert terminating machine in the mode that can take out, and identification card is except traditional data processing equipment, data processing equipment can be stored and comprise the data (IMSI (international mobile subscriber identification) of user at the recognition data of communication network at least, MSISDN (mobile radio station identifier) or IDUI (international debit's User Recognition)), also comprise a price-list at least, from the duration of conversation, obtain the amount of money and integrated time measurement device of preparing calculating with this price-list, obtain the duration of conversation with this device.
Thereby can learn on card that for calculating the necessary parameter of the amount of money of being settled accounts then clearing can directly be carried out from user's the firsthand information.
The amount of money of being obtained can or directly nullified accounts and/or be packaged into payment authority and be transferred on the record keeping server on the communication network on the advance account of identification card then.
Patent documentation EP 656733 has narrated a kind of settlement system of mobile machine, and wherein all are to be stored on the memory of mobile machine for the calling parameter of obtaining settlement amounts necessity.This amount of money can be shown as information on the display of mobile machine then.Yet how not narration can automatically enter item in an account the amount of money of obtaining in this document.Tong Hua duration and air time are obtained by means of mobile machine clock internal in addition.The network marketing merchant is for not influence of the clock accuracy in the mobile machine that is provided by other manufacturer.Clock on these external a lot of mobile machines is adjusted by the user.Patent documentation FR2680261 has narrated a kind of phone-chip card, and this chip card includes advance payment-account and price-list.From advance payment-account, depend on the duration of conversation and the settlement amounts that stored price-list is obtained conversation.Yet air time and duration are not to obtain the clock on being integrated in card, but on the device of an outside, obtain.
Present known a kind of SIM-card in WO96/11545 with duration measurement mechanism.This card is merely able to use on the time of timer on the card of packing into.Yet this document is narration not, and the amount of money that how will prepare clearing can be charged to user's account automatically.
Narrated a kind of other chip card among the EP770953, yet this card only is used for the signalingization of e-file and the clearing that can not be used to converse with integrated clock.
The present invention is by means of represent to make the people to understand to the narration of embodiment with by accompanying drawing more clearlyly, wherein:
Representing terminating machine with reference symbol 1, for example is GSM-mobile radio phone, or has the computer of communication function.Terminating machine 1 includes an identification card 10, SIM-card 10 (subscriber's identification module) for example, and SIM-is stuck on the radio circuit 2 and discerns the user.Now the SIM-card has been used at GSM-, DCS-, or PCS-moves on the machine or also uses having with chip card of future and carry out on the fixed network of User Recognition.The SIM-card can or a full-scale-Ka or a plug-in unit-Ka; Link to each other with terminating machine 1 by the contact zone that blocks the surface.But the form of other card and contactless card also can use at category of the present invention.SIM-card 10 includes data processing equipment, the little watch-dog of for example a kind of known GSM-SIM-.For example narrated the SIM-card in GSM11.11 and GSM11.14, in the Secretariat of communication standard mechanism, F-06921 Sophia Antipolis can obtain since 1995 and 1996 for these.Other identification card, multipurpose card for example, these are known in public card notion, also can use in the present invention.
The SIM-card includes known to send and receive the device of SMS-short message in addition, and favourable known filter, so that identification and the special short message of buffering storage are advantageously according to the SICAP-method that is described among patent EP 0,689 368 B1.Advantageously the SIM-card also can communicate with USSD (unstructured Additional Services the data)-instrument of data in the signaling channel and on network 2.Advantageously exist the makeup of coding and signaling to put in addition, so that with the file decoding of reception with the document No. and the signalingization that are sent out.For example can use TTP (entrust third party)-method as coding method, perhaps also can use according to point-to the code device of-point-method work.
Include additional integrated time measurement device 100 according to SIM-card 10 of the present invention, can obtain the duration of conversation with time measurement device.Time measurement device can include hardware-and/or software service.Yet time measurement device includes the electro coupled oscillator of an arbitrary form, for example quartz (controlled) oscillator in favourable modification.Advantageously oscillator 100 is by being included in energy storage device (for example electric storage means or the capacitor) power supply on the card 10, if when terminating machine cuts out.
