CN1214564C - Method and system for implementing payment with SIM card in mobile intelligent network - Google Patents

Abstract

The present invention relates to a method and a system for paying identification by a mobile telephone SIM card of a mobile user, particularly to a method for realizing payment by an SIM card in a mobile intelligent network. The mobile intelligent network at least comprises a service control point (SCP) and a service switching point (SSP). The present invention is characterized in that the number of an SIM card of a mobile user and a bank account of the mobile user are bound by the mobile intelligent network, and a special electronic payment account using the SIM card of the mobile user as identification is established. When the mobile telephone makes a request for a service of an electronic commerce service provider and makes a request that the SIM card of a mobile telephone is used for paying the service, the logic that the SIM card of the mobile telephone is used for paying the service is started by the SCP according to the request that the SIM card of the mobile telephone is used for paying the service, the request is received from a payment interface and further, payment transfer is carried out by the special electronic payment account to realize the purpose that the SIM card of the mobile telephone is used for paying the service. A mobile telephone user can have an electronic payment account number by the present invention, and the mobile telephone user can safely and conveniently enjoy various services which are provided by an electronic commerce service provider.

Description

Realize the method and system of paying in a kind of mobile intelligent net by SIM card

Technical field

The present invention relates to the mobile intelligent net field, relate in particular to a kind of method and system of paying for sign by mobile subscriber's SIM cards of mobile phones.

Technical background

The Internet produces tremendous influence to present business model, and a brand-new sale and sales promotion channel have been opened in mobile e-business (Mobilee-commerce).Prediction indicates will have 5000 general-purpose families to use the portable terminal that can insert Internet to the end of the year 2002.Compare with the online retail of routine, ecommerce can provide stronger competition on user's convenience.But shopping and consumer need are paid solution accordingly by mails on the internet.

Present E-Payment mainly contains dual mode: a kind of is the special use card mode of paying the fees, and a kind of is Web bank's mode.

The special use card mode of paying the fees needs E-business service provider (SP Service Provider) the distribution card of paying the fees, and finishes payment authentication.Because the amount of money of this kind card is generally less, thereby fail safe hidden danger is also smaller, the realization of payment authentication also than being easier to, has certain advantage with respect to paying in cash in addition, thereby under the situation that lacks other feasible patterns, is adopted by number of site.But this kind mode is very big to user's restriction, and the scope that can use is very little again, lacks the value of promoting.

Web bank's mode is to be networked by each tame bank and ecommerce SP, directly uses bank card to pay.The effect of each ecommerce SP is similar to the terminating machine that is placed on each emporium in this manner, and the user will give SP oneself bank card account number and password, passes to corresponding bank by SP then and goes to carry out authentication and withhold.Because be directly to use the bank card payment, ecommerce SP is again on the Internet, thereby information such as user's bank card account number and password must flow through from the Internet.Because the opening of the Internet and the security requirement of banking system, this mode will propose extremely harsh requirement to the security authentication mechanism of the Internet.At present the Internet also lacks a widely accepted mechanism aspect safety certification, people also generally lack the sense of security to directly using the bank card payment on the net, thereby Internet-based banking services walk very slow aspect practical operation, far can not satisfy the actual demand of the online small amount shopping of people.

Existing two kinds of electronic payment mode shortcomings are as follows:

1, the special use card mode of paying the fees is that specially card is special-purpose, and the scope of application is little, and is extremely inconvenient to the user.

2, Web bank's mode directly uses bank card to pay, and account number and password will expose on the internet fully, has brought great risk for user's bank finance account, thereby is difficult to obtain user's approval, the practical operation comparison difficulty of getting up.

Summary of the invention

Purpose of the present invention is exactly in order to overcome the shortcoming of prior art as mentioned above, to invent the method that realizes paying in a kind of mobile intelligent net by SIM card;

Another object of the present invention provides a kind of mobile intelligent net payment transaction system, can realize in the aforesaid mobile intelligent net realizing the method for paying by SIM card.

