CN101527062B - Telephone call payment terminal and updating method of payment menu thereof - Google Patents
Telephone call payment terminal and updating method of payment menu thereof Download PDFInfo
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- CN101527062B CN101527062B CN2009101280969A CN200910128096A CN101527062B CN 101527062 B CN101527062 B CN 101527062B CN 2009101280969 A CN2009101280969 A CN 2009101280969A CN 200910128096 A CN200910128096 A CN 200910128096A CN 101527062 B CN101527062 B CN 101527062B
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Abstract
The invention provides a telephone call payment terminal and an updating method of payment menu thereof. The telephone call payment terminal comprises a terminal and a modem that are connected with each other. Communication is carried out based on V.92 protocol and a telephone call payment platform through the modem. Moreover, the modem supports dialing call wait Modem-On-Hold function. The invention mainly solves the problems of low speed and serious retransmission in the traditional telephone payment terminals of conventional FSK dialing and uses the technical characteristic of v92 dial mode so that the realized terminal can provide various new payment value added services and better overcome bill retransmission.
Description
Technical field
The present invention relates to dial technology, relate in particular to the update method of a kind of phone-payment terminal and payment menu thereof.
Background technology
The phone-payment product is the business of developing for the demand that satisfies E-Payment market, is based on the value-added service solution of PSTN fixed network message system based on E-Payment.The phone-payment product is a main target with individual, family, enterprise, medium and small trade company and industry user, is point of penetration with public-works spending payment, commercial articles ordering, self-help bank, progressively carries out at sector applications such as bank, logistics, supermarket, security.The phone-payment business has transaction security, with low cost, simple to operate, characteristics such as business development is strong.
The phone-payment terminal is the terminal device that carries out information interaction with the phone-payment platform, is the terminal device that uses, realizes the phone-payment function for the user.The physical layer communication mode is mainly the FSK communication modes between traditional phone-payment terminal and phone-payment platform.Fsk signal mainly adopts the modulation system of continuous phase Binary Frequency Shift Keying, adopts the data mode of scale-of-two asynchronous serial mode, and its maximum transmission rate is 1200bps.In traditional phone-payment business, the payment application message mainly is based on literal, and menu also is regularly to send to payment terminal by payment platform, and the shortcoming of fsk signal low transfer rate also is not obvious especially.Along with the continuous development that payment is used, its ultralow transfer rate has had a strong impact on the expansion of phone-payment business.Simultaneously because in the fsk signal transmission course, speech data and payment data are synchronous transmission, when platform issues bill, common phone is because can't discern bill and call request, the incoming call request that people often think and pick up phone, thereby make bill issue failure, increased platform greatly because of retransmitting the additional workload that bill is brought.
Summary of the invention
The technical matters that the present invention will solve provides a kind of phone-payment terminal, has the high advantage of transfer rate.
The invention provides a kind of phone-payment terminal, comprise terminal and modulator-demodular unit, terminal links to each other with modulator-demodular unit, by modulator-demodular unit based on V.92 agreement and phone-payment platform communicate, modem supports dialing call wait Modem-On-Hold function is supported in enterprising line data of same telephone wire and voice transfer; In phone-payment was used, when described payment platform issues bill or described terminal when described payment platform sends payment data, voice call was carried out in described modulator-demodular unit support;
Described terminal comprises the menu download module, is used for obtaining the payment menu from described phone-payment platform.
Wherein, above-mentioned modulator-demodular unit can be built in described terminal or be placed on described terminal.
According to an embodiment of phone-payment terminal of the present invention, described menu download module sends terminal menu version information to described phone-payment platform, downloads the menu content that the payment menu need upgrade from described phone-payment platform;
Wherein, the menu on the described terminal is a sandwich construction, described terminal menu version information with described terminal on the corresponding bibliographic structure of sandwich construction of menu represent every version number that all has this represented menu subitem in the bibliographic structure;
Described phone-payment application platform is by every version number in the bibliographic structure relatively, need to determine the menu subitem that upgrades.
For example, the menu download module is dynamically downloaded the payment menu from the phone-payment platform when each dialing.
According to an embodiment of phone-payment terminal of the present invention, this terminal comprises the picture display module, is used to receive the pictorial information from the phone-payment platform, and information Shows Picture.
Phone-payment terminal provided by the invention is utilized the technical characteristic of v92 dial mode, has the high advantage of transfer rate, and the phone-payment terminal speed that has solved traditional F SK dialing is low, the problem of serious retransmission.
Further, phone-payment terminal of the present invention can provide multiple novel payment value-added service, helps the development of payment transaction.
