CN1744646A - System and method for providing charging payment business in telecommunication network - Google Patents
System and method for providing charging payment business in telecommunication network Download PDFInfo
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- CN1744646A CN1744646A CN 200410064291 CN200410064291A CN1744646A CN 1744646 A CN1744646 A CN 1744646A CN 200410064291 CN200410064291 CN 200410064291 CN 200410064291 A CN200410064291 A CN 200410064291A CN 1744646 A CN1744646 A CN 1744646A
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Abstract
The system includes service control point (SCP), account operation platform and value added platform. Further, the system also include following parts: unified value added center (VC) in use for providing unified value added service; value added management center (VMP) in use for managing VC; value added service management access point (VMAP) in use for accessing value added request; and general communication front-end processor (GFEP) in use for forwarding message of value added service. Through VMP, VC is connected to VMAP. Moreover, through GFEP, VC is connected to account operation platform and value added platform. VC is also connected to SCP. The invention also discloses method for supporting value added service in telecom network. The invention provides unified value added service so as to bring convenience for users and service providers as well as lower cost.
Description
Technical field
The present invention relates to the charging payment business in the telecommunications network, more particularly, relate to a kind of system and method that charging payment business is provided in telecommunications network.
Background technology
In recent years, supplement with money with paid service and in telecommunications network, obtained development rapidly, for example, the user can buy 200 rechargeable cards, then by dial 200 supplement with money phone with the money charging of the rechargeable card bought on 200 accounts of oneself, thereby 200 telephone services that use telecommunications network to provide can be provided; Again for example, the user can call the access code of bank, pays landline telephone expense or cellular telephone rate or the like by the bank account of oneself, even all right electricity payment and water rate or the like.Provide charging payment business to bring great convenience to the user of telecommunications network, make the user can not go the sales counter of telecommunications company, Utilities Electric Co. or waterpower company that the service of using these companies to provide just can be provided, exactly because also like this, supplement with money with paid service and obtained development very fast nowadays.
Of today supplement with money with paid service all be that the intelligent network based on telecommunications network by as shown in Figure 1 provides, as can be seen from Figure 1, service management point (SCP) is connected to account platform and charging payment platform by communication front end processor (FEP), specifically, SCP links to each other with FEP, and FEP is connected to account platform and charging payment platform simultaneously.And SCP can also be connected to the intelligent net system of far-end by the Signaling System Number 7 net, just is connected to the SCP and the Signalling Transfer Point (SSP) of far-end.In addition, SCP also is connected to SMAP (SMAP) by service management point (SMP).In this system, all charging payment business are all handled by SCP, and the account platform is also referred to as the account center, preserved user's accounts information thereon, and the charging payment platform is also referred to as third party's information platform, and for example bank's platform etc. is used for being responsible for the charging payment operation.
When the user need carry out charging payment, dial corresponding access code, import necessary informations such as accounts information then, SCP passes through the interacting message with account side and charging payment platform, finishes the required charging payment operation of user.But in the prior art, though different charging payment business are all carried out by SCP, but each charging payment business all has a kind of independent service logic, and each charging payment business all needs to set up an independent database, and dialing the voice suggestion of being play behind the access code simultaneously may also be not quite similar.Exactly because the foreground administration interface of different charging payment business, the difference of background data base cause various charging payment business to do things in his own way, have a style of one's own.When the user uses different charging payment operations like this, may need to buy different rechargeable cards or bank card, and different voice suggestions also can cause puzzlement to the user.And concerning service supplier, need set up the different charging payment platforms of supplementing with money, thereby also increased the inconvenience of construction, operation and maintenance.
In addition, the user buys the use cost that different charging payment cards has increased the user when using different charging payment business.Simultaneously, service supplier is set up the different raisings that the charging payment platform has also caused operation cost of supplementing with money, and causes the waste of fund.
Summary of the invention
In view of this, main purpose of the present invention is to propose a kind of system that charging payment business is provided in telecommunications network, various charging payments can be realized on identical business platform, thereby great facility is provided simultaneously for user and service supplier, and reduce cost.
Another object of the present invention provides a kind of method that charging payment business is provided in telecommunications network, so that unified charging payment business to be provided, thereby great facility is provided simultaneously for user and service supplier, and reduces cost.
Above-mentioned purpose of the present invention is achieved by the following technical solutions:
A kind of system that charging payment business is provided in telecommunications network, comprise SCP, account platform and charging payment platform, and further comprise a unified charging payment center (VC) that is used to provide unified charging payment business, be used for charging payment business management point (VMP) that VC is managed, be used to insert the charging payment business management access point (VMAP) of charging payment business request and the universal communication front end processor (GFEP) that is used to transmit charging payment business message, wherein VC is connected to VMAP by VMP, and be connected to account platform and charging payment platform by GFEP, VC is connected with SCP simultaneously.
Wherein VC, account platform and charging payment platform can be connected to GFEP simultaneously.Perhaps, system further comprises a payment interface FEP, and this moment, VC was connected to GFEP, and GFEP, account platform and charging payment platform are connected to payment interface FEP simultaneously.Comprise further in system under the situation of payment interface FEP that payment interface FEP and account platform can be integrated in the same physical equipment.
And, system may further include service management point SMP, SMAP SMAP and the communication front end processor FEP that handles the IN service except that charging payment business, and VMP, VMAP and GFEP are integrated in the same physical equipment with SMP, SMAP and FEP respectively.VC and charging payment platform also can be integrated in the same physical equipment.
