Summary of the invention
In view of this, the purpose of design of the present invention is, it is provided that a kind of voice payment system, to improve the safety in process of exchange.
The embodiment of the present invention is achieved in that
A kind of voice payment system, including the multiple merchant transaction system being sequentially connected, voice payment equipment and transaction payment platform;
Described merchant transaction system obtains the sequence information of client by voice link, described sequence information is sent to described voice payment equipment, and obtain identification marking for this sequence information to described voice payment equipment, again by the voice link call forwarding of described client to described voice payment equipment, send, to described voice payment equipment, the sensitive information corresponding with described identification marking that the identification marking of this client inputs with described client;
Described voice payment equipment obtains the sequence information of described merchant transaction system input, the identification marking corresponding corresponding to the sequence information of described client is sent to described merchant transaction system, and described sequence information and described identification marking are sent to payment platform of concluding the business, identification marking and the sensitive information of the described client corresponding with described identification marking transmission that described merchant transaction system sends is obtained again by voice link, and this sensitive information is encrypted, the identification marking corresponding by the sensitive information after encryption associates with the identification marking foundation of described sequence information, again the sensitive information after described identification marking and encryption is sent to described transaction payment platform;
Described transaction payment platform first obtains described identification marking and the sequence information that described voice payment equipment sends, obtain identification marking and sensitive information that described voice payment equipment sends again, by described identification marking, described sequence information and sensitive information are associated as payment information, and the sensitive information in described payment information is decrypted and paid remit money, then result payment remitted money is sent to described client by described voice payment equipment and described merchant transaction system.
Preferably, in above-mentioned voice payment system, described merchant transaction system specifically includes interconnective trade company voice marketing system and trade company's sales transactions system;
Described trade company voice marketing system obtains the sequence information of described client by voice link, described sequence information is sent to described voice payment equipment by described trade company sales transactions system, again by the voice link call forwarding of described client to described voice payment equipment, and the sensitive information of the described identification marking obtained from described trade company sales transactions system and the described client corresponding with described identification marking input is sent to described voice payment equipment;
Described trade company sales transactions system sends the sequence information of described client input to described voice payment equipment, and obtain the identification marking corresponding with described sequence information to described voice payment equipment, then this described identification marking is sent to described trade company voice marketing system.
Preferably, in above-mentioned voice payment system, described voice payment equipment includes interconnective voice payment interface and voice payment safety device;
Described voice payment safety device obtains, by voice link, identification marking and the sensitive information of described client transmission that described trade company voice marketing system sends, and this sensitive information is encrypted, then the sensitive information after encryption and corresponding identification marking are sent to described voice payment interface;
Described voice payment interface receives the sequence information of described merchant transaction system in advance, and described sequence information and described identification marking are sent to described transaction payment platform, the identification marking of the sequence information corresponding to client is sent again to described merchant transaction system, receive the sensitive information after the encryption of described voice payment safety device and identification marking, then the sensitive information after described identification marking and encryption is sent to described transaction payment platform.
Preferably, in above-mentioned voice payment system, described transaction payment platform specifically includes the single payment platform of interconnective receipts and bank card business dealing platform;
Described list payment platform of receiving first obtains described identification marking and the sequence information that described voice payment equipment sends, obtain identification marking and sensitive information that described voice payment equipment sends again, by described identification marking, described sequence information and sensitive information are associated as payment information, and this payment information is sent to described bank card business dealing platform;
Described bank card business dealing platform obtains the described described payment information receiving single payment platform transmission, sensitive information in described payment information is decrypted and pays and remits money, then result payment remitted money is sent to described client by described single payment platform, described voice payment equipment and the described merchant transaction system received.
Preferably, in above-mentioned voice payment system, described sensitive information includes bank card password, credit card effective period, Credit Card Verification Code and/or bill payment password.
Preferably, in above-mentioned voice payment system, described sequence information includes service or product information, the identity information of client and the bank card information that described trade company provides.
Preferably, in above-mentioned voice payment system, described identification marking is described voice payment equipment stochastic generation.
Preferably, in above-mentioned voice payment system, described identification marking is that described voice payment equipment generates according to the phone number of described client.
Compared with prior art, the technical scheme that the present embodiment provides has the following advantages and feature:
In the scheme that the present invention provides, by cooperating of multiple merchant transaction system, voice payment equipment and transaction payment platform, the payment information of multiple clients can be carried out safe process, stolen by network by hacker with the bank card number and password avoiding client, thus improve the safety of online transaction.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is only a part of embodiment of the present invention rather than whole embodiments.Based on the embodiment in the present invention, the every other embodiment that those of ordinary skill in the art are obtained under not making creative work premise, broadly fall into the scope of protection of the invention.
Embodiments provide a kind of voice payment system, including being sequentially connected multiple merchant transaction system, voice payment equipment and transaction payment platform.
