Method for achieving payment of one individual to another using voice and short message communication

A technology of voice communication and voice, applied in the field of person-to-person mobile payment

Inactive Publication Date: 2006-09-06
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 for achieving payment of one individual to another using voice and short message communication
  • Method for achieving payment of one individual to another using voice and short message communication
  • Method for achieving payment of one individual to another using voice and short message communication

Examples

Experimental program
Comparison scheme
Effect test

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] οUser identification password: 5166

[0073] οAccount balance: ￥1,000.00 (User A transfers from his Chinese account through the online interface provided by the payment service system

[0074] ICBC's online account transfers ￥1,000 to its new account. )

[0075] · User B:

...

example 1

[0079] Example 1: User A wants to pay user B ￥50

[0080] ·User A writes a short message through the mobile phone as follows: "Pay 1302055168850", and sends it to the special service number 16838 of the payment service provider. Note: It is assumed here that the payment service provider has stipulated that the SMS payment format is: "{payer's mobile phone number (can be defaulted)} pay {payee's mobile phone number or email address}{payment amount}".

[0081] After the payment service system receives the payment request SMS through its SMS communication interface, the payment process control module extracts the mobile phone number of user A, which is 13010221999, and analyzes the content of the SMS to recognize that it is a payment SMS. According to the specified format, the payment amount of 50 yuan is extracted from it, and the mobile phone number of user B is 13020551688.

[0082] The payment process control module calls the user management module to verify the following info...

example 2

[0091] Example 2: User A wants to pay User B ￥50

[0092] ·User A dials the special voice service number 16828 of the payment service provider through the mobile phone.

[0093] ·After the system obtains the mobile phone number 13010221999 of user A through an incoming call, it calls the user management module to find the account corresponding to 13010221999.

[0094] After success, the payment process control module invokes the voice communication / processing module to ask user A for the user identification password by voice.

[0095] • User A enters 5166.

[0096] After the payment process control module obtains 5166 through the voice communication / processing module, it calls the user management module to verify the password of user A.

[0097] ·After success, the payment process control module invokes the voice communication / processing module to play the service content by voice.

[0098] • User A selects the payment service.

[0099] ·The payment process control module ...

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PUM

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Abstract

The presented system comprises: a voice communication interface to the telecom network, a SMS communication interface to the SMS center gateway, a process module, a user management module, a user database, a fund management module, a fund trade-off database, and a control module to paying process. This invention integrates two communication techniques, improves security and hardware request.

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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