WO2018053734A1 - 虚拟sim卡终端及其付费方法、装置和计算机存储介质 - Google Patents

虚拟sim卡终端及其付费方法、装置和计算机存储介质 Download PDF

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Publication number
WO2018053734A1
WO2018053734A1 PCT/CN2016/099651 CN2016099651W WO2018053734A1 WO 2018053734 A1 WO2018053734 A1 WO 2018053734A1 CN 2016099651 W CN2016099651 W CN 2016099651W WO 2018053734 A1 WO2018053734 A1 WO 2018053734A1
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WO
WIPO (PCT)
Prior art keywords
sim card
virtual sim
terminal
payment
bill
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PCT/CN2016/099651
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English (en)
French (fr)
Inventor
邱振辉
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中兴通讯股份有限公司
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Application filed by 中兴通讯股份有限公司 filed Critical 中兴通讯股份有限公司
Priority to PCT/CN2016/099651 priority Critical patent/WO2018053734A1/zh
Publication of WO2018053734A1 publication Critical patent/WO2018053734A1/zh

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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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication 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
    • H04W8/00—Network data management
    • H04W8/18—Processing of user or subscriber data, e.g. subscribed services, user preferences or user profiles; Transfer of user or subscriber data

Definitions

  • the present invention relates to a terminal payment technology, and in particular, to a SIM (Subscriber Identity Module) card terminal, a payment method, apparatus, and computer storage medium.
  • SIM Subscriber Identity Module
  • the terminal supporting the virtual SIM card allows the user to directly access the wireless network service of the operator without using the traditional SIM card, and can easily solve the traditional SIM card. Roaming problem.
  • the virtual SIM card can not only cancel the SIM card slot in the traditional terminal, but also make the terminal lighter and even allow the user to conveniently select the network operator. Due to the difference between virtual SIM cards and traditional SIM cards, virtual SIM cards bring new business functions and new terminal products to the traditional communications industry. Related terminal and system platform solutions supporting virtual SIM cards attract the attention and use of more and more operators and users.
  • the existing traditional SIM card payment scheme is based on the SIM card, and one SIM card corresponds to one number, and the user needs to go to the corresponding operator business hall when paying the fee.
  • the number corresponding to the traditional SIM card is used for the bill settlement service, or the bill of the number corresponding to the traditional SIM card is manually paid to the corresponding operator through the third-party payment platform.
  • the virtual SIM card may be assigned a plurality of numbers belonging to different operators under the account of the virtual SIM card, and if the traditional SIM card payment scheme is still used, each number is separately performed.
  • embodiments of the present invention are directed to providing a virtual SIM card terminal, a payment method, apparatus, and computer storage medium.
  • a method for paying for a virtual SIM card terminal comprising:
  • Receiving payment mode configuration information where the payment mode configuration information carries a terminal identity identifier and a terminal payment mode;
  • the generating, according to the received virtual SIM card service information carrying the terminal identity, the user bill of the virtual SIM card terminal corresponding to the terminal identity including:
  • the total cost of the service bill corresponding to each communication carrier is used as the user bill of the virtual SIM card terminal corresponding to the terminal identity.
  • the receiving payment mode configuration information includes:
  • the payment mode configuration information carries a terminal identity identifier and a terminal payment mode
  • the terminal payment mode includes at least one payment mode: virtual SIM Card account payment, bank card payment;
  • the payment method configuration information further carries the bank card information applied to the bank card payment; correspondingly, the payment of the terminal identity identifier according to the terminal payment mode Before the user bill of the corresponding virtual SIM card terminal, the method further includes:
  • the user bill of the virtual SIM card terminal corresponding to the terminal identity identifier is obtained according to the terminal payment manner, and the method includes:
  • the third-party payment platform applies the bank card to pay the user bill of the virtual SIM card terminal corresponding to the terminal identity to the virtual SIM card operator; and receives the user bill payment completion information sent by the third-party payment platform.
  • the method further includes:
  • a method for paying for a virtual SIM card terminal comprising:
  • the payment mode configuration information carries a terminal identity identifier and a terminal payment mode, where the payment mode configuration information is used to enable the virtual SIM card charging management server according to the The terminal payment method pays a user bill of the virtual SIM card terminal corresponding to the terminal identity.
  • the payment mode configuration sent to the virtual SIM card charging management server Information including:
  • the terminal payment method includes at least one of the following payment methods: virtual SIM card account payment, bank card payment.
  • the method further includes:
  • a payment device for a virtual SIM card terminal comprising:
  • the bill generating unit is configured to generate a user bill of the virtual SIM card terminal corresponding to the terminal identifier according to the received virtual SIM card service information carrying the terminal identifier;
  • the first receiving unit is configured to receive the payment mode configuration information, where the payment mode configuration information carries the terminal identity identifier and the terminal payment mode;
  • the bill payment unit is configured to pay the user bill of the virtual SIM card terminal corresponding to the terminal identity generated by the bill generating unit according to the terminal payment manner received by the first receiving unit.
  • the bill generating unit is configured to generate a service bill of each communication carrier of the virtual SIM card terminal corresponding to the terminal identifier according to the received virtual SIM card service information carrying the terminal identifier;
  • the total cost of the service bill corresponding to each communication carrier is used as the user bill of the virtual SIM card terminal corresponding to the terminal identity.
  • the first receiving unit is configured to receive and decrypt the encrypted payment mode configuration information sent by the virtual SIM card terminal;
  • the terminal payment mode includes at least one payment mode: a virtual SIM card account payment, Bank card payment;
  • the payment method configuration information further carries the bank card information applied to the bank card payment;
  • the device further includes a first sending unit;
  • the first sending unit is configured to encrypt the bank card information in the payment mode configuration information received by the first receiving unit, and send the card information to a third-party payment platform, where the bank card information is used by the third party
  • the payment platform performs bank card legality verification and transaction authorization
  • the first receiving unit is further configured to receive bank card legality and transaction authorization information sent by the third-party payment platform.
  • the bill payment unit is further configured to apply a virtual SIM card account corresponding to the terminal identifier to pay a user bill of the virtual SIM card terminal corresponding to the terminal identifier to the virtual SIM card operator;
  • the bill payment unit is further configured to encrypt the user bill of the virtual SIM card terminal corresponding to the generated terminal identifier and the bank card information received by the first receiving unit, and send the information to the third-party payment platform.
  • the user bill of the virtual SIM card terminal corresponding to the terminal identity and the bank card information are configured to apply the bank card to the third party payment platform to pay the user account of the virtual SIM card terminal corresponding to the terminal identity to the virtual SIM card.
  • the first receiving unit is further configured to receive user bill payment completion information sent by the third-party payment platform.
  • the device further includes: a first sending unit, where
  • the first sending unit is configured to: the user bill of the virtual SIM card terminal corresponding to the terminal identity generated by the bill generating unit, and the bill payment unit paying the user bill of the virtual SIM card terminal corresponding to the terminal identifier The payment result is sent to the virtual SIM card terminal.
  • a virtual SIM card terminal comprising:
  • a processing unit configured to acquire payment mode configuration information of the virtual SIM card terminal
  • a second sending unit configured to send the processing order to a virtual SIM card charging management server a payment method configuration information obtained by the element;
  • the payment mode configuration information carries a terminal identity identifier and a terminal payment mode, where the payment mode configuration information is used to enable the virtual SIM card charging management server to pay according to the terminal payment mode.
  • the user bill of the virtual SIM card terminal corresponding to the terminal identity.
  • the second sending unit is configured to send, to the virtual SIM card charging management server, the encrypted payment mode configuration information acquired by the processing unit; the terminal payment mode includes at least one payment mode: virtual SIM Card account payment, bank card payment.
  • the virtual SIM card terminal further includes: a second receiving unit, where
  • the second receiving unit is configured to receive a user bill of the virtual SIM card terminal and a payment result of a user bill of the virtual SIM card terminal sent by the virtual SIM card charging management server.
  • a computer storage medium comprising a set of instructions that, when executed, cause at least one processor to perform a payment method of the virtual SIM card terminal described above.
  • the embodiment of the invention provides a virtual SIM card terminal, a payment method, a device and a computer storage medium.
  • the user only needs to send a payment mode configuration information to the virtual SIM card charging management server through the virtual SIM card terminal; correspondingly, the virtual After the SIM card charging management server generates the user bill of the virtual SIM terminal, the user bill of the virtual SIM card terminal is paid according to the payment method in the payment mode configuration information, compared with the payment for each number in the prior art.
  • the method of the embodiment of the present invention pays the user bill of the virtual SIM card terminal once for the virtual SIM card terminal, and the operation is simple, and the user needs to be intelligent and user-friendly, that is, the user bill settlement can be performed more intelligently and humanizedly. business.
  • FIG. 1 is a schematic flowchart of a method for paying for a virtual SIM card terminal according to Embodiment 1 of the present invention
  • FIG. 2 is a block diagram of a payment system of a virtual SIM card terminal according to Embodiment 2 of the present invention.
  • FIG. 3 is a schematic flowchart of a method for paying for a virtual SIM card terminal according to Embodiment 2 of the present invention.
  • FIG. 4 is a structural block diagram of a payment apparatus of a virtual SIM card terminal according to Embodiment 3 of the present invention.
  • FIG. 5 is a structural block diagram of a virtual SIM card terminal according to Embodiment 3 of the present invention.
  • the virtual SIM card terminal sends the payment mode configuration information to the virtual SIM card charging management server; after the virtual SIM card charging management server generates the user bill of the virtual SIM terminal, according to the payment mode configuration information.
  • the payment method pays the user bill of the virtual SIM card terminal.
  • the embodiment of the present invention provides a method for paying for a virtual SIM card terminal, which is applied to a virtual SIM card charging management server.