SIM-card 1 links to each other with communication network 2, and GSM-network for example is when if the SIM-card is inserted on the terminating machine 1.SIM-server 3 links to each other with network 2 equally and can communicate by letter through network 2 with special SMS-message and/or with the USSD-data.Known on the server 3 and the filter on SIM-card 10 allow special service, for example swap data between SIM-server and SIM-card instructs and program.Advantageously SIM-server 3 links to each other with TTP-server 7 in addition, so that to encoding and signalingization with communicating by letter of SIM-card 10.Thereby guaranteed the reliability of identification, the certainty of identification, the certainty of message and guaranteed the integration and the no controversial of various informed sources.Also can use a little-arrive-point-coding method and method for signaling.
SIM-server 3 links to each other with time monitor 5 equally, and time monitor is arranged on the time measurement device of installing in the SIM-card 10 and monitors the price-list of installing in the SIM-card.Record keeping-gatherer 4 is collected the record keeping document that produces on the SIM-card, classify in lines and it is transferred to corresponding financial service branch according to financial service, as narrating below.
Communicating by letter as narrating between various servers 3 to 7 and SIM-card undertaken by communication network 2, for example on the GSM-network.Allow on all and home network have the network of roaming agreement, to provide use in the roaming possibility set up in the GSM-system according to settlement method of the present invention.These methods can be narrated as the back then, at all GSM900-that is connected by roaming agreement, use on GSM1800-and the DSC1900-single network.But the present invention also can use on non--GSM-network.
Roaming-method for example be by I.Brini etc. in " international roaming on digital cellular network ", CSELT technology report, the XX volume, the 3rd phase, Italy, narrate in the 209-215 page or leaf in June, 1992.
Accompanying drawing 2 has been represented the structure diagram of identification card 10.As narrating, advantageously card is to power with electric storage means 11.The various processes of little watch-dog execution on card with data processing equipment.Advantageously memory EEPROM is included in little watch-dog or is coupled.Memory comprises program and file, and advantageously file is managed in hierarchical directory structure.File in this memory and resource can be divided into three districts 12,13,14.First district 12 is places of safety and comprises file and the part that the user can not change.In this group except traditional GSM-data and GSM-parameter, also additional TTP-data and the TTP-program of including, and at least one the individual's and/or at least one disclosed password.In this district, also include register and program according to the present invention, so that time measurement device and price-list that control is packed into, price-list clearing program and document production process.
Data and program can only deposit in and change through cryptographic processes in first district 12.Also can in 12 districts of card, transmit the Java-program with this process.
Second district 13 is not shielded; The user can access from all data in this district and program.This district comprises a telephone directory in addition, and telephone directory comprises the telephone number that all users often call out, and also additional have various user's programs and data, for example can remote control deposit the Java-program in.
The 3rd option district 14 includes SIM-card 10 and direct contactless data that are connected of external instrument and the program be responsible for.This contactless connection can for example be that inductance type is by carrying out on card or at coil integrated on the mobile machine or by the infrared-interface on the housing of mobile machine 1.
The additional identification parameter of storage allows SIM-card 1 is also used as the identification card of other system in 12,13 and/or 14 districts, for example, use there on the operable User Recognition of chip card as on other communication network 16, on the outside instrument 17, on the network calculations instrument NC18, on mobile network's computing equipment MNC19 or on other conceivable instrument.These various other systems can be with the identification parameter of effective SIM-bus 15 access necessity in 12,13,14 districts.Access can or by current interface, for example by the contact-making surface on the card, perhaps contactlessly undertaken by above-mentioned infrared and inductive interface.
We now are described in detail employed settlement method with this identification card.
