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Paying off method and system through short message based on intelligent network

A payment system and intelligent network technology, applied in the intelligent network-based SMS payment method and system field, can solve the problems of low accuracy and security of SMS payment, and achieve the effect of preventing merchant fraud, efficient SMS payment means, and ensuring safety

Inactive Publication Date: 2006-07-05
HUAWEI TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0008] 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

Method used

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  • Paying off method and system through short message based on intelligent network
  • Paying off method and system through short message based on intelligent network
  • Paying off method and system through short message based on intelligent network

Examples

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Embodiment Construction

[0032] The present invention mainly takes mobile communication payment as an example to illustrate the present invention.

[0033] refer to figure 1 As shown, the mobile payment system of the present invention includes:

[0034] 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.

[0035] The gateway is connected with the service control ...

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Abstract

The invention consists of: a service control point (SCP) used to save the subscriber data, commodity supplier information and goods information, and to initiate a transaction request authentication for user by using a short message, and to send the transaction request passing through the authentication to the commodity supplier, and to authenticate the payment request initiated by commodity supplier and process the payment; a gateway use to forward the short message relating to payment service sent by user to the SCP; a service management point connected to the SCP for use in providing a management interface and managing the subscriber data, commodity supplier information and goods information in the SCP. The invention also discloses a short message payment method based on the intelligent network.

Description

technical field [0001] The invention relates to mobile communication technology, in particular to an intelligent network-based short message payment method and system. Background technique [0002] 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. [0003] 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 u...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04Q7/22H04M3/42G06Q20/00H04W4/14H04Q3/00H04W4/24
Inventor 王琳
Owner HUAWEI TECH CO LTD
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