WO2012159428A1 - Device and method for mobile tariff credit - Google Patents

Device and method for mobile tariff credit Download PDF

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Publication number
WO2012159428A1
WO2012159428A1 PCT/CN2011/082740 CN2011082740W WO2012159428A1 WO 2012159428 A1 WO2012159428 A1 WO 2012159428A1 CN 2011082740 W CN2011082740 W CN 2011082740W WO 2012159428 A1 WO2012159428 A1 WO 2012159428A1
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WO
WIPO (PCT)
Prior art keywords
amount
user terminal
loan
credit
user
Prior art date
Application number
PCT/CN2011/082740
Other languages
French (fr)
Chinese (zh)
Other versions
WO2012159428A9 (en
Inventor
白涛利
Original Assignee
中兴通讯股份有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 中兴通讯股份有限公司 filed Critical 中兴通讯股份有限公司
Publication of WO2012159428A1 publication Critical patent/WO2012159428A1/en
Publication of WO2012159428A9 publication Critical patent/WO2012159428A9/en

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Classifications

    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W4/00Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24Accounting or billing
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L12/00Data switching networks
    • H04L12/02Details
    • H04L12/14Charging, metering or billing arrangements for data wireline or wireless communications
    • H04L12/1453Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network
    • H04L12/1467Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network involving prepayment
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/02Coin-freed or check-freed systems, e.g. mobile- or card-operated phones, public telephones or booths
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M17/00Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/204Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless

Definitions

  • the present invention relates to the field of communications, and in particular to a mobile tariff credit apparatus and method.
  • BACKGROUND With the continuous development of communication services, post-paid services or pre-paid services of fixed-line or mobile communications are growing rapidly. For some users, such as busy users, users who do not have time to recharge, such as Mongolian herders, if they are outside When the balance is insufficient, there may be no way to recharge or pay the recharge card, and there is no way to recharge or pay the business hall. Therefore, for these users, if the balance is insufficient or cannot be paid on time, it may affect the user's use. In this case, the prepaid service is more prominent. The following takes the prepaid service as an example for explanation.
  • the prepaid service is an intelligent network service based on the IS826 standard.
  • the user establishes an account in the system by paying a certain amount of money in advance or buying a card with a fixed denomination (such as a recharge card), and injects a certain amount of money as his own call charge.
  • the system decides to accept or reject the call based on the balance on the user's account. Real-time billing during the call and deducting the call charges from the user account to prepay for calls and other services.
  • the call is disconnected and the corresponding recorded announcement is played.
  • a primary object of the present invention is to provide a mobile tariff credit apparatus and method to solve at least one of the above problems.
  • a mobile premium credit apparatus comprising: a receiving module, configured to receive a loan request message from a user terminal; and a determining module configured to determine a loan amount of the user terminal according to the loan request message; The module is configured to recharge the payment service of the user terminal by using the loan amount as the recharge amount.
  • the determining module is further configured to determine a credit level of the user terminal, and determine a loanable amount of the user terminal according to the credit level; the device further includes: a comparison module, configured to compare the loan amount and the loanable amount, and the loan When the amount is not greater than the loanable amount, the notification execution module uses the loan amount as the recharge amount to recharge the payment service of the user terminal.
  • the above device further includes: a credit rating adjustment module configured to adjust the credit rating according to the preset condition.
  • the receiving module is further configured to receive the repayment and/or recharging information of the user terminal; the determining module is further configured to determine the repayment and/or recharging amount according to the repayment and/or recharging information; and the executing module is further configured to be based on the repayment and / or recharge amount for the repayment and / or recharge operation of the payment service of the user terminal.
  • the determining module is further configured to: when the payment service of the user terminal has arrears, the notification execution module performs a repayment operation for the payment service of the user terminal by subtracting the amount corresponding to the arrears amount from the recharge amount.
  • the receiving module is further configured to receive the query request information of the user terminal.
  • the device further includes: a query module, configured to query the loanable amount of the user terminal or the current repayment amount according to the query request information.
  • a mobile tariff method comprising: a mobile tariff credit device receiving a loan request message from a user terminal, and determining a loan amount of the user terminal according to the loan request message; the mobile tariff credit device The loan amount is used as a recharge amount to recharge the payment service of the user terminal.
  • the mobile tariff credit device replenishing the payment service of the user terminal by using the loan amount as the refill amount includes: the mobile tariff credit device determines the credit rating of the user terminal, and determines the loanable amount of the user terminal according to the credit rating; the mobile tariff credit device compares the loan The amount and the amount of the loanable amount, and when the loan amount is not greater than the loanable amount, the loan amount is used as the recharge amount to recharge the payment service of the user terminal.
  • the above method further includes: the mobile tariff credit device adjusts the credit rating according to a preset condition.
  • the method further includes: the mobile tariff credit device receiving the repayment and/or refill information of the user terminal, and determining the repayment and/or recharge amount according to the refill information; the mobile debit credit device is the user terminal according to the repayment and/or the recharge amount The paid service performs repayment and/or refilling operations.
  • the method further includes: when the mobile credit device determines that the payment service of the user terminal has arrears, the deduction of the amount corresponding to the arrears amount from the recharge amount is performed for the payment service of the user terminal. Operation.
  • the method further includes: the mobile tariff credit device receiving the query request information of the user terminal, and querying the loanable amount or the current repayment amount of the user terminal according to the query request information.
  • FIG. 1 is a block diagram showing the structure of a mobile credit facility according to an embodiment of the present invention
  • FIG. 2 is a schematic diagram showing the structure of a mobile credit facility according to a preferred embodiment of the present invention
  • FIG. 4 is a schematic diagram of a process of adjusting a credit rating according to an embodiment of the present invention
  • FIG. 5 is a schematic diagram of a basic signaling flow of a CDMA network USSD LIKE according to an embodiment of the present invention.
  • the apparatus includes: a receiving module 10 configured to receive a loan request message from a user terminal; and, in a specific application, a class based on a Code Division Multiple Access (CDMA) network Unstructured Supplementary Service Data Like (USSD Like) provides users with a loan access code and system development loan function to support user loans.
  • the determining module 12 is connected to the receiving module 10 and configured to determine the loan amount of the user terminal according to the loan request message.
  • the executing module 14 is connected to the determining module 12 and configured to recharge the payment service of the user terminal by using the loan amount as the refill amount.
  • the above embodiment adopts the technical means for recharging the loan service of the user terminal. Therefore, the user does not have to perform actual recharge or payment, and only needs to recharge the loan in advance, so that the terminal user cannot recharge or pay in time. , can also use the effect of related paid services.
  • the determining module 12 may be further configured to determine a credit rating of the user terminal, and determine a loanable amount of the user terminal according to the credit rating; and the device, as shown in FIG.
  • the method includes: a comparison module 16, connected to the determining module 12, configured to compare the loan amount and the size of the loanable amount, and when the loan amount is not greater than the loanable amount, the notification execution module 14 uses the loan amount as the recharge amount for the payment of the user terminal.
  • the foregoing apparatus may further include: a credit rating adjustment module 18 configured to adjust a credit rating according to a preset condition. In this way, the end user can be effectively motivated to make a good loan.
  • the receiving module 10 is further configured to receive the repayment and/or recharging information of the user terminal; the determining module 12 is further configured to determine the repayment and/or recharging amount according to the repayment and/or recharging information; The module 14 is further configured to perform a repayment and/or refill operation for the payment service of the user terminal based on the repayment and/or recharge amount.
  • the repayment or refill operation can be performed through specific access code information.
  • the determining module 12 may further be configured to determine that when the payment service of the user terminal has arrears, the notification execution module 14 subtracts the amount corresponding to the arrears amount from the refill amount into the user terminal. The payment service performs repayment operations.
  • the receiving module 10 is further configured to receive the query request information of the user terminal.
  • the device may further include: the querying module 20, configured to query the loanable amount or current of the user terminal according to the query request information. The amount to be repaid. In this way, the end user can be made aware of the amount of loan available and the amount of repayment required.
  • 3 is a flow chart of a mobile tariff method in accordance with an alternate embodiment of the present invention. As shown in FIG. 3, the method includes: Step S302, the mobile credit card device receives the loan request message from the user terminal, and determines the loan amount of the user terminal according to the loan request message.
  • Step S304 the mobile credit card device recharges the payment service of the user terminal by using the loan amount as the refill amount.
  • the charging service of the user terminal can be recharged by using the loan, which can effectively solve the problem that the terminal user cannot perform the recharging in time and affect the normal use of the related service.