Wherein, described merchant transaction system obtains the sequence information of client by voice link, described sequence information is sent to described voice payment equipment, and obtain identification marking for this sequence information to described voice payment equipment, again by the voice link call forwarding of described client to described voice payment equipment, send, to described voice payment equipment, the sensitive information corresponding with described identification marking that the identification marking of this client inputs with described client;Described voice payment equipment obtains the sequence information of described merchant transaction system input, the identification marking corresponding corresponding to the sequence information of described client is sent to described merchant transaction system, and described sequence information and described identification marking are sent to payment platform of concluding the business, identification marking and the sensitive information of the described client corresponding with described identification marking transmission that described merchant transaction system sends is obtained again by voice link, and this sensitive information is encrypted, the identification marking corresponding by the sensitive information after encryption associates with the identification marking foundation of described sequence information, again the sensitive information after described identification marking and encryption is sent to described transaction payment platform;Described transaction payment platform first obtains described identification marking and the sequence information that described voice payment equipment sends, obtain identification marking and sensitive information that described voice payment equipment sends again, by described identification marking, described sequence information and sensitive information are associated as payment information, and the sensitive information in described payment information is decrypted and paid remit money, then result payment remitted money is sent to described client by described voice payment equipment and described merchant transaction system.
Owing to implementing of above-mentioned voice payment system exists various ways, it is described in detail below by specific embodiment:
Shown in Figure 1, shown in Fig. 1 for a kind of voice payment system 1, including the multiple merchant transaction system 11 being sequentially connected, voice payment equipment 12 and transaction payment platform 13;Described merchant transaction system 11 obtains the sequence information of client 2 by voice link, described sequence information is sent to described voice payment equipment 12, and obtain identification marking for this sequence information to described voice payment equipment 12, again by the voice link call forwarding of described client 2 to described voice payment equipment 12, send, to described voice payment equipment 12, the sensitive information corresponding with described identification marking that the identification marking of this client 2 inputs with described client 2;Described voice payment equipment 12 obtains the sequence information of described merchant transaction system 11 input, the identification marking that the sequence information corresponding to described client 2 is corresponding is sent to described merchant transaction system 11, and described sequence information and described identification marking are sent to transaction payment platform 13, identification marking and the sensitive information of the described client 2 corresponding with described identification marking transmission that described merchant transaction system 11 sends is obtained again by voice link, and this sensitive information is encrypted, the identification marking corresponding by the sensitive information after encryption associates with the identification marking foundation of described sequence information, again the sensitive information after described identification marking and encryption is sent to described transaction payment platform 13;Described transaction payment platform 13 first obtains described identification marking and the sequence information that described voice payment equipment 12 sends, obtain identification marking and sensitive information that described voice payment equipment 12 sends again, by described identification marking, described sequence information and sensitive information are associated as payment information, and the sensitive information in described payment information is decrypted and paid remit money, then result payment remitted money is sent to described client 2 by described voice payment equipment 12 and described merchant transaction system 11.
In the embodiment shown in fig. 1, owing to the safety of merchant transaction system 11 is poor, and not doing any encipherment protection, so very big by the probability of assault, the confidential information causing client is the most compromised.The problem existed based on prior art, the information of client 2 can be carried out acquisition respectively by the voice payment system 1 that the present invention provides, the sequence information of client 2 is obtained by merchant transaction system 11, the sensitive information of client 2 is obtained by voice payment equipment 12, and in voice payment equipment 12, the sensitive information of client 2 is encrypted, thus ensure that the bank card information of client 2 is the most compromised, to ensure the safety of client 2, thus improve the safety of voice payment.Wherein, described sensitive information includes bank card password, credit card effective period, Credit Card Verification Code and/or bill payment password, but is not limited to above-mentioned information, and this sensitive information can set according to actual demand.
Refer to shown in Fig. 1 and Fig. 2, shown in Fig. 2 for merchant transaction system 11, described merchant transaction system 11 specifically includes interconnective trade company voice marketing system 111 and trade company's sales transactions system 112;Described trade company voice marketing system 111 obtains the sequence information of described client 2 by voice link, described sequence information is sent to described voice payment equipment by described trade company sales transactions system 112, again by the voice link call forwarding of described client 2 to described voice payment equipment 12, and the sensitive information that the described identification marking obtained from described trade company sales transactions system 112 and the described client 2 corresponding with described identification marking input is sent to described voice payment equipment 12;Described trade company sales transactions system 112 sends the sequence information of described client 2 input to described voice payment equipment 12, and obtain the identification marking corresponding with described sequence information to described voice payment equipment 12, then this described identification marking is sent to described trade company voice marketing system 111.
Referring to shown in Fig. 1 and Fig. 3, described voice payment equipment 12 includes interconnective voice payment interface 121 and voice payment safety device 122;Described voice payment safety device 122 obtains, by voice link, identification marking and the sensitive information of described client 2 transmission that described trade company voice marketing system 11 sends, and this sensitive information is encrypted, then the sensitive information after encryption and corresponding identification marking are sent to described voice payment interface 121;Described voice payment interface 121 receives the sequence information of described merchant transaction system 11 in advance, and described sequence information and described identification marking are sent to described transaction payment platform 13, the identification marking of the sequence information corresponding to client 2 is sent again to described merchant transaction system 11, receive the sensitive information after the encryption of described voice payment safety device 122 and identification marking, then the sensitive information after described identification marking and encryption is sent to described transaction payment platform 13.
