RU57037U1 - SYSTEM FOR ELECTRONIC PAYMENTS FOR MOBILE CONTENT, GOODS AND SERVICES IN MOBILE COMMUNICATION NETWORK - Google Patents

Abstract

The system allows you to increase the speed of payment transactions, reduce the load on the billing subsystem of the mobile operator, reduce the use of service number resources. The system comprises subscriber terminals configured to connect to a network through an interaction server. The electronic payment management center (EPC) is based on a payment server and a database of goods, connected to an interaction server. The processing center is based on the server of the payment system and is connected with the EPC. Merchant servers are directly connected to the EPCA payment server through network protocols. The payment server was designed to provide: calculating the cost of goods, blocking the appropriate funds on the subscriber’s account in the processing center, sending a subscriber’s request for the purchase of goods to the seller’s server, receiving an electronic message from the seller’s server about the delivery of goods to the subscriber. The payment server initiates the write-off of previously blocked funds from the subscriber’s account to the seller’s account in the processing center.

Description

The utility model relates to electronic payment systems for mobile communication networks and can be used to pay for goods and services using mobile communication terminals.

A known method for mobile payments, in which mobile communication terminals are used to transmit formatted SMS messages to make mobile payments for goods and services (WO 03107288, G 07 F 19/00, published on 12.24.2003).

In this method, the payer and seller identification center is used, the information on the accounts of which is indicated directly in the SMS message. A limitation of this method is the need to indicate the amount and accounts of subscribers of mobile terminals, as well as sellers for making payments, when sending SMS messages. In addition, to identify the payer, you need to specify a PIN code. A system that implements this method has significant drawbacks in ease of use, requires a large array of transmitted data, is potentially prone to errors in the formation of a payment order, has low speed due to excessive transmitted information in a mobile communication network.

The closest is a system for electronic payments for mobile content, goods and services in a mobile communication network, containing the terminals of the subscribers of at least one mobile communication network, configured to connect to this network through the server interaction with subscribers in the mobile communication network, and electronic payment management center, made on the basis of a payment server and a database of content, goods and services, associated with the specified server of interaction with subscribers in a mobile communication network, processing a center based on a payment system server associated with an electronic payment management center, wherein the electronic payment management center is configured to identify subscribers 'accounts, sellers and make requests about the sufficiency of funds on subscribers' accounts in a processing center, sellers servers associated with the electronic payment management center ( WO 20050552869, G 07 F 7/02, G 07 F 19/00, publ. 06/09/2005).

In this system, a specialized vending machine for selling various products is used as a seller’s server, including communication equipment with a subscriber interaction server in a mobile communication network. The subscriber, following the instructions on the vending machine - server of the seller selects the desired product and sends a request to the payment server of the electronic payment control center via the subscriber’s interaction server in the mobile communication network using the subscriber’s mobile terminal. The electronic payment management center is designed to ensure identification of subscribers 'accounts, sellers and the implementation of requests for sufficiency of funds on subscribers' accounts in the processing center. After withdrawing funds from the subscriber’s account, the electronic payment control center transmits via the server of interaction with subscribers in the mobile communication network a message to the seller’s server about the need to issue goods selected by the subscriber.

The limitations of the known system are:

- communication of the payment server of the electronic payment control center with the seller’s server through the server of interaction with subscribers in the mobile communication network, which leads to the need to use an additional resource of the mobile communication network and increases operating costs;

- there is no possibility of blocking funds on the subscriber’s account for the purchase of content, goods, services, as a result, the subscriber is not insured against unreasonable expenses for unfulfilled obligations of the seller;

- the complexity of the procedure for acquiring content, goods, services, because you must manually collect data on the terminals of subscribers about the selected goods or services and transmit such messages containing a large array of data from mobile terminals to the electronic payment control center;

- the inability of sellers to sell various types of content, goods and services using one service number for the case of using SMS and USSD protocols, because charging in this case is carried out by the server of interaction with subscribers in a mobile communication network;

- if it is impossible to provide the seller with content, goods, services to the subscriber, but when they make a payment, the system malfunctions.

