CN101378429A - Payment method for telephone shopping - Google Patents
Payment method for telephone shopping Download PDFInfo
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- CN101378429A CN101378429A CNA2008101194757A CN200810119475A CN101378429A CN 101378429 A CN101378429 A CN 101378429A CN A2008101194757 A CNA2008101194757 A CN A2008101194757A CN 200810119475 A CN200810119475 A CN 200810119475A CN 101378429 A CN101378429 A CN 101378429A
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Abstract
The invention discloses a payment method for telephone shopping, users firstly register bank user information, place an order to a merchant by dialing an audio telephone of a telecom grade operating platform and send and store the order information into a database of a bank audio payment system, then the telecom grade operating platform switches the user audio telephone into the bank audio payment system, after finishing the bank payment work of the order, the user confirms the information which is then returned to the merchant and the commodity distribution is started. The payment procedure realizes dual-calling party and one called party in user telephone payment procedure, avoids the occurrence of number-stealing and fake dialing in the common telephone payment procedure, and improves the security and reliability of telephone payment; simultaneously, the mode of switching the user telephone directly into the bank audio payment system improves the convenience of the telephone shopping, saves the audio expense and lowers the purchase cost, and is especially suitable for the life pace and requirements of modern people.
Description
Technical field
The present invention relates to a kind of method of payment of the communications field, particularly a kind of teleshopping method of payment of using when utilizing phone to do shopping.
Background technology
Along with social progress and work rhythm ground are accelerated, people more and more bring into use phone to do shopping.Existing teleshopping mode mainly is to utilize the audio communication interactive voice response to provide service for the user, its process comprises: the user dials voice message phone, select required commodity according to voice suggestion at the trade company place, and be that content forms the order essential information with user basic information and shopping information, be the order setting code, confirm that the back order sends to operator by trade company, again order contents is sent in the database of bank payment system through operator, after this, the user is by dialing the voice message phone of banking system, find the pay invoice of wanting according to prompting, after input password confirming identity is legal, finishes the fund payment work in the banking system and produce respective pay and confirm password, the user dials trade company's voice message phone once more, the input validation password, finish in commerce system affirmation work, realize commodity distribution the order received payment.This shopping process, though need not relate to user bank card number and password, avoided the generation of bank's card number and the stolen situation of password, the fail safe and the reliability of phone payment system have been improved, but can only carry out the payment work of an order in the bank paying process at every turn, and will be through repeatedly realizing finishing of an order after audio communication service and the charge, process is loaded down with trivial details, complicated; Simultaneously, operator not to subscriber authentication, can't divide into others and steal the phenomenon of buying in service process, has stayed certain utilized space for steal-number person, is unfavorable for protecting consumer's rights and interests.How further to improve the fail safe and the tightness of teleshopping, utilize bank's phone payment system to simplify the shopping process of teleshopping, improving shopping efficient is the problem that the present invention need solve.
Summary of the invention
In view of above-mentioned deficiency of the prior art, the present invention be intended to realize a kind of user profile accurately, true, shopping process simply, teleshopping method of payment efficiently.
The present invention is achieved through the following technical solutions:
A kind of method of payment of teleshopping is characterized in that comprising the steps:
A, registration bank-user information;
B, user dial the voice message phone of carrier class operation platform and place an order to trade company;
C, trade company send sequence information, store in the database of bank's audio communication payment system;
D, carrier class operation platform directly change user's voice message phone over to bank audio communication payment system, and the user finishes the bank paying work of order;
Behind E, the order payment affirmation, confirmation is returned trade company, and trade company carries out commodity distribution for the user.
The audio communication Service Phone of described trade company is bound mutually with the voice message phone of carrier class operation platform.
Described trade company check sequence information integrality, after confirming an order effectively sequence information is sent to bank's audio communication payment system, bank's audio communication payment system is preserved sequence information in the database of bank's audio communication payment system after checking merchant identification, otherwise, the acknowledgement of orders failure is returned the back user and is placed an order again.
Described bank audio communication payment system sends order and preserves successful information to trade company, and trade company sends the request payment information to the carrier class operation platform; The carrier class operation platform directly changes user's voice message phone in bank's audio communication payment system after confirming merchant identification and payment information; After bank's audio communication payment system is identified carrier class operation platform identity, import bank card information and use the bank-user information of phone information and storage to check, finish the bank paying work of order after the affirmation according to the user.
Described trade company also can send to the third party with effective sequence information and pay company, transmit, be saved in the database of bank's audio communication payment system through third party's payment company, the order that bank's audio communication payment system sends is preserved successful information and also is transmitted to trade company through third party's payment company, and trade company sends the request payment information to the carrier class operation platform.
Described trade company also can send to the carrier class operation platform with effective sequence information, transmit, be saved in the database of bank's audio communication payment system through the carrier class operation platform, the order that bank's audio communication payment system sends is preserved successful information and also is transmitted to trade company through the carrier class operation platform, and trade company sends the request payment information to the carrier class operation platform.
