CN102270326A - Authentication charging system and method based on intelligent network payment value added service - Google Patents
Authentication charging system and method based on intelligent network payment value added service Download PDFInfo
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Abstract
The invention discloses an authentication charging system based on intelligent network payment value added service. The system comprises a service processing system, a value added service authentication charging center and payment equipment. The invention also discloses an authentication charging method based on the intelligent network payment value added service. By adopting the system and the method, the advantages of rapid deployment and quick response of the intelligent network payment value added service are effectively utilized, and payment service is specially controlled and limited by the authentication processing, so that the safety of payment service is improved; and compared with other modes such as mobile payment and the like, the charging system has the advantages of performing payment quickly and safely in real time and effectively improving user experience.
Description
Technical field
The present invention relates to intelligent network value-added service field, relate in particular to a kind of authorization accounting system and method based on the value-added service of intelligent network payment class.
Background technology
Along with the continuous development of internet and mobile technology and day by day ripe, people's consumption pattern has also produced tremendous influence thereupon, makes the consumer can select the different modes of payments when buying commodity.Especially, because universal its function of mobile phone is day by day powerful, the mode that the consumer uses mobile phone to pay also becomes and becomes more and more popular.
In the prior art, the mode of using mobile phone to pay has many kinds, as mobile payment of small amount mode, Mobile banking, third party's mobile-phone payment or the like.These modes of payments need consumer's mobile phone and businessman and bank account are bound in advance.When the consumer consumes, need to initiate Payment Request to bank payment system respectively by consumer's mobile phone and businessman, bank payment system is discerned and password authentification both Payment Request, and Payment Request identification and password authentification by after can carry out the payment of transferring of expense.
Can see that there are some shortcomings in the existing mode of mobile-phone payment of using.For example, need the user to input accounts informations such as Bank Account Number, password, make accounts informations such as Bank Account Number and password propagate simultaneously so on the net, thereby therefore might make user's accounts information reveal the problem of bringing potential safety hazard to the user; And the existing mode of using mobile-phone payment needs the user to operate a plurality of steps just to finish once payment action, and operation is very complicated relatively; And the existing modes of payments just can carry out cost transfer after need being verified both sides' payment behavior by bank, therefore exist can't pay down problem, bring unnecessary trouble to businessman.
Summary of the invention
In view of this, fundamental purpose of the present invention is to provide a kind of authorization accounting system and method based on the value-added service of intelligent network payment class, can realize transaction security, the modes of payments simply and conveniently.
For achieving the above object, technical scheme of the present invention is achieved in that
The invention provides a kind of authorization accounting system based on the value-added service of intelligent network payment class, this right discriminating system comprises: transaction processing system, and value-added service authenticating and charging center and paying apparatus, wherein,
Described transaction processing system, be used to receive the Payment Request that the user sends, and to value-added service authenticating and charging center transmission payment authentication request, after receiving the message of the payment authentication success of returning at value-added service authenticating and charging center, send acknowledge message to the user, after the user confirms, send the authenticating and charging request, also be used to transmit the failed authentication message that value-added service authenticating and charging center is returned;
Described value-added service authenticating and charging center, stored the Business Information of user profile and commodity and commodity correspondence, payment authentication request or authenticating and charging request are carried out authentication process or paying ability is carried out authentication, during failed authentication, return failed authentication message, to returning the authentication success message after the success of payment authentication request authentication, paying ability is carried out authentication success back send the authenticating and charging request to paying equipment;
Described paying apparatus is used for described authenticating and charging request is carried out real-time authentication and made accounting processing.
Wherein, also comprise in the heart in the described value-added service authenticating and charging: the merchandise news synchronization module is used for businessman merchandise news is uploaded to the value-added service authenticating and charging in the heart; And/or,
Described paying apparatus also is used for returning the payment success message by value-added service authenticating and charging center and transaction processing system to portable terminal.
