CN102419847A - Voice payment system - Google Patents
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- CN102419847A CN102419847A CN2012100103742A CN201210010374A CN102419847A CN 102419847 A CN102419847 A CN 102419847A CN 2012100103742 A CN2012100103742 A CN 2012100103742A CN 201210010374 A CN201210010374 A CN 201210010374A CN 102419847 A CN102419847 A CN 102419847A
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Abstract
The invention discloses a voice payment system, which comprises a merchant transaction system, voice payment equipment and a transaction payment platform which are connected in turn. By mutual matching of the merchant transaction system, the voice payment equipment and the transaction payment platform, payment information at a client is safely processed to prevent a card number and a password of a bank card at the client from being stolen by a hacker through a network. The voice payment system can respectively acquire information of the client, acquires order information of the client through the merchant transaction system, acquires payment information of the client through the voice payment equipment, and encrypts the payment information of the client in the voice payment equipment to prevent the bank card information of the client from being divulged and ensure the security of the client so as to improve voice payment security.
Description
Technical field
The present invention relates to the voice payment technical field, in particular, relate to voice payment system.
Background technology
Voice payment is the novel modes of payments of in the process of calling, paying and concluding the business.Existing voice payment mode is connected for the user sets up voice through phone and merchant transaction platform; The merchant transaction platform can obtain the information such as phone number, bank card number and bank card password that the user provides; The merchant transaction platform is sent to the information that the user provides in the trading payment system through network again; Trading payment system can be notified the merchant transaction platform after the corresponding bank card number of this phone number is deducted fees, and the merchant transaction platform provides corresponding service or product for the user again.
In research and practice process to prior art, inventor of the present invention finds that there is following problem in prior art:
The user is in the process of transaction of paying through phone; User's bank card number and password are often stolen through network by the hacker; The hacker will steal the bank card personal information that comes and duplicate, and pay to be used for shopping online, thereby illegally extract user's bank card fund.
Therefore, how to improve the security in the process of exchange, become the problem that needs most solution at present.
Summary of the invention
In view of this, purpose of design of the present invention is, a kind of voice payment system is provided, to improve the security in the process of exchange.
The embodiment of the invention is achieved in that
A kind of voice payment system comprises the merchant transaction system, voice payment equipment and the transaction payment platform that link to each other successively;
Said merchant transaction system obtains the sequence information of client through voice link; Said sequence information is sent in the said voice payment equipment; And obtain identification marking to said voice payment equipment to this sequence information; Again with the voice link call forwarding of said client in said voice payment equipment, send the identification marking of this client and the sensitive information corresponding of said client input to said voice payment equipment with said identification marking;
Said voice payment equipment obtains the sequence information of said merchant transaction system input; Send corresponding to the corresponding identification marking of the sequence information of said client to said merchant transaction system; And said sequence information and said identification marking be sent to the transaction payment platform; Obtain identification marking that said merchant transaction system sends and the sensitive information that sends with the corresponding said client of said identification marking through voice link again; And this sensitive information encrypted; Identification marking through the sensitive information after encrypting is corresponding is related with the identification marking foundation of said sequence information, again the sensitive information after said identification marking and the encryption is sent to said transaction payment platform;
Said transaction payment platform obtains said identification marking and the sequence information that said voice payment equipment sends earlier; Obtain identification marking and sensitive information that said voice payment equipment sends again; Carry out related through said identification marking to said sequence information and sensitive information as payment information; And the sensitive information in the said payment information deciphered and pay and remit money, the result who again payment is remitted money sends to said client through said voice payment equipment and said merchant transaction system.
Preferably, in above-mentioned voice payment system, said merchant transaction system specifically comprises interconnective trade company voice marketing system and sales transactions system of trade company;
Said trade company voice marketing system is obtained the sequence information of said client through voice link; Said sequence information is sent in the said voice payment equipment through sales transactions system of said trade company; Again with the voice link call forwarding of said client to said voice payment equipment, and the sensitive information that the said identification marking that will obtain from sales transactions system of said trade company and the said client corresponding with said identification marking are imported sends to said voice payment equipment;
Sales transactions system of said trade company sends the sequence information of said client input to said voice payment equipment; And obtain the identification marking corresponding with said sequence information to said voice payment equipment, should send to said trade company voice marketing system by said identification marking again.
