WO2012171418A1 - 增值业务订购及计费的方法、系统及增值业务管理平台 - Google Patents
增值业务订购及计费的方法、系统及增值业务管理平台 Download PDFInfo
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- WO2012171418A1 WO2012171418A1 PCT/CN2012/074922 CN2012074922W WO2012171418A1 WO 2012171418 A1 WO2012171418 A1 WO 2012171418A1 CN 2012074922 W CN2012074922 W CN 2012074922W WO 2012171418 A1 WO2012171418 A1 WO 2012171418A1
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Classifications
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L12/00—Data switching networks
- H04L12/02—Details
- H04L12/14—Charging, metering or billing arrangements for data wireline or wireless communications
- H04L12/1485—Tariff-related aspects
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- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0603—Catalogue ordering
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- 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
Definitions
- the present invention relates to the field of communications technologies, and in particular, to a method and system for value-added service subscription and charging, and a value-added service management platform. Background technique
- Related embodiments of the present invention provide a method, system, and value-added service management platform for value-added service subscription and charging, so as to provide users with more humane and friendly services.
- a related embodiment of the present invention provides a method for subscription and charging of value-added services, where the method includes the following steps:
- the user chooses to order the product
- the user selects the lower-level product under the same business ladder according to the balance, and re-sends the charge request to deduct the user account.
- the method further comprises:
- the product ordered is not the original product that the user wants to order, but the monthly rent deduction is successful and the user account carries the balance, the product with the highest degree of matching with the original original product of the user is selected among the products of each step.
- the product is currently ordered;
- the method further comprises: when deducting the monthly rent, if the monthly rent is unsuccessful, the user selects the lower-level product under the same business ladder according to the balance, and updates the original product that the user wants to order. For the current ordering product.
- the updating the level of the product originally ordered by the user according to the difference replenishment result comprises: if the difference replenishment is successful, updating the level of the product originally ordered by the user to the level of the currently ordered product; If the buckle fails, the level of the product that the user originally wants to order is maintained at the product level of the deducted monthly rent.
- the debiting of the user account includes: prompting the user to agree to the deduction before sending the deduction request; sending a deduction request after receiving the information that the user agrees to the deduction; after the deduction is successful, generating The order relationship between the user and the product, the product that the user originally intended to order, and the feedback to the user for successful ordering.
- a related embodiment of the present invention provides a value-added service management platform, where the value-added service management platform includes:
- the deduction request sending module is configured to send a deduction request according to the user's selection to deduct the user account
- the adjustment module is set to set a low-level product for the same business ladder according to the balance if the balance of the user account is insufficient, and re-send the deduction request to deduct the user account.
- the adjustment module is further configured to: when the monthly rent is deducted, if the ordered product is not the product originally intended by the user, but the monthly rental deduction is successful and the user account carries the balance, then the selection and the selection between the products of each step are selected.
- the product with the highest matching degree of the product originally ordered by the user is the current order product; the difference request is sent from the balance to replenish the difference between the monthly rent of the currently ordered product and the deducted monthly rent; Update the level of the product that the user originally intended to order.
- the adjustment module is further configured to: when deducting the monthly rent, if the monthly rent is unsuccessful, the user selects the lower-level product under the same business ladder according to the balance, and updates the original product to be ordered by the user to the current order.
- the product is further configured to: when deducting the monthly rent, if the monthly rent is unsuccessful, the user selects the lower-level product under the same business ladder according to the balance, and updates the original product to be ordered by the user to the current order. The product.
- the adjustment module is further configured to: if the difference replenishment succeeds, update the level of the product originally ordered by the user to the level of the currently ordered product; if the difference replenishment fails, maintain the original product of the user to be ordered.
- the level is the product level of the deferred monthly rent.
- the adjusting module is further configured to: prompt the user to agree to the current deduction before sending the deduction request; and send a deduction request after receiving the information that the user agrees to the deduction; the deduction is successful After that, the user's order relationship with the product is generated, the product originally ordered by the user is recorded, and the user's response to the successful order is fed back.
- a related embodiment of the present invention provides a system for value-added service subscription and charging, including the above-mentioned value-added service management platform and an online charging subsystem, where the online charging subsystem is set to be charged according to the value-added service management platform. Request to deduct the user account.
- the method, system and value-added service management platform of the value-added service subscription and charging provided by the related embodiments of the present invention, when the balance of the user account is insufficient, selects a low-level product of the same service ladder according to the balance, and resends the product.
- the deduction request deducts the user account and records the user's original ordering requirements so that the user can order the product they originally intended to order.
- Users can also order products that are equivalent to the initial demand content or services when the balance is insufficient, and provide users with more humanized and friendly services in product order management and billing, which provides operators with effective operation and rapid market expansion. Superior conditions can greatly enhance the competitiveness of products in the market. It should be noted that the above beneficial effects are achieved by the related embodiments of the present invention, and the present invention is not required to have all of the above advantageous effects.
- FIG. 1 is a flowchart of a method for ordering and charging value-added services according to an embodiment of the present invention
- FIG. 2 is a flowchart of a method for ordering and charging value-added services according to an embodiment of the present invention
- FIG. 3 is a flowchart of an embodiment of the present invention
- FIG. 4 is a schematic structural diagram of a system for ordering and charging value-added services according to an embodiment of the present invention
- FIG. 5 is a flowchart of a system for ordering and charging value-added services according to an embodiment of the present invention
- FIG. 6 is an implementation of the present invention
- FIG. 7 is a flowchart of a system for value-added service subscription and billing according to an embodiment of the present invention
- FIG. 8 is a flowchart of a value-added service subscription according to an embodiment of the present invention
- FIG. 9 is a flowchart of the operation of a system for ordering and charging value-added services according to an embodiment of the present invention.
- FIG. 1 shows a flow of a method for value-added service subscription and charging in an embodiment of the present invention.
- the process includes the following steps:
- Step 10 the user selects to order the product
- Step 20 Send a deduction request according to the user's selection to deduct the user account; for example, the user selects the product from the value-added service management platform through the user subscription interface. After the user selects a subscription product, the value-added service management platform sends a deduction request to the online charging sub-system according to the user's selection, and the online charging subsystem will deduct the corresponding fee from the user account according to the deduction request.
- Step 30 If the balance of the user account is insufficient, the user selects the lower-level product under the same business ladder according to the balance, and re-sends the deduction request to deduct the user account.
- the same business ladder refers to the same or similar business category and service content. The low level is relatively speaking.
