WO2011106952A1 - 实现通讯终端业务付费的方法、系统及业务平台 - Google Patents

实现通讯终端业务付费的方法、系统及业务平台 Download PDF

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Publication number
WO2011106952A1
WO2011106952A1 PCT/CN2010/074087 CN2010074087W WO2011106952A1 WO 2011106952 A1 WO2011106952 A1 WO 2011106952A1 CN 2010074087 W CN2010074087 W CN 2010074087W WO 2011106952 A1 WO2011106952 A1 WO 2011106952A1
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WO
WIPO (PCT)
Prior art keywords
account
communication terminal
message
information
account information
Prior art date
Application number
PCT/CN2010/074087
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English (en)
French (fr)
Inventor
高杰
Original Assignee
中兴通讯股份有限公司
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Publication of WO2011106952A1 publication Critical patent/WO2011106952A1/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
    • 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
    • H04M15/55—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP for hybrid networks
    • 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
    • H04M15/70—Administration or customization aspects; Counter-checking correct charges
    • H04M15/765—Linked or grouped accounts, e.g. of users or devices
    • 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
    • H04M15/70—Administration or customization aspects; Counter-checking correct charges
    • H04M15/77—Administration or customization aspects; Counter-checking correct charges involving multiple accounts per user
    • 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
    • H04M15/70—Administration or customization aspects; Counter-checking correct charges
    • H04M15/77—Administration or customization aspects; Counter-checking correct charges involving multiple accounts per user
    • H04M15/772—Administration or customization aspects; Counter-checking correct charges involving multiple accounts per user per service, e.g. prepay or post-pay
    • 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
    • H04M15/88—Provision for limiting connection, or expenditure
    • 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
    • H04M15/88—Provision for limiting connection, or expenditure
    • H04M15/882—Provision for limiting connection, or expenditure for continuing the call beyond the limit using an alternative, e.g. alternative account
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24—Accounting or billing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]

Definitions

  • the invention relates to a service payment technology in the field of communication, in particular to a method, a system and a service platform for realizing payment for a communication terminal service. Background technique
  • Current payment methods for wireless communication terminals include prepaid and postpaid.
  • the prepaid fee is that the user must pay the fee in advance before using the service, and the fee is actually deducted after the user successfully uses the service.
  • the bill is paid.
  • the user pays the bill within the prescribed time limit.
  • the user uses the credit to use the service, that is, the service is used first.
  • the fee can be transferred to another account by telephone call or the like.
  • the telephone call cannot be used, and the paid account cannot be transferred.
  • Step 1 The calling mobile terminal initiates a call to the called mobile terminal to establish a call connection for the call; Step 2, the calling mobile terminal sends a call transfer request to apply the call related fee to the called mobile Terminal; Step 3: If the called mobile terminal accepts the call transfer request, perform a call forwarding operation to apply the call related fee to the called mobile terminal, and if the called mobile terminal rejects the call transfer request, maintain the call related fee Applied to the calling mobile terminal.
  • the calling mobile terminal If the calling mobile terminal is in arrears, the calling call cannot be initiated, and the transfer of the paid account cannot be realized. Furthermore, the caller applies the call related fee to the called mobile terminal, and there is a possibility that the called party will be unreasonably damaged due to the maliciousness of the calling party.
  • the technical problem to be solved by the present invention is to provide a method, system and service platform for realizing the payment of the communication terminal service, which enables the user to transfer the fee to other accounts when the prepaid or postpaid conditions are not met, thereby ensuring that the user can still use the Call business.
  • the present invention provides a method for realizing payment for a communication terminal service, the method comprising:
  • the communication terminal transmits the transfer account information input by the user to realize the service payment to the service platform;
  • the communication terminal After the service platform learns the transfer account information of the communication terminal, the communication terminal is notified after confirming that the transfer account in the transfer account information is available, and the account information of the communication terminal bound with the transferred account information is sent to the billing center. .
  • the method also includes:
  • the communication terminal After receiving the notification from the service platform, the communication terminal initiates a call request to the MSC;
  • the MSC obtains the account information of the communication terminal from the charging center, allows the communication terminal to initiate a call after confirming that the transfer account is available, and transmits the recorded call time to the charging center after the call ends;
  • the billing center deducts the corresponding fee from the balance of the transfer account of the communication terminal according to the call time, and then returns the account balance information to the service platform;
  • the service platform saves the account balance information received in the corresponding transfer account of the user database. After the service platform learns the transfer account information of the communication terminal, the steps of notifying the communication terminal after confirming that the transfer account in the transfer account information is available include:
  • the communication terminal sends the account information containing the transferred account information to the service platform by using the first short message
  • the service platform parses the received first short message, confirms that it is a short message of the transfer account of the payment account, searches for the corresponding transfer account information in the user database according to the transfer account verification information extracted therefrom, and confirms that the corresponding transfer account is legal and available. After the balance, the account confirmation information is returned to the communication terminal through the second short message.
  • the first short message includes:
  • the first short message header check data and the first short message tail check data are used to match the format check of the first specific short message
  • Transfer account verification information used to transfer the transfer account information including the transfer account name and the check password
  • the second short message includes:
  • the payment account transfer confirmation information is used to transmit the payment account transfer success information of the communication terminal user.
  • the steps of notifying the communication terminal after confirming that the transfer account in the transfer account information is available include:
  • the communication terminal transmits the account information including the transfer account information to the service platform through the first unstructured supplementary service data (USSD) message;
  • the service platform parses the received first USSD message, confirms that the USSD message of the transfer account of the payment account, searches for the corresponding transfer account information in the user database according to the transfer account verification information extracted therefrom, and confirms that the corresponding transfer account is legal and available. After the balance, the account confirmation information is returned to the communication terminal through the second USSD message;
  • the user of the communication terminal uses the dual tone multi-frequency (DTMF) voice to inform the service platform of the transfer account information, and learns the confirmation of the transfer account by the service platform.
