CN106228365A - A kind of method of payment and device - Google Patents
A kind of method of payment and device Download PDFInfo
- Publication number
- CN106228365A CN106228365A CN201610843491.5A CN201610843491A CN106228365A CN 106228365 A CN106228365 A CN 106228365A CN 201610843491 A CN201610843491 A CN 201610843491A CN 106228365 A CN106228365 A CN 106228365A
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- payment
- information
- voice reminder
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
The invention discloses a kind of method of payment and device, relate to information technology, the Internet, trade, finance, pay, security fields, pay for numeral particularly to one, the confirmation of mobile payment and management method and device, increase and confirm link by audition inspection, make user when carrying out numeral and paying with mobile payment, voice reminder accurately can be obtained, add audition verification and memorandum management function, can find more in time and correct transaction errors, significantly reduce payment error rate, take precautions against transaction risk and user's loss, be conducive to benefiting more vast crowd, enjoy convenience in payment, Transaction Safety.
Description
Technical field
The present invention relates to information technology, the Internet, trade, finance, payment, security fields, be used for counting particularly to one
Word payment, confirmation and management method and the device of mobile payment..
Background technology
Digitized and mobile Internet epoch, numeral pays, mobile payment is more and more frequent and important, each financial machine
Constantly bring forth new ideas card payment, e-Bank payment, mobile payment, the near field such as structure, bank, enterprise pays the cashless payment side such as (NFC)
Method and technology, such as credit/deposit card class payment, ATM (ATM), the Internet bank, Alipay, wechat payment, Baidu
Payment, Huawei's payment, the payment of Visa numeral, MasterPass, WorldPay, Paypal, Apple Pay, Samsung Pay etc.
Deng, significantly improve transaction convenience, promote socio-economic development.
Current this kind of method of payment and device are mainly handed over forms such as word, character, numeral, picture, encoding of graphs
Easily confirm, when both parties use, there is also bigger deficiency and risk, transaction inconvenience can be caused, even cause transaction to damage
Mistake, Social Dispute.Such as include and be not limited to: 1, scanning the Transaction Information mistakes such as mistake, typing mistake, easily escape from eyes
(vision) observes examination & verification；2, collector do not have the free time, for fear of hurting somebody's feelings, lazy or other reasons not will pass through vision examination & verification；3、
Payment person is negligent of examination & verification；4, user's vision or sight line are not enough, and particularly old people, myope does not sees display information；5, artificial
The most even dolus malus, the data of typing mistake, use the picture figure cheating of falseness；6, it is difficult to after having concluded the business supplement letter
Breath, inconvenience query analysis afterwards；Etc..Reality often occurs payment mistake, had occurred that lawless person used it
Its two-dimension code image stealthily covers in the two-dimension code image of collector, causes payment person monetary losses, cheated, quilt when payment
Steal.
Summary of the invention
In order to make up the deficiency of existing method and apparatus, the present invention provides a kind of method of payment and device, increases by listening
Feel and check confirmation link, can take precautions against further, correct payment transaction mistake and loss.The technical scheme that the present invention uses
As follows.
1, a kind of method of payment, appoints including using computer, ATM, POS, mobile phone, panel computer, wearable device etc.
A kind of payment terminal carries out numeral and pays or mobile payment, it is characterised in that: before user confirms payment, it is automatically synthesized and plays
Comprise the voice reminder of payment information.
2, according to the 1st described method of payment, it is further characterized in that: the voice reminder being automatically synthesized and playing comprises
Beneficiary information, be similar to " you will be to the concrete beneficiaries of XXX() pay YYY (the concrete amount of money), PLSCONFM "；Voice reminder can be with
Terminal demonstration reminds occur the same period, then waits that user confirms, user is unconfirmed, withholds payment.
3, according to the method for payment described in the 1st or the 2nd any one, it is further characterized in that: after paying successfully, payment
It is automatically synthesized and plays in the terminal of side and comprise payment and/or the voice reminder of beneficiary information.
4, according to the method for payment described in the 1st to the 3rd any one, it is further characterized in that: after paying successfully, gathering
It is automatically synthesized and plays in the terminal of side and comprise collection amount and/or the voice reminder of paying party information.
5, according to the method for payment described in the 1st to the 4th any one, it is further characterized in that: after payment completes, user
At any time transaction record can be added word, picture, record, take pictures, the side information of the wherein one or more such as video recording.
