A mobile communication fee payment method and system based on fusion credit control

Abstract

The present invention provides a communication fee payment method and system based on integrated credit control, which combines the advantages of existing mature technical solutions and services with the characteristics and advantages of services in different fields, and takes into account the various aspects of mobile communication service providers, banks and mobile communication users. The interests of all parties, open up the fields of mobile communication credit control, bank credit control and payment, and mobile communication user consumption. Including the mobile communication operator IT support domain and the cooperative bank IT support domain; the mobile communication operator IT support domain includes the first business acceptance module, the original information control module, the integrated information control module, the shutdown module and the billing and accounting module; The cooperative bank's IT support domain includes the second business acceptance module and the integrated payment module. Compared with the existing technology, it realizes a more convenient and secure payment business, reduces the risk of mobile operators' arrears, management costs and improves the quality of credit control services, and transfers the risk of arrears to professional parties with better risk prevention and control capabilities. Three parties.

Description

technical field [0001] The invention belongs to the field of mobile communication fee payment and credit control, in particular to a mobile communication fee payment method and system based on integrated credit control. Background technique [0002] There are three types of technical solutions close to the present invention: [0003] (1) Mobile communication operators carry out communication fee payment services based on their own credit control methods based on their own business characteristics, which are generally divided into two types: post-payment (users use first and then pay) and pre-payment services (users pay first and then use) Whether to continue to provide communication services to users in the future is based on user communication consumption, payment status and other credit systems defined by communication operators for credit control. [0004] (2) Public service departments such as water, electricity, and gas sign collection agreements with banks and users, ...

AI Technical Summary

Problems solved by technology

This model is due to the complexity of mobile communication services, the extremely complex characteristics of billing and billing rules for the entire network billing service, the self-owned credit control system is insufficient to restrict users, and the user's consumption amount is uncertain. The disadvantage is that operators need to invest a lot of manpower, material resources, time and other costs to solve increasingly complex business and service problems, including billing system construction, credit control system construction, payment channels, reminder services, etc.; For operators, there is still a relatively large risk of arrears, while the cost of user breach of contract is relatively low (high arrears, abandoned cards, network transfers, etc.), and the cost of recovering liquidated damages is relatively high. The resulting bad debts can only be Third, although the prepaid service reduces the risk of arrears to a certain extent, it also curbs the willingness of users to consume on the other hand, which is not conducive to the expansion of mobile communication services; fourth, the quality of communication services enjoyed by users is not easy to guarantee (owed The payment information or payment channels are not easy to obtain in some scenarios when the fee is shut down, such as at night, abroad, in the field, etc., when the payment is turned on, there may be problems with the operator’s own system and other problems, such as not starting in time), which may easily lead to service disputes; In this mode, even if the mobile operator has a withholding agreement with the bank, the bank only exists as a supplementary payment channel. The bank is willing to undertake the aforementioned responsibilities

At present, some areas have cooperated with third parties to carry out pilot projects of arrears small guarantee business in the field of mobile communication, but the third party's qualification and survivability are still a potential risk for mobile communication operators

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