CN101719248A - Voice assistant payment method and platform - Google Patents
Voice assistant payment method and platform Download PDFInfo
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- CN101719248A CN101719248A CN200910223986A CN200910223986A CN101719248A CN 101719248 A CN101719248 A CN 101719248A CN 200910223986 A CN200910223986 A CN 200910223986A CN 200910223986 A CN200910223986 A CN 200910223986A CN 101719248 A CN101719248 A CN 101719248A
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Abstract
The invention discloses voice assistant payment method and platform. The voice assistant payment method comprises the following steps of: the voice assistant payment platform acquires the order information of a terminal user; the voice assistant payment platform queries a voice payment agreement of the terminal user according to a number of the terminal user; the voice assistant payment platform determines that the terminal user signs the voice payment agreement and then sends the order information to a bank; and the voice assistant payment platform receives a payment result returned by the bank and sends the payment result to the terminal user. The invention adopts an IVR voice payment channel and data order channel separation technology to assemble the financial information of an order and then send the financial information to the bank in real time through an IP data channel, realizes that unreal-name policy commodities can be safely, conveniently and fast purchased by a telephone call without on-hook and is also beneficial to ensure the individual privacy of users in purchasing the commodities.
Description
Technical field
The present invention relates to the data security transmission technology, relate in particular to a kind of voice assistant payment method and platform.
Background technology
Along with Internet development and universal, internet usage (user need register and authenticate before using) carries out transaction payment and is received by the user gradually; The mode that the active user pays in real time by call voice can only be applied to system of real name commodity (as order air ticket, order hotel etc.).Fig. 1 illustrates the structural representation of call voice IVR payment system networking in the prior art.As shown in Figure 1, in the call voice IVR payment system networking 100 that the active user uses, the terminal user by dial " 114 " customer service hot line 102, direct calling IVR call center 103 enters trade company's service server (as Expo ticket-booking service device 104, travelling merchants' book server 105), is sent to paying server 107 by the order payment information of will being correlated with to deserved merchant server subsequently; Or the terminal user directly inserts paying server 107 by short message mode or Wap mode; At last by financial institution must settle accounts calculation system 108 according to the signatory situation of user by paying to or mode such as fast money is carried out transaction payment.And for a large amount of non-system of real name commodity relevant with user's daily life, the call voice mode of payment in real time also can not get technical support.
Existing based on artificial phone-payment mode (as ordering air ticket) by taking journey, directly collect sequence information by attending a banquet, directly transfer to background process behind the generation order number.But for payment non-system of real name commodity (as the life kind commodity), the user is concerned about the security of payment information (as bank's card number, password, identity information etc.) and the privacy of sequence information (as merchandise news, deliver goods address, contact method etc.); In addition, must sign voice payment agreement (being that system of real name is bought commodity) with paying bank earlier before the user orders the goods, that is to say that it is the safety of contracted user to guarantee to disburse funds that bank needs the user of voice payment.Therefore, bank does not also support non-system of real name to buy the mode that commodity adopt voice payment at present, the mode that the user also can't insert by voice at any time, and safe and convenient ground uses the credit or debit card of each big bank to carry out non-system of real name goods order and payment.This shows, adopt mode voice call to carry out transaction payment and also have the technical matters that needs to be resolved hurrily.
In addition, adopt the non-system of real name commodity of voice payment, voice service need be provided by attending a banquet, collect relevant sequence information and payment information, adopt existing pattern to be unfavorable for the safe transmission of relevant private data.In sum, also do not have at present and can realize that the user can buy the technical scheme of non-system of real name commodity as buying the system of real name commodity at technological layer.
Summary of the invention
The purpose of this invention is to provide a kind of voice assistant payment method and platform, order and pay non-system of real name commodity easily for user security technical support is provided.The invention provides following technical scheme:
One aspect of the present invention provides a kind of voice assistant payment method, and this method comprises: the auxiliary payment platform of voice obtains terminal user's sequence information; The auxiliary payment platform of voice according to terminal user's number to bank's inquiry terminal user's voice payment arrangement; After the auxiliary payment platform of voice confirms that the terminal user signs the voice payment agreement, sequence information is sent to bank; The auxiliary payment platform of voice receives the payment result that bank returns, and payment result is sent to the terminal user.