If SIM-card 10 is connected on mobile machine 1, program is at first checked on the place of safety 12 of card, whether has been adjusted time measurement device 100.If not this situation, card will inquire the time-and message sends time monitor 5 to, and time monitor is answered with time authority.Time authority comprises the time explanation and advantageously transmits by communication network 2 at useful channel by SIM-server 3, so the transmission time should keep shortly as far as possible.In a kind of modification, time authority is transmitted as the signaling layer of USSD-message by communications records.Yet because the transmission time of unpredictalbe SMS-message is not preferably by this channel transmission.
The transmission time compensation can be obtained from statistical computation and use.Advantageously time authority is to carry out electronic marker by TTP-server 7, and therefore wrong people can not send the time authority of mistake, so that controlled time hand-manipulated.SIM-card 10 receives markd authority, if checkmark and this are correct, then time measurement device is provided with the time that compensated with that be transmitted.
Advantageously arranged the mechanism of additional other, so that revise controlled time on SIM-card 10.For example time monitor 5 can be checked controlled time periodically, and produces a time authority if necessary the time and be used for revising.As explanation in the back, because SIM-card 10 produces record keeping authority and/or CDR (conversation detail record), these include the time explanation all the time, if add up when having determined time deviation, can in a kind of modification, check the time of being obtained, so that can alignment time measurement mechanism 100.Importantly under any circumstance, time measurement device 100 be used in all the time reality the time zone in time adjust.For example can arrange for this purpose, time measurement device is adjusted after new communication network registration according to the SIM-card at every turn.When mobile machine 1 was connected at every turn, time monitor 5 sent to the SIM-card with time authority in a kind of modification.In an other modification mobile machine after each registration with it real geographical position and the time zone carried out the time zone correction by means of the time-piece of storing oneself on the SIM-card.
Parallel with this method checks also when mobile machine registration that whether the price-list of storage in 12 districts is real with complete.For this purpose when when registering on the home network 2 or on an accessed network, an authority is transferred to price-list server 6 in the home network, this moment is with the price-list storage of versions of reality.If if this price-list on the SIM-card no longer be reality the time or must replenish it the time, on price-list-server 6, produce a price-list authority, encode and signalingizations by TTP-server 7, and be transferred to the SIM-card by SIM-server 3 and communication network 2.The sign of the received price-list authority of SIM-card 10 inspections, and price-list to be stored then replenishes or mates, if this sign is correct.
This price-list transmission method also can use at every turn, if the network marketing merchant carries out price-list when coupling, and its price-list is changed on price-list server 6.The price-list server can send to new price-list its all user (price-list initialization and renewal) automatically in this case.
Because the memory capacity of SIM-card is not unrestricted, preferably not with whole price-list group, and the price-list of storing communication network range only, the user adds up and often makes a phone call and selectively to some predefined communication network scopes therein.For example on new identification card, only be stored in the price-list of conversing in its home network, perhaps only be stored on home network and some adjacent networks between the conversation price-list.If the user moves machine with it when registering on other network, then will be in the price-list additional storage of conversing on the new network on its identification card 10 according to above-mentioned mechanism.
The discount factor relevant with the user can be combined with stored price-list, so that independent can from corresponding discount, the benefiting of user according to its behaviour in service.Discount can be used according to various criterions arbitrarily.For example the network marketing merchant can programme discount factor or also can replenish later on and pack on the staff's of large enterprises SIM-card.
Advantageously also transmit the price-list version in the payment authority of narration below, this price-list version can use in check-up through statistical means.For this situation,, then the price-list of reality is transferred to SIM-card 10 according to above-mentioned mechanism and revises if confirm that later on the version that whole price-list version and clearing use is inconsistent.
We narrate now, how to settle accounts in communication process.
When establishing a communications link, the proper procedure that call number is used in identification card 10 places of safety 12 is analyzed.If the price-list numerical value for target area necessity is present on the price-list of card 10, the foundation that then communicates to connect is finished effectively.If when the price-list element on the necessary card can not be provided, then preferably forbid the foundation that communicates to connect and will upgrade authority sending to the price-list server, so that pack these data into.