Preferably, in above-mentioned voice payment system, said voice payment equipment comprises interconnective voice payment interface and voice payment safety feature;
Said voice payment safety feature obtains the identification marking of said trade company voice marketing system transmission and the sensitive information that said client is sent through voice link; And this sensitive information encrypted, the sensitive information after will encrypting again sends to said voice payment interface with corresponding identification marking;
Said voice payment interface receives the sequence information of said merchant transaction system in advance; And said sequence information and said identification marking be sent to said transaction payment platform; Send identification marking to said merchant transaction system again corresponding to the sequence information of client; Receive sensitive information and identification marking after said voice payment safety feature is encrypted, again the sensitive information after said identification marking and the encryption is sent to said transaction payment platform.
Preferably, in above-mentioned voice payment system, said transaction payment platform specifically comprises single payment platform of interconnective receipts and bank card business dealing platform;
The single payment platform of said receipts obtains said identification marking and the sequence information that said voice payment equipment sends earlier; Obtain identification marking and sensitive information that said voice payment equipment sends again; Through said identification marking said sequence information and sensitive information are carried out relatedly, and this payment information is sent to said bank card business dealing platform as payment information;
Said bank card business dealing platform obtains the said payment information that the single payment platform of said receipts sends; Sensitive information in the said payment information is deciphered and paid and remit money, and the result who again payment is remitted money sends to said client through the single payment platform of said receipts, said voice payment equipment and said merchant transaction system.
Preferably, in above-mentioned voice payment system, said sensitive information comprises bank card password, the credit card term of validity, credit card validation sign indicating number and/or bill payment password.
Preferably, in above-mentioned voice payment system, said sequence information comprises service or product information, client identity authentication information and the bank card information that said trade company provides.
Preferably, in above-mentioned voice payment system, said identification marking is that said voice payment equipment generates at random.
Preferably, in above-mentioned voice payment system, to be said voice payment equipment generate according to the phone number of said client said identification marking.
Compared with prior art, the technical scheme that provides of present embodiment has the following advantages and characteristics:
In scheme provided by the invention; Through cooperatively interacting of merchant transaction system, voice payment equipment and transaction payment platform; Payment information to client carries out safe processing; Bank card number and password to avoid client are stolen through network by the hacker, thereby have improved the security of online transaction.
Description of drawings
In order to be illustrated more clearly in the present invention or technical scheme of the prior art; To do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below; Obviously, the accompanying drawing in describing below only is some embodiments of the present invention, for those of ordinary skills; Under the prerequisite of not paying creative work, can also obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the module map of a kind of voice payment system provided by the present invention;
Fig. 2 is the module map of merchant transaction provided by the present invention system;
Fig. 3 is the module map of voice payment equipment provided by the present invention;
Fig. 4 is the module map of transaction payment platform provided by the present invention;
Fig. 5 is the transaction flow of voice payment system provided by the present invention.
Embodiment
To combine the accompanying drawing in the embodiment of the invention below, the technical scheme in the embodiment of the invention is carried out clear, intactly description, obviously, described embodiment only is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills are not making the every other embodiment that is obtained under the creative work prerequisite, all belong to the scope of the present invention's protection.
The embodiment of the invention provides a kind of voice payment system, comprises link to each other successively merchant transaction system, voice payment equipment and transaction payment platform.
Wherein, Said merchant transaction system obtains the sequence information of client through voice link; Said sequence information is sent in the said voice payment equipment; And obtain identification marking to said voice payment equipment to this sequence information, again with the voice link call forwarding of said client in said voice payment equipment, send the identification marking of this client and the sensitive information corresponding of said client input to said voice payment equipment with said identification marking; Said voice payment equipment obtains the sequence information of said merchant transaction system input; Send corresponding to the corresponding identification marking of the sequence information of said client to said merchant transaction system; And said sequence information and said identification marking be sent to the transaction payment platform; Obtain identification marking that said merchant transaction system sends and the sensitive information that sends with the corresponding said client of said identification marking through voice link again; And this sensitive information encrypted; Identification marking through the sensitive information after encrypting is corresponding is related with the identification marking foundation of said sequence information, again the sensitive information after said identification marking and the encryption is sent to said transaction payment platform; Said transaction payment platform obtains said identification marking and the sequence information that said voice payment equipment sends earlier; Obtain identification marking and sensitive information that said voice payment equipment sends again; Carry out related through said identification marking to said sequence information and sensitive information as payment information; And the sensitive information in the said payment information deciphered and pay and remit money, the result who again payment is remitted money sends to said client through said voice payment equipment and said merchant transaction system.
