CN1852386A - Telecommunication user business account automatic value-charging method and system - Google Patents
Telecommunication user business account automatic value-charging method and system Download PDFInfo
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- CN1852386A CN1852386A CNA2005101323294A CN200510132329A CN1852386A CN 1852386 A CN1852386 A CN 1852386A CN A2005101323294 A CNA2005101323294 A CN A2005101323294A CN 200510132329 A CN200510132329 A CN 200510132329A CN 1852386 A CN1852386 A CN 1852386A
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- user
- account
- finance
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
- H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
- H04M17/201—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment automatic recharging with predetermined amount at threshold
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
- H04M2017/22—Prepayment of wireline communication systems, wireless communication systems or telephone systems with automatic recharging of account/card, e.g. if limit is reached during connection the account is recharged automatically
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- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Signal Processing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Operation manager of providing telecom service assigns user a service account. The method establishes relation between finance account signed to finance system by user and the service account. Under certain condition, telecom system checks fee in user's service account. When determining fund in the service account is insufficient, building connection to finance system, telecom system transfers certain amount money in the finance account to the service account. The invention also discloses system for automatic adding value to service account of telecom user. Advantages are: user does not need to buy card for adding value, and operation manager can receive user charge in time.
Description
Technical field
The present invention relates to communication technical field, be meant the method and system of telecommunication user business account automatic value-charging especially.
Background technology
Along with developing rapidly of telecommunication system, inevitably require the means of payment of the professional cost of use (as communication costs such as phone, online) that operator provides more flexible.And the means of payment that requires professional cost of use should be useful to user and operation commercial city.In the present telecommunication system, divide, mainly comprise Prepaid Service, post payment service (POS), immediate pricing business (HOT-BILLING) from the means of payment of functional expenses.Carry out brief introduction below:
Prepaid Service, the user paid the certain expense of operator in advance before the use business.For example PPS card class business (as 201 cards, toll telephone card etc.) or the business (as mobile telephone service) that needs to supplement with money activity account in advance are typical prepayment services, the user needs to pay in advance the professional required certain expense that will use before this class business of use.
Concerning operator, its disadvantage is need the distribution of PPS card be managed, and takies certain cost, and operator also needs to pay the retailer and partly be divided into, and also needs to lose a part of interests.
Concerning the user, its disadvantage is to pay for the business that will use in advance; Perhaps need the manual activity account that operator is provided to supplement with money.And because the cost of the management PPS of operator card may be married again the user, this conversation rate that causes card class business is than common telephone service conversation rate height.And,, may need frequent going to buy card and manually supplement inconvenience with money for the more user of communication time.
Post payment service (POS), the user is after a period of time after using business, and it uses professional expense just to pay operator.For example, the talk business that landline telephone provides, the user just went to pay this month every month the end of month, and it uses professional expense.
Concerning operator, disadvantage is just can obtain expense behind some cycles, is not easy to the running of fund.And, user refusal to pay also may occur and can't receive the situation of expense.
Concerning the user, disadvantage is to need the user to notice that regularly (as every month) go to pay dues, and will in time pay dues.
Immediate pricing business (HOT-BILLING), the user collects user's expense at once when using certain professional.At present, to be carrier network combine with of financial sector (as banking system) this mode, when the user uses certain telecommunication service that operator provides, behind sign off, operator's communication network is connected to financial sector at once, transfers the corresponding amount of money to operator from this user's accounts of finance of financial sector.
Concerning operator, disadvantage is just can obtain expense after telex network finishes, therefore may occur because user's accounts of finance frozen (having indicated bank freezing or this accounts of finance of stopping using) as the user, or the network that connects financial sector occur causing unusually can't be from user's accounts of finance expense of transferring.And owing to need regular linking to each other with financial sector, fail safe, stability all have very high requirement, and maintenance cost is inevitable very high.
From last, the present telecommunication service cost of use means of payment, otherwise needing the user to remove to buy card manually supplements inconvenience with money, the customer service cost of use just can't be received immediately by operator, also may appear at situation about collecting after customer service is used less than expense.
