Classifications

• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; 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
  • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; 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

Definitions

• the present invention relates to Internet technologies, and more particularly to a payment method and system for association with terminal numbers based on specific information for Internet services. Background technique
• Payment technology 1 Bind based on the account number and bank card, and use the account login to make payment. Specifically, for an Internet service, the user provides bank card information when registering an account, and the payment platform of the Internet service stores binding information between the account registered by the user and the bank card information. When the user needs to make an online payment, the user first uses the account to log in to the Internet service. After the user selects the item to be paid, the payment platform searches for the corresponding bank card information based on the registered account and the binding information, thereby realizing payment.
• Apple's APP appl icat ion
• Store uses this payment technology.
• Payment technology implement payment based on a third-party payment platform.
• the user does not need to provide bank card information when registering an account.
• the user first uses the account to log in to the Internet service. After selecting the item to be paid, the user jumps to the gateway of a payment platform, and the user inputs the user name (such as 4 card number). After the information such as the password (such as the payment password of the bank card), the payment is made by the third-party payment platform.
• Payment technology III The payment is implemented based on the binding of the mobile terminal number and the user account information.
• the user binds the mobile terminal number to the account information of the user during the registration process.
• the mobile terminal having the registered mobile terminal number performs an operation of inputting a payment password and confirming the transaction, and the payment platform realizes payment based on the binding information, the mobile terminal number, the payment password, and the confirmation information.
• the above payment technology 2 requires the user to input the user name and password in the payment process, thereby complicating the user's payment process;
• the above payment technology 3 requires the user to provide the mobile terminal number, and needs to pay in the payment process.
• the process of password entry and transaction confirmation also complicates the user's payment process.
• the existing payment technology is not conducive to the development of Internet services.
• the object of the present invention is to overcome the shortcomings of the existing payment technology and provide a new payment method and system based on the specific information associated with the terminal number.
• the technical problem to be solved is to simplify the payment process of the Internet service, thereby Conducive to the development of e-commerce, promote the sound development of the Internet business, very suitable for practical.
• a payment method associated with a terminal number based on specific information includes: providing a user with specific information for identifying payment information of the product in the Internet service; and delivering the specific to the user Receiving a payment request message including the specific information sent by the user through the terminal, and acquiring specific information from the payment request message; acquiring the terminal number of the user from the communication network side; associating the terminal The number and the obtained specific information, and the associated information is provided to the payment platform; wherein the terminal number represents the identity identification information of the user, and is used by the payment platform to search for an account of the user, The specific information is used by the payment platform to pay a corresponding fee from an account of the user.
• the foregoing payment method associated with the terminal number based on the specific information, wherein the specific information includes: the cost information of the commodity, the commodity information, the manufacturer information of the commodity, the identification information of the commodity, and the billing discount information of the commodity. at least one.
• the foregoing payment method associated with the terminal number based on the specific information, wherein the specific information is carried in the payment request message in an encryption manner, a token manner or a payment certificate manner.
• the foregoing payment method associated with the terminal number based on the specific information comprises: a mobile phone number, an international mobile subscriber identity IMSI, and an international mobile device identity
• the foregoing payment method is associated with the terminal number based on the specific information
• the obtaining the terminal number of the user from the communication network side comprises: providing the terminal number of the user by an existing network device on the communication network side; Or detecting, by the deep packet detecting DPI device set on the communication network side based on the splitting or mirroring mode, the data packet transmitted in the communication network side, and acquiring the terminal number of the user from the detected signaling data packet of the user.