Because there is multiple mode in the concrete realization of above-mentioned voice payment system, is elaborated through specific embodiment below:
See also shown in Figure 1ly, shown in Figure 1 is a kind of voice payment system 1, comprises the merchant transaction system 11, voice payment equipment 12 and the transaction payment platform 13 that link to each other successively; Said merchant transaction system 11 obtains the sequence information of client 2 through voice link; Said sequence information is sent in the said voice payment equipment 12; And obtain identification marking to said voice payment equipment 12 to this sequence information; Again with the voice link call forwarding of said client 2 in said voice payment equipment 12, send the identification marking of these clients 2 and the sensitive information corresponding of said client 2 inputs to said voice payment equipment 12 with said identification marking; Said voice payment equipment 12 obtains the sequence information of said merchant transaction system 11 inputs; Send corresponding to the corresponding identification marking of the sequence information of said client 2 to said merchant transaction system 11; And said sequence information and said identification marking be sent to transaction payment platform 13; Obtain identification marking that said merchant transaction system 11 sends and the sensitive information that sends with the corresponding said client 2 of said identification marking through voice link again; And this sensitive information encrypted; Identification marking through the sensitive information after encrypting is corresponding is related with the identification marking foundation of said sequence information, again the sensitive information after said identification marking and the encryption is sent to said transaction payment platform 13; Said transaction payment platform 13 obtains said identification marking and the sequence information that said voice payment equipment 12 sends earlier; Obtain identification marking and sensitive information that said voice payment equipment 12 sends again; Carry out related through said identification marking to said sequence information and sensitive information as payment information; And the sensitive information in the said payment information deciphered and pay and remit money, the result who again payment is remitted money sends to said client 2 through said voice payment equipment 12 with said merchant transaction system 11.
In the embodiment shown in fig. 1, because the security of merchant transaction system 11 is relatively poor, and does not do any encipherment protection, thus very big by the possibility of assault, cause client's confidential information to be revealed easily.Problem based on the prior art existence; Voice payment system 1 provided by the invention can divide other to obtain the information of client 2, obtains the sequence information of client 2 through merchant transaction system 11, obtains the sensitive information of client 2 through voice payment equipment 12; And in voice payment equipment 12, the sensitive information of client 2 is encrypted; Thereby the bank card information that guarantees client 2 is not revealed, with the safety of assurance client 2, thus the security that improves voice payment.Wherein, said sensitive information comprises bank card password, the credit card term of validity, credit card validation sign indicating number and/or bill payment password, but is not defined as above-mentioned information, and this sensitive information can be set according to the demand of reality.
See also illustrated in figures 1 and 2ly, shown in Figure 2 is merchant transaction system 11, and said merchant transaction system 11 specifically comprises interconnective trade company voice marketing system 111 and sales transactions system of trade company 112; Said trade company voice marketing system 111 is obtained the sequence information of said client 2 through voice link; Said sequence information is sent in the said voice payment equipment through sales transactions system of said trade company 112; Again with the voice link call forwarding of said client 2 to said voice payment equipment 12, and the sensitive information that the said identification marking that will obtain from sales transactions system of said trade company 112 and the said client 2 corresponding with said identification marking are imported sends to said voice payment equipment 12; Sales transactions system of said trade company 112 sends the sequence information of said client 2 inputs to said voice payment equipment 12; And obtain the identification marking corresponding with said sequence information to said voice payment equipment 12, should send to said trade company voice marketing system 111 by said identification marking again.
See also Fig. 1 and shown in Figure 3, said voice payment equipment 12 comprises interconnective voice payment interface 121 and voice payment safety feature 122; Said voice payment safety feature 122 obtains the identification marking of said trade company voice marketing system 11 transmissions and the sensitive information that said client 2 is sent through voice link; And this sensitive information encrypted, the sensitive information after will encrypting again sends to said voice payment interface 121 with corresponding identification marking; Said voice payment interface 121 receives the sequence information of said merchant transaction system 11 in advance; And said sequence information and said identification marking be sent to said transaction payment platform 13; The identification marking that sends corresponding to the sequence information of client 2 to said merchant transaction system 11 again; Receive sensitive information and identification marking after said voice payment safety feature 122 is encrypted, again the sensitive information after said identification marking and the encryption is sent to said transaction payment platform 13.
See also Fig. 1 and shown in Figure 4, said transaction payment platform 13 specifically comprises single payment platform 131 of interconnective receipts and bank card business dealing platform 132; The single payment platform 131 of said receipts obtains said identification marking and the sequence information that said voice payment equipment 12 sends earlier; Obtain identification marking and sensitive information that said voice payment equipment 12 sends again; Through said identification marking said sequence information and sensitive information are carried out relatedly, and this payment information is sent to said bank card business dealing platform 132 as payment information; Said bank card business dealing platform 132 obtains the said payment information that the single payment platform 131 of said receipts sends; Sensitive information in the said payment information is deciphered and paid and remit money, and the result who again payment is remitted money sends to said client 2 through the single payment platform of said receipts 131, said voice payment equipment 12 and said merchant transaction system 11.