Another technical matters that the present invention will solve provides a kind of phone-payment terminal payment updating menu method, comprise: the phone-payment terminal sends the update request of payment menu based on agreement V.92 to the phone-payment application platform by modulator-demodular unit, comprises terminal menu version information in the update request; The phone-payment application platform is according to the terminal menu version information in the update request, determines the menu content that will upgrade, and sends to the phone-payment terminal by modulator-demodular unit based on agreement V.92; The phone-payment terminal receives the menu content that will upgrade, and upgrades menu, and preserves up-to-date menu version information.
According to an embodiment of phone-payment terminal payment updating menu method of the present invention, terminal menu version information is to represent every version number that all has this represented menu subitem in the bibliographic structure with the corresponding bibliographic structure of menu layer level structure; The phone-payment application platform is by every version number in the bibliographic structure relatively, need to determine the menu subitem that upgrades.
Phone-payment terminal payment updating menu method provided by the invention, send update request by terminal,, the menu on the terminal is upgraded by the definite menu content that needs renewal of phone-payment application platform, thereby supported dynamically updating of payment menu, helped the development of payment transaction.
Description of drawings
Fig. 1 illustrates the structural drawing of an embodiment of phone-payment terminal of the present invention;
Fig. 2 illustrates the structural drawing of another embodiment of phone-payment terminal of the present invention;
Fig. 3 illustrates the process flow diagram of an embodiment of phone-payment terminal payment updating menu method of the present invention;
Fig. 4 illustrates the menu level synoptic diagram of phone-payment terminal of the present invention;
Fig. 5 illustrates the process flow diagram of another embodiment of phone-payment terminal payment updating menu method of the present invention;
Fig. 6 illustrates pictorial transmitting advertisement information process flow diagram of the present invention.
Embodiment
With reference to the accompanying drawings the present invention is described more fully, exemplary embodiment of the present invention wherein is described.In the accompanying drawings, identical label is represented identical or similar assembly or element.
Fig. 1 illustrates the structural drawing of an embodiment of phone-payment terminal of the present invention.As shown in Figure 1, this phone-payment terminal comprises terminal 51 and modulator-demodular unit (Modem) 52.Modulator-demodular unit 52 is connected with terminal 51, is used for the mould/number conversion of signal between terminal 51 and data transmission link.Terminal 51 communicates based on V92 agreement and phone-payment platform by modulator-demodular unit 52.
The phone-payment terminal that employing v92 dial mode of the present invention realizes has increased modulator-demodular unit newly, and the chip of terminal is more suitable for supporting the V92 agreement.Modem can adopt external and built-in dual mode.Built-in Modem has not only attractive in appearance but also advantage easily.
Modem of the present invention supports dial-up to wait for (Modem-On-Hold) function, is also referred to as " shaking hands " mechanism.It supports the user in enterprising line data of same telephone wire and voice transfer.In phone-payment is used,, also support the user to carry out voice call when platform issues bill or terminal when platform sends payment data.This technology can solve a defective in original phone-payment.Traditional payment terminal is when issuing bill, and ordinary telephone set be because of can't discerning the difference jingle bell of bill and incoming call, and at this moment the user takes for through regular meeting is incoming call and pick up phone.Because FSK only supports the single line transmission, thereby payment platform can return the terminal message that the line is busy and make bill issue failure.Still this problem can occur after retransmitting bill, so repeating such process will increase a large amount of added burden to platform, thereby reduce the work efficiency of platform.And after adopting the v92 dialing, the user picks up phone, and platform need not be retransmitted bill, and only need make the original process that issues keep the Call Waiting state, after user's on-hook, continues to send billing data, so just can reduce the probability of retransmitting bill greatly.The working pressure of platform not only can be alleviated, also user experience can be promoted.
Fig. 2 illustrates the structural drawing of another embodiment of phone-payment terminal of the present invention.As shown in Figure 2, this phone-payment terminal comprises terminal 21 and modulator-demodular unit 12.Wherein, terminal comprises menu download module 211 and picture display module 212 again.Wherein, menu download module 211 is used for obtaining the payment menu from the phone-payment platform, for example, dynamically pays menu from phone-payment platform down loading updating when dialling at every turn.Hereinafter will describe a kind of specific implementation of this process in detail.Picture display module 212 is used to receive the pictorial information from the phone-payment platform, and information Shows Picture.Terminal of the present invention has bigger storage space, can store the pictorial information of reception, by the software of built-in support picture format, realizes presenting of pictorial information.Like this, can support the pictorial advertising message to issue by the picture display module and present.Pictorial advertising message capacity is bigger, and user's perceptibility is better, the development of more favourable and payment transaction.