Technical scheme of the present invention is as follows:

Realize the method for paying in a kind of mobile intelligent net by SIM card, described mobile intelligent net comprises Service Control Point and Service Switching Point at least, it is characterized in that mobile subscriber's SIM card number and its bank account being bound by mobile intelligent net, the electronic payment account that to set up one be the special use of sign with this mobile subscriber's SIM card, when the user asks ecommerce SP service and initiate to use SIM cards of mobile phones to pay service request, SCP is according to the service request of paying from the use SIM cards of mobile phones of payment interface reception, start to use the SIM cards of mobile phones service logic of paying, and then pay by this electronic payment account and to transfer, realize using the SIM cards of mobile phones business of paying;

Also comprise: service creation environment (SCE) increases required service logic and the business datum of the use SIM cards of mobile phones business of paying in mobile intelligent service, form to use the SIM cards of mobile phones business logic modules of paying, generate the SIM cards of mobile phones business of paying of using;

Business management system (SMS) will use service logic, the business datum of the SIM cards of mobile phones business of paying to be loaded into Service Control Point, and at SMAP (SMAP) the relevant configuration data of this business will be set;

Name a person for a particular job cellphone subscriber's service request of described operation exchange is linked into the mobile network mobile intelligent net and is transmitted to ecommerce SP, identification through short message service center or WAP gateway and uses pay professional management request and report SCP of SIM cards of mobile phones, trigger the management logic that uses the SIM cards of mobile phones business of paying, and accept the instruction that SCP sends.

Described paid service sends request by the mobile subscriber and initiates, and this request can be by the WAP mode, also can be to mention by short message way.

Realize the method for paying in the described mobile intelligent net by SIM card, also comprise the step that a mobile subscriber registers in the mobile intelligent net at its SIM card place, the mobile intelligent net system generates in database with user mobile phone SIM card number and is the electronic payment account of identification marking and user bank of deposit information, identity information and encrypted message write database.

Realize the method for paying in the described mobile intelligent net by SIM card, also comprise a user account charging steps, the cellphone subscriber realizes the fund injection of electronic payment account by the voice recharge procedure.

Realize the method for paying in the described mobile intelligent net by SIM card, comprise that also the user sets the binding relationship of its phone number and bank account in bank's side, the mobile intelligent net system carries out authentication and user's charging request is delivered to his bank of deposit user's phone number, finishes final authentication, authentication and cost transfer by bank's end.

Realize the method for paying in the described mobile intelligent net by SIM card, also be provided with electronic payment account payment limit, comprise single transaction limit and daily trading limit, the amount of money of transaction is controlled.

Realize the method for paying in the described mobile intelligent net by SIM card, also be provided with special-purpose account management voice flow, the mobile subscriber manages its electronic payment account by the voice management flow process, finish and revise the electronic account password, the consumption Day Sum Limited is set, query the balance, the inquiry transaction details is revised operations such as supplementing bank's classification with money.

Realize the method for paying in the described mobile intelligent net by SIM card, also be provided with unified E-Payment interface: payment system externally provides the unified transaction interface of deducting fees by mobile Internet, this interface content mainly comprises: the SP code name, the transaction classification, dealing money, exchange hour, transaction sequence number etc., each ecommerce SP uses this interface, is registered in this payment system for it by mobile operator earlier simultaneously, sets its transaction code, clear and definite its transaction content and transaction limits, payment system according to this ecommerce SP in the information of this payment system registration to the SP code name, the transaction classification, dealing money carries out authentication.

A kind of mobile intelligent net payment transaction system, this mobile intelligent net comprises service control point, Service Switching Point, voucher center at least, it is characterized in that also including ecommerce SP service end and bank service end, described SCP has payment interface, link to each other with the Internet by payment interface, link to each other by the CS2-INAP agreement with voucher center, link to each other by CAMEL Application Part with Service Switching Point, Internet and E-commerce SP service end links to each other by the SMPP/WAP/CMPP agreement; Described voucher center provides supplements interface with money, links to each other by supplementing interface with money with the bank service end; Described Service Switching Point links to each other with the Internet by wap protocol;

Described service control point is finished electronic payment account and the authentication of ecommerce SP and the business logic processing of charging in the business logic processing, e-commerce transaction of business logic processing, the electronic payment account controlling mechanism of the business logic processing of electronic payment account voice registrations, business logic processing that voice are supplemented with money, voice management;

