CN1442810A - Method of confirming and paying in proceeding commodity marketing using telecommunication technology - Google Patents
Method of confirming and paying in proceeding commodity marketing using telecommunication technology Download PDFInfo
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- CN1442810A CN1442810A CN 02114924 CN02114924A CN1442810A CN 1442810 A CN1442810 A CN 1442810A CN 02114924 CN02114924 CN 02114924 CN 02114924 A CN02114924 A CN 02114924A CN 1442810 A CN1442810 A CN 1442810A
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Abstract
A method for using telecommunication technology to confirm the sales of commodities and pay for its features that an ID code database is created. Each ID code contains the information about sales department, product, price and service, which can be obtained by inputting the IC code. The identity of user can be recognized by its mobile telephone number and its preserved cipher.
Description
Technical field
The present invention relates to telecommunication technology, specifically utilize telecommunication technology to carry out the method for the affirmation and the payment for goods payment of merchandise sales, the user realizes high efficiency merchandise sales between user and the businessman by mobile phone or wire telephony through banking system and center, identification code data storehouse.
Background technology
In present commodity direct selling process, generally be that trade company makes advertisement or serve ads at medium (TV, radio station, newspaper, periodical, Internet network etc.), introduce the function, performance, price of product etc., announce telephone number or the address of retail point and the contact method of oneself simultaneously.In advertisement, leave contact method or the address, retail point or the telephone number of user's trade company for.
Potential consumer (hereinafter being called the consumer) is after seeing or hearing, a kind of mode is that the consumer directly buys to the retail point; Another kind of mode be the consumer by telephone contact trade company, the requirement of oneself be described, pay trade company by the bank transfer or the mode of mail remittance with payment for goods, trade company's arrangement home delivery service or mailing.
In a kind of mode in back, the user makes the requirement of oneself clear by telephone contact trade company, and Payment Methods adopt to pay the bill earlier and afterwards deliver, or adopts the mode of cashing on delivery.
Afterwards deliver if adopting pays the bill earlier, the user need pay trade company with fund by the bank transfer or the mode of mail remittance, on money order, indicate oneself ship-to and needed product simultaneously, after this payment for goods is received by trade company, arrange delivery (for example adopting modes such as home delivery service or mailing).
If adopt the mode cash on delivery, the consumer gives trade company with the fund direct payment after checking and accepting goods, for example directly pays for it in cash to the sender etc., and this mode consumer prefers.
In the commodity direct selling process of reality, dispute often takes place in trade company and consumer, and this mainly causes owing to following problem:
1) because advertisement content is more, and the consumer may not remember the title of commodity clearly, mistake takes place when shopping easily.
2) might cause the error of communication because the consumer is general owing to artificial reason with the mode of making a phone call and trade company's communication, cause problems such as misregistration, cause dispute in the future.
3) payment link trouble, inefficiency.
4) behind consumer's remittance, out of hand to remaining link, in follow-up bargain link, be in passive state.
5) because the problems such as prestige of trade company, trade company after receiving consumer's remittance, commodity of ordering to the consumer or giving consumer's goods is not the desired goods of consumer not, or defective in quality etc.., trade company produces the denial behavior, causes a large amount of disputes, and this situation is of common occurrence.
6) problems such as quality of delivery person, trade company feels worried when allowing delivery person collect money.
7) whole shopping process is loaded down with trivial details, and it is inconvenient that the user feels.
Owing to carry out products propaganda by medium such as TVs at present, more and more by the mode of direct selling, Internet network selling, mailing etc., the consumer presses for the product that a kind of mode is simply and easily bought advertising.
Summary of the invention
Purpose of the present invention is intended to overcome above-mentioned the deficiencies in the prior art; a kind of legitimate rights and interests that can protect the consumer are conscientiously proposed; simplify sales aid; can take into account the interests of trade company again; improve the efficient of merchandise sales; make things convenient for the consumer, accomplish that the telecommunication technology that utilizes of consumer and trade company's doulbe-sides' victory carries out the method for the affirmation and the payment for goods payment of merchandise sales.