Summary of the invention
In view of this, main purpose of the present invention has been to provide a kind of method and system of telecommunication user business account automatic value-charging, not only makes the user not need to buy card and manually supplements with money, guarantees that also operator can in time obtain user's professional usage charges.
In the method for telecommunication user business account automatic value-charging provided by the invention, provide the operator of telecommunication service to be user's distribution service account, be used for the telecommunication service that the user uses is deducted fees, at least one accounts of finance of the signatory financial sector of user and its activity account are set up and are got in touch, and this method may further comprise the steps:
A, telecommunication system detect the expense situation of user business account, when judging the insufficient funds of activity account, carry out next step;
B, telecommunication system are established to the connection of financial sector, transfer certain amount of money in its described activity account the accounts of finance of the financial sector of contracting from described user.
Wherein, describedly comprise: the identical activity account of all traffic assignments that is a user for user's distribution service account; Or, be that a user's different business distributes different activity accounts.
Wherein, the different accounts of finance that the user contracts has different priority, is used for selecting when the high accounts of finance insufficient funds of priority the accounts of finance of next priority; The described accounts of finance of step B is that whether sufficient and priority selected according to the fund of this accounts of finance.
Wherein, further comprise: the described step that detects of steps A can be carried out when one of following situation: the user in using the process of telecommunication service, during the regular process user activity account of telecommunication system, operator set some cycles the time.
Wherein, the quantity of the described certain amount of money of transferring of step B is set in advance by the user; Or, set in advance by operator; Or, set in advance by financial sector.
Wherein, further comprise: the quantity of described certain amount of money of transferring is stored in the telecommunication system in the mode of configuration file; When step B sets up described connection, the quantity of the amount of money of will transferring that configuration file or configuration file write down is sent to financial sector, financial sector is according to the quantity of the amount of money that will transfer of described configuration file that receives or the reception amount of money of transferring.
Wherein, described transferring carried out when financial sector is received described configuration file or received the quantity of the amount of money of will transferring at once; Or financial sector writes down the quantity of the amount of money of will transferring of described configuration file or reception, carries out over time again.
The present invention also provides a kind of system of telecommunication user business account automatic value-charging, comprises telecommunication system, financial sector, also comprises:
The user business account unit is positioned at telecommunication system, is used to provide user's activity account;
Financial sector user account unit is positioned at financial sector, is used to provide user's accounts of finance;
Service Control Unit, be positioned at telecommunication system, when being used to detect the activity account insufficient funds of user business account unit, set up telecommunication system to the connection of financial sector, and from the accounts of finance of the financial sector user account unit activity account of certain fund to the user business account unit of transferring.
Wherein, also comprise: payment gateway is used to realize the communication between telecommunication system and the financial sector.
By said method as can be seen, method provided by the invention, detect by the expense situation of telecommunication system user business account, when judging the insufficient funds of activity account, telecommunication system can be established to the connection of financial sector, transfer certain amount of money in its described activity account the accounts of finance of the financial sector of contracting from the user, so that activity account has the enough amount of money to continue follow-up communication.
For the user, avoided frequent manually the supplementing with money of user, for the user facilitates, and, do not need to buy in advance the PPS card.Concerning operator, can receive user's professional usage charges timely, because user's activity account always remains with certain amount of money, avoided the situation that the user that pays in similar back or the immediate pricing mode may occur do not pay when having guaranteed that the user uses business (because activity account will keep certain amount of money all the time), and also removed management from the distribution of PPS card.In addition, user business account of the present invention can be associated with a plurality of accounts of finances of user, the user can use any kind of bank card that any one financial sector provides as with the signatory accounts of finance of user business account, more convenient user uses, as the VISA of distribution such as U.S. Citibank, Bank of China, Master card etc.
Description of drawings
Fig. 1 is the flow chart of telecommunication user business account automatic value-charging of the present invention;
Fig. 2 is a telecommunication user business account automatic value-charging system construction drawing of the present invention;
Fig. 3 is the example structure figure of telecommunication user business account automatic value-charging of the present invention system.