Wherein, described transaction processing system is specially: send the disposal system of the corresponding network side of mode of Payment Request with the user.
Wherein, authentication process is carried out to the payment authentication request in described value-added service authenticating and charging center, comprise: inquire about in the described value-added service authenticating and charging canned data in the heart according to the Business Information of the merchandise news of the subscriber identity information of payment in the authentication request, required payment and commodity correspondence, compare and finish authentication process.
Wherein, described paying apparatus carries out real-time authentication, comprising: for the postpaid service user, then make further authentication in real time at state of user and credit rating; For the prepaid user, then carry out real-time authentication and make real-time accounting processing at user's remaining sum.
The present invention also provides a kind of authentication charging method based on the value-added service of intelligent network payment class, and described method comprises:
Value-added service authenticating and charging center receives the payment authentication request that transaction processing system sends;
To the authentication process of carrying out in the described payment authentication request, if the authentication success, then return messages prompting user confirms, otherwise, return failed authentication message, and the end process flow process;
After the user confirms, send the authenticating and charging request to value-added service authenticating and charging center, paying ability is carried out authentication, the request of success back transmission authenticating and charging is carried out real-time authenticating and charging to paying apparatus and is handled.
Wherein, described value-added service authenticating and charging center also comprises before receiving the payment authentication request: businessman uploads to merchandise news in the value-added service authenticating and charging in the heart; And/or,
Described paying apparatus carries out also comprising: return the payment success message by value-added service authenticating and charging center and transaction processing system to portable terminal after the authenticating and charging processing.
Authorization accounting system and method based on the value-added service of intelligent network payment class provided by the present invention, transaction processing system is transmitted the payment authentication request that the user sends, authentication process can be carried out to described payment authentication request in the value-added service authenticating and charging center that is arranged on the intelligent network, after described payment authentication request is confirmed by authentication and through the user, send the authenticating and charging request, value-added service authenticating and charging center and paying apparatus carry out authentication and accounting processing to the authenticating and charging request.The present invention has added the value-added service of payment class on traditional intelligent network value-added service basis.The value-added service of payment class can be satisfied the demand of mobile payment, the advantage of having utilized the intelligent network value-added service to dispose fast, respond fast, and payment class business special control and restriction have been carried out by authentication process, improve its security, compare with other modes of mobile payment, can be fast, safety and paying in real time, the user only need initiate payment, pay and confirm to wait a few step, can finish whole payment process, improved user experience effectively.
Description of drawings
Fig. 1 is the structural representation that the present invention is based on the authorization accounting system of intelligent network payment class value-added service;
Fig. 2 is the schematic flow sheet that the present invention is based on the authentication charging method of intelligent network payment class value-added service;
Fig. 3 is the idiographic flow synoptic diagram that the present invention is based on the authenticating and charging success of intelligent network payment class value-added service.
Embodiment
The present invention is based on the intelligent network realization.Intelligent network is a kind of technology of controlling the conventional switch call flow with computer software.Before intelligent network occurring, common carrier provides new business by the method that increases specialized equipment, but this method is both nonstandard also dumb, and function is also very limited, is unfavorable for professional further expanding.In intelligent network, professional control and operation exchange are separated, under the condition that does not change the telecommunications network hardware configuration, adopt centralized traffic logical process and integrated data store system means, fast, convenient, flexibly, economical, effectively generate and realize various new business.
In the present invention, provide the value-added service of payment class by intelligent network, write down its merchandise news for businessman's application payment class value-added service, also can provide user capture simultaneously, browse, buy the commodity that businessman provides, and the merchandise news of businessman is synchronized on the intelligent network.The employed mobile phone of user or other communication terminal are as long as the payment class value-added service of having opened intelligent network and providing can realize carrying out information interaction with intelligent network.
The technical solution of the present invention is further elaborated below in conjunction with the drawings and specific embodiments.