  • DTMF dual tone multi-frequency
  • the step of the communication terminal transmitting the user-transferred transfer account information input by the user to the service platform includes:
  • the communication terminal provides an interface for inputting account information when the user needs to implement the transfer account paying call, and the interface includes at least an input of the transfer account name and the check password; and the input account is input after the user completes the input on the interface. Information is transmitted to the business platform.
  • the present invention provides a system for realizing payment for a communication terminal service, the system comprising a communication terminal, a service platform, and a billing center.
  • the communication terminal is configured to: notify the service platform of the transfer account information of the service input by the user; and initiate a call request after receiving the notification of the service platform;
  • the service platform is configured to: after knowing the transfer account information of the communication terminal, notify the communication terminal after confirming that the transfer account of the transfer account information is available, and send the account information of the communication terminal bound with the transfer account information to the billing center;
  • the billing center is set to: save the account information of the communication terminal to which the transfer account information is bound. Also included is the Mobile Switching Center (MSC), where:
  • the MSC is configured to: after receiving the call request of the communication terminal, transmit the recorded call time to the charging center after the communication call is obtained from the charging center;
  • the billing center is further configured to: deduct the corresponding fee from the balance of the transfer account of the communication terminal according to the calling time, and then return the account balance information to the service platform;
  • the service platform is also set to: Save the received account balance information under the corresponding transfer account in the user database.
  • the service platform is further configured to: interact with the communication terminal by using any one of a short message, an unstructured supplementary service data (USSD) message, and a dual tone multi-frequency (DTMF) voice to obtain account information of the communication terminal, according to the The transfer account name and the check password information extracted in the account information are searched for corresponding transfer account information in the user database, and after confirming that the corresponding transfer account is legal and the available balance is available, the communication terminal is notified.
  • a short message an unstructured supplementary service data (USSD) message, and a dual tone multi-frequency (DTMF) voice
  • USB unstructured supplementary service data
  • DTMF dual tone multi-frequency
  • the communication terminal is further configured to: provide an interface for inputting account information when the user needs to implement the transfer account paying call, the interface includes at least an input of transferring the account name and the verification password; and inputting the input after the user completes the input on the interface
  • the account information is transmitted to the business platform.
  • the present invention provides a service platform for realizing payment for a communication terminal service, where the service platform includes a message processing module and a user database system.
  • the message processing module is configured to: receive, store, and parse the first message sent by the communication terminal and/or the signaling message sent by the charging center, and output the account information parsed from the first message and/or the signaling message to the user database. After receiving the account confirmation instruction of the user database system, sending a second message confirming the transfer account to the communication terminal;
  • the user database system is set to: save the account information of the communication terminal, and output an account confirmation indication to the message processing module after querying and confirming that the transfer account in the account information is available.
  • the message processing module includes a message receiving/transmitting module, a storage module, and a message parsing module, and the message receiving/transmitting module is configured to: output the received first message and/or signaling message to the storage module; according to the account input from the user database system Confirming the indication, sending a second message confirming the transfer account to the communication terminal;
  • the storage module is configured to: store and transmit the first message and/or the signaling message to the message parsing module;
  • the message parsing module is configured to: perform message type confirmation and content analysis on the first message and/or the signaling message, and output the parsed account information to the user database system.
  • the user database system includes an account information inquiry module, an account information storage module, and an account confirmation module.
  • the account information query module is configured to: query the legality of the transfer account and the balance information in the account information output by the message parsing module, and transmit the query result to the account information saving module;
  • the account information saving module is configured to: save the binding relationship of the account information obtained according to the query result in the user database, and transmit the query result to the account confirmation module;
  • the account confirmation module is set to: according to the query result, after confirming that the transfer account is legal and the balance is available, the account confirmation indication is output to the message receiving/sending module.
  • the first message includes any of a short message or an unstructured supplementary service data (USSD) message.
  • USB unstructured supplementary service data
  • the method, the system and the service platform for realizing the payment of the communication terminal service by the invention when the current account of the communication terminal user does not meet the prepaid or postpaid condition, transfers the current account transfer call to the other account through the specific message and the service platform, Thereby ensuring that the user is on the communication terminal Implement the call.
  • FIG. 1 is a flow chart of a method for implementing payment of a communication terminal service according to the present invention
  • FIG. 2 is a schematic diagram of a format of a first short message sent by a communication terminal to a service platform according to the present invention
  • FIG. 3 is a communication platform of the service platform of the present invention.
  • FIG. 4 is a schematic structural diagram of an embodiment of a system for implementing payment for a communication terminal service according to the present invention
  • FIG. 5 is a schematic structural diagram of an embodiment of a service platform for implementing payment for a communication terminal service according to the present invention.
  • the process of the method for implementing payment for a communication terminal service includes the following steps:
  • the user inputs account information including the transfer account name and password on the communication terminal; when the user wants to use the communication terminal to implement the paid call, the communication terminal first provides the user with an interface for inputting the transfer account identity information, including inputting the transfer account name and password.
  • the random check code, etc. wherein the random check code has timeliness, and is used to prevent the user account from being stolen by the user when the communication terminal stays in the interface for a long time after the user inputs the account name and password.
  • the communication terminal sends the account information input by the user to the service platform by using the first short message. After the user inputs the account information, the communication terminal sends the account information input by the user to the service platform by using the first short message.
  • the structure of the first short message is as shown in FIG. 2, and includes first short message header check data, current account information, transfer account check information, and first short message tail check data, where:
  • the first short message header verification data is used for format verification of the first short message of the communication terminal;
  • Current account information used to transfer current account information;
  • the transfer account verification information is used to transmit the verification information such as the user name and password of the transfer account; the first short message tail check data is used to match the short message header verification information, and the first short message of the communication terminal is formatted. Test to enhance the security of SMS transmission.
  • the first short message in the above format may be a network management short message or other types of short messages.
  • the format of the first short message can also be changed by the service platform through a short message.