The task solved by the utility model is to improve the quality and reliability of the system, expand the functionality, provide the user with a convenient service for the purchase of content, goods and services,

providing sellers of content, goods and services with the opportunity to sell many goods through a single service telephone number.

The technical result that can be achieved by implementing the utility model is to expand the functionality, increase the speed of payment transactions, reduce the load on the billing subsystem of the mobile communication network operator, reduce the use of the service number resource in the mobile network.

To solve the problem with the achievement of the specified technical result in a known system for electronic payments for mobile content, goods and services in a mobile communication network containing subscribers' terminals of at least one mobile communication network, configured to connect to this network through an interaction server with subscribers in a mobile communication network, and an electronic payment control center, made on the basis of a payment server and a database of content, goods and services associated with the specified server m interaction with subscribers in a mobile communication network, a processing center based on a payment system server connected to an electronic payment management center, and the electronic payment management center is designed to identify subscribers 'accounts, sellers and make requests about the sufficiency of funds on subscribers' accounts in the processing center , seller’s servers associated with the electronic payment control center, according to the claimed device, the seller’s servers are directly connected to by means of network protocols with a payment server of an electronic payment control center, and upon receipt of a request to purchase content, goods and services from a subscriber’s terminal through a server for interacting with subscribers in a mobile communication network, said payment server is configured to calculate the cost of content, goods and services in interaction with said the database of the electronic payment control center, is configured to block the corresponding funds in the subscriber’s account in the processing center, It was executed that ensures sending through the network protocols the subscriber’s request for the purchase of content, goods and services to the seller’s server, as well as receiving from the seller’s server the given content, goods and services, an electronic message about the delivery of the content, goods and services to the subscriber, and initiated the debit of previously blocked funds from the subscriber’s account to the seller’s account of the content, goods and services in the processing center.

Additional embodiments of the utility model are possible, in which it is advisable that:

- the subscriber’s terminals were executed using a SIM card, which provides the ability to visualize information on the content, goods and services provided by sellers on the subscriber’s terminal screen, and when the subscriber selects the content, goods and services from the corresponding SIM menu that initiated sending the request to electronic payment management center on the purchase of the corresponding SIM-menu of content, goods and services;

- a system of non-cash electronic payments was used as a processing center;

- A bank payment system was used as a processing center;

- seller’s servers were directly connected to the payment server of the electronic payment control center via the SMPP (Short Message Peer-to-Peer), HTTP (hypertext transfer protocol), WAP (Wireless Application Protocol - wireless application protocol);

- the electronic payment control center was connected to the subscriber interaction server in the mobile communication network via the network protocols SMPP, HTTP, WAP;

- mobile subscriber terminals were connected to the subscriber interaction server in accordance with the SMS (Short Message Serivce) protocol, USSD (Unstructured Supplementary Service Data - unstructured additional data service), WAP, IVR (Interactive Voice Response - interactive voice response), GPRS GPRS (General Packet Radio Service - general service of radio data packets);

- when the seller’s servers used the SMPP network protocol for delivering content in the form of an SMS message, the electronic payment control center was implemented to ensure that the seller’s server received this content, product and service, an electronic SMS message about the delivery of content, product and service to the subscriber, and was also provided receiving from the server of interaction with subscribers in the mobile communication network confirmation of delivery of this SMS message to the subscriber.

These advantages, as well as the features of this utility model are illustrated by the best option for its implementation with reference to the accompanying drawings.

Figure 1 depicts a functional diagram of the claimed system;

Figure 2 - block diagram of the algorithm for the purchase of content, goods, services using SMS protocol;

Figure 3 is the same as figure 2, when buying only SMS content with confirmation by the operator of the fact of delivery of SMS content to the subscriber.