- the products of the same service content have different levels, such as ring tones and monthly subscriptions, etc., according to the types and quantities of ring tones provided or the traffic of the Internet, etc. kind of level.
- a subscription relationship between the user and the product is generated, the product originally intended by the user is recorded, and the user is responded to the successful response.
- the product that the user originally intended to order is recorded, and can be used to adjust the product level of the order when the user account balance is sufficient in the future, so that the user can order the original product to be ordered.
- the value-added service management platform selects the Pn rating of the product with the lower echelon level under the same business type as the product Pm, and the rating amount is Rn; the value-added service management platform charges the online The subsystem sends the amount of Rn The deduction request is successful, and the value-added service management platform generates a subscription relationship between the user U and the product Pn, records the user's original subscription request as Pm, and returns a response to the successful subscription to the user.
- the value-added service management platform when the deduction charge request is charged to the user account, the value-added service management platform provides a dialog box through the display device opposite to the user, prompting the user to adjust the level of the ordered product, and will press The corresponding fee of the adjusted product is deducted. If you agree, please touch a button or reply to a message.
- the user After receiving the information that the user agrees to the deduction, the user sends a deduction request; for example, after the user touches the button or replies the information, the deduction request is sent to the online charging subsystem.
- the invention orders the product for the user by selecting the lower-level product of the same business ladder according to the balance when the balance of the user account is insufficient, and records the original ordering requirement of the user. Users can also order products that are equivalent to the initial demand content or service when the balance is insufficient, and provide users with human and friendly services in product order management and billing.
- the above method further includes the following steps:
- Step 40 when the monthly rent is deducted, if the product ordered is not the original product to be ordered by the user, but the monthly rent deduction is successful and the user account carries the balance, the product selected between the products of the ladder is matched with the original product to be ordered by the user.
- the highest degree product is the current order product; in this embodiment, it is assumed that the order product generated by the user U is Pm, and the deduction request of the rent Rm is sent to the online billing subsystem, the deduction is successful, the user balance is sufficient, and the user carries Balance.
- the product Pm is not the product Pn that the user wants to order in the original ordering requirement.
- the user's original demand and the current balance are used to try to adjust the user's order, and the product that meets the user's balance requirement is selected between Pm and Pn to adjust the user's order. If the user's balance allows, it will tend to satisfy the user's original needs to the greatest extent, matching one by one until the product with the highest degree of matching with Pn is found. For example, if it is matched to the product Py (which may also be the product Pn) between Pm and Pn, and the rent is Ry, the difference of Py-Rm is calculated. If Rx is assumed, the deduction of rent Rx is sent to the online charging subsystem. request.
- Step 50 Send a difference repair request, and replenish the monthly rent of the currently ordered product from the balance.
- the value-added service management platform sends a difference replenishment request for the online charging subsystem to deduct the difference. If the difference replenishment is successful, the level of the ordered product is adjusted; if the difference replenishment fails, the level of the original ordered product is maintained unchanged.
- Step 60 Update the level of the product that the user originally wants to order according to the difference replenishment result. If the online billing subsystem deducts the fee successfully, the user who wants to order the product in the original ordering requirement is modified. Pn is the product currently ordered by the user as Py. In order to provide users with the most user-friendly services that meet the needs of users.
- the user selects the lower-level product under the same business ladder according to the balance, and updates the original product to be ordered by the user to the currently ordered product. For example, if the subscription product generated by the user U is Pm and the deduction request is sent to the prior deduction system for the lease fee of Rm, the deduction credit user balance is insufficient and the balance is carried. Then, according to the current balance of the user account, select the Pn batch price of the product with the lower rank level under the same business type as the product Pm, assuming the rating amount is Rn. The amount sent to the online charging subsystem is the Rn deduction request, and the deduction is successful.
- the value-added service management platform generates the subscription relationship between the user U and the product Pn, and updates the Pm to Pn.
- the deduction of the user account may include: prompting the user to agree to the deduction before sending the deduction request; for example, in step 20 or in step 30, when the deduction request is sent to the user account or the step is When the price difference needs to be replenished in 50, the value-added service management platform provides a dialog box through the display device opposite to the user, prompting the user to adjust the level of the ordered product, and deducting the fee according to the adjusted product, if agreed Please touch a button or reply to a message.
- FIG. 3 is a schematic structural diagram of a value-added service management platform 100 according to an embodiment of the present invention.
- the value-added service management platform 100 includes:
- the selection window 101 is set to select the product to be ordered by the user; the selection window 101 can be similar to the mobile shopping mall purchase window, where the user can select any product.
- the charge request sending module 102 is configured to send a charge request according to the user's selection to charge the user account; for example, after the user selects a product from the selection window 101, the charge request sending module 102 sends a charge request according to the user's selection.
- the online billing subsystem 200 will deduct the corresponding fee from the user account based on the chargeback request.
- the adjustment module 103 is set to select a low-level product under the same business ladder according to the balance if the balance of the user account is insufficient, and re-send the charge request to deduct the user account.
- the same business ladder refers to the same or similar business category and service content. The low level is relatively speaking.
- the products of the same service content have different levels, such as ring tones and monthly subscriptions, etc., according to the types and quantities of ring tones provided or the traffic of the Internet, etc. kind of level.
- the adjustment module 103 can select a product with a relatively low level for the user according to the insufficient balance of the user account fed back by the online charging subsystem 200, so as to deduct a relatively low fee.
- the adjustment module 103 is further configured to:
- the user Before sending the deduction request, the user is prompted to agree to the deduction; for example, a dialog box is provided corresponding to the user, prompting the user to adjust the level of the ordered product, and will be adjusted according to the corresponding cost of the adjusted product. Deduction, if you agree, please touch a button or reply to a message.
- the user After receiving the information that the user agrees to the deduction, the user sends a deduction request; for example, after the user touches the button or replies the information, the deduction request is sent to the online charging subsystem.
- the adjustment module 103 can also be configured to:
- the product ordered is not the original product that the user wants to order, but the monthly rent deduction is successful and the user account carries the balance, the product with the highest degree of matching with the original original product of the user is selected among the products of each step.
- the product is a current order product; the embodiment of the present invention can find the product level corresponding to the product that the user originally wants to order or the original product that the user wants to order to meet the user demand, and further improve the humanization of the service.
- the adjustment module 103 notifies the deduction request sending module 102 to send the difference replenishment request to the online charging subsystem 200. If the spread is successfully replenished, adjust the level of the ordered product; if the spread replenishment fails, the level of the original ordered product remains unchanged.