  • the service platform parses the account information from the first short message, and queries and confirms whether the transfer account is available;
  • the service platform parses the received first format short message, confirms that it is a short message of the payment account transfer account, extracts the current account information and the transfer account verification information, and searches for the transfer account user name and password in the user database system. Transfer account information to confirm that the account is legal and that there is a balance available.
  • the transfer account can be an account registered by the user at the service provider or another account identifiable by the user database system.
  • the transfer account information may be the legality of the account and its balance information, or other information that needs to be used for account transfer billing.
  • the service platform After confirming that the payment transfer account is available, the service platform encapsulates the confirmation information into a second short message and sends it back to the communication terminal, and sends the account binding information to the charging center;
  • the structure of the second short message encapsulated by the service platform is as shown in FIG. 3, and includes second short message header check data, payment account transfer confirmation information, and second short message tail check data, where:
  • the second short message header verification data is used for format verification of the second short message of the service platform; and the payment account transfer confirmation information is used for transmitting the payment account transfer success information;
  • the second short message tail check data is used to match the header check information, and the second short message of the service platform is formatted to enhance the security of the short message transmission.
  • the binding information of the current account and the transfer account is sent to the billing center.
  • the communication terminal initiates a call after confirming that the transfer account information is legal;
  • the communication terminal After receiving the payment account transfer confirmation message sent back by the service platform, the communication terminal confirms that the call has been obtained. To the permission of the network, a call request message is sent to the Mobile Switching Center (MSC).
  • MSC Mobile Switching Center
  • the MSC obtains account information from the billing center, allows the communication terminal to initiate a call after confirming that the transfer account is available, and transmits the recorded call time to the billing center after the call ends;
  • the charging center deducts the corresponding fee from the balance of the transfer account of the communication terminal according to the calling time, and then returns the account balance information to the service platform for saving.
  • the communication terminal may select to clear the stored current transfer account information by the user, or automatically perform the clearing after the communication terminal is allowed to stand for a period of time.
  • the communication terminal and the service platform interact through a specific short message mode, and the service platform returns the account confirmation information to the communication terminal after learning the transfer account information of the communication terminal.
  • the present invention can also exemplify an embodiment in which a communication terminal interacts with a service platform in other manners, such as an Unstructured Supplementary Service Data (USSD) message mode, that is, a communication terminal and a service platform.
  • a communication terminal interacts with a service platform in other manners, such as an Unstructured Supplementary Service Data (USSD) message mode, that is, a communication terminal and a service platform.
  • USB Unstructured Supplementary Service Data
  • the message may be used to interact, so that both parties obtain the necessary information; or, the communication terminal uses Dual Tone Multi Frequency (DTMF) voice to the service platform.
  • DTMF Dual Tone Multi Frequency
  • a request is made to inform the business platform of the transfer account information.
  • the above is an example of a telephone call service performed by a user of a communication terminal.
  • the method, system and service platform for paying for a communication terminal service of the present invention can also be extended to other services, such as a short message service, an online service, and the like.
  • FIG. 4 it is a structure of a system embodiment for implementing payment for a communication terminal service according to the present invention.
  • the system includes a communication terminal, a service platform, a billing center, and an MSC, where:
  • the communication terminal is configured to send the account information input by the user to the service platform by using the first short message, and send the call request message to the MSC after receiving the second short message of the transfer account confirmed by the service platform.
  • the structure of the first short message sent by the communication terminal to the service platform is as shown in FIG. 2, including the first short message header check data, the current account information, the transfer account check information, and the first short message tail check. Data.
  • the service platform is configured to parse the account information from the first short message, and after querying and confirming that the transfer account is available, the confirmation information is encapsulated into a second short message and returned to the communication terminal, and the account binding information is sent to the Fee center; save the account balance information after the communication terminal returned by the billing center.
  • the structure of the second short message returned by the service platform to the communication terminal is as shown in FIG. 3, and includes second short message header verification data, payment account transfer confirmation information, and second short message tail verification data.
  • the service platform sends the binding information of the current account and the transfer account of the communication terminal to the billing center.
  • the charging center is configured to send the account information of the communication terminal to the MSC according to the request of the MSC; deduct the corresponding fee from the transfer account according to the call time transmitted by the MSC, and then return the account balance information to the service platform.
  • the MSC is configured to request, after receiving the call request message of the communication terminal, obtain the call from the charging center, and transmit the recorded call time to the charging center after the call ends.
  • the communication terminal and the service platform interact with a specific short message mode
  • the present invention can also exemplify an embodiment in which the two interact with each other, such as the USSD message mode and DTMF mentioned above. Voice mode.
  • FIG. 5 is a diagram showing the structure of an embodiment of a service platform for implementing payment for a communication terminal service according to the present invention.
  • the service platform includes a message processing module and a user database system, wherein:
  • a message processing module configured to receive, store, and parse the first short message sent by the communication terminal and/or the signaling message sent by the charging center, and output the account information parsed from the first short message and/or the signaling message to The user database system; after receiving the account confirmation instruction of the user database system, sends a second short message confirming the transfer account to the communication terminal.
  • the user database system is configured to save user account information, and output an account confirmation indication to the message processing module after querying and confirming that the transfer account is available.
  • the user account information saved by the user database system includes current account information and transfer account verification information parsed by the message processing module from the first short message, and/or parsed from the signaling message. Account balance information after the call.
  • the message processing module in addition to receiving, storing, and parsing the first short message sent by the communication terminal, can receive, store, and parse the USSD message sent by the communication terminal, and parse out the USSD message.
  • the account information is output to the user database system; after receiving the account confirmation instruction of the user database system, the USSD message confirming the transfer account is sent to the communication terminal.