  • the mobile tariff credit device charging the payment amount as the refill amount for the payment service of the user terminal may include the following process: the mobile tariff credit device determines the credit rating of the user terminal, and determines the user terminal according to the credit rating.
  • the loan amount; the mobile tariff credit device compares the loan amount and the loanable amount, and when the loan amount is not greater than the loanable amount, the loan amount is used as the recharge amount to recharge the payment service of the user terminal.
  • the loan amount can be determined according to the credit rating of the user terminal, which can effectively reduce the loss caused by the user's non-performing loan behavior.
  • the method may further include: the mobile tariff credit device adjusts the credit rating according to preset conditions. . In practical applications, the processing procedure shown in FIG. 4 can be used to adjust the credit level of the user terminal.
  • Step S401 whether the user who has applied for the loan reaches the credit risk processing time, if yes, proceeds to step S402, if not, proceeds to step S403; step S402, determines whether the user's outstanding loan (including interest) is greater than Z, and if so, Go to step S403, if no, go to step S404; Step S403, directly enter the loan blacklist, go to step S409; Step S404, the user reaches the credit rating adjustment time, if yes, then proceeds to S405, and if not, then proceeds to step S409; Step S405, it is determined whether the user's outstanding loan (including interest) is greater than Y, if yes, then proceeds to step S406, and if not, proceeds to step S407; step S406, the user's credit rating is lowered by one step, step S409; In step S407, it is determined whether the loan of the user is greater than X.
  • step S408 the credit level of the user is upgraded to step S409, and step S409 is ended.
  • the method further includes: the mobile tariff credit device receiving the repayment and/or recharge information of the user terminal, and determining the repayment and/or recharge amount according to the recharge information; the mobile credit device is based on repayment and/or The recharge amount is a repayment and/or refill operation for the payment service of the user terminal.
  • the method may further include: when the mobile credit device determines that the payment service of the user terminal has arrears, the amount corresponding to the amount of the arrears is deducted from the recharge amount to perform the payment service of the user terminal.
  • the foregoing method may further include: the mobile tariff credit device receiving the query request information of the user terminal, and querying the loanable amount or the current repayment amount of the user terminal according to the query request information.
  • the USSD Like inquiry process for the loanable application quota and the current repayment amount may be adopted, wherein the inquiry loan can apply for the quota process, as follows: Step 1, the user dials the inquiry loan to apply for the quota access code, such as * 333, where *333 is the enrollment loan can apply for the quota access code.
  • Step 2 The mobile tariff credit device extracts the access code of the user, and determines that the operation is an operation for querying the loan.
  • Step 3 The mobile tariff credit device determines whether the status of the user is normal. If not, the short message reminds the user that: the status of the card is abnormal, please contact customer service. If yes, proceed to step 4.
  • Step 4 The mobile tariff credit device determines whether the user enters the blacklist of the loan, and if so, the short message reminds the user that you have entered the blacklist of the loan. If no, go to step 5.
  • Step 5 The mobile tariff credit device queries the current loanable amount of the user: the maximum loanable amount of the user's current credit level minus the amount that the user has already loaned.
  • Example 1 This example provides a credit method for user loans, repayments, and user credit ratings based on user credit conditions based on the USSD Like method. See Figure 5 for the basic signaling flow for USSD Like.
  • SMPP-Short Message Peer to Peer short message peer-to-peer protocol
  • 0RREQ- Origination-Attempt-Authorized initial authentication
  • ORREQRes ⁇ Origination—Attempt—Authorized Response, initial authentication response
  • SCP Service Control Point, service Control Point
  • MSC Mobile Switching Center, Mobile Switching Center
  • SMSC Short Message Service Center, Short Message Center
  • the user is provided with a loan access code, mobile credit
  • the device develops a loan function to support user loans.
  • the mobile tariff credit device can set the credit rating, different credit ratings, different loan quotas, the higher the credit rating, the greater the loan amount, and the mobile tariff credit device tracks the credit status of the user. Setting rules, if the credit situation is good and the rules for raising the credit rating are met, the mobile tariff credit device raises the credit rating of the user, and the user's loan amount increases.
  • the mobile tariff credit device lowers the user's credit.
  • the credit rating, the user's loan amount is reduced, and for users with poor credit conditions, the mobile credit facility can insert it into the blacklist of loans and prohibit loans.
  • the current USSD Like can be used to conveniently provide loans and repayments to users. And through the task to monitor the user's credit situation, based on this, adjust the user's credit rating, indirectly adjust the user's loan quota, for users with poor credit status, they can be credited to the loan blacklist, prohibiting loans, calls, etc.
  • Example 2 This example is based on the USSD Like method, which provides user loans, repayments, and methods for adjusting user credit ratings based on user credit conditions.
  • Access code The number that the user wants to perform some kind of operation, usually starting with *.
  • the operation type is that the mobile tariff credit device has been set, for example: 1, loan operation; 2, repayment operation; 3, inquiry loan can apply for the amount; 4, query the current amount to be repaid.
  • the access code can be configured on the interface, and the correspondence between the access code and the operation type is also determined. For example, *111 is the loan access code, *222 is the repayment access code, *333 is the access code for querying the loan application status, and *444 is the access code for querying the current loan repayment.
  • Credit Rating An indicator that identifies the user's current maximum loan amount. The minimum credit rating is 1, which means credit risk users.
  • the credit rating is configured at the system level.
  • Interest-free period After the user loans, within a certain number of days, no interest will be generated, but if the number of days is exceeded, the interest will be calculated. This is the user's interest-free period.
  • the interest-free period configuration is a system level configuration.
  • Interest management After the user loans, if the interest-free period is exceeded, interest will be generated. The interest can be calculated on a per-profit basis or on a compound basis.
  • the mobile tariff credit device calculates the interest daily, and then obtains the daily repayment amount of the user.
  • the configuration of the interest mode and the configuration of interest are system level configurations.
  • the business process of the loan Step 1, the user dials the loan access code, such as *111 or * 111*10, where *111 is the loan access code.
  • Step 2 The mobile tariff credit device extracts the access code of the user, determines that the operation is a loan operation, and if the amount is carried later, the loan amount of the user, if not carried, the user's loan amount is regarded as the current credit rating of the user. The maximum loan amount minus the amount the user has already loaned.
  • Step 3 The mobile tariff credit device determines whether the user enters the blacklist of the loan, and if so, the short message reminds the user that you have entered the blacklist of the loan. If no, go to step 4.
  • Step 4 Determine whether the status of the user is normal (if the user status is a recharge period, it is also considered to be a normal state.
  • Step 5 Determine whether the loan amount applied by the user is greater than the maximum loan amount of the user's current credit rating minus the amount of the user's loan, and if so, the SMS reminds the user that the credit limit has reached the upper limit. If no, go to 6.
  • Step 6 the user is loaned, and the SMS reminds the user: You have successfully loaned XX yuan, the current available balance is XX yuan, and the interest-free period is XXXX.
  • the repayment business process is divided into two types: the user applies for repayment through USSD Like; the user recharges the automatic repayment (as long as the user recharges, first check whether the user has loans and interest, if any, first interest and loan) , the remaining amount is recharged). For users with good credit status, they can repay their own money through USSD Like, but for other users, the operator can adjust to recharge automatic repayment, which reduces the risk to some extent.
  • Step 1 the user dials the repayment access code, such as *222 or *222*10, where *222 is the repayment access code, and 10 is the amount of the user applying for repayment.
  • Step 2 The mobile tariff credit device extracts the access code of the user, determines that the operation is a repayment operation, and if the amount is carried later, the amount of the user's application for repayment, if not, the user is considered to apply for repayment. The amount is the loan that the user has applied for and the interest generated (interest is calculated daily by the task).
  • Step 3 The mobile tariff credit device determines whether the status of the user is normal. If not, the short message reminds the user that: the status of the card is abnormal, please contact customer service.
  • Step 4 Determine whether the amount of the user's application for repayment is greater than the loan that the user has applied for and the interest generated. If yes, the SMS reminds the user: Your loan amount is XX yuan, and the repayment amount you entered is greater than the loan you have applied for. Re-enter the repayment amount for repayment. If no, go to step 5.
  • Step 5 Determine whether the balance of the user account is less than the amount of the user's application for repayment. If yes, the SMS reminds the user: Your balance is XX yuan, which is insufficient to repay the repayment amount. Please re-enter and repay part of the loan. If no, go to step 6. Step 6.