Among the embodiment of voice assistant payment method provided by the invention, this method also comprises: the auxiliary payment platform of voice according to terminal user's number after bank's inquiry terminal user's voice payment arrangement, the auxiliary payment platform of voice is judged terminal user's voice payment agreement of whether contracting; If the terminal user does not sign the voice payment agreement with bank, the auxiliary payment platform of voice sends signatory prompting message to the terminal user; The terminal user is after receiving signatory prompting message, and on-hook waits for that bank's calling is with signatory voice payment agreement; The outgoing call terminal user of bank; And the terminal user signs the voice payment agreement by voice prompting mode and bank.
Among the embodiment of voice assistant payment method provided by the invention, the auxiliary payment platform of voice according to terminal user's number after bank's inquiry terminal user's voice payment arrangement, the auxiliary payment platform of voice judges whether the order payment in excess of the quota; If the auxiliary payment platform of voice judges that the order payment is in excess of the quota, the auxiliary payment platform of voice sends the volume prompting message that transfinites to the terminal user; The terminal user is after receiving the volume prompting message that transfinites, and bank's calling is waited in on-hook; The auxiliary payment platform of voice sends to bank with sequence information; The outgoing call terminal user of bank is with terminal user's information that confirms an order; And if terminal user's information that confirms an order, bank returns payment result to the auxiliary payment platform of voice, the auxiliary payment platform of voice sends to the terminal user with payment result after receiving the payment result that bank returns.
Among the embodiment of voice assistant payment method provided by the invention, sequence information comprises at least a in the bank that merchandise news, logistics information, the modes of payments and payment select for use.
Among the embodiment of voice assistant payment method provided by the invention, this method further comprises: before the outgoing call terminal user of bank, if terminal user's cancellation or modification order; The auxiliary payment platform notifying bank of voice cancels this outgoing call so.
Among the embodiment of voice assistant payment method provided by the invention, terminal user's sequence information is sent to the auxiliary payment platform of voice by public network, and the auxiliary payment platform of voice sends to bank by national IVR system with sequence information.
Among the embodiment of voice assistant payment method provided by the invention, after the auxiliary payment platform of provincial voice generates trading order form with sequence information, by the platform of order number that generates and the provincial auxiliary payment platform of voice number being sent to national IVR system with the road instruction.
Another aspect of the present invention provides a kind of voice to assist payment platform, and this platform comprises: information receiving module is used for the sequence information that the receiving terminal user sends, and receives the payment result that bank returns; The agreement enquiry module is used for number according to the terminal user to bank's inquiry terminal user's voice payment arrangement; Information sending module is used for the agreement enquiry module, after the affirmation terminal user signs the voice payment agreement, sequence information is sent to bank, and after the payment result that reception bank returns, payment result is sent to the terminal user.
Among the embodiment of the auxiliary payment platform of the voice that provide of the present invention, the agreement enquiry module also is used for judging terminal user's voice payment agreement of whether contracting according to the Query Result that bank returns; If the terminal user does not sign the voice payment agreement with bank, information sending module sends signatory prompting message to the terminal user; The terminal user is after receiving signatory prompting message, and on-hook waits for that bank's calling is with signatory voice payment agreement.
Among the embodiment of the auxiliary payment platform of the voice that provide of the present invention, this platform further comprises: amount of money judge module is used to judge whether the order payment is in excess of the quota; If amount of money judge module judges that the order payment is in excess of the quota, information sending module sends the volume prompting message that transfinites to the terminal user; The terminal user is after receiving the volume prompting message that transfinites, and bank's calling is waited in on-hook.
Voice assistant payment method provided by the invention and platform, separate and transmit by payment information by different transmission channels with sequence information and user, thereby guaranteed security of payment and privacy, provide technical guarantee for the user buys non-real name commodity.
Description of drawings
Fig. 1 illustrates the structural representation of call voice IVR payment system networking in the prior art;
Fig. 2 illustrates the structural representation of the embodiment that the auxiliary payment platform of voice of the present invention uses in the Best Tone Service system;
Fig. 3 illustrates the process flow diagram according to an embodiment of voice assistant payment method of the present invention;
Fig. 4 illustrates the structural representation of an embodiment of the auxiliary payment platform of voice of the present invention;
Fig. 5 illustrates the process flow diagram according to an embodiment of voice assistant payment method of the present invention;
Fig. 6 illustrates the structural representation of an embodiment of the auxiliary payment platform of voice of the present invention;
Fig. 7 illustrates the process flow diagram according to an embodiment of voice assistant payment method of the present invention;
Fig. 8 illustrates the structural representation of an embodiment of the auxiliary payment platform of voice of the present invention;
Fig. 9 illustrates the networking structure synoptic diagram according to the auxiliary specific embodiment of payment platform in secondary IVR system of voice of the present invention.
