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

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...

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 card information and password; the user needs to carry the bank card to pay; the user needs a computer or high-end mobile phone and other equipment, and can only use the Internet under the condition of Internet access. Pay the fees;

[0006] Insufficient payment at the counter of the business hall: the cost of the construction of the business hall and the cost of personnel are high; the user queues for a long time, and the service pressure is high; the user also needs to go to the designated business hall to complete the payment, which consumes time and energy, and the user's service experience is poor;

[0007] Sending people to collect fees in the community, the labor cost is high, and there are risks in the management of funds, large funds in transit, and long periods of capital return

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