In said system, digital data network (DDN) special line is adopted in connection between GFEP and account platform and the charging payment platform, between VC and GFEP, SCP, the VMP and the connection between VMP and the VMAP adopt local area network (LAN), the message format between them adopts ICP/IP protocol.In addition, VC can further be connected to strange land SCP by the Signaling System Number 7 net, and the Signaling System Number 7 connected mode is adopted in described connection.
10. method that charging payment business is provided in telecommunications network comprises at least:
A. set up a VC who is used to focus on charging payment business, and with all charging payment business information stores in the database of a consolidation form;
B. be that VC distributes an independent access telephone number, and the interaction process flow process that is applicable to all charging payment business between and the user is provided;
C. the message format that is provided with between VC, account platform and the charging payment platform comprises information such as destination node, source node, type of message and charging payment type at least;
D. receive after the user initiates charging payment business by the access telephone number of dialing VC as VC, playing voice suggestion requires the user that the charging payment business information needed is provided, and the information that provides according to the user generates the charging payment business request message that comprises information such as destination node, source node, type of message and charging payment type at least, finishes the charging payment operation by the interacting message between VC, charging payment platform and the account platform then;
When charging payment business is initiated by the charging payment platform, the charging payment platform generates the charging payment business request message that comprises destination node, source node, type of message and charging payment type information, finishes the charging payment operation by the interacting message between VC, charging payment platform and the account platform then.
Interaction process flow process among the above-mentioned steps b between VC and the user comprises:
The prompting user selects recharging service or paid service;
If the user selects recharging service, the prompting user selects by the recharging service type, point out the user to input then and supplemented with money number of the account and password, pointing out the user to select rechargeable card then still is that bank remits money and supplements with money, and correspondingly points out the user to input rechargeable card card number and password or input Bank Account Number and password;
If the user selects paid service, the prompting user selects by the paid service type, point out the user to input then by paying number of the account and password, point out the user to select rechargeable card bank's payings of remitting money of paying still then, and correspondingly point out the user to input rechargeable card card number and password or import Bank Account Number and password.
And, user input supplemented with money number of the account or by the paying number of the account after may further include prompting user selection and whether carry out inquiry into balance.
Receive after the user initiates recharging service by the access telephone number of dialing VC as VC among the above-mentioned steps d, described finishing by the interacting message between VC, charging payment platform and the account platform supplemented operation with money and comprised:
VC sends the solicitation message that queries the balance to the account platform, and the account platform carries out the inquiry into balance operation, returns the acknowledge message bag that queries the balance of the remaining sum value that has inquiry then to VC;
VC sends deduction application message bag to the charging payment platform, and the charging payment platform returns the acknowledge message bag of withholing to VC after the operation of withholing;
VC sends to the account platform and supplements solicitation message with money, and the account platform is supplemented operation with money, returns to VC then and supplements the acknowledge message bag with money.
Among the above-mentioned steps d when recharging service is initiated by the charging payment platform, described by the interacting message between VC, charging payment platform and the account platform finish supplement with money the operation comprise:
The charging payment platform sends the solicitation message of remitting money to VC, and VC sends one to the account platform and supplements solicitation message with money after receiving this message bag;
The account platform is supplemented operation with money, returns one to VC then and supplements the acknowledge message bag with money, and VC returns the acknowledge message bag of remitting money to the charging payment platform after receiving this message bag.
Receive after the user initiates paid service by the access telephone number of dialing VC as VC among the above-mentioned steps d, describedly comprise by the operation that completes charge of the interacting message between VC, charging payment platform and the account platform:
VC sends the bill solicitation message to the account platform, and the account platform is determining to return bill data message bag to VC under this situation about can be paid by the number of the account of paying;
VC sends deduction application message bag to the charging payment platform, and the charging payment platform returns the acknowledge message bag of withholing in the operation back of withholing to VC;
VC sends the solicitation message that writes off to the account platform, and the operation that writes off of account platform is returned the acknowledge message bag that writes off to VC then.
The charging payment platform here is bank's platform or paying card number platform.
Supplement with money when operation according to of the present invention carrying out, the interacting message between VC, charging payment platform and the account platform adopts TCP/IP message or Signaling System Number 7 message.
From technique scheme of the present invention as can be seen, the present invention is independent of original SCP and has set up a VC who is used to focus on charging payment business in existing communication network, and corresponding VMP and the VMAP that uses jointly with VC that set up.All like this charging payment business can come out to concentrate on the VC separately and handle, and other IN service is all carried out by original SCP, thereby the basis of hardware is provided for unified charging payment.
Except having set up unified VC platform, relevant information for all charging payment business leaves in the database of a consolidation form, and unified and handling process user interactions are provided for all charging payment business, concrete charging payment platform and the account platform of charging payment operation for same kind all adopts same handling process simultaneously, thereby unified database, foreground administration interface and business processing flow by above-mentioned steps for different charging payment business.
Further, the destination node related owing to different charging payment operations is different with source node, just related account platform is different with the charging payment platform, therefore when handling concrete charging payment operation, need discern different nodal informations, the present invention is for VC for this reason, message format between account platform and the charging payment platform is reset, make it comprise the charging payment type at least, type of message, source node information and destination node information, distribute different information can realize their difference for different concrete charging payment requests like this, thereby on a platform, can provide various charging payment business.
In addition, system of the present invention not only supports to supplement with money by this locality of TCP/IP mode, also supports the recharging at different places by No. 7 signalling, not only supports to supplement with money operation, and supports operation for paying the fee, thereby make use of the present invention more flexible.
By unified charging payment is provided in telecommunications network, the user only need dial unified phone access code can finish various charging payment operations, has therefore brought convenience to the user.Service supplier also can combine multiple business and not need to set up a system separately for each business simultaneously, thereby has reduced the operation of construction, operation and maintenance, and has therefore brought facility to service supplier.
