CN102270326A - Authentication charging system and method based on intelligent network payment value added service - Google Patents
Authentication charging system and method based on intelligent network payment value added service Download PDFInfo
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Abstract
The invention discloses an authentication charging system based on intelligent network payment value added service. The system comprises a service processing system, a value added service authentication charging center and payment equipment. The invention also discloses an authentication charging method based on the intelligent network payment value added service. By adopting the system and the method, the advantages of rapid deployment and quick response of the intelligent network payment value added service are effectively utilized, and payment service is specially controlled and limited by the authentication processing, so that the safety of payment service is improved; and compared with other modes such as mobile payment and the like, the charging system has the advantages of performing payment quickly and safely in real time and effectively improving user experience.
Description
Technical Field
The invention relates to the field of intelligent network value-added services, in particular to an authentication charging system and method based on intelligent network payment value-added services.
Background
With the continuous development and the gradual maturity of the internet and the mobile technology, the consumption mode of people also has a huge influence, so that consumers can select different payment modes when purchasing commodities. In particular, as the popularity of cell phones has increased in functionality, the manner in which consumers use cell phones to make payments has also become increasingly popular.
In the prior art, there are many payment modes using a mobile phone, such as a small amount mobile payment mode, a mobile phone bank, a third party mobile payment, and the like. These payment methods require that the consumer's cell phone and merchant be bound to the bank account in advance. When a consumer consumes, a payment request needs to be respectively initiated to a bank payment system through a mobile phone of the consumer and a merchant, the bank payment system identifies and verifies a password of the payment request of the consumer and the merchant, and the payment request identification and the password verification are passed, so that the payment of the expenses can be transferred.
It can be seen that there are some disadvantages to the existing way of using mobile payment. For example, a user is required to input account information such as a bank account number and a password, so that the account information such as the bank account number and the password is simultaneously transmitted on the internet, and therefore, the account information of the user is possibly leaked, and potential safety hazards are brought to the user; in addition, the existing mode of payment by using a mobile phone requires a user to operate a plurality of steps to complete one payment action, and the operation is complex; and the existing payment mode can only carry out expense transfer after the payment behaviors of the two parties are verified by a bank, so that the problem that the payment cannot be carried out immediately exists, and unnecessary troubles are brought to merchants.
Disclosure of Invention
In view of the above, the main objective of the present invention is to provide an authentication charging system and method based on intelligent network payment value-added services, which can implement a secure, simple, convenient and fast payment method for transactions.
In order to achieve the purpose, the technical scheme of the invention is realized as follows:
the invention provides an authentication charging system based on intelligent network payment value-added service, which comprises: a service processing system, a value-added service authentication charging center and a payment device, wherein,
the service processing system is used for receiving a payment request sent by a user, sending the payment authentication request to the value added service authentication and charging center, sending a confirmation message to the user after receiving a successful payment authentication message returned by the value added service authentication and charging center, sending the authentication and charging request after the user confirms, and forwarding an authentication failure message returned by the value added service authentication and charging center;
the value added service authentication and charging center stores user information, commodities and merchant information corresponding to the commodities, authenticates a payment authentication request or an authentication and charging request or authenticates payment capacity, returns an authentication failure message when authentication fails, returns an authentication success message after the authentication of the payment authentication request is successful, and sends the authentication and charging request to the payment equipment after the authentication of the payment capacity is successful;
and the payment equipment is used for carrying out real-time authentication on the authentication and charging request and carrying out charging processing.
Wherein, the value added service authentication charging center further comprises: the commodity information synchronization module is used for the merchant to upload the commodity information to the value added service authentication charging center; and/or the presence of a gas in the gas,
the payment device is also used for returning a successful payment message to the mobile terminal through the value added service authentication charging center and the service processing system.
The service processing system specifically comprises: and the processing system at the network side corresponds to the mode of sending the payment request by the user.
Wherein, the value added service authentication charging center performs authentication processing on the payment authentication request, including: and inquiring information stored in the value added service authentication charging center according to the user identity information, the commodity information required to be paid and the merchant information corresponding to the commodity in the payment authentication request, and comparing to finish authentication processing.
Wherein, the real-time authentication of the payment device comprises: for the post-paid user, further real-time authentication is carried out aiming at the state and the credit degree of the user; for the prepaid user, the real-time authentication is carried out according to the balance of the user and the real-time charging processing is carried out.