Referring to shown in Fig. 1 and Fig. 4, described transaction payment platform 13 specifically includes the single payment platform 131 of interconnective receipts and bank card business dealing platform 132;Described list payment platform 131 of receiving first obtains described identification marking and the sequence information that described voice payment equipment 12 sends, obtain identification marking and sensitive information that described voice payment equipment 12 sends again, by described identification marking, described sequence information and sensitive information are associated as payment information, and this payment information is sent to described bank card business dealing platform 132;Described bank card business dealing platform 132 obtains the described described payment information receiving single payment platform 131 transmission, sensitive information in described payment information is decrypted and pays and remits money, then result payment remitted money is sent to described client 2 by described single payment platform 131, described voice payment equipment 12 and the described merchant transaction system 11 received.
In the embodiment of Fig. 1 to Fig. 5, described sensitive information includes service or product information, the identity information of client and the bank card number that bank card password, described sequence information include that described trade company provides.Described identification marking both can be described voice payment equipment 12 stochastic generation, it is also possible to voice payment equipment 12 generates according to the phone number of described client 2.
Below in conjunction with concrete scene and structure, function and step to the system that the present invention provides are explained in detail.Refer to shown in Fig. 1 to Fig. 5, the transaction flow of the voice payment system 1 provided for the present invention shown in Fig. 5, this flow process comprises the following steps:
Step 1, client 2 send a telegraph merchant transaction system 11 by mobile phone, determine goods orders to trade company and require to pay;
Step 2, trade company's voice marketing system 111 submit sequence information to trade company's sales transactions system 112;
Step 3, trade company's sales transactions system 112 submit to order to pay request to voice payment interface 121;
Step 4, voice payment interface 121 distribute a Dynamic Recognition mark, the identification marking concluded the business as this to trade company's sales transactions system 112;And this identification marking and sequence information are sent to receiving single payment platform 131.
Step 5, trade company's sales transactions system 112 send transaction identification mark, the instruction of notice trade company voice marketing system 112 transmission transfer client 2 voice link to voice payment safety device 122 to trade company's voice marketing system 111;
Step 6, trade company's voice marketing system 111 are by the voice link call forwarding of holder to voice payment safety device 122, and give voice payment safety device using the identification marking obtained from voice payment interface 121 as with circuit-switched data transfer;
Bank card password and the identification marking of trade company's voice 111 transmission of client 2 input collected by step 7, voice payment safety device 122, bank card password is encrypted, and encrypt and be transferred to voice payment interface 121 together with identification marking of this transaction, and remove and identify trade company's voice marketing system 111 of corresponding client 2 with transaction identification and transfer voice link;
Step 8, voice payment interface 121 send identification marking and bank card password to receiving single payment platform 131, and the password and the sequence information that client 2 are sent according to identification marking are mapped as Transaction Information;
The single payment platform 131 of step 9, receipts is submitted to Transaction Information to complete payment to bank card business dealing platform 132 and is remitted money;
The transaction results receiving single payment platform 131 replied by step 10, bank card business dealing platform 132;
Transaction results, after the transaction results obtaining bank card business dealing platform 132, is returned to voice payment interface 121 by the single payment platform 131 of step 11, receipts;
Step 12, voice payment interface 121, after receiving transaction results, notify trade company's sales transactions system 112.
After step 13, trade company's sales transactions system 112 have processed transaction results, notice trade company voice marketing system 111;
Step 14, trade company's voice marketing system 111 are to client 2 real-time broadcasting transaction results, and remove the voice link with client 2.
Shown in Figure 6, Fig. 6 show the mixed-media network modules mixed-media figure of the voice payment system that the embodiment of the present invention provides, and telephone network includes but not limited to the network being made up of mobile telephone network and/or fixed telephone network etc.;And described TCP/IP network includes various communication and data network, it is available between user and trade company being encrypted communication, including the network access of online computing, surfing Internet with cell phone and relevant device;And described E1/VOIP network includes various voice communication network, it is available between user and trade company carrying out the mode of voice or data communication.
In sum, by cooperating of multiple merchant transaction system, voice payment equipment and transaction payment platform, the payment information of client is carried out safe process, is stolen by network by hacker with the bank card number and password avoiding client, thus improve the safety of online transaction.
It should be noted that the preferred embodiment that the embodiment shown in Fig. 1 to Fig. 6 is the present invention to be introduced, those skilled in the art on this basis, can be designed that more embodiment completely, do not repeat herein.
Multiple amendment to these embodiments will be apparent from for those skilled in the art, and generic principles defined herein can realize without departing from the spirit or scope of the present invention in other embodiments.Therefore, the present invention is not intended to be limited to the embodiments shown herein, and is to fit to the widest scope consistent with principles disclosed herein and features of novelty.