Simultaneously, the user can utilize a card just can realize different charging payment operations, has reduced the user and has bought the cost of card and the cost of service supplier issuing card.And, providing system by unified charging payment, service supplier need not set up the different charging payment platforms of supplementing with money for different charging payment business, thereby has reduced operation cost, has saved fund.
In addition, by unified charging payment business is provided, can realize the professional localization and the centralization of fund.And the brand recognition that helps charging payment business, thereby the further popularization of promotion charging payment business.
Description of drawings
Fig. 1 is the system group network figure that charging payment business is provided according to prior art.
Fig. 2 is the system group network figure that charging payment business is provided according to an embodiment of the invention.
Fig. 3 is the system group network figure that charging payment business is provided in accordance with another embodiment of the present invention.
Fig. 4 is the overview flow chart of the method according to this invention.
Fig. 5 be and the user between an example of interaction process flow process.
Fig. 6 be and the user between another example of interaction process flow process.
Fig. 7 be and the user between another example of interaction process flow process.
Fig. 8 be and the user between another example of interaction process flow process.
Fig. 9 is a message structure schematic diagram of realizing method of the present invention.
Figure 10 is the interacting message figure that is remitted money and supplement with money by bank by user's initiation.
Figure 11 is the interacting message figure that is remitted money and supplement with money by bank by bank's initiation.
Figure 12 is that the user pays the interacting message figure of telephone charges by dialing the service access phone.
Embodiment
The present invention is described in detail below in conjunction with the drawings and specific embodiments.
Thereby use independent database, independently service logic and the foreground administration interface situation that causes various charging payment business to do things in his own way, have a style of one's own independently in order to solve various charging payment business in the prior art, the present invention unifies data library structure, service logic and foreground administration interface, and revised the form of the intermediate transport message of carrying out charging payment business, make intermediate transport message can discern different types of service, different information such as node, thereby realize that realization of the present invention unifies the goal of the invention of charging payment.
On the basis of the system that charging payment business is provided shown in Figure 2, the present invention further sets up a VC, be used for various charging payment business are concentrated on this service process platform, the processing of before carrying out on the VC, on SCP, carrying out, but it is different with SCP, VC only provides charging payment business, and other IN services are not provided.Corresponding with VC, the present invention has further set up and has been used for the VMP that VC is managed and is specifically designed to the VMAP that inserts the charging payment business request.Here VC is connected with VMAP by VMP.
In the prior art, SCP is connected to FEP, and is connected to account platform and charging payment platform by FEP.And in one embodiment of the present of invention as shown in Figure 2, the VC that is set up by the present invention is connected to a GFEP, and is connected to account platform and charging payment platform by GFEP.Specifically, VC is connected to GFEP, and GFEP is connected to account platform and charging payment platform more simultaneously, and does not directly connect between account platform and the charging payment platform.The present invention just can come all charging payment business are focused on by the VC that unified charging payment business is provided like this.
In the present invention, VC is connected with SCP simultaneously, is connected to SMAP and SCP is also the same with all intelligent net system by SMP.Except being connected of GFEP and account platform and charging payment platform adopts the DDN special line, above-mentioned all connections all are to pass through local area network (LAN).No matter be that DDN private line access or local area network (LAN) connect, employed host-host protocol all is TCP/IP.Local area network (LAN) connection and DDN private line access all adopt solid line to represent among the figure.
Except local network, VC also is connected to the Signaling System Number 7 net by the mode of Signaling System Number 7, and being connected to the SCP and the SSP of far-end by the Signaling System Number 7 net, VC not only can provide charging payment business to the local user like this, but also can provide charging payment business to the user in strange land.Among the figure, Signaling System Number 7 connects the employing dotted line and represents.
In addition, VC can also be connected with SMP, adopts chain-dotted line to represent connection possible between them here.
The effect of above-mentioned GFEP is identical with the effect of FEP of the prior art, and being called GFEP here is in order to distinguish mutually with the FEP of prior art, because the GFEP here only handles charging payment business, and not handle other IN services.Certainly it will be understood by those skilled in the art that GFEP also can be integrated in the same equipment with FEP, but preferably, GFEP is provided with separately in network still.
Equally, VMP can be integrated in the same equipment with SMP, and VMAP and SMAP also can integrate, but preferably, for the management with other IN services does not influence each other, VMP and VMAP are provided with separately in network.
In this embodiment, VC is the whole center that the system of unified charging payment is provided, and it is the access platform of customer call, is again the intermediary interface that connects account platform and charging payment platform.Directly do not connect between account platform and the charging payment platform, all charging payment operations all are to be dealt into account platform or charging payment platform by the VC platform.
The charging payment platform here can be third party's information platforms such as bank, also can be the card number platform in the intelligent network.Certainly, it will be appreciated by those skilled in the art that, if the charging payment platform is the card number platform in the intelligent network, and the professional card number service with the charging payment platform of VC is arranged in same intelligent network, VC platform and being connected of charging payment platform can omit so, and any operation that the charging payment platform is carried out is all directly finished in intelligent network inside.