Realize the technical scheme of above-mentioned purpose: a kind of affirmation that telecommunication technology carries out merchandise sales and method of payment for goods payment utilized comprises following treatment scheme:
1) sets up the identification code data storehouse, each identification code corresponding trade company, product, price and an information on services;
2) consumer reserves the professional password that uses the identification code shopping at center, identification code data storehouse;
3) consumer checks the information of identification code of required shopping by phone to center, identification code data storehouse;
4) the Advise By Wire consumer is passed through with trade company, product, price and the information on services of this identification code correspondence in center, identification code data storehouse;
5) if the consumer confirms to buy, then, change 6) to the professional password of center, identification code data storehouse input oneself; Otherwise, change 2);
6) consumer's the professional password of identification code is checked in center, identification code data storehouse after receiving consumer's affirmation information, if check success, changes 7); If password mistake, center, identification code data storehouse are notified the consumer professional password mistake, change 2);
7) mind-set bank sends pre-purchase instruction in the identification code data storehouse, and with the required payment of consumer notifying bank, this consumer's account balance of bank examination is if the account deficiency changes 8); Otherwise change 9);
8) bank's notice identification code data storehouse center consumer's account deficiency, center, identification code data storehouse reinforms consumer's account deficiency, changes 2);
9) bank should required payment go to another advance account from consumer account, withholdd successfully in advance in notice center, identification code data storehouse;
1) center, identification code data storehouse notifies this identification code pairing trade company consumer's the telephone number and the request of buying, and tells the success of this trade company's payment in advance;
11) the pairing trade company of this identification code requires to carry out deliver goods according to the consumer;
12) if adopt the mode of cashing on delivery, then the consumer checks after receiving commodity, changes 14); If adopt the mode of payment back deliver goods earlier, then change 13);
13) trade company is after sending goods, with delivery or certificate of mailing notifies the consumer, and the payment of notice center, identification code data storehouse, center, identification code data storehouse is sent the advice of payment by phone to the user;
14) if the user confirms payment, by the professional password of phone input payment instruction and oneself reservation, if the consumer refuses payment, the professional password of the instruction that input is refused payment and the identification code of reservation is dealt into center, identification code data storehouse with instruction;
15) identification code data storehouse centronucleus if password is correct, changes 17 to the professional password of consumer's identification code); Otherwise change 16);
16) consumer is notified at center, identification code data storehouse, professional password mistake, the consumer resends payment or refuses payment instruction, changes 14);
17) center, identification code data storehouse judges that user instruction is payment instruction or refuses payment instruction, if payment instruction changes 18); The instruction if refuse payment changes 19);
18) consumer is notified at center, identification code data storehouse successful payment, this trade company is notified at center, identification code data storehouse, the consumer is successful payment, identification code data storehouse center notifying bank is given to this trade company with this fund from advance account, the delivery person of trade company's notice oneself is successful payment, changes 2);
19) center, identification code data storehouse is after receiving consumer's notice of nonpayment, check and notify the cancellation of consumer's payment in advance, notify trade company simultaneously, the consumer refuses payment, and notifying bank goes back to the fund of this identification code correspondence this consumer's bank account from advance account;
2) closing the transaction.
Described phone is a mobile phone, and mobile phone communicates by USSD mode or short message way or mobile data mode and center, identification code data storehouse.
Adopt technique scheme, the technical progress that the present invention gives prominence to is: the ingenious identification code that is provided with.The consumer utilizes identification code to solve the identification problem of commodity and service, and the user can directly obtain the content and the price of commodity, service by the input identification code, can well distinguish commodity and service; Whether the password of reserving by Mobile Directory Number and user has solved user's identification problem, can use the moving control of householder to pay the bill, and has protected consumer's legitimate rights and interests greatly; By networking, solved the payment problem of whole link with center, identification code data storehouse and bank; Utilize mobile phone technology (short message way, non-constructed supplementary business (USSD) and mobile data transport service (GPRS or CDMA is 20001x, 3G data etc.)) the comprehensive use of technology, solved the problem of oversimplifying of using, simplified user's operating process, made things convenient for the identification problem of user, the denial behavior of trade company during different in the characteristic of the product of having avoided user in the future to think being bought and the advertisement at media advertisement (TV, radio station, network, publication, promotional pamphlet etc.) product.In addition; because the affirmation of above-mentioned identification code and the modes of payments of payment for goods are all finished by mobile phone or wire telephony; and the deliver goods mode all is provided with the payment in advance link after borrowing Payment Methods or payment earlier, and whole process does not have other people to intervene, and can protect consumer's legitimate rights and interests conscientiously; simplify sales aid; can take into account the interests of trade company again, improve the efficient of merchandise sales, make things convenient for the consumer; accomplish consumer and trade company's doulbe-sides' victory, realize the high-level efficiency payment of merchandise sales payment for goods.
