CN1365227A - Bank card paying system for telecommunication fee - Google Patents
Bank card paying system for telecommunication fee Download PDFInfo
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- CN1365227A CN1365227A CN 01108115 CN01108115A CN1365227A CN 1365227 A CN1365227 A CN 1365227A CN 01108115 CN01108115 CN 01108115 CN 01108115 A CN01108115 A CN 01108115A CN 1365227 A CN1365227 A CN 1365227A
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- bank card
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Abstract
The bank card paying system for telecommunication fee consists of bank credit card information processing system, bank card telecommunication free settlement system, telecommunication network, telecommunication service and data processing network system and user terminals. The bank card telecommunication service voice processing center is connected to bark card telecommunication service access platform and telecommunication network, the telecommunication network is connected to the user terminals, and the bank card telecommunication service data processing center is connected to telecommunication service and data processing network. By using bank card as paying tool for telecommunication fee, the present invention makes the payment convenient, fast and safe.
Description
The present invention relates to a kind of telecommunication fee payment system, particularly a kind of bank card paying system for telecommunication fee.
At present, telecommunication fee generally adopts sales counter payment or telecommunications operator to issue the PVC card pre-payment means of payment.The charge system of telecommunications and the payment and settlement system of bank are two independently accounting units.In some prefecture-level city (office) scope, telecom operators that have and local bank of a certain family have set up the Collection and Payment On Behalf relation of certain telecommunication service, allow the holder of bank use the IP operation telephone expenses of payment telecom operators, and still, going out the area can not roam; Clearing between this prefecture-level city's intra-office telecommunications and the bank are to withhold in batches, a pen telecommunication service all will go to withhold to bank, both increased the communication pressure of bank network, influence bank's regular traffic operation, also increase simultaneously the communication pressure between telecommunications and the bank, the operation cost height is in case banking changes or cause the communication network collapse during communication peak value.As improving, need to transform bank's existing business network, increase bank transaction, then transform the node of all banks, its expense is very expensive, moreover the cycle is long, the clearing point is many, and be not easy to the clearing of other telecommunication services, and increase new telecommunication service clearing as need, need to transform the operation platform of bank and telecommunications again.
The object of the present invention is to provide the means of payment of a kind of bank card with the distribution of all business banks as telecommunication fee, the holder just can snap into telecom operators with bank by making a phone call and go to open an account, pay the fees, easy to use, quick and safe, far-ranging bank card paying system for telecommunication fee.
The technical solution that realizes the object of the invention is: a kind of bank card paying system for telecommunication fee, it is characterized in that: it is by the bank card information processing system, telecommunication fee bank card settlement system, telecom operators' communication network, telecommunication service and data processing network system and user terminal constitute, comprise interconnective bank card telecommunication service speech processes center and bank card telecommunication service data processing centre, bank card telecommunication service speech processes center is connected with access ground bank card telecommunication service middleware access platform, and be connected with the telecom operators communication networks, telecom operators' communication network is connected with user terminal, bank card telecommunication service data processing centre is connected with the data processing network system with telecommunication service by special line, inserts ground bank card computer system and is connected on the access ground bank card telecommunication service middleware access platform.
In the bank card paying system for telecommunication fee of the present invention, telecommunication fee bank card settlement system can be accepted the different telecom operators' communication networks and the access of bank card information processing system simultaneously.
The present invention compared with prior art, its remarkable advantage is: 1, with the means of payment of bank card as telecommunication fee, telecommunication service and bank card business are combined, realize complementation, the mutual benefit, reciprocal of nationwide two large resources; 2, adopt Open architecture, not limited by the region, but the strange land open an account, recharging at different places has roaming, settlement function, the holder still opens an account in issuing bank, just can use telecommunications service at home and abroad; 3, can supplement or consult telephone expenses list with money by phone, mobile phone, network whenever and wherever possible; 4, do not transform the existing national payment network of bank, the business variation because of telecommunications operator and bank does not influence telecom service quality; 5, utilize bank card not have the characteristics of repetition card number in China,, make few hair fastener of telecommunications company and hair fastener not as the virtual card of telecommunications, can reduce the telecommunications operator issue the PVC card quantity, the saving resource; 6, realized paying after caller phone authentication and the telecommunication service, the phone binding is professional, the online payment business; 7, break telecommunications and monopolize, make telecommunications company an of family (as UNICOM) can accept any one tame bank card, also can be with this invention system applies in arbitrary telecom operators; 8, allow the user go to open an account, pay the fees by the telecom operators that make a telephone call to bank card, the guiding holder uses telecommunication service, is convenient to the holder and uses.
Fig. 1 is that the network of bank card paying system for telecommunication fee of the present invention constitutes schematic diagram.
Fig. 2 is that the network of CHINAUNICOM's bank card paying system for telecommunication fee constitutes schematic diagram.
Fig. 3 is the registering flow path schematic diagram of bank card paying system for telecommunication fee of the present invention.
Fig. 4 is a bank card paying system for telecommunication fee pre-payment schematic flow sheet of the present invention.