The parameter that the amount of money that calculates the preparation clearing needs is collected together after the signalingization that establishes a communications link.The amount of money of preparing clearing for example with duration of conversation, with the time on daytime, with what day, with calling party (A) and called party, with price-list and relevant with the special discount of possible user in case of necessity.All these parameters or be present in the place of safety 12 of identification card or can obtain with the time measurement device 100 of packing into.The duration of therefore calculating the conversation that the amount of money of preparing clearing can obtain with time measurement device after end of conversation is used in program suitable in the place of safety 12 relevantly and carries out.Then this amount of money is preferably on the display of mobile machine and shows, and be packaged into a payment authority, arranges a TTP-to indicate and be transferred to payment-gatherer 4 by communication network 2.In a kind of modification, substitute the amount of money that will on card, obtain, but will be in order to calculate the duration of necessary parameter as conversation, the time etc. are transferred to payment-gatherer.
Interrupt payment authority can not be produced the time if communicate to connect, then it is stored in the place of safety 12 of SIM-card and when the SIM-card uses, sends it to payment-gatherer 4 next time.New when communicating to connect the payment authority that is under an embargo to the last and correctly being transferred to payment-gatherer with sign.
The authority of alternatively will paying the bill is stored in the storehouse of place of safety 12 of card.Then a plurality of payment authoritys are sent in payment-gatherer 4 simultaneously, perhaps when needs from accessing here.
If SIM-card 10 is advanced charge cards, and when including the stored money amount of money, with the amount of money of clearing favourable directly charge to this account.Advance payment-SIM-card is to be described among the patent application EP96810570.0.The authority of paying the bill in this case only uses and is used for checking on payment-gatherer 4 and statistics.
If card is not advance payment-Ka, the authority of will paying the bill is classified in lines according to financial service in payment-gatherer 4 and is transferred to corresponding financial service in lines.This financial service divides the behavior user that a receipt is provided or charges to its account.As financial service branch for example can be network marketing merchant itself, perhaps also can be withholding a little of bank, credit card enterprise or other.Because payment authority has been represented the part of receipt, the network marketing merchant no longer needs to manage the payment system of oneself.
Because on payment authority, have all elements of payment summary, then for example can offer the user through the internet or with mail.As narrating, payment authority be the TTP-coding with sign, be safe therefore, have only the user of mandate can its payment summary of access.
The expert determines, according to advance payment of the present invention-and back payment-settlement method can use abreast in same communication system.
Advantageously with produce on the SIM-card payment authority parallel on the GSM-network infrastructure, produce traditional CDR (conversation detailed report), this conversation detailed report is used in checks on payment authority and other the statistics.
This method not only can be used in SIM-card user's conversation clearing, but also can use when utilizing the clearing of card 10 other resources.Basically can settle accounts all operations in this way, operating all clearing parameters for these can provide on the SIM-card.For example also can utilize in the memory block of card program stored or for example carry out and utilize relevant clearing of duration with inductive interface or infrared interface.
This settlement method can use on each network, and these networks are to be connected by roaming agreement with user's home network.Therefore the scope of application is not limited only to ownership-GSM-network; Can use on the whole world with the network configuration on all communication networks is irrelevant, and also can use on the communication network different with the GSM-system.
This settlement method can use in a plurality of network marketing merchants.Preferably each network marketing merchant has its oneself price-list-server 6 in this case.Yet preferably different price-list-servers is connected, only need carries out once with the coupling of international price-list.In a kind of modification, all price-lists are stored in the master-price-list-memory block, therein can access from the price-list-server of all-network marketer-special use, so that determine its price-list.The all-network marketer is from same, by access in the price-list-server 6 of all management in other modification.The price-list of network marketing merchant special use can be finished through the process of cryptoguard by independent network marketing merchant in the management price-list server.
This process is merely able to safe and reliable use, if when having a transfer of data channel coding and safety between SIM-card and SIM-server.As narrating, this coding can with the TTP-function or also can use point-to-the algorithm realization.