  • the processing procedure of the method in this embodiment includes the following steps:
  • Step 101 Generate, according to the received virtual SIM card service information carrying the terminal identity, a user bill of the virtual SIM card terminal corresponding to the terminal identity.
  • the virtual SIM card service information of the virtual SIM card terminal is sent by the virtual SIM card service management server;
  • the virtual SIM card service management server is a server responsible for implementing the virtual SIM card operator to provide related service functions to the virtual SIM card terminal, and an example
  • the virtual SIM card terminal uses a domestic mobile number in China.
  • the virtual SIM card service management The server will assign the virtual SIM card terminal a number suitable for the country's communication network, and the virtual SIM card terminal will apply the newly assigned number to the voice industry in the country.
  • the service of the Internet service, and the virtual SIM card service management server sends the virtual SIM card service information of the virtual SIM card terminal to the virtual SIM card charging management server.
  • the virtual SIM card service information carries a terminal identity identifier, where the terminal identity indicates a virtual SIM card terminal corresponding to the virtual SIM card service information.
  • the virtual SIM card charging management server may calculate a fee corresponding to the virtual SIM card service according to the virtual SIM card service information, and further generate a user bill of the virtual SIM card terminal corresponding to the terminal identity.
  • the virtual SIM card charging management server triggers the billing transaction settlement process according to the related configuration of the virtual SIM card terminal's payment policy, etc.
  • the related policy here may be paying by day or monthly, and if paying by day, virtual SIM card charging
  • the management server generates the user bill of the virtual SIM card terminal described in this day every day, and then performs the payment process; if paying monthly, the virtual SIM card charging management server can generate the virtual SIM described in this month on the last day of the month. The user bill of the card terminal, and then the payment process.
  • the virtual SIM card charging management server may carry the identity of the terminal according to the receipt.
  • the identified virtual SIM card service information generates a service bill of each communication carrier of the virtual SIM card terminal corresponding to the terminal identity identifier; and the total cost of the service bill corresponding to each communication carrier is used as the terminal identifier User bill for the virtual SIM card terminal.
  • the virtual SIM card service information of the virtual SIM card terminal sent by the SIM card service management server performs the A1 service, the A2 service, and the A3 service for the number A under the mobile operator
  • the virtual SIM card charging management server is based on
  • the mobile operator's service bill can be generated: A1 service + A2 service + A3 service total 20 yuan; similarly, the telecom operator Business bill: B1 business + B2 business + B3 business total 20 yuan, Unicom operator's business bill: C1 business + C2 business + C3 business total 20 yuan.
  • Virtual SIM card terminal The user bill is 60 yuan for the total cost of the business bill corresponding to each communication carrier.
  • Step 102 Receive payment mode configuration information.
  • the payment mode configuration information is sent by the virtual SIM card terminal.
  • the payment mode configuration information carries the terminal identity identifier and the terminal payment mode.
  • the payment mode configuration information of the virtual SIM card terminal stored in the virtual SIM card charging management server is configured by the virtual SIM card terminal, and the user of the virtual SIM card terminal can be configured according to its actual situation, and then sent by the virtual SIM card terminal to the virtual SIM card terminal.
  • the payment method configuration information carries a terminal identity identifier and a terminal payment mode, and the terminal payment mode includes at least one of the following payment methods: virtual SIM card account payment, and bank card payment.
  • the payment method configuration information further carries the bank card information applied to the bank card payment, which is generally the card number of the bank card.
  • the virtual SIM card account is an account corresponding to the virtual SIM card terminal, that is, one terminal identity corresponds to one virtual SIM card account, and the virtual SIM card account is used to pay the fee generated by the virtual SIM card terminal for various services, and the bank card payment is
  • the virtual SIM card terminal is bound with a bank card, and the bank card is used to pay the fee generated by the virtual SIM card terminal for various services.
  • Step 103 Pay a user bill of the virtual SIM card terminal corresponding to the terminal identity identifier according to the terminal payment manner.
  • the payment mode in the payment mode configuration information of the virtual SIM card terminal is a virtual SIM card account payment, and the virtual SIM card charging management server applies the virtual SIM card account payment corresponding to the terminal identity identifier; the virtual SIM card
  • the payment method in the payment mode configuration information of the terminal is bank card payment, and the virtual SIM card charging management server applies the bank card for transaction settlement. If the payment mode in the payment mode configuration information of the virtual SIM card terminal is first paid by the virtual SIM card account, and the virtual SIM card account balance is insufficient, the virtual SIM card charging management server uses the virtual SIM card. The account is used for transaction settlement. If the balance of the virtual SIM card account is insufficient, the virtual SIM card billing management server applies the bank card for transaction. Settlement.
  • the virtual SIM card account is used for transaction settlement.
  • Each virtual SIM card terminal corresponds to a virtual SIM card account, and is also identified by the terminal identity identifier; the virtual SIM card charging management server will configure information according to the received payment method.
  • the virtual SIM card account mode is used to pay the user bill of the virtual SIM card terminal corresponding to the terminal identity in the payment mode configuration information, and the virtual SIM card charging management server applies the virtual SIM card account corresponding to the terminal identity to pay the terminal identity.
  • the user bill of the corresponding virtual SIM card terminal is identified to the virtual SIM card operator.
  • the virtual SIM card charging management server encrypts the user bill of the virtual SIM card terminal corresponding to the terminal identity and the bank card information, and sends the card to the third-party payment platform for bill settlement.
  • the third-party payment platform communicates with the business server in the bank's back-office through the bank-specific network, and obtains the confirmation of the payment transaction authorization after verification by the issuing institution of the bank card. After obtaining the bank payment settlement confirmation, the bank card is applied by the bank's financial special network.
  • the user bill of the virtual SIM card terminal corresponding to the payment terminal identifier is sent to the virtual SIM card operator, and then the third party payment platform sends the user bill payment completion information to the virtual SIM card billing management server.
  • the fees are paid to the respective communication carriers on the virtual SIM card terminal according to a predetermined rule.
  • the predetermined rules described herein are obtained by negotiation between the virtual SIM card operator and each communication carrier.
  • the embodiment of the present invention provides a method for paying for a virtual SIM card terminal, which is applied to a virtual SIM card terminal.
  • the processing procedure of the method in this embodiment includes the following steps:
  • Step S1 Obtain payment mode configuration information of the virtual SIM card terminal
  • Step S2 Send payment mode configuration information to the virtual SIM card charging management server.
  • the payment mode configuration information carries a terminal identity identifier and a terminal payment mode, where the payment mode configuration information is used to enable the virtual SIM card charging management server to pay according to the terminal.
  • the method pays a user bill of the virtual SIM card terminal corresponding to the terminal identity.
  • the user only needs to send a payment mode configuration information to the virtual SIM card charging management server through the virtual SIM card terminal, so that after the virtual SIM card charging management server generates the user bill of the virtual SIM terminal, the user will follow the The payment method in the payment mode configuration information is used to pay the user bill of the virtual SIM card terminal.
  • the method in this embodiment pays the virtual SIM card once for the virtual SIM card terminal.
  • the user bill of the terminal is simple to operate and meets the needs of intelligent and humanized users.
  • the embodiment of the present invention provides a method for paying for a virtual SIM card terminal.
  • the method is implemented based on the payment system shown in FIG. 3.
  • the payment system includes: a virtual SIM card terminal 201, and a wide area network 202.
  • the virtual SIM card terminal 201 may be a mobile broadband service (MBB, Mobile Broadband) product (such as a wireless router, a data card) and a mobile phone supporting a virtual SIM card.
  • MBB mobile broadband service
  • the virtual SIM card terminal 201 may pass through the wide area network 202 and the virtual SIM card.
  • the fee management server 203 and the virtual SIM card service management server 204 communicate.
  • the virtual SIM card charging management server 203 is a server in the virtual SIM card system responsible for realizing the implementation logic of the user payment processing related service, including: implementing a related payment mode configuration service of the virtual SIM card terminal, a user bill management service, and a user bill settlement service. .
  • the virtual SIM card service management server 204 is a server in the virtual SIM card system responsible for implementing the virtual SIM card operator to provide related service functions to the user.
  • the third-party payment platform 205 is a payment platform of the virtual SIM card operator agreement, and the virtual SIM card service management server 204 can complete the user payment-related transaction and settlement through the third-party payment platform 205, and the third-party payment platform 205 is responsible for completing the bank-specific transaction.
  • the network communicates with the business server in the background of the bank.
  • the processing flow of the method includes the following steps:
  • Step 301 The virtual SIM card terminal sends the payment mode configuration information of the virtual SIM card terminal to the virtual SIM card charging management server.
  • the payment method configuration information carries a terminal identity identifier and a terminal payment mode, and the terminal payment mode includes at least one of the following payment methods: virtual SIM card account payment, and bank card payment.
  • the payment method configuration information further carries the bank card information applied to the bank card payment, which is generally the card number of the bank card.
  • the virtual SIM card account is an account corresponding to the virtual SIM card terminal, and is used to pay the fee generated by the virtual SIM card terminal for performing various services.
  • the bank card payment is to bind a bank card to the virtual SIM card terminal, and use the bank card. To pay for the expenses incurred by the virtual SIM card terminal for various services.
  • the terminal identity may be a data certificate in the virtual SIM card terminal, or may be another identifier capable of identifying the identity of the virtual SIM card terminal.
  • the user can input the terminal payment mode selected by the user to the virtual SIM card terminal, and the terminal payment method can be a virtual SIM card account payment, which can be a bank card payment, or can be paid by using a virtual SIM card account first, in a virtual SIM card account.
  • the terminal payment method can be a virtual SIM card account payment, which can be a bank card payment, or can be paid by using a virtual SIM card account first, in a virtual SIM card account.
  • the bank card is used for payment, and the user can set it according to his actual situation.