Below in conjunction with accompanying drawing the present invention is further described.
Embodiment.In conjunction with Fig. 1, Fig. 2, Fig. 3, Fig. 4, bank card paying system for telecommunication fee of the present invention is by the bank card information processing system, telecommunication fee bank card settlement system, telecom operators' communication network, telecommunication service and data processing network system and user terminal constitute, comprise interconnective bank card telecommunication service speech processes center and bank card telecommunication service data processing centre, bank card telecommunication service speech processes center is connected with access ground bank card telecommunication service middleware access platform, and be connected with the telecom operators communication networks, telecom operators' communication network is connected with user terminal, bank card telecommunication service data processing centre is connected with the data processing network system with telecommunication service by special line, insert ground bank card computer system and be connected on the access ground bank card telecommunication service middleware access platform, insert ground bank card computer system and be connected with the bank card national network.Wherein, telecommunication fee bank card settlement system can be accepted the different telecom operators' communication networks and the access of bank card information processing system simultaneously, as Bank of China, China Construction Bank, the Industrial and Commercial Bank of China, China Merchants Bank, China Telecom, CHINAUNICOM, China Mobile etc.Bank card telecommunication service speech processes center is made of fire compartment wall, encryption equipment, phonetic machine, router, gateway, computer, scrambler, seven signalings, software, and bank card telecommunication service data processing centre is made of fire compartment wall, computer, database, software, router, gateway, array dish, CD server, encryption equipment.Telecommunication service and data processing network system comprise toll telephone charging platform, charging of IP phone calls platform, cell phone charging platform, Internet access, paging centers's charging platform etc., and telecom operators' communication network comprises PSTN, the Internet etc.
Be that the bank card business integrated solution of CHINAUNICOM is that example is further described with telecom operators' communication network below.UNICOM professional bank card speech processes center is connected as 17910 grades with the telecommunication service network, the professional bank card data processing center of UNICOM is connected by wideband private wire with multiple service platform whole network system of CHINAUNICOM, comprise 193 toll telephones, 17910IP/17911IP and 165 internet platforms etc., the telecommunication service network is admitted native client, Ben Sheng strange land client, he economizes the client, UNICOM professional bank card speech processes center is settled accounts halfpace with China Construction Bank Long Card telecommunication service and is connected, this platform is connected as Jiangsu Province Construction Bank computer center with access ground, computer center is connected with Construction Bank Long Card national network, like this, the Long Card data just can be shared in UNICOM's telecommunication service network, realize that telecommunication user Construction Bank of UNICOM Long Card is as the means of payment.Client's telecommunication fee bank card payment implementation procedure is:
1, telecommunication fee bank card payment registration.
1) holder dials the Number for access of telecom operators from arbitrary phone, and the voice suggestion holder selects the bank card service;
2) voice of bank card electric industry affair speech processes center continued access telecom operators allow the holder from phone input bank card number, bank card password, after bank confirms, please the holder import " conversation password ", after the success of opening an account, inform that the holder " opens an account successfully ";
3) bank card telecommunication service data processing centre send bank to confirm bank's card number and password encryption composition normal data bag, send telecom operators with bank's card number and conversation password encryption group bag;
4) transaction of bank main and all banks card settlement network system queries and affirmation;
5) the Business Processing network registration of telecom operators is open-minded.
2, telecommunication fee bank card payment pre-payment.
1) holder dials the Number for access of telecom operators from arbitrary phone, and the voice suggestion holder selects the bank card service;
2) voice of bank card electric industry affair speech processes center continued access telecom operators allow the holder from phone input bank card number, bank card password and the amount of money of paying dues, transfer accounts successfully after, inform that the holder pays dues successfully;
3) bank card telecommunication service data processing centre send bank transfer affirmation group to send telecom operators with the bank's card number and the amount of money encrypted set bag of paying dues in bank's card number, password and the amount of money of paying dues encryption composition normal data bag;
4) bank main and all banks card settlement network system's consumer sale and affirmation;
5) service billing of telecom operators processing network center continues to pay dues.
When the holder applies for that telecom operators' IP phone service is opened an account, at first put through free access phone and select " bank card service ", voice platform is forwarded to " bank card IP leads to voice platform " automatically, the user also can externally announce free IP phonecard card number and password by dialling one of 17910 input, authenticates holder's card number and the legitimacy of clip pin is also put on record by " bank card IP leads to processing platform " to bank.After obtaining bank and authenticating, at first, " bank card IP leads to processing platform " sends to the IP operation main frame with 4 IP phonecards conversation passwords of the IP phonecard that produces number and user's input, for the holder opens an account in the IP main frame; Then, the call voice platform of " bank card IP leads to processing platform " number is used the voice informing holder with IP phonecard, simultaneously in the computer of " IP leads to front end processor " of " bank card IP lead to processing platform " and bank side, stay the data of opening an account accordingly, be convenient to manage and provide service for the holder.