In addition, system group network of the present invention also can adopt structure as shown in Figure 3.In second embodiment as shown in Figure 3, GFEP directly is not connected with account platform and charging payment platform, but is connected to a payment interface FEP, and is connected to account platform and charging payment platform by this payment interface FEP.In this system configuration, VC, account platform and charging payment platform are in the status of equality, and payment interface FEP then is the center that connects them.Wherein, VC is responsible for inserting, receiving user's operation information, and this information is sent to payment interface FEP, and receives and to play corresponding voice from the response message of payment interface FEP and to the user, and in other words, VC is the user interface of whole charging payment system.The account platform is responsible for providing user's billing data, and the request message of transmitting according to payment interface FEP provides Query Result to payment interface FEP, perhaps sends the operating result of the operation that writes off to payment interface FEP in the back that writes off.The charging payment platform is responsible for carrying out operation for paying the fee, according to the request of deducting fees that payment interface FEP forwards, deducts the expense of being asked in corresponding number of the account, and returns the operating result of deducting fees to payment interface FEP.
In this embodiment, payment interface FEP can be provided with separately, also can be finished by the account platform as required, just integrates with the account platform.And the account platform can have directly with the charging payment platform and is connected, and its connection can be adopted the DDN special line.
By two embodiment system configuration of the present invention has been described above, as can be seen, by setting up independent VC, all charging payment business of originally realizing on same SCP or different SCP can be concentrated in together, and other IN services of getting along well produce and influence each other, the basis of hardware is provided for unified charging payment business of the present invention like this, has unified the method for charging payment again in conjunction with the following realization that will describe in detail, can intactly reach purpose of the present invention.
Fig. 4 shows the flow chart that charging payment is unified in realization according to the present invention.As shown in Figure 4, method flow of the present invention comprises following processing procedure at least.
In step 401, at first set up a VC who is used to focus on charging payment business, connect account platform and charging payment platform by VC, and the relevant information of all charging payment business is stored in the database of a consolidation form.
In step 402,, and provide a voice suggestion that is applicable to all charging payment business for all charging payment business distribute an independent access telephone number.
In step 403, the message format between VC, account platform and the charging payment platform is set, make it comprise information such as destination node, source node, type of message and charging payment type at least.
Above-mentioned step 401 all need be carried out in advance to 403, can handle each concrete charging payment business by above-mentioned steps.In the present invention, concrete charging payment business both can be initiated by the access telephone number of dialing VC by the user, also can initiatively be initiated by the charging payment platform.
In step 404, under the situation that concrete charging payment business is initiated by the access telephone number of dialing VC by the user, when VC receives after the user initiates charging payment business by the access telephone number of dialing VC, play unified voice suggestion to the user, require the user to import relevant information, and according to user profile generation charging payment business request message, the business request information here comprises information such as destination node, source node, type of message and charging payment type at least.Finish whole charging payment operation by the interacting message between VC, charging payment platform and the account platform then.Under the situation that concrete charging payment business is initiated by the charging payment platform, the charging payment platform generates the charging payment business request message that comprises destination node, source node, type of message and charging payment type information, finishes whole charging payment operation by the interacting message between VC, charging payment platform and the account platform then.
In above-mentioned steps 401, be appreciated that VC is connected to account platform and charging payment platform by GFEP, or be connected to account platform and charging payment platform by GFEP and payment interface FEP.The database of setting up consolidation form means that the specifying information that is comprised is identical for the relevant information of all charging payment business.
In above-mentioned steps 402, owing to set up the VC that is used to focus on charging payment business, so no matter all users need to use any charging payment business, can dial the access telephone number of this VC.And VC provides unified call voice prompting for all charging payment business, identical foreground administration interface just is provided, what hear when the user uses different charging payment business like this is identical voice suggestion, and only need select different options to get final product, thereby bring great advantage to the user.
Fig. 5 shows the example of the interaction process flow process between a VC and the user.After receiving the phone call request of destination Mobile Station International ISDN Number that the user dials for this access telephone number, at first step 501 to 503 by VC to user's playing welcome announcement, point out the user to select voice class then, for example Chinese is still English, point out the user to carry out menu 1 then and select, just supplement with money please by 1, pay please by 2.After the user had carried out menu 1 selection, VC judged user's selection in step 504.If the user has just selected to supplement with money by 1, then enter step 505 and subsequent step thereof; If the user has just selected paying by 2, then enter step 511 and subsequent step thereof.
After the user has selected to supplement with money, at first carry out menu 2 and select step 505 prompting user, just select by the recharging service type, for example be to supplement with money to user's 200 cards.No matter need to prove, be that selection is any by the recharging service type here, and follow-up voice suggestion and the subsequent treatment of VC all are identical.Supplemented with money number of the account and password in step 506 prompting user input then.After the user inputs number of the account and password, carry out menu 4 step 507 prompting user and select, just select rechargeable card please by 1, query the balance please by 2, bank remits money please by 3.After the user had carried out menu 4 selections, VC judged user's selection in step 508.If the user has selected rechargeable card, then further input rechargeable card card number and password step 509 prompting user.If the user has selected bank to remit money, then further input Bank Account Number and password step 510 prompting user.And if the user has selected to query the balance, then VC directly handles, and need not reresent the user before handling, and only need inform that the user gets final product after handling.
If what judge that the user selects in step 504 is to pay, at first carry out menu 3 and select step 511 prompting user, just select the paid service type, for example be to charge for telephone etc.Equally, what no matter the user selected is any paid service type, and follow-up voice suggestion and the subsequent treatment of VC all are identical.Step 512 prompting user input by paying number of the account, password thereafter.To user input carried out local authentication or account platform authentication by paying number of the account and password after, carry out menu 5 step 513 prompting user and select, select just that rechargeable card is paid please by 1, the bill inquiry please by 2, bank remits money please by 3.VC judges user's selection in step 514.If the user has selected the rechargeable card paying, then further point out the user to input rechargeable card card number and password in step 515.If the user has selected bank to remit money, then further point out the user to input Bank Account Number and password in step 516.And if the user has selected the bill inquiry, same VC directly handles, and need not reresent the user before handling, and only need inform that the user gets final product after handling.