• the network device comprises: a gateway GPRS support node GGSN, a PDSN, a Radius, a wireless application protocol WAP gateway.
• the present invention further provides a payment system associated with a terminal number based on specific information, the system comprising: providing a specific information module, configured to provide specific information for identifying a payment information of the commodity for a product purchased by the user in the Internet service; a sending module, configured to send the specific information to the user, and an association module, configured to receive, by the user, a payment request message that includes the specific information sent by the user, and obtain the payment request message from the payment request message Specific information; obtaining the terminal number of the user from the communication network side; associating the terminal number with the acquired specific information, and providing the associated information to the payment platform; wherein the terminal number represents the identity of the user Identifying information, and for the payment platform to look up an account of the user, the specific information being used by the payment platform to pay a corresponding fee from an account of the user.
• the foregoing payment system is associated with the terminal number based on the specific information
• the providing the specific information module includes: an application sub-module, configured to receive the product request for the user sent by the sending module After the application message of the specific information, the specific information indicating the payment information of the commodity is generated for the commodity, and output to the sending module; the storage submodule; and the specific information output by the application submodule is stored.
• the foregoing payment system is associated with a terminal number based on specific information, wherein the payment platform comprises: a mobile communication payment platform, a bank payment platform or a third party payment platform.
• the present invention obtains specific information for the product purchased by the user, and obtains from the communication network side device.
• the terminal number is associated with the specific information carried in the payment request message, and then provided to the payment platform, so that the user can determine the purchase item and click only the purchase button to implement secure network payment, thereby avoiding filling in
• the process of user's account information, terminal number, password, and bank card number can realize one-click payment, simplifying the payment process of Internet services, and thus facilitating e-commerce and promotion.
• the present invention has significant advances in technology, has obvious positive effects, and is a novel, progressive, and practical new design.
• FIG. 1 is a flowchart of a payment method associated with a terminal number based on specific information according to the present invention
• FIG. 2 is a schematic diagram of a location of a payment system associated with a terminal number based on specific information according to the present invention
• FIG. 3 is a specific information and terminal based on the present invention.
• FIG. 4 is a schematic diagram of a specific application of a payment method and system associated with a mobile terminal number based on specific information for a GPRS packet domain;
• Figure 5 is a timing diagram for Figure 4.
• FIG. 6 is a schematic diagram of a specific application of a PDSN packet domain for a payment method and system associated with a mobile terminal number based on specific information according to the present invention
• Figure 7 is a timing diagram for the diagram
• FIG. 8 is a schematic diagram of another specific application of a PDSN packet domain for a payment method and system associated with a mobile terminal number based on specific information according to the present invention
• Figure 9 is a timing diagram for Figure 8. BEST MODE FOR CARRYING OUT THE INVENTION
• the following is a detailed description of the specific implementation manner, structure, features, flow and function of the payment method and system based on the specific information and the terminal number according to the present invention, with reference to the accompanying drawings and preferred embodiments. : ⁇ . Rear.
• Embodiment 1 A payment method associated with a terminal number based on specific information. A flow chart of the payment method is shown in Fig. 1.
• S100 provides specific information for the goods purchased by the user in the Internet business to represent the payment information of the product.
• the specific information in the present invention is specifically set for a product purchased by a user in an Internet service.
• the present invention can provide specific information indicating the payment information of the commodity for the commodity purchased by the user in the Internet service according to the request of the service provider platform of the Internet service, that is, the specific information can be selected for the user on the service provider platform of the Internet service.
• the purchased product requests specific information, it is generated according to the request message sent by the service provider platform, and the present invention can The specific information is stored after the specific information is generated. This specific information generated can be provided by the provider platform.
• an item should correspond to a specific piece of information.