Embodiment
Cardinal principle of the present invention is: detect the operating position that operator offers user's activity account automatically, when detecting because the user uses corresponding service to cause this activity account when Sorry, your ticket has not enough value, automatically from the accounts of finance that the preassigned financial sector of user provides, transfer certain amount of money in described activity account, so that activity account has the enough amount of money to continue follow-up communication or calling.Referring to accompanying drawing, the present invention is described in detail.
Flow chart referring to the telecommunication service account automatic value-charging of the user of the present invention shown in Fig. 1 is elaborated below.
In advance, provide the operator of telecommunication service need distribute different activity accounts for different users.Wherein, an identical activity account can be provided, also different activity accounts can be provided for a user's different business for all business of a user.And needing the user is certain expense that deposits in this activity account, and can adopting at present, all modes are that activity account is supplemented with money.As locating to pay, or buy rechargeable card and this activity account is supplemented with money, or activity account is supplemented with money by the mode that bank transfers accounts from own accounts of finance by phone to operator.
Also need the user to specify the accounts of finance of its certain financial sector and the foundation of its activity account to get in touch in signatory mode.User's one or more following accounts of finances of can contracting: credit card, debit card, etc. issued by banks bank card (as Visa, Master, American Express, account Diners) etc.During signatory a plurality of accounts of finance, can different priorities be set for these accounts of finances.
Step 101: under certain condition, telecommunication system detects the expense situation of user's activity account, judges that the remaining sum of activity account is whether not enough (be 0 or certain threshold value), when detecting the user business account insufficient funds, carries out next step.
Wherein, described certain condition comprises the user in using the process of telecommunication service, in communication process, perhaps in the process of foundations/releases conversation (as the process of the process of initialization foundation calling, calling procedure, call release etc.); In the time of can also being the regular process user activity account of telecommunication system (is regularly to handle in every month as the activity account of post payment service); In the time of can also being the some cycles of operator's setting.
Step 102: telecommunication system is established to the connection of financial sector, transfers certain amount of money in its described activity account the accounts of finance of the financial sector of contracting from described user.If the user has contracted during a plurality of accounts of finance of different priorities, the accounts of finance that first-selected priority is high is only just selected the accounts of finance of next priority when the accounts of finance insufficient funds of high priority.
Wherein, the amount of money amount of transferring can be set in advance by the user, also can be provided with according to its professional average cost of use by operator.The amount of money amount of transferring can be stored in the mode of configuration file in the telecommunication system, when request is established to the connection of financial sector, amount of money amount or configuration file are together sent to financial sector, by financial sector according to the amount of money amount that receives or the configuration file corresponding fund of transferring.
And, can carry out at once when the request of receiving telecommunication system from the accounts of finance user business account of transferring, also can carry out again over time, can be according to following factor: the system of the negotiation of means of payment, financial system, operator and finance.
Show telecommunication user business account automatic value-charging of the present invention system as Fig. 2, comprise Service Control Unit, user business account unit, financial sector user account unit.
The user business account unit is positioned at telecommunication system, and user business account is provided, and is used for storing certain fund, so that the user uses telecommunication service.
Financial sector user account unit is arranged in financial sector, and the user is provided accounts of finance.
Service Control Unit is positioned at telecommunication system, is used to control set up telecommunication system to the connection of financial sector, and the accounts of finance that provides from the financial sector user account unit activity account of certain fund to the user business account unit of transferring.
Show intelligent network as Fig. 3 and realize one embodiment of the present of invention, wherein, Service Control Unit is provided by Service Control Point.The user business account unit can be provided by service data point (SDP), under the little situation of data volume, also can be provided by the database of SCP.Financial sector user account unit is provided by financial sector.If financial sector and telecommunication system can pass through payment gateway (Payment Gateway) and link to each other can't be direct-connected.
When the user used the telecommunication service that operator provides, transfer user's professional usage charges of the real-time activity account from the user were given operator.SCP carries out regularly or real-time detection user business account, when detecting activity account Sorry, your ticket has not enough value, start the automatic value-charging flow process, SCP is established to the connection of financial sector by payment gateway, the accounts of finance of contracting according to the user, to the financial sector request to described accounts of finance certain fund of transferring.Financial sector is transferred certain fund according to the request of SCP to user's activity account from described accounts of finance.