Described Service Switching Point receives user's voice and calls out and be triggered to SCP and handle, and receives user's short message and is transmitted to the SMSC equipment of user attaching, receives the short message that SMSC sends and also is transmitted to the cellphone subscriber;

VC (Voucher Center) equipment mainly realize and bank between supplement interface with money, receive bank's charging request and the bank main that SCP sends and carry out finishing bank and supplementing function with money alternately;

Ecommerce SP service end and cellphone subscriber carry out alternately, for the cellphone subscriber provides E-business service and sends deduct fees request by the payment interface that the doit electronic payment operation system provides to small amount payment SCP according to the situation of user request service;

The bank service end is realized the binding of subscriber phone number and bank account, receives request of remitting account of supplementing with money of user and VC devices interconnect, realizes that jointly user's phone is supplemented function with money.

Described mobile intelligent net payment transaction system also comprises independent intelligent peripheral IP (IntelligentPeripheral), links to each other with service control point by CAMEL Application Part, links to each other with Service Switching Point by Telephone User Part; And SMS service center SMSC (Short Message Service Center), link to each other with the Internet by the SMPP agreement, link to each other with Service Switching Point by MAP;

Described ip intelligent peripherals is used to store all voice resources of doit electronic payment business, and accepts the control of SCP, and realization and cellphone subscriber's interactive voice is handled;

Described SMS service center SMSC (Short Message Service Center) finishes from MSC and receives the up short message that the cellphone subscriber sends, and is forwarded to ISMG equipment; And receive the descending short message that sends from SCP, and be forwarded to the user according to the user roaming place and roam MSC.

By technical scheme of the present invention, cell phone and intelligent movable network technology are incorporated in the payments mechanism of mobile e-business, farthest reduced the risk of user's fund on the one hand by control to fund, that will move shopping on the other hand again has conveniently brought the user, thereby has created a kind of electronic payment mode of brand-new mobile e-business transaction.

Description of drawings

Fig. 1 is the system construction drawing of mobile intelligent net platform;

Fig. 2 is the integral frame figure of electronic paymenting service system of the present invention;

Fig. 3 is based on the flow chart of opening an account of the electronic payment account of mobile phone speech;

Fig. 4 is based on the recharge procedure figure of bank of the electronic payment account of mobile phone speech;

Fig. 5 is a payment system payment controlled function flow chart of the present invention;

Fig. 6 is based on the voice management flow chart of the electronic payment account of mobile phone speech;

Fig. 7 is based on the e-commerce transaction flow chart of this payment system.

Embodiment

Below in conjunction with Figure of description the specific embodiment of the present invention is described.

As shown in Figure 1, it is the general structure of mobile intelligent net, it mainly is made up of mobile switching centre or Service Switching Point, Service Control Point, Signaling Transfer Point, ip intelligent peripherals (IP), business management system (SMS), service creation environment several parts such as (SCE), wherein mobile switching centre is in the notion of intelligent network, and its function is identical with Service Switching Point. meet 02.78 standard, 03.78 standard and 09.78 standard of ETSI.

SSP (Service Switching Point) is the tie point that connects existing mobile network and intelligent network, and SSP provides the function that inserts intelligent network function collection.SSP can be an independently physical equipment, also can be used as the part of MSC, and in mobile intelligent net, in the service access angle of mobile intelligent net, both functions are equal to basically.In some network designs, what have directly is designed to mobile switching centre with Service Switching Point, does not have what difference on function, and it can detect the request of IN service, and communicates by letter with SCP; Request to SCP responds, and allows the service logic among the SCP to influence call treatment.

SCP (Service Control Point) is the core component of intelligent network, its storaging user data and service logic.The major function of SCP is to receive Query Information and the Query Database that SSP sends here, carries out various decodings; Simultaneously, SCP can start different service logics according to the call event of offering on the SSP, sends the calling control command according to service logic to corresponding SSP, thereby realizes various intelligent calls.

IP (Intelligent Peripheral) is a special resource of assisting to finish IN service.Usually have various phonetic functions, as phonetic synthesis, the playback notice receives DTMF pulsing, carries out speech recognition or the like.IP can be an independently physical equipment, also can be used as the part of SSP, and it accepts the control of SCP, carries out the specified operation of SCP service logic.

