CN104376454A - Digital family integrated service payment system and method - Google Patents
Digital family integrated service payment system and method Download PDFInfo
- Publication number
- CN104376454A CN104376454A CN201410642968.4A CN201410642968A CN104376454A CN 104376454 A CN104376454 A CN 104376454A CN 201410642968 A CN201410642968 A CN 201410642968A CN 104376454 A CN104376454 A CN 104376454A
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- Prior art keywords
- payment
- digital
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- unionpay
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Classifications
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
- H04N21/20—Servers specifically adapted for the distribution of content, e.g. VOD servers; Operations thereof
- H04N21/25—Management operations performed by the server for facilitating the content distribution or administrating data related to end-users or client devices, e.g. end-user or client device authentication, learning user preferences for recommending movies
- H04N21/254—Management at additional data server, e.g. shopping server, rights management server
- H04N21/2543—Billing, e.g. for subscription services
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
- H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
- H04N21/41—Structure of client; Structure of client peripherals
- H04N21/418—External card to be used in combination with the client device, e.g. for conditional access
- H04N21/4185—External card to be used in combination with the client device, e.g. for conditional access for payment
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Signal Processing (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Multimedia (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Databases & Information Systems (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention belongs to the field of digital family network communication and particularly relates to a digital family integrated service payment system and method. The payment system comprises a control terminal system, a payment service system, an application service system, a safety server and a data server. The system has the advantages that while watching a TV, family users can select various kinds of application service conveniently and fast, payment can be finished through the digital TV, the system is a fourth largest financial channel for achieving financial payment in a digital TV mode following after an ATM, a telephone bank and an internet bank, binding of a CA card and a commerce bank card is adopted by the system, and therefore the safety of the system is ensured; the system has the high processing capacity and the finance level system reliability and is provided with a rigorous safety control system.
Description
Technical field
The invention belongs to the digital home network communications field, particularly relate to a kind of digital household comprehensive business payment system and method for payment.
Technical background
Digital home's industry development is in recent years very fast, along with the propelling of integration of three networks pilot, each big city has established centered by Digital Television, multi-service, digital home's applied environment of multiple networks fusion, derived various value-added service simultaneously, such as VOD, online shopping, Financial Information is served, E-Government, long-distance education etc., in the face of various integrated service, still traditional modes of payments is adopted at present, as e-Bank payment (requires high to user, to surf the Net, open bank card and Net silver service, safe not, account number and password ratio are easier to obtain), mobile-phone payment is (higher to user's acceptance/degree of recognition, payment cost is too high, safe not) and phone-payment (need task equipment, higher to user's acceptance/degree of recognition), this modes of payments degree all can not bring many problems to user.
Universal along with Digital Television and broadband network, how when low cost, makes full use of existing software and hardware facilities and realizes more function, user-friendly use, is the urgent problem solved at present.Set up the family finance modes of payments centered by Digital Television, the line correlation research of some digital TV set-top box producers, also immature, also do not form a kind of integrated service payment system for digital home at present.
Summary of the invention
The object of the invention is to overcome the deficiencies in the prior art, propose a kind of digital household comprehensive business payment system, set up the financial payment pattern centered by Digital Television.
Another object of the present invention is to provide a kind of digital household comprehensive business method of payment.
In order to realize goal of the invention one, the technical scheme of employing is as follows:
A kind of digital household comprehensive business payment system, comprises control terminal system, payment services system, application service system, security server and data server.
Described control terminal system comprises telepilot, intellective IC card, swipe card reader and digital TV set-top box, intellective IC card is connected with digital TV set-top box by card-reading terminal of swiping the card, intellective IC card is CA card and bank card joint name card, CA card binding bank card, and swipe card reader is embedded in digital TV set-top box.
Payment services system and control terminal system connects, and comprises payment gateway, paying server and security server three system components, and each assembly can be run by one or multiple servers.Payment gateway is responsible for setting up payment services system and is connected to the payment of Unionpay, completes the PayPal telecommunications services of telepilot to system.Paying server receives the payment request that telepilot sends, and according to paying the particular content of request, submitting to Unionpay's public payment platform process, after payment processes terminates, result being notified that telepilot turns back to application service system.
Described application service system is connected with control terminal system, and comprise application gateway, application server and security server three system components, each assembly can be made up of one or multiple servers.Application gateway is responsible for setting up payment services system and is connected to the application of digital television system, completes digital television system to the communication service of payment services systematic difference.Application server is provided with the interface matched with various Service Providers system, be responsible for the management of payment services systematic difference, control and complete transaction flow, content and the flow process of application is obtained from service provider, application content and client operation flow process are sent to digital television system as electronic programming content, payment services system is given by payment information after receiving the sequence information of digital television system, wait for the payment processes result of payment services system, and this result is sent back to service provider.