In above-mentioned example, no matter be recharging service or paid service, no matter be to supplement with money or supplement with money to 300 cards to 200 cards, no matter be to remit money by rechargeable card or by bank to supplement with money, no matter be to charge for telephone or pay the water power gas charge, no matter be to pay or, can use same handling process, thereby simplify processing greatly to charging payment business by bank's paying of remitting money by rechargeable card.Certainly can understand, can suitably change above-mentioned handling process for different practical applications, for example can enter menu 4 then and carry out same selection as shown in Figure 6 according to the different prompt tone of different choice broadcast of menu 2 after the user selects to supplement with money.Perhaps as shown in Figure 7, require the user to input rechargeable card card number and password earlier, carry out the selection of menu 2 then.Again for example, after selecting to pay, the user require the user to select to pay still according to a minute account sequence number paying as shown in Figure 8 by telephone number, if and the user has selected to pay according to minute account sequence number, further can divide the account sequence number to user prompt, the unified at last selection that enters menu 6 according to the telephone number of user's input.The selection of menu 6 can comprise paying, stops payment, inquiry, debit card balance transfer or the like.
Above-mentioned all menus all can dispose flexibly, comprise realize menu have or not, adjust menu prompt function and masked segment menu function.The bill of for example only opening paying is paid, two functions of bill inquiry, and then can be according to following configuration: menu 1 place be provided with default feature and be " paying ", and the user just can't hear the prompt tone of menu 1 like this.And menu 3 can keep paying and query function, and other can shield by configuration.Be prompted to user's voice like this and be " bill is paid please by 1, and bill is inquired about please by 2 ".Simultaneously, playing welcome announcement and prompting user select step such as category of language also can cancel.
In a word, the service provider can dispose flexibly according to different business demands and environment for use, describes in detail no longer one by one here.
Below again by a concrete reciprocal process of supplementing procedure declaration VC of the present invention and user with money.Here the calling number of supposing the user is 01087654321, and the unified phone access code of VC is 225, and the rechargeable card card number is 123412345678, is 888812345678 by the rechargeable card card number, rechargeable card and all be 1234 by the password of rechargeable card.
When the user wishes to supplement with money, at first dial the unified phone access code 225 of VC, VC is after detecting user's phone call request, at first point out the user to import the rechargeable card card number, after the user imported 123412345678, the system prompt user imported prepaid card password, and the user imports 1234.System prompt user " rechargeable card is please by 1, queries the balance please by 2, and bank remits money please by 3 " then.This moment, the user imported 1, and system then points out the user to import by the rechargeable card card number, and after the user imported 888812345678, prompting user input was by prepaid card password, and this moment, the user imported 1234.After receiving all these information, system supplements processing with money, for example increases remaining sum, extends the expiration date and retention period etc., and write down corresponding daily record.So far the user can realize that it is to supplementing with money by rechargeable card.
Except having unified maintenance management interface, foreground, the reciprocal process of just having unified VC and user, handle in order to realize unified charging payment business, also must be in the interacting message between VC and charging payment platform, the account platform destination node and the source node of the different type of message of identification, identification charging payment type, identification charging payment business, for this reason redetermination a kind of message format reach above-mentioned identifying purpose.
The message format of redetermination as shown in Figure 9 according to the present invention, a message comprises message header and message body, and message header is made up of 8 fields, field 1 expression message-length, field 2 expression cryptographic algorithm numberings, field 3 expression message serial numbers, field 4 expression News Categories, field 5 expression source node classifications, field 6 expression destination node classifications, field 7 expression message transmitting times, field 8 expression charging payment types.Message body waits other fields to form by field 9, comprises the field of representing answer code in these fields at least.In message header, News Category, source node classification, destination node classification and charging payment type all are requisite in order to realize unification charging payment institute.
Wherein, field 4 represented main News Categories can be defined as: bill application bag, 0007; Bill data bag, 0008; The deduction application bag, 0009; Withhold and confirm bag, 0010; Account is initiated payment request bag, 0011; Account is initiated to pay and is confirmed to wrap 0012; The application that writes off wraps 0013; Write off and confirm bag, 0014; The application of remitting money wraps 0023; Remit money and confirm bag, 0024; The application that queries the balance wraps 0035; Query the balance and confirm bag, 0036; Supplement the application bag with money, 0037; Supplement with money and confirm bag, 0038; Or the like.
Field 5 and field 6 represented main source node and destination nodes can be defined as: Bank of China, 0100; The Industrial and Commercial Bank of China, 0200; China Construction Bank, 0600; 200 cards, 1001; 300 cards, 1003; IC-card, 1004; China Telecom, 2100; CHINAUNICOM, 2200; Running-water Company, 2300; Utilities Electric Co., 2400; Or the like.
Field 8 expression charging payment classifications supplement with money and can be defined as 3000, and main payment category can be defined as: domestic city telephone rate, 0001; National distance takes, and 0002; Mobile communication is taken, and 0004; Expenses of surfing Internet, 0006; Water rate, 1001; The electricity charge, 1002; The cable TV license fee, 1004; Or the like.
Utilize above-mentioned unified charging payment system to unify the method for charging payment below in conjunction with several concrete example introductions.
In first example, initiate recharge procedure by the user by the unified phone access code of dialing VC, and remit money to being supplemented with money by rechargeable card by bank.Figure 10 shows the message interaction process of this example.