In sum, the inventive method is simple, ingenious, is that a kind of practical telecommunication technology that utilizes carries out the method for the affirmation and the payment for goods payment of merchandise sales.
Below by embodiment, the present invention is further illustrated:
Embodiment
Embodiment one: a kind of affirmation that mobile phone carries out merchandise sales and method of payment for goods payment utilized, at first, set up the identification code data storehouse, each identification code corresponding trade company, product, price and an information on services; Then, co-operative contract is signed at bank and center, identification code data storehouse, carry out the identification code business jointly, desire uses the consumer wants and the bank of deposit of identification code to sign an agreement, illustrate and oneself need utilize identification code to carry out shopping activity, simultaneously oneself mobile phone and the account No. of oneself (bank card, deposit account number etc.) are set up corresponding relation; While and identification code operator sign a contract, and application uses the identification code shopping professional, the professional password that reservation simultaneously needs when using identification code professional.
Further specify the method treatment scheme of the affirmation that utilizes mobile phone to carry out merchandise sales and payment for goods payment below in two kinds of situation: one) for the method treatment scheme of the affirmation and the payment for goods payment of the merchandise sales of cashing on delivery
1) consumer imports identification code (can USSD mode or short message way or mobile data mode) on the mobile phone of oneself, sends identification code to center, identification code data storehouse;
2) consumer's mobile phone (utilizing the mode of short message) is notified merchandise news, price and the service etc. of this identification code correspondence at center, identification code data storehouse for information about;
3) after the consumer confirmed whether to be the article of institute's desire purchase, if the commodity that need, the identification code business password that input simultaneously oneself is confirmed in selection changeed 4); If it is not needed commodity that the consumer does not wish to buy or find, select to abandon or do not confirm, change 16);
4) consumer's the professional password of identification code is checked in center, identification code data storehouse after receiving consumer's affirmation information.If check success, change 5); If the password mistake, center, identification code data storehouse notifies consumer's identification code professional password mistake with the mode of short message, changes 16);
5) mind-set bank sends pre-purchase instruction in the identification code data storehouse, and with the amount of money and consumer's Mobile Directory Number notifying bank, the account balance of this Mobile Directory Number correspondence of bank examination is if the account deficiency changes 6); Otherwise change 7);
6) bank's notice identification code data storehouse center consumer's account deficiency, center, identification code data storehouse utilizes the mode of short message to notify consumer's account deficiency, changes 16);
7) bank goes to another advance account with this amount of money from consumer account, withholds successfully in advance in notice center, identification code data storehouse;
8) center, identification code data storehouse notifies this identification code pairing trade company consumer's the Mobile Directory Number and the request of buying, and tells the success of this trade company's payment in advance;
9) this identification code trade company gets in touch by consumer's Mobile Directory Number and consumer, carries out logistics activities such as deliver goods;
1) consumer checks after receiving commodity, if think product without any problem, by the professional password of identification code of input payment instruction on mobile phone and oneself reservation; If the consumer thinks that article have problem, to refuse payment, the professional password of the instruction that input is refused payment and the identification code of reservation is dealt into center, identification code data storehouse with instruction;
11) identification code data storehouse centronucleus if password is correct, changes 13 to the professional password of consumer's identification code); Otherwise change 12);
12) consumer is notified at center, identification code data storehouse, the professional password mistake of identification code.The consumer resends payment or refuses payment instruction, changes 1);
13) center, identification code data storehouse judges that user instruction is payment instruction or refuses payment instruction, if payment instruction changes 14); The instruction if refuse payment changes 15);
14) consumer is notified at center, identification code data storehouse successful payment, this trade company is notified at center, identification code data storehouse, the consumer is successful payment, identification code data storehouse center notifying bank is given to this trade company with this fund from advance account, the delivery person consumer of trade company's notice oneself is successful payment, changes 16);
15) center, identification code data storehouse is after receiving consumer's notice of nonpayment, check at once, if sending really, the consumer bought notice, notify the cancellation of consumer's payment in advance, notify trade company simultaneously, the consumer refuses payment, and notifying bank goes back to the fund of this identification code correspondence this consumer's bank account from advance account;
