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Method and system for accomplishing person to person payment using pronunciation and short message communication

A voice communication and voice technology, applied in the field of personal-to-personal mobile payment, to achieve the effect of effective and convenient payment method and a large user base

Inactive Publication Date: 2006-08-02
刘进
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Although Interactive Voice Technology (IVR) has been used by many banks for automatic account information inquiry systems, there are no good applications and methods for using Interactive Voice Technology (IVR) in the field of personal-to-personal payment.

Method used

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  • Method and system for accomplishing person to person payment using pronunciation and short message communication
  • Method and system for accomplishing person to person payment using pronunciation and short message communication
  • Method and system for accomplishing person to person payment using pronunciation and short message communication

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Embodiment

[0067] According to the technical solution of the present invention, the payment service provider builds a payment service system, and additionally provides an online interface for users to register and manage their accounts. The implementation method and system working process of the present invention are illustrated below.

[0068] Assume that the special SMS service number of the payment service provider is 16838, and the special voice service number is 16828.

[0069] User A and User B register their accounts through the online interface of the payment service system in advance, and the content is as follows:

[0070] · User A:

[0071] οMobile phone number: 13010221999

[0072] ο Email: yonghua@yahoo.com.cn

[0073] οUser identification code: 13010221999

[0074] οUser identification password: 5166

[0075] οAccount balance: ￥1,000.00 (User A transfers ￥1,000 from his ICBC online account to his new account through the online interface provided by the payment servic...

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PUM

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Abstract

Present invention provides personage to personage paying method and system utilizing speech sounds or speech-sounds and message communication. It contains speech-sounds communication interface of telecommunication network, message centre gateway communication interface, speech-sounds communication / processing module, subscriber administration module, user data base, fund management module, fund deal data base, and paying process control module etc. Payment side can complete paying deal course to gathering side only utilizing handset through speech-sounds or speech-sounds and message and paying service system interaction. Present invention has simple convenience and instant with safety and reliability.

Description

Technical field: [0001] The present invention belongs to the relevant field related to personal-to-personal mobile payment, and in particular relates to a method and system for how to use voice communication or voice and short message communication to complete the payment process in a timely, safe and convenient manner. Background technique: [0002] Due to various factors such as history, society, economy, law, and technology, China's technology and application in the field of payment are still relatively backward compared with western developed countries. However, with the gradual deepening of China's reform and development policy and the vigorous development of the economy, the technology and application in the payment field are expected to develop rapidly, which in turn will promote the development and improvement of society, economy, and people's living standards. [0003] The current personal payment methods that people are familiar with include: cash, checks, credit / d...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00H04M3/493G06Q20/16
Inventor 刘进
Owner 刘进
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