Described sequence information comprises odd numbers, serial number, the amount of money, product quantity, Shipping Address and phone.
Described bank-user information comprises user bank card number, the subscriber phone binding number and the payment transaction information that puts telephone lines into operation.
The telephone number that described user uses when dialing voice message phone is the subscriber phone that stays binding number when the bank-user information registering.
The method of payment of a kind of teleshopping of the present invention, the phone-payment business information and the special use between carrier class operation platform and the bank's audio communication payment system that utilize the user to open in advance insert passage, two callers in the subscriber phone payment process have been realized, a called payment process, prevented that the plain old telephone payment process is easily by steal-number, emit the generation of the situation of beating, the fail safe and the reliability of phone-payment have been improved, simultaneously, the mode of the directly switching bank audio communication payment system after the teleshopping, improved the convenience of teleshopping, simplified operating process, saved because of repeatedly dialing the increase that voice charge that voice message phone brings is used, reduced purchase cost, save shopping-time, be particularly suitable for modern's rhythm of life and needs.
Description of drawings
Fig. 1 is a structure flow chart of the present invention.
Embodiment
The present invention mainly comprises: user, carrier class operation platform, trade company and bank's four systems, wherein the user sends purchase order by the carrier class operation platform to trade company, after examining sequence information, trade company is saved in the database of bank's audio communication payment system, bank's audio communication payment system is after trade company sends the storage successful information, trade company sends payment request information to the carrier class operation platform, after payment information is confirmed, the carrier class operation platform directly changes user's voice message phone in bank's audio communication payment system, and the voice message phone between cancellation user and the trade company is got in touch.After bank's audio communication payment system is judged carrier class operation platform identity, according to the bank card information of user's typing with dial the number of voice message phone and deposited in the banking data base user profile in and compare, determine to finish behind the user identity bank paying work of order, and the payment successful information of placing an order begins the commodity of providing and delivering for the user for trade company, trade company.Certainly, can comprise also in the said system that the third party pays company, user's sequence information sends in bank's audio communication payment system after trade company and third party's payment company.Perhaps, the third party in the system pays company also can directly be the carrier class operation platform, and user's sequence information sends in bank's audio communication payment system through trade company and carrier class operation platform.Wherein the quantity of trade company and bank can be connected with as required a plurality of, as long as identity is confirmed in the phase mutual energy.
The present invention is described in further detail below in conjunction with accompanying drawing 1:
At first, the user need be in bank's information of registered users, and the bank-user information spinner will comprise user bank card number, the subscriber phone binding number and the payment transaction information etc. that puts telephone lines into operation, and bank is kept at these user profile in the database.Secondly, the audio communication Service Phone of trade company is bound mutually with the voice message phone of carrier class operation platform, and when the user dialed the voice message phone of carrier class operation platform like this, system can be transferred to phone in the sound information system of trade company through the carrier class operation platform automatically.
Step 1: the user initiates order through the carrier class operation platform to trade company by trade company's voice message phone of binding, the telephone number that uses when the user dials voice message phone should be the phone binding that stays number when the bank-user information registering, sequence information comprises odd numbers, serial number, the amount of money, product quantity, Shipping Address and phone.
Step 2: trade company's check sequence information integrality, after confirming an order effectively sequence information is sent to bank's audio communication payment system, simultaneously, bank's audio communication payment system is preserved sequence information in the database of bank's audio communication payment system after checking merchant identification, otherwise, the acknowledgement of orders failure, the user comes back in the step 1 and places an order.
Step 3: bank's audio communication payment system sends order and preserves successful information to trade company, and trade company sends the request payment information to the carrier class operation platform.
Step 4: the carrier class operation platform directly changes user's voice message phone in bank's audio communication payment system after confirming merchant identification and payment information, and the voice message phone between cancellation user and the trade company is got in touch.
Step 5: after bank audio communication payment system is identified carrier class operation platform identity, import bank card information and use the bank-user information of phone information and storage to carry out user identity and examine, finish the bank paying work of user's order after the affirmation according to the user.
Step 6: behind the order payment affirmation, confirmation turns back in the trade company, and trade company begins to carry out commodity distribution for the user.
Whole teleshopping process is finished, user's bank information only transmits to bank's audio communication payment system through the carrier class operation platform during this time, reduced because the unsafe factor that other link of process is brought, guaranteed the fail safe of teleshopping, simultaneously, mode by the carrier class operation platform is directly inserted the family voice message phone of migrating has also shortened shopping-time to greatest extent.The above order data are all transmitted in network, and examining of identity can be finished by the communications protocol of IP address or signature each other between trade company and carrier class operation platform and carrier class operation platform, trade company and the bank's audio communication payment system.
The present invention has realized two callers, a called payment process in the teleshopping process, be that carrier class operation platform and user are two callers, bank's audio communication payment system is called, payment process is finished fully, the generation of having avoided steal-number and having emitted the situation of beating through carrier class operation platform interface channel and actual the controlling down of user.The phone that uses in the above-mentioned teleshopping can also can be mobile phone as landline telephone; concrete execution mode is not limited to this, and any those skilled in the art think the scope that the present invention needs protection without the direct payment method of the teleshopping of the present invention that creative work can be realized in communication field.
