WO2011088664A1 - 一种实现扣取预付费业务租金的方法及系统 - Google Patents

一种实现扣取预付费业务租金的方法及系统 Download PDF

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Publication number
WO2011088664A1
WO2011088664A1 PCT/CN2010/074828 CN2010074828W WO2011088664A1 WO 2011088664 A1 WO2011088664 A1 WO 2011088664A1 CN 2010074828 W CN2010074828 W CN 2010074828W WO 2011088664 A1 WO2011088664 A1 WO 2011088664A1
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WIPO (PCT)
Prior art keywords
deduction
rent
user
period
package
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PCT/CN2010/074828
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English (en)
French (fr)
Inventor
乔林
李蕊
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中兴通讯股份有限公司
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Publication of WO2011088664A1 publication Critical patent/WO2011088664A1/zh

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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP

Definitions

  • the present invention relates to the field of intelligent network technologies, and in particular, to a method and system for realizing renting of prepaid service.
  • the mobile intelligent network system can not only provide mobile prepaid services, but also control the arrears and malicious overdrafts that are common in the telecom industry to the greatest extent, and reduce the operational risks of telecom operators. Guarantee normal business income; At the same time, it can provide various value-added services conveniently, flexibly, economically and effectively, and provide users with better quality through integration with business systems, customer service centers, short message centers and banking systems. Timely and user-friendly service.
  • the difference between monthly rent and daily rent is that the period of rent collection is different.
  • the monthly rent method means that the users on the network are charged a fixed monthly rent; the daily rent method means that the users on the network are charged a fixed rent once a day.
  • the rent is charged on a monthly basis, in the case where the user's account has a small amount of principal, after the monthly rent is deducted at the beginning of the month, the user's principal is likely to have only a small portion remaining for consumption or the account principal is already negative. It is impossible to continue to consume. In this case, the user has been deducted the monthly rent for the entire month, but can not consume, and can not use the package call resources such as free call duration, free SMS, free MMS and free GPRS (general wireless packet service) traffic. Incited user dissatisfaction.
  • the rent is charged according to the daily rent, the user's principal account is only deducted from the daily rent, and the collection period of the rent is refined compared with the monthly rent method.
  • monthly rent The income of gold is unstable. If there are more days in the month, the accumulated rent will be more in the current month. If the number of days in the month is small, the accumulated rent will be less in the current month. If the rent is not deducted on any day, the rent for this day cannot be collected again. It is not conducive to the operator to calculate the accumulated rental income for the whole month. Moreover, free resources such as free call duration, free SMS, free MMS, and free GPRS traffic for the month of the package cannot be refined to the sky.
  • the package resources will be all at the beginning of the month. Use the light, the latter half a month is arrears, you can also use a few more mobile phone cards to use each month in order, in this case, the user uses the package resources, the operator does not receive the package rent receivable, so that the operator is subject to loss.
  • the technical problem to be solved by the present invention is to provide a method and system for realizing the rent of the prepaid service, and to implement a more effective and stable method for deducting the rent of the prepaid service for the prepaid service.
  • a method for realizing the rent of the prepaid service of the present invention includes:
  • the SCP initializes the value of the remaining undeducted rent field to the deduction amount of the deduction period, and deducts the deduction amount of the deduction sub-period from the user's account balance in each deduction sub-period. And correspondingly subtracting the value of the remaining undeducted rent field from the deductible rent period of the deductible sub-period, and at the end of the deduction period, deducting the undeducted amount in the user's account balance according to the value of the remaining undeducted rent field The amount is either charged or deducted.
  • the method further comprises:
  • the SCP determines whether the user has activated. If activated, it determines whether the prepaid service opened by the user is activated. If the prepaid service is activated, the deduction ID field is set to be valid.
  • the method further comprises:
  • the SCP determines whether the deduction ID field is valid before deducting the deduction amount of the deduction sub-period from the user's account balance in each deduction sub-period. If it is valid, the deduction of the deduction from the user's account balance is performed. The deductible amount of the sub-cycle. Preferably, if the SCP determines that the user is not activated or the prepaid service is not activated, the SLA identifier field is set to be invalid;
  • the deduction of the deduction sub-period is not deducted from the user's account balance.
  • the deduction period is one month
  • the deduction sub-period is one day
  • the pre-paid service is a package-type service
  • the deduction period of the deduction period is a package monthly rent
  • the deduction sub-period deduction amount is a package daily rent.
  • the SCP includes a package deduction configuration table;
  • the steps of recording the deduction period of the prepaid service and the deduction of the deductible sub-period in the SCP are as follows: The package monthly rent and the package daily rent are saved in the package deduction configuration table corresponding to the user's package;
  • the step of saving the remaining undeducted rent field in the SCP is: saving the remaining undeducted rent field in the user package record of the user who opened the package in the user package table;
  • the SCP initializes the value of the remaining undeducted rent field to the deduction period of the deduction period:
  • the SCP initializes the remaining undeducted rent field in the user package record to the beginning of each month.