Fig. 1 is the structural representation that the present invention is based on the authorization accounting system of intelligent network payment class value-added service, as shown in Figure 1, described right discriminating system based on the value-added service of intelligent network payment class comprises: transaction processing system 11, value-added service authenticating and charging center 12 and paying apparatus 13; Wherein,
Described transaction processing system 11, be used to receive the Payment Request that the user sends, and to value-added service authenticating and charging center 12 transmission payment authentication request, after receiving the message of the payment authentication success of returning at value-added service authenticating and charging center 12, send acknowledge message to the user, after the user confirms, send the authenticating and charging request, also be used to transmit payment success or the failed authentication message returned at value-added service authenticating and charging center 12;
Concrete, described transaction processing system is: send the corresponding network side disposal system of mode of Payment Request with the user.Wherein, described user specifically comprises to the mode that transaction processing system 11 sends the payment authentication request: adopt to send way of short messages, this moment, transaction processing system 11 can be telecommunications gateway or sms center; The mode that perhaps adopts voice to insert, this moment, transaction processing system 11 can be IVR (Interactive VoiceResponse, interactive voice response) system; The mode that perhaps adopts WAP (Wireless Application Protocol, WAP (wireless application protocol)) to insert, this moment, transaction processing system 11 can be WAP gateway.Comprise in the described payment authentication request: the Business Information of the merchandise news of subscriber identity information, required payment and commodity correspondence.Above-mentioned information is used for the 12 couples of users in value-added service authenticating and charging center and commodity carry out authentication.Described authenticating and charging request is after the user confirms acknowledge message, to be transmitted to value-added service authenticating and charging center 12 by transaction processing system 11.
Described value-added service authenticating and charging center 12, the Business Information that is used for storing subscriber information and commodity and commodity correspondence, payment authentication request or authenticating and charging request that transaction processing system 11 sends are carried out authentication process or paying ability is carried out authentication, during failed authentication, return failed authentication message, to returning the authentication success message after the success of payment authentication request authentication, paying ability is carried out sending the authenticating and charging request to paying equipment 13 after the authentication;
Concrete, described authentication process is to carry out authentication process at subscriber identity information, the merchandise news of required payment and the Business Information of commodity correspondence in the payment authentication request.Wherein, the Business Information of the merchandise news of described subscriber identity information, required payment and commodity correspondence can be respectively: user ID, commodity sign and businessman's sign.The process need of authentication process is comprehensively judged the authenticity and the scope of business of commodity and businessman in conjunction with above-mentioned three partial informations: judge whether the user possesses the purchase authority of described commodity, if do not possess, failed authentication then, if possess then judge whether described user initiates the payment authentication request for the first time at the described commodity of described businessman, if not, failed authentication then, return failed authentication message and end process flow process, if initiate the payment authentication request for the first time, then continue to check whether described user has surpassed specified payment number of times within a certain period of time, if surpassed, then failed authentication returns failed authentication message and end process flow process, if do not surpass specified number of times, then continue described commodity and businessman are carried out authentication, expired if commodity do not have, and the information such as price of businessman and commodity are all true fully, then authentication success, return the authentication successful information and give user's portable terminal, otherwise failed authentication returns failed authentication message and end process flow process.Described successfully is for fear of because the failure cause of network causes asking being retransmitted the mistake that produces repeatedly to the payment authentication request authentication of initiating for the first time only, can guarantee that the user can not duplicate the situation of repeatedly paying.Specified payment number of times in the described certain hour can be default voluntarily by the user, and its purpose is to improve the security of this method of payment, and the malice of avoiding other people illegally to obtain behind the portable terminal is paid in a large number.Described commodity and businessman are carried out authentication, be according to the commodity that store in the heart in the value-added service authenticating and charging and the term of validity of Business Information comparison check commodity, and the authenticity of commodity price and businessman, its purpose is, avoid businessman in propaganda, to use speculative price to mislead the buyer, ensure the user's who sends the payment authentication request interests.