  • the bank payment is included in the terminal payment method selected by the user, the user also needs to input the information of the bank card applied to the bank card payment to the virtual SIM card terminal, which is generally the card number of the bank card.
  • the data signature technology may be used to encrypt the payment mode configuration information, and then sent to the virtual SIM card charging management server.
  • the virtual SIM card terminal may be a MBB product (such as a wireless router, a data card) supporting a virtual SIM card and a terminal such as a mobile phone.
  • the virtual SIM card terminal may send the payment mode configuration information to the virtual SIM card charging management server through the wide area network.
  • the virtual SIM card charging management server After the virtual SIM card charging management server receives the payment mode configuration information, the number of applications is first applied.
  • the word signature technology decrypts the payment mode configuration information to obtain the terminal identity and the terminal payment method. If the terminal payment method includes bank card payment, step 302 is performed. If the terminal payment method does not include bank card payment, step 304 is performed.
  • Step 302 The virtual SIM card charging management server sends the bank card information in the payment mode configuration information to a third-party payment platform.
  • the virtual SIM card charging management server still uses the data signature technology to encrypt the bank card information, and then sends the card information to the third party payment platform.
  • Step 303 The third-party payment platform performs information verification and transaction authorization according to the bank card information, and sends the bank card information legal and authorized transaction information to the virtual SIM card charging management server.
  • the third-party payment platform communicates with the business server in the bank's back-office through the bank-specific network, and obtains confirmation of the payment transaction authorization after verifying from the issuing institution of the bank card according to the bank card information. After the card information is validated, the information about the legal and authorized transaction of the relevant bank card information is sent to the virtual SIM card charging management server, so that the virtual SIM card charging management server performs step 304.
  • the related error information is directly returned to the virtual SIM card charging management server, and the virtual SIM card charging management server notifies the virtual SIM card terminal that the bank card is illegal.
  • Step 304 The virtual SIM card charging management server updates the payment mode configuration information of the virtual SIM card terminal.
  • the virtual SIM card charging management server After receiving the payment mode configuration information, the virtual SIM card charging management server firstly uses the digital signature technology to decrypt the payment mode configuration information, and obtains the terminal identity identifier and the terminal payment mode. If the terminal payment method does not include the bank card payment, the virtual The SIM card charging management server updates and stores the payment mode configuration information, that is, the terminal payment method corresponding to the virtual SIM card terminal; if the terminal payment method does not include the bank card payment, the virtual SIM card is calculated. After the verification and authorization of the third-party payment platform in steps 302 and 303, the fee management server updates and stores the payment mode configuration information.
  • Step 305 The virtual SIM card charging management server receives the virtual SIM card service information that is sent by the virtual SIM card service management server and carries the terminal identity.
  • the virtual SIM card service management server is a server responsible for implementing a related service function provided by the virtual SIM card operator to the virtual SIM card terminal.
  • the virtual SIM card terminal uses a domestic mobile number in China when the virtual When the user of the SIM card terminal travels abroad to enter the communication network of the country, in order to solve the roaming problem of the traditional SIM card, the virtual SIM card service management server assigns the virtual SIM card terminal a number suitable for the communication network of the country.
  • the virtual SIM card terminal applies the newly assigned number to perform voice service, Internet access service, etc. in the country; and the virtual SIM card service management server sends the virtual SIM card service information performed by the virtual SIM card terminal to Virtual SIM card billing management server.
  • the virtual SIM card service information carries a terminal identity identifier, where the terminal identity indicates a virtual SIM card terminal corresponding to the virtual SIM card service information.
  • Step 306 The virtual SIM card charging management server generates a user bill of the virtual SIM card terminal corresponding to the terminal identity according to the virtual SIM card service information of the terminal identity.
  • the virtual SIM card charging management server may trigger a billing transaction settlement process according to a related configuration of the payment policy of the virtual SIM card terminal, where the related policy may be paying by day or monthly, and if paying by day, the virtual SIM card is calculated.
  • the fee management server will generate the user bill of the virtual SIM card terminal described in this day, and then perform the payment process; if paying monthly, the virtual SIM card billing management server can generate the virtual SIM described in this month on the last day of the month. The user bill of the card terminal, and then the payment process.
  • the virtual SIM card charging management server can generate the virtual SIM card terminal corresponding to the terminal identity according to the virtual SIM card service information that carries the terminal identity.
  • the service bill of each communication carrier; the total cost of the service bill corresponding to each communication carrier is used as the user bill of the virtual SIM card terminal corresponding to the terminal identity.
  • the virtual SIM card service information of the virtual SIM card terminal sent by the SIM card service management server performs the A1 service, the A2 service, and the A3 service for the number A under the mobile operator
  • the virtual SIM card charging management server is based on
  • the mobile operator's service bill can be generated: A1 service + A2 service + A3 service total 20 yuan; similarly, the telecom operator Business bill: B1 business + B2 business + B3 business total 20 yuan, Unicom operator's business bill: C1 business + C2 business + C3 business total 20 yuan.
  • the user bill of the virtual SIM card terminal is 60 yuan for the total cost of the business bill corresponding to each communication carrier.
  • Step 307 The virtual SIM card charging management server pays the user bill of the virtual SIM card terminal corresponding to the terminal identity according to the terminal payment mode.
  • the payment mode in the payment mode configuration information of the virtual SIM card terminal is a virtual SIM card account payment, and the virtual SIM card charging management server uses the virtual SIM card account to perform transaction settlement; the payment mode configuration information of the virtual SIM card terminal
  • the payment method in the middle is bank card payment, and the virtual SIM card billing management server applies the bank card for transaction settlement. If the payment mode in the payment mode configuration information of the virtual SIM card terminal is first paid by the virtual SIM card account, and the virtual SIM card account balance is insufficient, the virtual SIM card charging management server uses the virtual SIM card. The account is settled by the transaction. If the balance of the virtual SIM card account is insufficient, the virtual SIM card billing management server applies the bank card for transaction settlement.
  • the virtual SIM card account is used for transaction settlement.
  • Each virtual SIM card terminal corresponds to a virtual SIM card account, and is also identified by the terminal identity identifier; the virtual SIM card charging management server will configure information according to the received payment method.
  • Virtual SIM card account method Paying the user bill of the virtual SIM card terminal corresponding to the terminal identity in the payment mode configuration information, and the virtual SIM card charging management server applies the virtual SIM card account corresponding to the terminal identity to the virtual SIM card corresponding to the terminal identity
  • the user bill of the terminal is given to the virtual SIM card operator.
  • the virtual SIM card charging management server encrypts the user bill of the virtual SIM card terminal corresponding to the terminal identity and the bank card information, and sends the card to the third-party payment platform for bill settlement.
  • the third-party payment platform communicates with the business server in the bank's back-office through the bank-specific network, and obtains the confirmation of the payment transaction authorization after verification by the issuing institution of the bank card.
  • the bank card is applied by the bank's financial special network.
  • the user bill of the virtual SIM card terminal corresponding to the payment terminal identity is given to the virtual SIM card operator.
  • the fees are paid to the respective communication carriers on the virtual SIM card terminal according to a predetermined rule.
  • the predetermined rules described herein are obtained by negotiation between the virtual SIM card operator and each communication carrier.
  • the virtual SIM card charging management server pays the user bill of the virtual SIM card terminal according to the payment method in the payment mode configuration information
  • the user bill information of the virtual SIM card terminal is updated according to the current payment result, that is, Billing.
  • Step 308 The virtual SIM card charging management server notifies the virtual SIM card service management server of the payment result.
  • the virtual SIM card service management server processes the related virtual SIM card service corresponding to the virtual SIM card terminal according to the payment result of the virtual SIM card operator.
  • Step 309 The virtual SIM card charging management server sends the user bill of the virtual SIM card terminal and the payment result of the user bill for paying the virtual SIM card terminal to the virtual SIM card terminal.
  • virtual SIM card billing management server uses a virtual SIM card account to pay, then virtual The SIM card billing management server transmits information such as the user bill and the virtual SIM card account balance after paying the user bill of the virtual SIM card terminal to the virtual SIM card terminal.
  • the user bill of the virtual SIM card terminal is paid according to the payment method in the payment mode configuration information, which is related to the prior art.
  • the method of the embodiment of the present invention pays the user bill of the virtual SIM card terminal once for the virtual SIM card terminal, and the operation is simple, and the user needs to be intelligent and user-friendly.
  • the embodiment of the present invention further provides a payment device for a virtual SIM card terminal.
  • the device may be disposed on a virtual SIM card charging management server. As shown in FIG. 4, the device includes: a bill generating unit 401, and a first receiving. Unit 402, bill payment unit 403, wherein
  • the bill generating unit 401 is configured to generate a user bill of the virtual SIM card terminal corresponding to the terminal identifier according to the received virtual SIM card service information carrying the terminal identifier;
  • the first receiving unit 402 is configured to receive the payment mode configuration information, where the payment mode configuration information carries the terminal identity identifier and the terminal payment mode;
  • the bill payment unit 403 is configured to pay the user bill of the virtual SIM card terminal corresponding to the terminal identity generated by the bill generating unit 401 according to the terminal payment manner received by the first receiving unit 402.
  • the first receiving unit 402 is configured to receive and decrypt the encrypted payment mode configuration information sent by the virtual SIM card terminal; the payment mode configuration information carries the terminal identity identifier and the terminal payment mode, and the terminal payment
  • the method includes at least one of the following payment methods: virtual SIM card account payment, bank card payment.
  • the payment method configuration information further includes bank card information applied to the bank card payment; as shown in FIG. 4, the device further includes: a first sending unit 404 ,among them,
  • the first sending unit 404 is configured to send the bank card information in the payment mode configuration information received by the first receiving unit 402 to a third-party payment platform, where the bank card information is used by the third party
  • the payment platform performs bank card legality verification and transaction authorization
  • the first receiving unit 402 is further configured to receive the bank card legal and transaction authorization information sent by the third-party payment platform.