- the adjustment module 103 updates the level of the product originally ordered by the user to the level of the currently ordered product; if the difference replenishment fails, the adjustment module 103 maintains the level of the product originally intended by the user to be The product level of the monthly rent has been deducted.
- the adjustment module 103 can also be configured to: when deducting the monthly rent, if the monthly rent is unsuccessful, the user selects the lower-level product under the same business ladder according to the balance, and updates the original product that the user wants to order. For the current ordering product.
- the user Before sending the deduction request, the user is prompted to agree to the deduction; for example, when the deduction charge request is deducted from the user account or the difference is required to be replenished, a dialog box is provided through the display device opposite to the user, prompting the user that the user has Adjust the level of the ordered product, and deduct the fee according to the adjusted product. If you agree, please touch a button or reply to a message.
- a subscription relationship between the user and the product is generated, the product originally intended by the user is recorded, and the user is responded to the successful response. Recording the product that the user originally intended to order, can be used to adjust the product level of the order when the user account balance is sufficient in the future, so that the user can order the original product that he or she wants to order.
- the invention provides a system for ordering and charging value-added services, which is used to implement the above method flow.
- 4 is a schematic structural diagram of a system for ordering and charging value-added services according to an embodiment of the present invention, where the system includes:
- Value-added service management platform 10 set to user to choose to order products
- the online charging subsystem 20 is configured to send a deduction request according to the user's selection to deduct the user account;
- the value-added service management platform 10 is further configured to select a low-level product for the same business ladder according to the balance if the balance of the user account is insufficient, and re-send the charge request to the online accounting subsystem 20 to deduct the user account.
- the value added service management platform 10 is further configured to:
- the user Before sending the deduction request, the user is prompted to agree to the deduction; for example, a display box is provided to prompt the user to adjust the level of the ordered product, and the deduction of the adjusted product is performed, if Agree to touch a button or reply to a message.
- the user After receiving the information that the user agrees to the deduction, the user sends a deduction request; for example, after the user touches the button or replies the information, the deduction request is sent to the online charging subsystem.
- a subscription relationship between the user and the product is generated, the product originally intended by the user is recorded, and the user is responded to the successful response. Recording the product that the user originally intended to order, can be used to adjust the product level of the order when the user account balance is sufficient in the future, so that the user can order the original product that he or she wants to order.
- the system for ordering and billing further includes a user ordering interface 30, and the user selects a product ordered from the value-added service management platform 10 through the user ordering interface 30, and the value-added service management platform 10 performs corresponding processing according to the user's ordering behavior.
- the online billing subsystem 20 will deduct the corresponding fee from the user account based on the user's selection.
- the product subscribed by the user U is Pm
- the rent of the value-added service management platform 10 for the product Pm is Rm
- the amount sent to the online charging subsystem 20 is the Rm deduction request
- the deduction of the deduction balance is insufficient.
- the value-added service management platform 10 selects the Pn rating of the product with the lower echelon level under the same service type as the product Pm, and the rating amount is Rn; the value-added service management platform 10 to the online charging subsystem 20
- the request for the deduction of the amount of Rn is sent, and the deduction is successful.
- the value-added service management platform 10 generates a subscription relationship between the user U and the product Pn, records the original subscription request of the user as Pm, and gives the user a successful response.
- the value-added service management platform 10 of the present invention orders the product for the user according to the balance selecting the lower-level product of the same business ladder, which greatly facilitates the user and improves the service flexibility of the value-added product. .
- the structure and function of the value-added service management platform 10 can be referred to the embodiment of the value-added service management platform 100 shown in FIG. 3, and will not be described in detail herein.
- the value-added service management platform 10 includes a selection window 101, which is set to select a product to be ordered by the user; the deduction request sending module 102 is configured to send a deduction request according to the user's selection to deduct the user account; the adjustment module 103 is set to if the balance of the user account If it is insufficient, the user selects the lower-level product under the same business ladder according to the balance, and re-sends the deduction request to deduct the user account.
- FIG. 5 is a processing flow when the user balance is insufficient
- FIG. 6 is a processing when the user balance is sufficient. Process.
- Step 501 The user subscribes to the interface through the user. 30 sending a user product order request to the value-added service management platform 10;
- Step 502 The value-added service management platform 10 is for ordering product pricing;
- Step 503 The value-added service management platform 10 sends a chargeback request to the online charging subsystem 20;
- the online charging subsystem 20 feeds back the chargeback response;
- the chargeback response further carries the user balance.
- Step 505 If the balance of the user account is insufficient, the value-added service management platform 10 selects a product with a lower rank level according to the user balance;
- Step 506 The value-added service management platform 10 sends a deduction request to the online charging subsystem 20 again;
- Steps 507-509 If the deduction is successful, the online deduction subsystem 20 returns a deduction response indicating that the deduction is successful to the value-added service management platform 10, and the value-added service management platform 10 generates a subscription relationship between the user and the ordered product, and Feedback to the user is sent to the successful response message.
- the process in a process of processing a product when a user first orders a product and the user account balance is sufficient, includes the following steps:
- Step 601 The user sends a user product subscription request to the value-added service management platform 10 through the user subscription interface 30;
- Step 602 The value-added service management platform 10 is for ordering product pricing
- Step 603 The value-added service management platform 10 sends a chargeback request to the online charging subsystem 20;
- the online charging subsystem 20 feeds back the chargeback response;
- the chargeback response also carries the user balance.
- Step 605 If the balance is sufficient, the value-added service management platform 10 selects a product with a lower rank level according to the user balance;
- Step 606 The value-added service management platform 10 generates a subscription relationship between the user and the ordered product, and feeds back to the user a response message of the successful subscription.
- the value-added service management platform 10 is further configured to: when deducting the monthly rent, if the deduction is successful and the user account carries the balance, the product to be ordered is selected between the products of each step. The most highly-matched product is the current order product; and the user's original ordering requirement is updated to the currently ordered product; the online billing subsystem 20 is also set to replenish the current subscription product's monthly rent from the balance. The difference between the deducted monthly rent and the monthly rent.
- FIG. 7 a flowchart of processing when a system for value-added service subscription and charging is deducted from a monthly subscription is provided in the embodiment, and the processing flow includes the following steps in sequence:
- Step 701 The value-added service management platform 10 sends a monthly rent deduction request to the online charging subsystem 20;
- Step 702 The online charging subsystem 20 feeds back the chargeback response; here, the chargeback response also carries the user balance.
- Step 703 If the current order product is not the original product in the original demand, the value-added service management platform 10 adjusts the user's order product according to the original demand and approves the price; if the ordered product is the original user demand, the user wants to order the product. , and the deduction is successful, there is no need to adjust the ladder level of the ordered product.