SMS (Service Management System) also is a kind of computer system.SMS generally possesses 5 kinds of functions, i.e. service logic management, Service Data Management, user data management, professional monitoring and traffic management.The new business logic of creating in service creation environment is input among the SMS by service supplier, and the SMS SCP that again it packed into just can provide this new business on communication network.

The function of SCE (Service Creation Environment) is the new service logic of demand generation according to the client.SCE provides friendly graphics edition interface for professional designer.The client utilizes various standard pels to design the service logic of new business, and defines corresponding data for it.

In the present invention, system is improved to mobile intelligent net, has increased an ecommerce SP service end and bank service end, and this is the source of payment system.

In the mobile intelligent net payment transaction of the present invention system, this mobile intelligent net comprises service control point, Service Switching Point, voucher center, and this Service Switching Point also can be substituted by mobile switching centre.Can directly it be designed to mobile switching centre among the present invention.

This SCP (Service Control Point) equipment is the control centre of whole doit electronic payment operation system, can realize that function has: the business logic processing of electronic payment account voice registration; The business logic processing that the electronic payment account voice are supplemented with money; The business logic processing of electronic payment account voice management; The business logic processing of electronic payment account small amount controlling mechanism; The authentication of electronic payment account and ecommerce SP and the business logic processing of charging in the e-commerce transaction.

In this system, MSC/SSP (Mobile Switching Center/Service Switching Point) equipment major function is to receive the user's voice calling and be triggered to SCP to handle, receive user's short message and be transmitted to the SMSC equipment of user attaching, receive the short message that SMSC sends and also be transmitted to the cellphone subscriber.

Independent IP (Intelligent Peripheral) equipment needs only all voice resources of realizing storage doit electronic payment business, and accepts the control of SCP, and realization and cellphone subscriber's interactive voice is handled.

SMSC (Short Message Service Center) equipment is mainly realized receiving the up short message that the cellphone subscriber sends from MSC, and is forwarded to ISMG equipment; And receive the descending short message that sends from SCP, and be forwarded to the user according to the user roaming place and roam MSC.

VC (Voucher Center) equipment mainly realize and bank between supplement interface with money, receive bank's charging request and the bank main that SCP sends and carry out finishing bank and supplementing function with money alternately.

Ecommerce SP (Service Provider) is the supplier of ecommerce, mainly undertaken alternately by short-message protocol or wap protocol and cellphone subscriber, for the cellphone subscriber provides E-business service and sends deduct fees request by the payment interface that the doit electronic payment operation system provides to small amount payment SCP according to the situation of user request service, the success or not of asking of deducting fees will determine the mobile phone user can obtain the service of this SP.

Bank is the expense source of whole system, realizes the binding of subscriber phone number and bank account, receives request of remitting account of supplementing with money of user and VC devices interconnect, realizes that jointly user's phone is supplemented function with money.

Above-mentioned each entity is mutually by agreement connection as shown in Figure 2, China Mobile Peer to Peer Protocol CMPP (China Mobile Peer to Peer) is specifically arranged, SMPP Short Message Peer to Peer (Short Message Peerto Peer, CAP applying portion (Camel Application Part), MAP MAP (MobileApplication Part), CS2-INAP intelligent network capability set 2 (Capability Set 2-IntellegentNetwork Application Part), WAP WAP (wireless application protocol) (Wireless ApplicationProtocol), TUP Telephone User Part (Telephone User Part).Wherein the full name of CAMAL is the customization application of mobile network's enhanced logic, and (Customized Application for MobileNetwork Enhanced Logic) is the suggestion that ETSI released in 1997.

Professional generation of the present invention is as follows:

Service creation environment (SCE) increases in mobile intelligent service and uses SIM cards of mobile phones pay professional required service logic and business datum, forms to use the SIM cards of mobile phones business logic modules of paying, and generates the SIM cards of mobile phones business of paying of using;

Business management system (SMS) will use service logic, the business datum of the SIM cards of mobile phones business of paying to be loaded into Service Control Point, and at SMAP (SMAP) the relevant configuration data of this business will be set;

Mobile switching centre is linked into cellphone subscriber's service request mobile intelligent net and is transmitted to ecommerce SP, identification through short message service center or WAP gateway and uses pay professional management request and report Service Control Point of SIM cards of mobile phones, trigger to use the SIM cards of mobile phones professional management logic of paying, and the control point of accepting business (SCP) instruction of sending.