At first, by VC and user's aforementioned interaction flow, VC obtains carrying out the more necessary information of recharging service, and for example the user wishes to supplement with money for 200 card numbers of oneself by the number of the account of Bank of China.VC supplements operation with money by finishing jointly with the interacting message of account platform and charging payment platform then.
Specifically, VC is at first to the account platform, and just 200 card platforms send the application bag that queries the balance.In the message header of this message bag, information such as destination node, source node, type of message and charging payment type have been comprised, wherein destination node is the numbering 1001 of 200 cards, source node is the numbering 0100 of Bank of China, type of message is the numbering 0035 of application bag of querying the balance, the charging payment type then be expression supplement with money 3000.That is to say that field 4 is 0035, field 5 is 0100, and field 6 is 1001, and field 8 is 3000.Information such as the number of the account of the card numbers of 200 cards and password and Bank of China and password in the message body of this message bag, have been comprised.
The account platform is after receiving this message bag, determine type, destination node, source node and the charging payment type of this message according to the information in this message header, then 200 card numbers that block of the input of the user in the message body are judged, if supplemented with money number of the account and can be supplemented with money, then return the affirmation bag that queries the balance to VC, wherein the type of message in the message header is revised as to query the balance and confirms the numbering 0036 of bag, field 5, field 6 and field 8 are then identical with the application bag that queries the balance, and the answer code in the message body is set to success simultaneously.If supplemented with money number of the account and can not supplement with money, then the answer code in the message body is set to get nowhere, and finishes the process of supplementing with money.
VC is after receiving the acknowledge message that queries the balance, to the charging payment platform, just bank's platform sends a deduction application bag (field 4=0009, field 5=0100, field 6=1001, field 8=3000), the charging payment platform is withholdd in corresponding number of the account, affirmation bag (the field 4=0010 that withholds is returned to VC in the back withholing, field 5=0100, field 6=1001, field 8=3000).VC sends to the account platform and supplements application bag (field 4=0037 with money then, field 5=0100, field 6=1001, field 8=3000), the account platform is injected into fund to be supplemented with money to return afterwards in the number of the account VC platform and supplement with money confirms bag (field 4=0038, field 5=0100, field 6=1001, field 8=3000).So far the user has finished that calling remits money by bank realizes the business supplement with money.
Certainly can understand, if 200 card business are provided by VC too, the message interaction process between VC and the account platform is actually in VC inside and handles so, and that is to say does not need to send corresponding message, but is directly handled by VC.
In second example, initiatively initiate recharge procedure by bank, and remit money to being supplemented with money by rechargeable card by bank as the charging payment platform.Figure 11 shows the message interaction process of this example.
In actual conditions, the user can not supplement with money by calling yet, but handles the formality that bank regularly remits money in bank side in advance, like this to a time of being arranged, for example first day every month, bank can initiatively initiate to supplement process with money, thereby brings bigger convenience to the user.
Here regularly supplement with money by the account of the Industrial and Commercial Bank of China with the user and be example to IC-card, in this case, after the time that arrives agreement, the essential information that bank provides when contracting this business according to the user, for example supplemented with money number of the account and password, Bank Account Number and password etc., generate the application bag of remitting money, type of message in its message header is remitted money for expression and is applied for 0023 of bag, source node is 0200 of the expression Industrial and Commercial Bank of China, destination node is 1004 of expression IC-card business, and the charging payment type for expression supplement with money 3000, comprise information such as being supplemented with money number of the account and password in the message body.The charging payment platform is after generating this message bag, this message bag is sent to VC, VC receives the information of resolving behind this message bag in the message header, and generate one in view of the above and supplement application bag (field 4=0037 with money, field 5=0200, field 6=1004, field 8=3000), send it to the account platform then.The account platform is after injection fund on corresponding number of the account to it, return to supplement with money to VC and confirm bag (field 4=0038, field 5=0200, field 6=1004, field 8=3000), the VC platform returns to remit money to the charging payment platform then and confirms bag (field 4=0024, field 5=0200, field 6=1004, field 8=3000).So far promptly initiatively initiate to have finished and once supplement operation with money by bank.
In the 3rd example, by the unified telephone number that inserts of dialing VC telephone number is paid by the user.Figure 12 shows the message interaction process of this example.
At first, by VC and user's aforementioned interaction flow, VC obtain paying more necessary information, for example user's paying number of the account and password, the telephone number that will pay and paying password etc.VC supplements operation with money by finishing jointly with the interacting message of account platform and charging payment platform then.
Specifically, VC at first sends bill application bag to the account platform.In the message header of this message bag, information such as destination node, source node, type of message and charging payment type have been comprised.Here the telephone service that supposition will be paid is domestic city telephone rate, and provider is a China Telecom, and the charging payment platform is a China Construction Bank, and the field in this message header 4 is 0007 so, and field 5 is 0600, and field 6 is 2100, and field 8 is 0001.Information such as the number of the account of paying number of the account and password and China Construction Bank and password in the message body of this message bag, have been comprised.
The account platform is after receiving this message bag, determine type, destination node, source node and the charging payment type of this message according to the information in this message header, then to being judged that the user in the message body imports by the paying number of the account, if do not paid as yet by the paying number of the account, then return a bill data bag to VC, wherein the type of message in the message header is revised as the numbering 0008 of bill data bag, and field 5, field 6 and field 8 are then identical with bill application bag.