  • the SMS reminds the user: You have successfully repaid the loan XX yuan, and the remaining repayment amount is XX yuan.
  • the above method is loosely coupled with the prepaid service, that is, the above method can be easily transplanted to the prepaid service of the G network, and can even be used for other postpaid services. You only need to change the access method of user loans, repayments, etc. from USSD Like to Unstructured Supplementary Service Data (USSD), and then make some simple adjustments to migrate to global mobile communications ( Global system for Mobile Communication, referred to as GSM) network prepaid service.
  • GSM Global system for Mobile Communication
  • the present invention can provide convenience to the user when the user needs to recharge and is inconvenient to recharge.
  • the present invention achieves the following technical effects:
  • the technical means for recharging the payment service of the user terminal is adopted, which solves the problem that the terminal user can not recharge or pay in time, affecting the normal use of the terminal user, and the terminal user can not be timely.
  • the effect of the related paid service can also be used normally.
  • the above modules or steps of the present invention can be implemented by a general-purpose computing device, which can be concentrated on a single computing device or distributed over a network composed of multiple computing devices.
  • the computing device may be implemented by program code executable by the computing device, such that they may be stored in the storage device by the computing device and, in some cases, may be different from the order herein.
  • the steps shown or described are performed, or they are separately fabricated into individual integrated circuit modules, or a plurality of modules or steps are fabricated as a single integrated circuit module.
  • the invention is not limited to any specific combination of hardware and software.
  • the above is only the preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes can be made to the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and scope of the present invention are intended to be included within the scope of the present invention.

Abstract

The present invention provides a device and method for mobile tariff credit. The device comprises: a receiving module, set to receive a load request message from a user terminal; a determining module, set to determine a load amount of the user terminal according to the load request message; and an executing module, set to recharge for paid services of the user terminal by using the load amount as the recharge amount. With the technical solutions provided in the present invention, the problem in the art that normal use of the terminal user is affected when the terminal user cannot recharge or pay in time is solved, so as to achieve the effect that relevant paid services can still be normally used even if the terminal user cannot recharge or pay in time.

Description

移动资费信贷装置及方法 技术领域 本发明涉及通信领域, 具体而言, 涉及一种移动资费信贷装置及方法。 背景技术 随着通信业务的不断发展,固话或移动通信的后付费业务或预付费业务增长迅速, 对于某些用户来说, 比如工作繁忙, 没时间充值的用户, 比如蒙古牧民, 他们在外如 果余额不足时, 可能一时没办法买充值卡充值或缴费, 又找不到营业厅充值或缴费。 因此, 对于这些用户, 如果余额不足或不能按时缴费, 可能会影响用户的使用。 这样 情况, 对于预付费业务更加突出。 以下以预付费业务为例, 进行说明。 预付费业务是 基于 IS826标准的智能网业务。 用户通过预先交纳一定数目的金额或买固定面值的卡 (如充值卡) 等方式, 在系统中建立帐户, 注入一定的资金, 作为自己的通话费用。 在呼叫建立时, 系统根据用户帐户上的余额决定接受或拒绝呼叫。 在呼叫过程中进行 实时计费并从用户帐户上扣除通话费用,实现为其呼叫和使用其它业务预先支付费用。 当用户余额不足时, 切断呼叫并播放相应的录音通知。 相对于后付费业务, 预付费业 务提供了一套成熟的移动用户计费和管理机制; 且运营商要求用户先交费后消费, 降 低了运营商的风险; 另外充值卡模式实现了交易的便利等优点。 因此, 预付费业务受 到很多运营商的青睐。 但正如上面所述, 当用户没有时间或不方便对预付费业务及时 进行充值时, 这样会影响用户的正常使用。 针对相关技术中的上述问题, 目前尚未提出有效的解决方案。 发明内容 本发明的主要目的在于提供一种移动资费信贷装置及方法, 以解决上述问题至少 之一。 根据本发明的一个方面, 提供了一种移动资费信贷装置, 包括: 接收模块, 设置 为接收来自于用户终端的贷款请求消息; 确定模块, 设置为根据贷款请求消息确定用 户终端的贷款金额; 执行模块, 设置为将贷款金额作为充值金额为用户终端的付费业 务进行充值。 上述确定模块, 还设置为确定用户终端的信用等级, 以及根据信用等级确定用户 终端的可贷款金额; 上述装置, 还包括: 比较模块, 设置为比较贷款金额和可贷款金额的大小, 以及 在贷款金额不大于可贷款金额时, 通知执行模块将贷款金额作为充值金额为用户终端 的付费业务进行充值。 上述装置还包括: 信用等级调整模块, 设置为根据预设条件调整信用等级。 接收模块, 还设置为接收用户终端的还款和 /或充值信息; 确定模块, 还设置为根据还款和 /充值信息确定还款和 /或充值金额; 执行模块, 还设置为根据还款和 /或充值金额为用户终端的付费业务进行还款和 / 或充值操作。 上述确定模块, 还设置为确定在用户终端的付费业务有欠款时, 通知执行模块将 从充值金额中扣除得到的与欠费金额对应的金额为用户终端的付费业务进行还款操 作。 上述接收模块, 还设置为接收用户终端的查询请求信息; 上述装置, 还包括: 查 询模块, 设置为根据查询请求信息查询用户终端的可贷款额度或当前需偿还金额。 根据本发明的另一方面, 提供了一种移动资费信贷方法, 包括: 移动资费信贷装 置接收来自于用户终端的贷款请求消息, 并根据贷款请求消息确定用户终端的贷款金 额; 移动资费信贷装置将贷款金额作为充值金额为用户终端的付费业务进行充值。 上述移动资费信贷装置将贷款金额作为充值金额为用户终端的付费业务进行充值 包括: 移动资费信贷装置确定用户终端的信用等级, 以及根据信用等级确定用户终端 的可贷款金额; 移动资费信贷装置比较贷款金额和可贷款金额的大小, 以及在贷款金 额不大于可贷款金额时, 将贷款金额作为充值金额为用户终端的付费业务进行充值。 上述方法还包括: 移动资费信贷装置根据预设条件调整信用等级。 上述方法还包括: 移动资费信贷装置接收用户终端的还款和 /或充值信息, 以及根 据充值信息确定还款和 /或充值金额;移动资费信贷装置根据还款和 /或充值金额为用户 终端的付费业务进行还款和 /或充值操作。 在根据充值信息确定充值金额之后, 还包括: 移动资费信贷装置确定在用户终端 的付费业务有欠款时, 将从充值金额中扣除得到与欠费金额对应的金额为用户终端的 付费业务进行还款操作。 上述方法还包括: 移动资费信贷装置接收用户终端的查询请求信息, 以及根据查 询请求信息查询用户终端的可贷款额度或当前需偿还金额。 通过本发明, 采用对用户终端的付费业务进行贷款充值的技术手段, 解决了相关 技术中, 终端用户不能及时充值或缴费时, 影响终端用户的正常使用等问题, 进而达 到了终端用户在不能及时充值或缴费的情况下, 也能正常使用相关付费业务的效果。 附图说明 此处所说明的附图用来提供对本发明的进一步理解, 构成本申请的一部分, 本发 明的示意性实施例及其说明用于解释本发明, 并不构成对本发明的不当限定。 在附图 中: 图 1为根据本发明实施例的移动资费信贷装置的结构框图; 图 2为根据本发明优选实施例的移动资费信贷装置的结构示意图; 图 3为根据本发明实施例的移动资费信贷方法流程图; 图 4为根据本发明具体实例的信用等级的调整流程示意图; 图 5为根据本发明具体实例的 CDMA网 USSD LIKE的基本信令流程示意图。 具体实施方式 下文中将参考附图并结合实施例来详细说明本发明。 需要说明的是, 在不冲突的 情况下, 本申请中的实施例及实施例中的特征可以相互组合。 图 1为根据本发明实施例的移动资费信贷装置的结构框图。 如图 1所示, 该装置 包括: 接收模块 10, 设置为接收来自于用户终端的贷款请求消息; 在具体应用时, 可以 基于码分多址 (Code Division Multiple Access, 简称为 CDMA) 网络的类非结构化补 充数据业务(Unstructured Supplementary Service Data Like, 简称为 USSD Like), 提供 给用户一个贷款接入码, 系统开发贷款功能, 以此来支持用户贷款。 确定模块 12, 与接收模块 10相连, 设置为根据贷款请求消息确定用户终端的贷 款金额; 执行模块 14, 与确定模块 12相连, 设置为将贷款金额作为充值金额为用户终端 的付费业务进行充值。 上述实施例由于采用对用户终端的付费业务进行贷款充值的技术手段, 因此, 用 户可以不必进行实际充值或缴费, 只需预先贷款充值即可, 达到了终端用户在不能及 时充值或缴费的情况下, 也能正常使用相关付费业务的效果。 在本发明的一个优选实施过程中, 上述确定模块 12, 还可以设置为确定用户终端 的信用等级, 以及根据信用等级确定用户终端的可贷款金额; 则上述装置, 如图 2所 示, 还可以包括: 比较模块 16, 与确定模块 12相连, 设置为比较贷款金额和可贷款 金额的大小, 以及在贷款金额不大于可贷款金额时,通知执行模块 14将贷款金额作为 充值金额为用户终端的付费业务进行充值。 这样, 便可以根据用户终端的信用等级确 定贷款金额, 可以有效减少用户的不良贷款行为所带来的损失。 如图 2所示, 上述装置还可以包括: 信用等级调整模块 18, 设置为根据预设条件 调整信用等级。 这样, 可以有效激励终端用户进行良性贷款。 在具体应用过程中,上述接收模块 10,还设置为接收用户终端的还款和 /或充值信 息; 确定模块 12, 还设置为根据还款和 /充值信息确定还款和 /或充值金额; 执行模块 14, 还设置为根据还款和 /或充值金额为用户终端的付费业务进行还款和 /或充值操作。 在实际应用时, 可以通过特定的接入码信息进行还款或充值操作。 在具体应用过程中, 上述确定模块 12, 还可以设置为确定在用户终端的付费业务 有欠款时,通知执行模块 14将从充值金额中扣除得到的与欠费金额对应的金额为用户 终端的付费业务进行还款操作。 这样, 可以有效减少运营商由于终端用户不能及时还 款所带来的损失。 在具体应用过程中, 上述接收模块 10, 还设置为接收用户终端的查询请求信息; 则上述装置, 还可以包括: 查询模块 20, 设置为根据上述查询请求信息查询用户终端 的可贷款额度或当前需偿还金额。 这样, 可以使终端用户及时了解自己可贷款额度和 需要还款的金额。 图 3为根据本发明选实施例的移动资费信贷方法流程图。 如图 3所示, 该方法包 括: 步骤 S302, 移动资费信贷装置接收来自于用户终端的贷款请求消息, 并根据贷款 请求消息确定用户终端的贷款金额; 步骤 S304,移动资费信贷装置将贷款金额作为充值金额为用户终端的付费业务进 行充值。 由此可见, 上述实施例由于可以利用贷款对用户终端的付费业务进行充值, 可以 有效解决终端用户不能及时进行充值而导致影响正常使用相关业务的问题。 在具体应用时, 上述移动资费信贷装置将贷款金额作为充值金额为用户终端的付 费业务进行充值可以包括以下处理过程:移动资费信贷装置确定用户终端的信用等级, 以及根据信用等级确定用户终端的可贷款金额; 移动资费信贷装置比较贷款金额和可 贷款金额的大小, 以及在贷款金额不大于可贷款金额时, 将贷款金额作为充值金额为 用户终端的付费业务进行充值。这样,便可以根据用户终端的信用等级确定贷款金额, 可以有效减少用户的不良贷款行为所带来的损失 在具体应用过程中, 上述方法还可以包括: 移动资费信贷装置根据预设条件调整 信用等级。在实际应用时,可以采用如图 4所示的处理过程调整用户终端的信用等级。 具体如下: 首先, 为更好地理解以下调整流程, 在介绍信用等级的调整流程之前, 先 明确几个概念: 检查用户是否进入贷款黑名单的周期; 调整用户的信用等级的周期; X: 用户信用等级升级需要达到的贷款点数 (金额); Y: 用户信用等级降级需要达到 的欠款点数 (金额); Z: 用户进入贷款黑名单需要达到的欠款点数 (金额)。 步骤 S401 , 申请过贷款的用户是否到达信用风险处理时间, 若是, 则进入步骤 S402, 若否, 则进入步骤 S403 ; 步骤 S402,判断用户的未偿还贷款(包括利息)是否大于 Z,若是,则转步骤 S403 , 若否, 则进入步骤 S404; 步骤 S403 , 直接进入贷款黑名单, 转步骤 S409; 步骤 S404, 用户是否到达信用等级调整时间, 若是, 则进入 S405 , 若否, 则转 步骤 S409; 步骤 S405 ,判断用户的未偿还贷款 (包括利息)是否大于 Y,若是则进入步骤 S406, 若否, 则进入步骤 S407; 步骤 S406, 用户的信用等级降一级, 转步骤 S409; 步骤 S407, 判断用户的贷款是否大于 X, 若是, 转步骤 S408, 若否, 则转步骤 S409; 步骤 S408, 用户的信用等级升一级, 转步骤 S409; 步骤 S409, 结束。 在具体应用过程中, 上述方法还包括: 移动资费信贷装置接收用户终端的还款和 / 或充值信息, 以及根据充值信息确定还款和 /或充值金额; 移动资费信贷装置根据还款 和 /或充值金额为用户终端的付费业务进行还款和 /或充值操作。 在具体应用过程中, 上述方法还可以包括: 移动资费信贷装置确定在用户终端的 付费业务有欠款时, 将从充值金额中扣除得到与欠费金额对应的金额为用户终端的付 费业务进行还款操作。 上述处理过程可以在根据充值信息确定充值金额之后进行。 在具体应用过程中, 上述方法还可以包括: 移动资费信贷装置接收用户终端的查 询请求信息, 以及根据查询请求信息查询用户终端的可贷款额度或当前需偿还金额。 在具体实施时, 可以采用贷款可申请额度和当前需偿还金额的 USSD Like查询流程, 其中, 查询贷款可申请额度流程, 具体如下: 步骤 1, 用户拨打查询贷款可申请额度接入码, 比如 *333, 其中 *333为查询贷款 可申请额度接入码。 步骤 2, 移动资费信贷装置提取用户的接入码, 确定本次操作为查询贷款可申请 额度操作。 步骤 3, 移动资费信贷装置判断用户的状态是否正常, 若否, 则短信提醒用户: 您卡状态不正常, 请与客服联系。 