  • each deduction sub-period the deduction of the deduction sub-cycle deduction from the user's account balance, and correspondingly subtracting the value of the remaining undeducted rent field from the deduction of the deductible sub-period is:
  • the package daily rent in the corresponding package record is deducted from the user's account balance, and the value of the remaining undeducted rent field is correspondingly subtracted from the package daily rent;
  • the steps of deducting the undeducted amount or charging the deducted amount in the user's account balance are: At the end of each month, according to the remaining undeducted rent field The value is deducted from the user's account balance and the deducted amount is charged accordingly.
  • the package index is included in the package record and the user package record, and the SCP searches for the package record corresponding to the user package record according to the package index.
  • a system for realizing the rental of prepaid business services of the present invention includes: an intelligent mobile application platform
  • SMAP Intelligent Mobile Platform
  • SMP Intelligent Mobile Platform
  • SCP Service Control Point
  • the SMAP is set to record the deductible service in the SCP for the deduction period and the deduction period of the prepaid service through SMP; and save the remaining undeducted rent field in the SCP for the user who opens the prepaid service;
  • the SCP is set to initialize the value of the remaining undeducted rent field to the deductible rent amount of the deduction period after the deduction period begins.
  • the deduction of the deduction sub-period is deducted from the user's account balance.
  • the amount, and correspondingly subtract the value of the remaining undeducted rent field from the deductible rent period of the deductible sub-period, and at the end of the deduction period, according to the value of the remaining undeducted rent field, correspondingly deducted from the user's account balance Undeducted amount or charged with multiple deductions.
  • the SMAP is further configured to save the deduction identifier field in the SCP by the user who passes the SMP and activates the prepaid service;
  • the SCP is further configured to determine whether the user has been activated after the start of the leaseback period. If activated, determine whether the prepaid service opened by the user is activated. If the prepaid service is activated, the lease identifier field is set. To be effective.
  • the SCP is further configured to determine, after deducting the deduction amount of the deduction sub-period from the account balance of the user in each deduction sub-period, whether the deduction ID field is valid, and if valid, executing the user's The deduction amount of the deduction sub-period is deducted from the account balance.
  • the SCP is further configured to: if the user is inactivated or the prepaid service is not activated, the lease identifier field is set to be invalid; and when the lease identifier field is determined to be invalid, the lease is not deducted from the account balance of the user.
  • the deductible amount of the sub-cycle is further configured to: if the user is inactivated or the prepaid service is not activated, the lease identifier field is set to be invalid; and when the lease identifier field is determined to be invalid, the lease is not deducted from the account balance of the user. The deductible amount of the sub-cycle.
  • the present invention records the rent that the user has not deducted by setting the remaining undeducted rent field, deducts the rent from the user's account according to the deduction sub-period, and deducts the remaining from the user's account balance at the end of the deduction period.
  • the undeducted rent recorded by the user in the deduction rent field is constant for the operator, and there is no loss.
  • all remaining undeducted rents are deducted, effectively avoiding the malicious consumption of the user. Maximize the rights and interests of operators and users, increase the revenue of operators, and give users a good experience.
  • FIG. 1 is a flow chart of a method for deducting a rent of a prepaid service according to the present invention
  • FIG. 2 is a structural diagram of a system for realizing the rental of prepaid service according to the present invention.
  • An implementation manner of the method for debiting a prepaid service rent in an intelligent network of the present invention is to record, in an SCP (Service Control Point), a deduction charge of a prepaid service in a deduction period and a deduction sub-period. And saving a remaining undeducted rent field for the user who opened the prepaid service, wherein the deduction period may be monthly or quarterly, and the deduction sub-period may use the day or month accordingly, and the deduction period should be deduction An integer multiple of the subcycle.
  • SCP Service Control Point
  • the SCP initializes the value of the remaining undeducted rent field to the deduction amount of the deduction period, and deducts the deduction amount of the deduction sub-period from the user's account balance in each deduction sub-period. And correspondingly subtracting the value of the remaining undeducted rent field from the deductible rent period of the deduction sub-period, and at the end of the deduction period, deducting correspondingly in the user's account balance according to the value of the remaining undeducted rent field Undeducted amount or charged with multiple deductions.
  • the rent deduction method of the present embodiment may use the monthly rent deduction, record the monthly rent of the package and the daily rent deducted in the package deduction configuration table, and set the remaining undeducted in the user package table.
  • the rent field after deducting the daily rent for the day of the day, subtracts the value of the remaining undeducted rent field from the daily rent deducted for the day, and subtracts the value of the remaining undeducted rent field from the user's account balance at the end of the month.
  • the daily rent is only deducted every day. At the end of the deduction period, the remaining undeducted rent is deducted from the user's account balance. The same rent can be deducted in each deduction period regardless of the number of days in the deduction period.
  • the method of the present embodiment can be applied to a prepaid service of a mobile intelligent network, including: a GSM (Global Mobile Telecommunications System) intelligent network, a CDMA (Code Division Multiple Access) intelligent network, and a PSTN (Public Switched Telephone Network) intelligent network.
