CN106327172B - Payment method and device for virtual SIM card terminal - Google Patents

Payment method and device for virtual SIM card terminal Download PDF

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CN106327172B
CN106327172B CN201510333732.7A CN201510333732A CN106327172B CN 106327172 B CN106327172 B CN 106327172B CN 201510333732 A CN201510333732 A CN 201510333732A CN 106327172 B CN106327172 B CN 106327172B
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sim card
virtual sim
terminal
payment
bill
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CN106327172A (en
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邱振辉
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Xian Zhongxing New Software Co Ltd
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Xian Zhongxing New Software Co Ltd
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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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor

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  • Theoretical Computer Science (AREA)
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  • Microelectronics & Electronic Packaging (AREA)
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Abstract

The embodiment of the invention discloses a payment method of a virtual SIM card terminal, which comprises the following steps: generating a user bill of a virtual SIM card terminal corresponding to the terminal identity identifier according to the received virtual SIM card service information carrying the terminal identity identifier; receiving payment mode configuration information, wherein the payment mode configuration information carries a terminal identity identifier and a terminal payment mode; and paying the user bill of the virtual SIM card terminal corresponding to the terminal identity identification according to the terminal payment mode. The embodiment of the invention also discloses a payment device of the virtual SIM card terminal.

Description

Payment method and device for virtual SIM card terminal
Technical Field
The present invention relates to a terminal payment technology, and in particular, to a payment method and device for a virtual Subscriber Identity Module (SIM) card terminal.
Background
With the rapid development of mobile communication technology, the virtual SIM card technology is more and more mature, and a terminal supporting the virtual SIM card can enable a user to directly access wireless network services of an operator without using a traditional SIM card, so that the roaming problem of the traditional SIM card can be easily solved. Compared with the traditional SIM card, the virtual SIM card can not only cancel the SIM card slot in the traditional terminal and lead the terminal to become lighter, but also lead the user to conveniently and independently select the network operator. Due to the difference between the virtual SIM card and the traditional SIM card, the virtual SIM card brings new service functions and new terminal products impacting the traditional communication industry. The related terminal and system platform solutions supporting virtual SIM cards attract more and more attention and use of operators and users.
At present, a technical scheme of a virtual SIM card does not have a scheme of virtual SIM card payment, and an existing traditional SIM card payment scheme is based on SIM cards, one SIM card corresponds to one number, and when a user pays, the user needs to go to a corresponding operator business hall to handle bill settlement services for the number corresponding to the traditional SIM card, or manually pays a bill of the number corresponding to the traditional SIM card to a corresponding operator through a third party payment platform. In addition, in order to solve the roaming problem of the conventional SIM card, a plurality of numbers belonging to different operators may be allocated under the account of the virtual SIM card, and if the billing settlement and payment are performed on each number according to the conventional SIM card payment scheme, the user needs to go to each operator business hall to handle the billing settlement service of the user for each number, or manually perform online transaction payment on each number through a third party payment platform; therefore, the operation is obviously complicated, and the requirements of intellectualization and humanization of the user cannot be met.
Disclosure of Invention
In view of this, embodiments of the present invention are expected to provide a payment method and apparatus for a virtual SIM card terminal, which can perform a user bill settlement service more intelligently and more personally.
In order to achieve the purpose, the technical scheme of the invention is realized as follows:
a payment method of a virtual SIM card terminal, the method comprising:
generating a user bill of a virtual SIM card terminal corresponding to the terminal identity identifier according to the received virtual SIM card service information carrying the terminal identity identifier;
receiving payment mode configuration information, wherein the payment mode configuration information carries a terminal identity identifier and a terminal payment mode;
and paying the user bill of the virtual SIM card terminal corresponding to the terminal identity identification according to the terminal payment mode.
In the above scheme, the generating a user bill of the virtual SIM card terminal corresponding to the terminal identity according to the received virtual SIM card service information carrying the terminal identity includes:
generating service bills of each communication operator of the virtual SIM card terminal corresponding to the terminal identity identification according to the received virtual SIM card service information carrying the terminal identity identification;
and taking the total cost of the service bill corresponding to each communication operator as the user bill of the virtual SIM card terminal corresponding to the terminal identity identification.
In the above scheme, the receiving payment method configuration information includes:
receiving and decrypting encrypted payment mode configuration information sent by the virtual SIM card terminal; the payment mode configuration information carries a terminal identity and a terminal payment mode, and the terminal payment mode comprises at least one of the following payment modes: payment of virtual SIM card account and payment of bank card;
when the terminal payment mode comprises bank card payment, the payment mode configuration information also carries bank card information applied to the bank card payment; at this time, before the user bill of the virtual SIM card terminal corresponding to the terminal identity is paid according to the terminal payment method, the method further includes:
encrypting the bank card information in the payment mode configuration information and then sending the encrypted bank card information to a third party payment platform, wherein the bank card information is used for the third party payment platform to carry out bank card validity verification and transaction authorization;
and receiving the legal bank card and transaction authorization information sent by the third party payment platform.