- the processing flow in this scenario may be as shown in FIG.
- Step 901 The value-added service management platform 10 sends a monthly rent deduction request to the online deduction subsystem 20;
- Step 704 Send a deduction request to the online charging subsystem 20 again to deduct the adjusted difference
- Step 705 The online charging subsystem 20 feeds back a chargeback response.
- the chargeback response includes a message that the chargeback is successful.
- Step 706 The value-added service management platform 10 updates the subscription relationship.
- the updated ordering relationship here is to update the user's desired product in the original ordering requirement of the user to the currently ordered product.
- the value added service management platform 10 is further configured to: When deducting the monthly rent, if the monthly rent is unsuccessful, the user selects the product according to the balance and selects the lower-level product of the same business ladder, and updates the user's original ordering product to the currently ordered product. .
- the system for processing the subscription and charging of the value-added service is in a process of unsuccessful monthly rental deduction, and the process includes the following steps in sequence:
- Step 801 The value-added service management platform 10 sends a monthly rent deduction request to the online charging subsystem 20;
- Step 802 The online charging subsystem 20 feeds back a chargeback response; where the chargeback response includes a user balance.
- Step 803 If the balance is insufficient, the value-added service management platform 10 adjusts the user's order product according to the original demand and approves the price;
- Step 804 The value-added service management platform 10 sends a monthly rent deduction request to the online charging subsystem 20 again; the deduction request includes the adjusted product rent.
- Step 805 The online charging subsystem 20 feedbacks the deduction response again.
- the deduction response includes a message that the deduction is successful.
- Step 806 After the deduction is successful, the value-added service management platform 10 updates the order relationship according to the adjusted step-level product.
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Abstract
本发明提供了一种增值业务订购及计费的方法、系统以及一种增值业务管理平台，该方法包括：用户选择订购产品；按用户的选择发送扣费请求以对用户账户扣费；如果用户账户的余额不足，则根据余额为用户选择同一业务梯次下低级别的产品，并重新发送扣费请求以对用户账户扣费。本发明使用户在余额不足时也可以订购与初始需求内容或服务相当的产品，在产品订购管理和计费方面为用户提供了更人性化、更友好的服务。
Description
增值业务订购及计费的方法、 系统及增值业务管理平台 技术领域
本发明涉及通信技术领域， 尤其涉及一种增值业务订购及计费的方法、 系统及增值业务管理平台。 背景技术
随着通信技术和市场的不断发展， 目前互联网、 电信网以及广播电视 网在其通信能力可达的范围之内， 各方面业务都得到了极快的发展。 为了 充分占有客户资源、 丰富产品种类、 不断地提高服务质量， 各电信运营商 和信息产品提供商一直在市场上不断变化策略， 借以提高自己的核心竟争 能力。