In the embodiment of Fig. 1 to Fig. 5, said sensitive information comprises bank card password, and said sequence information comprises service or product information, client identity authentication information and the bank card number that said trade company provides.Said identification marking both can generate for said voice payment equipment 12 at random, also can voice payment equipment 12 generates according to the phone number of said client 2.
Below in conjunction with concrete scene and structure, the function and the step of system provided by the invention are carried out detailed elaboration.See also Fig. 1 to shown in Figure 5, shown in Figure 5 is the transaction flow of voice payment system 1 provided by the invention, and this flow process may further comprise the steps:
Step 2, trade company's voice marketing system 111 are submitted sequence information to sales transactions system of trade company 112;
Step 3, sales transactions system of trade company 112 submit the order Payment Request to voice payment interface 121;
Step 4, voice payment interface 121 distribute a Dynamic Recognition sign to sales transactions system of trade company 112, as the identification marking of this transaction; And this identification marking and sequence information be sent to receive single payment platform 131.
Step 5, sales transactions system of trade company 112 send the transaction identification sign to trade company's voice marketing system 111, and notice trade company voice marketing system 112 is sent the instruction of shifting client 2 voice links to voice payment safety feature 122;
Step 6, trade company's voice marketing system 111 arrive voice payment safety feature 122 with holder's voice link call forwarding, and will give the voice payment safety feature as shifting with circuit-switched data from the identification marking that voice payment interface 121 obtains;
Step 7, voice payment safety feature 122 are collected the bank card password of client 2 inputs and the identification marking that trade company's voice 111 send; Bank card password is encrypted; And encrypt together with the identification marking of this transaction and be transferred to voice payment interface 121, and dismounting and trade company's voice marketing system 111 of transaction identification sign clients corresponding 2 voice links of transferring;
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 of client 2 being sent according to identification marking are mapped as Transaction Information;
Step 9, the single payment platform 131 of receipts are submitted to Transaction Information to bank card business dealing platforms 132 to accomplish payment and are remitted money;
Step 10, bank card business dealing platform 132 are replied the transaction results of receiving single payment platform 131;
After step 13, sales transactions system of trade company 112 handle 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 the voice link of dismounting and client 2.
In sum; Through cooperatively interacting of merchant transaction system, voice payment equipment and transaction payment platform; Payment information to client carries out safe processing, is stolen through network by the hacker with bank card number and the password of avoiding client, thereby has improved the security of online transaction.
Need to prove that Fig. 1 is the preferred embodiment that the present invention introduces to embodiment shown in Figure 5, those skilled in the art can design more embodiment on this basis fully, therefore do not give unnecessary details herein.
Multiple modification to these embodiment will be conspicuous concerning those skilled in the art, and defined General Principle can realize under the situation that does not break away from the spirit or scope of the present invention in other embodiments among this paper.Therefore, the present invention will can not be restricted to these embodiment shown in this paper, but will meet and principle disclosed herein and features of novelty the wideest corresponding to scope.
Claims (8)
1. a voice payment system is characterized in that, comprises the merchant transaction system, voice payment equipment and the transaction payment platform that link to each other successively;
Said merchant transaction system obtains the sequence information of client through voice link; Said sequence information is sent in the said voice payment equipment; And obtain identification marking to said voice payment equipment to this sequence information; Again with the voice link call forwarding of said client in said voice payment equipment, send the identification marking of this client and the sensitive information corresponding of said client input to said voice payment equipment with said identification marking;
Said voice payment equipment obtains the sequence information of said merchant transaction system input; Send corresponding to the corresponding identification marking of the sequence information of said client to said merchant transaction system; And said sequence information and said identification marking be sent to the transaction payment platform; Obtain identification marking that said merchant transaction system sends and the sensitive information that sends with the corresponding said client of said identification marking through voice link again; And this sensitive information encrypted; Identification marking through the sensitive information after encrypting is corresponding is related with the identification marking foundation of said sequence information, again the sensitive information after said identification marking and the encryption is sent to said transaction payment platform;
Said transaction payment platform obtains said identification marking and the sequence information that said voice payment equipment sends earlier; Obtain identification marking and sensitive information that said voice payment equipment sends again; Carry out related through said identification marking to said sequence information and sensitive information as payment information; And the sensitive information in the said payment information deciphered and pay and remit money, the result who again payment is remitted money sends to said client through said voice payment equipment and said merchant transaction system.