Embodiment
With reference to the accompanying drawings the present invention is described more fully, exemplary embodiment of the present invention wherein is described.
Fig. 2 illustrates the structural representation of the embodiment that the auxiliary payment platform of voice of the present invention uses in the Best Tone Service system.
As shown in Figure 2, in the Best Tone Service system 200, the terminal user enters the queue machine (ACD, Automatic Call Distributor) 204 that system is provided with by public switched telephone network (PSTN) (PSTN, Public Switched Telephone Network) 202; Speech channel between queue machine 204 and the IVR208 is generally used for playing voice suggestion (welcoming voice as playing), collection terminal user key-press information (selecting to enter the commodity voice by button as the terminal user) to the terminal user.When the auxiliary payment platform 210 of voice is transferred, remove the speech channel between IVR 208 and the queue machine 204 earlier, then by interactive voice response (IVR, Interactive VoiceResponse) 206 establishes a communications link after (as being connected internet 212, LAN (Local Area Network) or bank's private data network 214), finish switching by the telephone bank of queue machine 204 outgoing call banks with the auxiliary payment platform 210 of voice.Voice speech channel between terminal user and the bank's private data network 214 is only passed through queue machine 204, without the speech channel between queue machine 204 and the IVR208.
This shows that IVR 208 does not have the voice messaging between terminal user and the bank.Between the auxiliary payment platform 210 of computer telephone integration (CTI, Computer Telephony Integration) 206 and voice, and have only data link between CTI 206 and the queue machine 204, do not have voice speech channel; Auxiliary payment platform 210 of voice and CTI 206 do not have the voice messaging between terminal user and the bank.Therefore, even the disabled user can enter system's (as invading CTI206, IVR 208, the auxiliary payment platform 210 of voice), the disabled user can't obtain the voice messaging between terminal user and the bank from CTI 206, IVR 208, the auxiliary payment platform 210 of voice; In addition, owing to do not have speech channel between CTI 206 and the queue machine 204, the disabled user also can't obtain the voice messaging between terminal user and the bank via the auxiliary payment platform 210 of voice, CTI 206 from queue machine 204.
Among the present invention, queue machine 204 is SPC telephone exchange of supporting computer supported telecommunication applications (CSTA, Computer-Supported Telecommunications) agreement, finishes continuing and distributing of calling.CTI 206 is computer equipments of being responsible for calling out control and resources allocation, carries out call distribution (attend a banquet, transfer as switching IVR, outgoing call etc.) by CSTA agreement control queue machine 204.IVR 208 be used to finish and the terminal user between interactive voice (, accepting client's key information etc.) as playing voice suggestion, can be the computer equipment of band voice plate card.The auxiliary payment platform 210 of voice provides the computer system of reservation business function, and it is connected with internet 212, private data network 214; " number all trades affair system " that can adopt China Telecom to provide.After the switching, queue machine 204 just is equivalent to the logical programme-controlled exchange of a Daepori on the PSTN 202.
Fig. 3 illustrates the process flow diagram according to an embodiment of voice assistant payment method of the present invention.
As shown in Figure 3, voice assistant payment method flow process 300 comprises: step 302, the auxiliary payment platform of voice obtains terminal user's sequence information.For example, the terminal user dials the auxiliary payment platform order goods of voice, and the auxiliary payment platform of voice is responsible for the sequence informations such as merchandise news, logistics distribution information, the payment for goods modes of payments and draw bank that the collection terminal user chooses.
