CN1798361A - Paying off method and system through short message based on intelligent network - Google Patents

Abstract

The invention discloses a short message payment system based on an intelligent network. , and a service control point for authenticating payment requests initiated by merchants and processing payment services; connecting with the service control point, and forwarding short messages related to payment services of users to the gateway of the service control point; connecting with the service control point The point connection is used to provide a management interface and a service management point for managing user data, merchant information and commodity information on the service control point according to commands received from the management interface. The invention also discloses an intelligent network-based short message payment method at the same time.

Description

Short message payment method and system based on intelligent network

technical field

The invention relates to mobile communication technology, in particular to an intelligent network-based short message payment method and system.

Background technique

With the popularization of mobile phones, using the mobility and uniqueness of mobile phones to carry out mobile payment has become a new business. In the mobile payment business, the Mobile Payment Service Center (MPSC), as the most important link in the mobile payment value chain, is directly related to the success of the mobile payment business.

Existing mobile users use the mode of sending short messages to purchase goods, which is realized based on the Montnets SMS Gateway (ISMG), and is only applicable to the purchase of information products (such as weather forecasts, joke short messages, etc.). The user orders certain SMS information by sending a short message to the merchant (or service application provider), and the merchant charges and deducts money from the user number by sending a short message through the ISMG.

Although the above method can realize mobile payment, it has the following disadvantages:

1. The lack of payment confirmation link makes it difficult to curb the malicious fraud of some merchants, which often leads to unknowing consumption by users, which leads to complaints;

2. The billing core equipment is located in ISMG, and the safety factor is not high;

3. All commodity prices are not authenticated, the system does not maintain commodity price information, and the deduction amount can only be based on the billing request initiated by the merchant.

Contents of the invention

The invention provides an intelligent network-based short message payment method and system to solve the problems of low accuracy and security in the existing short message payment.

A short message payment system based on an intelligent network, comprising:

The business control point stores user data, merchant information and merchant commodity information, authenticates transaction requests initiated by users through SMS, sends authenticated transaction requests to merchants, and authenticates and processes payment requests initiated by merchants payment business;

A gateway, connected to the service control point, forwards the user's short message related to the payment service to the service control point;

A service management point, connected to the service control point, is used to provide a management interface and manage user data, merchant information and commodity information on the service control point according to commands received from the management interface.

The system also includes:

The recharging center recharges the account of the user on the service control point under the control of the service management point.

The portal website is connected with the service management point, and the user data, merchant information and commodity information in the service control point are managed through the portal website and the service management point.

Bill Interface (RBI), connected with the service control point and merchants, for providing payment list.

A kind of short message payment method based on intelligent network, comprises the steps:

The user initiates a transaction request including commodity transaction content through SMS;

The service control point authenticates the transaction request, and sends the transaction request to the merchant after successful authentication;

The merchant generates a payment request based on the transaction content in the transaction request and sends it to the business control point;

The service control point authenticates the payment request, and deducts the fee from the user's account after the authentication is successful.

According to the method above:

Before deducting the fee, the user is also notified by a short message to confirm the payment request, and the fee is deducted from the user's account when receiving the confirmation result that the user allows the fee deduction.

The service control point identifies each transaction request, and carries the transaction request identifier in the transaction request sent to the merchant and the payment request initiated by the merchant. After receiving the payment request, the service control point judges the payment request by comparing the marks. credibility.

When the service control point receives the reversal request initiated by the merchant, it authenticates the reversal request. If the authentication is successful, the payment amount specified in the reversal request is reversed, and the user and the merchant are notified; otherwise, it is rejected Reverse the request and notify the merchant.

The present invention provides users with a short message access method, and the system checks the unit price and quantity of the commodity deduction for all payment requests of merchants, and notifies the user to confirm through a short message, which can prevent merchants from fraudulently, achieve informed consumption by users, and enable users to have The complete right to know and control ensures the safety of the user's account amount and the reliability and rigor of the transaction process. Therefore, the present invention provides users with a convenient, safe and efficient short message payment means, adopting the present invention can establish a unified payment channel and payment platform for mobile operators, and can adapt to the development of various business applications.

Description of drawings

Fig. 1 is a schematic structural diagram of the mobile payment system of the present invention;

FIG. 2 is a schematic structural diagram of a service control point;

FIG. 3 is a schematic diagram of a product life cycle of a merchant;

Figure 4 is a payment transaction flow chart;

Figure 5 is a schematic diagram of the process of punching.

Detailed ways

The present invention mainly takes mobile communication payment as an example to illustrate the present invention.