The invention also provides an authentication charging method based on the intelligent network payment value-added service, which comprises the following steps:
the value added service authentication charging center receives a payment authentication request sent by a service processing system;
authenticating the payment authentication request, if the authentication is successful, returning a message to prompt the user to confirm, otherwise, returning an authentication failure message and ending the processing flow;
after the user confirms, the user sends an authentication charging request to a value added service authentication charging center to authenticate the payment capability, and sends the authentication charging request to the payment equipment to perform real-time authentication charging processing after the payment capability is successfully authenticated.
Wherein, before the value added service authentication charging center receives the payment authentication request, the method further comprises: the merchant uploads the commodity information to a value added service authentication charging center; and/or the presence of a gas in the gas,
after the authentication and charging process is performed by the payment device, the method further includes: and returning a successful payment message to the mobile terminal through the value-added service authentication charging center and the service processing system.
The invention provides an authentication charging system and method based on intelligent network payment value-added service.A service processing system forwards a payment authentication request sent by a user, a value-added service authentication charging center arranged on an intelligent network carries out authentication processing on the payment authentication request, after the payment authentication request passes authentication and is confirmed by the user, the value-added service authentication charging center and a payment device send an authentication charging request, and the value-added service authentication charging center and the payment device carry out authentication and charging processing on the authentication charging request. The invention adds payment value-added service based on traditional intelligent network value-added service. The payment value-added service can meet the requirements of mobile payment, the advantages of rapid deployment and rapid response of the intelligent network value-added service are utilized, special control and limitation are carried out on the payment value-added service through authentication processing, the safety of the payment value-added service is improved, compared with other modes of mobile payment, the payment can be carried out rapidly, safely and in real time, a user only needs to initiate payment, carry out payment confirmation and other few steps, the whole payment process can be completed, and the user experience is effectively improved.
Drawings
FIG. 1 is a schematic structural diagram of an authentication charging system based on intelligent network payment type value-added service according to the present invention;
FIG. 2 is a schematic flow chart of the authentication charging method based on the intelligent network payment value-added service of the present invention;
fig. 3 is a schematic diagram of the successful authentication and charging process of the value added service based on intelligent network payment.
Detailed Description
The invention is realized based on an intelligent network. Intelligent networks are a technology that uses computer software to control the call flow of traditional switches. Before the advent of intelligent networks, communication operators provided new services by adding dedicated equipment, but this method was neither standard nor flexible, and had limited functionality, which was not conducive to further expansion of services. In the intelligent network, the service control and service exchange are separated, under the condition of not changing the hardware structure of telecommunication network, the centralized service logic processing and centralized data base system means are adopted, so that various new services can be quickly, conveniently, flexibly, economically and effectively generated and realized.
In the invention, the payment value-added service is provided through the intelligent network, so that the merchant applies for the payment value-added service to record the commodity information of the payment value-added service, and meanwhile, the invention can provide the user to visit, browse and purchase the commodities provided by the merchant and synchronize the commodity information of the merchant to the intelligent network. The information interaction with the intelligent network can be realized by only activating the payment value-added service provided by the intelligent network by the mobile phone or other communication terminals used by the user.
The technical solution of the present invention is further elaborated below with reference to the drawings and the specific embodiments.
Fig. 1 is a schematic structural diagram of an authentication and charging system based on an intelligent network payment value-added service, and as shown in fig. 1, the authentication system based on the intelligent network payment value-added service includes: a service processing system 11, a value added service authentication charging center 12 and a payment device 13; wherein,
the service processing system 11 is configured to receive a payment request sent by a user, send a payment authentication request to the value added service authentication and charging center 12, send a confirmation message to the user after receiving a message of successful payment authentication returned by the value added service authentication and charging center 12, send an authentication and charging request after the user confirms, and forward a message of successful payment or failed authentication returned by the value added service authentication and charging center 12;
specifically, the service processing system is: and the network side processing system corresponds to the mode of sending the payment request by the user. The method for sending the payment authentication request to the service processing system 11 by the user specifically includes: the method of sending short messages is adopted, and the service processing system 11 can be a telecommunication gateway or a short message center; or a voice access mode is adopted, and at this time, the service processing system 11 may be an IVR (Interactive voice response) system; or a Wireless Application Protocol (WAP) access mode is adopted, and the service processing system 11 may be a WAP gateway. The payment authentication request comprises: user identity information, commodity information needing payment and merchant information corresponding to the commodities. The above information is used for the authentication of the value added service authentication charging center 12 to the user and the goods. The authentication charging request is that the service processing system 11 forwards the confirmation message to the value added service authentication charging center 12 after the user confirms the confirmation message.