2. voice payment system according to claim 1 is characterized in that, said merchant transaction system specifically comprises interconnective trade company voice marketing system and sales transactions system of trade company;
Said trade company voice marketing system is obtained the sequence information of said client through voice link; Said sequence information is sent in the said voice payment equipment through sales transactions system of said trade company; Again with the voice link call forwarding of said client to said voice payment equipment, and the sensitive information that the said identification marking that will obtain from sales transactions system of said trade company and the said client corresponding with said identification marking are imported sends to said voice payment equipment;
Sales transactions system of said trade company sends the sequence information of said client input to said voice payment equipment; And obtain the identification marking corresponding with said sequence information to said voice payment equipment, should send to said trade company voice marketing system by said identification marking again.
3. voice payment system according to claim 1 is characterized in that, said voice payment equipment comprises interconnective voice payment interface and voice payment safety feature;
Said voice payment safety feature obtains the identification marking of said trade company voice marketing system transmission and the sensitive information that said client is sent through voice link; And this sensitive information encrypted, the sensitive information after will encrypting again sends to said voice payment interface with corresponding identification marking;
Said voice payment interface receives the sequence information of said merchant transaction system in advance; And said sequence information and said identification marking be sent to said transaction payment platform; Send identification marking to said merchant transaction system again corresponding to the sequence information of client; Receive sensitive information and identification marking after said voice payment safety feature is encrypted, again the sensitive information after said identification marking and the encryption is sent to said transaction payment platform.
4. voice payment system according to claim 1 is characterized in that, said transaction payment platform specifically comprises single payment platform of interconnective receipts and bank card business dealing platform;
The single payment platform of said receipts obtains said identification marking and the sequence information that said voice payment equipment sends earlier; Obtain identification marking and sensitive information that said voice payment equipment sends again; Through said identification marking said sequence information and sensitive information are carried out relatedly, and this payment information is sent to said bank card business dealing platform as payment information;
Said bank card business dealing platform obtains the said payment information that the single payment platform of said receipts sends; Sensitive information in the said payment information is deciphered and paid and remit money, and the result who again payment is remitted money sends to said client through the single payment platform of said receipts, said voice payment equipment and said merchant transaction system.
5. according to any described voice payment system of claim 1-4, it is characterized in that said sensitive information comprises bank card password, the credit card term of validity, credit card validation sign indicating number and/or bill payment password.
6. according to any described voice payment system of claim 1-4, it is characterized in that said sequence information comprises service or product information, client identity authentication information and the bank card information that said trade company provides.
7. voice payment system according to claim 1 is characterized in that, said identification marking is that said voice payment equipment generates at random.
8. voice payment system according to claim 1 is characterized in that, to be said voice payment equipment generate according to the phone number of said client said identification marking.
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| CN201210010374.2A CN102419847B (en) | 2012-01-12 | 2012-01-12 | Voice payment system |
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| CN201210010374.2A CN102419847B (en) | 2012-01-12 | 2012-01-12 | Voice payment system |
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| WO2014201780A1 (en) * | 2013-06-20 | 2014-12-24 | Tencent Technology (Shenzhen) Company Limited | Method, apparatus and system for payment validation |
| CN106096966A (en) * | 2016-06-08 | 2016-11-09 | 杭州臻财科技有限公司 | A kind of fingerprint payment system |
| CN104599117B (en) * | 2013-11-19 | 2017-04-12 | 腾讯科技（深圳）有限公司 | Method and device for completing payment through clients and payment system |
| CN109460999A (en) * | 2018-09-28 | 2019-03-12 | 珠海横琴现联盛科技发展有限公司 | Payment information method based on optical character identification |
| CN109660505A (en) * | 2017-10-10 | 2019-04-19 | 佳能株式会社 | System, voice operating equipment, control method and storage medium |
| US11176543B2 (en) | 2018-09-22 | 2021-11-16 | Mastercard International Incorporated | Voice currency token based electronic payment transactions |
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| CN102419847B (en) | 2015-04-22 |
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Address after: 528000 floor 3, tower 1, Degao xinyilian Financial Plaza, No. 15, Ronghe Road, Guicheng Street, Nanhai District, Foshan City, Guangdong Province (residence declaration) Patentee after: EASYLINK PAYMENT Co.,Ltd. Address before: A1-403, 4th floor, building 1, phase I, Guangdong Xiaxi International Rubber and plastic city, Nanping West Road, Guicheng Street, Nanhai District, Foshan City, Guangdong Province, 528200 Patentee before: EASYLINK PAYMENT Co.,Ltd. |
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