On the phone-payment terminal of prior art, carry out payment transaction an inadequate natural endowment is arranged, the displaying that is exactly the payment application is very inconvenient, can only depend on payment menu one mode, and displaying is used in the restriction of the transfer rate of terminal display interface and FSK, has also directly limited carrying out of phone-payment business.The phone-payment terminal of employing v92 dial mode of the present invention is utilized its higher transfer rate, is fit to carry out the propelling movement of pictorial advertising message.The content that pushes can customize, and can comprise two contents of picture and literal, and picture format needs platform to stipulate, supports forms such as common jpg, jpeg, bmp, gif, png.Also should comprise a goods number that is used to pay in the information, the user can buy by terminal with goods number.
Fig. 3 illustrates the process flow diagram of an embodiment of phone-payment terminal payment updating menu method of the present invention.
As shown in Figure 3, in step 302, the phone-payment terminal sends the update request of paying menu to the phone-payment application platform, comprises terminal menu version information in this update request.
In step 304, the phone-payment application platform is according to the terminal menu version information in the update request, determines the menu content that will upgrade, and sends to the phone-payment terminal.
In step 306, the phone-payment terminal receives the menu content that will upgrade, and upgrades menu, and preserves up-to-date menu version information.
The black phone payment terminal is owing to be limited by the ultralow transfer rate of FSK, and the mode that the disposal route of payment menu generally adopts terminal customization or platform regularly to push is carried out.Along with increasing that payment is used, the payment menu changes also more frequent, thereby needs constantly the payment menu on the new terminal more.Telephone terminal provided by the invention adopts the v92 dial technology, has higher transfer rate, thereby can dynamically accomplish to upgrade from the platform download menu when each dialing.
Menu on the phone-payment terminal generally is a sandwich construction, supposes that menu has the N layer, and each subitem of menu will be represented with bibliographic structure, be equipped with menu version number simultaneously.Fig. 4 illustrates the menu level synoptic diagram of phone-payment terminal of the present invention.As shown in Figure 4, if menu is a three-decker, adopt the mode mark menu version of X-Y-Z.Terminal menu version information is to represent with the corresponding bibliographic structure of menu layer level structure.In the time of each dialing, will upload the menu version simultaneously, the phone-payment application platform is by every version number in the bibliographic structure relatively, need to determine the menu subitem that upgrades.For example, the phone-payment application platform reduces the version of terminal monitors, if the menu version of platform is X-Y-Z, the menu of then representing terminal is up-to-date, does not need to upgrade; If the menu version of platform is X-W-Z, then the second layer of expression payment menu changes to some extent, need upgrade.After connect setting up, platform will send a menu content that upgrades number and renewal and send to terminal, and upgrading number also is to adopt hierarchical structure, and as a-b, the b item content in the second layer menu below a item in the expression first order menu needs renewal.Like this, terminal can accomplish to utilize the workload of minimum degree to accomplish to upgrade the most completely, is consistent with application platform.
Fig. 5 illustrates the process flow diagram of another embodiment of phone-payment terminal payment updating menu method of the present invention.
As shown in Figure 5, in step 502, the user operates in terminal, and the request of payment updating menu has also been carried in dialing when reaching the standard grade, and solicited message comprises the current set of menu version number on the terminal.
In step 504, connecting system authenticates terminal, and authentication passes through then to continue following flow process, and information is unpacked; Otherwise refuse this request.
In step 506, the update request that connecting system will be paid menu sends to the payment application platform;
In step 508, after the payment application platform received update request, payment menu version number up-to-date on the menu version number of extraction terminal and the platform compared, and need to find the content of renewal;
In step 510, application platform is returned the renewal result to connecting system, if version number's unanimity does not then need to upgrade, otherwise returns up-to-date version number, renewal number and update content;
In step 512, connecting system will upgrade the result and send to terminal;
In step 514, the phone-payment terminal is upgraded menu according to upgrading the result, preserves up-to-date menu version number.
Fig. 6 illustrates pictorial transmitting advertisement information process flow diagram of the present invention.
As shown in Figure 6, in step 602, SP will comprise that the advertising message of picture sends the payment application platform.
In step 604, application platform converts the picture in the advertising message to the display format that is fit to terminal.
In step 606, application platform issues advertising message and gives connecting system.
In step 608, connecting system is forwarded to the phone-payment terminal with advertising message.
In step 610, terminal parses message is presented at display advertising on the screen.
The phone-payment terminal of the employing v92 dial mode that the present invention proposes, utilize its higher transfer rate and technical characteristic, can support to converse and pay synchronously and carry out, pay dynamically updating and new function such as pictorial transmitting advertisement information of menu, expand payment to a great extent and used, promoted user's perceptibility.Simultaneously, the narrowband resource of a large amount of restrictions of fixed network operator, the cost that the business of greatly reducing is carried out.Phone-payment terminal of the present invention can provide multiple novel payment value-added service, has promoted the expansion of phone-payment business.
