CN1852386A - Telecommunication user business account automatic value-charging method and system - Google Patents

Telecommunication user business account automatic value-charging method and system Download PDF

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Publication number
CN1852386A
CN1852386A CN 200510132329 CN200510132329A CN1852386A CN 1852386 A CN1852386 A CN 1852386A CN 200510132329 CN200510132329 CN 200510132329 CN 200510132329 A CN200510132329 A CN 200510132329A CN 1852386 A CN1852386 A CN 1852386A
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China
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account
user
system
financial
service
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CN 200510132329
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Chinese (zh)
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拉胡尔
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华为技术有限公司
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Publication of CN1852386A publication Critical patent/CN1852386A/en

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    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/201Prepayment 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
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/22Prepayment 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

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

电信用户业务帐户自动充值的方法及系统 Telecom user service account method and system for automatically recharge

技术领域 FIELD

本发明涉及通信技术领域,特别是指电信用户业务帐户自动充值的方法及系统。 The present invention relates to communication technologies, and particularly to a method and system for telecommunication service user account is automatically recharge.

背景技术 Background technique

随着电信系统的迅速发展,不可避免的要求运营商提供的业务使用费用(如电话、上网等通信费用)的支付方式更加灵活。 With the rapid development of telecommunication systems, inevitably requires the use of operational costs provided by the operator (such as the cost of telephone communications, Internet, etc.) payment methods more flexible. 并且,要求业务使用费用的支付方式对用户和运营商都应该有益。 And require the use of operational costs of payment for users and operators should benefit. 目前的电信系统中,从业务费用的支付方式来分,主要包括预付费业务(PPS)、后付费业务(POS)、立即付费业务(HOT-BILLING)。 The current telecommunication systems, from the payment of operating expenses to points, including prepaid services (PPS), post-paid service (POS), immediate payment business (HOT-BILLING). 下面进行简介:预付费业务(PPS),用户在使用业务之前预先支付运营商一定的费用。 Introduction below: prepaid service (PPS), users pay a fee to the operator before using the service in advance. 例如PPS卡类业务(如201卡、长途电话卡等)或者需要预先对业务帐户进行充值的业务(如移动电话业务)是典型的预付费业务,用户在使用这类业务前,需要预先支付要使用的业务所需的一定费用。 E.g. PPS Cards services (e.g., 201 cards, calling cards, etc.) or the need to pre-recharge service (such as a mobile telephone service) is a typical prepaid service business account, the user prior to use such services, it is necessary to pay to use required for business a fee.

对运营商来说,其不利之处是需要对PPS卡的发行进行管理,占用一定的成本,并且运营商还需要支付零售商部分分成,也需要损失一部分利益。 For operators, its disadvantage is the need to manage the card issuance PPS, take up some of the cost, and operators also need to pay part of retailers sharing, need to lose some interest.

对用户来说,其不利之处是必须提前为要使用的业务付费;或者需要手动的对运营商提供的业务帐户进行充值。 For users, its disadvantage is that you must pay in advance for the service to be used; or the need to manually recharge business account provided by the operator. 并且,由于运营商管理PPS卡的成本可能转嫁到用户,这导致卡类业务的通话费率比普通的电话业务通话费率高。 Also, since the cost of operators to manage PPS card may be passed on to users, which leads to business cards calling rates higher than ordinary telephone service call rates. 并且,对于通信时长较多的用户,可能需要频繁的去买卡和手动充值,不方便。 And, for users communication more long, you may need to buy a card and frequent manual recharge, inconvenient.

后付费业务(POS),用户在使用业务之后的一段时间后,才支付运营商其所使用业务的费用。 Post-paid service (POS), the user after a certain period of time after business use only pay for the use of its service operators. 例如,固定电话提供的通话业务,用户在每月月底才去支付本月其所使用业务的费用。 For example, fixed telephone call service provided by the user before going to pay this month they use services at the end of each month.

对运营商来说,不利之处是在一定周期后才能得到费用,不便于资金的运转。 For operators, the disadvantage is the cost to get in after a certain period, working capital is not easy. 并且,还可能出现用户拒绝支付而无法收到费用的情况。 In addition, the user can not refuse to pay and receive fees may also occur.