The system for electronic payments for mobile content, goods and services in a mobile communication network (Fig. 1) contains terminals 1 of subscribers (mobile) of at least one mobile communication network. The terminals 1 are configured to connect to the mobile network through the server 2 interaction with subscribers in a mobile communication network. The electronic payment control center 3 is made on the basis of the payment server 4 and the content, goods and services database 5 and is connected to the indicated server 2. The processing center 6 is made on the basis of the payment system server and is connected to the electronic payment control center 3. The electronic payment control center 3 made to ensure the identification of subscriber accounts, merchant accounts and the implementation of requests for sufficiency of funds on subscriber accounts in processing center 6. The servers of 7 sellers are associated with electronic payment management most important center.

The servers 7 of the sellers are directly connected via network protocols to the payment server 4 of the electronic payment control center 3. Upon receipt of a request for the purchase of content, goods and services from the subscriber’s terminal through the server 2 to interact with subscribers in the mobile communication network, said payment server 4 is configured to calculate the cost of content , goods and services in cooperation with the mentioned database 5 of the electronic payment control center 3. The payment server 4 is configured to block the corresponding the corresponding funds in the subscriber’s account in the processing center 6. The payment server 4 is configured to send, through network protocols, a subscriber’s request for the purchase of content, goods and services to the corresponding server 7 of the seller, as well as receiving from the server 7 of the seller this content, goods and electronic message about the delivery of content, goods and services to the subscriber. The payment server 4 is made by initiating the write-off of previously blocked funds from the subscriber’s account to the seller’s account of the content, goods and services in the processing center 6.

In addition, the terminals 1 of the subscribers can be performed using a SIM card, which provides the ability to visualize on the screen of the terminal 1 information about the content, goods and services provided by sellers. When the subscriber selects the content, product and service from the corresponding SIM menu, the SIM card is initiated to send a request to the electronic payment control center 3 to purchase the corresponding SIM menu of the content, product and service.

As a processing center 6 can be used a system of non-cash electronic payments.

As a processing center 6 can be used a bank payment system.

The servers 7 of the sellers can be directly connected to the payment server 4 of the electronic payment control center 3 via the network protocols SMPP, HTTP, WAP.

The electronic payment control center 3 can be connected to the subscriber interaction server 2 in the mobile communication network via the network protocols SMPP, HTTP, WAP.

The terminals 1 of subscribers of the mobile communication network can be connected to the server 2 of interaction with subscribers in accordance with the SMS, USSD, WAP, IVR, GPRS protocols.

When the servers of 7 sellers use the network protocol SMPP to deliver content in the form of an SMS message, the electronic payment control center 3 is configured to receive from the server 7 of the seller of this content, product and service an electronic SMS message about the delivery of the content, product and service to the subscriber, and also provided receiving from the server 2 interactions with subscribers in the mobile communication network, confirming the delivery of this SMS message to the subscriber.

Consider the option of working by SMS protocol as the system’s work. In this case, the interaction server is an SMSC (Short Message Service Center) of the mobile operator. USSD, WAP, IVR options differ only in the features of the data protocols themselves. The system works (figure 1) as follows.

The payment server is an intermediary of commodity-money relations between subscribers - individuals with mobile terminals 1 and sellers of goods, services and mobile content. Payment Processing

between subscribers and sellers it is provided by a processing center 3, which can be played by a processing center of a system of cashless electronic payments, or a processing center of a bank. To perform purchase and sale operations in the system, subscribers and sellers must have accounts in the processing center of the system.