VC is after receiving the bill data information, to the charging payment platform, just bank's platform sends a deduction application bag (field 4=0009, field 5=0600, field 6=2100, field 8=0001), the charging payment platform is withholdd in corresponding number of the account, affirmation bag (the field 4=0010 that withholds is returned to VC in the back withholing, field 5=0600, field 6=2100, field 8=0001).VC sends write off application bag (field 4=0013, field 5=0600, field 6=2100 to the account platform then, field 8=0001), after the account platform writes off, return for the VC platform and write off and confirm bag (field 4=0014, field 5=0600, field 6=2100, field 8=0001).So far the user has finished that calling remits money by bank realizes the business supplement with money.
With the 3rd example class seemingly, in the 4th example, if the user wishes to pay rather than remit money by bank by for example debit card of 200 cards to pay, so all source node numberings, just field 5 is revised as 1001 and gets final product.Certainly, if 200 card number service are provided by VC, the message interaction process between VC and the account platform is actually in VC inside and handles so, and that is to say does not need to send corresponding message, but is directly handled by VC.
As for the user is to wish to pay or to remit money by bank by debit card to pay, the user can select unified the access in the voice suggestion of hearing behind the telephone number of dialing VC, corresponding then input paying card number and password or Bank Account Number and password get final product, therefore, the present invention provides very large convenience by unified charging payment business is provided to the user.
In the present invention, support this locality to supplement with money and recharging at different places for supplementing with money, if supplement with money this locality, supplement with money by the TCP/IP mode when just the physical distance between account platform and charging payment platform is closer, if recharging at different places is supplemented with money by the mode of Signaling System Number 7 net when just the physical distance between account platform and charging payment platform is distant.No matter being by TCP/IP mode or the mode by the Signaling System Number 7 net, all is transparent for the user.
Except basic charging payment operation, operations such as the system that charging payment is unified in realization according to the present invention can also finish that bill inquiry, bill are stopped payment, password is revised, the cycle of paying dues is set, debit card balance transfer, reconciliation, because these operations are basic identical for the operating process of existing independent charging payment, describe in detail no longer one by one here.
Therefore be appreciated that specific embodiment just further describes of the present invention, can not be in order to restriction the present invention, all any modification, replacement and improvement of being done within the spirit and principles in the present invention etc. all should be included within protection scope of the present invention.
Claims (18)
1. system that charging payment business is provided in telecommunications network, comprise the service control point (SCP), account platform and charging payment platform, it is characterized in that, further comprise a unified charging payment center VC who is used to provide unified charging payment business, be used for charging payment business management point VMP that VC is managed, be used to insert the charging payment business management access point VMAP of charging payment business request and the universal communication front end processor GFEP that is used to transmit charging payment business message, wherein VC is connected to VMAP by VMP, and be connected to account platform and charging payment platform by GFEP, VC is connected with SCP simultaneously.
2. the system that charging payment business is provided in telecommunications network according to claim 1 is characterized in that, described VC is connected to the account platform by GFEP and the charging payment platform is that VC, account platform and charging payment platform are connected to GFEP simultaneously.
3. the system that charging payment business is provided in telecommunications network according to claim 1, it is characterized in that, further comprise a payment interface FEP, described VC is connected to the account platform by GFEP and the charging payment platform is that VC is connected to GFEP, and GFEP, account platform and charging payment platform are connected to payment interface FEP simultaneously.
4. the system that charging payment business is provided in telecommunications network according to claim 3 is characterized in that, described payment interface FEP and account platform are integrated in the same physical equipment.
5. the system that charging payment business is provided in telecommunications network according to claim 1, it is characterized in that, described system further comprises service management point SMP, SMAP SMAP and the communication front end processor FEP that handles the IN service except that charging payment business, and described VMP, VMAP and GFEP are integrated in the same physical equipment with SMP, SMAP and FEP respectively.
6. the system that charging payment business is provided in telecommunications network according to claim 1 is characterized in that, described VC and charging payment platform are integrated in the same physical equipment.
7. the system that charging payment business is provided in telecommunications network according to claim 1, it is characterized in that, digital data network DDN special line is adopted in connection between GFEP and account platform and the charging payment platform, between VC and GFEP, SCP, the VMP and the connection between VMP and the VMAP adopt local area network (LAN).
8. the system that charging payment business is provided in telecommunications network according to claim 7 is characterized in that, ICP/IP protocol is adopted in described connection.
9. the system that charging payment business is provided in telecommunications network according to claim 1 is characterized in that VC further is connected to strange land SCP by the Signaling System Number 7 net, and the Signaling System Number 7 connected mode is adopted in described connection.
10. method that charging payment business is provided in telecommunications network comprises at least:
A. set up a VC who is used to focus on charging payment business, and with all charging payment business information stores in the database of a consolidation form;
B. be that VC distributes an independent access telephone number, and the interaction process flow process that is applicable to all charging payment business between and the user is provided;
C. the message format that is provided with between VC, account platform and the charging payment platform comprises information such as destination node, source node, type of message and charging payment type at least;
D. receive after the user initiates charging payment business by the access telephone number of dialing VC as VC, playing voice suggestion requires the user that the charging payment business information needed is provided, and the information that provides according to the user generates the charging payment business request message that comprises information such as destination node, source node, type of message and charging payment type at least, finishes the charging payment operation by the interacting message between VC, charging payment platform and the account platform then;
When charging payment business is initiated by the charging payment platform, the charging payment platform generates the charging payment business request message that comprises destination node, source node, type of message and charging payment type information, finishes the charging payment operation by the interacting message between VC, charging payment platform and the account platform then.