  • the bill payment unit 403 is specifically configured to apply a virtual SIM card account corresponding to the terminal identifier to pay a user bill of the virtual SIM card terminal corresponding to the terminal identifier to the virtual SIM card operator;
  • the bill payment unit 403 is configured to encrypt the user bill of the virtual SIM card terminal corresponding to the terminal identifier and the bank card information received by the first receiving unit 402, which are generated by the bill generating unit, and then send the bill information.
  • the first receiving unit 402 is further configured to receive user bill payment completion information sent by the third-party payment platform.
  • the first sending unit 404 is configured to: the user bill of the virtual SIM card terminal corresponding to the terminal identity generated by the bill generating unit 401 and the bill payment unit 403 to pay the virtual SIM card terminal corresponding to the terminal identity
  • the payment result of the user bill is sent to the virtual SIM card terminal.
  • a virtual SIM card terminal is also provided in the embodiment of the present invention. As shown in FIG. 5, the virtual The SIM card terminal includes a processing unit 501 and a second transmitting unit 502.
  • the processing unit 501 is configured to acquire payment mode configuration information of the virtual SIM card terminal.
  • the second sending unit 502 is configured to send the payment mode configuration information acquired by the processing unit 501 to the virtual SIM card charging management server; the payment mode configuration information carries the terminal identity identifier and the terminal payment mode, and the payment method The configuration information is used to enable the virtual SIM card charging management server to pay the user bill of the virtual SIM card terminal corresponding to the terminal identity according to the terminal payment mode.
  • the second sending unit 502 is configured to send the encrypted payment mode configuration information acquired by the processing unit 501 to the virtual SIM card charging management server; the terminal payment mode includes at least one payment mode: a virtual SIM card. Account payment, bank card payment.
  • the virtual SIM card terminal further includes: a second receiving unit, wherein the second receiving unit is configured to receive a user bill of the virtual SIM card terminal sent by the virtual SIM card charging management server and pay the virtual SIM The payment result of the user bill of the card terminal.
  • the bill generating unit 401, the first receiving unit 402, the bill payment unit 403, and the first sending unit 404 may be a central processing unit (CPU) and a microprocessor located on the virtual SIM card charging management server.
  • Device implementations such as (MPU), digital signal processor (DSP), or field programmable gate array (FPGA).
  • the processing unit 501 and the second sending unit 502 may be a central processing unit (CPU), a microprocessor (MPU), a digital signal processor (DSP) or a field programmable gate array (FPGA) located on the virtual SIM card terminal. And other device implementation.
  • embodiments of the present invention can be provided as a method, system, or computer program product. Accordingly, the present invention can take the form of a hardware embodiment, a software embodiment, or a combination of software and hardware. Moreover, the invention can take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage and optical storage, etc.) including computer usable program code.
  • the present invention is directed to a method, apparatus (system), and computer program in accordance with an embodiment of the present invention
  • the flow chart and/or block diagram of the product is described. It will be understood that each flow and/or block of the flowchart illustrations and/or FIG.
  • These computer program instructions can be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing device to produce a machine for the execution of instructions for execution by a processor of a computer or other programmable data processing device.
  • the computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction device.
  • the apparatus implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device.
  • the instructions provide steps for implementing the functions specified in one or more of the flow or in a block or blocks of a flow diagram.