• the specific information corresponding to the commodity in one purchase behavior may be the same as the specific information corresponding to the commodity in another purchase behavior, or may be different; preferably, in a normal case, the commodity is in one purchase behavior.
• the specific information corresponding to it should be different from the specific information corresponding to the item in another purchase behavior, even if the two purchases are performed by the same mobile user.
• a commodity in the present invention may include one or more separate products.
• the products of the four famous Chinese classics in the Internet business may include: four products: Water Margin, Journey to the West, Dream of Red Mansions, and Romance of the Three Kingdoms.
• the specific information of the present invention characterizes the payment information of the merchandise
• the specific information of the present invention can be used for the payment platform to charge the merchandise.
• This specific information may include: Expense information for the item.
• the specific information may further include: at least one of product information (e.g., product name), factory information of the product, identification information of the product (e.g., ID of the product), and billing discount information of the product.
• the specific information in the present invention may be embodied in various forms of information.
• the specific information may be expressed in an encrypted form, may be expressed in the form of a token, or may be expressed as information in the form of a payment certificate.
• the specific information may be specifically a numeric string or a letter string or the like.
• the payment certificate may include: a commodity identifier in the Internet service, an internet service provider information (such as an SP identifier), an order relationship effective time, an order relationship expiration time, a random value, and a session. Key, etc.; and the payment certificate can be in the form of an X.809 certificate.
• the specific information provided for the product selected by the user may be transmitted to the terminal device used by the user.
• the service provider platform after receiving the specific information transmitted by the payment platform, the service provider platform sends the specific information to the terminal device used by the user.
• the terminal device may carry the specific information in the payment request message and send the payment request message to the service provider platform.
• the messages sent by the terminal device usually do not carry the terminal number (such as the mobile phone number and other information that characterizes the user), unless the terminal device is specially Processing, for example, embedding a software in the terminal device, the application software can acquire the terminal number from the terminal device and carry the terminal number in a message (such as a payment request message).
• the terminal device is not required to carry the terminal number in the payment request message.
• the terminal number here can be the mobile phone number of the mobile phone, IMS! (International Mobi le Subscr iber Ident if icat ion Number, International Mobile User ID 'J code), IMEI (Internationa l Mobi le Equipment Ident i ty, International Mobile device identity code), ADSL (Asymmetric Digi tal Subscriber Line, Asymmetric Digital Subscriber Loop
• IMS! International Mobi le Subscr iber Ident if icat ion Number, International Mobile User ID 'J code
• IMEI Internationa l Mobi le Equipment Ident i ty, International Mobile device identity code
• ADSL Asymmetric Digi tal Subscriber Line, Asymmetric Digital Subscriber Loop
• WLAN Wi reless Local Area Networks
• S120 Receive a payment request message that is sent by a user through a terminal device and includes specific information, and obtain specific information from the payment request message.
• Data (such as a data packet) transmitted in the packet domain of the core network of the mobile communication network to capture a message carrying specific information (such as a payment request message in a user data packet), and then from the captured payment request message Get specific information.
• a specific example of obtaining the terminal number is: providing the terminal number by the communication network side device (that is, the existing device on the communication network side); another specific example is: transmitting the message in the communication network side by the newly added device
• the data packet (such as the input/output signaling packet of an existing device on the communication network side) is detected (for example, parsing processing) to obtain the terminal number from the signaling packet.
• the body of the above-mentioned detection signaling packet may be a DPI (Deep Packet Inspection) device bypassed on the network side by a splitting or mirroring technique.
• DPI Deep Packet Inspection
• the terminal number of the user can be automatically obtained from the communication network side. Therefore, the present invention can realize automatic identification of the terminal number of the user in the payment process.
• the existing network on the communication network side can obtain the ⁇ terminal number of the ⁇ user according to its existing normal process, the present The terminal number is obtained at the communication network side device.