Voice assistant payment method provided by the present invention, send sequence information to payment system by public network,, in automated audio systems, import, and directly issue bank by after being transferred to national IVR system for the payment information (as bank card account number, password etc.) of sensitivity by special line.The auxiliary payment platform assisting users of voice is finished order among the present invention, and sequence information is sent to draw bank, and coordination bank finishes the voice payment agreement is signed in user's callback; After the user signed the voice payment agreement, the user was direct-connected by data-interface realization and banking system, and payment result is returned in real time, and the auxiliary payment platform of voice assists bank to finish the order payment; In whole process, for the auxiliary payment platform of voice, user's order goods, finish the whole process of order payment, do not need to assist payment platform to sign an agreement with voice in advance; Realized that the user buys non-system of real name commodity by the mode safe and convenient ground of voice payment, also helped the right of privacy of protecting the terminal user to do shopping simultaneously.
Fig. 4 illustrates the structural representation of an embodiment of the auxiliary payment platform of voice of the present invention.As shown in Figure 4, the auxiliary payment platform 400 of voice mainly comprises: information receiving module 402, agreement enquiry module 404 and information sending module 406.
Wherein, information receiving module 402 is used for the sequence information that the receiving terminal user sends, and receives the payment result that bank returns.For example, the terminal user dials auxiliary payment platform 400 order goods of voice, and the information receiving module 402 in the auxiliary payment platform of voice is responsible for the sequence informations such as merchandise news, logistics distribution information, the payment for goods modes of payments and draw bank that the collection terminal user chooses; And finish the order payment for goods in the bank that the terminal user contracts and pay, after the auxiliary payment platform of voice returned payment result, the information receiving module 402 in the auxiliary payment platform of voice received the payment result that banks return.
Among the embodiment of the auxiliary payment platform of voice provided by the invention, whether the auxiliary payment platform of voice first inquiring user before information package such as order number, the amount of money are sent opens an account, for the user who does not open an account, can the payment data bag not sent to bank, thereby help improving treatment effeciency, reduction system overhead and network congestion.
Fig. 5 illustrates the process flow diagram according to an embodiment of voice assistant payment method of the present invention.
As shown in Figure 5, voice assistant payment method flow process 500 comprises: step 502, the auxiliary payment platform of voice obtains terminal user's sequence information.For example, the terminal user dials the auxiliary payment platform order goods of voice, and the auxiliary payment platform of voice is responsible for the sequence informations such as merchandise news, logistics distribution information, the payment for goods modes of payments and draw bank that the collection terminal user chooses.
Fig. 6 illustrates the structural representation of an embodiment of the auxiliary payment platform of voice of the present invention.As shown in Figure 6, the auxiliary payment platform 600 of voice mainly comprises: information receiving module 602, agreement enquiry module 604 and information sending module 606; Wherein information receiving module 602, agreement enquiry module 604 and information sending module 606 can be respectively to have same or analogous functional module with information receiving module 402 shown in Figure 4, agreement enquiry module 404 and information sending module 406; For for purpose of brevity, repeat no more here.
As shown in Figure 6, the agreement enquiry module 604 in the auxiliary payment platform 600 of voice also is used for judging according to the Query Result that bank returns whether the terminal user signs the voice payment agreement.If the terminal user does not sign the voice payment agreement with bank, information sending module sends signatory prompting message to the terminal user; The terminal user is after receiving signatory prompting message, and on-hook waits for that bank's calling is with signatory voice payment agreement.Subsequently, the outgoing call terminal user of bank, the terminal user can sign the voice payment agreement by voice prompting mode and bank, thereby carries out voice payment; Perhaps select to abandon the payment of this order.
Among the embodiment of the auxiliary payment platform of voice provided by the invention, under the situation that does not have to contract the terminal user, set up the voice payment agreement, realize that the user need not the requirement of in advance going to bank outlets signatory by bank's outgoing call and terminal user with paying bank.Because the present invention adopts sequence information and payment information subchannel transmission manner, guaranteed the security of user and bank signature voice payment agreement, and the convenience that adopts voice payment.
Fig. 7 illustrates the process flow diagram according to an embodiment of voice assistant payment method of the present invention.
As shown in Figure 7, voice assistant payment method flow process 700 comprises: step 702, the auxiliary payment platform of voice obtains terminal user's sequence information.For example, the terminal user dials the auxiliary payment platform order goods of voice, and the auxiliary payment platform of voice is responsible for the sequence informations such as merchandise news, logistics distribution information, the payment for goods modes of payments and draw bank that the collection terminal user chooses.