The value added service authentication and charging center 12 is configured to store user information, goods and merchant information corresponding to the goods, perform authentication processing on a payment authentication request or an authentication and charging request sent from the service processing system 11, or authenticate payment capability, return an authentication failure message when authentication fails, return an authentication success message after authentication of the payment authentication request is successful, and send an authentication and charging request to the payment device 13 after authentication of the payment capability;
specifically, the authentication processing is to perform authentication processing on the user identity information, the commodity information to be paid and the merchant information corresponding to the commodity in the payment authentication request. The user identity information, the commodity information to be paid and the merchant information corresponding to the commodity can be respectively as follows: user identification, merchandise identification, and merchant identification. The authentication processing process needs to comprehensively judge the authenticity and the service range of the commodity and the merchant by combining the three parts of information: judging whether the user has the purchasing authority of the commodity, if not, the authentication fails, if so, judging whether the user initiates a payment authentication request for the commodity of the merchant for the first time or not, if not, the authentication is failed, the authentication failure message is returned and the processing flow is ended, if the payment authentication request is initiated for the first time, whether the user exceeds the rated payment times within a certain time is continuously checked, if the number of the commodities exceeds the rated number, the authentication fails, an authentication failure message is returned, the processing flow is ended, if the number of the commodities does not exceed the rated number, the commodities and the merchants are continuously authenticated, if the commodity is not overdue and the price information of the merchant and the commodity is completely true, the authentication is successful, the authentication success information is returned to the mobile terminal of the user, otherwise, the authentication is failed, the authentication failure message is returned, and the processing flow is ended. The successful authentication of the payment authentication request initiated for the first time is to avoid errors caused by repeated retransmission of the request due to network faults, and to ensure that the user does not pay repeatedly. The rated payment times in a certain time can be preset by a user, and the purpose of the method is to improve the safety of the payment method and avoid malicious mass payment after other people illegally obtain the mobile terminal. The authentication of the commodity and the merchant is to check the validity period of the commodity, the commodity price and the authenticity of the merchant according to the commodity and merchant information stored in the value-added service authentication charging center, and the method aims to avoid the false price used by the merchant in propaganda from misleading the purchaser and guarantee the benefit of the user sending the payment authentication request.
The authentication processing of the payment capability comprises the following steps: distinguishing the payment mode of the user, if the user is a postpaid user, authenticating according to the state of the user and the credit rating of the user, if the state of the user is normal and the credit rating is enough to pay the price of the commodity, successfully authenticating, otherwise, failing to authenticate, returning an authentication failure message and ending the process. If the commodity price is the prepaid user, authentication is carried out according to the balance of the user, if the balance of the user is enough to pay the commodity price, the authentication is successful, otherwise, the authentication is failed, an authentication failure message is returned, and the flow is ended. Wherein the user's status includes: normal, arrears, shutdown or logoff. The credit includes: if the user's post-payment mode is through credit card, the overdraft limit of the credit card is used as credit, if the user's post-payment mode is company account, etc., the post-payment mode can be set according to the specific payment limit.
The payment device 13 is configured to perform real-time authentication and charging processing on the authentication charging request sent by the value added service authentication charging center 12.
Specifically, the payment device 13 is disposed on a mobile network, and information interaction with the value added service authentication charging center 12 can be realized by using the existing mobile network and intelligent network data transmission protocol. In order to make it convenient for the user to check whether the payment is successful, the payment device 13 may further feed back the result of authenticating the payment capability of the user to the user through the value-added service authentication charging center 12 and the service processing system 11 in sequence. The content of the real-time authentication is the same as the object of the authentication processing aiming at the payment capability of the user, but the authentication operation at the moment is mainly real-time processing, so that the accuracy of the authentication of the real-time payment is improved, and the wrong authentication and charging caused by time difference are avoided.
Further, the payment apparatus 13 further includes: prepaid device 131 and postpaid device 132, wherein,
the prepaid device 131 is configured to authenticate and charge the authentication and charging request of the prepaid user in real time;
specifically, if the authentication of the prepaid device 131 is successful, the fee is deducted and a payment success message is returned.