Describedly paying ability is carried out authentication process comprise: the modes of payments of distinguishing the user earlier, if postpaid service user, then carry out authentication according to state of user and user's credit rating, if state of user is normal, when credit rating is enough paid the price of described commodity again, the authentication success, otherwise, failed authentication returns failed authentication message and process ends.If the prepaid user then carries out authentication according to user's remaining sum, if when user's remaining sum is enough paid the price of described commodity, the authentication success, otherwise failed authentication returns failed authentication message and process ends.Wherein, described state of user comprises: normal, arrearage, shutdown or cancellation.Described credit rating comprises: if user's back way of paying are by credit card, then according to the facility extent of credit card as credit rating, if user's back way of paying are corporation accounts etc., can set according to concrete payment amount.
Described paying apparatus 13 is used for the described authenticating and charging request that value-added service authenticating and charging center 12 sends is carried out real-time authentication and made accounting processing.
Concrete, described paying apparatus 13 is arranged on the mobile network, utilize existing mobile network and the intelligent network Data Transport Protocol can be realized and value-added service authenticating and charging center 12 between information interaction.In order to make the user check conveniently whether payment this time is successful, paying apparatus 13 also can feed back to the user through value-added service authenticating and charging center 12 and transaction processing system 11 successively with the result who user's paying ability is carried out authentication.The content of described real-time authentication is identical with object at the authentication process of user's paying ability, but the authentication operations that mainly is this moment is for handling in real time, purpose is to improve the accuracy of the authentication of paying in real time among the present invention, avoids the wrong authentication and the charging that cause owing to the mistiming.
Further, described paying apparatus 13 also comprises: pre-payment equipment 131 and back paying apparatus 132, wherein,
Described pre-payment equipment 131 is used for real-time authentication and charging are carried out in prepaid user's authenticating and charging request;
Concrete, described pre-payment equipment 131 authentications success is then deducted fees and is returned the payment success message.
Described back paying apparatus 132 is used for real-time authentication and charging are carried out in postpaid service user's authenticating and charging request.
Concrete, the paying apparatus 132 authentications success of described back is then chargeed and is returned the payment success message.
Further, described value-added service authenticating and charging center 12 also comprises: merchandise news synchronization module 121, wherein,
Described merchandise news synchronization module 121 is used for businessman merchandise news is uploaded to value-added service authenticating and charging center 12 synchronously, is beneficial to businessman and in time the merchandise news of upgrading is reflected on the value-added service authenticating and charging center 12.
Fig. 2 is the schematic flow sheet that the present invention is based on the authentication charging method of intelligent network payment class value-added service, as shown in Figure 2, said method comprising the steps of:
Step 201, value-added service authenticating and charging center receive the payment authentication request;
Concrete, described payment authentication request is after transaction processing system receives user's Payment Request, sends to value-added service authenticating and charging center by transaction processing system.Described portable terminal can be individual mobile communication terminals such as mobile phone, PDA.Described transaction processing system can be: telecommunications gateway or sms center, IVR system or WAP gateway etc. and user send the corresponding network side disposal system of mode of Payment Request.For example: the user sends the payment authentication request by short message mode, and transaction processing system is telecommunications gateway or sms center; If the user sends the payment authentication request by the voice access way, transaction processing system then is the IVR system; If the user sends the payment authentication request by the WAP access way, transaction processing system then is a WAP gateway.Comprise in the described payment authentication request: the Business Information of the merchandise news of subscriber identity information, required payment and commodity correspondence.The Business Information of the merchandise news of described subscriber identity information, required payment and commodity correspondence can be respectively: user ID, commodity sign and businessman's sign.