对用户来说,不利之处是需要用户注意定期(如每月)去交费,并要及时交费。 For users, the disadvantage is the need for user attention on a regular basis (such as monthly) to pay, and to pay promptly.

立即付费业务(HOT-BILLING),用户在使用某业务时,即刻收取用户的费用。 Immediately paid services (HOT-BILLING), users use a certain service, instantly collect user fees. 目前,这种方式是运营商网络与金融系统(如银行系统)的一个结合,当用户使用运营商提供的某电信业务时,当通信结束后,运营商电信网络即刻连接到金融系统,从金融系统的该用户金融帐户划拨相应的金额给运营商。 Currently, this approach is the operator's network and financial system (such as the banking system) is a combination, when a user uses a telecom service operators to provide, after the end of the communication, telecommunication network operators to instantly connect to the financial system, from the financial the user financial account system corresponding amount allocated to the operators.

对运营商来说,不利之处是在用户通信完毕后才能得到费用,因此可能出现由于用户金融帐户已经被冻结(如用户已经指示银行冻结或停用该金融帐户),或连接金融系统的网络出现异常导致无法从用户金融帐户划拨费用。 For operators, the disadvantage is the cost to get in after the user communications is completed, it may occur due to user financial accounts have been frozen (such as the user has instructed banks to freeze or deactivate the financial account), or network connected to the financial system resulting in abnormal costs can not be allocated from the financial account of the user. 并且由于需要经常性的与金融系统相连,安全性、稳定性都有很高的要求,维护成本必然很高。 And because of the need frequent connected with the financial system, security, stability, very high demand, the maintenance costs are very high.

从上来看,目前的电信业务使用费用支付方式,要么需要用户去买卡手动充值,不方便,要么运营商就无法立即收到用户业务使用费用,还可能出现在用户业务使用后收取不到费用的情况。 From the point of view, the current telecom services using payment methods, or require users to buy recharge cards manually, inconvenient, or operators will not be able to receive user service usage charges immediately, less than the cost may appear after the user service usage fee Case.

发明内容 SUMMARY

有鉴于此,本发明的主要目的在于提供了一种电信用户业务帐户自动充值的方法及系统,不仅使用户不需要去买卡手动充值,也确保运营商能够及时获得用户的业务使用费。 In view of this, the main object of the present invention to provide a method and system for telecommunications service user account automatically recharge, not only so that users do not need to buy a recharge card manually, operators can also ensure timely access to the user's service fee.

本发明提供的电信用户业务帐户自动充值的方法中,提供电信业务的运营商为用户分配业务帐户,用于对用户使用的电信业务进行扣费,用户签约金融系统的至少一个金融帐户与其业务帐户建立联系,该方法包括以下步骤:A、电信系统对用户业务帐户的费用情况进行检测,判断业务帐户的资金不足时,执行下一步;B、电信系统建立到金融系统的连接,从所述用户签约的金融系统的一个金融帐户中划拨一定金额到其所述业务帐户中。 The method of the present invention to provide a telecommunications service user account is automatically recharge, there is provided telecommunication services operators to provide users assigned traffic accounts for telecommunication services used by a user to perform deductions, subscription user financial system at least one financial account their business account establish contact, the method comprising the steps of: a, the cost of telecommunications systems business user accounts to detect, when judged insufficient funds business account, the next step; B, telecommunication systems establish a connection to the financial system from the user the signing of a financial account in the financial system to allocate a certain amount of business that the account.

其中,所述为用户分配业务帐户包括:为一个用户的所有业务分配一个相同的业务帐户;或,为一个用户的不同业务分配不同的业务帐户。 Wherein the user is assigned service account includes: assigning an identical service account of a user for all services; or, assign different business accounts for different services of a user.

其中,用户签约的不同的金融帐户具有不同的优先级,用于在优先级高的金融帐户资金不足时选择下一优先级的金融帐户;步骤B所述的金融帐户是根据该金融帐户的资金是否充足和优先级进行选择的。 Wherein the user financial account different subscription with different priorities for selecting the next priority in the financial account of the higher priority is insufficient financial account funds; (B) according to the financial account of the financial funds account the adequacy and priorities chosen.