若是, 则进入步骤 4。 步骤 4, 移动资费信贷装置判断用户是否进入贷款黑名单, 若是, 则短信提醒用 户: 您已进入贷款黑名单。 若否, 则进入步骤 5。 步骤 5, 移动资费信贷装置查询用户的当前可申请贷款额度: 用户当前所处信用 级别的最大可贷款额度减去用户已经贷款的金额。 并且短信提醒用户: 您当前已贷款 XX元, 剩余可申请贷款额度是 XX元, 您可拨打 * 111申请贷款。 查询当前需偿还金额的流程和查询贷款可申请额度的流程类似, 此处不再赘述。 为了更好地理解上述实施例, 以下结合相关具体实例详细说明。 实例 1 本实例提供了一种基于 USSD Like方式的用户贷款、 还款和根据用户信用情况调 整用户信用等级的信贷方法。关于 USSD Like的基本信令流程可以参见图 5。 图 5中, SMPP 一 Short Message Peer to Peer, 短消 息点对点协议; 0RREQ— Origination— Attempt—Authorized , 初 始 鉴 权 ; ORREQRes ― Origination—Attempt—Authorized Response, 初始鉴权响应; SCP— Service Control Point, 业务控制点; MSC—Mobile Switching Center, 移动交换中心; SMSC— Short Message Service Center, 短消息中心; 本实例中, 鉴于现在 C网 USSD Like的蓬勃发展, 提供给用户一个贷款接入码, 移动资费信贷装置开发贷款功能, 以此来支持用户贷款。 本实例中, 针对用户还款, 可以提供两种方式, 一种是提供还款接入码, 用户拨 打接入码且通过 USSD Like进行还款, 另一种是用户充值自动还款, 用户可根据自身 情况选择一种进行还款, 运营商可根据用户的信用情况, 调整用户的还款方式。 本实例中, 对于用户贷款额度问题, 移动资费信贷装置可以设置信用等级, 不同 的信用等级, 贷款额度不同, 信用等级越高, 可贷款额度越大, 并且移动资费信贷装 置跟踪用户的信用情况, 设置规则, 若信用情况良好, 且满足信用等级上调的规则, 则移动资费信贷装置上调用户的信用等级, 用户的可贷款额度增加, 若用户的信用情 况比较差, 则移动资费信贷装置下调用户的信用等级, 用户的可贷款额度减少, 对于 信用情况恶劣的用户, 移动资费信贷装置可将其打入贷款黑名单, 禁止贷款。 本实例, 可以利用现在的 USSD Like方便的给用户提供贷款和还款。 并且通过任 务监控用户的信用情况, 以此为基础, 调整用户的信用等级, 间接调整用户的贷款额 度, 对于信用情况很差的用户, 可以将其打入贷款黑名单, 禁止贷款、 呼叫等。 实例 2 本实例基于 USSD Like方式, 提供用户贷款、 还款和根据用户信用情况调整用户 信用等级的方法。 在说明用户贷款、 还款流程之前, 先明确几个概念: 接入码: 用户所拨的希望进行某种操作的号码, 一般以 *开头。操作类型是移动资 费信贷装置已经定好的, 比如: 1, 贷款操作; 2, 还款操作; 3, 查询贷款可申请额度; 4, 查询当前需偿还的金额。 接入码可以在界面配置, 接入码和操作类型的对应关系随之也被确定。 比如 *111 为贷款接入码, *222为还款接入码, *333为查询贷款可申请情况的接入码, *444为 查询当前需偿还贷款的接入码。 信用等级: 标识用户当前最大可贷款额度的指标。 信用级别最小为 1, 表示信用 风险用户, 若用户处于此级别, 则相当于用户进入了贷款黑名单, 其最大可贷款额度 为 0。 信用级别越高表示用户最大可贷款额度越大。 信用等级的配置为系统级配置。 免息期: 用户贷款之后, 在一定天数之内, 是不会产生利息的, 但若超过这个天 数, 则开始计算利息, 此天数即为用户的免息期。 免息期的配置为系统级的配置。 利息管理: 用户贷款之后, 超过免息期, 则产生利息, 利息可以按单利也可以按 复利计算, 移动资费信贷装置每日计算利息, 进而得到用户每日的待偿还金额。 利息 模式的配置以及利息的配置为系统级配置。 贷款的业务流程: 步骤 1, 用户拨打贷款接入码, 比如 *111或者 * 111*10, 其中 *111为贷款接入码,TECHNICAL FIELD The present invention relates to the field of communications, and in particular to a mobile tariff credit apparatus and method. BACKGROUND With the continuous development of communication services, post-paid services or pre-paid services of fixed-line or mobile communications are growing rapidly. For some users, such as busy users, users who do not have time to recharge, such as Mongolian herders, if they are outside When the balance is insufficient, there may be no way to recharge or pay the recharge card, and there is no way to recharge or pay the business hall. Therefore, for these users, if the balance is insufficient or cannot be paid on time, it may affect the user's use. In this case, the prepaid service is more prominent. The following takes the prepaid service as an example for explanation. The prepaid service is an intelligent network service based on the IS826 standard. The user establishes an account in the system by paying a certain amount of money in advance or buying a card with a fixed denomination (such as a recharge card), and injects a certain amount of money as his own call charge. When a call is established, the system decides to accept or reject the call based on the balance on the user's account. Real-time billing during the call and deducting the call charges from the user account to prepay for calls and other services. When the user's balance is insufficient, the call is disconnected and the corresponding recorded announcement is played. Compared with the post-paid service, the pre-paid service provides a mature mobile subscriber billing and management mechanism; and the operator requires the user to pay the fee first, which reduces the operator's risk; and the recharge card mode realizes the convenience of the transaction. Etc. Therefore, prepaid services are favored by many operators. However, as described above, when the user does not have time or inconvenience to recharge the prepaid service in time, this will affect the normal use of the user. In view of the above problems in the related art, an effective solution has not yet been proposed. SUMMARY OF THE INVENTION A primary object of the present invention is to provide a mobile tariff credit apparatus and method to solve at least one of the above problems. According to an aspect of the present invention, a mobile premium credit apparatus is provided, comprising: a receiving module, configured to receive a loan request message from a user terminal; and a determining module configured to determine a loan amount of the user terminal according to the loan request message; The module is configured to recharge the payment service of the user terminal by using the loan amount as the recharge amount. The determining module is further configured to determine a credit level of the user terminal, and determine a loanable amount of the user terminal according to the credit level; the device further includes: a comparison module, configured to compare the loan amount and the loanable amount, and the loan When the amount is not greater than the loanable amount, the notification execution module uses the loan amount as the recharge amount to recharge the payment service of the user terminal. The above device further includes: a credit rating adjustment module configured to adjust the credit rating according to the preset condition. The receiving module is further configured to receive the repayment and/or recharging information of the user terminal; the determining module is further configured to determine the repayment and/or recharging amount according to the repayment and/or recharging information; and the executing module is further configured to be based on the repayment and / or recharge amount for the repayment and / or recharge operation of the payment service of the user terminal. The determining module is further configured to: when the payment service of the user terminal has arrears, the notification execution module performs a repayment operation for the payment service of the user terminal by subtracting the amount corresponding to the arrears amount from the recharge amount. The receiving module is further configured to receive the query request information of the user terminal. The device further includes: a query module, configured to query the loanable amount of the user terminal or the current repayment amount according to the query request information. According to another aspect of the present invention, a mobile tariff method is provided, comprising: a mobile tariff credit device receiving a loan request message from a user terminal, and determining a loan amount of the user terminal according to the loan request message; the mobile tariff credit device The loan amount is used as a recharge amount to recharge the payment service of the user terminal. The mobile tariff credit device replenishing the payment service of the user terminal by using the loan amount as the refill amount includes: the mobile tariff credit device determines the credit rating of the user terminal, and determines the loanable amount of the user terminal according to the credit rating; the mobile tariff credit device compares the loan The amount and the amount of the loanable amount, and when the loan amount is not greater than the loanable amount, the loan amount is used as the recharge amount to recharge the payment service of the user terminal. The above method further includes: the mobile tariff credit device adjusts the credit rating according to a preset condition. The method further includes: the mobile tariff credit device receiving the repayment and/or refill information of the user terminal, and determining the repayment and/or recharge amount according to the refill information; the mobile debit credit device is the user terminal according to the repayment and/or the recharge amount The paid service performs repayment and/or refilling operations. After determining the recharge amount according to the refill information, the method further includes: when the mobile credit device determines that the payment service of the user terminal has arrears, the deduction of the amount corresponding to the arrears amount