Step 202 is carried out authentication process to described payment authentication request, if the authentication success, then return messages prompting user confirms, otherwise, return failed authentication message, and the end process flow process;
Concrete, described authentication process be in conjunction with in the Business Information of the merchandise news of the subscriber identity information in the payment authentication request, required payment and commodity correspondence and the described value-added service authenticating and charging in the heart canned data compare and finish authentication process.Wherein, the process need of authentication process is comprehensively judged the authenticity and the scope of business of commodity and businessman in conjunction with above-mentioned three partial informations: judge whether the user possesses the purchase authority of described commodity, if do not possess, failed authentication then, if possess then judge whether described user initiates the payment authentication request for the first time at the described commodity of described businessman, if not, failed authentication then, return failed authentication message and end process flow process, if initiate for the first time the payment authentication request, then continue to check described user whether within a certain period of time surpassed specified payment number of times, if surpassed, failed authentication then, return failed authentication message and end process flow process,, then continue described commodity and businessman are carried out authentication if do not surpass specified number of times, if commodity do not have expired, and the information such as price of businessman and commodity are all true fully, and then authentication success is returned the authentication successful information and given portable terminal, otherwise failed authentication returns failed authentication message and end process flow process.Described successfully is for fear of because the failure cause of network causes asking being retransmitted the mistake that produces repeatedly to the payment authentication request authentication of initiating for the first time only, can guarantee that the user can not duplicate the situation of repeatedly paying.Specified payment number of times in the described certain hour can be default voluntarily by the user, and its purpose is to improve the security of this method of payment, and the malice of avoiding other people illegally to obtain behind the portable terminal is paid in a large number.Described commodity and businessman are carried out authentication, be according to the commodity that store in the heart in the value-added service authenticating and charging and the term of validity of Business Information comparison check commodity, and the authenticity of commodity price and businessman, its purpose is, avoid businessman in propaganda, to use speculative price to mislead the buyer, ensure the user's who sends the payment authentication request interests.
Step 203, after the user confirmed, transaction processing system sent the authenticating and charging request to value-added service authenticating and charging center, and paying ability is carried out authentication, and the request of success back transmission authenticating and charging is carried out real-time authenticating and charging to paying apparatus and is handled.
Concrete, describedly paying ability is carried out authentication comprise: the modes of payments of distinguishing the user earlier, if postpaid service user, then carry out authentication, if state of user is normal, when credit rating is enough paid the price of described commodity again according to state of user and user's credit rating, the authentication success, otherwise failed authentication returns failed authentication message and process ends.If the prepaid user then carries out authentication according to user's remaining sum, if when user's remaining sum is enough paid the price of described commodity, the authentication success, otherwise failed authentication returns failed authentication message and process ends.Wherein, described state of user comprises: normal, arrearage, shutdown or cancellation.Described credit rating comprises: if user's back way of paying are by credit card, then according to the facility extent of credit card as credit rating, if user's back way of paying are corporation accounts etc., can set according to concrete payment amount.
Described paying apparatus comprises: back paying apparatus and pre-payment equipment.The content of authentication is identical with the object that carries out authentication at user's paying ability in real time in the equipment of described respective pay mode, but the authentication operations that mainly is this moment is for handling in real time, purpose is to improve the accuracy of authentication, avoid because the wrong authentication and the charging that cause of mistiming, and then improve the real-time security of payment of the present invention.
Further, after step 203, the present invention also comprises:
Step 204 is returned the payment success message by value-added service authenticating and charging center and transaction processing system to portable terminal.
Concrete, comprised the payment result information of pointing out the user in the described payment success message.
Further, because described value-added service authenticating and charging center need carry out authentication to the information of commodity and businessman, therefore before step 201, businessman also needs in time the merchandise news of upgrading to be uploaded to synchronously in the value-added service authenticating and charging in the heart.