Method of the present invention is bound mobile subscriber's SIM card number and its bank account by mobile intelligent net, the electronic payment account that to set up one be the special use of sign with this mobile subscriber's SIM card, when the user asks ecommerce SP service and initiate to use SIM cards of mobile phones to pay service request, SCP is according to the service request of paying from the use SIM cards of mobile phones of payment interface reception, start to use the SIM cards of mobile phones service logic of paying, and then pay by this electronic payment account and to transfer, realize using the SIM cards of mobile phones business of paying.

Mentioning of payment transaction of the present invention, can mention by the WAP mode, also can mention by the mode of short message, specifically can select according to user and network.

For a mobile subscriber who realizes paying by SIM card in mobile intelligent net, it wants to register in the mobile intelligent net at its SIM card place earlier, could specifically accept the service of this business like this.After this mobile subscriber registration, the mobile intelligent net system just generates in database with user mobile phone SIM card number and is the electronic payment account of identification marking and user bank of deposit information, identity information and encrypted message write database.Concrete opens an account flow process as shown in Figure 3.

Electronic payment account is a pre-paid account, could use after must supplementing with money.The present invention also comprises a user account charging steps, and the cellphone subscriber can realize the fund injection of electronic payment account whenever and wherever possible by the voice recharge procedure.For the purpose of safety, user's bank card account number and password are not preserved at native system, when supplementing with money, the user also need not import, the user must set his phone number and the binding relationship of bank account in bank's side, mobile intelligent net is only preserved bank of deposit's classification of user, user's phone number is carried out authentication and user's charging request is delivered to his bank of deposit, finish final authentication and authentication by bank's end.This mode has well solved the safety issue of user's account No..

As shown in Figure 4, be the flow process of a mobile user prepaid.

The present invention considers that from the angle of transaction security be provided with the payment limit of two classifications: one is the single transaction limit, and the single transaction amount of money is controlled; Another is a daily trading limit, and the dealing money of every day is controlled.The limit of each classification is provided with three ranks again: first rank is system-level limit, and the All Activity of native system must be within this limit; Second rank is ecommerce SP level limit, and this rank is only controlled the dealing money of each ecommerce SP; The 3rd rank is user class, set up on their own by the user, only this user's trading limit controlled.Other restriction amount of money of three levels of this two class has constituted the small amount payment restriction scheme of native system jointly.

As shown in Figure 5, be a flow chart of payment system payment controlled function of the present invention, can see among the figure, other payment limit mechanism of three levels of two classes is controlled, surpass and set limit, can't continue payment.

The present invention realizes the method for paying, also be provided with special-purpose account management voice flow, the mobile subscriber manages its electronic payment account by the voice management flow process, finish and revise the electronic account password, the consumption Day Sum Limited is set, query the balance, the inquiry transaction details is revised operations such as supplementing bank's classification with money.

As shown in Figure 6, be a voice management flow chart of the present invention.

Realization payment methods of the present invention, also be provided with unified E-Payment interface: payment system externally provides the unified transaction interface of deducting fees by mobile Internet, this interface content mainly comprises: the SP code name, the transaction classification, dealing money, exchange hour, transaction sequence number etc., each ecommerce SP uses this interface, is registered in this payment system for it by mobile operator earlier simultaneously, sets its transaction code, clear and definite its transaction content and transaction limits, payment system according to this ecommerce SP in the information of this payment system registration to the SP code name, the transaction classification, dealing money carries out authentication.