Fig. 8 illustrates the structural representation of an embodiment of the auxiliary payment platform of voice of the present invention.As shown in Figure 8, the auxiliary payment platform 800 of voice mainly comprises: information receiving module 802, agreement enquiry module 804, amount of money judge module 805 and information sending module 806; Wherein information receiving module 802, agreement enquiry module 804 and information sending module 806 can be respectively to have same or analogous functional module with information receiving module 402 shown in Figure 4, agreement enquiry module 404 and information sending module 406; For for purpose of brevity, repeat no more here.
As shown in Figure 8, the auxiliary payment platform 800 of voice also comprises amount of money judge module 805, is used to judge whether the order payment is in excess of the quota.If amount of money judge module 805 is judged order payment (as 2000 yuan of day single consumption) in excess of the quota, information sending module 806 sends the volume prompting message that transfinites to the terminal user; The terminal user is after receiving the volume prompting message that transfinites, and bank's calling is waited in on-hook.The auxiliary payment platform of voice sends to bank by information sending module 806 with sequence information; The outgoing call terminal user of bank is with terminal user's information that confirms an order; The information if the terminal user confirms an order, bank returns payment result to the auxiliary payment platform of voice, and the auxiliary payment platform of voice sends to the terminal user with payment result after receiving the payment result that bank returns.Otherwise the user cancels pay invoice.
Among the embodiment of the auxiliary payment platform of voice provided by the invention, when subchannel transmission sequence information and payment information guarantee that the terminal user orders non-system of real name merchandise security and convenience, also carry out user's affirmation, thereby guarantee the security of voice payment further for the Payment Request of the volume of transfiniting.
Fig. 9 illustrates the networking structure synoptic diagram according to the auxiliary specific embodiment of payment platform in secondary IVR system of voice of the present invention.
As shown in Figure 9, the terminal user orders in the flow process of non-system of real name commodity by secondary IVR system and the auxiliary payment platform of voice, and wherein "---" expression voice channel is used to transmit sequence information (information such as merchandise news, dispensing mode, user address);
The expression data channel is used to transmit payment information (order number, the amount of money, subscriber directory number etc.).
Terminal user 902 initiates audio call, audio call is through sending provincial voice to assist payment platform (as electric signal hundred platforms) 906 by public switched telephone network (PSTN) 904, provincial operator attendance 908 receives calls, and helps the user to finish commercial articles ordering on commercial articles ordering platform 910, and generates order; Order sends to the auxiliary payment platform 912 of national voice by data path, and by internet or special line 914 sequence information (as calling terminal Subscriber Number, order number, the amount of money etc.) is sent to bank by the auxiliary payment platform 912 of national voice; Subsequently by this calling terminal user's telephone number of bank examination whether for binding number, and whether decision initiates outgoing call.If this calling terminal user judges with telephone number and voice payment business-binding in bank, bank is by telephone bank's platform 916 calling parties so, and the voice assisting users is finished the voice payment process of order; If this calling terminal user not signing voice payment agreement (promptly telephone number and payment account not being bound) is judged by bank; Telephone bank of bank platform 916 is by this calling terminal of outgoing call user, and the terminal user signs the voice payment agreement by voice prompting mode and bank, finishes the order voice payment; The auxiliary payment platform 912 of national subsequently voice receives the payment result that bank returns, and payment result is sent to the terminal user.
In the specific embodiment that the auxiliary payment platform of voice provided by the invention is used in secondary IVR system, the auxiliary payment platform of voice supports that the user buys non-system of real name commodity by the mode of voice payment; By to the transmission of sequence information and user's payment information subchannel, and transmit, guaranteed that user speech pays the security and the convenience of non-system of real name commodity by the data of IVR record are encrypted the back.In addition, for the user who uses the voice payment pattern, this user voice payment agreement of whether contracting no matter can be according to the signatory voice payment agreement of calling telephone bank outside, thereby by telephone number and bank account are bound; The user need not to import bank's card number when carrying out voice payment, simplified the user and imported with reference to condition, has reduced the user and has waited until the time that seat is handled, and has accelerated payment process; Thereby further improve the convenience of payment efficient and transaction.