Like this, user business account just can guarantee to leave certain fund, guarantees that the business of using operator to provide can be provided the user.And, do not need the user to buy the PPS card and go manually to supplement with money.And the user for the control telephone expenses can be easy to control professional cost of use by the control to user's accounts of finance expense.The user big for telephone traffic, that usage charges are high can use credit card account, thereby when guaranteeing that the user does not in time supplement with money activity account, also can transfer expense to activity account from credit card account, with the telecommunication service that continues to use operator to provide.
On the other hand, because the user business account total energy guarantees to leave certain fund, therefore operator needn't worry to collect less than professional usage charges after the professional such user of the described immediate pricing of background technology uses business, and can obtain user's professional usage charges as soon as possible, and needn't leave no choice but wait the end of month by the time, and also needn't manage the distribution of PPS card.
Wherein, the bottom host-host protocol of business system and financial sector interface can be any agreement, as TCP/IP, HTTPS, HTTP etc.The application layer protocol of business system and financial sector interface can be a standard agreement, as ISO8583.
The above only is preferred embodiment of the present invention, and is in order to restriction the present invention, within the spirit and principles in the present invention not all, any modification of being done, is equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (9)
1, a kind of method of telecommunication user business account automatic value-charging, it is characterized in that, provide the operator of telecommunication service to be user's distribution service account, be used for the telecommunication service that the user uses is deducted fees, at least one accounts of finance of the signatory financial sector of user and its activity account are set up and are got in touch, and this method may further comprise the steps:
A, telecommunication system detect the expense situation of user business account, when judging the insufficient funds of activity account, carry out next step;
B, telecommunication system are established to the connection of financial sector, transfer certain amount of money in its described activity account the accounts of finance of the financial sector of contracting from described user.
2, method according to claim 1 is characterized in that, describedly comprises for user's distribution service account: the identical activity account of all traffic assignments that is a user; Or,
The different business that is a user distributes different activity accounts.
3, method according to claim 1 is characterized in that, the different accounts of finance that the user contracts has different priority, is used for selecting when the high accounts of finance insufficient funds of priority the accounts of finance of next priority;
The described accounts of finance of step B is that whether sufficient and priority selected according to the fund of this accounts of finance.
4, method according to claim 1 is characterized in that, further comprises: the described step that detects of steps A can be carried out when one of following situation:
The user in using the process of telecommunication service, during the regular process user activity account of telecommunication system, operator set some cycles the time.
5, method according to claim 1 is characterized in that, the quantity of the described certain amount of money of transferring of step B is set in advance by the user; Or,
Set in advance by operator; Or,
Set in advance by financial sector.
6, method according to claim 1 or 5 is characterized in that further comprise: the quantity of described certain amount of money of transferring is stored in the telecommunication system in the mode of configuration file;
When step B sets up described connection, the quantity of the amount of money of will transferring that configuration file or configuration file write down is sent to financial sector, financial sector is according to the quantity of the amount of money that will transfer of described configuration file that receives or the reception amount of money of transferring.
7, method according to claim 6 is characterized in that, described transferring carried out when financial sector is received described configuration file or received the quantity of the amount of money of will transferring at once; Or,
Financial sector writes down the quantity of the amount of money of will transferring of described configuration file or reception, carries out over time again.
8, a kind of system of telecommunication user business account automatic value-charging comprises telecommunication system, financial sector, it is characterized in that, also comprises:
The user business account unit is positioned at telecommunication system, is used to provide user's activity account;
Financial sector user account unit is positioned at financial sector, is used to provide user's accounts of finance;
Service Control Unit, be positioned at telecommunication system, when being used to detect the activity account insufficient funds of user business account unit, set up telecommunication system to the connection of financial sector, and from the accounts of finance of the financial sector user account unit activity account of certain fund to the user business account unit of transferring.