11. the method that charging payment business is provided in telecommunications network according to claim 10 is characterized in that, the interaction process flow process among the step b between VC and the user comprises:
The prompting user selects recharging service or paid service;
If the user selects recharging service, the prompting user selects by the recharging service type, point out the user to input then and supplemented with money number of the account and password, pointing out the user to select rechargeable card then still is that bank remits money and supplements with money, and correspondingly points out the user to input rechargeable card card number and password or input Bank Account Number and password;
If the user selects paid service, the prompting user selects by the paid service type, point out the user to input then by paying number of the account and password, point out the user to select rechargeable card bank's payings of remitting money of paying still then, and correspondingly point out the user to input rechargeable card card number and password or import Bank Account Number and password.
12. the method that charging payment business is provided in telecommunications network according to claim 11 is characterized in that, user input supplemented with money number of the account or by the paying number of the account after comprise further whether prompting user selection carries out inquiry into balance.
13. the method that charging payment business is provided in telecommunications network according to claim 10, it is characterized in that, receive after the user initiates recharging service by the access telephone number of dialing VC as VC in the steps d, described finishing by the interacting message between VC, charging payment platform and the account platform supplemented operation with money and comprised:
VC sends the solicitation message that queries the balance to the account platform, and the account platform carries out the inquiry into balance operation, returns the acknowledge message bag that queries the balance of the remaining sum value that has inquiry then to VC;
VC sends deduction application message bag to the charging payment platform, and the charging payment platform returns the acknowledge message bag of withholing to VC after the operation of withholing;
VC sends to the account platform and supplements solicitation message with money, and the account platform is supplemented operation with money, returns to VC then and supplements the acknowledge message bag with money.
14. the method that charging payment business is provided in telecommunications network according to claim 10, it is characterized in that, in the steps d when recharging service is initiated by the charging payment platform, described by the interacting message between VC, charging payment platform and the account platform finish supplement with money the operation comprise:
The charging payment platform sends the solicitation message of remitting money to VC, and VC sends one to the account platform and supplements solicitation message with money after receiving this message bag;
The account platform is supplemented operation with money, returns one to VC then and supplements the acknowledge message bag with money, and VC returns the acknowledge message bag of remitting money to the charging payment platform after receiving this message bag.
15. the method that charging payment business is provided in telecommunications network according to claim 10, it is characterized in that, receive after the user initiates paid service by the access telephone number of dialing VC as VC in the steps d, describedly comprise by the operation that completes charge of the interacting message between VC, charging payment platform and the account platform:
VC sends the bill solicitation message to the account platform, and the account platform is determining to return bill data message bag to VC under this situation about can be paid by the number of the account of paying;
VC sends deduction application message bag to the charging payment platform, and the charging payment platform returns the acknowledge message bag of withholing in the operation back of withholing to VC;
VC sends the solicitation message that writes off to the account platform, and the operation that writes off of account platform is returned the acknowledge message bag that writes off to VC then.
16. the method that charging payment business is provided in telecommunications network according to claim 15 is characterized in that, described charging payment platform is bank's platform or paying card number platform.
17. the method that charging payment business is provided in telecommunications network according to claim 10 is characterized in that, is that the interacting message between described VC, charging payment platform and the account platform adopts TCP/IP message when supplementing operation with money in described charging payment operation.
18. the method that charging payment business is provided in telecommunications network according to claim 10 is characterized in that, is that the interacting message between described VC, charging payment platform and the account platform adopts Signaling System Number 7 message when supplementing operation with money in described charging payment operation.
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| CNB2004100642917A CN100525361C (en) | 2004-08-30 | 2004-08-30 | System and method for providing charging payment business in telecommunication network |
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| WO2010037282A1 (en) * | 2008-09-26 | 2010-04-08 | 中兴通讯股份有限公司 | Realizing method and device for independent vc system compatible with different charge cards |
| CN101873564A (en) * | 2009-04-21 | 2010-10-27 | 华为软件技术有限公司 | Business processing method and device |
| CN101252628B (en) * | 2008-04-14 | 2010-11-24 | 中兴通讯股份有限公司 | System and method for recharging based on recharging card |
| CN1946122B (en) * | 2006-08-11 | 2010-12-08 | 华为技术有限公司 | Method, device and system for realizing uniform fee charging |
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| CN101237617B (en) * | 2008-02-01 | 2012-04-25 | 华为技术有限公司 | Charging method and system |
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| CN101360159B (en) * | 2008-09-26 | 2010-12-29 | 中兴通讯股份有限公司 | Implementing method and apparatus for independent VC system accommodating different charging cards |
| WO2010037282A1 (en) * | 2008-09-26 | 2010-04-08 | 中兴通讯股份有限公司 | Realizing method and device for independent vc system compatible with different charge cards |
| CN101646150B (en) * | 2008-10-22 | 2013-01-09 | 中国科学院声学研究所 | Financial management system and financial management method applied to business operation supporting system |
| CN101873564A (en) * | 2009-04-21 | 2010-10-27 | 华为软件技术有限公司 | Business processing method and device |
| CN101873564B (en) * | 2009-04-21 | 2014-10-08 | 华为软件技术有限公司 | Business processing method and device |
| CN102609835A (en) * | 2012-01-16 | 2012-07-25 | 中国联合网络通信集团有限公司 | Recharging method, system and service platform of telecommunication payment card |
| CN106022753A (en) * | 2016-05-10 | 2016-10-12 | 深圳市欧乐在线技术发展有限公司 | POS secure payment method and system based on signaling network |
| CN106022771A (en) * | 2016-05-27 | 2016-10-12 | 广州羊城通有限公司 | Automatic charged value activation method of IC card |
| CN107769934A (en) * | 2017-10-23 | 2018-03-06 | 中国联合网络通信集团有限公司 | Rate processing method and processing device |
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