CN101087443A - Implementation method for payment service of Bank-Communication mobile phone - Google Patents

Abstract

The invention relates to a method for realizing the payment service of Yinxuntong mobile phone. The telecommunication network at least includes any one of 2.5G and 3G telephone networks such as fixed telephone network, GSM mobile telephone network, GPRS, and CDMA, and combines the current There is a Yinxuntong service platform with mature technology, which is characterized in that the method includes the following steps: (A) after the payment mobile phone user and the operator determine the cooperative relationship, determine the mobile phone number and the UnionPay card to bind the Yinxuntong service; (B) ) The user of the bill payment mobile phone can pay for other network terminal users through the network terminal. After the payment is successful, the corresponding amount will be deducted from the user's UnionPay card account; (C) The operator regularly settles the agency fee and transfers the money directly to the mobile phone user UnionPay card account. The payment method is simple, fast and reliable, and can be widely used in mobile phone payment systems.

Description

The payment service of Bank-Communication mobile phone implementation method

Technical field

The present invention relates in telecommunications network, provide the field of service business, particularly relate to a kind of mobile phone bill payment operational approach of the expansion of in telecommunications network, merging the logical business platform of Yingxun of company of Unionpay and note net and realizing to network terminal client.

Background technology

Existing mobile phone bill payment business model is varied, and the most approaching technology is mainly based on Yunnan cell phone recharging service and the prepaid mobile phone recharging of Hangzhou Sai Bang company.

Yunnan cell phone recharging service flow process is as follows:

User and Yunnan provide a phone number and carry out data management in Yunnan mobile service systems after moving and determining cooperative relationship;

The user charges and supplements operation for the user by Yunnan mobile service administrative staff in operation system after guaranteed sum is supplemented (needing the user to move own charge site to Yunnan) with money;

The user can be other network terminals user bill payment with the note form by the network terminal, and bill payment success back is the corresponding amount of money of deduction in user's charge guaranteed sum, and the bill payment amount of money must not be greater than the charge real-time amount of guaranteed sum of user.

Move regularly in Yunnan and the user acts on behalf disbursement and sattlement.

Hangzhou Sai Bang company prepaid mobile phone recharging operation flow is as follows:

After user and Hangzhou Sai Bang company determine cooperative relationship, a phone number is provided and in the operation system of Hangzhou Sai Bang company, carries out data management;

The mode that the user adopts remittance or draws account to the bank outlets guarantee fund that will charge pays the account to appointment agricultural bank of Hangzhou Sai Bang company;

The user can be other network terminals user bill payment with the note form by the network terminal, and bill payment success back is the corresponding amount of money of deduction in user's charge guaranteed sum, and the bill payment amount of money must not be greater than the charge real-time amount of guaranteed sum of user.

Hangzhou Sai Bang company regular and user and operator's clearing.

More than two kinds of existing fee payment methods to operator and with there being certain limitation per family:

Yunnan cell phone recharging service:

There is management cost in operator, must has the special messenger to be in charge of and charge guarantee fund operation of user.

Exist the charge guaranteed sum to supplement trouble with money for the user, must move own site to Yunnan and supplement with money.

Hangzhou Sai Bang company prepaid mobile phone recharging business:

For the user of operator develop with management all in Hangzhou Sai Bang company, and at network terminal user be operator, promptly operator not have direct administration authority to the user;

Exist to guarantee problem charge guarantee fund's entry-into-force time for the user, it is different in size that non-agricultural bank remits money the site, stroke account etc. is operated to agricultural bank's account time.

The problem that exists jointly with Hangzhou Sai Bang company is moved in Yunnan:

The charge guarantee fund that the user paid must be special-purpose, process complexity in the time of need returning.

Summary of the invention

For overcoming the deficiency of existing fee payment method, purpose of the present invention just is to expand the mobile phone bill payment business of carrying out guarantee fund's management and allowing user's simple operation of need not in conjunction with the logical business platform of existing Yingxun, thereby solve the problem that above-mentioned two kinds of mobile phone bill payment operational approaches exist, utilize the strong advantage of SMS extensibility on this platform, to carry out twice exploitation simultaneously, can utilize STK card business function, smart mobile phone program function etc. further to improve mobile phone bill payment business.Easy and simple to handle, only need the input handset number and the amount of money of paying the fees, note exchanges, quick, accurately, save time.