  • GSM Global Mobile Telecommunications System
  • CDMA Code Division Multiple Access
  • PSTN Public Switched Telephone Network
  • FIG. 1 is a schematic diagram of a method for deducting a rent of a prepaid service according to the embodiment, including:
  • SMAP smart mobile application platform
  • SMAP writes the brand configuration table to SCP (Business Control Point) through SMP (Intelligent Mobile Platform), which contains several brand records, each The brand record contains the following information for a brand: brand index, brand name, and other relevant attributes of the brand;
  • Brands refer to mobile phone card types such as Shenzhouxing, M-Zone and Global Connect.
  • the package deduction configuration table includes records of several packages, and each package record includes the following information of the package: Brand index, package index, package name, package deduction method, package monthly rent, package daily rent, and other attributes of the package;
  • Each package corresponds to a record in the user package debit configuration table.
  • the monthly rent of the package and the daily rent of the package are fixed and can be modified.
  • the product of the daily rent of the package deducted every day and the number of days of the whole month should be controlled to be equal to or close to the package monthly rent, avoiding the package daily rent and package of the whole month. There is a big difference in monthly rent.
  • a brand can have several kinds of packages, and the brand index of the package can be known through the brand index in the package record of the package deduction configuration table.
  • the above brand configuration table and package deduction configuration table are the global tables of the SCP.
  • the user package table includes records of a number of packages opened by the user, and two fields are added to each user package record, and the remaining undeducted rent field and the deduction rent identification field are included, and the user package record further includes: the user number , brand index and package index information; a user can open multiple packages, each package opened by the user corresponds to a record in the user package table.
  • the user package table is saved in the SCP.
  • the SCP searches the corresponding package record in the package deduction configuration table according to the package index in the user package record of the user package table through the scheduled task, and reads the package monthly rent from the found package record. Initializing the remaining undeducted rent field in the user package record to the monthly subscription rent of the package;
  • step 105 The SCP queries whether the user has been activated according to the user number in the user package record. If the user has activated, step 106 is performed; otherwise, step 108 is performed; 106: The SCP queries whether the package is activated according to the package index in the user package record, if the package is activated, step 107 is performed; otherwise, step 108 is performed;
  • the SCP sets the deduction ID field in the user package record to be valid.
  • the SCP sets the deduction ID field in the user package record to be invalid.
  • a user may customize multiple packages, that is, have multiple user package records in the user package table. At this time, all user package records of the user need to be processed one by one.
  • the deduction identifier field of the user package record corresponding to the user in the user package table is set to be valid.
  • the value of the remaining undeducted rent field in the user package record of the user package table corresponding to the package is set to be from the package.
  • the package monthly rent read in the corresponding package record of the rent configuration table, and the deduction ID field is set to be valid; if the package is a monthly rental package, but the user has not activated, the remaining undeducted rent field is set to The package monthly rent read from the corresponding package record in the package deduction configuration table, and the deduction of the identification field is invalid.
  • the SCP reads the user package record of the user package table every day. If the deduction rent identification field identifier is valid, the package record in the corresponding package deduction configuration table is searched according to the package index, and the package rental is obtained, from the user information table. The package daily rent is deducted from the account balance, and the value of the remaining undeducted rent field in the user package record is subtracted from the package day rent;
  • the SCP does not successfully deduct the package daily rent from the user's account balance due to arrears, etc., the value of the remaining undeducted rent field in the user package record is not processed.
  • the SCP judges whether the deduction ID field in the user package record is valid by the scheduled task at the end of each month. If it is valid, the value of the remaining undeducted rent field is read, and the remaining undeducted is deducted from the account balance of the user information table. Rent or fill the account balance with a multi-deposit rent and set the remaining undeducted rent field to zero.
  • each user package record needs to be processed one by one, that is, the SCP needs to deduct from the account balance of the user information table that all the user's deduction identifier fields are identified as valid users. The remaining undeducted rent in the package record.
  • the value of the remaining undeducted rent field can be positive or negative. If it is positive, the remaining undeducted rent is deducted from the account balance; if it is negative, the corresponding excess rent is added to the user in the account balance.
  • the package daily rent can be set to satisfy the following conditions: the amount of the package daily rent of 31 days is not more than the package monthly rent, thus ensuring the remaining at the end of the month.
  • the deduction rent is greater than or equal to zero.
  • SMAP a system for implementing a pre-paid service rent, including: SMAP, SMP, and SCP, wherein SMP is respectively connected to SMAP and SCP;
  • SMAP which is used to record the prepaid service in the SCP through the SMP in a deduction period and a deduction sub-period; and save the remaining undebited rent field and the SCP in the SCP for the user who opened the prepaid service.
  • Deduction ID field which is used to record the prepaid service in the SCP through the SMP in a deduction period and a deduction sub-period; and save the remaining undebited rent field and the SCP in the SCP for the user who opened the prepaid service.