Referring to Fig. 1, the mobile payment system of the present invention includes:

Service Control Point (SCP): stores user data, merchant (or service application provider) information and merchant product information, etc., authenticates the transaction request and payment request initiated by the mobile user, and sends the authenticated transaction request to To merchants, and to authenticate payment requests initiated by merchants and process payment services. User data mainly includes: user number, payment password, payment account balance, daily consumption limit, monthly consumption limit, single consumption limit; Commodity information includes: commodity identification, commodity name, commodity type, commodity unit price, deduction type and deduction period, etc.

The gateway is connected with the service control point, completes the protocol conversion function between the service control point and the external system, and triggers the payment process on the service control point through the TCP/IP protocol. The gateway provides SMS access methods for mobile users, so that mobile users can access the service control point.

The service management point SMP is connected to the service control point, and is used to provide a management interface, through which the command is sent to the service management point to manage user data on the service control point. Managing user data includes operations such as adding, modifying, and deleting user data. The management interface provided by the service management point includes but not limited to one or more of human-computer interaction language, service management access point and card number management platform (CMP) interface.

The recharging center is connected with the service control point and the service management point, and recharges the account of the mobile user on the service control point under the control of the service management point. The Card Number Management Platform (CMP) manages the prepaid cards used for payment through the business management point.

The portal website (Portal) is connected with the service management point, and connects the mobile user to the service control point by providing a Web page and a wireless application protocol (WAP). Mobile users and merchant users can log in to Portal for management operations.

Referring to Figure 2, SCP includes the following functional modules:

A storage device for storing user data, merchant information and merchandise information of the merchant;

The first module uses the information in the storage device to authenticate the transaction request initiated by the user to the merchant through the short message, and sends the transaction request to the merchant after the authentication is successful.

The second module uses the information in the storage device to authenticate the payment request generated by the merchant according to the transaction request content, and executes deduction after the authentication succeeds and refuses the deduction after the authentication fails.

In order to make the user have the right to know and the right to control, the second module first judges whether the transaction payment of the SMS mode needs the user to confirm the SMS payment before deducting the fee. Only when the confirmation result that the mobile user allows deduction is confirmed, the fee is deducted from the account of the mobile user, otherwise the deduction is refused.

The first module marks the transaction request identifier in the transaction information sent to the merchant, and the second module also compares the transaction request identifier in the payment request with the transaction request identifier carried in the transaction information when authenticating the payment request To judge the credibility of the payment request.

The third module receives the reversal request initiated by the merchant and authenticates the reversal request. After the authentication is successful, the payment amount specified in the request is reversed or the reversal request is rejected after the authentication fails, and the result is notified to all Describe mobile users and merchants.

The fourth module receives management commands sent by mobile users, merchants and administrators through the portal website and service control point, and manages the information in the storage device according to the commands.

The merchant and the business operation support system BOSS interact with the business control point through the gateway; the business control point defines a standard protocol to establish a dialogue basis with the merchant to realize the interaction with the merchant. The standard protocol includes but is not limited to the micropayment communication protocol ( MPCP) and Micropayment Transaction Protocol (MPTP).

After the mobile operator opens the micropayment service, it requests the mobile payment system to register and open the payment service for the user by sending a man-machine interaction language (MML) command. The mobile payment system establishes a payment account for the user, and the account is established at the service control point. (SCP) on. The user can recharge the payment account by using the recharge card by phone. The payment account supports the setting of credit, which can support pre-payment (no credit) or post-payment (set a certain credit).

The operator administrator sets the basic information of the merchants for the merchants who are going to access the payment platform system and provide services, including merchant identification (ID), merchant name, IP address, access password, etc., and set a SMS access for the merchant Number, which is used as the destination number when users send text messages for transactions. Operator administrators can set merchant information through the administrator page of the business management system (SMAP) or portal (Portal).

The administrator of the operator should also set the SMS access code for the mobile payment system, which can be used as the source number of the SMS when the mobile payment system sends a SMS to the user, and as the destination number of the SMS when the user replies to the confirmation SMS.

The mobile payment system also maintains product information of each merchant, including product identification (ID), product name, product unit price, product type, deduction type (per-time deduction, periodic deduction), deduction cycle, etc. Maintenance method: application by merchant operator, approval by operator administrator; or direct modification by operator administrator. The merchant operator can log in to the merchant page of the Portal of the mobile payment system to maintain the product information of the merchant he belongs to, and submit an application after confirming that the product information meets the requirements, and can apply for adding new products, applying for stopping the sale of products, and applying for resuming the sale of products , Apply for modification of product information and application for deletion of products, etc.; the merchant's application will be reviewed by the administrator, and the operator administrator can choose to approve or reject it. At the same time, operator administrators can also directly modify product information and change product status. All maintenance of commodity information has log records, and the life cycle of commodities is shown in Figure 3.