In the foregoing solution, the paying the user bill of the virtual SIM card terminal corresponding to the terminal identity according to the terminal payment method includes:
paying a user bill of a virtual SIM card terminal corresponding to the terminal identity identification to a virtual SIM card operator by applying a virtual SIM card account corresponding to the terminal identity identification;
or,
encrypting a user bill of a virtual SIM card terminal corresponding to a terminal identity and the bank card information and then sending the encrypted user bill and the encrypted bank card information to a third party payment platform, wherein the user bill of the virtual SIM card terminal corresponding to the terminal identity and the bank card information are used for the third party payment platform to pay the user bill of the virtual SIM card terminal corresponding to the terminal identity to a virtual SIM card operator by applying a bank card; and receiving user bill payment completion information sent by the third party payment platform.
In the above scheme, after paying the user bill of the virtual SIM card terminal corresponding to the terminal identity according to the terminal payment method, the method further includes:
and sending the user bill of the virtual SIM card terminal and a payment result for paying the user bill of the virtual SIM card terminal to the virtual SIM card terminal.
A payment method of a virtual SIM card terminal, the method comprising:
payment mode configuration information sent to a virtual SIM card charging management server; the payment mode configuration information carries a terminal identity identifier and a terminal payment mode, and is used for enabling the virtual SIM card billing management server to pay a user bill of the virtual SIM card terminal corresponding to the terminal identity identifier according to the terminal payment mode.
In the foregoing solution, the payment method configuration information sent to the virtual SIM card charging management server includes:
sending encrypted payment mode configuration information to a virtual SIM card charging management server; the terminal payment mode comprises at least one of the following payment modes: virtual SIM card account payment and bank card payment.
In the foregoing solution, after the payment method configuration information sent to the virtual SIM card charging management server, the method further includes:
and receiving the user bill of the virtual SIM card terminal and a payment result for paying the user bill of the virtual SIM card terminal, which are sent by a virtual SIM card charging management server.
A payment device of a virtual SIM card terminal, the device comprising:
the bill generating unit is used for generating a user bill of the virtual SIM card terminal corresponding to the terminal identity identifier according to the received virtual SIM card service information carrying the terminal identity identifier;
the payment system comprises a first receiving unit, a second receiving unit and a payment processing unit, wherein the first receiving unit is used for receiving payment mode configuration information, and the payment mode configuration information carries a terminal identity and a terminal payment mode;
and the bill payment unit is used for paying the user bill of the virtual SIM card terminal corresponding to the terminal identity identifier generated by the bill generation unit according to the terminal payment mode received by the first receiving unit.
In the above scheme, the bill generating unit is specifically configured to generate a service bill of each communication operator of the virtual SIM card terminal corresponding to the terminal identity according to the received virtual SIM card service information carrying the terminal identity; and taking the total cost of the service bill corresponding to each communication operator as the user bill of the virtual SIM card terminal corresponding to the terminal identity identification.
In the above scheme, the first receiving unit is specifically configured to receive and decrypt encrypted payment mode configuration information sent by the virtual SIM card terminal; the terminal payment mode comprises at least one of the following payment modes: payment of virtual SIM card account and payment of bank card;
when the terminal payment mode comprises bank card payment, the payment mode configuration information also carries bank card information applied to the bank card payment; the device also comprises a first sending unit;
the first sending unit is used for encrypting the bank card information in the payment mode configuration information received by the first receiving unit and then sending the encrypted bank card information to a third party payment platform, wherein the bank card information is used for carrying out bank card validity verification and transaction authorization on the third party payment platform;
the first receiving unit is also used for receiving the bank card legal and transaction authorization information sent by the third party payment platform.
In the above scheme, the bill payment unit is further configured to apply the virtual SIM card account corresponding to the terminal identity to pay the user bill of the virtual SIM card terminal corresponding to the terminal identity to a virtual SIM card operator;
or,
the bill payment unit is further configured to encrypt a generated user bill of the virtual SIM card terminal corresponding to the terminal identity and the bank card information received by the first receiving unit and send the encrypted user bill to a third party payment platform, where the user bill of the virtual SIM card terminal corresponding to the terminal identity and the bank card information are used by the third party payment platform to pay the user bill of the virtual SIM card terminal corresponding to the terminal identity to a virtual SIM card operator by using the bank card;
the first receiving unit is further configured to receive user bill payment completion information sent by the third-party payment platform.
In the above scheme, the apparatus further comprises: a first sending unit, wherein,
the first sending unit is configured to send the user bill of the virtual SIM card terminal corresponding to the terminal identity generated by the bill generating unit and the payment result of the bill payment unit paying the user bill of the virtual SIM card terminal corresponding to the terminal identity to the virtual SIM card terminal.
A virtual SIM card terminal, the virtual SIM card terminal comprising:
the processing unit is used for acquiring payment mode configuration information of the virtual SIM card terminal;
the second sending unit is used for sending the payment mode configuration information acquired by the processing unit to a virtual SIM card charging management server; the payment mode configuration information carries a terminal identity identifier and a terminal payment mode, and is used for enabling the virtual SIM card billing management server to pay a user bill of the virtual SIM card terminal corresponding to the terminal identity identifier according to the terminal payment mode.
In the foregoing solution, the second sending unit is specifically configured to send the encrypted payment mode configuration information obtained by the processing unit to a virtual SIM card charging management server; the terminal payment mode comprises at least one of the following payment modes: virtual SIM card account payment and bank card payment.
In the foregoing solution, the virtual SIM card terminal further includes: a second receiving unit, wherein,
the second receiving unit is configured to receive the user bill of the virtual SIM card terminal and the payment result of paying the user bill of the virtual SIM card terminal, which are sent by the virtual SIM card charging management server.