With reference to the exemplary description of aforementioned the present invention, those skilled in the art can clearly know the present invention and have the following advantages:
1) voice assistant payment method provided by the present invention and platform, by payment information subchannel transmission to sequence information and user, utilize public network to send sequence information to payment system, for the payment information (as bank card account number, password etc.) of sensitivity by after being transferred to national IVR system, in automated audio systems, import, and directly issue bank by special line.The auxiliary payment platform assisting users of voice is finished order among the present invention, and sequence information is sent to draw bank, and coordination bank finishes the voice payment agreement is signed in user's callback; After the user signed the voice payment agreement, the user was direct-connected by data-interface realization and banking system, and payment result is returned in real time, and the auxiliary payment platform of voice assists bank to finish the order payment; In whole process; for the auxiliary payment platform of voice; the user orders the goods, finishes the whole process of order payment; do not need in advance to assist payment platform to sign an agreement with voice; realized that the user by the mode safety of voice payment, buy non-system of real name commodity easily, also helps the right of privacy of protecting the terminal user to do shopping simultaneously.
2) for the user who plan to use the voice payment pattern, this user voice payment agreement of whether contracting no matter can be according to the signatory voice payment agreement of calling telephone bank outside, and need not to go the on-the-spot signing in bank agency voice payment agreement in advance.By bank's outgoing call, the terminal user can be easily with telephone number and bank account binding, the user need not to import bank's card number when carrying out voice payment, having simplified the user imports with reference to condition, reduce the user and waited until the time that seat is handled, accelerate payment process, thereby further improved the convenience of payment efficient and transaction.
3) voice assistant payment method provided by the present invention and platform, by data-interface and bank direct-connected (utilizing data channel transmission payment information), and terminal user's payment result can be returned in real time; After the signatory voice payment agreement of terminal user, this terminal user can realize permanent taking on the telephone and finish commercial articles ordering and pay overall process down.After the user buys undergoing of non-system of real name commodity by debit card, credit card, the convenience of these value-added telecom services be can greatly experience, the recommendation and the popularization of this business also helped.
Embodiments of the invention provide for example with for the purpose of describing, and are not exhaustively or limit the invention to disclosed form.Many modifications and variations are conspicuous for the ordinary skill in the art.Selecting and describing embodiment is for better explanation principle of the present invention and practical application, thereby and makes those of ordinary skill in the art can understand the various embodiment that have various modifications that the present invention's design is suitable for special-purpose.
Claims (10)
1. voice assistant payment method, it is characterized in that: described method comprises:
The auxiliary payment platform of voice obtains terminal user's sequence information;
The auxiliary payment platform of described voice is inquired about described terminal user to bank according to described terminal user's number voice payment agreement;
After the auxiliary payment platform of described voice confirms that described terminal user signs described voice payment agreement, described sequence information is sent to described bank;
The auxiliary payment platform of described voice receives the payment result that described bank returns, and described payment result is sent to described terminal user.
2. method according to claim 1, it is characterized in that, described method also comprises: after the auxiliary payment platform of described voice was inquired about described terminal user's voice payment agreement according to described terminal user's number to bank, the auxiliary payment platform of described voice was judged whether signatory described voice payment agreement of described terminal user;
If described terminal user does not sign described voice payment agreement with described bank, the auxiliary payment platform of described voice sends not signatory prompting message to described terminal user; Described terminal user is after receiving described signatory prompting message, and on-hook waits for that bank's calling is with signatory described voice payment agreement; The described terminal user of described bank outgoing call; And described terminal user signs described voice payment agreement by voice prompting mode and described bank.
3. method according to claim 1, it is characterized in that, after the auxiliary payment platform of described voice was inquired about described terminal user's voice payment agreement according to described terminal user's number to bank, the auxiliary payment platform of described voice judged whether the order payment is in excess of the quota;
If the auxiliary payment platform of described voice judges that the order payment is in excess of the quota, the auxiliary payment platform of described voice sends the volume prompting message that transfinites to described terminal user; Described terminal user is after receiving the described volume prompting message that transfinites, and bank's calling is waited in on-hook;
The auxiliary payment platform of described voice sends to described bank with described sequence information;
The described terminal user of described bank outgoing call confirms described sequence information with described terminal user; And
If described terminal user confirms described sequence information, described bank returns payment result to the auxiliary payment platform of described voice, the auxiliary payment platform of described voice sends to described terminal user with described payment result after receiving the payment result that described bank returns.
4. according to any described method among the claim 1-3, it is characterized in that described sequence information comprises at least a in the bank that merchandise news, logistics information, the modes of payments and payment select for use.