The post-payment device 132 is used for performing real-time authentication and charging on the authentication charging request of the post-payment user.
Specifically, if the post-payment device 132 is authenticated successfully, the charging is performed and a payment success message is returned.
Further, the value added service authentication charging center 12 further includes: the goods information synchronization module 121, wherein,
the commodity information synchronization module 121 is configured to enable the merchant to synchronously upload the commodity information to the value added service authentication and charging center 12, so that the merchant can reflect the updated commodity information to the value added service authentication and charging center 12 in time.
Fig. 2 is a schematic flow chart of the authentication charging method based on the intelligent network payment value-added service of the present invention, as shown in fig. 2, the method includes the following steps:
step 201, a value added service authentication charging center receives a payment authentication request;
specifically, the payment authentication request is sent to the value added service authentication charging center by the service processing system after the service processing system receives the payment request of the user. The mobile terminal can be a mobile phone, a PDA and other personal mobile communication terminals. The service processing system may be: a network side processing system such as a telecommunication gateway or a short message center, an IVR system or a WAP gateway and the like corresponding to the mode of sending the payment request by the user. For example: the user sends a payment authentication request in a short message mode, and the service processing system is a telecommunication gateway or a short message center; if the user sends a payment authentication request in a voice access mode, the service processing system is an IVR system; if the user sends the payment authentication request through the WAP access mode, the service processing system is the WAP gateway. The payment authentication request comprises: user identity information, commodity information needing payment and merchant information corresponding to the commodities. The user identity information, the commodity information to be paid and the merchant information corresponding to the commodity can be respectively as follows: user identification, merchandise identification, and merchant identification.
Step 202, the payment authentication request is authenticated, if the authentication is successful, a message is returned to prompt the user to confirm, otherwise, an authentication failure message is returned, and the processing flow is ended;
specifically, the authentication processing is implemented by combining the user identity information in the payment authentication request, the information of the commodity to be paid, the information of the merchant corresponding to the commodity and the information stored in the value added service authentication charging center. The authentication processing process needs to comprehensively judge the authenticity and the service range of the commodity and the merchant by combining the three parts of information: judging whether the user has the purchasing authority of the commodity, if not, the authentication fails, if so, judging whether the user initiates a payment authentication request for the commodity of the merchant for the first time or not, if not, the authentication is failed, the authentication failure message is returned and the processing flow is ended, if the payment authentication request is initiated for the first time, whether the user exceeds the rated payment times within a certain time is continuously checked, if the number of the commodities exceeds the rated number, the authentication fails, an authentication failure message is returned, the processing flow is ended, if the number of the commodities does not exceed the rated number, the commodities and the merchants are continuously authenticated, if the commodity is not overdue and the price information of the merchant and the commodity is completely true, the authentication is successful, the authentication success information is returned to the mobile terminal, otherwise, the authentication is failed, the authentication failure information is returned, and the processing flow is ended. The successful authentication of the payment authentication request initiated for the first time is to avoid errors caused by repeated retransmission of the request due to network faults, and to ensure that the user does not pay repeatedly. The rated payment times in a certain time can be preset by a user, and the purpose of the method is to improve the safety of the payment method and avoid malicious mass payment after other people illegally obtain the mobile terminal. The authentication of the commodity and the merchant is to check the validity period of the commodity, the commodity price and the authenticity of the merchant according to the commodity and merchant information stored in the value-added service authentication charging center, and the method aims to avoid the false price used by the merchant in propaganda from misleading the purchaser and guarantee the benefit of the user sending the payment authentication request.
Step 203, after the user confirms, the service processing system sends an authentication charging request to the value added service authentication charging center to authenticate the payment capability, and sends the authentication charging request to the payment device to perform real-time authentication charging processing after the payment capability is successfully authenticated.
Specifically, the authenticating the payment capability includes: distinguishing the payment mode of the user, if the user is a postpaid user, authenticating according to the state of the user and the credit rating of the user, if the state of the user is normal and the credit rating is enough to pay the price of the commodity, successfully authenticating, otherwise, failing to authenticate, returning an authentication failure message and ending the process. If the commodity price is the prepaid user, authentication is carried out according to the balance of the user, if the balance of the user is enough to pay the commodity price, the authentication is successful, otherwise, the authentication is failed, an authentication failure message is returned, and the flow is ended. Wherein the user's status includes: normal, arrears, shutdown or logoff. The credit includes: if the user's post-payment mode is through credit card, the overdraft limit of the credit card is used as credit, if the user's post-payment mode is company account, etc., the post-payment mode can be set according to the specific payment limit.