• the communication network side of the present invention may be specifically: 2G/3G GPRS core network side, CDMA PDSN (Packet Data Service Node) core network side, 4G LTE (Long Term Evolution) network side, DSLAN/BRAS/Radius (fixed network) Digital Subscriber Line Access Multiplexer/Broadband Remote Access Server/Remote User Dial-Up Authentication System) Network side or WLAN (Wireless Local Area Network) AC/AP/BRAS/Radius network side.
• the network side device may be: GGSN (Gateway GPRS Support Node), P Jean, Radius or MP (Wireless Application Protocol) gateway.
• the communication network side device in the present invention is not limited thereto.
• associating the terminal number with the specific information may be: binding the terminal number to the specific information, or mapping the terminal number and the specific information according to a mapping rule; and then providing the associated information to the payment platform.
• the payment platform can find the account of the user according to the terminal number in the association, and determine the current branch of the user according to the specific information in the association. The amount is deducted, and the corresponding fee is deducted from the found user's account.
• the payment platform can decrypt the specific information according to the default key or the key contained in the associated information, and deduct the corresponding fee from the user's account according to the decrypted specific information.
• the payment platform may be an existing payment platform, such as a mobile phone payment platform, a bank payment platform or a third-party payment platform, etc.
• the corresponding user's account may be a credit account of the user's mobile phone (such as a prepaid credit account or a post-paid account). Call charge account;), the user's 4 bank account or the user's account in the third party payment platform.
• Embodiment 2 A payment system associated with a terminal number based on specific information. The payment system is shown in Figures 2 and 3.
• the payment system 1 associated with the terminal number based on the specific information of the present invention is connected to the communication pipe 2 composed of a plurality of communication network side devices via the interface 21, and the payment system 1 serves the service provider platform of the Internet service through the interface 11.
• 3 is connected and connected to the payment platform 4 via the interface 23 (ie, the payment system 1 can access the user account corresponding to the terminal number through the interface 23).
• the terminal can access the service provider platform 3 of the Internet service through the communication pipe 2.
• the payment system 1 of the present invention can perform terminal number transmission and specific information transmission through the interface 21 and the communication pipeline 2; the payment system 1 of the present invention can perform mutual authentication and specificity with the service provider platform 3 of the Internet service through the interface 22.
• the application process of the information; the payment system 1 of the present invention can provide the payment platform with the associated information of the specific information subscribed by the user and the terminal number through the interface 23.
• the protocol, the message format, and the like used by the interface 21, the interface 22, and the interface 23 may be set according to the specific conditions of the actual network, and the communication pipeline 2 may include an existing communication device that can learn the terminal number in the communication network.
• the invention does not limit the specific names of the interfaces 21-23 and the communication devices included in the communication pipe 2.
• the structure of the payment system associated with the terminal number based on the specific information of the present invention is as shown in FIG.
• the payment system in FIG. 3 specifically includes: an application sub-module 10, a delivery module 11, an association module 12, and a storage sub-module 12.
• the storage sub-module 12 is connected to the application sub-module 10 and the delivery module 11, respectively, and the application sub-module 10 is also connected to the service provider platform 3 of the Internet service, and the association module 12 is connected to the communication pipeline 2 and the payment platform 4 respectively.
• the transmitting module 11 is also connected to the terminal.
• the above application sub-module 10 and storage sub-module 12 form a module providing specific information.
• the specific information module is mainly provided for providing specific information for the user to purchase the goods in the Internet business to identify the payment information of the product.
• the specific information module is provided to generate specific information for the user-sold item and store the specific information at the request of the service provider platform 3 of the Internet service.
• the above-mentioned specific information module may be provided in the payment platform or may be set independently of the payment platform.
• the application sub-module 10 in the specific information module is mainly used to purchase an application message for the user in the Internet service after the service provider platform 3 that receives the Internet service requests the specific information for the product purchased by the user. Goods that produce a special information that characterizes the goods The information is determined, and the specific module 11 outputs the specific information.
• the storage sub-module 12. 'and stores the specific information outputted by the application sub-module 10 to represent the payment information of the commodity, and the special information may be stored in the storage sub-module 12 in various forms such as a table, a database or a text.