The embodiment of the invention provides a payment method and a payment device of a virtual SIM card terminal, wherein a user only needs to send payment mode configuration information to a virtual SIM card charging management server through the virtual SIM card terminal; correspondingly, after the virtual SIM card charging management server generates the user bill of the virtual SIM card terminal, the user bill of the virtual SIM card terminal can be paid according to the payment mode in the payment mode configuration information.
Drawings
Fig. 1 is a schematic flow chart of a payment method of a virtual SIM card terminal according to embodiment 1 of the present invention;
fig. 2 is a block diagram of a payment system of a virtual SIM card terminal according to embodiment 2 of the present invention;
fig. 3 is a schematic flow chart of a payment method of a virtual SIM card terminal according to embodiment 2 of the present invention;
fig. 4 is a block diagram of a payment apparatus of a virtual SIM card terminal according to embodiment 3 of the present invention;
fig. 5 is a block diagram of a virtual SIM card terminal according to embodiment 3 of the present invention.
Detailed Description
The technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention.
Example 1
The embodiment of the invention provides a payment method of a virtual SIM card terminal, which is applied to a virtual SIM card charging management server, and as shown in figure 1, the processing flow of the method of the embodiment comprises the following steps:
step 101, generating a user bill of the virtual SIM card terminal corresponding to the terminal identity according to the received virtual SIM card service information carrying the terminal identity.
Here, the virtual SIM card service information of the virtual SIM card terminal is sent by the virtual SIM card service management server; the virtual SIM card service management server is a server responsible for implementing the virtual SIM card operator to provide the virtual SIM card terminal with related service functions, for example, the virtual SIM card terminal uses a domestic mobile number in china, when a user of the virtual SIM card terminal goes abroad and goes on business and enters a communication network of the country, in order to solve the roaming problem of the conventional SIM card, the virtual SIM card service management server will assign a number suitable for the communication network of the country to the virtual SIM card terminal, and the virtual SIM card terminal will use the newly assigned number to perform services such as voice service, internet access service and the like in the country; and the virtual SIM card service management server sends the virtual SIM card service information performed by the virtual SIM card terminal to the virtual SIM card charging management server. The virtual SIM card service information carries a terminal identity, which represents a virtual SIM card terminal used to identify the virtual SIM card service information.
The virtual SIM card charging management server can calculate the cost corresponding to the virtual SIM card services according to the virtual SIM card service information, and further generate a user bill of the virtual SIM card terminal corresponding to the terminal identity.
The virtual SIM card charging management server triggers a bill transaction settlement process according to related configuration such as a payment strategy of the virtual SIM card terminal, wherein the related strategy can be daily payment or monthly payment, if the daily payment is carried out, the virtual SIM card charging management server generates a user bill of the virtual SIM card terminal every day, and then the payment process is carried out; if the payment is made monthly, the virtual SIM card charging management server can generate a user bill of the virtual SIM card terminal in the month on the last day of each month, and then the payment process is carried out.
Because the virtual SIM card terminal may be in communication networks of different communication operators in different time periods, and communicate by applying numbers under different operators, the virtual SIM card charging management server may generate a service bill of each communication operator of the virtual SIM card terminal corresponding to the terminal identity according to the received virtual SIM card service information carrying the terminal identity; and taking the total cost of the service bill corresponding to each communication operator as the user bill of the virtual SIM card terminal corresponding to the terminal identity identification. For example, if the virtual SIM card service information of the virtual SIM card terminal sent by the SIM card service management server performs a1 service, a2 service, and A3 service for number a under the mobile operator, the virtual SIM card charging management server may calculate the service cost of the mobile operator according to each service charging standard in the a1 service, the a2 service, and the A3 service, and then may generate a service bill of the mobile operator: the total number of the A1 service + A2 service + A3 service is 20 yuan; similarly, the service bill of the telecommunications operator: the total of the service B1, the service B2 and the service B3 is 20 yuan, and the service bill of the operator is communicated: the total of the C1 service, the C2 service and the C3 service is 20 yuan. The user bill of the virtual SIM card terminal is 60 yuan of the total cost of the service bill corresponding to each communication operator.
And 102, receiving payment mode configuration information.
The payment mode configuration information is sent by the virtual SIM card terminal; the payment mode configuration information carries a terminal identity and a terminal payment mode.
The payment mode configuration information of the virtual SIM card terminal stored in the virtual SIM card charging management server is configured by the virtual SIM card terminal, and a user of the virtual SIM card terminal can configure according to the actual situation of the user and then send the configuration information to the virtual SIM card charging management server by the virtual SIM card terminal. The payment mode configuration information carries a terminal identity and a terminal payment mode, and the terminal payment mode comprises at least one of the following payment modes: virtual SIM card account payment and bank card payment. When the terminal payment mode comprises bank card payment, the payment mode configuration information also carries bank card information applied to the bank card payment, and the bank card information is generally the card number of the bank card. The virtual SIM card account is an account corresponding to the virtual SIM card terminal, namely a terminal identity corresponds to a virtual SIM card account, the virtual SIM card account is used for paying the cost generated by various services performed by the virtual SIM card terminal, and the bank card payment is realized by binding a bank card to the virtual SIM card terminal and paying the cost generated by various services performed by the virtual SIM card terminal by using the bank card.
And 103, paying the user bill of the virtual SIM card terminal corresponding to the terminal identity according to the terminal payment mode.