6, a kind of payment mechanism, pays or mobile payment software including payment terminal equipment, numeral, and wherein payment terminal sets
Standby can be computer, ATM, POS, mobile phone, panel computer, wearable device etc. any one, it is characterised in that: voice closes
Become and playing module, before user confirms payment, be automatically synthesized and play the voice reminder comprising payment information.
7, according to the 6th described payment mechanism, it is further characterized in that: the voice reminder being automatically synthesized and playing comprises
Beneficiary information, be similar to " you will be to the concrete beneficiaries of XXX() pay YYY (the concrete amount of money), PLSCONFM "；Voice reminder can be with
Terminal demonstration reminds occur the same period, then waits that user confirms, user is unconfirmed, withholds payment.
8, according to the payment mechanism described in the 6th to the 7th any one, it is further characterized in that: after paying successfully, payment
It is automatically synthesized and plays in the terminal of side and comprise payment and/or the voice reminder of beneficiary information.
9, according to the payment mechanism described in the 6th to the 8th any one, it is further characterized in that: after paying successfully, gathering
It is automatically synthesized and plays in the terminal of side and comprise collection amount and/or the voice reminder of paying party information.
10, according to the payment mechanism described in the 6th to the 9th any one, it is further characterized in that: after payment completes, uses
Family can at any time transaction record be added word, picture, record, take pictures, the supplementary letter of the wherein one or more such as video recording
Breath.
The invention has the beneficial effects as follows:
Create a kind of method of payment and device, make user when carrying out numeral and paying with mobile payment, it is possible to obtain accurately
Voice reminder, adds audition verification and memorandum management function, can find more in time and correct transaction errors, significantly reduce
Payment error rate, strick precaution transaction risk and user's loss, be conducive to benefiting more vast crowd, enjoys convenience in payment, ensures and hand over
Easily safety.
Accompanying drawing explanation
The present invention is further described with embodiment below in conjunction with the accompanying drawings.
Fig. 1 is the embodiment schematic diagram that the present invention relates to method；
Fig. 2 is the embodiment composition frame chart that the present invention relates to device.
Detailed description of the invention
Fig. 1 is the embodiment schematic diagram that the present invention relates to method, and Fig. 2 is the embodiment composition frame chart that the present invention relates to device.
The embodiment of the method that the present invention relates to needs to implement based on corresponding payment mechanism.Wherein, Fig. 2 relates to the reality of device
Execute example by payment terminal equipment, trade processing module, voice synthetic module, voice playing module, display module, payment affirmation mould
The input of block, information and enquiry module, recording/take pictures/picture recording module, internet cloud end system composition.
In general, trade processing module, voice synthetic module, voice playing module, display module, payment affirmation mould
The input of block, information and enquiry module, the software section of recording/take pictures/picture recording module are integrated in a unified payment application
In software；Wherein record/take pictures/picture recording module is optional module, it is thus not essential to；Pay in application software, as needed for receipts
Money side is designed with gathering interface or gathering version, is designed with payment interface or payment version for paying party；Paying application software can
It is arranged in any one payment terminals such as general computer, ATM, POS, mobile phone, panel computer, wearable device and transports
OK, and by internet and internet cloud end system carry out data exchange and instruction is submitted to.For in the present invention particularly to
Content, be described as follows the most step by step.
1, pay invoice is generated: by any at computer, ATM, POS, mobile phone, panel computer, wearable device etc.
The payment software installed in a kind of payment terminal, generates pay invoice, including payment, beneficiary, shroff account number, pays
The payment transaction Back ground Information such as money side, payment account number.
2, display and voice reminder
2.1 voice reminder
2.1.1 payment, beneficiary information are extracted: automatically extracting payment, beneficiary etc. from pay invoice needs to carry
The information waken up.
2.1.2 be automatically synthesized prompting voice according to concrete payment, beneficiary information: by concrete payment,
The words such as beneficiary information are synthesized to remind in voice, generate and be similar to " you will be to the concrete beneficiaries of XXX() to pay YYY (concrete
The amount of money), PLSCONFM " prompting sound bite.For avoid beneficiary title time oversize dilatory, it may be considered that use title abbreviation generation
For the full name of beneficiary.During Function Extension, it is also contemplated that arrange language classification, support to be similar to the local dialect, in order to expand and use
Family scope, enhancing Consumer's Experience.