如此激烈市场竟争环境同时触动了通信增值应用的迅速发展。 增值业 务产品的种类越来越多， 实现也越来越复杂。 目前已经发展到上百种业务 类型， 包括交易、 信息、 数据库和娱乐等多个种类。 移动通信领域主力收 入型业务有短信息、 WAP、 彩铃、 彩信等， 均已呈现出快速增长的势头； 此外， 手机游戏、 手机电视、 移动支付、 移动 IM、 移动电邮、 位置服务、 二维码等新业务新应用层出不穷。 互联网领域的网络游戏、 网络购物、 云 计算服务等业务种类越来越多。 广播电视领域有线电视、 信息产品、 广告 业务等服务也在不断丰富。 目前各领域增值业务呈现出繁荣发展的景象， 增值业务多元化的格局已经逐渐形成。
与此同时用户的需求也越来越高， 用户不仅希望产品的价格更便宜、 更要求有良好的、 人性化的服务品质。 迅猛发展的增值产品以及客户的需 求都对电信运营商和信息产品提供商在管理产品的用户订购和计费方面提 出了新的要求。 针对用户的需求和运营商的有效运营， 有必要提供一种灵
活的、 友好的增值产品动态订购、 计费的方法， 以便为用户提供更为人性、 友好的服务。 发明内容
本发明相关实施例提供了一种增值业务订购及计费的方法、 系统及增 值业务管理平台， 以便为用户提供更为人性、 友好的服务。
本发明相关实施例提供了一种增值业务订购及计费的方法， 所述方法 包括以下步驟：
用户选择订购产品；
按用户的选择发送扣费请求以对用户账户扣费；
如果用户账户的余额不足， 则根据余额为用户选择同一业务梯次下低 级别的产品， 并重新发送扣费请求以对用户账户扣费。
优选地， 在执行所有步驟之后所述方法还包括：
扣除月租时， 如果所订购的产品非用户原始欲订购的产品， 但月租扣 除成功并且用户账户携带余额， 则在各梯次产品之间选择与所述用户原始 欲订购的产品匹配程度最高的产品为当前订购产品；
发送差价补扣请求从余额中补扣当前订购产品的月租与已扣除的月租 之间的差价；
根据差价补扣结果， 更新用户原始欲订购的产品的级别。
优选地， 在执行所有步驟之后所述方法还包括： 扣除月租时， 如果扣 除月租不成功， 则根据余额为用户选择同一业务梯次下低级别的产品， 并 将用户原始欲订购的产品更新为当前订购的产品。
优选地， 所述根据差价补扣结果， 更新用户原始欲订购的产品的级别， 包括： 如果差价补扣成功， 则将用户原始欲订购的产品的级别更新为当前 订购产品的级别； 如果差价补扣失败， 则维持用户原始欲订购的产品的级 别为已扣月租的产品级别。
优选地， 所述对用户账户扣费包括： 发送扣费请求前， 提示用户是否 同意本次扣费； 在收到用户同意本次扣费的信息后发送扣费请求； 扣费成 功后， 生成用户与产品的订购关系， 记录用户原始欲订购的产品， 并反馈 给用户订购成功的响应。
本发明相关实施例提供了一种增值业务管理平台， 所述增值业务管理 平台包括：
选择窗口， 设置为用户选择订购产品；
扣费请求发送模块， 设置为按用户的选择发送扣费请求以对用户账户 扣费；
调整模块， 设置为如果用户账户的余额不足， 则根据余额为用户选择 同一业务梯次下低级别的产品， 并重新发送扣费请求以对用户账户扣费。
优选地， 所述调整模块还设置为： 扣除月租时， 如果所订购的产品非 用户原始欲订购的产品， 但月租扣除成功并且用户账户携带余额， 则在各 梯次产品之间选择与所述用户原始欲订购的产品匹配程度最高的产品为当 前订购产品； 发送差价补扣请求从余额中补扣当前订购产品的月租与已扣 除的月租之间的差价； 根据差价补扣结果， 更新用户原始欲订购的产品的 级别。
优选地， 所述调整模块还设置为： 扣除月租时， 如果扣除月租不成功， 则根据余额为用户选择同一业务梯次下低级别的产品， 并将用户原始欲订 购的产品更新为当前订购的产品。
优选地， 所述调整模块还设置为： 如果差价补扣成功， 则将用户原始 欲订购的产品的级别更新为当前订购产品的级别； 如果差价补扣失败， 则 维持用户原始欲订购的产品的级别为已扣月租的产品级别。
优选地， 所述调整模块还设置为： 发送扣费请求前， 提示用户是否同 意本次扣费； 在收到用户同意本次扣费的信息后发送扣费请求； 扣费成功
后， 生成用户与产品的订购关系， 记录用户原始欲订购的产品， 并反馈给 用户订购成功的响应。
本发明相关实施例提供了一种增值业务订购及计费的系统， 包括上述 的增值业务管理平台和在线计费子系统， 所述在线计费子系统设置为根据 增值业务管理平台发送的扣费请求对用户账户进行扣费。
本发明相关实施例所提供的增值业务订购及计费的方法、 系统及增值 业务管理平台， 在用户账户的余额不足时， 为根据余额为用户选择同一业 务梯次下低级别的产品， 并重新发送扣费请求以对用户账户扣费， 还可记 录用户的原始订购需求， 以便日后为用户订购到其最初想订购的产品。 用 户在余额不足时也可以订购与初始需求内容或服务相当的产品， 在产品订 购管理和计费方面为用户提供了更人性化、 更友好的服务， 为运营商有效 运营和迅速扩大市场提供了优越条件， 可大大提升产品在市场上的竟争能 力。 值得注意的是， 上述有益效果为本发明相关实施例所实现的， 并不要 求本发明具备上述全部的有益效果。 附图说明
图 1为本发明一实施例中增值业务订购及计费的方法的流程图； 图 2为本发明一实施例中增值业务订购及计费的方法的流程图； 图 3为本发明一实施例中增值业务管理平台的结构示意图；
图 4为本发明一实施例中增值业务订购及计费的系统的结构示意图； 图 5为本发明一实施例中增值业务订购及计费的系统的工作流程图； 图 6为本发明一实施例中增值业务订购及计费的系统的工作流程图； 图 7为本发明一实施例中增值业务订购及计费的系统的工作流程图； 图 8为本发明一实施例中增值业务订购及计费的系统的工作流程图； 图 9为本发明一实施例中增值业务订购及计费的系统的工作流程图。 本发明目的的实现、 功能特点及优点将结合实施例， 参照附图做进一
步说明。 具体实施方式
应当理解， 此处所描述的具体实施例仅仅用以解释本发明， 并不用于 限定本发明。
图 1示出了本发明的一个实施例中增值业务订购及计费的方法流程。 该 流程包括以下步驟：
步驟 10, 用户选择订购产品；
步驟 20, 按用户的选择发送扣费请求以对用户账户扣费； 例如， 用户 通过用户订购接口从增值业务管理平台上选择订购产品。 用户选择一个订 购产品后， 增值业务管理平台根据用户的选择发送扣费请求至在线计费子 系统， 在线计费子系统将根据扣费请求从用户账户中扣除相应的费用。
步驟 30, 如果用户账户的余额不足， 则根据余额为用户选择同一业务 梯次下低级别的产品， 并重新发送扣费请求以对用户账户扣费。 同一业务 梯次是指业务类别、 服务内容相同或者相近。 低级别是相对而言， 在增值 服务产品中， 同一服务内容的产品具有多个不同的级别， 例如彩铃和包月 上网等， 按可提供的铃声种类和数量或者上网的流量等， 可分为多种级别。
扣费成功后， 生成用户与产品的订购关系， 记录用户原始欲订购的产 品， 并反馈给用户订购成功的响应。 此处， 记录用户原始欲订购的产品， 可用以在日后用户账户余额充足时， 再对订购的产品级别进行调整， 以便 用户订购到原始想订购的产品。