The present invention is merged the logical business platform of Yingxun and STK card (STK is the abbreviation of English SIM Tool Kit, is called for short " STK ") but editor mode such as business and the mobile phone bill payment business of the expansion that realizes on the telecommunications network basis.

The implementation method of the payment service of Bank-Communication mobile phone of combining telecommunication net card number service of the present invention, this telecommunications network comprises any among 2.5G, the 3G telephone networks such as fixed-line telephone network, GSM mobile phone network, GPRS, CDMA at least, and, it is characterized in that this method comprises the steps: in conjunction with the logical business platform of the Yingxun of prior art maturation

(A) after bill payment cellphone subscriber and operator determine cooperative relationship, determine that phone number and interchanger carry out the logical business-binding of Yingxun;

(B) the bill payment cellphone subscriber can be other network terminals user bill payment by the network terminal, bill payment success back corresponding amount of money of deduction in user's interchanger account;

(C) operator's term settlement is acted on behalf expense and is directly remitted money to bill payment cellphone subscriber interchanger account.

The implementation method of payment service of Bank-Communication mobile phone, the network terminal that its bill payment cellphone subscriber can pass through are STK card, among the smart mobile phone any through loading the logical mobile phone bill payment functional module of Yingxun.

The implementation method of payment service of Bank-Communication mobile phone, idiographic flow is:

(A) after the bill payment cellphone subscriber receives other (she) cellphone subscribers' cash, with opening and bind the logical mobile phone bill payment of Yingxun;

(B) the bill payment cellphone subscriber enters the STK menu, imports other (she) cellphone subscribers' the phone number and the amount of money of paying the fees, and confirms; The bill payment amount of money must not be greater than bill payment cellphone subscriber interchanger account balance;

(C) the bill payment mobile phone sends note and connects to Yingxun and be subjected to terminal processor;

(D) Yingxun connects the amount of money of paying the fees that will receive by terminal processor and is added to the cell-phone fee of paying the fees with on the account;

(E) Yingxun connects the note that sent by terminal processor successfully to handle the pay the fees formality and the amount of money number of paying dues;

(F) mobile phone of paying the fees is received the note of successfully handling the pay the fees formality and the amount of money number of paying dues.

The implementation method of payment service of Bank-Communication mobile phone, the bill payment cellphone subscriber can directly click inquiry interchanger account balance by the STK card menu.

The present invention realizes mobile phone bill payment business function by the logical business platform of program value-added tax function (carrying of STK card business, smart mobile phone program running etc.) that merges the existing network terminal and Yingxun of company of Unionpay.

By the present invention, the management of operator is brought very big facility:

● need not to arrange the special messenger to be responsible for charge guarantee fund's management of user

● do not have the fund security risk fully, existing receipts are now paid, and the overdraw situation can not take place

● by the present invention, user's bill payment business operation is also brought very big facility, quick, accurately, save time

● user's interchanger account amount of money is paid in any bank outlets and all can

● user's charge guarantee fund promptly is the interchanger account amount of money, and the user can use at any time

● the user uses the mobile phone bill payment only need click definite can finishing by the number and the amount of money of STK card menu input bill payment, and note exchanges, can be because of not hearing the voice suggestion misoperation

● the user can directly click inquiry interchanger account balance by the STK card menu

● act on behalf disbursement and sattlement and directly draw to interchanger, the user does not need to obtain and can in time obtain by other channels, convenient use, harmonious multi-win

Beneficial effect of the present invention also is, China is a large agricultural country, has 800,000,000 population to live in the rural area approximately, and a lot of peasant users have many inconveniences on mobile phone is paid the fees, an existing majority of paying the fees is provided in a side of above population concentration ground, town, and is far away when paying dues; The minimum amount of existing rechargeable card is 50 yuan, and most peasants still are difficult to bear; And the implementation method of payment service of Bank-Communication mobile phone of the present invention does not have lower limit to the amount of money of paying the fees, and very convenient financial difficulties user can 5 yuan, 10 yuan pays the fees, so that guarantee the unimpeded of communication.