  • the SCP is used to initialize the value of the remaining undeducted rent field to the deductible rent amount of the deduction period after the start of the deduction period, to determine whether the user has activated, and if activated, determine whether the prepaid service opened by the user is Activated, if the prepaid service is activated, the Deduction ID field is set to be valid.
  • the Deduction ID field is set to be valid.
  • the undeducted amount or the deducted amount is deducted correspondingly in the user's account balance.
  • the invention records the rent that the user has not deducted by setting the remaining undeducted rent field, deducts the rent from the user's account according to the deduction sub-period, and deducts from the user's account balance at the end of the deduction period. Except for the undeducted rent recorded by the user in the remaining undeducted rent field, for the operator, the rental income is constant and there is no loss. At the end of the deduction period, all remaining undeducted rents are deducted, effectively avoiding the maliciousness of the user. Consumption can maximize the rights of operators and users, increase the revenue of operators, and give users a good experience.

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Abstract

本发明公开了一种实现扣取预付费业务租金的方法及系统，包括：在业务控制点（SCP）中记录预付费业务的扣租周期和扣租子周期的扣租金额；并在SCP中，为开通预付费业务的用户保存剩余未扣租金字段；SCP在扣租周期开始后，将剩余未扣租金字段的值初始化为扣租周期的扣租金额，在每个扣租子周期，从用户的账户余额中扣除扣租子周期的扣租金额，并相应地将剩余未扣租金字段的值减去该扣租子周期的扣租金额，在扣租周期结束时，根据剩余未扣租金字段的值，在用户的账户余额中相应地扣除未扣金额或充入多扣金额。

Description

一种实现扣取预付费业务租金的方法及系统
技术领域
本发明涉及智能网技术领域， 尤其涉及一种实现扣取预付费业务租金的 方法及系统。
背景技术
移动智能网系统作为移动通信行业新兴的业务服务网络， 不仅能通过提 供移动预付费等业务， 最大限度地控制目前电信行业普遍存在的欠费、 恶意 透支等现象， 减少电信运营商的经营风险， 保障正常的经营收益； 同时， 还 能方便、 灵活、 经济、 有效地提供各种增值业务， 并能通过与营业系统、 客 户服务中心、 短消息中心以及银行系统的集成， 为用户提供更优质、 及时和 人性化的服务。
随着移动网络的发展， 越来越多的运营商开始提供移动智能网业务， 移 动运营商之间的竟争也日趋激烈。 如何提供优质的服务， 吸引更多新的移动 用户， 提高在网移动用户的忠实度， 刺激在网移动用户消费， 同时给应用移 动业务的用户良好的应用体验， 是摆在各个运营商面前的难题。
预付费智能网业务收取租金的方式主要有两种， 月租方式和日租方式。 月租和日租的区别在于收租的周期不同。 月租方式即对在网的用户每月收取 一次定额的租金； 日租方式即对于在网的用户每天收取一次定额的租金。