  • an embodiment of the present invention further provides a computer storage medium, where the computer storage medium includes a set of instructions, when executing the instruction, causing at least one processor to execute the virtual virtual card charging management server side virtual A payment method of the SIM card terminal, or a payment method of the virtual SIM card terminal on the terminal side of the virtual SIM card.
  • the virtual SIM card terminal sends the payment mode configuration information to the virtual SIM card charging management server; correspondingly, after the virtual SIM card charging management server generates the user bill of the virtual SIM terminal, Paying the user's bill of the virtual SIM card terminal according to the payment method in the payment mode configuration information, compared with the prior art for paying for each number, the method of the embodiment of the present invention pays the virtual one for the virtual SIM card terminal.
  • the user bill of the SIM card terminal is simple to operate and meets the needs of intelligent and humanized users.

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Abstract

本发明实施例公开了一种虚拟SIM卡终端的付费方法，包括：根据收到的携带有终端身份标识的虚拟SIM卡业务信息生成终端身份标识对应的虚拟SIM卡终端的用户账单；接收支付方式配置信息，其中，所述支付方式配置信息中携带有终端身份标识以及终端支付方式；按照所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单。本发明实施例还公开了一种虚拟SIM卡终端的付费装置及虚拟SIM卡终端。

Description

虚拟SIM卡终端及其付费方法、装置和计算机存储介质 技术领域
本发明涉及终端付费技术，尤其涉及一种虚拟用户识别模块(SIM，Subscriber Identity Module)卡终端及其付费方法、装置和计算机存储介质。
背景技术
随着移动通信技术的迅速发展，虚拟SIM卡技术越来越成熟，支持虚拟SIM卡的终端可以让用户无需使用传统SIM卡，就可以直接访问运营商的无线网络服务，可以轻松解决传统SIM卡的漫游问题。相对传统SIM卡，虚拟SIM卡不仅可以取消传统终端中的SIM卡槽，让终端变得更轻巧，甚至可以让用户方便自主选择网络运营商。由于虚拟SIM卡和传统SIM卡实现的差异，虚拟SIM卡所带来新的业务功能和新的终端产品冲击着传统的通信行业。相关支持虚拟SIM卡的终端和系统平台方案吸引着越来越多运营商和用户的关注和使用。
目前，虚拟SIM卡的技术方案中没有虚拟SIM卡付费的方案，现有的传统SIM卡付费方案是基于SIM卡的，一个SIM卡对应一个号码，用户缴费时需要到相应的运营商营业厅对该传统SIM卡对应的号码办理账单结算业务，或者手动通过第三方支付平台向相应运营商支付该传统SIM卡对应的号码的账单。并且，虚拟SIM卡为了解决传统SIM卡的漫游问题，在所述虚拟SIM卡的账户下可能分配有多个属于不同运营商的号码，如果仍按照传统的SIM卡付费方案，分别对各个号码进行账单结算和缴费，则用户需要到各个运营商营业厅分别对各个号码办理用户账单结算业务，或者，手动通过第三方支付平台分别对各个号码进行在线交易支付；这样操作起来显然比较繁琐，无法满足用户智能化和人性化的需求。
发明内容
有鉴于此，本发明实施例期望提供一种虚拟SIM卡终端及其付费方法、装置和计算机存储介质。
本发明实施例的技术方案是这样实现的：
一种虚拟SIM卡终端的付费方法，所述方法包括：
根据收到的携带有终端身份标识的虚拟SIM卡业务信息生成终端身份标识对应的虚拟SIM卡终端的用户账单；
接收支付方式配置信息，其中，所述支付方式配置信息中携带有终端身份标识以及终端支付方式；
按照所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单。
上述方案中，所述根据收到的携带有终端身份标识的虚拟SIM卡业务信息生成终端身份标识对应的虚拟SIM卡终端的用户账单，包括：
根据收到携带有终端身份标识的虚拟SIM卡业务信息生成所述终端身份标识对应的虚拟SIM卡终端的各个通信运营商的业务账单；
将所述各个通信运营商对应的业务账单的总费用作为所述终端身份标识对应的虚拟SIM卡终端的用户账单。
上述方案中，所述接收支付方式配置信息包括：
接收并解密所述虚拟SIM卡终端发送的加密的支付方式配置信息；所述支付方式配置信息中携带有终端身份标识以及终端支付方式，所述终端支付方式包括以下至少一种支付方式：虚拟SIM卡账户支付，银行卡支付；
在所述终端支付方式中包括银行卡支付时，所述支付方式配置信息中还携带有应用于银行卡支付的银行卡信息；相应地，所述按照所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单之前，所述方法还包括：
将所述支付方式配置信息中的所述银行卡信息加密后发送给第三方支付平台，所述银行卡信息用于所述第三方支付平台进行银行卡合法性验证和交易授权；
接收所述第三方支付平台发送的银行卡合法和交易授权信息。
上述方案中，所述按照所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单，包括：
应用所述终端身份标识对应的虚拟SIM卡账户支付所述终端身份标识对应的虚拟SIM卡终端的用户账单给虚拟SIM卡运营商；
或者，
将终端身份标识对应的虚拟SIM卡终端的用户账单以及所述银行卡信息加密后发送给第三方支付平台，所述终端身份标识对应的虚拟SIM卡终端的用户账单以及所述银行卡信息用于所述第三方支付平台应用所述银行卡支付所述终端身份标识对应的虚拟SIM卡终端的用户账单给虚拟SIM卡运营商；接收所述第三方支付平台发送的用户账单支付完成信息。
上述方案中，在按照所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单之后，所述方法还包括：
将所述虚拟SIM卡终端的用户账单以及支付所述虚拟SIM卡终端的用户账单的支付结果发送给所述虚拟SIM卡终端。
一种虚拟SIM卡终端的付费方法，所述方法包括：
获取所述虚拟SIM卡终端的支付方式配置信息；
向虚拟SIM卡计费管理服务器发送支付方式配置信息；所述支付方式配置信息中携带有终端身份标识以及终端支付方式，所述支付方式配置信息用于使虚拟SIM卡计费管理服务器根据所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单。
上述方案中，所述向虚拟SIM卡计费管理服务器发送的支付方式配置 信息，包括：
向虚拟SIM卡计费管理服务器发送加密的支付方式配置信息；所述终端支付方式包括以下至少一种支付方式：虚拟SIM卡账户支付，银行卡支付。
上述方案中，所述向虚拟SIM卡计费管理服务器发送的支付方式配置信息之后，所述方法还包括：
接收虚拟SIM卡计费管理服务器发送的所述虚拟SIM卡终端的用户账单以及支付所述虚拟SIM卡终端的用户账单的支付结果。
一种虚拟SIM卡终端的付费装置，所述装置包括：
账单生成单元，配置为根据收到的携带有终端身份标识的虚拟SIM卡业务信息生成终端身份标识对应的虚拟SIM卡终端的用户账单；
第一接收单元，配置为接收支付方式配置信息，其中，所述支付方式配置信息中携带有终端身份标识以及终端支付方式；
账单支付单元，配置为按照所述第一接收单元接收到的所述终端支付方式支付所述账单生成单元生成的所述终端身份标识对应的虚拟SIM卡终端的用户账单。
上述方案中，所述账单生成单元，配置为根据收到携带有终端身份标识的虚拟SIM卡业务信息生成所述终端身份标识对应的虚拟SIM卡终端的各个通信运营商的业务账单；以及将所述各个通信运营商对应的业务账单的总费用作为所述终端身份标识对应的虚拟SIM卡终端的用户账单。
上述方案中，所述第一接收单元，配置为接收并解密所述虚拟SIM卡终端发送的加密的支付方式配置信息；所述终端支付方式包括以下至少一种支付方式：虚拟SIM卡账户支付，银行卡支付；
在所述终端支付方式中包括银行卡支付时，所述支付方式配置信息中还携带有应用于银行卡支付的银行卡信息；所述装置还包括第一发送单元；
所述第一发送单元，配置为将所述第一接收单元接收到的支付方式配置信息中的所述银行卡信息加密后发送给第三方支付平台，所述银行卡信息用于所述第三方支付平台进行银行卡合法性验证和交易授权；
所述第一接收单元，还配置为接收所述第三方支付平台发送的银行卡合法和交易授权信息。
上述方案中，所述账单支付单元，还配置为应用所述终端身份标识对应的虚拟SIM卡账户支付所述终端身份标识对应的虚拟SIM卡终端的用户账单给虚拟SIM卡运营商；
或者，
所述账单支付单元，还配置为将生成的终端身份标识对应的虚拟SIM卡终端的用户账单以及所述第一接收单元接收到的所述银行卡信息加密后发送给第三方支付平台，所述终端身份标识对应的虚拟SIM卡终端的用户账单以及所述银行卡信息配置为所述第三方支付平台应用所述银行卡支付所述终端身份标识对应的虚拟SIM卡终端的用户账单给虚拟SIM卡运营商；
所述第一接收单元，还配置为接收所述第三方支付平台发送的用户账单支付完成信息。
上述方案中，所述装置还包括：第一发送单元，其中，
所述第一发送单元，配置为将所述账单生成单元生成的终端身份标识对应的虚拟SIM卡终端的用户账单以及所述账单支付单元支付所述终端身份标识对应的虚拟SIM卡终端的用户账单的支付结果发送给所述虚拟SIM卡终端。
一种虚拟SIM卡终端，所述虚拟SIM卡终端包括：
处理单元，配置为获取所述虚拟SIM卡终端的支付方式配置信息；
第二发送单元，配置为向虚拟SIM卡计费管理服务器发送所述处理单 元获取的支付方式配置信息；所述支付方式配置信息中携带有终端身份标识以及终端支付方式，所述支付方式配置信息用于使虚拟SIM卡计费管理服务器根据所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单。
