Method for processing payment information

Abstract

A processing method of payment information includes prompting user to input verification information by firm end server and sending said information and user access telephone number to user deposit bank server, prompting user to input payment confirmation information when information of verification being passed is received by firm end server, switching user access telephone over to bank server to prompt user to input payment confirmation information after payment information is confirmed by user, transferring order amount of money from user account to account of firm by bank after confirmation information from user is received by bank.

Description

technical field [0001] The invention relates to a payment method, in particular to a payment information processing method in cooperation with a telephone direct sales operation mode, and belongs to the field of bank payment and settlement. Background technique [0002] Telephone direct marketing is a business method of promoting and selling products through the telephone. The buyer user can directly contact the seller merchant by phone, select the product to be purchased and pay according to the payment method provided by the seller merchant, and the seller merchant is responsible for sending the product to the buyer user, so that the buyer and the seller can complete the commodity transaction without leaving home. Very convenient. And because the telephone direct sales method saves a lot of intermediate links such as agents, it also reduces the cost of goods, and the transaction volume using this mode of operation is also expanding. [0003] The defect of the existing te...

AI Technical Summary

Problems solved by technology

However, in some cases, the goods purchased by the buyer user are large in size or far away, resulting in high shipping costs, and the buyer user may refuse to purchase, so the seller merchant is not willing to provide cash on delivery services for such goods. thus limiting the scope of trading commodities

The payment method of post office remittance requires the buyer user to record the seller's merchant's mailing address and fill in the remittance form at the post office to remit the remittance, which is very inconvenient

The check payment method requires the buyer user to mail the check to the seller user, there is a risk of loss in the middle and the speed is very slow; the bank transfer method requires the buyer user to record the seller's bank account number, because the bank account number is often very long and there are no rules to follow, it is very difficult Difficult to remember, once entered wrongly, it will cause irreparable loss

Although there are some ways to transfer funds through the Internet or telephone, users are required to enter bank card account numbers and passwords, which may be maliciously embezzled, and the security of account funds cannot be guaranteed.

[0004] In short, due to the various defects of the existing payment methods, the convenience and quickness of the telephone direct sales operation mode are limited. Therefore, a simple, fast, convenient and reliable payment information processing method is needed to cooperate with the telephone direct sales operation mode.

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