Binary channel magnetism-free secretive electronic payment system based on voice and Internet and payment method thereof

A technology of electronic payment and payment system, which is applied in the direction of payment system structure, transmission system, electrical components, etc., can solve the problems of long capital withdrawal period, high cost and personnel cost, and large labor cost, so as to improve capital utilization rate and capital withdrawal efficiency, reduce operating and sales costs, and improve work efficiency

Inactive Publication Date: 2010-08-11
SHAANXI CYBERWEST TELECOM & INFORMATION
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The main problems of online payment and telephone payment: one is to pay through digital channels, and the other is to pay through voice channels
These two have potential safety hazards in terms of security. Both will require the input of the card number and password. On the digital channel, programs such as Trojan horses will be used to steal, and on the voice channel, it will be stolen through recording and other methods.
[0005] When the user pays, it may cause the leakage of bank card information and security confirmation information. When the user makes online payment and telephone payment, it is generally required to enter the bank card information and password at the same time. Box, phone key tone recording and interception on the transmission line to steal the user's bank

Method used

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  • Binary channel magnetism-free secretive electronic payment system based on voice and Internet and payment method thereof
  • Binary channel magnetism-free secretive electronic payment system based on voice and Internet and payment method thereof
  • Binary channel magnetism-free secretive electronic payment system based on voice and Internet and payment method thereof

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0075] Embodiment 1: see image 3 , phone bill recharge, payment - 118114 customer service acceptance method:

[0076] ①. After the user dials 118114, through the operator's inquiry operation, inform the corresponding phone number and recharge amount required for recharge.

[0077] ②. The operator asks the payment method selected by the user.

[0078] ③. The user decides to use the non-magnetic and encrypted electronic payment technology platform to recharge and pay.

[0079] ④. Users who are not bound to this payment system need to inform the operator of their name, and follow the operator's prompts to enter the bank card number and mobile phone number to be paid; if the user has bound a financial institution for mobile payment, they only need to enter the payment number or Just a mobile phone number.

[0080] ⑤. After confirming that the user has entered complete payment information, the operator hangs up and transfers the business to the payment system.

[0081] ⑥. The ...

Embodiment 2

[0088] Example 2: see Figure 4 , Air ticket (e-ticketing)-118114 customer service acceptance method:

[0089] ①. After the user dials 118114, the operator informs the ticket information to be ordered through the inquiry operation of the operator.

[0090] ②. The operator asks the payment method selected by the user.

[0091] ③. The user decides to use the non-magnetic and encrypted electronic payment technology platform to recharge and pay.

[0092] ④. Users who are not bound to this payment system need to inform the operator of their name, and follow the operator's prompts to enter the bank card number and mobile phone number to be paid; if the user has bound a financial institution for mobile payment, they only need to enter the payment number or Just a mobile phone number.

[0093] ⑤. After confirming that the user has entered complete payment information, the operator hangs up and transfers the business to the payment system.

[0094] ⑥. The user will immediately rece...

Embodiment 3

[0101] Example 3, see Figure 5 , 118114 online shopping - computer WEB way:

[0102] ①. The user confirms the purchased product on the 118114 online shopping platform.

[0103] ②. The user fills in the order information.

[0104] ③. The user selects the payment method of this system.

[0105] ④. After confirmation, transfer the business order to this payment system.

[0106] ⑤. The user fills in the user information of the payment system. Unbound users need to enter the bank card number and mobile phone number, and then click to pay after confirming that they are correct; bound users only need to enter their mobile phone number, and then click to pay after confirming that they are correct.

[0107] ⑥. The user immediately receives the IVR voice call of the financial institution's mobile payment, and completes the payment after performing relevant confirmation information operations according to the voice prompts.

[0108] ⑦. The payment system sends a payment request to ...

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PUM

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Abstract

The invention relates to a binary channel magnetism-free secretive electronic payment system based on voice and Internet and a payment method thereof. Potential safety exists in the modes of traditional on-line payment and telephone payment both of which require simultaneously inputting card number and password, and the card number and the password are likely to be stolen by means of wooden procedure or voice record, and the like. In the invention, a computer, wireless communication, voice processing technique and telephone signal digitization are integrated under a unified platform based on an IVR (Interactive Voice Response) technique of CTI (Computer Telephony Integration), and smooth junction with an external network and the platform is realized through an adaptive gateway. Users and merchants transmit account order information through an Internet digital channel or an IVR voice channel and transmit password confirming information through another IVR voice channel so as to ensure asynchronous transmission of the account order information and the password confirming information through two independent channels. The invention ensures the payment safety, provides multiple rapid and safe payment manners for users, improves the working efficiency and enhances the service quality of users.

Description

technical field [0001] The invention belongs to the technical field of financial electronic payment, and in particular relates to a voice- and Internet-based dual-channel non-magnetic and secret electronic payment system and a payment method thereof. Background technique [0002] With the acceleration of the pace of life, people have new requirements for the convenience, speed, and safety of various types of payment. When the user's mobile phone prompts that the balance is insufficient and needs to be recharged; when the business traveler needs to order an air ticket; Remind point card needs to recharge; when users order digital interactive TV programs; when residents need to pay for water, electricity, gas, heating, property, cable TV; when users need to pay various insurance and bank credit repayments, etc. Wait. [0003] The current main payment methods have the following deficiencies: [0004] The main problems of online payment and telephone payment: one is to pay thr...

Claims

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Application Information

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IPC IPC(8): G06Q20/00H04L29/06H04M3/42H04M3/51G06Q20/16
Inventor 何俊杰
Owner SHAANXI CYBERWEST TELECOM & INFORMATION
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