以下将以一具体示例详述本发明实施例的流程：假设用户 U所订购的产 品为 Pm, 针对产品 Pm批价后租金为 Rm; 增值业务管理平台向在线计费子 系统发送金额为 Rm扣费请求； 如果扣费应答余额不足， 增值业务管理平台 根据用户当前余额选择与产品 Pm同一业务类型下， 梯次级别低的产品 Pn批 价， 批价金额为 Rn; 增值业务管理平台向在线计费子系统发送金额为 Rn的
扣费请求， 扣费成功， 增值业务管理平台生成用户 U与产品 Pn的订购关系， 记录用户原始订购请求为 Pm, 并向用户返回订购成功的响应。 例如， 步驟 20中或步驟 30中， 在发送扣费请求对用户账户扣费时， 增值业务管理平台 通过与用户相对的显示装置提供一个对话框， 提示用户当前已调整订购产 品的级别， 并且将按调整后的产品的相应费用进行扣费， 如果同意请触按 某按键或者回复某信息等。
在收到用户同意本次扣费的信息后发送扣费请求； 例如， 用户触按按 键或回复信息后， 将扣费请求发送给在线计费子系统。
本发明通过在用户账户的余额不足时， 根据余额为用户选择同一业务 梯次下低级别的产品为用户订购产品， 并记录用户的原始订购需求。 用户 在余额不足时也可以订购与初始需求内容或服务相当的产品， 在产品订购 管理和计费方面为用户提供了人性、 友好的服务。
参照图 2, 在一实施例中， 上述方法进一步包括以下步驟：
步驟 40, 扣除月租时， 如果所订购的产品非用户原始欲订购的产品， 但月租扣除成功并且用户账户携带余额， 则在各梯次产品之间选择与所述 用户原始欲订购的产品匹配程度最高的产品为当前订购产品； 本实施例中， 假设用户 U所生成的订购产品为 Pm, 向在线计费子系统发送租金为 Rm的扣 费请求， 扣费成功， 用户余额充足， 并且携带余额。 但是产品 Pm不是用户 原始订购需求中欲订购的产品 Pn, 则根据用户的原始需求以及当前余额尝 试调整用户的订购， 在 Pm至 Pn之间选择满足用户余额要求的产品来调整用 户的订购。 如果用户余额允许， 会最大程度趋向满足用户的原始需求， 逐 一匹配， 直至找到与 Pn匹配程度最高的产品。 例如假设匹配到 Pm至 Pn之间 的产品 Py (也可以是产品 Pn ),租金为 Ry, 则计算 Py-Rm的差额，假设为 Rx, 则向在线计费子系统发送租金为 Rx的扣费请求。
步驟 50, 发送差价补扣请求， 从余额中补扣当前订购产品的月租与已
扣除的月租之间的差价； 由于之前所扣的租金是低级别产品的租金， 而当 前订购产品的级别高于低级别产品， 因此其租金可能高于已扣的租金， 此 时需要补扣差价。 增值业务管理平台发送差价补扣请求， 以供在线计费子 系统扣取差价， 如果差价补扣成功， 则调整订购产品的级别； 如果差价补 扣失败， 则维持原订购产品的级别不变。
步驟 60, 根据差价补扣结果， 更新用户原始欲订购的产品的级别。 在 线计费子系统扣费成功， 则修改原始订购需求中的用户欲订购产品 Pn为用 户当前订购的产品为 Py。 以此来最大程度的为用户提供满足用户需求的、 人性化的服务。
在另一实施例中， 如果扣除月租不成功， 则根据余额为用户选择同一 业务梯次下低级别的产品， 并将用户原始欲订购的产品更新为当前订购的 产品。 例如， 假设用户 U所生成的订购产品为 Pm, 向在先扣费系统发送租 金为 Rm的扣费请求时， 扣费反馈用户余额不足， 并且携带余额。 则根据用 户账户的当前余额选择与产品 Pm同一业务类型下， 梯次级别低的产品 Pn批 价， 假设批价金额为 Rn。 向在线计费子系统发送金额为 Rn扣费请求， 扣费 成功， 增值业务管理平台生成用户 U与产品 Pn的订购关系， 并将 Pm更新为 Pn。
上述实施例中， 对用户账户扣费可包括： 发送扣费请求前， 提示用户 是否同意本次扣费； 例如， 步驟 20中或步驟 30中， 在发送扣费请求对用户 账户扣费时或者步驟 50中需补扣差价时， 增值业务管理平台通过与用户相 对的显示装置提供一个对话框， 提示用户当前已调整订购产品的级别， 并 且将按调整后的产品的相应费用进行扣费， 如果同意请触按某按键或者回 复某信息等。
在收到用户同意本次扣费的信息后发送扣费请求； 例如， 用户触按按 键或回复信息后， 将扣费请求发送给在线计费子系统。
参照图 3, 为本发明实施例中增值业务管理平台 100的结构示意图， 本 发明实施例中增值业务管理平台 100包括：
选择窗口 101 , 设置为用户选择订购产品； 选择窗口 101可以类似于移 动商城选购窗口， 用户可在其中任意选择产品。
扣费请求发送模块 102, 设置为按用户的选择发送扣费请求以对用户账 户扣费； 例如用户从选择窗口 101选择一个订购产品后， 扣费请求发送模块 102根据用户的选择发送扣费请求至在线计费子系统 200, 在线计费子系统 200将根据扣费请求从用户账户中扣除相应的费用。
调整模块 103 , 设置为如果用户账户的余额不足， 则根据余额为用户选 择同一业务梯次下低级别的产品， 并重新发送扣费请求以对用户账户扣费。 同一业务梯次是指业务类别、 服务内容相同或者相近。 低级别是相对而言， 在增值服务产品中， 同一服务内容的产品具有多个不同的级别， 例如彩铃 和包月上网等， 按可提供的铃声种类和数量或者上网的流量等， 可分为多 种级别。 调整模块 103可根据在线计费子系统 200反馈的用户账户余额不足 的信息， 为用户选择相对级别较低的产品， 以便扣取相对较低的费用。 在 一实施例中， 调整模块 103还设置为：
发送扣费请求前， 提示用户是否同意本次扣费； 例如， 通过与用户相 对的显示装置提供一个对话框， 提示用户当前已调整订购产品的级别， 并 且将按调整后的产品的相应费用进行扣费， 如果同意请触按某按键或者回 复某信息等。
在收到用户同意本次扣费的信息后发送扣费请求； 例如， 用户触按按 键或回复信息后， 将扣费请求发送给在线计费子系统。
扣费成功后， 生成用户与产品的订购关系， 记录用户原始欲订购的产 品， 并反馈给用户订购成功的响应。 记录用户原始欲订购的产品， 可用以 在日后用户账户余额充足时， 再对订购的产品级别进行调整， 以便用户订
购到原始想订购的产品。
在一实施例中， 调整模块 103还可设置为：
扣除月租时， 如果所订购的产品非用户原始欲订购的产品， 但月租扣 除成功并且用户账户携带余额， 则在各梯次产品之间选择与所述用户原始 欲订购的产品匹配程度最高的产品为当前订购产品； 本发明实施例可以从 各梯次产品中查找到与用户原始欲订购的产品级别相当或者用户原始欲订 购的产品以满足用户需求， 更进一步提升了服务的人性化。