其中,进一步包括:步骤A所述进行检测的步骤可在以下情况之一时进行:用户在使用电信业务的过程中、电信系统定期处理用户业务帐户时、运营商设定的一定周期时。 Wherein further comprising: a step of detecting said step A may be carried out at one of the following: the user during use of telecommunication services, the telecommunications system for processing user traffic account periodically, when a predetermined period set by the operator.

其中,步骤B所述划拨一定金额的数量由用户预先设置;或,由运营商预先设置;或,由金融系统预先设置。 Wherein said step B is allocated a certain amount of money set in advance by a user; or, pre-set by the operator; or, preset by the financial system.

其中,进一步包括:所述划拨一定金额的数量以配置文件的方式存储在电信系统中;步骤B建立所述连接时,将配置文件或配置文件所记录的要划拨金额的数量发送给金融系统,金融系统根据接收的所述配置文件或接收的要划拨的金额的数量划拨金额。 Wherein further comprising: a certain amount of the allocated number of ways to store the profiles in a telecommunications system; Step B when establishing the connection, send the configuration number allocated to the amount or configuration files recorded to the financial system, the number of financial systems amount allocated to the configuration file received or to be received to allocate the amount.

其中,所述划拨在金融系统收到所述配置文件或收到要划拨金额的数量时即刻执行;或,金融系统记录所述配置文件或接收的要划拨金额的数量,在一段时间后再执行。 Wherein the allocation performed immediately upon receipt of the financial system or the configuration file to receive the number of the allocated amount; or, the financial system or the file recording the configuration number allocated to the amount received in the period of time before performing .

本发明还提供了一种电信用户业务帐户自动充值的系统,包括电信系统、金融系统,还包括:用户业务帐户单元,位于电信系统,用于提供用户的业务帐户;金融系统用户帐户单元,位于金融系统,用于提供用户的金融帐户;业务控制单元,位于电信系统内,用于检测用户业务帐户单元的业务帐户资金不足时,建立电信系统到金融系统的连接,并从金融系统用户帐户单元的金融帐户划拨一定资金到用户业务帐户单元的业务帐户。 The present invention further provides a telecommunication service user account automatic refill system, comprising a telecommunications system, the financial system, further comprising: a user service account unit located telecommunications system for providing a user service account; user account financial system unit located financial system to provide the user's financial account; the service control unit, located within the telecommunications system for insufficient funds account business unit detects the user service account, establish a connection to the telecommunications system of the financial system and the financial system from the user account unit the financial account allocated certain funds to the business account user account business unit.

其中,还包括:支付网关,用于实现电信系统和金融系统之间的通信。 Further comprising: payment gateway for communication between the telecommunications system and the financial system.

由上述方法可以看出,本发明提供的方法,由电信系统对用户业务帐户的费用情况进行检测,判断业务帐户的资金不足时,电信系统会建立到金融系统的连接,从用户签约的金融系统的一个金融帐户中划拨一定金额到其所述业务帐户中,以便于业务帐户有足够的金额继续后续的通信。 As can be seen from the above methods, the method of the present invention provides for the cost of the business user account is detected by a telecommunications system, to determine when underfunded business account, the telecommunications system will establish a connection to the financial system, the financial system from the user's contract the allocation of a certain amount of the financial account to which the service account, so that there is sufficient amount to continue with the subsequent communication service account.

对于用户来说,避免了用户频繁的手动充值,为用户提供便利,并且,不需要预先购买PPS卡。 For the user, to avoid the frequent user manual recharge, to provide users with convenient and does not require advance purchase PPS card. 对运营商来说,总能够及时的收到用户的业务使用费,由于用户的业务帐户总保留有一定的金额,避免了类似后付费或立即付费方式可能出现的用户不付费的情况(因为保证了用户使用业务时业务帐户始终要保留一定的金额),并且也免去了对PPS卡发行的管理。 For operators, business users can always receive royalties in a timely manner due to the user's business accounts always keep a certain amount of money, to avoid a similar situation or immediate post-paid subscribers way possible not to pay (as guarantee when a user account using the service business is always to retain a certain amount), and also eliminates the management of the PPS card issued. 另外,本发明用户业务帐户可以和用户多个金融帐户相关联,用户可以使用任何一个金融系统提供的任何种银行卡作为与用户业务帐户签约的金融帐户,比较方便用户使用,如美国西特银行、中国银行等发行的VISA、Master卡等。 In addition, business users and user accounts present invention may be more financial account, a user can use any of the financial system to provide any kind of bank card business is a signatory to the user account financial accounts, more user-friendly, such as US West Bank , Bank of China issued by VISA, Master card and so on.