The payment apparatus includes: post-paid devices and prepaid devices. The content of real-time authentication in the equipment of the corresponding payment mode is the same as the object of authentication aiming at the payment capability of the user, but the authentication operation at the moment is mainly real-time processing, so that the accuracy of the authentication is improved, the wrong authentication and charging caused by time difference are avoided, and the safety of the real-time payment is further improved.
Further, after step 203, the method further includes:
and step 204, returning a successful payment message to the mobile terminal through the value added service authentication charging center and the service processing system.
Specifically, the payment success message includes information of a payment result prompting the user.
Further, since the value added service authentication and charging center needs to authenticate the information of the goods and the merchant, the merchant needs to upload the updated information of the goods to the value added service authentication and charging center in time before step 201.
Fig. 3 is a schematic diagram of a specific process of successful authentication and charging based on the intelligent network payment value-added service of the present invention, as shown in fig. 3, the process includes the following steps:
step 301, a user sends a payment request to a service processing system through a mobile terminal;
specifically, the mobile terminal may be a mobile phone, a PDA, or other personal mobile communication terminal. The service processing system may be: a telecommunication gateway or a short message center, an IVR system, a WAP gateway, etc. The payment request comprises: user identity information, commodity information needing payment and merchant information corresponding to the commodities. The user identity information, the commodity information to be paid and the merchant information corresponding to the commodity can be respectively as follows: user identification, merchandise identification, and merchant identification.
Step 302, after receiving the payment request, the service processing system sends a payment authentication request to a value added service authentication charging center after processing;
step 303, after receiving the payment authentication request sent by the service processing system, the value added service authentication charging center performs authentication processing;
specifically, the authentication processing is to perform authentication processing on the user identity information, the commodity information to be paid and the merchant information corresponding to the commodity in the payment authentication request. Wherein, the authentication processing process needs to be comprehensively judged by combining the three parts of information: judging whether the user initiates a payment authentication request for the first time aiming at the commodity of the merchant, if not, failing authentication, returning an authentication failure message and ending the processing flow, if the user initiates the payment authentication request for the first time, continuously checking whether the user exceeds the rated payment times within a certain time, if so, failing authentication, returning the authentication failure message and ending the processing flow, if not, continuously authenticating the commodity and the merchant, if the commodity is not overdue, and the price and other information of the merchant and the commodity are completely true, successfully authenticating, returning the authentication success information to the mobile terminal, otherwise, failing authentication, returning the authentication failure message and ending the processing flow. The successful authentication of the payment authentication request initiated for the first time is to avoid errors caused by repeated retransmission of the request due to network faults, and to ensure that the user does not pay repeatedly. The rated payment times in a certain time can be preset by a user, and the purpose of the method is to improve the safety of the payment method and avoid malicious mass payment after other people illegally obtain the mobile terminal. The authentication of the commodity and the merchant is to check the validity period of the commodity, the commodity price and the authenticity of the merchant according to the commodity and merchant information stored in the value-added service authentication charging center, and the method aims to avoid the false price used by the merchant in propaganda from misleading the purchaser and guarantee the benefit of the user sending the payment authentication request.
Step 304, the value added service authentication charging center returns an authentication result to the service processing system;
305, after the service processing system receives the message of successful authentication, the service processing system generates a confirmation message according to the message of successful authentication and sends the confirmation message to the mobile terminal;
specifically, the confirmation message may be sent in a short message manner, where the confirmation message includes information of the commodity that the user needs to pay.
Step 306, after the user receives the confirmation message, if the payment is confirmed, a completion confirmation is returned to the service processing system;
step 307, after receiving the message of completing the confirmation, the service processing system sends an authentication charging request to the value added service authentication charging center.