Description of the invention provides for example with for the purpose of describing, and is not exhaustively or limit the invention to disclosed form.Many modifications and variations are obvious for the ordinary skill in the art.Selecting and describing embodiment is for better explanation principle of the present invention and practical application, thereby and makes those of ordinary skill in the art can understand the various embodiment that have various modifications that the present invention's design is suitable for special-purpose.
Claims (9)
1. phone-payment terminal, it is characterized in that, comprise terminal and modulator-demodular unit, described modulator-demodular unit is used for the mould/number conversion of signal between described terminal and data transmission link, described terminal links to each other with described modulator-demodular unit, by described modulator-demodular unit based on V.92 agreement and phone-payment platform communicate;
Described modem supports dialing call wait Modem-On-Hold function is supported in enterprising line data of same telephone wire and voice transfer; In phone-payment was used, when described payment platform issues bill or described terminal when described payment platform sends payment data, voice call was carried out in described modulator-demodular unit support;
Described terminal comprises the menu download module, is used for obtaining the payment menu from described phone-payment platform.
2. phone-payment terminal according to claim 1 is characterized in that the chip of described terminal is suitable for supporting the V92 agreement.
3. phone-payment terminal according to claim 1 is characterized in that described modulator-demodular unit is built in described terminal.
4. phone-payment terminal according to claim 1 is characterized in that, described modulator-demodular unit is an External modem.
5. according to any described phone-payment terminal in the claim 1 to 4, it is characterized in that, described menu download module sends terminal menu version information to described phone-payment platform, downloads the menu content that the payment menu need upgrade from described phone-payment platform;
Wherein, the menu on the described terminal is a sandwich construction, described terminal menu version information with described terminal on the corresponding bibliographic structure of sandwich construction of menu represent every version number that all has this represented menu subitem in the bibliographic structure;
Described phone-payment application platform is by every version number in the bibliographic structure relatively, need to determine the menu subitem that upgrades.
6. phone-payment terminal according to claim 5 is characterized in that, described menu download module is used for dynamically downloading the payment menu from described phone-payment platform when each dialing.
7. according to any described phone-payment terminal in the claim 1 to 4, it is characterized in that described terminal comprises the picture display module, be used to receive pictorial information, show described pictorial information from described phone-payment platform.
8. a phone-payment terminal payment updating menu method is characterized in that, comprising:
The phone-payment terminal sends the update request of payment menu based on agreement V.92 to the phone-payment application platform by modulator-demodular unit, comprises terminal menu version information in the described update request;
Described phone-payment application platform is according to the terminal menu version information in the described update request, determines the menu content that will upgrade, and sends to described phone-payment terminal by modulator-demodular unit based on agreement V.92;
Described phone-payment terminal receives the described menu content that will upgrade, and upgrades menu, and preserves up-to-date menu version information.
Wherein, described terminal menu version information is to represent every version number that all has this represented menu subitem in the bibliographic structure with the corresponding bibliographic structure of menu layer level structure; Described phone-payment application platform is by every version number in the bibliographic structure relatively, need to determine the menu subitem that upgrades.
9. payment updating menu method according to claim 8 is characterized in that, described phone-payment terminal is connected by the phone-payment connecting system with described phone-payment application platform;
Described method also comprises step:
When described phone-payment connecting system is received updating menu request from described phone-payment terminal, described phone-payment terminal is authenticated, authentication by after described updating menu request is sent to described phone-payment application platform.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2009101280969A CN101527062B (en) | 2009-03-25 | 2009-03-25 | Telephone call payment terminal and updating method of payment menu thereof |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2009101280969A CN101527062B (en) | 2009-03-25 | 2009-03-25 | Telephone call payment terminal and updating method of payment menu thereof |
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| CN101527062A CN101527062A (en) | 2009-09-09 |
| CN101527062B true CN101527062B (en) | 2011-10-05 |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102427496A (en) * | 2011-12-30 | 2012-04-25 | 苏州汉清投资管理有限公司 | Method for automatically updating mobile phone software menu |
| CN104407884B (en) * | 2014-10-30 | 2018-01-16 | 上海移远通信技术股份有限公司 | A kind of updating menu method and system |
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| US20080046363A1 (en) * | 2006-08-16 | 2008-02-21 | Sbc Knowledge Ventures, L.P. | Automated bill payment |
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| US20090061831A1 (en) * | 2007-08-31 | 2009-03-05 | Vishwanath Shastry | Mobile remittances/payments |
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| EP1178653A1 (en) * | 2000-07-31 | 2002-02-06 | Sagem S.A. | Terminal for communication over a radiotelecommunication network |
| KR20010078481A (en) * | 2001-03-16 | 2001-08-21 | 서동우 | Computer Program and Method for Authorizing Network Access |
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