from the recharge amount is performed for the payment service of the user terminal. Operation. The method further includes: the mobile tariff credit device receiving the query request information of the user terminal, and querying the loanable amount or the current repayment amount of the user terminal according to the query request information. Through the invention, the technical means for recharging the payment service of the user terminal is adopted, which solves the problem that the terminal user can not recharge or pay in time, affecting the normal use of the terminal user, and the terminal user can not be timely. In the case of recharging or paying, the effect of the related paid service can also be used normally. BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are set to illustrate,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing the structure of a mobile credit facility according to an embodiment of the present invention; FIG. 2 is a schematic diagram showing the structure of a mobile credit facility according to a preferred embodiment of the present invention; FIG. 4 is a schematic diagram of a process of adjusting a credit rating according to an embodiment of the present invention; FIG. 5 is a schematic diagram of a basic signaling flow of a CDMA network USSD LIKE according to an embodiment of the present invention. BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. It should be noted that the embodiments in the present application and the features in the embodiments may be combined with each other without conflict. 1 is a block diagram showing the structure of a mobile tariff credit apparatus according to an embodiment of the present invention. As shown in FIG. 1, the apparatus includes: a receiving module 10 configured to receive a loan request message from a user terminal; and, in a specific application, a class based on a Code Division Multiple Access (CDMA) network Unstructured Supplementary Service Data Like (USSD Like) provides users with a loan access code and system development loan function to support user loans. The determining module 12 is connected to the receiving module 10 and configured to determine the loan amount of the user terminal according to the loan request message. The executing module 14 is connected to the determining module 12 and configured to recharge the payment service of the user terminal by using the loan amount as the refill amount. The above embodiment adopts the technical means for recharging the loan service of the user terminal. Therefore, the user does not have to perform actual recharge or payment, and only needs to recharge the loan in advance, so that the terminal user cannot recharge or pay in time. , can also use the effect of related paid services. In a preferred implementation of the present invention, the determining module 12 may be further configured to determine a credit rating of the user terminal, and determine a loanable amount of the user terminal according to the credit rating; and the device, as shown in FIG. The method includes: a comparison module 16, connected to the determining module 12, configured to compare the loan amount and the size of the loanable amount, and when the loan amount is not greater than the loanable amount, the notification execution module 14 uses the loan amount as the recharge amount for the payment of the user terminal. The business is recharged. In this way, the loan amount can be determined according to the credit rating of the user terminal, which can effectively reduce the loss caused by the user's non-performing loan behavior. As shown in FIG. 2, the foregoing apparatus may further include: a credit rating adjustment module 18 configured to adjust a credit rating according to a preset condition. In this way, the end user can be effectively motivated to make a good loan. In the specific application process, the receiving module 10 is further configured to receive the repayment and/or recharging information of the user terminal; the determining module 12 is further configured to determine the repayment and/or recharging amount according to the repayment and/or recharging information; The module 14 is further configured to perform a repayment and/or refill operation for the payment service of the user terminal based on the repayment and/or recharge amount. In actual application, the repayment or refill operation can be performed through specific access code information. In the specific application process, the determining module 12 may further be configured to determine that when the payment service of the user terminal has arrears, the notification execution module 14 subtracts the amount corresponding to the arrears amount from the refill amount into the user terminal. The payment service performs repayment operations. In this way, the loss caused by the operator due to the inability of the end user to repay in time can be effectively reduced. In the specific application process, the receiving module 10 is further configured to receive the query request information of the user terminal. The device may further include: the querying module 20, configured to query the loanable amount or current of the user terminal according to the query request information. The amount to be repaid. In this way, the end user can be made aware of the amount of loan available and the amount of repayment required. 3 is a flow chart of a mobile tariff method in accordance with an alternate embodiment of the present invention. As shown in FIG. 3, the method includes: Step S302, the mobile credit card device receives the loan request message from the user terminal, and determines the loan amount of the user terminal according to the loan request message. Step S304, the mobile credit card device recharges the payment service of the user terminal by using the loan amount as the refill amount. . It can be seen that, in the foregoing embodiment, the charging service of the user terminal can be recharged by using the loan, which can effectively solve the problem that the terminal user cannot perform the recharging in time and affect the normal use of the related service. In a specific application, the mobile tariff credit device charging the payment amount as the refill amount for the payment service of the user terminal may include the following process: the mobile tariff credit device determines the credit rating of the user terminal, and determines the user terminal according to the credit rating. The loan amount; the mobile tariff credit device compares the loan amount and the loanable amount, and when the loan amount is not greater than the loanable amount, the loan amount is used as the recharge amount to recharge the payment service of the user terminal. In this way, the loan amount can be determined according to the credit rating of the user terminal, which can effectively reduce the loss caused by the user's non-performing loan behavior. In the specific application process, the method may further include: the mobile tariff credit device adjusts the credit rating according to preset conditions. . In practical applications, the processing procedure shown in FIG. 4 can be used to adjust the credit level of the user terminal. The details are as follows: First, in order to better understand the following adjustment process, before introducing the credit rating adjustment process, first define several concepts: check whether the user enters the blacklist period of the loan; adjust the period of the user's credit rating; X: User The number of loan points (amount) that the credit rating needs to be upgraded; Y: the amount of arrears (amount) that the user credit rating needs to be downgraded; Z: the amount of arrears (amount) that the user needs to reach to enter the blacklist of the loan. Step S401, whether the user who has applied for the loan reaches the credit risk processing time, if yes, proceeds to step S402, if not, proceeds to step S403; step S402, determines whether the user's outstanding loan (including