  • the message processing module in FIG. 5 further includes a message receiving/transmitting module, a storage module, and a message parsing module, wherein:
  • a message receiving/transmitting module configured to output the received first short message and/or signaling message to the storage module; send, according to an account confirmation indication input from the user database system, a second short message confirming the transfer account to the communication terminal;
  • a storage module configured to store and transmit the first short message and/or the signaling message to the message parsing module
  • the message parsing module is configured to perform message type confirmation and content parsing on the first short message and/or the signaling message, and output the parsed account information to the user database system.
  • the message parsing module confirms the short message type according to the first short message header and the tail check data shown in FIG. 2, and parses the account information including the current account information and the transfer account verification information from the short message. Alternatively, the message parsing module parses the account balance information after the user calls from the signaling message.
  • the short message received by the short message receiving/sending module to the communication terminal confirms the transfer of the account, and its structure is as shown in FIG. 3.
  • the user database system in FIG. 5 further includes an account information inquiry module, an account information storage module, and an account confirmation module, wherein:
  • the account information query module is configured to query the legality and balance of the transferred account in the account information output by the message parsing module, and transmit the query result to the account information saving module;
  • the account information saving module is configured to save the account information binding relationship obtained according to the query result in the user database system, and further transmit the query result to the account confirmation module;
  • the account confirmation module is configured to output an account confirmation indication to the message receiving/sending module after confirming the transfer account availability according to the query result. Confirm the availability of the transfer account, including but not limited to confirming that the transfer account is legal and whether a balance is available.
  • the present invention through the above-mentioned method, system and service platform for realizing payment of a communication terminal service, when the current account of the communication terminal user does not satisfy the prepaid or postpaid condition, transfers the current account transfer call fee to the user through a specific message and service platform. Other accounts, thereby ensuring that the user implements the call on the communication terminal.