As shown in Figure 7, be a payment process of the present invention, specifically comprise:

1, the mobile subscriber is by special service or the commodity of WAP mode or short message way request mobile e-business SP;

2, mobile e-business SP receives mobile subscriber's service request information;

3, mobile e-business SP sends authentication request to the electronic paymenting service system under this mobile subscriber according to mobile subscriber's service request content;

4, pay the authentication request message that SCP receives SP by mails;

5, pay SCP by mails according to the SIM card number in the authentication request message, the SP number, the transaction classification, dealing money etc. judge whether mobile subscriber's disbursement account can pay so many money, this SP can detain so many money, whether the authentication success is then withholdd, and successful according to withholing, and returns the corresponding authentication response message for ecommerce SP.

6, mobile e-business SP receives the authentication responses message that electronic paymenting service system is sent.

7, mobile e-business SP judges according to the content of authentication responses message, if deduct fees successfully, then realizes user's service request, and returns the successful service response message of request to the mobile subscriber; If this mobile subscriber's service request is then cancelled in failure, and return the service response message of request failure to this mobile subscriber.

8, the mobile subscriber receives service response message by WAP mode or short message way to ecommerce SP.Single transaction finishes.

By the present invention, can make the cellphone subscriber have one and pay account number, the various services that enjoyment ecommerce SP that can be safe and convenient provides by mails.Simultaneously, concerning ecommerce SP, the support of the doit electronic payment operation system that mobile operator provides has been arranged, they can no longer worry for the electronic payment mode that lacks a safe ready, thereby can greatly develop their E-business service.User scope and service scale can be greatly improved.For mobile operator, build the doit electronic payment volume operation system of the present invention's design, the cellphone subscriber for oneself provides convenience on the one hand, on the other hand also by for mobile e-business SP provides payment transaction, for self brings huge benefits.

Be not difficult to find out that from top embodiment the present invention realizes simply need not increasing new hardware device, and to existing intelligent net system without any restriction, but can be user-friendly greatly, promote the growth of telephone traffic, improve professional income.

The above; only for the preferable embodiment of the present invention, but protection scope of the present invention is not limited thereto, and anyly is familiar with those skilled in the art in the technical scope that the present invention discloses; the variation that can expect easily or replacement all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection range of claims.

Claims (10)

1, realize the method for paying in a kind of mobile intelligent net by SIM card, described mobile intelligent net comprises Service Control Point and Service Switching Point at least, it is characterized in that mobile subscriber's SIM card number and its bank account being bound by mobile intelligent net, the electronic payment account that to set up one be the special use of sign with this mobile subscriber's SIM card, when the user asks E-business service provider (SP) service and initiate to use SIM cards of mobile phones to pay service request, SCP is according to the service request of paying from the use SIM cards of mobile phones of payment interface reception, start to use the SIM cards of mobile phones service logic of paying, and then pay by this electronic payment account and to transfer, realize using the SIM cards of mobile phones business of paying; Also comprise:

Service creation environment (SCE) increases in mobile intelligent service and uses SIM cards of mobile phones pay professional required service logic and business datum, forms to use the SIM cards of mobile phones business logic modules of paying, and generates the SIM cards of mobile phones business of paying of using;

Business management system (SMS) will use service logic, the business datum of the SIM cards of mobile phones business of paying to be loaded into SCP, and at SMAP (SMAP) the relevant configuration data of this business will be set;

Described SSP is linked into cellphone subscriber's service request mobile network and is transmitted to ecommerce SP through short message service center or WAP gateway, identification is used the management request of the SIM cards of mobile phones business of paying and is reported SCP, trigger the management logic that uses the SIM cards of mobile phones business of paying, and accept the instruction that SCP sends.

2, realize the method for paying in the mobile intelligent net as claimed in claim 1 by SIM card, it is characterized in that described paid service, send request by the mobile subscriber and initiate, this request can be to mention by wireless WAP mode, also can be to mention by short message way.

3, realize the method for paying in the mobile intelligent net as claimed in claim 1 or 2 by SIM card, it is characterized in that the step that comprises that also a mobile subscriber registers in the mobile intelligent net at its SIM card place, mobile intelligent net system generate in database with user mobile phone SIM card number is the electronic payment account of identification marking and user bank of deposit information, identity information and encrypted message is write database.

4, realize the method for paying in the mobile intelligent net as claimed in claim 3 by SIM card, it is characterized in that also comprising a user account charging steps, the cellphone subscriber realizes the fund injection of electronic payment account by the voice recharge procedure.