5. according to claim 2 or 3 described methods, it is characterized in that: described method further comprises: before the described terminal user of described bank outgoing call, if described terminal user cancellation or revise described order; The auxiliary payment platform notifying bank of so described voice cancels this outgoing call.
6. method according to claim 1, it is characterized in that, described terminal user's sequence information is sent to the auxiliary payment platform of described voice by public network, and the auxiliary payment platform of described voice sends to described bank by national IVR system with described sequence information.
7. method according to claim 1, it is characterized in that, after the auxiliary payment platform of provincial described voice generates trading order form with described sequence information, by the platform of order number that generates and the provincial auxiliary payment platform of described voice number being sent to national IVR system with the road instruction.
8. payment platform assisted in voice, and it is characterized in that: described platform (400,600,800) comprising:
Information receiving module (402,602,802) is used for the sequence information that the receiving terminal user sends, and receives the payment result that bank returns;
Agreement enquiry module (404,604,804) is used for inquiring about to described bank according to described terminal user's number described terminal user's voice payment agreement;
Information sending module (406,606,806), be used for described agreement enquiry module (404,604,804) after the described terminal user of affirmation signs described voice payment agreement, described sequence information is sent to described bank, and after the payment result that the described bank of reception returns, described payment result is sent to described terminal user.
9. platform according to claim 8 is characterized in that, whether signatory described agreement enquiry module (604) also be used for judging described terminal user described voice payment agreement according to the Query Result that described bank returns; If described terminal user does not sign described voice payment agreement with described bank, described information sending module (606) sends not signatory prompting message to described terminal user; Described terminal user is after receiving described signatory prompting message, and on-hook waits for that bank's calling is with signatory described voice payment agreement.
10. system according to claim 8 is characterized in that, described platform (800) further comprises:
Amount of money judge module (805) is used to judge whether the order payment is in excess of the quota; If described amount of money judge module (805) judges that the order payment is in excess of the quota, described information sending module (606) sends the volume prompting message that transfinites to described terminal user; Described terminal user is after receiving the described volume prompting message that transfinites, and bank's calling is waited in on-hook.
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| CN200910223986A CN101719248A (en) | 2009-11-20 | 2009-11-20 | Voice assistant payment method and platform |
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| WO2012080793A1 (en) * | 2010-12-13 | 2012-06-21 | Alcatel Lucent | Method for processing service connection in a communication network and device thereof |
| CN104732377A (en) * | 2013-12-24 | 2015-06-24 | 中国移动通信集团辽宁有限公司 | Voice switch-over payment method and system |
| CN109660505A (en) * | 2017-10-10 | 2019-04-19 | 佳能株式会社 | System, voice operating equipment, control method and storage medium |
| CN110572434A (en) * | 2019-08-05 | 2019-12-13 | 威富通科技有限公司 | Push method and device of voice broadcast message, push server and storage medium |
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2009
- 2009-11-20 CN CN200910223986A patent/CN101719248A/en active Pending
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| WO2012080793A1 (en) * | 2010-12-13 | 2012-06-21 | Alcatel Lucent | Method for processing service connection in a communication network and device thereof |
| CN102572761A (en) * | 2010-12-13 | 2012-07-11 | 阿尔卡特朗讯 | Method and device for processing service connection in communication network |
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| US9801229B2 (en) | 2010-12-13 | 2017-10-24 | Alcatel Lucent | Method for processing service connection in a communication network and device thereof |
| CN104732377A (en) * | 2013-12-24 | 2015-06-24 | 中国移动通信集团辽宁有限公司 | Voice switch-over payment method and system |
| CN109660505A (en) * | 2017-10-10 | 2019-04-19 | 佳能株式会社 | System, voice operating equipment, control method and storage medium |
| CN109660505B (en) * | 2017-10-10 | 2022-01-14 | 佳能株式会社 | System, voice operation device, control method, and storage medium |
| US11477191B2 (en) | 2017-10-10 | 2022-10-18 | Canon Kabushiki Kaisha | System, control method for system, voice operation device, control method for voice operation device, and storage medium |
| CN110572434A (en) * | 2019-08-05 | 2019-12-13 | 威富通科技有限公司 | Push method and device of voice broadcast message, push server and storage medium |
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Application publication date: 20100602 |