Data server is run by one or multiple servers, concentrates the transaction data being responsible for whole system to store and access control, provides data management simultaneously and excavate service to application server.
Described security server is responsible for controlling communicating and transaction security of payment services systematic difference and payment, and to paying and the key management of application communication, certification and encryption and decryption work.
In order to realize goal of the invention two, the technical scheme of employing is as follows:
A kind of digital household comprehensive business method of payment, mainly comprises the following steps:
(1) user carries out business information selection, selects the business needing transaction, checks payment, completed the transmission of payment instruction by telepilot to terminal;
(2) command information is encrypted packing and is sent to payment services system by terminal;
(3) send payment request information to Unionpay's public payment platform, after payment services system carries out legitimacy verification to the information that terminal is sent up, Transaction Information is sent payment request information to Unionpay's public payment platform;
(4) Transaction Information is sent credit card issuer and completes and withhold by Unionpay's public payment platform;
(5) credit card issuer complete and withhold after return message to Unionpay's public payment platform;
(6) judge whether service provider accesses Unionpay's public payment platform: after Unionpay's public payment platform receives credit card issuer successful information, judge whether service provider accesses Unionpay's public payment platform;
(7) if service provider is access Unionpay public payment platform, then turn (9) step, otherwise payment services system initiates payment transaction to the system of service provider;
(8) Service Providers system returns payment result to payment services system;
(9) payment services system acceptance Service Providers system payment object information, then information is returned to terminal;
(10) terminal demonstration transaction results information.
The invention has the advantages that domestic consumer is while seeing TV, various application service can be selected easily and efficiently, and complete payment by digital television, after ATM, telephone bank and Web bank, the fourth-largest financial channel of financial payment is realized in Digital Television mode, system have employed the binding of CA card and commercial bank's card, ensures the security of system.There is the system reliability of powerful processing power, tight security control system and financial level.
Embodiment
Below in conjunction with embodiment, the present invention is described further.
Embodiment 1:
A kind of digital household comprehensive business payment system of the present invention, comprises control terminal system, payment services system, application service system, security server and data server.
Control terminal system comprises telepilot, intellective IC card, swipe card reader and digital TV set-top box, intellective IC card is connected with digital TV set-top box by card-reading terminal of swiping the card, intellective IC card is CA card and bank card joint name card, CA card binding bank card, and swipe card reader is embedded in digital TV set-top box.Telepilot completes the function of common set-top box remote controller, comprise browse, select, the multiple function mutual with top box of digital machine such as control.Further comprises the basic distant control functions such as keyboard I/O and infrared communication in this module.Intelligent IC and Set Top Box carry out information interaction, the on-line payment of finishing service.
Payment services system comprises payment gateway, paying server and security server three system components.Payment gateway is responsible for setting up payment services system and is connected to the payment of Unionpay, completes the PayPal telecommunications services of telepilot to system.Paying server receives the payment request that telepilot sends, and according to paying the particular content of request, submitting to Unionpay's public payment platform process, after payment processes terminates, result being notified that telepilot turns back to application service system.
Application service system comprises application gateway, application server and security server three system components, and each assembly can be made up of one or multiple servers.Application gateway is responsible for setting up payment services system and is connected to the application of digital television system, completes digital television system to the communication service of payment services systematic difference.Application server is provided with the interface matched with various Service Providers system, be responsible for the management of payment services systematic difference, control and complete transaction flow, content and the flow process of application is obtained from service provider, application content and client operation flow process are sent to digital television system as electronic programming content, payment services system is given by payment information after receiving the sequence information of digital television system, wait for the payment processes result of payment services system, and this result is sent back to service provider.
A kind of digital household comprehensive business method of payment of the present invention flow process, mainly comprises the following steps:
(1) user carries out business information selection, selects the business needing transaction, checks payment, completed the transmission of payment instruction by telepilot to terminal;
(2) command information is encrypted packing and is sent to payment services system by terminal;
(3) send payment request information to Unionpay's public payment platform, after payment services system carries out legitimacy verification to the information that terminal is sent up, Transaction Information is sent payment request information to Unionpay's public payment platform;
(4) Transaction Information is sent credit card issuer and completes and withhold by Unionpay's public payment platform;
(5) credit card issuer complete and withhold after return message to Unionpay's public payment platform;
(6) judge whether service provider accesses Unionpay's public payment platform: after Unionpay's public payment platform receives credit card issuer successful information, judge whether service provider accesses Unionpay's public payment platform;
(7) if service provider is access Unionpay public payment platform, then turn (9) step, otherwise payment services system initiates payment transaction to the system of service provider;
(8) Service Providers system returns payment result to payment services system;
(9) payment services system acceptance Service Providers system payment object information, then information is returned to terminal;
(10) terminal demonstration transaction results information.