308, the value added service authentication and charging center authenticates the payment capability of the authentication and charging request according to the payment type of the user, executes 309 for the post-paid user who succeeds in authentication, and executes 310 for the pre-paid user who succeeds in authentication;
specifically, the authenticating the payment capability includes: distinguishing the payment mode of the user, if the user is a postpaid user, authenticating according to the state of the user and the credit rating of the user, if the state of the user is normal and the credit rating is enough to pay the price of the commodity, successfully authenticating, otherwise, failing to authenticate, returning an authentication failure message and ending the process. If the commodity price is the prepaid user, authentication is carried out according to the balance of the user, if the balance of the user is enough to pay the commodity price, the authentication is successful, otherwise, the authentication is failed, an authentication failure message is returned, and the flow is ended. Wherein the user's status includes: normal, arrears, shutdown or logoff. The credit includes: if the user's post-payment mode is through credit card, the overdraft limit of the credit card is used as credit, if the user's post-payment mode is company account, etc., the post-payment mode can be set according to the specific payment limit.
309, the value added service authentication and charging center sends an authentication and charging request to the post-payment equipment, the post-payment equipment performs real-time authentication, if the authentication is successful, charging and returning a successful payment message, and executing 311;
specifically, the real-time authentication is the same as the authentication in step 308, so as to improve the accuracy of the authentication of the real-time payment in the present invention and avoid the false authentication and charging caused by the time difference.
Step 310, the value added service authentication and charging center sends an authentication and charging request to the prepaid device, the prepaid device performs real-time authentication, if the authentication is successful, the fee is deducted and a successful payment message is returned, and step 311 is executed;
specifically, the real-time authentication is the same as the authentication in step 308, so as to improve the accuracy of the authentication of the real-time payment in the present invention and avoid the false authentication and charging caused by the time difference.
311, the value added service authentication charging center returns a successful payment message to the service processing system;
step 312, the service processing system returns a payment success message to the mobile terminal, and ends the processing flow.
Specifically, the payment success message includes information of a payment result prompting the user.
Further, the returned authentication failure message is forwarded to the mobile terminal through the service processing system. The failure message carries corresponding error information prompting the user of the reason of the failure of authentication, so that the user can conveniently process the failure message further.
The authentication method and the authentication system provided by the embodiment of the invention provide powerful control and guarantee for the rapid, safe and real-time mobile payment service. By using the authentication method and the authentication system provided by the embodiment of the invention, the aim of mobile payment can be simply and conveniently realized for the user, and the payment safety is ensured; for merchants, payment value-added services can be deployed quickly to realize profit; for operators, the application of payment value-added services can be conveniently developed based on a mature intelligent network.
While the invention has been described with reference to a preferred embodiment, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (10)
1. An authentication charging system based on intelligent network payment value-added service is characterized in that the authentication system comprises: a service processing system, a value-added service authentication charging center and a payment device, wherein,
the service processing system is used for receiving a payment request sent by a user, sending the payment authentication request to the value added service authentication and charging center, sending a confirmation message to the user after receiving a successful payment authentication message returned by the value added service authentication and charging center, sending the authentication and charging request after the user confirms, and forwarding an authentication failure message returned by the value added service authentication and charging center;
the value added service authentication and charging center stores user information, commodities and merchant information corresponding to the commodities, authenticates a payment authentication request or an authentication and charging request or authenticates payment capacity, returns an authentication failure message when authentication fails, returns an authentication success message after the authentication of the payment authentication request is successful, and sends the authentication and charging request to the payment equipment after the authentication of the payment capacity is successful;
and the payment equipment is used for carrying out real-time authentication on the authentication and charging request and carrying out charging processing.
2. The system of claim 1,
the value added service authentication charging center further comprises: the commodity information synchronization module is used for the merchant to upload the commodity information to the value added service authentication charging center; and/or the presence of a gas in the gas,
the payment device is also used for returning a successful payment message to the mobile terminal through the value added service authentication charging center and the service processing system.
3. The system according to claim 1 or 2, wherein the service processing system is specifically: and the processing system at the network side corresponds to the mode of sending the payment request by the user.
4. The system according to claim 1 or 2, wherein the value added service authentication charging center performs authentication processing on the payment authentication request, including: and inquiring information stored in the value added service authentication charging center according to the user identity information, the commodity information required to be paid and the merchant information corresponding to the commodity in the payment authentication request, and comparing to finish authentication processing.
5. The system of claim 1 or 2, wherein the payment device performs real-time authentication, comprising: for the post-paid user, further real-time authentication is carried out aiming at the state and the credit degree of the user; for the prepaid user, the real-time authentication is carried out according to the balance of the user and the real-time charging processing is carried out.