interest) is greater than Z, and if so, Go to step S403, if no, go to step S404; Step S403, directly enter the loan blacklist, go to step S409; Step S404, the user reaches the credit rating adjustment time, if yes, then proceeds to S405, and if not, then proceeds to step S409; Step S405, it is determined whether the user's outstanding loan (including interest) is greater than Y, if yes, then proceeds to step S406, and if not, proceeds to step S407; step S406, the user's credit rating is lowered by one step, step S409; In step S407, it is determined whether the loan of the user is greater than X. If yes, go to step S408, if no, go to step S409; in step S408, the credit level of the user is upgraded to step S409, and step S409 is ended. In a specific application process, the method further includes: the mobile tariff credit device receiving the repayment and/or recharge information of the user terminal, and determining the repayment and/or recharge amount according to the recharge information; the mobile credit device is based on repayment and/or The recharge amount is a repayment and/or refill operation for the payment service of the user terminal. In a specific application process, the method may further include: when the mobile credit device determines that the payment service of the user terminal has arrears, the amount corresponding to the amount of the arrears is deducted from the recharge amount to perform the payment service of the user terminal. Operation. The above processing may be performed after determining the refill amount based on the refill information. In the specific application process, the foregoing method may further include: the mobile tariff credit device receiving the query request information of the user terminal, and querying the loanable amount or the current repayment amount of the user terminal according to the query request information. In the specific implementation, the USSD Like inquiry process for the loanable application quota and the current repayment amount may be adopted, wherein the inquiry loan can apply for the quota process, as follows: Step 1, the user dials the inquiry loan to apply for the quota access code, such as * 333, where *333 is the enrollment loan can apply for the quota access code. Step 2: The mobile tariff credit device extracts the access code of the user, and determines that the operation is an operation for querying the loan. Step 3: The mobile tariff credit device determines whether the status of the user is normal. If not, the short message reminds the user that: the status of the card is abnormal, please contact customer service. If yes, proceed to step 4. Step 4: The mobile tariff credit device determines whether the user enters the blacklist of the loan, and if so, the short message reminds the user that you have entered the blacklist of the loan. If no, go to step 5. Step 5: The mobile tariff credit device queries the current loanable amount of the user: the maximum loanable amount of the user's current credit level minus the amount that the user has already loaned. And SMS reminds the user: You have already loaned XX yuan, the remaining loanable amount is XX yuan, you can call * 111 to apply for a loan. The process of querying the current repayment amount is similar to the process of querying the loanable application quota, and will not be described here. In order to better understand the above embodiments, the following detailed description will be made in conjunction with related specific examples. Example 1 This example provides a credit method for user loans, repayments, and user credit ratings based on user credit conditions based on the USSD Like method. See Figure 5 for the basic signaling flow for USSD Like. In Figure 5, SMPP-Short Message Peer to Peer, short message peer-to-peer protocol; 0RREQ- Origination-Attempt-Authorized, initial authentication; ORREQRes ― Origination—Attempt—Authorized Response, initial authentication response; SCP—Service Control Point, service Control Point; MSC—Mobile Switching Center, Mobile Switching Center; SMSC—Short Message Service Center, Short Message Center; In this example, given the booming development of CSD USSD Like, the user is provided with a loan access code, mobile credit The device develops a loan function to support user loans. In this example, for the user to repay, two methods can be provided, one is to provide a repayment access code, the user dials the access code and repays the payment through USSD Like, and the other is the user recharge automatic repayment, the user can According to the situation, choose a kind of repayment, the operator can adjust the user's repayment method according to the credit situation of the user. In this example, for the user loan quota problem, the mobile tariff credit device can set the credit rating, different credit ratings, different loan quotas, the higher the credit rating, the greater the loan amount, and the mobile tariff credit device tracks the credit status of the user. Setting rules, if the credit situation is good and the rules for raising the credit rating are met, the mobile tariff credit device raises the credit rating of the user, and the user's loan amount increases. If the credit situation of the user is relatively poor, the mobile tariff credit device lowers the user's credit. The credit rating, the user's loan amount is reduced, and for users with poor credit conditions, the mobile credit facility can insert it into the blacklist of loans and prohibit loans. In this example, the current USSD Like can be used to conveniently provide loans and repayments to users. And through the task to monitor the user's credit situation, based on this, adjust the user's credit rating, indirectly adjust the user's loan quota, for users with poor credit status, they can be credited to the loan blacklist, prohibiting loans, calls, etc. Example 2 This example is based on the USSD Like method, which provides user loans, repayments, and methods for adjusting user credit ratings based on user credit conditions. Before describing the user loan and repayment process, clear several concepts: Access code: The number that the user wants to perform some kind of operation, usually starting with *. The operation type is that the mobile tariff credit device has been set, for example: 1, loan operation; 2, repayment operation; 3, inquiry loan can apply for the amount; 4, query the current amount to be repaid. The access code can be configured on the interface, and the correspondence between the access code and the operation type is also determined. For example, *111 is the loan access code, *222 is the repayment access code, *333 is the access code for querying the loan application status, and *444 is the access code for querying the current loan repayment. Credit Rating: An indicator that identifies the user's current maximum loan amount. The minimum credit rating is 1, which means credit risk users. If the user is at this level, the user enters the blacklist of loans, and the maximum loan amount is 0. The higher the credit rating, the greater the maximum loan amount the user can have. The credit rating is configured at the system level. Interest-free period: After the user loans, within a certain number of days, no interest will be generated, but if the number of days is exceeded, the interest will be calculated. This is the user's interest-free period. The interest-free period configuration is a system level configuration. Interest management: After the user loans, if the interest-free period is exceeded, interest will be generated. The interest can be calculated on a per-profit basis or on a compound basis. The mobile tariff credit device calculates the interest daily, and then obtains the daily repayment amount of the user. The configuration of the interest mode and the configuration of interest are system level configurations. The business process of the loan: Step 1, the user dials the loan access code, such as *111 or * 111*10, where *111 is the loan access code.