If the payment mode in the payment mode configuration information of the virtual SIM card terminal is virtual SIM card account payment, the virtual SIM card charging management server applies a virtual SIM card account corresponding to the terminal identity identification to pay the account; and if the payment mode in the payment mode configuration information of the virtual SIM card terminal is bank card payment, the virtual SIM card charging management server applies the bank card to perform transaction settlement. If the payment mode in the payment mode configuration information of the virtual SIM card terminal is to firstly use the virtual SIM card account for payment, and use the bank card for payment when the balance of the virtual SIM card account is insufficient, the virtual SIM card charging management server uses the virtual SIM card account number for transaction settlement, and if the balance of the virtual SIM card account number is insufficient, the virtual SIM card charging management server uses the bank card for transaction settlement.
Performing transaction settlement by using a virtual SIM card account mode, wherein each virtual SIM card terminal corresponds to one virtual SIM card account and also corresponds to the identifier through a terminal identity identifier; the virtual SIM card charging management server can pay the user bill of the virtual SIM card terminal corresponding to the terminal identity in the payment mode configuration information according to the received virtual SIM card account mode in the payment mode configuration information, and the virtual SIM card charging management server applies the virtual SIM card account corresponding to the terminal identity to pay the user bill of the virtual SIM card terminal corresponding to the terminal identity to a virtual SIM card operator.
And the virtual SIM card charging management server encrypts a user bill of the virtual SIM card terminal corresponding to the terminal identity identifier and the information of the bank card and then sends the encrypted bill to a third party payment platform for bill settlement. The third party payment platform communicates with a business server of a bank background through a bank private network, confirms payment transaction authorization after being verified by an issuing organization of a bank card, applies a user bill of a virtual SIM card terminal corresponding to the identity identification of the bank card payment terminal to a virtual SIM card operator by means of a bank private financial network after the bank payment settlement confirmation is obtained, and then sends user bill payment completion information to a virtual SIM card charging management server.
After obtaining the fees, the virtual SIM card operator pays the fees to each communication operator on the virtual SIM card terminal according to predetermined rules. The predetermined rules described herein are obtained by negotiation between the virtual SIM card operator and the respective communication operators.
The embodiment of the invention provides a payment method of a virtual SIM card terminal, which is applied to the virtual SIM card terminal, and the processing flow of the method comprises the following steps:
and step S1, sending the payment mode configuration information to the virtual SIM card charging management server.
The payment mode configuration information carries a terminal identity identifier and a terminal payment mode, and is used for enabling the virtual SIM card billing management server to pay a user bill of the virtual SIM card terminal corresponding to the terminal identity identifier according to the terminal payment mode.
In the method, the user only needs to send the payment mode configuration information to the virtual SIM card charging management server through the virtual SIM card terminal, so that the virtual SIM card charging management server can pay the user bill of the virtual SIM card terminal according to the payment mode in the payment mode configuration information after generating the user bill of the virtual SIM card terminal.
Example 2
The embodiment of the invention provides a payment method of a virtual SIM card terminal, which is realized based on a payment system shown in figure 3, and as shown in figure 2, the payment system comprises: a virtual SIM card terminal 201, a wide area network 202, a virtual SIM card charging management server 203, a virtual SIM card service management server 204 and a third party payment platform 205; wherein,
the virtual SIM card terminal 201 may be a Mobile Broadband service (MBB) product (such as a wireless router and a data card) supporting a virtual SIM card, a Mobile phone, and other terminals, and the virtual SIM card terminal 201 may communicate with the virtual SIM card billing management server 203 and the virtual SIM card service management server 204 through the wide area network 202.
The virtual SIM card charging management server 203 is a server in charge of implementing the service implementation logic related to the user payment processing in the virtual SIM card system, and includes: and realizing related payment mode configuration service, user bill management service and user bill settlement service of the virtual SIM card terminal.
The virtual SIM card service management server 204 is a server in the virtual SIM card system responsible for implementing the virtual SIM card operator to provide relevant service functions for the user.
The third party payment platform 205 is a payment platform agreed by the virtual SIM card operator, the virtual SIM card service management server 204 can complete the transaction and settlement related to the user payment through the third party payment platform 205, and the third party payment platform 205 is responsible for completing the communication related to the bank private network and the service server in the bank background.
As shown in fig. 3, the processing flow of the method includes the following steps:
payment means configuration flow step 301-304:
step 301, the virtual SIM card terminal sends payment mode configuration information of the virtual SIM card terminal to a virtual SIM card charging management server.
The payment mode configuration information carries a terminal identity and a terminal payment mode, and the terminal payment mode comprises at least one of the following payment modes: virtual SIM card account payment and bank card payment. When the terminal payment mode comprises bank card payment, the payment mode configuration information also carries bank card information applied to the bank card payment, and the bank card information is generally the card number of the bank card. The virtual SIM card account is an account corresponding to the virtual SIM card terminal and is used for paying the cost generated by various services performed by the virtual SIM card terminal, and the bank card payment is realized by binding a bank card to the virtual SIM card terminal and paying the cost generated by various services performed by the virtual SIM card terminal by using the bank card.
The terminal identity identifier may be a data certificate in the virtual SIM card terminal, or may be other identifiers capable of identifying the identity of the virtual SIM card terminal.