上述方案中，所述第二发送单元，配置为向虚拟SIM卡计费管理服务器发送加密的所述处理单元获取的支付方式配置信息；所述终端支付方式包括以下至少一种支付方式：虚拟SIM卡账户支付，银行卡支付。
上述方案中，所述虚拟SIM卡终端还包括：第二接收单元，其中，
所述第二接收单元，配置为接收虚拟SIM卡计费管理服务器发送的所述虚拟SIM卡终端的用户账单以及支付所述虚拟SIM卡终端的用户账单的支付结果。
一种计算机存储介质，所述计算机存储介质包括一组指令，当执行所述指令时，引起至少一个处理器执行上述的虚拟SIM卡终端的付费方法。
本发明实施例提供了一种虚拟SIM卡终端及其付费方法、装置和计算机存储介质，用户只需要通过虚拟SIM卡终端向虚拟SIM卡计费管理服务器发送一个支付方式配置信息；相应地，虚拟SIM卡计费管理服务器生成虚拟SIM终端的用户账单后，就会按照支付方式配置信息中的支付方式支付所述虚拟SIM卡终端的用户账单，与现有技术中针对每个号码进行付费相比，本发明实施例方法针对虚拟SIM卡终端，一次支付所述虚拟SIM卡终端的用户账单，操作简单，满足用户智能化和人性化的需求，即可以更加智能化和人性化地进行用户账单结算业务。
附图说明
图1为本发明实施例1提供的一种虚拟SIM卡终端的付费方法流程示意图；
图2为本发明实施例2提供的一种虚拟SIM卡终端的付费系统框图；
图3为本发明实施例2提供的一种虚拟SIM卡终端的付费方法流程示意图；
图4为本发明实施例3提供的一种虚拟SIM卡终端的付费装置的结构框图；
图5为本发明实施例3提供的一种虚拟SIM卡终端的结构框图。
具体实施方式
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述。
在本发明的各种实施例中：虚拟SIM卡终端向虚拟SIM卡计费管理服务器发送支付方式配置信息；虚拟SIM卡计费管理服务器生成虚拟SIM终端的用户账单后，按照支付方式配置信息中的支付方式支付所述虚拟SIM卡终端的用户账单。
实施例1
本发明实施例提供了一种虚拟SIM卡终端的付费方法，应用于虚拟SIM卡计费管理服务器，如图1所示，本实施例方法的处理流程包括以下步骤：
步骤101、根据收到的携带有终端身份标识的虚拟SIM卡业务信息生成终端身份标识对应的虚拟SIM卡终端的用户账单。
这里，虚拟SIM卡终端的虚拟SIM卡业务信息由虚拟SIM卡业务管理服务器发送；虚拟SIM卡业务管理服务器是负责实现虚拟SIM卡运营商给所述虚拟SIM卡终端提供相关业务功能的服务器，示例地，所述虚拟SIM卡终端在中国使用国内的移动号码，当所述虚拟SIM卡终端的用户去国外出差进入该国的通信网络时，为了解决传统SIM卡的漫游问题，虚拟SIM卡业务管理服务器就会给所述虚拟SIM卡终端分配一个适合该国通信网络的号码，所述虚拟SIM卡终端就会应用该新分配的号码在该国进行语音业 务、上网业务等业务；并且，虚拟SIM卡业务管理服务器会将所述虚拟SIM卡终端进行的虚拟SIM卡业务信息发送给虚拟SIM卡计费管理服务器。所述虚拟SIM卡业务信息中携带有终端身份标识，该终端身份表示用来标识该虚拟SIM卡业务信息对应的虚拟SIM卡终端。
虚拟SIM卡计费管理服务器可以根据所述虚拟SIM卡业务信息计算这些虚拟SIM卡业务对应的费用，进而生成所述终端身份标识对应的虚拟SIM卡终端的用户账单。
虚拟SIM卡计费管理服务器会根据虚拟SIM卡终端的付费策略等相关配置触发账单交易结算流程，这里的相关策略可以是按天付费或按月付费，若是按天付费，则虚拟SIM卡计费管理服务器会每天都生成本天所述虚拟SIM卡终端的用户账单，然后进行支付流程；若是按月付费，则虚拟SIM卡计费管理服务器可以在每月的最后一天生成本月所述虚拟SIM卡终端的用户账单，然后进行支付流程。
由于所述虚拟SIM卡终端可能在不同的时间段内处于不同的通信运营商的通信网络中，应用不同运营商下的号码进行通信，虚拟SIM卡计费管理服务器可以根据收到携带有终端身份标识的虚拟SIM卡业务信息生成所述终端身份标识对应的虚拟SIM卡终端的各个通信运营商的业务账单；将所述各个通信运营商对应的业务账单的总费用作为所述终端身份标识对应的虚拟SIM卡终端的用户账单。示例地，如SIM卡业务管理服务器发送的虚拟SIM卡终端的虚拟SIM卡业务信息为移动运营商下的号码A进行了A1业务、A2业务、A3业务，虚拟SIM卡计费管理服务器就会根据A1业务、A2业务、A3业务中各业务收费标准，计算移动运营商的业务花费，则可以生成移动运营商的业务账单：A1业务+A2业务+A3业务共20元；类似地，电信运营商的业务账单：B1业务+B2业务+B3业务共20元，联通运营商的业务账单：C1业务+C2业务+C3业务共20元。虚拟SIM卡终端 的用户账单为各个通信运营商对应的业务账单的总费用共60元。
步骤102、接收支付方式配置信息。
这里所述的支付方式配置信息由虚拟SIM卡终端发送；其中，所述支付方式配置信息中携带有终端身份标识以及终端支付方式。
虚拟SIM卡计费管理服务器中存储的虚拟SIM卡终端的支付方式配置信息是虚拟SIM卡终端配置的，虚拟SIM卡终端的用户可以根据自己的实际情况进行配置，然后由虚拟SIM卡终端发送给虚拟SIM卡计费管理服务器。所述支付方式配置信息中携带有终端身份标识以及终端支付方式，所述终端支付方式包括以下至少一种支付方式：虚拟SIM卡账户支付，银行卡支付。在所述终端支付方式中包括银行卡支付时，所述支付方式配置信息还携带有应用于银行卡支付的银行卡信息，一般为银行卡的卡号。虚拟SIM卡账户是虚拟SIM卡终端对应的一个账户，即一个终端身份标识对应一个虚拟SIM卡账户，虚拟SIM卡账户用来支付虚拟SIM卡终端进行各种业务产生的费用，银行卡支付则是给该虚拟SIM卡终端绑定一个银行卡，用该银行卡来支付虚拟SIM卡终端进行各种业务产生的费用。
步骤103、按照所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单。
所述虚拟SIM卡终端的支付方式配置信息中的支付方式为虚拟SIM卡账号支付，则虚拟SIM卡计费管理服务器应用所述终端身份标识对应的虚拟SIM卡账户支付所；所述虚拟SIM卡终端的支付方式配置信息中的支付方式为银行卡支付，则虚拟SIM卡计费管理服务器应用银行卡进行交易结算。若所述虚拟SIM卡终端的支付方式配置信息中的支付方式为先用虚拟SIM卡账户支付，在虚拟SIM卡账户余额不足时用银行卡支付，则虚拟SIM卡计费管理服务器使用虚拟SIM卡账号进行交易结算，若虚拟SIM卡账号余额不足结算失败，则虚拟SIM卡计费管理服务器再应用银行卡进行交易 结算。
使用虚拟SIM卡账户方式进行交易结算，每个虚拟SIM卡终端对应有一个虚拟SIM卡账户，也通过终端身份标识来对应标识；虚拟SIM卡计费管理服务器会根据接收到的支付方式配置信息中虚拟SIM卡账户方式来支付该支付方式配置信息中终端身份标识对应的虚拟SIM卡终端的用户账单，虚拟SIM卡计费管理服务器应用所述终端身份标识对应的虚拟SIM卡账户支付所述终端身份标识对应的虚拟SIM卡终端的用户账单给虚拟SIM卡运营商。
使用银行卡方式进行交易结算，虚拟SIM卡计费管理服务器将终端身份标识对应的虚拟SIM卡终端的用户账单以及所述银行卡信息加密后发送给第三方支付平台进行账单结算。第三方支付平台通过银行专用网络和银行后台的业务服务器进行通信，从银行卡的发行机构验证后得到支付交易授权的确认，得到银行支付结算确认后，借助银行的金融专用网应用所述银行卡支付终端身份标识对应的虚拟SIM卡终端的用户账单给虚拟SIM卡运营商，然后所述第三方支付平台将用户账单支付完成信息发送给虚拟SIM卡计费管理服务器。
虚拟SIM卡运营商获得这些费用后，会根据预定规则将这些费用支付给该虚拟SIM卡终端上的各个通信运营商。这里所述的预定规则由虚拟SIM卡运营商和各个通信运营商进行协商获得。
本发明实施例提供了一种虚拟SIM卡终端的付费方法，应用于虚拟SIM卡终端，本实施例方法的处理流程包括以下步骤：
步骤S1、获取所述虚拟SIM卡终端的支付方式配置信息；
步骤S2、向虚拟SIM卡计费管理服务器发送支付方式配置信息。
所述支付方式配置信息中携带有终端身份标识以及终端支付方式，所述支付方式配置信息用于使虚拟SIM卡计费管理服务器根据所述终端支付 方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单。
本实施例方法中，用户只需要通过虚拟SIM卡终端向虚拟SIM卡计费管理服务器发送一个支付方式配置信息，这样，虚拟SIM卡计费管理服务器生成虚拟SIM终端的用户账单后，就会按照支付方式配置信息中的支付方式支付所述虚拟SIM卡终端的用户账单，与现有技术中针对每个号码进行付费相比，本实施例方法针对虚拟SIM卡终端，一次支付所述虚拟SIM卡终端的用户账单，操作简单，满足用户智能化和人性化的需求。
实施例2
本发明实施例提供了一种虚拟SIM卡终端的付费方法，所述方法是基于图3所示的支付系统实现的，如图2所示，该支付系统包括：虚拟SIM卡终端201、广域网202、虚拟SIM卡计费管理服务器203、虚拟SIM卡业务管理服务器204、第三方支付平台205；其中，
虚拟SIM卡终端201，可以是支持虚拟SIM卡的移动宽带业务(MBB，Mobile Broadband)产品(如无线路由器，数据卡)和手机等终端，虚拟SIM卡终端201可以通过广域网202与虚拟SIM卡计费管理服务器203和虚拟SIM卡业务管理服务器204进行通信。
虚拟SIM卡计费管理服务器203，是虚拟SIM卡系统中负责实现用户付费处理相关业务实现逻辑的服务器，包括：实现虚拟SIM卡终端的相关支付方式配置业务，用户账单管理业务，用户账单结算业务。
虚拟SIM卡业务管理服务器204，是虚拟SIM卡系统中负责实现虚拟SIM卡运营商给用户提供相关业务功能的服务器。
第三方支付平台205，是虚拟SIM卡运营商协议的支付平台，虚拟SIM卡业务管理服务器204可以通过第三方支付平台205完成用户付费相关的交易和结算，第三方支付平台205负责完成与银行专用网络和银行后台的业务服务器相关通信。
如图3所示，所述方法的处理流程包括以下步骤：
支付方式配置流程步骤301-304：
步骤301、虚拟SIM卡终端向虚拟SIM卡计费管理服务器发送所述虚拟SIM卡终端的支付方式配置信息。
所述支付方式配置信息中携带有终端身份标识以及终端支付方式，所述终端支付方式包括以下至少一种支付方式：虚拟SIM卡账户支付，银行卡支付。在所述终端支付方式中包括银行卡支付时，所述支付方式配置信息还携带有应用于银行卡支付的银行卡信息，一般为银行卡的卡号。虚拟SIM卡账户是虚拟SIM卡终端对应的一个账户，用来支付虚拟SIM卡终端进行各种业务产生的费用，银行卡支付则是给该虚拟SIM卡终端绑定一个银行卡，用该银行卡来支付虚拟SIM卡终端进行各种业务产生的费用。
终端身份标识可以是虚拟SIM卡终端中的数据证书，也可以是其他能够识别虚拟SIM卡终端身份的标识。