Fig. 3 is the idiographic flow synoptic diagram that the present invention is based on the authenticating and charging success of intelligent network payment class value-added service, and as shown in Figure 3, described flow process may further comprise the steps:
Step 301, the user sends Payment Request by portable terminal to transaction processing system;
Concrete, described portable terminal can be individual mobile communication terminals such as mobile phone, PDA.Described transaction processing system can be: telecommunications gateway or sms center, IVR system or WAP gateway etc.Comprise in the described Payment Request: the Business Information of the merchandise news of subscriber identity information, required payment and commodity correspondence.Wherein, the Business Information of the merchandise news of described subscriber identity information, required payment and commodity correspondence can be respectively: user ID, commodity sign and businessman's sign.
Step 302 after transaction processing system receives Payment Request, through handling, sends the payment authentication request to value-added service authenticating and charging center;
Step 303, value-added service authenticating and charging center are carried out authentication process after receiving the payment authentication request of transaction processing system transmission;
Concrete, described authentication process is to carry out authentication process at subscriber identity information, the merchandise news of required payment and the Business Information of commodity correspondence in the payment authentication request.Wherein, the process need of authentication process is comprehensively judged in conjunction with above-mentioned three partial informations: judge whether described user initiates the payment authentication request for the first time at the described commodity of described businessman, if not, failed authentication then, return failed authentication message and end process flow process, if initiate the payment authentication request for the first time, then continue to check described user whether within a certain period of time surpassed specified payment number of times, if surpassed, then failed authentication returns failed authentication message and end process flow process, if do not surpass specified number of times, then continue described commodity and businessman are carried out authentication, expired if commodity do not have, and the information such as price of businessman and commodity are all true fully, then authentication success, return the authentication successful information and give portable terminal, otherwise failed authentication returns failed authentication message and end process flow process.Described successfully is for fear of because the failure cause of network causes asking being retransmitted the mistake that produces repeatedly to the payment authentication request authentication of initiating for the first time only, can guarantee that the user can not duplicate the situation of repeatedly paying.Specified payment number of times in the described certain hour can be default voluntarily by the user, and its purpose is to improve the security of this method of payment, and the malice of avoiding other people illegally to obtain behind the portable terminal is paid in a large number.Described commodity and businessman are carried out authentication, be according to the commodity that store in the heart in the value-added service authenticating and charging and the term of validity of Business Information comparison check commodity, and the authenticity of commodity price and businessman, its purpose is, avoid businessman in propaganda, to use speculative price to mislead the buyer, ensure the user's who sends the payment authentication request interests.
The mind-set transaction processing system returns authenticating result in step 304, the value-added service authenticating and charging;
After step 305, transaction processing system received the message of authentication success, transaction processing system generated acknowledge message according to the authentication success message, and sends to portable terminal;
Concrete, described acknowledge message can use way of short messages to send, and wherein, comprises the information of the commodity that the user need pay.
After step 306, user receive acknowledge message,, then return and finish affirmation to transaction processing system if confirm payment;
After step 307, transaction processing system receive the message of finishing affirmation, send the authenticating and charging request to value-added service authenticating and charging center.
Step 308, value-added service authenticating and charging center are carried out authentication process to the authenticating and charging request to paying ability according to user's type of payment, and for the postpaid service user of authentication success, execution in step 309 is for prepaid user's execution in step 310 of authentication success;
Concrete, describedly paying ability is carried out authentication process comprise: the modes of payments of distinguishing the user earlier, if postpaid service user, then carry out authentication, if state of user is normal, when credit rating is enough paid the price of described commodity again according to state of user and user's credit rating, the authentication success, otherwise failed authentication returns failed authentication message and process ends.If the prepaid user then carries out authentication according to user's remaining sum, if when user's remaining sum is enough paid the price of described commodity, the authentication success, otherwise failed authentication returns failed authentication message and process ends.Wherein, described state of user comprises: normal, arrearage, shutdown or cancellation.Described credit rating comprises: if user's back way of paying are by credit card, then according to the facility extent of credit card as credit rating, if user's back way of paying are corporation accounts etc., can set according to concrete payment amount.