发送差价补扣请求从余额中补扣当前订购产品的月租与已扣除的月租 之间的差价； 由于之前所扣的租金是低级别产品的租金， 而当前订购产品 的级别高于低级别产品， 因此其租金可能高于已扣的租金， 此时需要补扣 差价， 调整模块 103通知扣费请求发送模块 102发送差价补扣请求至在线计 费子系统 200。 如果差价补扣成功， 则调整订购产品的级别； 如果差价补扣 失败， 则维持原订购产品的级别不变。
根据差价补扣结果， 更新用户原始欲订购的产品的级别。 具体的， 如 果差价补扣成功， 则调整模块 103将用户原始欲订购的产品的级别更新为当 前订购产品的级别； 如果差价补扣失败， 则调整模块 103维持用户原始欲订 购的产品的级别为已扣月租的产品级别。
在一实施例中， 调整模块 103还可设置为： 扣除月租时， 如果扣除月租 不成功， 则根据余额为用户选择同一业务梯次下低级别的产品， 并将用户 原始欲订购的产品更新为当前订购的产品。
发送扣费请求前， 提示用户是否同意本次扣费； 例如， 在发送扣费请 求对用户账户扣费时或者需补扣差价时， 通过与用户相对的显示装置提供 一个对话框， 提示用户当前已调整订购产品的级别， 并且将按调整后的产 品的相应费用进行扣费 , 如果同意请触按某按键或者回复某信息等。
在收到用户同意本次扣费的信息后发送扣费请求； 例如， 用户触按按
键或回复信息后， 将扣费请求发送给在线计费子系统。
扣费成功后， 生成用户与产品的订购关系， 记录用户原始欲订购的产 品， 并反馈给用户订购成功的响应。 记录用户原始欲订购的产品， 可用以 在日后用户账户余额充足时， 再对订购的产品级别进行调整， 以便用户订 购到原始想订购的产品。
本发明提供一种增值业务订购及计费的系统， 用以实现上述方法流程。 参照图 4, 为本发明实施例中增值业务订购及计费的系统的结构示意图， 该 系统包括：
增值业务管理平台 10, 设置为用户选择订购产品；
在线计费子系统 20 , 设置为按用户的选择发送扣费请求以对用户账户 扣费；
增值业务管理平台 10还设置为如果用户账户的余额不足， 则根据余额 为用户选择同一业务梯次下低级别的产品， 并重新发送扣费请求至在线计 费子系统 20以对用户账户扣费。 在一实施例中， 增值业务管理平台 10进一 步设置为：
发送扣费请求前， 提示用户是否同意本次扣费； 例如， 通过显示装置 提供一个对话框， 提示用户当前已调整订购产品的级别， 并且将按调整后 的产品的相应费用进行扣费 , 如果同意请触按某按键或者回复某信息等。
在收到用户同意本次扣费的信息后发送扣费请求； 例如， 用户触按按 键或回复信息后， 将扣费请求发送给在线计费子系统。
扣费成功后， 生成用户与产品的订购关系， 记录用户原始欲订购的产 品， 并反馈给用户订购成功的响应。 记录用户原始欲订购的产品， 可用以 在日后用户账户余额充足时， 再对订购的产品级别进行调整， 以便用户订 购到原始想订购的产品。
除了上述增值业务管理平台 10和在线计费子系统 20外， 本发明增值业
务订购及计费的系统还包括用户订购接口 30, 用户通过用户订购接口 30从 增值业务管理平台 10上选择订购产品， 增值业务管理平台 10根据用户的订 购行为做相对应的处理。 用户选择一个订购产品后， 在线计费子系统 20将 根据用户的选择从用户账户中扣除相应的费用。 具体地， 前述方法实施例 中， 假设用户 U所订购的产品为 Pm, 增值业务管理平台 10针对产品 Pm批价 后租金为 Rm; 向在线计费子系统 20发送金额为 Rm扣费请求；如果扣费应答 余额不足， 增值业务管理平台 10根据用户当前余额选择与产品 Pm同一业务 类型下， 梯次级别低的产品 Pn批价， 批价金额为 Rn; 增值业务管理平台 10 向在线计费子系统 20发送金额为 Rn的扣费请求， 扣费成功， 增值业务管理 平台 10生成用户 U与产品 Pn的订购关系， 记录用户原始订购请求为 Pm, 并 给用户订购成功的响应。 本发明中的增值业务管理平台 10在用户账户的余 额不足时， 则根据余额为用户选择同一业务梯次下低级别的产品为用户订 购产品， 极大地方便了用户， 提升了增值产品的服务灵活性。
本发明实施例中， 增值业务管理平台 10的结构和功能可参考前述图 3所 示增值业务管理平台 100实施例， 在此就不作详述。 例如， 其包括选择窗口 101 , 设置为用户选择订购产品； 扣费请求发送模块 102, 设置为按用户的 选择发送扣费请求以对用户账户扣费； 调整模块 103, 设置为如果用户账户 的余额不足， 则根据余额为用户选择同一业务梯次下低级别的产品， 并重 新发送扣费请求以对用户账户扣费。 本发明增值业务订购及计费的系统在 用户初次订购产品时的详细处理流程可参照图 5和图 6所示， 图 5为用户余额 不足时的处理流程， 图 6为用户余额足够时的处理流程。
如图 5所示， 本发明增值业务订购及计费的系统一实施例中， 在用户初 次订购产品， 用户账户余额不足时的处理流程， 该流程包括以下步驟： 步驟 501： 用户通过用户订购接口 30向增值业务管理平台 10发送用户产 品订购请求；
步驟 502: 增值业务管理平台 10为订购产品批价；
步驟 503: 增值业务管理平台 10向在线计费子系统 20发送扣费请求； 步驟 504: 在线计费子系统 20反馈扣费应答； 这里， 所述扣费应答中还 携带用户余额。
步驟 505: 如果用户账户的余额不足， 则增值业务管理平台 10根据用户 余额选择相应梯次级别较低的产品；
步驟 506: 增值业务管理平台 10再次向在线计费子系统 20发送扣费请 求；
步驟 507-509: 如果扣费成功， 则在线扣费子系统 20向增值业务管理平 台 10返回表示扣费成功的扣费应答， 增值业务管理平台 10生成用户与订购 产品之间的订购关系， 并向用户反馈订购成功的响应消息。
参照图 6, 本发明增值业务订购及计费的系统一实施例中， 在用户初次 订购产品， 用户账户余额充足时的处理流程， 该流程包括以下步驟：
步驟 601： 用户通过用户订购接口 30向增值业务管理平台 10发送用户产 品订购请求；
步驟 602: 增值业务管理平台 10为订购产品批价；
步驟 603: 增值业务管理平台 10向在线计费子系统 20发送扣费请求； 步驟 604: 在线计费子系统 20反馈扣费应答； 这里， 所述扣费应答中还 携带用户余额。
步驟 605: 如果余额充足， 则则增值业务管理平台 10根据用户余额选择 相应梯次级别较低的产品；
步驟 606: 增值业务管理平台 10生成用户与订购产品之间的订购关系， 并向用户反馈订购成功的响应消息。
在一实施例中， 增值业务管理平台 10还设置为： 扣除月租时， 如果扣 除成功并且用户账户携带余额， 则在各梯次产品之间选择与欲订购产品匹
