A payment system, service system and method based on ussd communication protocol

Abstract

The invention discloses a payment system and a payment method based on a USSD (Unstructured Supplementary Service Data) communication protocol, wherein the payment system comprises a system master station, a mobile terminal, a user terminal and an operator terminal, the user terminal is used for initiating a charge request to the system master station through network communication, the system master station is used for receiving the charge request initiated by the user terminal, an App which is capable of communicating with the system master station and has a USSD dialing function is installedon the mobile terminal, the mobile terminal is used for performing USSD dialing after obtaining a charge task, performing transfer charge to the operator terminal through the USSD protocol, and monitoring a charge result and returning the charge result to the system master station; and the system master station is used for generating a charge TOKEN code according to the charge result returned from the mobile terminal and returning the charge TOKEN code to the user terminal. Through adoption of the application scheme of the payment system, the mobile terminal is used as a service terminal, thereby facilitating achievement of complicated business, and also providing an integration scheme for an API (Application Programming Interface) interface.

Description

technical field [0001] The present invention relates to the communication field, in particular to a payment system, a service system and a method based on the USSD communication protocol. Background technique [0002] USSD (Unstructured Supplementary Service Data) is an unstructured supplementary data service, which is a new type of interactive data service based on the GSM network. Use the mobile phone keyboard to input some numbers or symbols that have been pre-established by the network, such as *#, and then press send, which is the dial key, to send an instruction to the network, and the network will choose the service you need to provide to you according to your instruction. [0003] In countries and regions where the Internet is not popular, they do not have a complete set of interface services, transfers between banks and enterprises rely on USSD, and user recharge transfers and other services are all through the USSD protocol. With the popularization of 3 / 4 network ...

AI Technical Summary

Problems solved by technology

[0005] However, the above scheme has the following disadvantages: 1. The dialing USSD protocol through the mobile phone keyboard requires manual operation of the user terminal. The SMS modem solution requires a variety of hardware peripherals and secondary development of hardware, which increases the cost of hardware usage and secondary development of hardware

3. Not conducive to promotion and integration

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