Description of drawings

Fig. 1, be payment service of Bank-Communication mobile phone cooperation flow chart

Fig. 2, be the concrete operations flow chart of realizing payment service of Bank-Communication mobile phone by the STK card

Embodiment

In sum, we are to realize that by STK card business function Yingxun's unifier fee payment service is an example, and it is as follows to sketch whole invention scheme implementation process:

(A) after the bill payment cellphone subscriber receives 10 yuan of cashes of other (she) cellphone subscribers, with opening and bind the logical mobile phone bill payment of Yingxun;

(B) the bill payment cellphone subscriber enters the STK menu, imports other (she) cellphone subscribers' the phone number 139******** and 10 yuan of the amount of money of paying the fees, and confirms;

(C) the bill payment mobile phone sends note and connects to Yingxun and be subjected to terminal processor;

(D) Yingxun connects the amount of money of paying the fees that will receive by terminal processor and is added to the cell-phone fee of paying the fees for 10 yuan with on the account;

(E) Yingxun connects the note of sent by terminal processor successfully to handle the to pay the fees formality and 10 yuan of the amount of money of paying dues;

(F) mobile phone of paying the fees is received the note of successfully handling the pay the fees formality and 10 yuan of the amount of money of paying dues;

(G) the bill payment operation is finished.

Above embodiment and concrete operator, network technology, latticed form do not have direct relation, can utilize the invention of this business to realize the maximization of mobile phone bill payment convenience by means such as smart mobile phone program technic, WAP site program technic, Internet network program technology, it seems that at present the present invention can be useful for 2.5G, 3G telephone networks such as current fixed-line telephone network, GSM mobile phone network, GPRS, CDMA.But its application may be not limited to above telephone network of clearly listing and technological phase.

Claims (4)

1, a kind of payment service of Bank-Communication mobile phone implementation method, this telecommunications network comprises any among fixed-line telephone network, GSM mobile phone network, GPRS, the CDMA telephone network at least, and, it is characterized in that this method comprises the steps: in conjunction with the logical business platform of existing Yingxun

(A) after bill payment cellphone subscriber and operator determine cooperative relationship, determine that phone number and interchanger carry out the logical business-binding of Yingxun;

(B) the bill payment cellphone subscriber can be other network terminals user bill payment by the network terminal, bill payment success back corresponding amount of money of deduction in user's interchanger account;

(C) operator's term settlement is acted on behalf expense and is directly remitted money to bill payment cellphone subscriber interchanger account.

2, payment service of Bank-Communication mobile phone implementation method according to claim 1 is characterized in that the network terminal that described bill payment cellphone subscriber can pass through is through loading among the logical mobile phone bill payment functional module STK card of Yingxun, the smart mobile phone any.

3, payment service of Bank-Communication mobile phone implementation method according to claim 1 and 2 is characterized in that the implementation method idiographic flow of payment service of Bank-Communication mobile phone is:

(A) after the bill payment cellphone subscriber receives other (she) cellphone subscribers' cash, with opening and bind the logical mobile phone bill payment of Yingxun;

(B) the bill payment cellphone subscriber enters the STK menu, imports other (she) cellphone subscribers' the phone number and the amount of money of paying the fees, and confirms; The bill payment amount of money must not be greater than bill payment cellphone subscriber interchanger account balance;

(C) the bill payment mobile phone sends note and connects to Yingxun and be subjected to terminal processor;

(D) Yingxun connects the amount of money of paying the fees that will receive by terminal processor and is added to the cell-phone fee of paying the fees with on the account;

(E) Yingxun connects the note that sent by terminal processor successfully to handle the pay the fees formality and the amount of money number of paying dues;

(F) mobile phone of paying the fees is received the note of successfully handling the pay the fees formality and the amount of money number of paying dues.

4, payment service of Bank-Communication mobile phone implementation method according to claim 1 and 2 is characterized in that the bill payment cellphone subscriber can directly click inquiry interchanger account balance by the STK card menu.

Images