附图说明 BRIEF DESCRIPTION

图1为本发明电信用户业务帐户自动充值的流程图;图2为本发明电信用户业务帐户自动充值系统结构图;图3为本发明电信用户业务帐户自动充值系统的实施例结构图。 Telecommunications subscriber account services the automatic refill system configuration diagram of FIG. 2 of the present invention;; embodiment of a configuration diagram of a telecommunications subscriber account services the automatic refill system of the present invention. FIG. 3 FIG. 1 is a flowchart telecommunications subscriber account services the automatic refill of the present invention.

具体实施方式 Detailed ways

本发明的主要原理是:自动检测运营商提供给用户的业务帐户的使用情况,当检测到由于用户使用相应业务造成该业务帐户余额不足时,自动从用户预先指定的金融系统提供的金融帐户中划拨一定的金额到所述业务帐户中,以使业务帐户有足够的金额继续后续的通信或呼叫。 The main principle of the invention is: Automatically detects the carrier provided for the use of business accounts of users, when detected because the user with the appropriate business caused by the financial account is insufficient the service account balance, automatically from the user's pre-designated financial system provided allocate a certain amount to the service account, service account so that there are sufficient funds to continue the subsequent communication or call. 下面参见附图,对本发明进行详细说明。 Referring now to the drawings, the present invention will be described in detail.

参见图1示出的本发明用户的电信业务帐户自动充值的流程图,下面进行详细说明。 Referring to the flowchart of FIG. 1 according to the present invention, the user of the telecommunications service account of the automatic refill shown, described in detail below.

预先,提供电信业务的运营商需要为不同的用户分配不同的业务帐户。 In advance, to provide telecommunications services operators need for different users assign different business account. 其中,可以为一个用户的所有业务提供一个相同的业务帐户,也可以为一个用户的不同业务提供不同的业务帐户。 Which can provide a business account for all the same a business user can also provide different accounts for different services a business user. 并且,需要用户为该业务帐户中存入一定的费用,可以采用目前所有的方式为业务帐户充值。 And, for the business user needs into account certain costs, all current methods can be used to recharge a business account. 如到运营商处交纳,或购买充值卡通过电话对该业务帐户充值,或通过银行从自己的金融帐户转帐的方式对业务帐户充值。 As the operator of the payment, or purchase a prepaid card recharging via the telephone business account, or recharge the business account by bank transfer from your financial accounts way.

还需要用户以签约的方式指定其某个金融系统的金融帐户与其业务帐户建立联系。 Users also need to specify the financial account contract with their business account one of its financial system to establish contact. 用户可以签约一个或多个如下的金融帐户:信用卡、借记卡、等银行发行的银行卡(如Visa,Master,American Express,Diners)的帐户等。 Users can sign up for one or more of the following financial accounts: credit cards, debit cards, bank cards and other bank-issued (such as Visa, Master, American Express, Diners) of accounts. 签约多个金融帐户时,可以为这些金融帐户设置不同优先级。 When signing multiple financial accounts, you can set different priorities for these financial accounts.

步骤101:在一定条件下,电信系统对用户的业务帐户的费用情况进行检测,判断业务帐户的余额是否不足(为0或某门限值),检测到用户业务帐户资金不足时,执行下一步。 Step 101: Under certain conditions, the cost of telecommunications systems to the user's business accounts for testing, to determine whether the service account balance is less than (zero or a threshold), detects when the user has insufficient funds business account, the next step .