The user can input the terminal payment mode selected by the user to the virtual SIM card terminal, wherein the terminal payment mode can be virtual SIM card account payment, can be bank card payment, and can also be payment by using the virtual SIM card account firstly, and when the balance of the virtual SIM card account is insufficient, the user can use a bank card for payment, and the user can set according to the actual condition of the user. When the terminal payment mode selected by the user includes bank card payment, the user also needs to input information of a bank card applied to the bank card payment, which is generally a card number of the bank card, to the virtual SIM card terminal.
In order to ensure the security of the transmission of the payment mode configuration information, the payment mode configuration information can be encrypted by adopting a data signature technology and then sent to the virtual SIM card charging management server.
The virtual SIM card terminal may be a Mobile Broadband service (MBB) product (such as a wireless router, a data card) supporting the virtual SIM card, a Mobile phone, and other terminals, and the virtual SIM card terminal may send payment mode configuration information to the virtual SIM card charging management server through the wide area network.
After receiving the payment mode configuration information, the virtual SIM card billing management server first decrypts the payment mode configuration information by applying a data signature technology to obtain the terminal identity and the terminal payment mode, if the terminal payment mode includes the bank card payment, step 302 is performed, and if the terminal payment mode does not include the bank card payment, step 304 is performed.
Step 302, the virtual SIM card charging management server sends the bank card information in the payment mode configuration information to a third party payment platform.
In the process, the virtual SIM card charging management server still adopts the data signature technology to encrypt the bank card information and then sends the bank card information to a third party payment platform
Step 303, the third party payment platform performs information verification and transaction authorization according to the information of the bank card, and sends the information that the information of the bank card is legal and the transaction is authorized to the virtual SIM card charging management server
The third party payment platform communicates with a business server of a bank background through a bank private network, and the third party payment platform obtains confirmation of payment transaction authorization after being verified by an issuing organization of the bank card according to the information of the bank card. After the information of the bank card is confirmed to be valid and valid, the information that the information of the related bank card is valid and the transaction is authorized is sent to the virtual SIM card billing management server, so that the virtual SIM card billing management server executes step 304.
And if the related bank card information is not legal, directly returning related error information to the virtual SIM card charging management server, and informing the virtual SIM card terminal that the bank card is illegal by the virtual SIM card charging management server.
And step 304, the virtual SIM card charging management server updates and stores the payment mode configuration information of the virtual SIM card terminal.
After receiving the payment mode configuration information, the virtual SIM card charging management server firstly decrypts the payment mode configuration information by applying a data signature technology to obtain a terminal identity and a terminal payment mode, and if the terminal payment mode does not include bank card payment, the virtual SIM card charging management server updates and stores the payment mode configuration information, namely, the terminal payment mode of the virtual SIM card terminal is correspondingly stored; and if the payment mode of the terminal does not include bank card payment, the virtual SIM card charging management server updates and stores the payment mode configuration information after the verification and the authorization of the third party payment platform in the steps 302 and 303.
After the payment method configuration process is finished, the following steps can be carried out to complete the payment process according to the configured payment method:
step 305, the virtual SIM card charging management server receives the virtual SIM card service information carrying the terminal identity sent by the virtual SIM card service management server.
The virtual SIM card service management server is a server responsible for realizing the relevant service functions provided by the virtual SIM card operator to the virtual SIM card terminal, for example, the virtual SIM card terminal uses a domestic mobile number in china, and when a user of the virtual SIM card terminal goes abroad and goes on business and enters a communication network in the country, in order to solve the roaming problem of the conventional SIM card, the virtual SIM card service management server will assign a number suitable for the communication network in the country to the virtual SIM card terminal, and the virtual SIM card terminal will use the newly assigned number to perform services such as voice service, internet access service and the like in the country; and the virtual SIM card service management server sends the virtual SIM card service information performed by the virtual SIM card terminal to the virtual SIM card charging management server. The virtual SIM card service information carries a terminal identity, which represents a virtual SIM card terminal used to identify the virtual SIM card service information.
Step 306, the virtual SIM card charging management server generates a user bill of the virtual SIM card terminal corresponding to the terminal identity according to the virtual SIM card service information of the terminal identity.
The virtual SIM card charging management server triggers a bill transaction settlement process according to related configuration such as a payment strategy of the virtual SIM card terminal, wherein the related strategy can be daily payment or monthly payment, if the daily payment is carried out, the virtual SIM card charging management server generates a user bill of the virtual SIM card terminal every day, and then the payment process is carried out; if the payment is made monthly, the virtual SIM card charging management server can generate a user bill of the virtual SIM card terminal in the month on the last day of each month, and then the payment process is carried out.
Because the virtual SIM card terminal may be in communication networks of different communication operators in different time periods, and communicate by applying numbers under different operators, the virtual SIM card charging management server may generate a service bill of each communication operator of the virtual SIM card terminal corresponding to the terminal identity according to the received virtual SIM card service information carrying the terminal identity; and taking the total cost of the service bill corresponding to each communication operator as the user bill of the virtual SIM card terminal corresponding to the terminal identity identification. For example, if the virtual SIM card service information of the virtual SIM card terminal sent by the SIM card service management server performs a1 service, a2 service, and A3 service for number a under the mobile operator, the virtual SIM card charging management server may calculate the service cost of the mobile operator according to each service charging standard in the a1 service, the a2 service, and the A3 service, and then may generate a service bill of the mobile operator: the total number of the A1 service + A2 service + A3 service is 20 yuan; similarly, the service bill of the telecommunications operator: the total of the service B1, the service B2 and the service B3 is 20 yuan, and the service bill of the operator is communicated: the total of the C1 service, the C2 service and the C3 service is 20 yuan. The user bill of the virtual SIM card terminal is 60 yuan of the total cost of the service bill corresponding to each communication operator.