" the professional bank card payment processes " center " individual processing all banks card client of UNICOM applies for UNICOM's business, charges, deducts fees, and with affairs such as banking system exchange pertinent information.Voice platform is accepted customer requirement in the presentate mode, and bank's voice-data transaction, and integrated system connects bank respectively and telecommunications is responsible for effective client and related service data, carries out exchanges data, telephone expenses clearing between the two, and accepts both inquiries.Because bank has the bankcard network of perfect in shape and function, advanced technology and is placed in the telecommunication service network of each data set mid point, as customer service systems such as " 95533 ", employing serves as to insert bank with a certain member of bankcard network, make telecommunication system pass through specifically to insert bank and bankcard network UNICOM, thus reach with the whole nation all mutual exchange messages of bank card issuing bank purpose.By in telecommunication service, increasing " the professional bank card payment processes " center " (hereinafter to be referred as processing center) of UNICOM and transform bank " 95533 " customer service system; make bank card (credit card or deposit card) holder as long as use bank card number and password; directly apply for IP193 to communication-bank card business processing center or 95533 Call centers of bank; 165 business (contain pre-payment and after pay phone) of expecting someone's call; just can make the service of 95533 Call centers by the telecommunications processing center; have the telecommunications IP phone by phone (or online), 193 toll telephones, 165 online, mobile phone, the service of service centers such as paging realizes registration, open-minded, accept and pay the fees, function such as deduct fees.Can reduce TSR telecommunications service request, clearing link to greatest extent thus, make things convenient for the bank card client to use the service of telecommunications.
Claims (4)
1, a kind of bank card paying system for telecommunication fee, it is characterized in that: it is by the bank card information processing system, telecom operators' communication network, telecommunication service and data processing network system and user terminal constitute, telecommunication fee bank card settlement system comprises interconnective bank card telecommunication service speech processes center and bank card telecommunication service data processing centre, bank card telecommunication service speech processes center is connected with access ground bank card telecommunication service middleware access platform, and be connected with the telecom operators communication networks, telecom operators' communication network is connected with user terminal, bank card telecommunication service data processing centre is connected with the data processing network system with telecommunication service by special line, inserts ground bank card computer system and is connected on the access ground bank card telecommunication service middleware access platform.
2, bank card paying system for telecommunication fee according to claim 1 is characterized in that: telecommunication fee bank card settlement system can be accepted the different telecom operators' communication networks and the access of bank card information processing system simultaneously.
3, bank card paying system for telecommunication fee according to claim 1 and 2 is characterized in that: bank card telecommunication service speech processes center is made of fire compartment wall, encryption equipment, phonetic machine, router, gateway, computer, scrambler, seven signalings, software.
4, bank card paying system for telecommunication fee according to claim 1 and 2 is characterized in that: bank card telecommunication service data processing centre is made of fire compartment wall, computer, database, software, router, gateway, array dish, CD server, encryption equipment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 01108115 CN1365227A (en) | 2001-03-08 | 2001-03-08 | Bank card paying system for telecommunication fee |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 01108115 CN1365227A (en) | 2001-03-08 | 2001-03-08 | Bank card paying system for telecommunication fee |
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| CN1365227A true CN1365227A (en) | 2002-08-21 |
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| CN 01108115 Pending CN1365227A (en) | 2001-03-08 | 2001-03-08 | Bank card paying system for telecommunication fee |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101354805B (en) * | 2007-07-26 | 2010-08-04 | 华为技术有限公司 | Bank interface machine, automatic charging method and system |
| CN1731807B (en) * | 2005-09-06 | 2010-09-22 | 北京中科汇软科技有限公司 | Method for carrying out voice payment via wireless terminal |
| CN101097647B (en) * | 2006-06-07 | 2010-11-24 | 李京海 | System and method for automatically requesting and payment with bank card number |
| CN110740431A (en) * | 2019-10-14 | 2020-01-31 | 张承玉 | mobile communication fee payment method and system based on converged credit control |
| CN110769388A (en) * | 2019-10-14 | 2020-02-07 | 张承玉 | Mobile communication fee payment method and system based on converged credit control |
| CN111028122A (en) * | 2019-11-22 | 2020-04-17 | 张学志 | Business mode and device of mobile telecommunication business department |
-
2001
- 2001-03-08 CN CN 01108115 patent/CN1365227A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1731807B (en) * | 2005-09-06 | 2010-09-22 | 北京中科汇软科技有限公司 | Method for carrying out voice payment via wireless terminal |
| CN101097647B (en) * | 2006-06-07 | 2010-11-24 | 李京海 | System and method for automatically requesting and payment with bank card number |
| CN101354805B (en) * | 2007-07-26 | 2010-08-04 | 华为技术有限公司 | Bank interface machine, automatic charging method and system |
| CN110740431A (en) * | 2019-10-14 | 2020-01-31 | 张承玉 | mobile communication fee payment method and system based on converged credit control |
| CN110769388A (en) * | 2019-10-14 | 2020-02-07 | 张承玉 | Mobile communication fee payment method and system based on converged credit control |
| CN111028122A (en) * | 2019-11-22 | 2020-04-17 | 张学志 | Business mode and device of mobile telecommunication business department |
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