9, system according to claim 8 is characterized in that, further comprises: payment gateway is used to realize the communication between telecommunication system and the financial sector.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2005101323294A CN1852386A (en) | 2005-12-21 | 2005-12-21 | Telecommunication user business account automatic value-charging method and system |
| PCT/CN2006/003482 WO2007071178A1 (en) | 2005-12-21 | 2006-12-19 | An automatic value-charging method, system and service control point for telecommunication service account |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2005101323294A CN1852386A (en) | 2005-12-21 | 2005-12-21 | Telecommunication user business account automatic value-charging method and system |
Publications (1)
| Publication Number | Publication Date |
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| CN1852386A true CN1852386A (en) | 2006-10-25 |
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| Application Number | Title | Priority Date | Filing Date |
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| CNA2005101323294A Pending CN1852386A (en) | 2005-12-21 | 2005-12-21 | Telecommunication user business account automatic value-charging method and system |
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| Country | Link |
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| CN (1) | CN1852386A (en) |
| WO (1) | WO2007071178A1 (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101370060A (en) * | 2007-08-17 | 2009-02-18 | 埃森哲环球服务有限公司 | Multiple channel automated refill system |
| CN101931579A (en) * | 2010-08-06 | 2010-12-29 | 中兴通讯股份有限公司 | Prepayment domestic equipment, payment method thereof, payment system thereof and payment device thereof |
| CN102694935B (en) * | 2007-12-28 | 2014-11-05 | 中国移动通信集团公司 | An electron recharge method and device |
| CN104244214A (en) * | 2014-10-16 | 2014-12-24 | 成都思迈科技发展有限责任公司 | Communication expense management method |
| CN110135824A (en) * | 2019-05-15 | 2019-08-16 | 中国联合网络通信集团有限公司 | Telephone expenses pay on behalf method and apparatus |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| US6188752B1 (en) * | 1996-11-12 | 2001-02-13 | Telefonaktiebolaget Lm Ericsson (Publ) | Method and apparatus for providing prepaid telecommunications services |
| US20030083042A1 (en) * | 2000-02-11 | 2003-05-01 | Maher Abuhamdeh | Remote rechargeable prepaid cellular service peripheral device |
| EP1249995A2 (en) * | 2001-04-12 | 2002-10-16 | Siemens Aktiengesellschaft | Optimised recharging of prepaid accounts |
| EP1407401B1 (en) * | 2001-06-01 | 2007-09-19 | Watercove Networks | Topping up a subscriber's account for a multimedia service on a communications network while the service is being provided |
| US7013125B2 (en) * | 2001-06-08 | 2006-03-14 | Lucent Technologies Inc. | Replenishment of prepaid accounts during multimedia sessions |
| US6973309B1 (en) * | 2002-03-14 | 2005-12-06 | Utstarcom, Inc. | Method and system for re-direction and handoff for pre-paid mobile services in third generation networks |
| US20040162732A1 (en) * | 2003-02-14 | 2004-08-19 | Rubens Rahim | System and method for credit card replenishment of a wireless subscriber's account balance |
| KR100690758B1 (en) * | 2005-04-28 | 2007-03-09 | 엘지전자 주식회사 | Methods and apparatus' of approval prepaid communication fee for mobile phone |
-
2005
- 2005-12-21 CN CNA2005101323294A patent/CN1852386A/en active Pending
-
2006
- 2006-12-19 WO PCT/CN2006/003482 patent/WO2007071178A1/en active Application Filing
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101370060A (en) * | 2007-08-17 | 2009-02-18 | 埃森哲环球服务有限公司 | Multiple channel automated refill system |
| CN101370060B (en) * | 2007-08-17 | 2016-01-13 | 埃森哲环球服务有限公司 | A kind of multiple channel automated refill system, method and apparatus |
| CN102694935B (en) * | 2007-12-28 | 2014-11-05 | 中国移动通信集团公司 | An electron recharge method and device |
| CN101931579A (en) * | 2010-08-06 | 2010-12-29 | 中兴通讯股份有限公司 | Prepayment domestic equipment, payment method thereof, payment system thereof and payment device thereof |
| CN104244214A (en) * | 2014-10-16 | 2014-12-24 | 成都思迈科技发展有限责任公司 | Communication expense management method |
| CN110135824A (en) * | 2019-05-15 | 2019-08-16 | 中国联合网络通信集团有限公司 | Telephone expenses pay on behalf method and apparatus |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2007071178A1 (en) | 2007-06-28 |
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Open date: 20061025 |