如果按照月租方式收取租金， 在用户帐户的本金不多的情况下， 月初扣 过月租之后， 用户本金很可能只剩余很少的一部分可以用于消费或者帐户本 金已经为负， 根本无法继续消费。 这样的话， 用户已经被扣除了整个月的月 租， 却无法消费， 也无法使用套餐本身包含的免费通话时长、 免费短信、 免 费彩信和免费 GPRS (通用无线分组业务） 流量等套餐资源， 很容易招致用 户的不满。
如果按照日租方式收取租金， 用户的本金帐户每天只扣取日租， 与月租 方式相比， 租金的收取周期有所细化。 但是， 对于运营商来说， 每个月的租 金收入不稳定， 如果当月天数多， 则当月累计收取的租金就多， 如果当月天 数少， 则当月累计收取的租金就少， 如果哪一天没有扣到租金， 那么这一天 的租金就无法再次收取， 不利于运营商统计整月的累计租金收入。 并且， 套 餐当月的免费通话时长、 免费短信、 免费彩信和免费 GPRS流量等免费资源 无法细化到天， 如果细化到天逻辑上也不合理， 如果遇到恶意用户， 在月初 将套餐资源全部用光， 后面大半个月时间都欠费， 还可以多办几张手机卡每 月依次使用， 这样的话， 用户使用了套餐资源， 运营商却收不到应收的套餐 租金， 使运营商受到损失。
发明内容
本发明要解决的技术问题是提供一种实现扣取预付费业务租金的方法及 系统， 针对预付费业务， 实现一种更加有效且稳定的预付费业务租金的扣取 方法。
为解决上述技术问题， 本发明的一种实现扣取预付费业务租金的方法， 包括：
在业务控制点 （SCP ) 中记录预付费业务的扣租周期和扣租子周期的扣 租金额； 并在 SCP中， 为开通预付费业务的用户保存剩余未扣租金字段； 以 及
SCP在扣租周期开始后， 将剩余未扣租金字段的值初始化为扣租周期的 扣租金额， 在每个扣租子周期， 从用户的账户余额中扣除扣租子周期的扣租 金额， 并相应地将剩余未扣租金字段的值减去该扣租子周期的扣租金额， 在 扣租周期结束时， 根据剩余未扣租金字段的值， 在用户的账户余额中相应地 扣除未扣金额或充入多扣金额。
优选地， 该方法还包括：
在 SCP中为开通预付费业务的用户保存扣租标识字段； 以及
SCP在扣租周期开始后， 判断用户是否已激活， 若已激活， 则判断该用 户开通的该预付费业务是否已激活， 若该预付费业务已激活， 则将扣租标识 字段设置为有效。 优选地， 该方法还包括：
SCP在每个扣租子周期， 从用户的账户余额中扣除扣租子周期的扣租金 额前， 判断扣租标识字段是否为有效， 若为有效， 则执行从用户的账户余额 中扣除扣租子周期的扣租金额。 优选地， SCP若判断用户未激活或预付费业务未激活， 则将扣租标识字 段设置为无效； 以及
SCP判断扣租标识字段为无效时， 则不从用户的账户余额中扣除扣租子 周期的扣租金额。 优选地， 扣租周期为一个月， 扣租子周期为一天， 预付费业务为套餐形 式的业务， 扣租周期的扣租金额为套餐月租金， 扣租子周期的扣租金额为套 餐日租金， SCP包括套餐扣租配置表；
在 SCP 中记录预付费业务的扣租周期和扣租子周期的扣租金额的步骤 为： 将套餐月租金和套餐日租金保存在套餐扣租配置表的与用户的套餐相应 套餐记录中；
在 SCP中保存剩余未扣租金字段的步骤为： 将剩余未扣租金字段保存在 用户套餐表的开通所述套餐的用户的用户套餐记录中；
SCP在扣租周期开始后， 将剩余未扣租金字段的值初始化为扣租周期的 扣租金额的步骤为： SCP在每个月开始时， 将用户套餐记录中的剩余未扣租 金字段初始化为相应的套餐记录中的套餐月租金；
在每个扣租子周期， 从用户的账户余额中扣除扣租子周期的扣租金额， 并相应地将剩余未扣租金字段的值减去扣租子周期的扣租金额的步骤为： 在 每一日， 从用户的账户余额中扣除相应的套餐记录中的套餐日租金， 并相应 地将剩余未扣租金字段的值减去该套餐日租金；
在扣租周期结束时， 根据剩余未扣租金字段的值， 在用户的账户余额中 相应地扣除未扣金额或充入多扣金额的步骤为： 在每月结束时， 根据剩余未 扣租金字段的值，在用户的账户余额中相应地扣除未扣金额或充入多扣金额。
优选地， 在套餐记录和用户套餐记录中还包含套餐索引， SCP根据套餐 索引查找与用户套餐记录相应的套餐记录。 本发明的一种实现扣取预付费业务租金的系统包括： 智能移动应用平台
( SMAP ) 、 智能移动平台 （SMP )和业务控制点 （SCP ) , 其中：
SMAP设置为通过 SMP将预付费业务在扣租周期和扣租子周期的扣租金 额记录到 SCP中；并为开通预付费业务的用户在 SCP中保存剩余未扣租金字 段；
SCP设置为在扣租周期开始后， 将剩余未扣租金字段的值初始化为扣租 周期的扣租金额， 在每个扣租子周期， 从用户的账户余额中扣除扣租子周期 的扣租金额， 并相应地将剩余未扣租金字段的值减去该扣租子周期的扣租金 额， 在扣租周期结束时， 根据剩余未扣租金字段的值， 在用户的账户余额中 相应地扣除未扣金额或充入多扣金额。