• the application sub-module 10 and the storage sub-module 12 may be respectively disposed in different network devices, or may be disposed in the same network device. For example, the application sub-module 10 and the storage sub-module 12 are all disposed in the payment platform.
• the above application sub-module 10 can exchange information with the service provider platform 3 of the Internet service through HTTP, WEBSERVICE or SOCKET.
• the delivery module 11 is mainly used to send specific information output by the application sub-module 10 to the user.
• the terminal device used by the user can carry the received specific information in the payment request message and send the payment request message to the network side.
• the above-mentioned delivery module 11 can be set in the service provider platform or can be set independently of the service provider platform.
• the association module 12 is configured to receive a payment request message that is sent by the user by using the specific information, obtain specific information from the payment request message, and obtain the terminal number of the user from the communication network side (for example, the communication pipe 2).
• the acquired terminal number is associated with the specific information obtained above (such as binding or mapping), and then the association module 12 provides the associated information to the payment platform 4.
• the network device where the association module 12 is located may be bypassed or serially connected with a network device in the communication channel 2 of the communication network, so as to obtain the terminal number of the user through deep packet inspection.
• the manner in which the association module 12 obtains the terminal number of the user from the communication network side may be: the existing network device in the communication pipeline provides the terminal module with the terminal number (ie, the association module 12 obtains the terminal number from the existing network device); The association module 12 can obtain the terminal number of the user by parsing the signaling of the user transmitted in the network side of the communication network.
• the associated information provided by the association module 12 to the payment platform may be specifically: binding information of a terminal number (such as MSISDN/IMSI) in GPRS and specific information; or: a terminal number (such as MSISDN/IMSI) in the PDSN and The binding relationship information of the specific information; or: binding information of the terminal number (ie, the account) in the ADSL/WLAN to the specific information.
• a terminal number such as MSISDN/IMSI
• a terminal number such as MSISDN/IMSI
• the binding relationship information of the specific information or: binding information of the terminal number (ie, the account) in the ADSL/WLAN to the specific information.
• the network device providing the terminal number for the association module 12 of the present invention may be a GGSN (Gateway GPRS Support Node), a PDSN, a Radius, or a WAP (Wireless Application Protocol) gateway.
• GGSN Gateway GPRS Support Node
• PDSN Packet Data Network
• Radius a Radio Access Management Entity
• WAP Wireless Application Protocol
• association module 12 can also be configured in a DPI (Deep Packet Inspection) device, and the DPI device can receive the data packet transmitted by the network side by way of bypass.
• DPI Deep Packet Inspection
• the payment platform 4 (such as a mobile communication payment platform, a bank payment platform or a third-party payment platform, etc.) can search for the user's account according to the received terminal number, and pay the corresponding fee from the user's account according to the specific information in the associated information. Therefore, the one-click payment of the Internet service can be conveniently and quickly realized by using the technology of the present invention.
• the present invention does not limit the specific billing operation of the payment platform 4.
• Embodiment 3 Payment method and system related to terminal number based on specific information of the present invention Specific applications for GPRS packet domains. See Figure 4 and Figure 5.
• the method mainly includes: a network packet capturing unit, a signaling processing unit, a user data packet processing unit, and an association unit.
• the interface between the GGSN and the SGSN in the GPRS packet domain is called the Gn interface.
• the data stream of the Gn interface is copied by the optical splitter unit or the mirroring unit by using the splitting or mirroring technology.
• the copied data stream can be transmitted to the DPI device or transmitted to the DPI device through the split aggregation unit.
• S401 the user (i.e., the mobile subscriber) initiates a purchase request to the cooperative SP platform (i.e., the service provider platform of the mobile internet service cooperating with the mobile payment platform).
• the cooperative SP platform i.e., the service provider platform of the mobile internet service cooperating with the mobile payment platform.
• the cooperative SP platform adds a product identifier and a price identifier of the product purchased by the user in the received purchase request, and after authentication, requests specific information (such as an authorization code) from the mobile payment platform, such as a cooperative SP.
• the platform sends a purchase request to the mobile payment platform after adding the product watcher and the price tag.