其中,所述的一定条件包括用户在使用电信业务的过程中,如通话过程中,或者在建立/释放通话的过程中(如初始化建立呼叫的过程、呼叫过程、释放呼叫的过程等);还可以是电信系统定期处理用户业务帐户时(如后付费业务的业务帐户是每月定期处理);还可以是运营商设定的一定周期时。 Wherein said certain conditions include the user during use of the telecommunication services, as call, or (initialization process like the process of establishing such a call, during the call, releasing the call) during the establishment / release of a call; also when the telecommunications system can be regularly handle user service account (such as post-paid service account is a regular monthly business process); certain period of time can also be set by the operator.

步骤102:电信系统建立到金融系统的连接,从所述用户签约的金融系统的金融帐户中划拨一定金额到其所述业务帐户中。 Step 102: establishing a connection to a telecommunications system of the financial system, to which is allocated a certain amount from the account of the service the user subscribes to the financial account of the financial system. 若用户签约了不同优先级的多个金融帐户时,首选优先级高的金融帐户,仅在高优先级的金融帐户资金不足时才选择下一优先级的金融帐户。 If the user subscribes to the different priorities of multiple financial accounts, the first choice for high-priority financial account, just select the next priority when the financial account in less than a high-priority financial account funds.

其中,划拨的金额额度可以由用户预先设置,也可以由运营商根据其业务平均使用费用进行设置。 Among them, the amount of allocated quota can be pre-set by the user, it can also be set by the operator according to their business using average costs. 划拨的金额额度可以以配置文件的方式存储在电信系统中,当请求建立到金融系统的连接时,将金额额度或配置文件一同发送给金融系统,由金融系统根据接收的金额额度或配置文件划拨相应的资金。 Allocated amount limit be in a telecommunications system, when a request to establish a connection to the financial system, and transmits to the storage profile amounts and limit or profile with the financial system, allocated by the financial system based on the received amount limit or profile appropriate funding.

并且,从金融帐户划拨到用户业务帐户可以在收到电信系统的请求时即刻进行,也可以在一段时间后再执行,可根据如下因素:支付手段、金融制度、运营商与金融的协商的制度。 In addition, the financial allocation from the business account to the user accounts can be performed immediately upon request telecommunication systems, it may also be performed after a period of time, according to the following factors: the means of payment system, financial system, in consultation with the operator's financial .

如图2示出了本发明的电信用户业务帐户自动充值系统,包括业务控制单元,用户业务帐户单元,金融系统用户帐户单元。 2 shows a telecommunication service user account automatic refill system according to the present invention, comprising a service control unit, a user business unit account, user account financial system unit.

用户业务帐户单元,位于电信系统内,提供了用户业务帐户,用来存储一定的资金,以便于用户使用电信业务。 User account business unit, located within the telecommunications system, providing a user service account that is used to store certain funds for use telecommunications services to users.

金融系统用户帐户单元,位于金融系统中,提供了用户金融帐户。 Financial system user account unit, located in the financial system, providing users of financial accounts.

业务控制单元,位于电信系统内,用于控制建立电信系统到金融系统的连接,并从金融系统用户帐户单元提供的金融帐户划拨一定资金到用户业务帐户单元的业务帐户。 Service control unit, located within the telecommunications system, the telecommunications system for controlling the establishment of a connection to the financial system, and allocate some funds from the financial account of the financial system user account to the business account unit provides user services unit of account.

如图3示出了智能网实现本发明的一个实施例,其中,业务控制单元由业务控制点(SCP)来提供。 3 illustrates an embodiment of the present invention, the Intelligent Network, wherein the service control unit is provided by the service control point (SCP). 用户业务帐户单元可以由业务数据点(SDP)来提供,若数据量不大的情况下,也可以由SCP的数据库来提供。 User account service unit may be provided by a service data point (the SDP), if the amount of data is not the case, or may be provided by the SCP database. 金融系统用户帐户单元由金融系统提供。 Financial system user account unit provided by the financial system. 金融系统和电信系统若无法直连的话,可以通过支付网关(Payment Gateway)相连。 Financial and telecommunications systems If you can not directly connected, you can connect via the payment gateway (Payment Gateway).