Abstract

本发明披露了一种实现通讯终端业务付费的方法、系统及业务平台，该方法包括：通讯终端向业务平台传输用户输入的实现业务付费的转移账户信息；业务平台获知通讯终端的转移账户信息后，在确认该转移账户信息中的转移账户可用后通知所述通讯终端，并将绑定有转移账户信息的所述通讯终端的账户信息发送给计费中心。本发明在通讯终端用户当前账户不满足预付费或后付费条件时，通过特定消息及业务平台将用户当前账户转移呼叫费用到其他账户，从而保证用户在该通讯终端上实现呼叫。

Description

实现通讯终端业务付费的方法、 系统及业务平台
技术领域
本发明涉及通讯领域的业务付费技术， 尤其涉及实现通讯终端业务付费 的方法、 系统及业务平台。 背景技术
目前无线通讯终端的付费方式包括预付费和后付费。 其中， 预付费是用 户在使用业务之前必须预先支付费用， 该费用在用户成功使用业务之后再给 予实际的扣除。 后付费则是账单付费， 用户收到账单后在规定期限内缴费， 用户依靠信用度使用业务， 即先使用业务后付款。 当用户需要使用用户数据 库中的其他账户支付当前业务费用时， 可以通过电话呼叫等方式将费用转移 至其他账户。 但当用户当前账户无预先支付的费用或用户无信用度（即收到 账单后在规定期限内未缴费） 时， 电话呼叫无法使用， 付费账户无法转移。
如专利申请号为： CN200710001931 , 发明名称为 "移动通信终端之间呼 叫费用转移的方法"，该专利公开了一种用于在移动终端之间转移呼叫费用的 移动终端和方法， 包括以下几个步骤： 步骤一， 主叫移动终端向被叫移动终 端发起呼叫， 以建立用于通话的呼叫连接； 步骤二， 由主叫移动终端发送呼 叫转移请求， 以将呼叫相关的费用施加在被叫移动终端； 步骤三， 如果被叫 移动终端接受呼叫转移请求， 则执行将呼叫相关的费用施加在被叫移动终端 的呼叫转移操作， 如果被叫移动终端拒绝呼叫转移请求， 则保持将呼叫相关 的费用施加在主叫移动终端。 若主叫移动终端欠费， 则无法发起主叫呼叫， 从而无法实现付费账户转移。 再有， 由主叫将呼叫相关的费用施加在被叫移 动终端做法， 存在着因主叫的恶意导致被叫无端受损的可能。
可见在目前的技术中， 当预先付费的用户当前账户无预先支付的费用或 后付费的用户无信用度时 ,难以主动控制使得用户能将费用转移到其他账户 , 从而无法保证用户在不满足预付费或后付费条件时仍能使用呼叫业务。 发明内容
本发明所要解决的技术问题是提供一种实现通讯终端业务付费的方法、 系统及业务平台， 能够使得用户在不满足预付费或后付费条件时将费用转移 到其他账户， 从而保证用户仍能使用呼叫业务。
为了解决上述技术问题， 本发明提供了一种实现通讯终端业务付费的方 法， 该方法包括：
通讯终端向业务平台传输用户输入的实现业务付费的转移账户信息； 以 及
业务平台获知通讯终端的转移账户信息后， 在确认该转移账户信息中的 转移账户可用后通知所述通讯终端， 并将绑定有转移账户信息的所述通讯终 端的账户信息发送给计费中心。
该方法还包括：
通讯终端得到业务平台的通知后， 向 MSC发起呼叫请求；
MSC从所述计费中心获取通讯终端的账户信息，在确认所述转移账户可 用后允许通讯终端发起呼叫； 在呼叫结束后将记录的呼叫时间传输给计费中 心；
计费中心根据呼叫时间从所述通讯终端的转移账户的余额中扣除相应的 费用， 然后将账户余额信息返回给业务平台； 以及
业务平台将收到的账户余额信息保存在用户数据库相应的转移账户下。 业务平台获知通讯终端的转移账户信息后， 在确认转移账户信息中的转 移账户可用后通知通讯终端的步骤包括：
通讯终端通过第一短消息将含有转移账户信息的账户信息发送至业务平 台； 以及
业务平台解析接收的第一短消息，确认是付费账户的转移账户的短消息， 根据从中提取的转移账户校验信息在用户数据库中查找相应的转移账户信 息， 确认相应的转移账户合法且有可用余额后， 通过第二短消息将账户确认 信息返回给通讯终端。 第一短消息包括：
第一短消息头校验数据和第一短消息尾校验数据， 用于匹配进行第一特 定短消息的格式校验；
当前账户信息， 用于传输通讯终端用户的当前账户信息； 以及
转移账户校验信息， 用于传输包括转移账户名称及校验密码的转移账户 信息；
第二短消息包括：
第二短消息头校验数据和第二短消息尾校验数据， 用于匹配进行第二短 消息的格式校验； 以及
付费账户转移确认信息， 用于传输通讯终端用户的付费账户转移成功信 息。
业务平台获知通讯终端的转移账户信息后， 在确认转移账户信息中的转 移账户可用后通知通讯终端的步骤包括：
通讯终端通过第一非结构化补充业务数据（USSD )消息将含有转移账 户信息的账户信息发送至业务平台； 以及
业务平台解析接收的第一 USSD 消息， 确认是付费账户的转移账户的 USSD 消息， 根据从中提取的转移账户校验信息在用户数据库中查找相应的 转移账户信息， 确认相应的转移账户合法且有可用余额后， 通过第二 USSD 消息将账户确认信息返回给通讯终端；
或者，
通讯终端的用户釆用双音多频 （DTMF )语音将转移账户信息告知业务 平台， 并获知业务平台对该转移账户的确认。
通讯终端向业务平台传输用户输入的实现业务付费的转移账户信息的步 骤包括：
通讯终端得知用户需要实现转移账户付费呼叫时， 提供输入账户信息的 界面， 所述界面至少包括转移账户名称和校验密码的输入； 在用户完成在该 界面上的输入后将所输入的账户信息传输给业务平台。 为了解决上述技术问题， 本发明提供了一种实现通讯终端业务付费的系 统， 该系统包括通讯终端、 业务平台以及计费中心，
通讯终端设置为：将用户输入的业务付费的转移账户信息告知业务平台； 在得到业务平台的通知后发起呼叫请求；
业务平台设置为： 在获知通讯终端的转移账户信息后， 在确认该转移账 户信息的转移账户可用后通知通讯终端， 并将绑定有转移账户信息的通讯终 端的账户信息发送给计费中心；
计费中心设置为： 保存绑定有该转移账户信息的通讯终端的账户信息。 还包括移动交换中心 （MSC ) , 其中：
MSC设置为： 在收到所述通讯终端的呼叫请求后， 从计费中心获取通讯 呼叫结束后将记录的呼叫时间传输给计费中心；