用户可以向虚拟SIM卡终端输入用户选择的终端支付方式，所述终端支付方式可以是虚拟SIM卡账户支付，可以是银行卡支付，也可以是先用虚拟SIM卡账户支付，在虚拟SIM卡账户余额不足时用银行卡支付，用户可以根据自己的实际情况进行设定。在用户选择的终端支付方式中包括银行卡支付时，用户还需要向所述虚拟SIM卡终端输入应用于银行卡支付的银行卡的信息，一般为银行卡的卡号。
为了保证支付方式配置信息传输的安全性，可以采用数据签名技术对支付方式配置信息进行加密后，再发送给虚拟SIM卡计费管理服务器。
虚拟SIM卡终端可以是支持虚拟SIM卡的MBB产品(如无线路由器，数据卡)和手机等终端，虚拟SIM卡终端可以通过广域网向虚拟SIM卡计费管理服务器发送支付方式配置信息。
虚拟SIM卡计费管理服务器接收到支付方式配置信息后，首先应用数 字签名技术对支付方式配置信息进行解密，获得终端身份标识以及终端支付方式，如果终端支付方式中包括银行卡支付则进行步骤302，如果终端支付方式中未包括银行卡支付则进行步骤304。
步骤302、虚拟SIM卡计费管理服务器将所述支付方式配置信息中的所述银行卡信息发送给第三方支付平台。
在此过程中，所述虚拟SIM卡计费管理服务器仍然采用数据签名技术对银行卡信息进行加密后，再发送给第三方支付平台。
步骤303、第三方支付平台根据所述银行卡信息进行信息验证和交易授权，并将所述银行卡信息合法且授权交易的信息发送给虚拟SIM卡计费管理服务器。
第三方支付平台通过银行专用网络和银行后台的业务服务器进行通信，根据所述银行卡信息从该银行卡的发行机构验证后得到支付交易授权的确认。该银行卡信息确认合法有效后，将相关银行卡信息合法且授权交易的信息发送给虚拟SIM卡计费管理服务器，以使虚拟SIM卡计费管理服务器执行步骤304。
如相关银行卡信息不合法则直接返回相关错误信息给所述虚拟SIM卡计费管理服务器，由所述虚拟SIM卡计费管理服务器通知虚拟SIM卡终端该银行卡不合法。
步骤304、虚拟SIM卡计费管理服务器更新存储所述虚拟SIM卡终端的支付方式配置信息。
虚拟SIM卡计费管理服务器接收到支付方式配置信息后，首先应用数字签名技术对支付方式配置信息进行解密，获得终端身份标识以及终端支付方式，如果终端支付方式中未包括银行卡支付，则虚拟SIM卡计费管理服务器就更新存储所述支付方式配置信息，即对应存储其虚拟SIM卡终端的终端支付方式；如果终端支付方式中未包括银行卡支付则虚拟SIM卡计 费管理服务器在经过步骤302和303中第三方支付平台的验证和授权后，再更新存储所述支付方式配置信息。
上述支付方式配置流程结束后，可以进行以下步骤按照配置的支付方式完成支付流程：
步骤305、虚拟SIM卡计费管理服务器接收虚拟SIM卡业务管理服务器发送的携带有终端身份标识的虚拟SIM卡业务信息。
虚拟SIM卡业务管理服务器是负责实现虚拟SIM卡运营商给所述虚拟SIM卡终端提供的相关业务功能的服务器，示例地，所述虚拟SIM卡终端在中国使用国内的移动号码，当所述虚拟SIM卡终端的用户去国外出差进入该国的通信网络时，为了解决传统SIM卡的漫游问题，虚拟SIM卡业务管理服务器就会给所述虚拟SIM卡终端分配一个适合该国通信网络的号码，所述虚拟SIM卡终端就会应用该新分配的号码在该国进行语音业务、上网业务等业务；并且虚拟SIM卡业务管理服务器会将所述虚拟SIM卡终端进行的虚拟SIM卡业务信息发送给虚拟SIM卡计费管理服务器。所述虚拟SIM卡业务信息中携带有终端身份标识，该终端身份表示用来标识该虚拟SIM卡业务信息对应的虚拟SIM卡终端。
步骤306、虚拟SIM卡计费管理服务器根据所述终端身份标识的虚拟SIM卡业务信息生成终端身份标识对应的虚拟SIM卡终端的用户账单。
虚拟SIM卡计费管理服务器会根据所述虚拟SIM卡终端的付费策略等相关配置触发账单交易结算流程，这里的相关策略可以是按天付费或按月付费，若是按天付费则虚拟SIM卡计费管理服务器会每天都生成本天所述虚拟SIM卡终端的用户账单，然后进行支付流程；若是按月付费则虚拟SIM卡计费管理服务器可以在每月的最后一天生成本月所述虚拟SIM卡终端的用户账单，然后进行支付流程。
由于所述虚拟SIM卡终端可能在不同的时间段内处于不同的通信运营 商的通信网络中，应用不同运营商下的号码进行通信，虚拟SIM卡计费管理服务器可以根据收到携带有终端身份标识的虚拟SIM卡业务信息生成所述终端身份标识对应的虚拟SIM卡终端的各个通信运营商的业务账单；将各个通信运营商对应的业务账单的总费用作为所述终端身份标识对应的虚拟SIM卡终端的用户账单。示例地，如SIM卡业务管理服务器发送的虚拟SIM卡终端的虚拟SIM卡业务信息为移动运营商下的号码A进行了A1业务、A2业务、A3业务，虚拟SIM卡计费管理服务器就会根据A1业务、A2业务、A3业务中各业务收费标准，计算移动运营商的业务花费，则可以生成移动运营商的业务账单：A1业务+A2业务+A3业务共20元；类似的，电信运营商的业务账单：B1业务+B2业务+B3业务共20元，联通运营商的业务账单：C1业务+C2业务+C3业务共20元。虚拟SIM卡终端的用户账单为各个通信运营商对应的业务账单的总费用共60元。
步骤307、虚拟SIM卡计费管理服务器按照所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单。
所述虚拟SIM卡终端的支付方式配置信息中的支付方式为虚拟SIM卡账号支付，则虚拟SIM卡计费管理服务器使用虚拟SIM卡账号进行交易结算；所述虚拟SIM卡终端的支付方式配置信息中的支付方式为银行卡支付，则虚拟SIM卡计费管理服务器应用银行卡进行交易结算。若所述虚拟SIM卡终端的支付方式配置信息中的支付方式为先用虚拟SIM卡账户支付，在虚拟SIM卡账户余额不足时用银行卡支付，则虚拟SIM卡计费管理服务器使用虚拟SIM卡账号进行交易结算，若虚拟SIM卡账号余额不足结算失败，则虚拟SIM卡计费管理服务器再应用银行卡进行交易结算。
使用虚拟SIM卡账户方式进行交易结算，每个虚拟SIM卡终端对应有一个虚拟SIM卡账户，也通过终端身份标识来对应标识；虚拟SIM卡计费管理服务器会根据接收到的支付方式配置信息中虚拟SIM卡账户方式来支 付该支付方式配置信息中终端身份标识对应的虚拟SIM卡终端的用户账单，虚拟SIM卡计费管理服务器应用所述终端身份标识对应的虚拟SIM卡账户支付所述终端身份标识对应的虚拟SIM卡终端的用户账单给虚拟SIM卡运营商。
使用银行卡方式进行交易结算，虚拟SIM卡计费管理服务器将终端身份标识对应的虚拟SIM卡终端的用户账单以及所述银行卡信息加密后发送给第三方支付平台进行账单结算。第三方支付平台通过银行专用网络和银行后台的业务服务器进行通信，从银行卡的发行机构验证后得到支付交易授权的确认，得到银行支付结算确认后，借助银行的金融专用网应用所述银行卡支付终端身份标识对应的虚拟SIM卡终端的用户账单给虚拟SIM卡运营商。
虚拟SIM卡运营商获得这些费用后，会根据预定规则将这些费用支付给该虚拟SIM卡终端上的各个通信运营商。这里所述的预定规则由虚拟SIM卡运营商和各个通信运营商进行协商获得。
虚拟SIM卡计费管理服务器按照所述支付方式配置信息中的支付方式支付所述虚拟SIM卡终端的用户账单后，会根据本次支付结果更新所述虚拟SIM卡终端的用户账单信息，即重新计费。
步骤308、虚拟SIM卡计费管理服务器将支付结果通知虚拟SIM卡业务管理服务器。
虚拟SIM卡业务管理服务器会根据支付结果按照虚拟SIM卡运营商的业务逻辑处理策略处理对应虚拟SIM卡终端的相关虚拟SIM卡业务。
步骤309、虚拟SIM卡计费管理服务器将所述虚拟SIM卡终端的用户账单以及支付所述虚拟SIM卡终端的用户账单的支付结果发送给所述虚拟SIM卡终端。
如果虚拟SIM卡计费管理服务器时采用虚拟SIM卡账户支付，则虚拟 SIM卡计费管理服务器会将所述用户账单以及支付所述虚拟SIM卡终端的用户账单的后的虚拟SIM卡账户余额等信息发送给所述虚拟SIM卡终端。
在上述流程中，为了保证安全各个设备之间的数据交互都需要采用数字签名技术对传输的数据进行加密，可以采用终端身份标识进行数字签名，这样即保证了安全，又可以表明当前的步骤针对的虚拟SIM终端。
本实施例方法中，虚拟SIM卡计费管理服务器生成虚拟SIM终端的用户账单后，会按照支付方式配置信息中的支付方式支付所述虚拟SIM卡终端的用户账单，与现有技术中针对每个号码进行支付付费相比，本发明实施例方法针对虚拟SIM卡终端，一次支付所述虚拟SIM卡终端的用户账单，操作简单，满足用户智能化和人性化的需求。
实施例3
本发明实施例还提供了一种虚拟SIM卡终端的付费装置，该装置可以设置在虚拟SIM卡计费管理服务器上，如图4所示，所示装置包括：账单生成单元401、第一接收单元402、账单支付单元403，其中，
账单生成单元401，配置为根据收到的携带有终端身份标识的虚拟SIM卡业务信息生成终端身份标识对应的虚拟SIM卡终端的用户账单；
第一接收单元402，配置为接收支付方式配置信息，其中，所述支付方式配置信息中携带有终端身份标识以及终端支付方式；
账单支付单元403，配置为按照所述第一接收单元402接收到的所述终端支付方式支付所述账单生成单元401生成的终端身份标识对应的虚拟SIM卡终端的用户账单。
所述第一接收单元402，具体配置为接收并解密所述虚拟SIM卡终端发送的加密的支付方式配置信息；所述支付方式配置信息中携带有终端身份标识以及终端支付方式，所述终端支付方式包括以下至少一种支付方式：虚拟SIM卡账户支付，银行卡支付。
在所述终端支付方式中包括银行卡支付时，所述支付方式配置信息中还携带有应用于银行卡支付的银行卡信息；如图4所示，所述装置还包括：第一发送单元404，其中，
所述第一发送单元404，配置为将所述第一接收单元402接收到的支付方式配置信息中的所述银行卡信息发送给第三方支付平台，所述银行卡信息用于所述第三方支付平台进行银行卡合法性验证和交易授权；
所述第一接收单元402，还配置为接收所述第三方支付平台发送的银行卡合法和交易授权信息。
所述账单支付单元403，具体配置为应用所述终端身份标识对应的虚拟SIM卡账户支付所述终端身份标识对应的虚拟SIM卡终端的用户账单给虚拟SIM卡运营商；
或者，
所述账单支付单元403，具体配置为将所述账单生成单元生成的将终端身份标识对应的虚拟SIM卡终端的用户账单以及所述第一接收单元402接收到的所述银行卡信息加密后发送给第三方支付平台，所述终端身份标识对应的虚拟SIM卡终端的用户账单以及所述银行卡信息用于所述第三方支付平台应用所述银行卡支付所述终端身份标识对应的虚拟SIM卡终端的用户账单给虚拟SIM卡运营商；
所述第一接收单元402，还配置为接收所述第三方支付平台发送的用户账单支付完成信息。
所述第一发送单元404，配置为将所述账单生成单元401生成的终端身份标识对应的虚拟SIM卡终端的用户账单以及所述账单支付单元403支付所述终端身份标识对应的虚拟SIM卡终端的用户账单的支付结果发送给所述虚拟SIM卡终端。
本发明实施例中还提供了一种虚拟SIM卡终端，如图5所示，该虚拟 SIM卡终端包括：处理单元501和第二发送单元502。
处理单元501，配置为获取所述虚拟SIM卡终端的支付方式配置信息；