优选地， SMAP还设置为通过 SMP并为开通预付费业务的用户在 SCP 中保存扣租标识字段；
SCP还设置为在扣租周期开始后， 判断用户是否已激活， 若已激活， 则 判断该用户开通的该预付费业务是否已激活， 若该预付费业务已激活， 则将 扣租标识字段设置为有效。 优选地， SCP还设置为在每个扣租子周期， 从用户的账户余额中扣除扣 租子周期的扣租金额前， 判断扣租标识字段是否为有效， 若为有效， 则执行 从用户的账户余额中扣除扣租子周期的扣租金额。
优选地， SCP还设置为若判断用户未激活或预付费业务未激活， 则将扣 租标识字段设置为无效； 并在判断扣租标识字段为无效时， 不从用户的账户 余额中扣除扣租子周期的扣租金额。
综上所述， 本发明通过设置剩余未扣租金字段记录用户未扣除的租金， 对用户的帐户按照扣租子周期扣除租金， 并在扣租周期结束时， 从用户的账 户余额中扣除剩余未扣租金字段中记录的用户未扣除的租金， 对于运营商来 说， 租金收入恒定， 没有任何损失， 在扣租周期结束时扣取全部剩余未扣租 金， 有效地避免了用户的恶意消费， 可以最大限度地保障运营商和用户的权 益， 提高运营商的收入， 给用户良好的体验。 附图概述
图 1为本发明实现扣取预付费业务租金的方法的流程图；
图 2为本发明实现扣取预付费业务租金的系统的架构图。
本发明的较佳实施方式
本发明的在智能网中实现预付费业务租金的扣取方法的一种实施方式 为， 在 SCP (业务控制点） 中记录预付费业务在一个扣租周期和一个扣租子 周期的扣租金额， 并为开通预付费业务的用户保存一剩余未扣租金字段， 其 中， 扣租周期可以是月或季度等， 扣租子周期可以相应地釆用日或月等， 扣 租周期应该是扣租子周期的整数倍。
SCP在扣租周期开始后， 将剩余未扣租金字段的值初始化为扣租周期的 扣租金额， 在每个扣租子周期， 从用户的账户余额中扣除扣租子周期的扣租 金额， 并相应地将剩余未扣租金字段的值减去该扣租子周期的扣租金额， 在 扣租周期结束时， 根据所述剩余未扣租金字段的值， 在用户的账户余额中相 应地扣除未扣金额或充入多扣金额。
实际中， 本实施方式的租金扣取方法可以釆用月租日扣， 在套餐扣租配 置表中记录套餐的整月租金和每天扣取的日租金， 并在用户套餐表中设置剩 余未扣租金字段， 在每日扣取当日的日租金后， 将剩余未扣租金字段的值减 去当天扣取的日租金， 并在月底从用户的账户余额中减去剩余未扣租金字段 的值， 实现每天只扣日租， 在扣租周期结束时， 从用户的账户余额中扣除剩 余未扣的租金， 不论扣租周期的天数是多少， 都能在每个扣租周期扣取相同 的租金。
本实施方式的方法可应用于移动智能网络的预付费业务，包括： GSM (全 球移动通讯系统）智能网、 CDMA (码分多址）智能网和 PSTN (公共交换电 话网络）智能网等。
下面结合附图对本发明的具体实施方式进行说明。
下面以月为扣租周期， 日为扣租子周期为例， 说明本实施方式的方法, 图 1所示为本实施方式实现扣取预付费业务租金的方法， 包括：
101 : 在 SMAP (智能移动应用平台 )上设置品牌配置表， SMAP通过 SMP (智能移动平台）将品牌配置表写入 SCP (业务控制点） ， 该品牌配置 表中包含若干个品牌的记录， 每条品牌记录中包含一个品牌的如下信息： 品 牌索引、 品牌名以及品牌的其他相关属性；
品牌是指如神州行、 动感地带和全球通等手机卡类型。
102: 在 SMAP上设置套餐扣租配置表， SMAP通过 SMP将套餐扣租配 置表写入 SCP, 该套餐扣租配置表中包含若干个套餐的记录， 每条套餐记录 中包含套餐的如下信息： 品牌索引、 套餐索引、 套餐名、 套餐扣租方式、 套 餐月租金、 套餐日租金以及套餐的其他属性；
每种套餐对应用户套餐扣租配置表中的一条记录。
套餐月租金和套餐日租金都是固定的， 可以进行修改， 应当控制每天扣 取的套餐日租金与整月天数的乘积等于或者接近套餐月租金， 避免整月累计 扣取的套餐日租金与套餐月租金有较大的出入。
一个品牌可以有若干种套餐， 通过套餐扣租配置表的套餐记录中的品牌 索引可以获知该套餐所属的品牌。
上述的品牌配置表和套餐扣租配置表为 SCP的全局表。
103: 在用户套餐表中包含若干个用户所开通的套餐的记录， 在每条用户 套餐记录中增加两个字段， 剩余未扣租金字段和扣租标识字段， 用户套餐记 录中还包含： 用户号码、 品牌索引和套餐索引等信息； 一个用户可以开通多个套餐， 用户开通的每个套餐对应用户套餐表中的 一条记录。 用户套餐表保存在 SCP中。
104: 每个月开始时， SCP通过定时任务， 根据用户套餐表的用户套餐记 录中的套餐索引查找套餐扣租配置表中相应的套餐记录， 从查找到的套餐记 录中读取套餐月租金， 将用户套餐记录中的剩余未扣租金字段初始化为所读 取到的套餐月租金；