Step 309, value-added service authenticating and charging center back paying apparatus send the authenticating and charging request, and back paying apparatus carries out real-time authentication, if authentication successfully, is then chargeed and returned the payment success message, and execution in step 311;
Concrete, described real-time authentication is identical with authentication in the step 308, and purpose is to improve the accuracy of the authentication of paying in real time among the present invention, avoids the wrong authentication and the charging that cause owing to the mistiming.
Mind-set pre-payment equipment sends the authenticating and charging request in step 310, the value-added service authenticating and charging, and pre-payment equipment carries out real-time authentication, if the authentication success is then deducted fees and returned the payment success message, and execution in step 311;
Concrete, described real-time authentication is identical with authentication in the step 308, and purpose is to improve the accuracy of the authentication of paying in real time among the present invention, avoids the wrong authentication and the charging that cause owing to the mistiming.
Step 311, value-added service authenticating and charging center are returned the payment success message and are given transaction processing system;
Step 312, transaction processing system returns the payment success message to portable terminal, the end process flow process.
Concrete, comprised the payment result information of pointing out the user in the described payment success message.
Further, the aforesaid failed authentication message of returning all is transmitted to portable terminal by transaction processing system.In the described failed message, carried the corresponding error message of prompting subscription authentication failure cause, further handled to make things convenient for the user.
Method for authenticating that the embodiment of the invention provides and system provide strong control and guarantee to quick, safe and real-time mobile payment service.The method for authenticating and the system that use the embodiment of the invention to provide for the user, can realize the purpose of mobile payment simply and easily and guarantee security of payment; For businessman, can dispose the value-added service of payment class fast and realize profit; For operator, can conveniently carry out the application of payment class value-added service based on the intelligent network of maturation.
The above; it only is preferred embodiment of the present invention; certainly; the present invention also can have other various embodiments; under the situation that does not deviate from spirit of the present invention and essence thereof; those of ordinary skill in the art work as can make various corresponding changes and distortion according to the present invention, but these corresponding changes and distortion also should belong in the protection domain of appending claims of the present invention.
Claims (10)
1. authorization accounting system based on the value-added service of intelligent network payment class is characterized in that this right discriminating system comprises: transaction processing system, and value-added service authenticating and charging center and paying apparatus, wherein,
Described transaction processing system, be used to receive the Payment Request that the user sends, and to value-added service authenticating and charging center transmission payment authentication request, after receiving the message of the payment authentication success of returning at value-added service authenticating and charging center, send acknowledge message to the user, after the user confirms, send the authenticating and charging request, also be used to transmit the failed authentication message that value-added service authenticating and charging center is returned;
Described value-added service authenticating and charging center, stored the Business Information of user profile and commodity and commodity correspondence, payment authentication request or authenticating and charging request are carried out authentication process or paying ability is carried out authentication, during failed authentication, return failed authentication message, to returning the authentication success message after the success of payment authentication request authentication, paying ability is carried out authentication success back send the authenticating and charging request to paying equipment;
Described paying apparatus is used for described authenticating and charging request is carried out real-time authentication and made accounting processing.
2. according to the described system of claim 1, it is characterized in that,
Also comprise in the heart in the described value-added service authenticating and charging: the merchandise news synchronization module is used for businessman merchandise news is uploaded to the value-added service authenticating and charging in the heart; And/or,
Described paying apparatus also is used for returning the payment success message by value-added service authenticating and charging center and transaction processing system to portable terminal.
3. according to claim 1 or 2 described systems, it is characterized in that described transaction processing system is specially: send the disposal system of the corresponding network side of mode of Payment Request with the user.
4. according to claim 1 or 2 described systems, it is characterized in that, authentication process is carried out to the payment authentication request in described value-added service authenticating and charging center, comprise: inquire about in the described value-added service authenticating and charging canned data in the heart according to the Business Information of the merchandise news of the subscriber identity information of payment in the authentication request, required payment and commodity correspondence, compare and finish authentication process.