配程度最高的产品为当前订购产品； 并将用户的原始订购需求中的用户欲 订购产品更新为当前订购的产品； 在线计费子系统 20还设置为从余额中补 扣当前订购产品的月租与已扣除的月租之间的差价。 参照图 7, 为本实施例 中增值业务订购及计费的系统在扣除月租成功时的处理流程图， 该处理流 程依次包括以下步驟：
步驟 701： 增值业务管理平台 10向在线计费子系统 20发送月租扣费请 求；
步驟 702: 在线计费子系统 20反馈扣费应答； 这里， 所述扣费应答中还 携带用户余额。
步驟 703: 如果当前订购产品非原始需求中用户原始欲订购的产品， 则 增值业务管理平台 10根据原始需求调整用户订购产品并批价； 如果订购的 产品为原始用户需求中的用户欲订购产品时， 且扣费成功， 则不需调整订 购产品的梯次级别。 此情境下的处理流程可参照图 9所示， 包括： 步驟 901 : 增值业务管理平台 10向在线扣费子系统 20发送月租扣费请求； 步驟 902: 在 线扣费子系统 20向增值业务管理平台 10返回扣费应答， 该扣费应答中携带 用户余额； 步驟 903: 即使用户余额不足， 如果当前订购产品为原始用户需 求中的用户欲订购产品时， 增值业务管理平台 10根据原始需要判定不需调 整用户订购产品。
步驟 704: 再次向在线计费子系统 20发送扣费请求， 以扣除调整后的差 价；
步驟 705: 在线计费子系统 20反馈扣费应答； 这里， 所述扣费应答中包 含扣费成功的消息。
步驟 706: 增值业务管理平台 10更新订购关系。 此处的更新订购关系为 将用户的原始订购需求中的用户欲订购产品更新为当前订购的产品。
在一实施例中， 增值业务管理平台 10还设置为：
扣除月租时， 如果扣除月租不成功， 则根据余额为用户选择同一业务 梯次下低级别的产品为用户订购产品， 并将用户的原始订购需求中的用户 欲订购产品更新为当前订购的产品。 参照图 8, 为本实施例中， 增值业务订 购及计费的系统在月租扣费不成功时的处理流程图， 该流程依次包括以下 步驟：
步驟 801： 增值业务管理平台 10向在线计费子系统 20发送月租扣费请 求；
步驟 802: 在线计费子系统 20反馈扣费应答； 这里， 所述扣费应答中包 含用户余额。
步驟 803: 如果余额不足， 则增值业务管理平台 10根据原始需求调整用 户订购产品并批价；
步驟 804: 增值业务管理平台 10再次向在线计费子系统 20发送月租扣费 请求； 该扣费请求中包含调整后的产品租金。
步驟 805: 在线计费子系统 20再次反馈扣费应答； 这里， 所述扣费应答 中包含扣费成功的消息。
步驟 806: 扣费成功后增值业务管理平台 10根据调整后的梯次级别的产 品更新订购关系。
以上仅为本发明的优选实施例， 并非因此限制本发明的专利范围， 凡 是利用本发明说明书及附图内容所作的等效结构或等效流程变换， 或直接 或间接运用在其他相关的技术领域， 均同理包括在本发明的专利保护范围 内。
Claims
1、 一种增值业务订购及计费的方法， 其中， 所述方法包括以下步驟： 用户选择订购产品；
按用户的选择发送扣费请求以对用户账户扣费；
如果用户账户的余额不足， 则根据余额为用户选择同一业务梯次下低 级别的产品， 并重新发送扣费请求以对用户账户扣费。
2、 如权利要求 1所述的方法， 其中， 在执行所有步驟之后所述方法还 包括：
扣除月租时， 如果所订购的产品非用户原始欲订购的产品， 但月租扣 除成功并且用户账户携带余额， 则在各梯次产品之间选择与所述用户原始 欲订购的产品匹配程度最高的产品为当前订购产品；
发送差价补扣请求从余额中补扣当前订购产品的月租与已扣除的月租 之间的差价；
根据差价补扣结果， 更新用户原始欲订购的产品的级别。
3、 如权利要求 1所述的方法， 其中， 在执行所有步驟之后所述方法还 包括：
扣除月租时， 如果扣除月租不成功， 则根据余额为用户选择同一业务 梯次下低级别的产品， 并将用户原始欲订购的产品更新为当前订购的产品。
4、 如权利要求 2所述的方法， 其中， 所述根据差价补扣结果， 更新用 户原始欲订购的产品的级别， 包括：
如果差价补扣成功， 则将用户原始欲订购的产品的级别更新为当前订 购产品的级别； 如果差价补扣失败， 则维持用户原始欲订购的产品的级别 为已扣月租的产品级别。
5、 如权利要求 1至 4中任一项所述的方法， 其中， 所述对用户账户扣费 包括： 发送扣费请求前， 提示用户是否同意本次扣费；
在收到用户同意本次扣费的信息后发送扣费请求；
扣费成功后， 生成用户与产品的订购关系， 记录用户原始欲订购的产 品， 并反馈给用户订购成功的响应。
6、 一种增值业务管理平台， 其中， 所述增值业务管理平台包括： 选择窗口， 设置为用户选择订购产品；
扣费请求发送模块， 设置为按用户的选择发送扣费请求以对用户账户 扣费；
调整模块， 设置为如果用户账户的余额不足， 则根据余额为用户选择 同一业务梯次下低级别的产品， 并重新发送扣费请求以对用户账户扣费。
7、 如权利要求 6所述的增值业务管理平台， 其中， 所述调整模块还设 置为：
扣除月租时， 如果所订购的产品非用户原始欲订购的产品， 但月租扣 除成功并且用户账户携带余额， 则在各梯次产品之间选择与所述用户原始 欲订购的产品匹配程度最高的产品为当前订购产品；
发送差价补扣请求从余额中补扣当前订购产品的月租与已扣除的月租 之间的差价；
根据差价补扣结果， 更新用户原始欲订购的产品的级别。
8、 如权利要求 6所述的增值业务管理平台， 其中， 所述调整模块还设 置为：
扣除月租时， 如果扣除月租不成功， 则根据余额为用户选择同一业务 梯次下低级别的产品， 并将用户原始欲订购的产品更新为当前订购的产品。
9、 如权利要求 7所述的增值业务管理平台， 其中， 所述调整模块还设 置为： 如果差价补扣成功， 则将用户原始欲订购的产品的级别更新为当前 订购产品的级别； 如果差价补扣失败， 则维持用户原始欲订购的产品的级 别为已扣月租的产品级别。
10、 如权利要求 6至 9中任一项所述的增值业务管理平台， 其中， 所述 调整模块还设置为：
发送扣费请求前， 提示用户是否同意本次扣费；
在收到用户同意本次扣费的信息后发送扣费请求；
扣费成功后， 生成用户与产品的订购关系， 记录用户原始欲订购的产 品， 并反馈给用户订购成功的响应。
11、 一种增值业务订购及计费的系统， 包括增值业务管理平台和在线 计费子系统， 所述在线计费子系统设置为根据增值业务管理平台发送的扣 费请求对用户账户进行扣费， 其中， 所述增值业务管理平台为权利要求 6至 10中任一项所述的所述增值业务管理平台。
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