第二发送单元502，配置为向虚拟SIM卡计费管理服务器发送所述处理单元501获取的支付方式配置信息；所述支付方式配置信息中携带有终端身份标识以及终端支付方式，所述支付方式配置信息用于使虚拟SIM卡计费管理服务器根据所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单。
所述第二发送单元502，具体配置为向虚拟SIM卡计费管理服务器发送加密的所述处理单元501获取的支付方式配置信息；所述终端支付方式包括以下至少一种支付方式：虚拟SIM卡账户支付，银行卡支付。
所述虚拟SIM卡终端还包括：第二接收单元，其中，所述第二接收单元，配置为接收虚拟SIM卡计费管理服务器发送的所述虚拟SIM卡终端的用户账单以及支付所述虚拟SIM卡终端的用户账单的支付结果。
在实际应用中，所述账单生成单元401、第一接收单元402、账单支付单元403、第一发送单元404可以由位于虚拟SIM卡计费管理服务器上的中央处理器(CPU)、微处理器(MPU)、数字信号处理器(DSP)或现场可编程门阵列(FPGA)等器件实现。所述处理单元501、第二发送单元502可以由位于虚拟SIM卡终端上的中央处理器(CPU)、微处理器(MPU)、数字信号处理器(DSP)或现场可编程门阵列(FPGA)等器件实现。
本领域内的技术人员应明白，本发明的实施例可提供为方法、系统、或计算机程序产品。因此，本发明可采用硬件实施例、软件实施例、或结合软件和硬件方面的实施例的形式。而且，本发明可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器和光学存储器等)上实施的计算机程序产品的形式。
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序 产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
基于此，本发明实施例还提供了一种计算机存储介质，所述计算机存储介质包括一组指令，当执行所述指令时，引起至少一个处理器执行上述虚拟SIM卡计费管理服务器侧的虚拟SIM卡终端的付费方法，或者执行上述虚拟SIM卡终端侧的虚拟SIM卡终端的付费方法。
以上所述，仅为本发明的较佳实施例而已，并非用于限定本发明的保护范围。
工业实用性
虚拟SIM卡终端向虚拟SIM卡计费管理服务器发送支付方式配置信息；相应地，虚拟SIM卡计费管理服务器生成虚拟SIM终端的用户账单后， 按照支付方式配置信息中的支付方式支付所述虚拟SIM卡终端的用户账单，与现有技术中针对每个号码进行付费相比，本发明实施例方法针对虚拟SIM卡终端，一次支付所述虚拟SIM卡终端的用户账单，操作简单，满足用户智能化和人性化的需求。

Claims (17)

  1. 一种虚拟SIM卡终端的付费方法，所述方法包括：
    根据收到的携带有终端身份标识的虚拟SIM卡业务信息生成终端身份标识对应的虚拟SIM卡终端的用户账单；
    接收支付方式配置信息，其中，所述支付方式配置信息中携带有终端身份标识以及终端支付方式；
    按照所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单。
  2. 根据权利要求1所述的方法，其中，所述根据收到的携带有终端身份标识的虚拟SIM卡业务信息生成终端身份标识对应的虚拟SIM卡终端的用户账单，包括：
    根据收到携带有终端身份标识的虚拟SIM卡业务信息生成所述终端身份标识对应的虚拟SIM卡终端的各个通信运营商的业务账单；
    将所述各个通信运营商对应的业务账单的总费用作为所述终端身份标识对应的虚拟SIM卡终端的用户账单。
  3. 根据权利要求1所述的方法，其中，所述接收支付方式配置信息包括：
    接收并解密所述虚拟SIM卡终端发送的加密的支付方式配置信息；所述支付方式配置信息中携带有终端身份标识以及终端支付方式，所述终端支付方式包括以下至少一种支付方式：虚拟SIM卡账户支付，银行卡支付；
    在所述终端支付方式中包括银行卡支付时，所述支付方式配置信息中还携带有应用于银行卡支付的银行卡信息；相应地，所述按照所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单之前，所述方法还包括：
    将所述支付方式配置信息中的所述银行卡信息加密后发送给第三方支 付平台，所述银行卡信息用于所述第三方支付平台进行银行卡合法性验证和交易授权；
    接收所述第三方支付平台发送的银行卡合法和交易授权信息。
  4. 根据权利要求3所述的方法，其中，所述按照所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单，包括：
    应用所述终端身份标识对应的虚拟SIM卡账户支付所述终端身份标识对应的虚拟SIM卡终端的用户账单给虚拟SIM卡运营商；
    或者，
    将终端身份标识对应的虚拟SIM卡终端的用户账单以及所述银行卡信息加密后发送给第三方支付平台，所述终端身份标识对应的虚拟SIM卡终端的用户账单以及所述银行卡信息用于所述第三方支付平台应用所述银行卡支付所述终端身份标识对应的虚拟SIM卡终端的用户账单给虚拟SIM卡运营商；接收所述第三方支付平台发送的用户账单支付完成信息。
  5. 根据权利要求1所述的方法，其中，在按照所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单之后，所述方法还包括：
    将所述虚拟SIM卡终端的用户账单以及支付所述虚拟SIM卡终端的用户账单的支付结果发送给所述虚拟SIM卡终端。
  6. 一种虚拟SIM卡终端的付费方法，所述方法包括：
    获取所述虚拟SIM卡终端的支付方式配置信息；
    向虚拟SIM卡计费管理服务器发送支付方式配置信息；所述支付方式配置信息中携带有终端身份标识以及终端支付方式，所述支付方式配置信息用于使虚拟SIM卡计费管理服务器根据所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单。
  7. 根据要求6所述的方法，其中，所述向虚拟SIM卡计费管理服务器 发送支付方式配置信息，包括：
    向虚拟SIM卡计费管理服务器发送加密的支付方式配置信息；所述终端支付方式包括以下至少一种支付方式：虚拟SIM卡账户支付，银行卡支付。
  8. 根据要求6所述的方法，其中，所述向虚拟SIM卡计费管理服务器发送的支付方式配置信息之后，所述方法还包括：
    接收虚拟SIM卡计费管理服务器发送的所述虚拟SIM卡终端的用户账单以及支付所述虚拟SIM卡终端的用户账单的支付结果。
  9. 一种虚拟SIM卡终端的付费装置，所述装置包括：
    账单生成单元，配置为根据收到的携带有终端身份标识的虚拟SIM卡业务信息生成终端身份标识对应的虚拟SIM卡终端的用户账单；
    第一接收单元，配置为接收支付方式配置信息，其中，所述支付方式配置信息中携带有终端身份标识以及终端支付方式；
    账单支付单元，配置为按照所述第一接收单元接收到的所述终端支付方式支付所述账单生成单元生成的所述终端身份标识对应的虚拟SIM卡终端的用户账单。
  10. 根据权利要求9所述的装置，其中，
    所述账单生成单元，配置为根据收到携带有终端身份标识的虚拟SIM卡业务信息生成所述终端身份标识对应的虚拟SIM卡终端的各个通信运营商的业务账单；以及将所述各个通信运营商对应的业务账单的总费用作为所述终端身份标识对应的虚拟SIM卡终端的用户账单。
  11. 根据权利要求9所述的装置，其中，所述第一接收单元，配置为接收并解密所述虚拟SIM卡终端发送的加密的支付方式配置信息；所述终端支付方式包括以下至少一种支付方式：虚拟SIM卡账户支付，银行卡支付；
    在所述终端支付方式中包括银行卡支付时，所述支付方式配置信息中还携带有应用于银行卡支付的银行卡信息；所述装置还包括第一发送单元；
    所述第一发送单元，配置为将所述第一接收单元接收到的支付方式配置信息中的所述银行卡信息加密后发送给第三方支付平台，所述银行卡信息用于所述第三方支付平台进行银行卡合法性验证和交易授权；
    所述第一接收单元，还配置为接收所述第三方支付平台发送的银行卡合法和交易授权信息。
  12. 根据权利要求11所述的装置，其中，
    所述账单支付单元，配置为应用所述终端身份标识对应的虚拟SIM卡账户支付所述终端身份标识对应的虚拟SIM卡终端的用户账单给虚拟SIM卡运营商；
    或者，
    所述账单支付单元，配置为将生成的终端身份标识对应的虚拟SIM卡终端的用户账单以及所述第一接收单元接收到的所述银行卡信息加密后发送给第三方支付平台，所述终端身份标识对应的虚拟SIM卡终端的用户账单以及所述银行卡信息用于所述第三方支付平台应用所述银行卡支付所述终端身份标识对应的虚拟SIM卡终端的用户账单给虚拟SIM卡运营商；
    所述第一接收单元，还配置为接收所述第三方支付平台发送的用户账单支付完成信息。
  13. 根据权利要求9所述的装置，其中，所述装置还包括：第一发送单元，其中，
    所述第一发送单元，配置为将所述账单生成单元生成的终端身份标识对应的虚拟SIM卡终端的用户账单以及所述账单支付单元支付所述终端身份标识对应的虚拟SIM卡终端的用户账单的支付结果发送给所述虚拟SIM卡终端。
  14. 一种虚拟SIM卡终端，所述虚拟SIM卡终端包括：
    处理单元，配置为获取所述虚拟SIM卡终端的支付方式配置信息；
    第二发送单元，配置为向虚拟SIM卡计费管理服务器发送所述处理单元获取的支付方式配置信息；所述支付方式配置信息中携带有终端身份标识以及终端支付方式，所述支付方式配置信息用于使虚拟SIM卡计费管理服务器根据所述终端支付方式支付所述终端身份标识对应的虚拟SIM卡终端的用户账单。
  15. 根据要求14所述的虚拟SIM卡终端，其中，
    所述第二发送单元，配置为向虚拟SIM卡计费管理服务器发送加密的所述处理单元获取的支付方式配置信息；所述终端支付方式包括以下至少一种支付方式：虚拟SIM卡账户支付，银行卡支付。
  16. 根据要求14所述的虚拟SIM卡终端，其中，所述虚拟SIM卡终端还包括：第二接收单元，其中，
    所述第二接收单元，配置为接收虚拟SIM卡计费管理服务器发送的所述虚拟SIM卡终端的用户账单以及支付所述虚拟SIM卡终端的用户账单的支付结果。
  17. 一种计算机存储介质，所述计算机存储介质包括一组指令，当执行所述指令时，引起至少一个处理器执行如权利要求1至5任一项所述的虚拟SIM卡终端的付费方法，或者执行如权利要求6至8任一项所述的虚拟SIM卡终端的付费方法。
PCT/CN2016/099651 2016-09-21 2016-09-21 虚拟sim卡终端及其付费方法、装置和计算机存储介质 WO2018053734A1 (zh)

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