当用户使用运营商提供的电信业务时,实时的从用户的业务帐户划拨去用户的业务使用费给运营商。 When you use telecommunications services provided by operators, real-time allocation to the user's service fee to the operator from the user's business account. SCP对用户业务帐户进行定时或实时的检测,当检测到业务帐户余额不足时,启动自动充值流程,SCP通过支付网关建立到金融系统的连接,根据用户签约的金融帐户,向金融系统请求到所述金融帐户划拨一定资金。 SCP user service account timing or real-time detection, when there is insufficient detects that a service account balance, automatically start recharging process, SCP establish a connection to the financial system through the payment gateway, according to user subscription financial account, a request to the financial system to the said financial account allocate certain funds. 金融系统根据SCP的请求,从所述金融帐户划拨一定的资金到用户的业务帐户上。 According to the SCP request financial system, allocate some funds from the financial account to the user's business account.

这样,用户业务帐户就可以保证留有一定的资金,保证用户可以继续使用运营商提供的业务。 In this way, the user can ensure that business account to leave some money to ensure that users can continue to use the services provided by the operator. 并且,不需要用户购买PPS卡去手动充值。 Also, the PPS does not require users to buy recharge cards to hand. 并且,对于控制话费的用户,通过对用户金融帐户费用的控制可以容易的控制业务使用费用。 And, for the control of user calls, by controlling the financial account of the user can easily control the cost of service usage fee. 对于话务量大,使用费高的用户,可以使用信用卡帐户,从而保证用户未及时对业务帐户进行充值时,也可从信用卡帐户划拨费用到业务帐户,以继续使用运营商提供的电信业务。 For traffic, high royalties user, you can use a credit card account, thus ensuring the user does not timely recharge business accounts, credit card accounts can also be allocated from cost to business account to continue using telecommunications services provided by the operator.

另一方面,由于用户业务帐户总能保证留有一定的资金,因此运营商不必担心背景技术所述立即付费业务那样用户使用业务后收取不到业务使用费,并且可以尽快的获得用户的业务使用费,而不必非要等待到月底,并且也不必对PPS卡发行进行管理。 On the other hand, since the total user accounts to ensure that business and leave some money, so operators do not have to worry about the technical background immediately paid services that charge a user fee than business after business use, and the user can use to obtain business as soon as possible fee, but do not have to wait until the end, and there is no need for PPS card issuance management.

其中,运营商系统和金融系统接口的底层传输协议可以是任何协议,如TCP/IP、HTTPS、HTTP等。 Wherein, carriers, banking system and the underlying transport protocol may be any interface protocol, such as TCP / IP, HTTPS, HTTP and the like. 运营商系统和金融系统接口的应用层协议可以是标准协议,如ISO8583。 Carriers, banking system and application layer protocol interface can be a standard protocol such as ISO8583.

以上所述仅为本发明的较佳实施例而已,并不用以限制本发明,凡在本发明的精神和原则之内,所作的任何修改、等同替换、改进等,均应包含在本发明的保护范围之内。 The preferred embodiment of the above embodiments of the present invention only but are not intended to limit the present invention, any modifications within the spirit and principle of the present invention, the, equivalent replacement, or improvement, it should be included in the present invention. within the scope of protection.

Claims (9)