The payment service supports user transaction limit setting. Users or administrators can set target limit, monthly limit, single limit, merchant limit, etc. to control the amount risk of transaction payment.

Referring to Figure 4, the payment business processing flow is as follows:

l. The mobile user sends a transaction request through a short message, and the short message is forwarded to the service control point in the mobile payment system through the short message gateway or short message center. The content of the SMS is: TradeInfo# 6-digit payment password, and the destination number for the user to send the SMS is the merchant SMS access code set for the merchant in the mobile payment system.

2. The service control point judges which merchant the user wants to trade with according to the merchant's short message access code in the short message, and authenticates the merchant and the mobile user. And after the authentication is passed, the service control point submits the transaction information Tradeinfo to the merchant through the communication protocol with the merchant, and carries the Message ID in the message, which uniquely identifies a transaction request initiated by the user.

3. The merchant analyzes and understands Tradeinfo, learns the commodities and quantity that the user requires to purchase, and initiates a payment request to the business control point through the transaction agreement defined between the merchant and the mobile payment system. The payment request carries information such as the amount, product ID, product quantity, and whether it is a new order. At the same time, the payment request also returns the Message ID issued by the business control point.

4. The business control point authenticates the payment request, including checking the Message ID, checking the product ID, product quantity, and deduction amount to ensure that the deduction amount does not exceed the unit price of the product multiplied by the quantity, and the deduction amount does not exceed the amount set by the user and the system. the various limits set. Check the Message ID to determine that the payment request is caused by a text message initiated by the user, rather than the SP itself, so as to prevent fraud.

5. After the authentication is passed, if the system is configured to require the user to confirm the transaction by text message, it will obtain the relevant content in the payment request, and generate a confirmation text message to send to the user for confirmation. The content includes the payment date/time, merchant name, purchased Product name, quantity, price to be deducted, and payment confirmation code; after receiving the confirmation message, the user will reply with the confirmation code according to the prompt. If the system is configured so that the user does not need to confirm the transaction by SMS, the fee will be directly deducted from the mobile user's account.

For example, the content of the text message can be "d day, m month, year y, you request to purchase xx (product name) of xx (merchant name), quantity x, amount xx yuan. Please reply the confirmation code within xx (system configurable) minutes to confirm the payment xxxxxx (6-digit payment confirmation code) to xxxx (SMS access code of MPP payment platform)."

In order to ensure the safety, reliability and real-time experience of the transaction process, the payment confirmation code is a 6-digit random number or serial number, and the user must correctly reply the confirmation code to the SMS access code of the service control point within the specified time (configurable by the system) for payment confirm.

6. The service control point checks whether the confirmation code matches. If it is correct, it will deduct the account fee and record the bill. If it is not correct, it will refuse to deduct the fee.

The business control point temporarily saves the transaction data to be confirmed, including the confirmation code, and waits for the user to confirm. If the user does not confirm within the required time, the transaction is considered invalid, and the system deletes the temporarily reserved data.

7. The service control point replies to the merchant with a payment request response, and sends a transaction notification text message to the user.

The transaction notification text message sent to the user is as follows: "Year m month d day, you purchased xx (commodity name) of xx (SP name), quantity x, amount xx yuan, the transaction is successful, transaction code xxxxx (15-digit transaction code, uniquely identifies a transaction for users to query), and the account has an existing balance of xx yuan."

After completing the payment, the merchant delivers the goods to the user.

If the merchant's system handles errors, or the merchant fails to deliver the goods to the user, or the user raises an objection to a certain transaction, the merchant can use the reverse function to cancel the wrong account or reverse a certain transaction. Referring to Figure 5, the business processing of redaction is as follows:

1. The merchant's mobile payment system initiates a reversal request, and the message carries the transaction code to be reversed (uniquely identifying a certain transaction), merchant information, etc.

2. The service control point (SCP) checks and authenticates the merchant, user number, and the transaction to be reversed. If it passes, the user account is reversed, and the transaction record is also recorded, otherwise, the reverse request is rejected.

3. The service control point returns a correction response to the merchant. If the correction is successful, a short message notification will be sent to the user at the same time to inform the user of the change in the account balance and the reason.