105: SCP根据用户套餐记录中的用户号码查询该用户是否已经激活， 如 果用户已经激活， 则执行步骤 106; 否则， 执行步骤 108; 106: SCP根据用户套餐记录中的套餐索引查询该套餐是否已激活， 如果 套餐已激活， 则执行步骤 107; 否则， 执行步骤 108;
107: SCP将用户套餐记录中的扣租标识字段置为标识有效；
108: SCP将用户套餐记录中的扣租标识字段置为标识无效；
一个用户可能定制多个套餐，即在用户套餐表中拥有多条用户套餐记录， 此时， 需要对用户的全部用户套餐记录逐一处理。
在对用户进行激活或者对用户的某一套餐进行激活时， 将用户套餐表中 该用户相应的用户套餐记录的扣租标识字段置为标识有效。 当用户开通一个 新的套餐时， 如果该套餐是月租日扣套餐并且用户已经激活， 则将该套餐对 应的用户套餐表的用户套餐记录中的剩余未扣租金字段的值置为从套餐扣租 配置表的相应套餐记录中读取的套餐月租金， 并将扣租标识字段置为标识有 效； 如果该套餐是月租日扣套餐， 但用户尚未激活， 则将剩余未扣租金字段 置为从套餐扣租配置表中相应套餐记录中读取的套餐月租金， 将扣租标识字 段置为标识无效。
109: SCP每日读取用户套餐表的用户套餐记录， 若扣租标识字段标识有 效， 则根据套餐索引查找相应的套餐扣租配置表中的套餐记录， 获取套餐曰 租金， 从用户信息表的账户余额中扣除套餐日租金， 并将用户套餐记录中的 剩余未扣租金字段的值减去套餐日租金；
如果由于欠费等原因， SCP未成功地从用户的账户余额中扣除套餐日租 金， 则不对用户套餐记录中的剩余未扣租金字段的值进行处理。
110: SCP通过每月月末的定时任务， 判断用户套餐记录中的扣租标识字 段是否有效， 若有效， 则读取剩余未扣租金字段的值， 从用户信息表的帐户 余额中扣除剩余未扣租金或在账户余额中充入多扣的租金， 并将剩余未扣租 金字段置为零。
当用户开通多个套餐， 具有多个用户套餐记录时， 需要对每个用户套餐 记录逐一处理， 即 SCP需要从用户信息表的账户余额中扣除该用户的所有扣 租标识字段标识为有效的用户套餐记录中的剩余未扣租金。
对于扣租标识字段标识为无效的用户套餐记录， 不从用户的账户余额中 扣取用户套餐表中的剩余未扣租金。
剩余未扣租金字段的值可正可负， 如果为正， 则从帐户余额中扣除剩余 未扣租金； 如果为负， 则在账户余额中为用户补入相应的多扣租金。
由于补款有可能会改变用户的状态， 为了实际工作的简便性， 可以将套 餐日租金设置为满足以下条件：套餐日租金 31天的金额不大于套餐月租金， 这样就保证了月底的剩余未扣租金大于等于零。
图 2为本发明实现扣取预付费业务租金的系统， 包括： SMAP、 SMP和 SCP, 其中， SMP分别与 SMAP和 SCP连接；
SMAP, 用于通过 SMP将预付费业务在一个扣租周期和一个扣租子周期 的扣租金额记录到 SCP中；并为开通预付费业务的用户在 SCP中保存一剩余 未扣租金字段和一扣租标识字段。
SCP, 用于在扣租周期开始后， 将剩余未扣租金字段的值初始化为扣租 周期的扣租金额， 判断用户是否已激活， 若已激活， 则判断该用户开通的该 预付费业务是否已激活， 若该预付费业务已激活， 则将扣租标识字段设置为 有效。 在每个扣租子周期， 判断扣租标识字段是否为有效， 若为有效， 则从 用户的账户余额中扣除扣租子周期的扣租金额， 并相应地将剩余未扣租金字 段的值减去该扣租子周期的扣租金额， 在扣租周期结束时， 根据剩余未扣租 金字段的值， 在用户的账户余额中相应地扣除未扣金额或充入多扣金额。
系统中各网元的其它功能请参考方法内容的描述。
以上所述仅为本发明的优选实施例而已， 并不用于限制本发明， 对于本 领域的技术人员来说， 本发明可以有各种更改和变化。 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。
工业实用性
本发明通过设置剩余未扣租金字段记录用户未扣除的租金， 对用户的帐 户按照扣租子周期扣除租金， 并在扣租周期结束时， 从用户的账户余额中扣 除剩余未扣租金字段中记录的用户未扣除的租金， 对于运营商来说， 租金收 入恒定， 没有任何损失， 在扣租周期结束时扣取全部剩余未扣租金， 有效地 避免了用户的恶意消费， 可以最大限度地保障运营商和用户的权益， 提高运 营商的收入， 给用户良好的体验。

Claims

权 利 要 求 书
1、 一种实现扣取预付费业务租金的方法， 包括：
在业务控制点 （SCP ) 中记录预付费业务的扣租周期和扣租子周期的扣 租金额； 并在所述 SCP中为开通所述预付费业务的用户保存剩余未扣租金字 段； 以及