2.1.3 automatically play and remind voice: payment terminal plays the prompting voice that 2.1.2 link generates automatically.Suggestion
Play by speaker under default situations, in order to user people at one's side also can clearly hear, help to take precautions against mistake.Function Extension
Time, it is also contemplated that automatically prompting user when automatic detection speaker volume is arranged, broadcast sound volume is too low.
2.2 display pay invoice information: form display pay invoice information with word etc..
Voice reminder can remind occur, to improve user's ease of use the same period with terminal demonstration.
3 request users confirm: payment terminal waits that user confirms to pay accordingly request.User cancels confirmation or surpasses
Time unconfirmed time, refusal to pay；Receive after user confirms instruction and enter next step.
4, the checking of other necessity such as password is proceeded；Pay after being all verified.After paying successfully, permissible
According to arranging end payment process, it is also possible to enter the 5th step and be automatically synthesized and play the prompting voice paid.
5, it is automatically synthesized and plays the prompting voice paid: from pay invoice, automatically extract payment, gathering
Side/paying parties etc. need the information reminded, and are synthesized to remind in voice, for paying party, generate and be similar to " you to
The concrete beneficiary of XXX() pay YYY (the concrete amount of money) " prompting sound bite, for beneficiary, generate be similar to " you
Have been received by the concrete paying party of XXX() YYY (the concrete amount of money) that pays " prompting sound bite, payment terminal is play automatically accordingly
Remind voice.After finishing, can be according to arranging end payment process, it is also possible to go successively to the 6th step and add word, figure
Sheet, record, take pictures, the side information of the wherein one or more such as video recording.
6, add at any time word, picture, record, take pictures, the side information of the wherein one or more such as video recording: support
User supplements typing remark information for payment transaction records, adds various pictures, additional recording, take pictures, the explanation such as video recording, with
For inquiring about, add up, recalling in the future.This link is option, it is thus not essential to, can carry out immediately after payment transaction completes, also
Can carry out the most at any time, it is also possible to support repeatedly to supplement.
Above embodiment is only to be described the preferred embodiment of the present invention, not limits the scope of the present invention
Fixed, on the premise of designing spirit without departing from the present invention, it is various that technical scheme is made by those skilled in the art
Deformation and improvement, all should fall in the protection domain that claims of the present invention determines.
Claims (10)
1. a method of payment, including use computer, ATM, POS, mobile phone, panel computer, wearable device etc. any one
Payment terminal carries out numeral and pays or mobile payment, it is characterised in that: before user confirms payment, it is automatically synthesized and plays and comprise
The voice reminder of payment information.
2., according to 1 described method of payment of claim the, it is further characterized in that: in the voice reminder being automatically synthesized and playing
Comprise beneficiary information, be similar to " you will be to the concrete beneficiaries of XXX() pay YYY (the concrete amount of money), PLSCONFM "；Voice reminder
Can remind occur the same period with terminal demonstration, then wait that user confirms, user is unconfirmed, withholds payment.
3., according to the method for payment described in 1 or the 2nd any one of claim the, it is further characterized in that: after paying successfully,
It is automatically synthesized in the terminal of paying party and plays and comprise payment and/or the voice reminder of beneficiary information.
4., according to the method for payment described in any one of claim the 1 to the 3rd, it is further characterized in that: after paying successfully,
It is automatically synthesized in the terminal of beneficiary and plays and comprise collection amount and/or the voice reminder of paying party information.
5., according to the method for payment described in any one of claim the 1 to the 4th, it is further characterized in that: after payment completes,
User can at any time transaction record be added word, picture, record, take pictures, the wherein one or more such as video recording is supplemented
Information.
6. a payment mechanism, pays or mobile payment software including payment terminal equipment, numeral, and wherein payment terminal equipment can
Be computer, ATM, POS, mobile phone, panel computer, wearable device etc. any one, it is characterised in that: phonetic synthesis with
Playing module, before user confirms payment, is automatically synthesized and plays the voice reminder comprising payment information.
7., according to 6 described payment mechanisms of claim the, it is further characterized in that: in the voice reminder being automatically synthesized and playing
Comprise beneficiary information, be similar to " you will be to the concrete beneficiaries of XXX() pay YYY (the concrete amount of money), PLSCONFM "；Voice reminder
Can remind occur the same period with terminal demonstration, then wait that user confirms, user is unconfirmed, withholds payment.