1.一种电信用户业务帐户自动充值的方法,其特征在于,提供电信业务的运营商为用户分配业务帐户,用于对用户使用的电信业务进行扣费,用户签约金融系统的至少一个金融帐户与其业务帐户建立联系,该方法包括以下步骤:A、电信系统对用户业务帐户的费用情况进行检测,判断业务帐户的资金不足时,执行下一步;B、电信系统建立到金融系统的连接,从所述用户签约的金融系统的一个金融帐户中划拨一定金额到其所述业务帐户中。 CLAIMS 1. A telecommunications user account is automatically recharge service, characterized in that the carriers to provide telecommunication services to users assigned traffic accounts for telecommunication services used by a user to perform deductions, subscription user financial system at least one financial account establish contact with their business account, the method comprising the steps of: a, the cost of telecommunications systems business user accounts to detect, when judged insufficient funds business account, the next step; B, telecommunication systems establish a connection to the financial system, from the user subscribes to a financial account of the financial system to allocate a certain amount of business that the account.
2.根据权利要求1所述的方法,其特征在于,所述为用户分配业务帐户包括:为一个用户的所有业务分配一个相同的业务帐户;或,为一个用户的不同业务分配不同的业务帐户。 2. The method according to claim 1, wherein the distribution service is a user account comprising: a traffic distribution for all users of a same service account; or, assign a different service of different service user account .
3.根据权利要求1所述的方法,其特征在于,用户签约的不同的金融帐户具有不同的优先级,用于在优先级高的金融帐户资金不足时选择下一优先级的金融帐户;步骤B所述的金融帐户是根据该金融帐户的资金是否充足和优先级进行选择的。 3. The method according to claim 1, wherein the user financial account different subscription with different priorities for selecting the next priority in the financial account of the higher priority is insufficient financial account funds; Step B the financial account is selected based on the adequacy of the capital and financial account priority.
4.根据权利要求1所述的方法,其特征在于,进一步包括:步骤A所述进行检测的步骤可在以下情况之一时进行:用户在使用电信业务的过程中、电信系统定期处理用户业务帐户时、运营商设定的一定周期时。 4. The method according to claim 1, characterized in that, further comprising: a step of detecting said step A may be carried out at one of the following: the user during use of telecommunication services, the telecommunications system periodically processing user traffic account when the operator set a fixed period.
5.根据权利要求1所述的方法,其特征在于,步骤B所述划拨一定金额的数量由用户预先设置;或,由运营商预先设置;或,由金融系统预先设置。 5. The method according to claim 1, wherein said step B, allocated a certain amount of predetermined number set by the user; or, pre-set by the operator; or, preset by the financial system.
6.根据权利要求1或5所述的方法,其特征在于,进一步包括:所述划拨一定金额的数量以配置文件的方式存储在电信系统中;步骤B建立所述连接时,将配置文件或配置文件所记录的要划拨金额的数量发送给金融系统,金融系统根据接收的所述配置文件或接收的要划拨的金额的数量划拨金额。 The method according to claim 1 or claim 5, characterized in that, further comprising: the allocation of a certain amount to the number of profiles stored in a telecommunications system; step B to establish the connection, configuration files or the number allocated to the amount of the recorded profile is sent to the financial system, the financial system based on the number of the allocated amount of the received profile to be allocated or the amount received.
7.根据权利要求6所述的方法,其特征在于,所述划拨在金融系统收到所述配置文件或收到要划拨金额的数量时即刻执行;或,金融系统记录所述配置文件或接收的要划拨金额的数量,在一段时间后再执行。 7. The method according to claim 6, wherein said allocation performed immediately upon receipt of the financial system or the configuration file to receive the number of the allocated amount; or financial system of the configuration file or records received the amount allocated to the number, and then executed in a period of time.
8.一种电信用户业务帐户自动充值的系统,包括电信系统、金融系统,其特征在于,还包括:用户业务帐户单元,位于电信系统,用于提供用户的业务帐户;金融系统用户帐户单元,位于金融系统,用于提供用户的金融帐户;业务控制单元,位于电信系统内,用于检测用户业务帐户单元的业务帐户资金不足时,建立电信系统到金融系统的连接,并从金融系统用户帐户单元的金融帐户划拨一定资金到用户业务帐户单元的业务帐户。 8. A telecommunications service user account automatic refill system, comprising a telecommunications system, the financial system, characterized by, further comprising: a user service account unit located telecommunications system for providing a user service account; user account financial system unit, It located in the financial system to provide the user's financial account; the service control unit, located within the telecommunications system for insufficient funds account business unit detects the user service account, establish a connection to the telecommunications system of the financial system and the financial system from a user account financial account units allocated certain funds to the business account user account business unit.
9.根据权利要求8所述的系统,其特征在于,进一步包括:支付网关,用于实现电信系统和金融系统之间的通信。 9. The system according to claim 8, characterized in that, further comprising: a payment gateway, for communication between the telecommunication system and financial systems.
CN 200510132329 2005-12-21 2005-12-21 Telecommunication user business account automatic value-charging method and system CN1852386A (en)

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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

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CN101370060B (en) * 2007-08-17 2016-01-13 埃森哲环球服务有限公司 Multi-channel automatic 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

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