• the mobile payment platform generates an authorization code according to the received request, associates the product identifier and the price identifier carried in the request message with the authorization code generated above, and stores the association relationship.
• the mobile payment platform returns an authorization code to the cooperative SP platform.
• the cooperative SP platform returns an authorization code to the user to request the user to confirm the payment.
• the user sends a payment request message carrying the authorized code to the cooperative SP platform.
• the DPI device performs the Gn interface deep packet detection after receiving the payment request message, and the process of the deep packet detection is: the signaling packet in the data packet collected by the network trapping unit. Forwarding to the signaling processing unit, the signaling processing unit parses out the mobile terminal number representing the mobile subscriber identity, such as the MSISDN, IMEI or IMSI of the user; the network packet capture unit forwards the user data packet in the collected data packet to the user The packet processing unit parses the authorization code in the service information by the user data packet processing unit.
• the DPI device associates and stores the authorization code with the mobile terminal number representing the identity information of the mobile user by using a signaling and data packet association unit.
• the DPI device e.g., the associated unit
• Cooperation SP platform use authorization code to initiate a charge request to the mobile payment platform, or cooperate with the SP platform to wait for the notification of the mobile payment platform.
• the S41 mobile payment platform associates the associated information stored in the step S403 with the mobile terminal number by using the associated information transmitted by the DPI device, and forms an association relationship between the user identity information, the product identifier, and the price identifier.
• the mobile payment platform uses this association to deduct the accounts of the relevant users.
• the mobile payment platform returns the deduction result to the cooperative SP platform.
• the cooperative SP platform pushes the deduction result to the user.
• Embodiment 4 the payment method associated with the mobile terminal number based on the specific information of the present invention
• the system is specific to the PDSN packet domain. See Figure 6 and Figure 7.
• the interface between the PCF and the PDSN in the PDSN packet domain is called the Rp interface.
• the data stream of the Rp interface is copied by the optical splitter unit or the mirroring unit by using the splitting or mirroring technology.
• the copied data stream can be transmitted to the DPI device or transmitted to the DPI device through the split aggregation unit.
• S501-S507 are the same as S401-S407 in Fig. 5.
• the DPI device ie, the DPr device
• the signaling processing unit parses out the mobile terminal number representing the mobile subscriber identity, such as the MSISDN, IMEI or IMSI of the user;
• the network packet capture unit forwards the user data packet in the collected data packet to the user
• the packet processing unit parses the authorization code in the service information by the user packet processing unit.
• S509-S513 is the same as S409-S413.
• Embodiment 5 The payment method and system of the present invention associated with a mobile terminal number based on specific information is another specific application for the PDSN packet domain. See Figure 8 and Figure 9.
• the interface between the AAA server and the PDSN in the PDSN ⁇ group domain is called the Pi interface.
• the data flow of the Pi interface is copied by the optical splitter unit or the mirroring unit by using the splitting or mirroring technology.
• the copied data stream can be transmitted to the DPI device or transmitted to the DPI device through the split aggregation unit.
• S601-S607 are the same as S401-S407 in Fig. 5, and the description thereof will not be repeated here.
• the DPI device (ie, the DPI device) performs the Pi interface deep packet detection after receiving the payment request message, and the process of the deep packet detection is: the signaling packet in the data packet collected by the network trapping unit. Forwarding to the signaling processing unit, the signaling processing unit parses out the mobile terminal number representing the mobile user identity, such as the MSISDN, IMEI or IMSI of the user; the network packet capture unit forwards the user data packet collected in the data packet to the user The packet processing unit parses the authorization code in the service information by the user packet processing unit.
• S609-S613 is the same as S409-S413, and the description thereof will not be repeated here.

Landscapes

• Business, Economics & Management (AREA)
• Accounting & Taxation (AREA)
• Engineering & Computer Science (AREA)
• Finance (AREA)
• Strategic Management (AREA)
• Physics & Mathematics (AREA)
• General Business, Economics & Management (AREA)
• General Physics & Mathematics (AREA)
• Theoretical Computer Science (AREA)
• Computer Security & Cryptography (AREA)
• Mobile Radio Communication Systems (AREA)

Priority Applications (1)

Applications Claiming Priority (1)

Publications (1)

Family

ID=48798466

Family Applications (1)

Country Status (1)

Citations (4)

• 2012
  • 2012-01-21 WO PCT/CN2012/000120 patent/WO2013106952A1/fr not_active Ceased

Patent Citations (4)

Similar Documents

Legal Events