And 307, the virtual SIM card charging management server pays the user bill of the virtual SIM card terminal corresponding to the terminal identity identifier according to the terminal payment mode.
If the payment mode in the payment mode configuration information of the virtual SIM card terminal is virtual SIM card account payment, the virtual SIM card charging management server uses the virtual SIM card account to perform transaction settlement; and if the payment mode in the payment mode configuration information of the virtual SIM card terminal is bank card payment, the virtual SIM card charging management server applies the bank card to perform transaction settlement. If the payment mode in the payment mode configuration information of the virtual SIM card terminal is to firstly use the virtual SIM card account for payment, and use the bank card for payment when the balance of the virtual SIM card account is insufficient, the virtual SIM card charging management server uses the virtual SIM card account number for transaction settlement, and if the balance of the virtual SIM card account number is insufficient, the virtual SIM card charging management server uses the bank card for transaction settlement.
Performing transaction settlement by using a virtual SIM card account mode, wherein each virtual SIM card terminal corresponds to one virtual SIM card account and also corresponds to the identifier through a terminal identity identifier; the virtual SIM card charging management server can pay the user bill of the virtual SIM card terminal corresponding to the terminal identity in the payment mode configuration information according to the received virtual SIM card account mode in the payment mode configuration information, and the virtual SIM card charging management server applies the virtual SIM card account corresponding to the terminal identity to pay the user bill of the virtual SIM card terminal corresponding to the terminal identity to a virtual SIM card operator.
And the virtual SIM card charging management server encrypts a user bill of the virtual SIM card terminal corresponding to the terminal identity identifier and the information of the bank card and then sends the encrypted bill to a third party payment platform for bill settlement. The third party payment platform communicates with a business server of a bank background through a bank private network, confirms payment transaction authorization after being verified by a bank card issuing organization, and applies a user bill of a virtual SIM card terminal corresponding to the identity of the bank card payment terminal to a virtual SIM card operator by means of a bank financial private network after confirming bank payment settlement.
After obtaining the fees, the virtual SIM card operator pays the fees to each communication operator on the virtual SIM card terminal according to predetermined rules. The predetermined rules described herein are obtained by negotiation between the virtual SIM card operator and the respective communication operators.
And after the virtual SIM card charging management server pays the user bill of the virtual SIM card terminal according to the payment mode in the payment mode configuration information, updating the user bill information of the virtual SIM card terminal according to the payment result, namely, recharging.
And step 308, the virtual SIM card charging management server informs the virtual SIM card service management server of the payment result.
And the virtual SIM card service management server processes the related virtual SIM card service of the corresponding virtual SIM card terminal according to the payment result and the service logic processing strategy of the virtual SIM card operator.
Step 309, the virtual SIM card charging management server sends the user bill of the virtual SIM card terminal and the payment result of the user bill of the virtual SIM card terminal to the virtual SIM card terminal.
And if the virtual SIM card account is adopted for payment during the virtual SIM card charging management server, the virtual SIM card charging management server sends the user bill and the balance of the virtual SIM card account after the user bill of the virtual SIM card terminal is paid to the virtual SIM card terminal.
In the above process, in order to ensure that data interaction between the devices is safe, the transmitted data needs to be encrypted by using a data signature technology, and a terminal identity can be used for data signature, so that safety is ensured, and the virtual SIM terminal targeted by the current step can be indicated.
In the method, after the virtual SIM card charging management server generates the user bill of the virtual SIM card terminal, the user bill of the virtual SIM card terminal can be paid according to the payment mode in the payment mode configuration information.
Example 3
The embodiment of the present invention further provides a payment device for a virtual SIM card terminal, which can be configured on a virtual SIM card charging management server, as shown in fig. 4, where the device includes: a bill generation unit 401, a first receiving unit 402, a bill payment unit 403, wherein,
a bill generating unit 401, configured to generate a user bill of the virtual SIM card terminal corresponding to the terminal identity according to the received virtual SIM card service information carrying the terminal identity;
a first receiving unit 402, configured to receive payment mode configuration information, where the payment mode configuration information carries a terminal identity and a terminal payment mode;
a bill payment unit 403, configured to pay the user bill of the virtual SIM card terminal corresponding to the terminal identity identifier generated by the bill generation unit 401 according to the terminal payment method received by the first receiving unit 402.
The first receiving unit 402 is specifically configured to receive and decrypt encrypted payment mode configuration information sent by the virtual SIM card terminal; the payment mode configuration information carries a terminal identity and a terminal payment mode, and the terminal payment mode comprises at least one of the following payment modes: virtual SIM card account payment and bank card payment.
When the terminal payment mode comprises bank card payment, the payment mode configuration information also carries bank card information applied to the bank card payment; as shown in fig. 4, the apparatus further includes: a first sending unit 404, wherein,
the first sending unit 404 is further configured to send the bank card information in the payment mode configuration information received by the first receiving unit 402 to a third party payment platform, where the bank card information is used for performing bank card validity verification and transaction authorization on the third party payment platform;
the first receiving unit 402 is further configured to receive information of bank card legitimacy and transaction authorization sent by the third party payment platform.