所述 SCP在所述扣租周期开始后， 将所述剩余未扣租金字段的值初始化 为所述扣租周期的扣租金额； 在每个所述扣租子周期， 从用户的账户余额中 扣除所述扣租子周期的扣租金额， 并相应地将所述剩余未扣租金字段的值减 去所述扣租子周期的扣租金额； 在所述扣租周期结束时， 根据所述剩余未扣 租金字段的值， 在用户的账户余额中相应地扣除未扣金额或充入多扣金额。
2、 如权利要求 1所述的方法， 还包括：
在所述 SCP中为开通所述预付费业务的用户保存扣租标识字段； 以及 所述 SCP在所述扣租周期开始后，判断所述用户是否已激活，若已激活， 则判断所述用户开通的所述预付费业务是否已激活， 若所述预付费业务已激 活， 则将所述扣租标识字段设置为有效。
3、 如权利要求 2所述的方法， 还包括：
所述 SCP在每个所述扣租子周期， 从用户的账户余额中扣除所述扣租子 周期的扣租金额前， 判断所述扣租标识字段是否为有效， 若为有效， 则执行 从用户的账户余额中扣除所述扣租子周期的扣租金额。
4、 如权利要求 3所述的方法， 还包括：
所述 SCP若判断所述用户未激活或所述预付费业务未激活， 则将所述扣 租标识字段设置为无效； 以及
所述 SCP判断所述扣租标识字段为无效时， 则不从用户的账户余额中扣 除所述扣租子周期的扣租金额。
5、 如权利要求 1所述的方法， 其中，
所述扣租周期为一个月， 所述扣租子周期为一天， 所述预付费业务为套 餐形式的业务， 所述扣租周期的扣租金额为套餐月租金， 所述扣租子周期的 扣租金额为套餐日租金， 所述 SCP包括套餐扣租配置表和用户套餐表； 在 SCP中记录预付费业务的扣租周期和扣租子周期的扣租金额的所述步 骤为： 将所述套餐月租金和套餐日租金保存在所述套餐扣租配置表的与用户 的套餐相应的套餐记录中；
在所述 SCP中保存所述剩余未扣租金字段的步骤为： 将所述剩余未扣租 金字段保存在所述用户套餐表的开通所述套餐的用户的用户套餐记录中； 所述 SCP在所述扣租周期开始后， 将所述剩余未扣租金字段的值初始化 为所述扣租周期的扣租金额的所述步骤为： 所述 SCP在每个月开始时， 将所 述用户套餐记录中的剩余未扣租金字段初始化为相应的套餐记录中的套餐月 租金；
在每个所述扣租子周期， 从用户的账户余额中扣除所述扣租子周期的扣 租金额， 并相应地将所述剩余未扣租金字段的值减去所述扣租子周期的扣租 金额的所述步骤为： 在每一日， 从用户的账户余额中扣除相应的套餐记录中 的套餐日租金，并相应地将所述剩余未扣租金字段的值减去所述套餐日租金； 在所述扣租周期结束时， 根据所述剩余未扣租金字段的值， 在用户的账 户余额中相应地扣除未扣金额或充入多扣金额的所述步骤为：在每月结束时， 根据所述剩余未扣租金字段的值， 在用户的账户余额中相应地扣除未扣金额 或充入多扣金额。
6、 如权利要求 5所述的方法， 其中，
在所述套餐记录和用户套餐记录中还包含套餐索引， 所述 SCP根据所述 套餐索引查找与所述用户套餐记录相应的套餐记录。
7、 一种实现扣取预付费业务租金的系统， 包括： 智能移动应用平台 ( SMAP ) 、 智能移动平台 （SMP )和业务控制点 （SCP ) , 其中：
所述 SMAP设置为通过所述 SMP将预付费业务在扣租周期和扣租子周 期的扣租金额记录到所述 SCP 中； 并为开通所述预付费业务的用户在所述 SCP中保存剩余未扣租金字段；
所述 SCP设置为在所述扣租周期开始后， 将所述剩余未扣租金字段的值 初始化为所述扣租周期的扣租金额， 在每个所述扣租子周期， 从用户的账户 余额中扣除所述扣租子周期的扣租金额， 并相应地将所述剩余未扣租金字段 的值减去所述扣租子周期的扣租金额， 在所述扣租周期结束时， 根据所述剩 余未扣租金字段的值， 在用户的账户余额中相应地扣除未扣金额或充入多扣 金额。
8、 如权利要求 7所述的系统， 其中，
所述 SMAP还设置为通过所述 SMP并为开通所述预付费业务的用户在 所述 SCP中保存扣租标识字段；
所述 SCP还设置为在所述扣租周期开始后， 判断所述用户是否已激活， 若已激活， 则判断所述用户开通的所述预付费业务是否已激活， 若所述预付 费业务已激活， 则将所述扣租标识字段设置为有效。
9、 如权利要求 8所述的系统， 其中，
所述 SCP还设置为在每个所述扣租子周期， 从用户的账户余额中扣除所 述扣租子周期的扣租金额前， 判断所述扣租标识字段是否为有效， 若为有效， 则执行从用户的账户余额中扣除所述扣租子周期的扣租金额。
10、 如权利要求 9所述的系统， 其中，
所述 SCP还设置为若判断所述用户未激活或所述预付费业务未激活， 则 将所述扣租标识字段设置为无效； 并在判断所述扣租标识字段为无效时， 不 从用户的账户余额中扣除所述扣租子周期的扣租金额。
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