8., according to the payment mechanism described in any one of claim the 6 to the 7th, it is further characterized in that: after paying successfully,
It is automatically synthesized in the terminal of paying party and plays and comprise payment and/or the voice reminder of beneficiary information.
9., according to the payment mechanism described in any one of claim the 6 to the 8th, it is further characterized in that: after paying successfully,
It is automatically synthesized in the terminal of beneficiary and plays and comprise collection amount and/or the voice reminder of paying party information.
10., according to the payment mechanism described in any one of claim the 6 to the 9th, it is further characterized in that: complete in payment
After, user can at any time transaction record be added word, picture, record, take pictures, the benefit of the wherein one or more such as video recording
Fill information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610843491.5A CN106228365A (en) | 2016-09-23 | 2016-09-23 | A kind of method of payment and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610843491.5A CN106228365A (en) | 2016-09-23 | 2016-09-23 | A kind of method of payment and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106228365A true CN106228365A (en) | 2016-12-14 |
Family
ID=58077362
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610843491.5A Withdrawn CN106228365A (en) | 2016-09-23 | 2016-09-23 | A kind of method of payment and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106228365A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107977839A (en) * | 2017-10-10 | 2018-05-01 | 捷开通讯(深圳)有限公司 | A kind of voice guide method of payment, mobile terminal and the device with store function |
| CN109034827A (en) * | 2018-08-30 | 2018-12-18 | Oppo广东移动通信有限公司 | Method of payment, device, wearable device and storage medium |
| CN110704010A (en) * | 2019-08-28 | 2020-01-17 | 广州亿宏信息科技有限公司 | System and method for realizing voice broadcast by monitoring payment information |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN1828651A (en) * | 2006-04-07 | 2006-09-06 | 刘进 | Method for achieving payment of one individual to another using voice and short message communication |
| CN101470875A (en) * | 2007-12-29 | 2009-07-01 | 阿里巴巴集团控股有限公司 | Method for paying through intermediate platform and paying system thereof |
| US20130124416A1 (en) * | 2011-11-11 | 2013-05-16 | Bewo Technologies Pvt. Ltd | Method and system for transferring funds over a voice call |
| US20160189137A1 (en) * | 2002-10-01 | 2016-06-30 | Tiger T G Zhou | Systems and methods for providing compensation, rebate, cashback, and reward for using mobile and wearable payment services, digital currency, nfc touch payments, mobile digital card barcode payments, and multimedia haptic capture buying |
| CN105761073A (en) * | 2016-01-29 | 2016-07-13 | 广东小天才科技有限公司 | Mobile payment method and device based on wearable device |
-
2016
- 2016-09-23 CN CN201610843491.5A patent/CN106228365A/en not_active Withdrawn
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20160189137A1 (en) * | 2002-10-01 | 2016-06-30 | Tiger T G Zhou | Systems and methods for providing compensation, rebate, cashback, and reward for using mobile and wearable payment services, digital currency, nfc touch payments, mobile digital card barcode payments, and multimedia haptic capture buying |
| CN1828651A (en) * | 2006-04-07 | 2006-09-06 | 刘进 | Method for achieving payment of one individual to another using voice and short message communication |
| CN101470875A (en) * | 2007-12-29 | 2009-07-01 | 阿里巴巴集团控股有限公司 | Method for paying through intermediate platform and paying system thereof |
| US20130124416A1 (en) * | 2011-11-11 | 2013-05-16 | Bewo Technologies Pvt. Ltd | Method and system for transferring funds over a voice call |
| CN105761073A (en) * | 2016-01-29 | 2016-07-13 | 广东小天才科技有限公司 | Mobile payment method and device based on wearable device |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107977839A (en) * | 2017-10-10 | 2018-05-01 | 捷开通讯(深圳)有限公司 | A kind of voice guide method of payment, mobile terminal and the device with store function |
| CN109034827A (en) * | 2018-08-30 | 2018-12-18 | Oppo广东移动通信有限公司 | Method of payment, device, wearable device and storage medium |
| CN110704010A (en) * | 2019-08-28 | 2020-01-17 | 广州亿宏信息科技有限公司 | System and method for realizing voice broadcast by monitoring payment information |
| CN110704010B (en) * | 2019-08-28 | 2023-03-31 | 广州亿宏信息科技有限公司 | System and method for realizing voice broadcast by monitoring payment information |
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| C06 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WW01 | Invention patent application withdrawn after publication | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20161214 |