The bill payment unit 403 is specifically configured to apply the virtual SIM card account corresponding to the terminal identity to pay the user bill of the virtual SIM card terminal corresponding to the terminal identity to a virtual SIM card operator;
or,
the bill payment unit 403 is specifically configured to encrypt the user bill of the virtual SIM card terminal corresponding to the terminal identity generated by the bill generation unit and the bank card information received by the first receiving unit 402, and send the encrypted user bill to a third party payment platform, where the user bill of the virtual SIM card terminal corresponding to the terminal identity and the bank card information are used by the third party payment platform to pay the user bill of the virtual SIM card terminal corresponding to the terminal identity to a virtual SIM card operator by using the bank card;
the first receiving unit 402 is further configured to receive user bill payment completion information sent by the third party payment platform.
The first sending unit 404 is configured to send the user bill of the virtual SIM card terminal corresponding to the terminal identity generated by the bill generating unit 401 and the payment result of the user bill of the virtual SIM card terminal corresponding to the terminal identity paid by the bill payment unit 403 to the virtual SIM card terminal.
An embodiment of the present invention further provides a virtual SIM card terminal, and as shown in fig. 5, the virtual SIM card terminal includes: a processing unit 501 and a second sending unit 502.
A processing unit 501, configured to obtain payment mode configuration information of the virtual SIM card terminal;
a second sending unit 502, configured to send the payment mode configuration information obtained by the processing unit 501 to a virtual SIM card charging management server; the payment mode configuration information carries a terminal identity identifier and a terminal payment mode, and is used for enabling the virtual SIM card billing management server to pay a user bill of the virtual SIM card terminal corresponding to the terminal identity identifier according to the terminal payment mode.
The second sending unit 502 is specifically configured to send the encrypted payment mode configuration information obtained by the processing unit 501 to a virtual SIM card charging management server; the terminal payment mode comprises at least one of the following payment modes: virtual SIM card account payment and bank card payment.
The virtual SIM card terminal further comprises: and the second receiving unit is used for receiving the user bill of the virtual SIM card terminal and the payment result of the user bill of the virtual SIM card terminal, which are sent by the virtual SIM card charging management server.
In practical applications, the bill generating unit 401, the first receiving unit 402, the bill paying unit 403, and the first sending unit 404 may be implemented by a Central Processing Unit (CPU), a microprocessor unit (MPU), a Digital Signal Processor (DSP), a Field Programmable Gate Array (FPGA), or the like on the virtual SIM card billing management server. The processing unit 501 and the second sending unit 502 may be implemented by a Central Processing Unit (CPU), a microprocessor unit (MPU), a Digital Signal Processor (DSP), a Field Programmable Gate Array (FPGA), or the like, which are located on the virtual SIM card terminal.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of a hardware embodiment, a software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention.

Claims (14)

1. A payment method of a virtual SIM card terminal, the method comprising:
generating a user bill of a virtual SIM card terminal corresponding to the terminal identity identifier according to the received virtual SIM card service information carrying the terminal identity identifier;
receiving payment mode configuration information, wherein the payment mode configuration information carries a terminal identity identifier and a terminal payment mode;
paying a user bill of the virtual SIM card terminal corresponding to the terminal identity identification according to the terminal payment mode;
the generating of the user bill of the virtual SIM card terminal corresponding to the terminal identity according to the received virtual SIM card service information carrying the terminal identity comprises: generating service bills of each communication operator of the virtual SIM card terminal corresponding to the terminal identity identification according to the received virtual SIM card service information carrying the terminal identity identification;
and taking the total cost of the service bill corresponding to each communication operator as the user bill of the virtual SIM card terminal corresponding to the terminal identity identification.
2. The method of claim 1, wherein receiving payment method configuration information comprises: receiving and decrypting encrypted payment mode configuration information sent by the virtual SIM card terminal; the payment mode configuration information carries a terminal identity and a terminal payment mode, and the terminal payment mode comprises at least one of the following payment modes: payment of virtual SIM card account and payment of bank card;
when the terminal payment mode comprises bank card payment, the payment mode configuration information also carries bank card information applied to the bank card payment; at this time, before the user bill of the virtual SIM card terminal corresponding to the terminal identity is paid according to the terminal payment method, the method further includes: encrypting the bank card information in the payment mode configuration information and then sending the encrypted bank card information to a third party payment platform, wherein the bank card information is used for the third party payment platform to carry out bank card validity verification and transaction authorization;
and receiving the legal bank card and transaction authorization information sent by the third party payment platform.
3. The method according to claim 2, wherein the paying the user bill of the virtual SIM card terminal corresponding to the terminal identity according to the terminal payment method comprises: paying a user bill of a virtual SIM card terminal corresponding to the terminal identity identification to a virtual SIM card operator by applying a virtual SIM card account corresponding to the terminal identity identification;
or,
encrypting a user bill of a virtual SIM card terminal corresponding to a terminal identity and the bank card information and then sending the encrypted user bill and the encrypted bank card information to a third party payment platform, wherein the user bill of the virtual SIM card terminal corresponding to the terminal identity and the bank card information are used for the third party payment platform to pay the user bill of the virtual SIM card terminal corresponding to the terminal identity to a virtual SIM card operator by applying a bank card; and receiving user bill payment completion information sent by the third party payment platform.
4. The method of claim 1, wherein after the user bill of the virtual SIM card terminal corresponding to the terminal identity is paid according to the terminal payment method, the method further comprises: and sending the user bill of the virtual SIM card terminal and a payment result for paying the user bill of the virtual SIM card terminal to the virtual SIM card terminal.