The electronic payment management center 3 consists of a payment server 4 and a database server 5. Payment server 4 has the ability to identify both subscribers and sellers. The payment server 4 allows sellers to register goods, services and mobile content using the HTTP protocol on the database server 5. The goods, services and content registered on the database server 5 become available for purchase by subscribers through requests made via the terminals 1 and 2 interactions transmitted by the servers. In addition, if the subscriber’s terminal 1 is equipped with a special SIM card in which the application of this system is installed, the subscriber receives data on content, goods and services registered by sellers in the form of hierarchical thematic menus in the application on the SIM card, and clicking on the selected menu items leads to the initiation of the purchase of a given content, product or service. It should be noted that the list of goods and services in the SIM menu is kept up to date using the technology for remotely changing the contents of OTA SIM cards (Over The Air - “Over the Air”). Requests for the purchase of a product, service or content can be initiated on the terminal 1 of the subscriber using SMS, USSD, IVR or WAP request. In this case, information about the subscriber’s request is sent to the seller’s server 7 due to the interaction of the server 7 and the payment server 4, which can be carried out both via SMPP, WAP, and the HTTP protocol. The role of server 4 in processing a subscriber’s request from terminal 1 is to identify the subscriber and seller, their accounts in the processing center, determine the goods, services or mobile content based on the request and determine its value.

The subscriber makes a decision on the purchase of any content, product or service. As an example, consider the process of buying pizza (figure 2). In block 201, an SMS message is generated on the subscriber’s terminal 1 with a code corresponding to the purchase of pizza (the subscriber learns the code, for example, from an advertisement on TV) and sends it to the service number of the interaction server 2. SMS arrives at block 202 of the interaction server 2 where MSISDN (Mobile

Statiop. Integrated Services Digital Network - international format of telephone numbers of subscribers of a mobile communication network) subscriber number. Next, the SMS is sent to the comparing unit 203 of the payment server 4, where the subscriber’s account is identified by its MSISDN number. If the subscriber’s account is not identified in block 204, an SMS message about the unsuccessful identification is generated, which is sent to the subscriber’s terminal 1 using the interaction server 2. Upon successful identification, in block 205, the cost of the goods (services) is calculated - in this case pizza, and a request is made to the server 5 of the database of goods and services. It should be noted that the cost of content, product or service for the same service number may be different. Block 205 calculates the cost of the requested content, product or service based on the content of the SMS message sent by the subscriber-buyer and the list of content, goods or services associated with this service number of the mobile network. So, for example, the request code “margarita” may mean the purchase of pizza “Margarita”, and the request code “boloneza” - an application for the purchase of pizza “Bolonesa”. In addition, the request code “boloneza 5” may mean a request for the purchase of 5 pieces of Boloneza pizza. In block 206, the sufficiency of funds in the subscriber’s account for the purchase of goods is checked. If there is not enough money, in block 207 an SMS is generated to notify the subscriber about the insufficient funds in his account for the purchase of goods, which is sent to the terminal 1 of the subscriber using the interaction server 2. If there is enough money, then in block 208, the required amount of funds is blocked on the subscriber’s account using the appropriate request to the processing center 6, but is not transferred to the seller’s account. Next, a request for the purchase of goods (pizza) is sent to the seller’s server 7, while the seller is notified that the money to buy his goods has already been blocked on the subscriber’s account and only a confirmation of delivery of the goods to the subscriber is needed. In block 209, the comparison checks the fact of delivery by the seller of the goods to the subscriber. If the goods cannot be delivered to the subscriber for some reason, then in block 210 the funds are unblocked on the subscriber’s account for the given goods (pizza) by contacting the processing center and in block 211 an SMS message is generated informing the subscriber about the reasons denial of delivery of goods that are sent to the terminal 1 of the subscriber using the interaction server 2. If the seller successfully delivers the goods (pizza), then he reports this to the payment server 4, and in block 212 the payment server 4, using the appropriate request to

processing center 6 transfers the amount of funds blocked on the subscriber’s account to the seller’s account. And in block 213 an SMS message is generated notifying the subscriber about the successful purchase of the goods (pizza) and the transfer of the corresponding amount from his account to the seller’s account.

If the subscriber purchases SMS content (the content is an SMS message), then in the content purchase algorithm (Fig. 3), as compared to the product purchase algorithm, an additional block (312) for verifying the delivery of the SMS message, which is the content, to the subscriber appears using the means of the interaction server 2, as well as a comparison unit 313, in which, depending on the verification of the fact of delivery of SMS content, funds are transferred to the account of the content seller (block 314) in case of successful delivery, or the funds are released I’m on the subscriber’s account (block 310) otherwise.