10为用户申请的贷款金额。 步骤 2, 移动资费信贷装置提取用户的接入码, 确定本次操作为贷款操作, 后面 若携带金额, 则为用户的贷款金额, 若不携带, 则认为用户的贷款金额为用户当前信 用等级的最大可贷款额度减去用户已经贷款的金额。 步骤 3, 移动资费信贷装置判断用户是否进入贷款黑名单, 若是, 则短信提醒用 户: 您已进入贷款黑名单。 若否, 则进入步骤 4。 步骤 4, 判断用户的状态是否正常 (若用户状态为充值期, 也认为是正常的状态, 此时, 用户贷款之后, 还要修改用户的状态为有效期, 这样, 用户立马就可以打电话、 发短信等), 若否, 则短信提醒用户: 您卡状态不正常, 请与客服联系。 若否, 则进入 步骤 5。 步骤 5, 判断用户申请的贷款金额是否大于用户当前信用等级的最大可贷款额度 减去用户已经贷款的金额, 若是, 则短信提醒用户: 信用额度已达上限。 若否, 则进 入 6。 步骤 6, 给用户贷款, 并且短信提醒用户: 您已成功贷款 XX元, 当前可用余额 为 XX元, 免息期到 XXXX。 本实例中, 还款的业务流程分为两种: 用户通过 USSD Like自己申请还款; 用户 充值自动还款 (只要用户充值, 先检查用户是否有贷款和利息, 如果有, 先还利息和 贷款, 剩下的金额再充值)。 对于信用情况良好的用户可以通过 USSD Like自己还款, 但是对于另外的用户,运营商可以调整为充值自动还款,这在一定程度上降低了风险。 通过 USSD Like申请还款的业务流程, 如下: 步骤 1, 用户拨打还款接入码, 比如 *222或者 *222*10, 其中 *222为还款接入码, 10为用户申请还款的金额。 步骤 2, 移动资费信贷装置提取用户的接入码, 确定本次操作为还款操作, 后面 若携带金额, 则为用户申请还款的金额, 若不携带, 则认为用户此次申请还款的金额 为用户已申请的贷款以及产生的利息 (利息由任务每日计算得到)。 步骤 3, 移动资费信贷装置判断用户的状态是否正常, 若否, 则短信提醒用户: 您卡状态不正常, 请与客服联系。 若是, 则进入步骤 4。 步骤 4, 判断用户申请还款的金额是否大于用户已申请的贷款以及产生的利息, 若是, 则短信提醒用户: 您贷款金额为 XX元, 您所输入的还款金额大于已申请的贷 款, 请重新输入还款金额进行还款。 若否, 则进入步骤 5。 步骤 5, 判断用户帐户余额是否小于用户申请还款的金额, 若是, 则短信提醒用 户: 您的余额为 XX元, 不足以偿还输入的还款金额, 请重新输入, 偿还部分贷款。 若否, 则进入步骤 6。 步骤 6, 给用户还款, 并且短信提醒用户: 您已成功偿还贷款 XX元, 剩余还款 金额是 XX元。 可以看出, 上述方法与预付费业务是松耦合的, 即上述方法可以轻松的移植到 G 网的预付费业务, 甚至可以用于其它后付费业务。 只需要把用户贷款、 还款等流程的 接入方式从 USSD Like 变为非结构化补充业务数据 (Unstructured Supplementary Service Data, 简称 USSD), 再做一些简单的调整, 即可移植到全球移动通信 (Global system for Mobile Communication, 简称为 GSM) 网的预付费业务。 虽然, 当用户需要 充值又不方便充值的时候, 本发明能够给用户提供便利。 从以上的描述中, 可以看出, 本发明实现了如下技术效果: 通过本发明, 采用对用户终端的付费业务进行贷款充值的技术手段, 解决了相关 技术中, 终端用户不能及时充值或缴费时, 影响终端用户的正常使用等问题, 进而达 到了终端用户在不能及时充值或缴费的情况下, 也能正常使用相关付费业务的效果。 显然, 本领域的技术人员应该明白, 上述的本发明的各模块或各步骤可以用通用 的计算装置来实现, 它们可以集中在单个的计算装置上, 或者分布在多个计算装置所 组成的网络上, 可选地, 它们可以用计算装置可执行的程序代码来实现, 从而, 可以 将它们存储在存储装置中由计算装置来执行, 并且在某些情况下, 可以以不同于此处 的顺序执行所示出或描述的步骤, 或者将它们分别制作成各个集成电路模块, 或者将 它们中的多个模块或步骤制作成单个集成电路模块来实现。 这样, 本发明不限制于任 何特定的硬件和软件结合。 以上所述仅为本发明的优选实施例而已, 并不用于限制本发明, 对于本领域的技 术人员来说, 本发明可以有各种更改和变化。 凡在本发明的精神和原则之内, 所作的 任何修改、 等同替换、 改进等, 均应包含在本发明的保护范围之内。 10 The amount of the loan applied for by the user. Step 2: The mobile tariff credit device extracts the access code of the user, determines that the operation is a loan operation, and if the amount is carried later, the loan amount of the user, if not carried, the user's loan amount is regarded as the current credit rating of the user. The maximum loan amount minus the amount the user has already loaned. Step 3: The mobile tariff credit device determines whether the user enters the blacklist of the loan, and if so, the short message reminds the user that you have entered the blacklist of the loan. If no, go to step 4. Step 4: Determine whether the status of the user is normal (if the user status is a recharge period, it is also considered to be a normal state. At this time, after the user loans, the user's status is also modified to be a valid period, so that the user can immediately make a call and send a call. SMS, etc.) If not, the SMS reminds the user: Your card status is not normal, please contact customer service. If no, go to step 5. Step 5: Determine whether the loan amount applied by the user is greater than the maximum loan amount of the user's current credit rating minus the amount of the user's loan, and if so, the SMS reminds the user that the credit limit has reached the upper limit. If no, go to 6. Step 6, the user is loaned, and the SMS reminds the user: You have successfully loaned XX yuan, the current available balance is XX yuan, and the interest-free period is XXXX. In this example, the repayment business process is divided into two types: the user applies for repayment through USSD Like; the user recharges the automatic repayment (as long as the user recharges, first check whether the user has loans and interest, if any, first interest and loan) , the remaining amount is recharged). For users with good credit status, they can repay their own money through USSD Like, but for other users, the operator can adjust to recharge automatic repayment, which reduces the risk to some extent. The business process of applying for repayment through USSD Like is as follows: Step 1, the user dials the repayment access code, such as *222 or *222*10, where *222 is the repayment access code, and 10 is the amount of the user applying for repayment. . Step 2: The mobile tariff credit device extracts the access code of the user, determines that the operation is a repayment operation, and if the amount is carried later, the amount of the user's application for repayment, if not, the user is considered to apply for repayment. The amount is the loan that the user has applied for and the interest generated (interest is calculated daily by the task). Step 3: The mobile tariff credit device determines whether the status of the user is normal. If not, the short message reminds the user that: the status of the card is abnormal, please contact customer service. If yes, proceed to step 4. Step 4: Determine whether the amount of the user's application for repayment is greater than the loan that the user has applied for and the interest generated. If yes, the SMS reminds the user: Your loan amount is XX yuan, and the repayment amount you entered is greater than the loan you have applied for. Re-enter the repayment amount for repayment. If no, go to step 5. Step 5: Determine whether the balance of the user account is less than the amount of the user's application for repayment. If yes, the SMS reminds the user: Your balance is XX yuan, which is insufficient to repay the repayment amount. Please re-enter and repay part of the loan. If no, go to step 6. Step 6. Repay the user, and the SMS reminds the user: You have successfully repaid the loan XX yuan, and the remaining repayment amount is XX yuan. It can be seen that the above method is loosely coupled with the prepaid service, that is, the above method can be easily transplanted to the prepaid service of the G network, and can even be used for other postpaid services. You only need to change the access method of user loans, repayments, etc. from USSD Like to Unstructured Supplementary Service Data (USSD), and then make some simple adjustments to migrate to global mobile communications ( Global system for Mobile Communication, referred to as GSM) network prepaid service. Although the present invention can provide convenience to the user when the user needs to recharge and is inconvenient to recharge. From the above description, it can be seen that the present invention achieves the following technical effects: Through the invention, the technical means for recharging the payment service of the user terminal is adopted, which solves the problem that the terminal user can not recharge or pay in time, affecting the normal use of the terminal user, and the terminal user can not be timely. In the case of recharging or paying, the effect of the related paid service can also be used normally. Obviously, those skilled in the art should understand that the above modules or steps of the present invention can be implemented by a general-purpose computing device, which can be concentrated on a single computing device or distributed over a network composed of multiple computing devices. Alternatively, they may be implemented by program code executable by the computing device, such that they may be stored in the storage device by the computing device and, in some cases, may be different from the order herein. The steps shown or described are performed, or they are separately fabricated into individual integrated circuit modules, or a plurality of modules or steps are fabricated as a single integrated circuit module. Thus, the invention is not limited to any specific combination of hardware and software. The above is only the preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes can be made to the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and scope of the present invention are intended to be included within the scope of the present invention.