6. An authentication charging method based on intelligent network payment type value-added service is characterized by comprising the following steps:
the value added service authentication charging center receives a payment authentication request sent by a service processing system;
authenticating the payment authentication request, if the authentication is successful, returning a message to prompt the user to confirm, otherwise, returning an authentication failure message and ending the processing flow;
after the user confirms, the user sends an authentication charging request to a value added service authentication charging center to authenticate the payment capability, and sends the authentication charging request to the payment equipment to perform real-time authentication charging processing after the payment capability is successfully authenticated.
7. The method of claim 6,
before the value added service authentication and charging center receives the payment authentication request, the method further comprises the following steps: the merchant uploads the commodity information to a value added service authentication charging center; and/or the presence of a gas in the gas,
after the authentication and charging process is performed by the payment device, the method further includes: and returning a successful payment message to the mobile terminal through the value-added service authentication charging center and the service processing system.
8. The method according to claim 6 or 7, wherein the service processing system is specifically: and the processing system at the network side corresponds to the mode of sending the payment request by the user.
9. The method according to claim 6 or 7, wherein the authenticating the payment authentication request comprises: and inquiring information stored in the value added service authentication charging center according to the user identity information, the commodity information required to be paid and the merchant information corresponding to the commodity in the payment authentication request, and comparing to finish authentication processing.
10. The method according to claim 6 or 7, wherein the payment device performs a real-time authentication billing process, comprising: for the post-paid user, further real-time authentication is carried out aiming at the state and the credit degree of the user; for the prepaid user, the real-time authentication is carried out according to the balance of the user and the real-time charging processing is carried out.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010101908504A CN102270326A (en) | 2010-06-02 | 2010-06-02 | Authentication charging system and method based on intelligent network payment value added service |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010101908504A CN102270326A (en) | 2010-06-02 | 2010-06-02 | Authentication charging system and method based on intelligent network payment value added service |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2014177098A1 (en) * | 2013-12-24 | 2014-11-06 | 中兴通讯股份有限公司 | Application software online payment processing method and system |
| CN105282725A (en) * | 2015-09-02 | 2016-01-27 | 世纪龙信息网络有限责任公司 | Business charging method and system |
| CN105825373A (en) * | 2015-01-06 | 2016-08-03 | 中国移动通信集团江苏有限公司 | Payment method, digital video conversion device and mobile terminal |
| CN106327172A (en) * | 2015-06-17 | 2017-01-11 | 西安中兴新软件有限责任公司 | Payment method and device for virtual SIM card terminal |
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| US20050048950A1 (en) * | 2001-10-24 | 2005-03-03 | Siemens Aktiengesellschaft | Method and device for authenticated access of a station to local data networks in particular radio data networks |
| CN1848822A (en) * | 2005-04-04 | 2006-10-18 | 华为技术有限公司 | Interactive processing method and system for intelligent network system and payment system |
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Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| US20050048950A1 (en) * | 2001-10-24 | 2005-03-03 | Siemens Aktiengesellschaft | Method and device for authenticated access of a station to local data networks in particular radio data networks |
| CN1848822A (en) * | 2005-04-04 | 2006-10-18 | 华为技术有限公司 | Interactive processing method and system for intelligent network system and payment system |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2014177098A1 (en) * | 2013-12-24 | 2014-11-06 | 中兴通讯股份有限公司 | Application software online payment processing method and system |
| CN104732384A (en) * | 2013-12-24 | 2015-06-24 | 中兴通讯股份有限公司 | Processing method and system for application software online payment |
| CN105825373A (en) * | 2015-01-06 | 2016-08-03 | 中国移动通信集团江苏有限公司 | Payment method, digital video conversion device and mobile terminal |
| CN106327172A (en) * | 2015-06-17 | 2017-01-11 | 西安中兴新软件有限责任公司 | Payment method and device for virtual SIM card terminal |
| CN106327172B (en) * | 2015-06-17 | 2021-10-22 | 西安中兴新软件有限责任公司 | Payment method and device for virtual SIM card terminal |
| CN105282725A (en) * | 2015-09-02 | 2016-01-27 | 世纪龙信息网络有限责任公司 | Business charging method and system |
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Application publication date: 20111207 |