5, realize the method for paying in the mobile intelligent net as claimed in claim 4 by SIM card, it is characterized in that, the user sets the binding relationship of its phone number and bank account in bank's side, the mobile intelligent net system carries out authentication and user's charging request is delivered to his bank of deposit user's phone number, finishes final authentication, authentication and cost transfer by bank's end.

6, realize the method for paying in the mobile intelligent net as claimed in claim 5 by SIM card, it is characterized in that also being provided with electronic payment account payment limit, comprise single transaction limit and daily trading limit, the amount of money of transaction is controlled.

7, realize the method for paying in the mobile intelligent net as claimed in claim 6 by SIM card, it is characterized in that also being provided with special-purpose account management voice flow, the mobile subscriber manages its electronic payment account by the voice management flow process, finish and revise the electronic account password, the consumption Day Sum Limited is set, query the balance, the inquiry transaction details is revised operations such as supplementing bank's classification with money.

8, realize the method for paying in the mobile intelligent net as claimed in claim 7 by SIM card, it is characterized in that also being provided with unified E-Payment interface: payment system externally provides the unified transaction interface of deducting fees by mobile Internet, this interface content mainly comprises: the SP code name, the transaction classification, dealing money, exchange hour, transaction sequence number etc., each ecommerce SP uses this interface, register in this payment system for it by mobile operator earlier simultaneously, set its transaction code, clear and definite its transaction content and transaction limits, payment system according to this ecommerce SP in the information of this payment system registration to the SP code name, the transaction classification, dealing money carries out authentication.

9, a kind of mobile intelligent net payment transaction system, this mobile intelligent net comprises service control point (SCP), service switching point, voucher center at least, it is characterized in that also including ecommerce SP service end and bank service end, described SCP has payment interface, link to each other with the Internet by payment interface, link to each other by the CS2-INAP agreement with voucher center, link to each other by CAMEL Application Part with Service Switching Point, Internet and E-commerce SP service end links to each other by the SMPP/WAP/CMPP agreement; Described voucher center provides supplements interface with money, links to each other by supplementing interface with money with the bank service end; Described Service Switching Point links to each other with the Internet by wap protocol;

Described service control point is finished electronic payment account and the authentication of ecommerce SP and the business logic processing of charging in the business logic processing, e-commerce transaction of business logic processing, the electronic payment account controlling mechanism of the business logic processing of electronic payment account voice registrations, business logic processing that voice are supplemented with money, voice management;

Described Service Switching Point receives user's voice and calls out and be triggered to SCP and handle, and receives user's short message and is transmitted to the SMSC equipment of user attaching, receives the short message that SMSC sends and also is transmitted to the cellphone subscriber;

VC (Voucher Center) equipment mainly realize and bank between supplement interface with money, receive bank's charging request and the bank main that SCP sends and carry out finishing bank and supplementing function with money alternately;

E-business service provider (SP Service Provider) service end and cellphone subscriber carry out alternately, for the cellphone subscriber provides E-business service and sends deduct fees request by the payment interface that the doit electronic payment operation system provides to small amount payment SCP according to the situation of user request service;

The bank service end is realized the binding of subscriber phone number and bank account, receives request of remitting account of supplementing with money of user and VC devices interconnect, realizes that jointly user's phone is supplemented function with money.

10, mobile intelligent net payment transaction as claimed in claim 9 system is characterized in that also comprising independent intelligent peripheral IP (Intelligent Peripheral), links to each other with service control point by CAMEL Application Part, links to each other with Service Switching Point by Telephone User Part; And SMS service center SMSC (Short Message ServiceCenter), link to each other with the Internet by the SMPP agreement, link to each other with Service Switching Point by MAP;

Described ip intelligent peripherals is used to store all voice resources of doit electronic payment business, and accepts the control of SCP, and realization and cellphone subscriber's interactive voice is handled;

Described SMS service center SMSC (Short Message Service Center) finishes from MSC and receives the up short message that the cellphone subscriber sends, and is forwarded to ISMG equipment; And receive the descending short message that sends from SCP, and be forwarded to the user according to the user roaming place and roam MSC.

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