计费中心还设置为： 根据呼叫时间从通讯终端的转移账户的余额中扣除 相应的费用， 然后将账户余额信息返回给业务平台；
业务平台还设置为： 将收到的账户余额信息保存在用户数据库相应的转 移账户下。
业务平台还设置为： 与通讯终端通过短消息、 非结构化补充业务数据 ( USSD )消息以及双音多频（DTMF )语音中的任意一种方式进行交互， 得 到通讯终端的账户信息， 根据从该账户信息中提取的转移账户名称和校验密 码信息在用户数据库中查找相应的转移账户信息， 确认相应的转移账户合法 且有可用余额后， 通知通讯终端。
通讯终端还设置为： 得知用户需要实现转移账户付费呼叫时， 提供输入 账户信息的界面， 该界面至少包括转移账户名称和校验密码的输入； 在用户 完成在该界面的输入后将所输入的账户信息传输给业务平台。
为了解决上述技术问题， 本发明提供了一种实现通讯终端业务付费的业 务平台， 所述业务平台包括消息处理模块和用户数据库系统， 消息处理模块设置为： 接收、 存储及解析通讯终端发送的第一消息和 /或 计费中心发送的信令消息， 将从第一消息和 /或信令消息解析出的账户信息输 出给用户数据库系统； 在收到用户数据库系统的账户确认指示后， 向通讯终 端发送确认转移账户的第二消息；
用户数据库系统设置为： 保存通讯终端的账户信息， 在查询并确认所述 账户信息中的转移账户可用后向消息处理模块输出账户确认指示。
消息处理模块包括消息接收 /发送模块、 存储模块以及消息解析模块， 消息接收 /发送模块设置为：将接收的第一消息和 /或信令消息输出给存储 模块； 根据从用户数据库系统输入的账户确认指示， 向通讯终端发送确认转 移账户的第二消息；
存储模块设置为： 将第一消息和 /或信令消息进行存储并传输给消息解析 模块；
消息解析模块设置为： 对第一消息和 /或信令消息进行消息类型确认及内 容解析， 将解析出的账户信息输出给用户数据库系统。
用户数据库系统包括账户信息查询模块、 账户信息保存模块以及账户确 认模块，
账户信息查询模块设置为： 查询消息解析模块输出的账户信息中转移账 户的合法性及其余额信息， 并将查询结果传输给账户信息保存模块；
账户信息保存模块设置为： 将根据查询结果获取的账户信息的绑定关系 保存在用户数据库， 同时将该查询结果传输给账户确认模块；
账户确认模块设置为： 根据该查询结果在确认转移账户合法且有余额可 用后， 将账户确认指示输出给消息接收 /发送模块。
第一消息包括短消息或非结构化补充业务数据（USSD )消息中的任意 一种。
本发明通过上述实现通讯终端业务付费的方法、 系统及业务平台， 在通 讯终端用户当前账户不满足预付费或后付费条件时， 通过特定消息及业务平 台将用户当前账户转移呼叫费用到其他账户， 从而保证用户在该通讯终端上 实现呼叫。
附图概述
图 1是本发明的实现通讯终端业务付费的方法实施例的流程图； 图 2是本发明的通讯终端向业务平台发送的第一短消息的格式示意图； 图 3是本发明的业务平台向通讯终端返回的第二短消息的格式示意图； 图 4是本发明的实现通讯终端业务付费的系统实施例的结构示意图； 图 5 是本发明的实现通讯终端业务付费的业务平台实施例的结构示意 图。
本发明的较佳实施方式
下面结合附图和优选实施例对本发明的技术方案作进一步详细的说明。 以下例举的实施例仅仅用于说明和解释本发明， 而不构成对本发明技术方案 的限制。
如图 1所示， 是本发明提供的实现通讯终端业务付费的方法实施例的流 程， 包括如下步骤：
110, 用户在通讯终端上输入含有转移账户名和密码的账户信息； 当用户要使用通讯终端实现付费呼叫时， 该通讯终端首先为用户提供输 入转移账户身份信息的界面， 包括输入转移账户名、 密码及随机校验码等， 其中随机校验码具有时效性， 用于避免用户输入转移账户名、 密码后通讯终 端长时间停留在该界面时用户账户被他人盗用。
120, 通讯终端通过第一短消息将用户输入的账户信息发送至业务平台； 待用户输入账户信息后， 通讯终端通过第一短消息将用户输入的账户信 息发送至业务平台。 该第一短消息的结构如图 2所示， 包括第一短消息头校 验数据、 当前账户信息、 转移账户校验信息以及第一短消息尾校验数据， 其 中：
第一短消息头校验数据， 用于对通讯终端第一短消息的格式校验； 当前账户信息， 用于传输当前账户信息；
转移账户校验信息， 用于传输转移账户的用户名、 密码等校验信息； 第一短消息尾校验数据， 用于与短信头校验信息匹配， 对通讯终端第一 短消息进行格式校验， 以增强短信传输的安全性。
使用上述格式的第一短消息， 可以是网管短消息， 也可以是其他类型短 消息。 该第一短消息的格式也可由业务平台通过短消息进行更改。
130, 业务平台从第一短消息中解析出账户信息， 查询并确认其中的转移 账户是否可用；
业务平台对收到的第一格式短消息进行解析， 确认是付费账户转移账户 的短消息， 从中提取出当前账户信息和转移账户校验信息， 并在用户数据库 系统中根据转移账户用户名和密码查找转移账户信息， 确认账户是否合法且 是否有可用余额。
转移账户可以是用户在服务提供商处注册的账户， 也可以是用户数据库 系统可识别的其他账户。转移账户信息可以是该账户的合法性及其余额信息， 也可以是账户转移计费需要使用的其它信息。
140, 业务平台确认付费转移账户可用后， 将确认信息封装成第二短消息 发回给通讯终端， 同时将账户绑定信息发送至计费中心；
业务平台封装成的第二短消息的结构如图 3所示， 包括第二短消息头校 验数据、 付费账户转移确认信息以及第二短消息尾校验数据， 其中：
第二短消息头校验数据， 用于对业务平台第二短消息的格式校验； 付费账户转移确认信息， 用于传输付费账户转移成功信息；
第二短消息尾校验数据， 用于与头校验信息匹配， 对业务平台第二短消 息进行格式校验， 以增强短信传输的安全性。
业务平台确认付费转移账户可用后， 将当前账户与转移账户的绑定信息 发给计费中心。
150, 通讯终端确认转移账户信息合法后发起呼叫；
通讯终端收到业务平台发回的付费账户转移确认信息后， 确认呼叫已得 到网络端的允许， 向移动交换中心 （Mobile Switching Center, MSC )发送呼 叫请求消息。
160 , MSC从计费中心获取账户信息， 在确认转移账户可用后允许通讯 终端发起呼叫， 并在呼叫结束后将记录的呼叫时间传输给计费中心；
170:计费中心根据呼叫时间从通讯终端转移账户的余额中扣除相应的费 用， 然后将账户余额信息返回给业务平台保存。