Claims (8)
1. a digital household comprehensive business payment system, is characterized in that comprising control terminal system, payment services system, application service system, security server and data server.
2. a kind of digital household comprehensive business payment system according to claim 1, it is characterized in that described control terminal system comprises telepilot, intellective IC card, swipe card reader and digital TV set-top box, intellective IC card is connected with digital TV set-top box by swipe card reader, and swipe card reader is embedded in digital TV set-top box.
3. a kind of digital household comprehensive business payment system according to claim 2, is characterized in that described intellective IC card is CA card and bank card joint name card or CA card binding bank card.
4. a kind of digital household comprehensive business payment system according to claim 1, it is characterized in that described payment services system and control terminal system connects, comprise payment gateway, paying server and security server three system components, each assembly can be run by one or multiple servers.
5. a kind of digital household comprehensive business payment system according to claim 1, it is characterized in that the payment request that described paying server reception telepilot sends, and according to paying the particular content of request, submit to Unionpay's public payment platform process, after payment processes terminates, result is notified that telepilot turns back to application service system.
6. a kind of digital household comprehensive business payment system according to claim 1, it is characterized in that described application service system is connected with control terminal system, comprise application gateway, application server and security server three system components, each assembly can be made up of one or multiple servers.
7. a kind of digital household comprehensive business payment system according to claim 1, is characterized in that described application server is provided with the interface matched with various Service Providers system.
8. a digital household comprehensive business method of payment, is characterized in that comprising the following steps: (1) user carries out business information selection, selects the business needing transaction, checks payment, completed the transmission of payment instruction by telepilot to terminal; (2) command information is encrypted packing and is sent to payment services system by terminal; (3) send payment request information to Unionpay's public payment platform, after payment services system carries out legitimacy verification to the information that terminal is sent up, Transaction Information is sent payment request information to Unionpay's public payment platform; (4) Transaction Information is sent credit card issuer and completes and withhold by Unionpay's public payment platform; (5) credit card issuer complete and withhold after return message to Unionpay's public payment platform; (6) judge whether service provider accesses Unionpay's public payment platform: after Unionpay's public payment platform receives credit card issuer successful information, judge whether service provider accesses Unionpay's public payment platform; (7) if service provider is access Unionpay public payment platform, then turn (9) step, otherwise payment services system initiates payment transaction to the system of service provider; (8) Service Providers system returns payment result to payment services system; (9) payment services system acceptance Service Providers system payment object information, then information is returned to terminal; (10) terminal demonstration transaction results information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410642968.4A CN104376454A (en) | 2014-11-13 | 2014-11-13 | Digital family integrated service payment system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410642968.4A CN104376454A (en) | 2014-11-13 | 2014-11-13 | Digital family integrated service payment system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104376454A true CN104376454A (en) | 2015-02-25 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410642968.4A Pending CN104376454A (en) | 2014-11-13 | 2014-11-13 | Digital family integrated service payment system and method |
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| Country | Link |
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| CN (1) | CN104376454A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113055222A (en) * | 2021-01-27 | 2021-06-29 | 北京思特奇信息技术股份有限公司 | Cross-operator converged service handling method and system |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP0690399A2 (en) * | 1994-06-30 | 1996-01-03 | Tandem Computers Incorporated | Remote financial transaction system |
| CN101207789A (en) * | 2007-12-25 | 2008-06-25 | 深圳市同洲电子股份有限公司 | Server, transport operation system and paying method using digital television system |
| CN102087771A (en) * | 2010-12-17 | 2011-06-08 | 广州市亮智信息科技有限公司 | Payment system of digital household comprehensive business and payment method thereof |
| CN102905169A (en) * | 2012-09-14 | 2013-01-30 | 四川长虹电器股份有限公司 | Television payment method |
-
2014
- 2014-11-13 CN CN201410642968.4A patent/CN104376454A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| EP0690399A2 (en) * | 1994-06-30 | 1996-01-03 | Tandem Computers Incorporated | Remote financial transaction system |
| CN101207789A (en) * | 2007-12-25 | 2008-06-25 | 深圳市同洲电子股份有限公司 | Server, transport operation system and paying method using digital television system |
| CN102087771A (en) * | 2010-12-17 | 2011-06-08 | 广州市亮智信息科技有限公司 | Payment system of digital household comprehensive business and payment method thereof |
| CN102905169A (en) * | 2012-09-14 | 2013-01-30 | 四川长虹电器股份有限公司 | Television payment method |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113055222A (en) * | 2021-01-27 | 2021-06-29 | 北京思特奇信息技术股份有限公司 | Cross-operator converged service handling method and system |
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Application publication date: 20150225 |