5. according to claim 1 or 2 described systems, it is characterized in that described paying apparatus carries out real-time authentication, comprising:, then make further authentication in real time at state of user and credit rating for the postpaid service user; For the prepaid user, then carry out real-time authentication and make real-time accounting processing at user's remaining sum.
6. authentication charging method based on the value-added service of intelligent network payment class is characterized in that described method comprises:
Value-added service authenticating and charging center receives the payment authentication request that transaction processing system sends;
To the authentication process of carrying out in the described payment authentication request, if the authentication success, then return messages prompting user confirms, otherwise, return failed authentication message, and the end process flow process;
After the user confirms, send the authenticating and charging request to value-added service authenticating and charging center, paying ability is carried out authentication, the request of success back transmission authenticating and charging is carried out real-time authenticating and charging to paying apparatus and is handled.
7. according to the described method of claim 6, it is characterized in that,
Described value-added service authenticating and charging center also comprises before receiving the payment authentication request: businessman uploads to merchandise news in the value-added service authenticating and charging in the heart; And/or,
Described paying apparatus carries out also comprising: return the payment success message by value-added service authenticating and charging center and transaction processing system to portable terminal after the authenticating and charging processing.
8. according to claim 6 or 7 described methods, it is characterized in that described transaction processing system is specially: send the disposal system of the corresponding network side of mode of Payment Request with the user.
9. according to claim 6 or 7 described methods, it is characterized in that, described to the authentication process of carrying out in the described payment authentication request, comprise: inquire about in the described value-added service authenticating and charging canned data in the heart according to the Business Information of the merchandise news of the subscriber identity information of payment in the authentication request, required payment and commodity correspondence, compare and finish authentication process.
10. according to claim 6 or 7 described methods, it is characterized in that described paying apparatus carries out real-time authenticating and charging to be handled, and comprising:, then make further authentication in real time at state of user and credit rating for the postpaid service user; For the prepaid user, then carry out real-time authentication and make real-time accounting processing at user's remaining sum.
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| CN (1) | CN102270326A (en) |
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| WO2014177098A1 (en) * | 2013-12-24 | 2014-11-06 | 中兴通讯股份有限公司 | Application software online payment processing method and system |
| CN105282725A (en) * | 2015-09-02 | 2016-01-27 | 世纪龙信息网络有限责任公司 | Business charging method and system |
| CN105825373A (en) * | 2015-01-06 | 2016-08-03 | ***通信集团江苏有限公司 | Payment method, digital video conversion device and mobile terminal |
| CN106327172A (en) * | 2015-06-17 | 2017-01-11 | 西安中兴新软件有限责任公司 | Payment method and device for virtual SIM card terminal |
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| US20050048950A1 (en) * | 2001-10-24 | 2005-03-03 | Siemens Aktiengesellschaft | Method and device for authenticated access of a station to local data networks in particular radio data networks |
| CN1848822A (en) * | 2005-04-04 | 2006-10-18 | 华为技术有限公司 | Interactive processing method and system for intelligent network system and payment system |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2014177098A1 (en) * | 2013-12-24 | 2014-11-06 | 中兴通讯股份有限公司 | Application software online payment processing method and system |
| CN104732384A (en) * | 2013-12-24 | 2015-06-24 | 中兴通讯股份有限公司 | Processing method and system for application software online payment |
| CN105825373A (en) * | 2015-01-06 | 2016-08-03 | ***通信集团江苏有限公司 | Payment method, digital video conversion device and mobile terminal |
| CN106327172A (en) * | 2015-06-17 | 2017-01-11 | 西安中兴新软件有限责任公司 | Payment method and device for virtual SIM card terminal |
| CN106327172B (en) * | 2015-06-17 | 2021-10-22 | 西安中兴新软件有限责任公司 | Payment method and device for virtual SIM card terminal |
| CN105282725A (en) * | 2015-09-02 | 2016-01-27 | 世纪龙信息网络有限责任公司 | Business charging method and system |
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