5. A payment method of a virtual SIM card terminal, the method comprising:
payment mode configuration information sent to a virtual SIM card charging management server; the payment mode configuration information carries a terminal identity identifier and a terminal payment mode, and is used for enabling the virtual SIM card billing management server to pay a user bill of the virtual SIM card terminal corresponding to the terminal identity identifier according to the terminal payment mode;
the user bill is generated by the virtual SIM card charging management server through the following steps:
generating service bills of each communication operator of the virtual SIM card terminal corresponding to the terminal identity identification according to the received virtual SIM card service information carrying the terminal identity identification;
and taking the total cost of the service bill corresponding to each communication operator as the user bill of the virtual SIM card terminal corresponding to the terminal identity identification.
6. The method according to claim 5, wherein the payment method configuration information sent to the virtual SIM card billing management server includes: sending encrypted payment mode configuration information to a virtual SIM card charging management server; the terminal payment mode comprises at least one of the following payment modes: virtual SIM card account payment and bank card payment.
7. The method according to claim 5, wherein after the payment method configuration information sent to the virtual SIM card billing management server, the method further comprises: and receiving the user bill of the virtual SIM card terminal and a payment result for paying the user bill of the virtual SIM card terminal, which are sent by a virtual SIM card charging management server.
8. A payment device for a virtual SIM card terminal, the device comprising:
the bill generating unit is used for generating a user bill of the virtual SIM card terminal corresponding to the terminal identity identifier according to the received virtual SIM card service information carrying the terminal identity identifier;
the payment system comprises a first receiving unit, a second receiving unit and a payment processing unit, wherein the first receiving unit is used for receiving payment mode configuration information, and the payment mode configuration information carries a terminal identity and a terminal payment mode;
the bill payment unit is used for paying the user bill of the virtual SIM card terminal corresponding to the terminal identity identifier generated by the bill generation unit according to the terminal payment mode received by the first receiving unit;
the bill generating unit is specifically configured to generate a service bill of each communication operator of the virtual SIM card terminal corresponding to the terminal identity according to the received virtual SIM card service information carrying the terminal identity; and taking the total cost of the service bill corresponding to each communication operator as the user bill of the virtual SIM card terminal corresponding to the terminal identity identification.
9. The apparatus according to claim 8, wherein the first receiving unit is specifically configured to receive and decrypt encrypted payment method configuration information sent by the virtual SIM card terminal; the terminal payment mode comprises at least one of the following payment modes: payment of virtual SIM card account and payment of bank card;
when the terminal payment mode comprises bank card payment, the payment mode configuration information also carries bank card information applied to the bank card payment; the device also comprises a first sending unit;
the first sending unit is used for encrypting the bank card information in the payment mode configuration information received by the first receiving unit and then sending the encrypted bank card information to a third party payment platform, wherein the bank card information is used for carrying out bank card validity verification and transaction authorization on the third party payment platform;
the first receiving unit is also used for receiving the bank card legal and transaction authorization information sent by the third party payment platform.
10. The apparatus of claim 9,
the bill payment unit is further configured to apply the virtual SIM card account corresponding to the terminal identity to pay a user bill of the virtual SIM card terminal corresponding to the terminal identity to a virtual SIM card operator;
or,
the bill payment unit is further configured to encrypt a generated user bill of the virtual SIM card terminal corresponding to the terminal identity and the bank card information received by the first receiving unit and send the encrypted user bill to a third party payment platform, where the user bill of the virtual SIM card terminal corresponding to the terminal identity and the bank card information are used by the third party payment platform to pay the user bill of the virtual SIM card terminal corresponding to the terminal identity to a virtual SIM card operator by using the bank card;
the first receiving unit is further configured to receive user bill payment completion information sent by the third-party payment platform.
11. The apparatus of claim 8, further comprising: and the first sending unit is used for sending the user bill of the virtual SIM card terminal corresponding to the terminal identity generated by the bill generating unit and the payment result of the bill payment unit for paying the user bill of the virtual SIM card terminal corresponding to the terminal identity to the virtual SIM card terminal.
12. A virtual SIM card terminal, characterized in that it comprises: the processing unit is used for acquiring payment mode configuration information of the virtual SIM card terminal;
the second sending unit is used for sending the payment mode configuration information acquired by the processing unit to a virtual SIM card charging management server; the payment mode configuration information carries a terminal identity identifier and a terminal payment mode, and is used for enabling the virtual SIM card billing management server to pay a user bill of the virtual SIM card terminal corresponding to the terminal identity identifier according to the terminal payment mode;
the user bill is generated by the virtual SIM card charging management server through the following steps:
generating service bills of each communication operator of the virtual SIM card terminal corresponding to the terminal identity identification according to the received virtual SIM card service information carrying the terminal identity identification;
and taking the total cost of the service bill corresponding to each communication operator as the user bill of the virtual SIM card terminal corresponding to the terminal identity identification.
13. The virtual SIM card terminal of claim 12,
the second sending unit is specifically configured to send the encrypted payment mode configuration information obtained by the processing unit to a virtual SIM card charging management server; the terminal payment mode comprises at least one of the following payment modes: virtual SIM card account payment and bank card payment.
14. The virtual SIM card terminal of claim 12, further comprising: and the second receiving unit is used for receiving the user bill of the virtual SIM card terminal and the payment result of the user bill of the virtual SIM card terminal, which are sent by the virtual SIM card charging management server.
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