通讯终端在呼叫结束后，可以由用户选择清除存储的当前转移账户信息 , 也可在通讯终端静置一段时间后自动进行该清除。
在以上实施例中，通讯终端与业务平台是通过特定短消息方式进行交互 , 业务平台在获知通讯终端的转移账户信息后将账户确认信息返回给通讯终 端。
本发明还可以例举出通讯终端与业务平台釆用其它方式进行交互的实施 例， 譬如釆用非结构化补充业务数据 ( Unstructured Supplementary Service Data, USSD )消息方式， 即通讯终端与业务平台当要实现协议未规定的定制 业务时， 可使用此消息方式进行交互， 使得双方各自获取必要的信息； 或者， 通讯终端釆用双音多频（Dual Tone Multi Frequency, DTMF )语音的方式， 向业务平台发出请求， 将转移账户信息告知业务平台。
以上是以通讯终端的用户进行电话呼叫业务为实施例， 实际上本发明的 通讯终端业务付费的方法、 系统及业务平台还可以引申到其它业务上， 譬如 短信业务、 上网业务等等。
如图 4所示， 是本发明的实现通讯终端业务付费的系统实施例的结构， 该系统包括通讯终端、 业务平台、 计费中心以及 MSC, 其中：
通讯终端，用于通过第一短消息将用户输入的账户信息发送至业务平台， 并在收到业务平台确认转移账户的第二短消息后， 向 MSC发送呼叫请求消 息。
通讯终端发送给业务平台的第一短消息的结构如图 2所示， 包括第一短 消息头校验数据、 当前账户信息、 转移账户校验信息以及第一短消息尾校验 数据。
业务平台， 用于从第一短消息中解析出账户信息， 在查询并确认其中的 转移账户可用后， 将确认信息封装成第二短消息返回给通讯终端， 同时将账 户绑定信息发送至计费中心； 将计费中心返回的通讯终端通话后的账户余额 信息保存。
业务平台返回给通讯终端的第二短消息的结构如图 3所示， 包括第二短 消息头校验数据、 付费账户转移确认信息以及第二短消息尾校验数据。
业务平台将通讯终端当前账户与转移账户的绑定信息发给计费中心。 计费中心， 用于根据 MSC的请求将通讯终端的账户信息发送给 MSC; 根据 MSC传输的呼叫时间从转移账户上扣除相应的费用，然后将账户余额信 息返回给业务平台。
MSC, 用于在收到通讯终端呼叫请求消息后， 从计费中心请求获取到该 叫， 并在呼叫结束后将记录的呼叫时间传输给计费中心。
当然， 除了上述系统实施例通讯终端与业务平台釆用特定短消息方式进 行交互外， 本发明还可以例举出二者釆用其它方式进行交互的实施例， 譬如 前面提到 USSD消息方式和 DTMF语音方式。
图 5表示出本发明的实现通讯终端业务付费的业务平台实施例的结构， 该业务平台包括消息处理模块和用户数据库系统， 其中：
消息处理模块， 用于接收、 存储及解析通讯终端发送的第一短消息和 /或 计费中心发送的信令消息， 将从第一短消息和 /或信令消息解析出的账户信息 输出给用户数据库系统； 在收到用户数据库系统的账户确认指示后， 向通讯 终端发送确认转移账户的第二短消息。
用户数据库系统， 用于保存用户账户信息， 在查询并确认其中转移账户 的可用后向消息处理模块输出账户确认指示。
用户数据库系统保存的用户账户信息包括消息处理模块从第一短消息中 解析出的当前账户信息和转移账户校验信息， 和 /或从信令消息中解析出的用 户通话后的账户余额信息。
当然， 类似地在其它实施例里， 消息处理模块除了接收、 存储及解析通 讯终端发送的第一短消息外，还可以接收、存储及解析通讯终端发送的 USSD 消息， 将从该 USSD消息解析出的账户信息输出给用户数据库系统； 在收到 用户数据库系统的账户确认指示后， 向通讯终端发送确认转移账户的 USSD 消息。
图 5中的消息处理模块进一步包括消息接收 /发送模块、 存储模块以及消 息解析模块， 其中：
消息接收 /发送模块，用于将接收的第一短消息和 /或信令消息输出给存储 模块； 根据从用户数据库系统输入的账户确认指示， 向通讯终端发送确认转 移账户的第二短消息；
存储模块， 用于将第一短消息和 /或信令消息进行存储并传输给消息解析 模块；
消息解析模块， 用于对第一短消息和 /或信令消息进行消息类型确认及内 容解析， 将解析出的账户信息输出给用户数据库系统。
消息解析模块根据图 2中所示的第一短信头、 尾校验数据确认短消息类 型， 并从该短消息中解析出包含当前账户信息和转移账户校验信息的账户信 息。 或者， 消息解析模块从信令消息中解析出用户通话后的账户余额信息。
短消息接收 /发送模块向通讯终端发送的确认转移账户的第二短消息， 其 结构如图 3所示。
图 5中的用户数据库系统进一步包括账户信息查询模块、 账户信息保存 模块以及账户确认模块， 其中：
账户信息查询模块， 用于查询消息解析模块输出的账户信息中转移账户 的合法性及其余额， 并将查询结果传输给账户信息保存模块；
账户信息保存模块， 用于将根据查询结果获取的账户信息绑定关系保存 在用户数据库系统， 并将查询结果继续传输给账户确认模块；
账户确认模块， 用于根据查询结果在确认转移账户可用性后， 将账户确 认指示输出给消息接收 /发送模块。 确认转移账户的可用性， 包括但不限于确认转移账户是否合法， 以及是 否有余额可用。
当然， 本发明还可有多种实施方式， 在不背离本发明精神及其实质的情 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， 均应包含 在本发明的保护范围之内。
工业实用性 本发明通过上述实现通讯终端业务付费的方法、 系统及业务平台， 在通 讯终端用户当前账户不满足预付费或后付费条件时， 通过特定消息及业务平 台将用户当前账户转移呼叫费用到其他账户， 从而保证用户在该通讯终端上 实现呼叫。

Claims

权 利 要 求 书
1、 一种实现通讯终端业务付费的方法， 该方法包括：
通讯终端向业务平台传输用户输入的实现业务付费的转移账户信息； 以 及
业务平台获知所述通讯终端的转移账户信息后， 在确认所述转移账户信 息中的转移账户可用后通知所述通讯终端， 并将绑定有所述转移账户信息的 所述通讯终端的账户信息发送给计费中心。
2、 按照权利要求 1所述的方法， 该方法还包括：
所述通讯终端得到所述业务平台的通知后， 向移动交换中心 （MSC )发 起呼叫请求；
所述 MSC从所述计费中心获取所述通讯终端的账户信息 ,在确认所述转 移账户可用后允许所述通讯终端发起呼叫； 在呼叫结束后将记录的呼叫时间 传输给所述计费中心；
所述计费中心根据所述呼叫时间从所述通讯终端的转移账户的余额中扣 除相应的费用， 然后将账户余额信息返回给所述业务平台； 以及