Claims

权 利 要 求 书 Claim
1. 一种移动资费信贷装置, 包括: 1. A mobile tariff credit device, comprising:
接收模块, 设置为接收来自于用户终端的贷款请求消息;  a receiving module, configured to receive a loan request message from the user terminal;
确定模块, 设置为根据所述贷款请求消息确定所述用户终端的贷款金额; 执行模块, 设置为将所述贷款金额作为充值金额为所述用户终端的付费业 务进行充值。  a determining module, configured to determine a loan amount of the user terminal according to the loan request message; and an execution module, configured to recharge the payment service of the user terminal by using the loan amount as a refill amount.
2. 根据权利要求 1所述的装置, 其中, 2. The apparatus according to claim 1, wherein
所述确定模块, 还设置为确定所述用户终端的信用等级, 以及根据所述信 用等级确定所述用户终端的可贷款金额;  The determining module is further configured to determine a credit level of the user terminal, and determine a loanable amount of the user terminal according to the credit level;
所述装置, 还包括: 比较模块, 设置为比较所述贷款金额和所述可贷款金 额的大小, 以及在所述贷款金额不大于所述可贷款金额时, 通知所述执行模块 将所述贷款金额作为充值金额为所述用户终端的付费业务进行充值。  The device, further comprising: a comparison module, configured to compare the loan amount and the size of the loanable amount, and notify the execution module to notify the loan when the loan amount is not greater than the loanable amount The amount is used as a recharge amount to recharge the payment service of the user terminal.
3. 根据权利要求 2所述的装置, 其中, 还包括: 信用等级调整模块, 设置为根据预设条件调整所述信用等级。 3. The apparatus according to claim 2, further comprising: a credit rating adjustment module configured to adjust the credit rating according to a preset condition.
4. 根据权利要求 1所述的装置, 其中, 4. The apparatus according to claim 1, wherein
所述接收模块, 还设置为接收所述用户终端的还款和 /或充值信息; 所述确定模块, 还设置为根据所述还款和 /充值信息确定还款和 /或充值金 额;  The receiving module is further configured to receive repayment and/or recharge information of the user terminal; the determining module is further configured to determine a repayment and/or recharge amount according to the repayment and/or refill information;
所述执行模块,还设置为根据所述还款和 /或充值金额为所述用户终端的付 费业务进行还款和 /或充值操作。  The execution module is further configured to perform a repayment and/or refill operation for the payment service of the user terminal according to the repayment and/or recharge amount.
5. 根据权利要求 4所述的装置, 其中, 所述确定模块, 还设置为确定在所述用户终端的付费业务有欠款时, 通知 所述执行模块将从所述充值金额中扣除得到的与欠费金额对应的金额为所述用 户终端的付费业务进行还款操作。 The device according to claim 4, wherein the determining module is further configured to: when the payment service of the user terminal has arrears, notify the execution module to deduct from the recharge amount The amount corresponding to the amount of the arrears is the repayment operation of the payment service of the user terminal.
6. 根据权利要求 1至 5任一项所述的装置, 其中, 所述接收模块, 还设置为接收所述用户终端的查询请求信息; 所述装置, 还包括: 查询模块, 设置为根据所述查询请求信息查询所述用 户终端的可贷款额度或当前需偿还金额。 The device according to any one of claims 1 to 5, wherein the receiving module is further configured to receive query request information of the user terminal; The device further includes: a query module, configured to query the loanable amount or the current repayment amount of the user terminal according to the query request information.
7. 一种移动资费信贷方法, 包括: 7. A mobile tariff method, including:
移动资费信贷装置接收来自于用户终端的贷款请求消息, 并根据所述贷款 请求消息确定所述用户终端的贷款金额;  The mobile credit card device receives a loan request message from the user terminal, and determines a loan amount of the user terminal according to the loan request message;
所述移动资费信贷装置将所述贷款金额作为充值金额为所述用户终端的付 费业务进行充值。  The mobile tariff credit device recharges the loan amount as the refill amount for the payment service of the user terminal.
8. 根据权利要求 7所述的方法, 其中, 所述移动资费信贷装置将所述贷款金额作 为充值金额为所述用户终端的付费业务进行充值包括: 8. The method according to claim 7, wherein the mobile credit facility replenishes the loan amount as the refill amount for the payment service of the user terminal, including:
所述移动资费信贷装置确定所述用户终端的信用等级, 以及根据所述信用 等级确定所述用户终端的可贷款金额;  The mobile tariff credit device determines a credit rating of the user terminal, and determines a loanable amount of the user terminal based on the credit rating;
所述移动资费信贷装置比较所述贷款金额和所述可贷款金额的大小, 以及 在所述贷款金额不大于所述可贷款金额时, 将所述贷款金额作为充值金额为所 述用户终端的付费业务进行充值。  The mobile tariff credit device compares the loan amount and the size of the loanable amount, and when the loan amount is not greater than the loanable amount, the loan amount is used as a recharge amount for the payment of the user terminal The business is recharged.
9. 根据权利要求 8所述的方法, 其中, 还包括: 所述移动资费信贷装置根据预设条件调整所述信用等级。 9. The method according to claim 8, further comprising: the mobile credit card device adjusting the credit rating according to a preset condition.
10. 根据权利要求 7所述的方法, 其中, 还包括: 所述移动资费信贷装置接收所述用户终端的还款和 /或充值信息, 以及根据 所述充值信息确定还款和 /或充值金额; 10. The method according to claim 7, further comprising: the mobile credit card device receiving repayment and/or refill information of the user terminal, and determining repayment and/or recharge amount according to the recharge information ;
所述移动资费信贷装置根据所述还款和 /或充值金额为所述用户终端的付 费业务进行还款和 /或充值操作。  The mobile tariff credit device performs a repayment and/or refill operation for the payment service of the user terminal based on the repayment and/or recharge amount.
11. 根据权利要求 10所述的方法, 其中, 在根据所述充值信息确定充值金额之后, 还包括: The method according to claim 10, further comprising: after determining the refill amount according to the refill information, further comprising:
所述移动资费信贷装置确定在所述用户终端的付费业务有欠款时, 将从所 述充值金额中扣除得到的与欠费金额对应的金额为所述用户终端的付费业务进 行还款操作。  The mobile credit facility determines that when the payment service of the user terminal has arrears, the amount corresponding to the amount of the arrears deducted from the refilled amount is a repayment operation of the payment service of the user terminal.
12. 根据权利要求 7至 11任一项所述的方法, 其中, 还包括: 所述移动资费信贷装置接收所述用户终端的查询请求信息, 以及根据所述 查询请求信息查询所述用户终端的可贷款额度或当前需偿还金额。 The method according to any one of claims 7 to 11, further comprising: The mobile credit card device receives the query request information of the user terminal, and queries the loanable amount or the current repayment amount of the user terminal according to the query request information.
PCT/CN2011/082740 2011-05-24 2011-11-23 Device and method for mobile tariff credit WO2012159428A1 (en)

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