Claims (9)
1, a kind of method of payment of teleshopping is characterized in that comprising the steps:
A, registration bank-user information;
B, user dial the voice message phone of carrier class operation platform and place an order to trade company;
C, trade company send sequence information, store in the database of bank's audio communication payment system;
D, carrier class operation platform directly change user's voice message phone over to bank audio communication payment system, and the user finishes the bank paying work of order;
Behind E, the order payment affirmation, confirmation is returned trade company, and trade company carries out commodity distribution for the user.
2, the method for payment of a kind of teleshopping according to claim 1 is characterized in that, the audio communication Service Phone of trade company is bound mutually with the voice message phone of carrier class operation platform among the described step B.
3, the method for payment of a kind of teleshopping according to claim 1 is characterized in that, described step C specifically comprises:
C1, trade company's check sequence information integrality, after confirming an order effectively sequence information is sent to bank's audio communication payment system, bank's audio communication payment system is preserved sequence information in the database of bank's audio communication payment system after checking merchant identification, otherwise, acknowledgement of orders failure turns back to that the user places an order again among the step B.
4, the method for payment of a kind of teleshopping according to claim 1 is characterized in that, described step D specifically comprises:
D1, bank's audio communication payment system send order and preserve successful information to trade company, and trade company sends the request payment information to the carrier class operation platform;
After D2, carrier class operation platform are confirmed merchant identification and payment information, user's voice message phone is directly changed in bank's audio communication payment system;
After D3, bank's audio communication payment system are identified carrier class operation platform identity, import bank card information and use the bank-user information of phone information and storage to check, finish the bank paying work of order after the affirmation according to the user.
5, the method for payment of a kind of teleshopping according to claim 3, it is characterized in that, described trade company also can send to the third party with effective sequence information and pay company, transmit, be saved in the database of bank's audio communication payment system through third party's payment company, the order that bank's audio communication payment system sends is preserved successful information and also is transmitted to trade company through third party's payment company, and trade company sends the request payment information to the carrier class operation platform.
6, the method for payment of a kind of teleshopping according to claim 3, it is characterized in that, described trade company also can send to the carrier class operation platform with effective sequence information, transmit, be saved in the database of bank's audio communication payment system through the carrier class operation platform, the order that bank's audio communication payment system sends is preserved successful information and also is transmitted to trade company through the carrier class operation platform, and trade company sends the request payment information to the carrier class operation platform.
According to the method for payment of claim 1,3,5 or 6 described a kind of teleshoppings, it is characterized in that 7, described sequence information comprises odd numbers, serial number, the amount of money, product quantity, Shipping Address and phone.
According to the method for payment of claim 1 or 4 described a kind of teleshoppings, it is characterized in that 8, described bank-user information comprises user bank card number, the subscriber phone binding number and the payment transaction information that puts telephone lines into operation.
9, the method for payment of a kind of teleshopping according to claim 1 is characterized in that, the telephone number that described user uses when dialing voice message phone is the subscriber phone that stays binding number when the bank-user information registering.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008101194757A CN101378429A (en) | 2008-09-01 | 2008-09-01 | Payment method for telephone shopping |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2008101194757A CN101378429A (en) | 2008-09-01 | 2008-09-01 | Payment method for telephone shopping |
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| Publication Number | Publication Date |
|---|---|
| CN101378429A true CN101378429A (en) | 2009-03-04 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2008101194757A Pending CN101378429A (en) | 2008-09-01 | 2008-09-01 | Payment method for telephone shopping |
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| CN (1) | CN101378429A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2012155730A1 (en) * | 2011-08-15 | 2012-11-22 | 中兴通讯股份有限公司 | Method and system of telephone reservation service |
| CN102930430A (en) * | 2011-08-09 | 2013-02-13 | 中兴通讯股份有限公司 | Telephone payment system and telephone payment method |
| 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 |
| CN108810295A (en) * | 2018-03-28 | 2018-11-13 | 平安科技（深圳）有限公司 | Service providing method, electronic equipment and storage medium |
-
2008
- 2008-09-01 CN CNA2008101194757A patent/CN101378429A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102930430A (en) * | 2011-08-09 | 2013-02-13 | 中兴通讯股份有限公司 | Telephone payment system and telephone payment method |
| WO2012155730A1 (en) * | 2011-08-15 | 2012-11-22 | 中兴通讯股份有限公司 | Method and system of telephone reservation service |
| CN102938119A (en) * | 2011-08-15 | 2013-02-20 | 中兴通讯股份有限公司 | Method and system for telephone booking business |
| 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 |
| CN108810295A (en) * | 2018-03-28 | 2018-11-13 | 平安科技（深圳）有限公司 | Service providing method, electronic equipment and storage medium |
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Open date: 20090304 |