所述业务平台将收到的所述账户余额信息保存在用户数据库系统相应的 转移账户下。
3、 按照权利要求 2所述的方法， 其中， 所述业务平台获知通讯终端的转 移账户信息后， 在确认所述转移账户信息中的转移账户可用后通知所述通讯 终端的步骤包括：
所述通讯终端通过第一短消息将含有所述转移账户信息的账户信息发送 至所述业务平台； 以及
所述业务平台解析接收的所述第一短消息， 确认是付费账户的转移账户 的短消息， 根据从中提取的转移账户校验信息在用户数据库系统中查找相应 的转移账户信息， 确认相应的转移账户合法且有可用余额后， 通过第二短消 息将所述账户确认信息返回给所述通讯终端。
4、 按照权利要求 3所述的方法， 其中， 所述第一短消息包括：
第一短消息头校验数据和第一短消息尾校验数据， 用于匹配进行所述第 一特定短消息的格式校验；
当前账户信息， 用于传输所述通讯终端用户的当前账户信息； 以及 转移账户校验信息， 用于传输包括转移账户名称及校验密码的所述转移 账户信息；
所述第二短消息包括：
第二短消息头校验数据和第二短消息尾校验数据， 用于匹配进行所述第 二短消息的格式校验； 以及
付费账户转移确认信息， 用于传输所述通讯终端用户的付费账户转移成 功信息。
5、 按照权利要求 2所述的方法， 其中， 所述业务平台获知通讯终端的转 移账户信息后， 在确认所述转移账户信息中的转移账户可用后通知所述通讯 终端的步骤包括：
所述通讯终端通过第一非结构化补充业务数据（USSD )消息将含有转 移账户信息的账户信息发送至所述业务平台； 以及
所述业务平台解析接收的所述第一 USSD消息， 确认是付费账户的转移 账户的 USSD消息， 根据从中提取的转移账户校验信息在用户数据库系统中 查找相应的转移账户信息， 确认相应的转移账户合法且有可用余额后， 通过 第二 USSD消息将所述账户确认信息返回给所述通讯终端；
或者，
所述通讯终端的用户釆用双音多频 （DTMF )语音将所述转移账户信息 告知所述业务平台， 并获知所述业务平台对该转移账户的确认。
6、 按照权利要求 1至 5任一项所述的方法， 其中， 所述通讯终端向业务 平台传输用户输入的实现业务付费的转移账户信息的步骤包括：
所述通讯终端得知用户需要实现转移账户付费呼叫时， 提供输入账户信 息的界面， 所述界面至少包括转移账户名称和校验密码的输入； 在所述用户 完成在该界面上的输入后将所输入的账户信息传输给所述业务平台。
7、 一种实现通讯终端业务付费的系统， 所述系统包括通讯终端、 业务平 台以及计费中心，
所述通讯终端设置为： 将用户输入的业务付费的转移账户信息告知所述 业务平台； 在得到所述业务平台的通知后发起呼叫请求；
所述业务平台设置为： 在获知通讯终端的转移账户信息后， 在确认所述 转移账户信息的转移账户可用后通知所述通讯终端， 并将绑定有所述转移账 户信息的通讯终端的账户信息发送给所述计费中心；
所述计费中心设置为： 保存所述绑定有所述转移账户信息的通讯终端的 账户信息。
8、按照权利要求 7所述的系统，所述系统还包括移动交换中心（ MSC ) , 所述 MSC设置为： 在收到所述通讯终端的所述呼叫请求后，从所述计费 中心获取所述通讯终端的账户信息， 在确认相应的转移账户可用后允许所述 通讯终端进行所述呼叫； 在所述呼叫结束后将记录的呼叫时间传输给所述计 费中心；
所述计费中心还设置为： 根据所述呼叫时间从所述通讯终端的转移账户 的余额中扣除相应的费用， 然后将账户余额信息返回给所述业务平台；
所述业务平台还设置为： 将收到的所述账户余额信息保存在用户数据库 系统相应的转移账户下。
9、 按照权利要求 7或 8所述的系统， 其中，
所述业务平台还设置为： 与所述通讯终端通过短消息、 非结构化补充业 务数据（USSD )消息以及双音多频（DTMF )语音中的任意一种方式进行交 互， 得到所述通讯终端的账户信息， 根据从所述账户信息中提取的转移账户 名称和校验密码信息在用户数据库系统中查找相应的转移账户信息， 确认相 应的转移账户合法且有可用余额后， 通知所述通讯终端。
10、 按照权利要求 7或 8所述的系统， 其中，
所述通讯终端还设置为： 得知用户需要实现转移账户付费呼叫时， 提供 输入账户信息的界面， 所述界面至少包括所述转移账户名称和所述校验密码 的输入； 在所述用户完成在该界面的输入后将所输入的账户信息传输给所述 业务平台。
11、 一种实现通讯终端业务付费的业务平台， 所述业务平台包括消息处 理模块和用户数据库系统，
所述消息处理模块设置为： 接收、 存储及解析通讯终端发送的第一消息 和 /或计费中心发送的信令消息，将从所述第一消息和 /或信令消息解析出的账 户信息输出给用户数据库系统； 在收到用户数据库系统的账户确认指示后， 向通讯终端发送确认转移账户的第二消息；
所述用户数据库系统设置为： 保存通讯终端的账户信息， 在查询并确认 所述账户信息中的转移账户可用后向所述消息处理模块输出账户确认指示。
12、 按照权利要求 11所述的业务平台， 其中， 所述消息处理模块包括消 息接收 /发送模块、 存储模块以及消息解析模块，
所述消息接收 /发送模块设置为：将接收的第一消息和 /或信令消息输出给 所述存储模块； 根据从所述用户数据库系统输入的所述账户确认指示， 向所 述通讯终端发送确认转移账户的第二消息；
所述存储模块设置为： 将第一消息和 /或信令消息进行存储并传输给消息 解析模块；
所述消息解析模块设置为： 对第一消息和 /或信令消息进行消息类型确认 及内容解析， 将解析出的账户信息输出给用户数据库系统。
13、 按照权利要求 12所述的业务平台， 其中， 所述用户数据库系统包括 账户信息查询模块、 账户信息保存模块以及账户确认模块，
所述账户信息查询模块设置为： 查询所述消息解析模块输出的所述账户 信息中转移账户的合法性及余额信息， 并将查询结果传输给所述账户信息保 存模块；
所述账户信息保存模块设置为： 将根据所述查询结果获取的所述账户信 息的绑定关系保存在用户数据库系统， 同时将所述查询结果传输给账户确认 模块；
所述账户确认模块设置为： 根据所述查询结果在确认所述转移账户合法 且有余额可用后， 将账户确认指示输出给所述消息接收 /发送模块。
14、 按照权利要求 11至 13任一项所述的业务平台， 其中， 所述第一消 息包括短消息或非结构化补充业务数据 （USSD ) 消息中的任意一种。
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