Adoption of the present invention can provide convenient, safe and efficient mobile payment means, can prevent merchants from fraudulently, realize informed consumption by users, and allow users to have complete right to know and control; at the same time, it can also establish a unified payment channel and payment method for mobile operators The payment platform can adapt to the development of various business applications.

Although the present invention has been described above by taking mobile communication and mobile users as examples, the present invention is not limited thereto. Those of ordinary skill in the art can realize the payment of the present invention in a fixed communication network through the above description without creative work. In the method and system, the user may be a telephone terminal or a computer terminal in a fixed communication network.

Claims (16)

1, a kind of short message payment system based on intelligent network, it is characterized in that comprising: The service control point is used to store user data, merchant information and merchant product information, authenticate transaction requests initiated by users through SMS, send authenticated transaction requests to merchants, and authenticate payment requests initiated by merchants and processing payments; A gateway, connected to the service control point, forwards the user's short message related to the payment service to the service control point; A service management point, connected to the service control point, is used to provide a management interface and manage user data, merchant information and commodity information on the service control point according to commands received from the management interface. 2. The mobile communication payment system according to claim 1, further comprising: A recharging center, configured to recharge the user account at the service control point under the control of the service management point. 3. The mobile communication payment system according to claim 1, further comprising: The portal website is connected with the service management point, and the user data, merchant information and commodity information in the service control point are managed through the portal website and the service management point. 4. The mobile communication payment system according to claim 1, further comprising: Bill Interface (RBI), connected with the service control point and merchants, for providing payment list. 5. The mobile communication payment system according to claim 1, wherein the service management point provides one or more of human-computer interaction language, service management access point and card number management platform (CMP) interface. 6. The mobile communication payment system according to any one of claims 1 to 5, wherein the service control point includes: A storage device for storing user data, merchant information, and merchandise information of the merchant; The first module uses the information in the storage device to authenticate the transaction request initiated by the user to the merchant through a short message, and sends the transaction request to the merchant after the authentication is successful; The second module uses the information in the storage device to authenticate the payment request generated by the merchant according to the content of the transaction request, execute deduction after the authentication is successful, and refuse to deduct the fee after the authentication fails; 7. The mobile communication payment system according to claim 6, wherein the first module marks the transaction request identifier in the transaction information sent to the merchant, and the second module also marks the payment request when authenticating the payment request. The transaction request identifier in the request is compared with the transaction request identifier carried in the transaction information to determine the credibility of the payment request. 8. The mobile communication payment system according to claim 6, wherein the second module notifies the user via a text message to confirm before deducting the fee, and when receiving the confirmation result that the user allows the deduction, the user will receive the confirmation result from the user debit the account. 9. The mobile communication payment system according to claim 6, wherein the service control point further comprises: The third module is used to receive the reversal request initiated by the merchant and authenticate the reversal request. After the authentication is successful, the payment amount specified in the reversal request is reversed or the reversal request is rejected after the authentication fails, and the result The user and merchant are notified. 10. The mobile communication payment system according to claim 6, wherein the service control point further comprises: The fourth module is used to receive management commands sent by users, merchants and administrators through the portal website and service control point, and manage the information in the storage device according to the commands. 11. A short message payment method based on an intelligent network, characterized in that it comprises the following steps: The user initiates a transaction request including commodity transaction content through SMS; The service control point authenticates the transaction request, and sends the transaction request to the merchant after successful authentication; The merchant generates a payment request based on the transaction content in the transaction request and sends it to the business control point; The service control point authenticates the payment request, and deducts the fee from the user's account after the authentication is successful. 12. The method according to claim 11, wherein the service control point notifies the user to confirm the payment request through a short message before deducting the fee, and when receiving the confirmation result that the user allows the deduction of the fee, the user's Account debited. 13. The method according to claim 11, wherein the service control point identifies each transaction request, and carries the transaction request identifier in the transaction request sent to the merchant and the payment request initiated by the merchant, and the service control point After receiving the payment request, judge the credibility of the payment request by comparing the benchmarks. 14. The mobile communication payment system according to claim 11, characterized in that, when the service control point receives the reversal request initiated by the merchant, it authenticates the reversal request, and if the authentication is successful, the reversal The payment amount specified in the request, and notify the user and the merchant; otherwise, reject the reversal request and notify the merchant. 15. The method according to claim 11, characterized in that the user manages the user information of the service control point through a short message or a portal website, and merchants and administrators conduct self-management on the service control point through the portal website. 16. The method according to claim 12, wherein the content of the short message includes a 6-digit random number or a payment confirmation code of a serial number, and the user is required to correctly reply to the confirmation code within a specified time to the service control point for payment. Payment confirmation.

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