Due to the fact that the servers 7 of the sellers are directly connected via network protocols to the payment server 4 of the electronic payment control center 3, and in the closest analogue the servers 7 are connected to the payment server 4 through the server of interaction with subscribers in the mobile communication network, the reliability and controllability of the system are increased due to the lack of an additional transit device, which is the interaction server. In addition, functionality is expanded through the use of a wider range of network protocols, the possibility of calculating the cost depending on the content of the request for the purchase of content, goods, services, as well as the implementation of blocking funds on the subscriber (buyer) account during the purchase. The speed of payment transactions is increased due to the exclusion of the transit link, and the load on the billing subsystem of the mobile communication network operator is also reduced, because this load is transferred to a specialized payment server 4 and processing center 6. Reducing the use of the resource of service numbers in a mobile network, and, consequently, significant savings for sellers of content, goods and services is realized due to the ability of payment server 4 to sell an arbitrarily wide range of content , goods and services using only one service number of the mobile network.

The most successfully announced system for electronic payments in a mobile communication network is industrially applicable for the acquisition of content, goods and services by consumers using mobile terminals.

Claims (8)

1. A system for electronic payments for content, goods and services, comprising terminals of subscribers of at least one mobile communication network, configured to connect to this network through a server for interacting with subscribers in a mobile communication network, and an electronic payment control center made based on a payment server and a database of content, goods and services associated with the specified server for interaction with subscribers in a mobile communication network, a processing center based on a payment system server connected with the electronic payment management center, and the electronic payment management center is made providing identification of subscribers 'accounts, sellers and making requests about the sufficiency of funds on subscribers' accounts in the processing center, characterized in that sellers servers with different nomenclature of content, goods and services are introduced, which directly are connected via network protocols to the payment server of the electronic payment control center, and upon receipt from the terminal of the subscriber the server for interaction with subscribers in the mobile communication network of the request for the purchase of content, goods and services said payment server is configured to calculate the cost of content, goods and services in conjunction with the said database of electronic payment control center, is configured to block the corresponding funds in the subscriber’s account in a processing center that is configured to send, via network protocols, a subscriber’s request for the purchase of content, goods and services to the seller’s server, and ie receive from the seller of the server content, goods and services of electronic communication on the implementation of content delivery, goods and services to the subscriber, and will initiate a debit is made previously blocked funds from the subscriber's account to the seller's account of content, goods and services in the processing center. 2. The system according to claim 1, characterized in that the subscriber terminals are made using a SIM card that provides the ability to visualize information on the content, goods and services provided by sellers on the subscriber’s terminal screen and when the subscriber selects content from the corresponding SIM menu, goods and services executed by initiating the sending of a request to the electronic payment management center for the purchase of the corresponding SIM-menu of content, goods and services. 3. The system according to claim 1, characterized in that the system of non-cash electronic payments is used as a processing center. 4. The system according to claim 1, characterized in that a bank payment system is used as a processing center. 5. The system according to claim 1, characterized in that the servers of the sellers are directly connected to the payment server of the electronic payment control center via the network protocols SMPP, HTTP, WAP. 6. The system according to claim 1, characterized in that the electronic payment control center is connected to a subscriber interaction server in a mobile communication network using the SMPP, HTTP, WAP network protocols. 7. The system according to claim 1, characterized in that the terminals of the subscribers of the mobile communication network are connected to the server of interaction with subscribers in accordance with the SMS, USSD, WAP, IVR, GPRS protocols. 8. The system according to claim 1, characterized in that when the seller’s servers use the network protocol SMPP to deliver content in the form of an SMS message, the electronic payment control center is configured to receive from the seller’s server the given content, goods and electronic SMS service messages on the completion of the content delivery, of goods and services to the subscriber, and also made it possible to obtain confirmation of the delivery of this SMS message to the subscriber from the server of interaction with subscribers in the mobile communication network.