16) finish.Two) the method treatment scheme of paying for the affirmation and the payment for goods of the merchandise sales of deliver goods after the payment earlier
1) consumer imports identification code (can USSD mode or short message way or mobile data mode) on the mobile phone of oneself, sends identification code to center, identification code data storehouse;
2) center, identification code data storehouse is merchandise news, price and the service of this identification code correspondence, and this sale is that information such as payment back deliver goods is earlier notified user's mobile phone (utilizing the mode of short message);
3) after the consumer is confirmed to be the article of institute's desire purchase, price, service and deliver goods mode etc. are had no objection, select to confirm, the identification code business password of input oneself on mobile phone changes 4 simultaneously); If the consumer does not wish to buy or find not to be the commodity of needs, select to abandon or do not confirm, change 17);
4) consumer's the professional password of identification code is checked in center, identification code data storehouse after receiving consumer's affirmation information, if check success, changes 5); If the password mistake, center, identification code data storehouse notifies consumer's identification code professional password mistake with the mode of short message, changes 17);
5) mind-set bank sends pre-purchase instruction in the identification code data storehouse, and with the amount of money and consumer's Mobile Directory Number notifying bank, the account balance of this Mobile Directory Number correspondence of bank examination is if the account deficiency changes 6); Otherwise change 7);
6) bank's notice identification code data storehouse center consumer's account deficiency, center, identification code data storehouse utilizes the mode of short message to notify consumer's account deficiency, changes 17);
7) bank goes to another advance account with this amount of money from consumer account, withholds successfully in advance in notice center, identification code data storehouse;
8) center, identification code data storehouse notifies this identification code pairing trade company consumer's the Mobile Directory Number and the request of buying, and tells the success of trade company's payment in advance;
9) trade company gets in touch by consumer's Mobile Directory Number and consumer, delivers, logistics activity such as mailing;
10) trade company is after sending goods, with delivery or certificate of mailing notifies the consumer, and the payment of notice center, identification code data storehouse, center, identification code data storehouse is sent the advice of payment by consumer's mobile phone to the user;
11) if the user confirms payment, the user selects payment on mobile phone, the professional password of identification code of input simultaneously oneself, if the consumer refuses payment, the user selects to refuse payment on mobile phone, and the professional password of identification code of input simultaneously oneself is dealt into center, identification code data storehouse with instruction;
12) identification code data storehouse centronucleus if password is correct, changes 14 to the professional password of consumer's identification code); Otherwise change 13);
13) consumer is notified at center, identification code data storehouse, the professional password mistake of identification code, the consumer resends payment or refuses payment instruction, changes 11);
14) center, identification code data storehouse judges that consumer's instruction is payment instruction or refuses payment instruction, if payment instruction changes 15); The instruction if refuse payment changes 16);
15) consumer is notified at center, identification code data storehouse successful payment, and this trade company is notified at center, identification code data storehouse, and the consumer is successful payment, and identification code data storehouse center notifying bank is given to this trade company with this fund from advance account, changes 17);
16) center, identification code data storehouse is after receiving consumer's notice of nonpayment, check at once, if sending really, the consumer bought notice, notify consumer's payment in advance temporarily to cancel, notify trade company simultaneously, the consumer refuses payment, center, identification code data storehouse can not give trade company with this fund, this fund enters the dispute phase, resolve through consultation by consumer and trade company, after the dispute phase finished, identification code data storehouse center notifying bank went back to the fund of this identification code correspondence this consumer's bank account from advance account;
17) finish.
Instantiation: as an identification code of selling product directly to households is #123*567812345678#, and the treatment scheme of the method for the affirmation of the merchandise sales of cashing on delivery and payment for goods payment is as follows:
1) consumer presses emission key at the mobile phone input #123*2567812345678# of oneself, this information is sent out (or the consumer is by editing a short message, and the content of short message is 256781234567, the destination address of short message is 123).The platform of center, identification code data storehouse and mobile operator is connected, and mobile communication carrier judges according to the data of * front and the address destination address of short message (or by) of identification code this information sent to center, identification code data storehouse;
2) center, identification code data storehouse is notified the consumer with the information such as information, price and service of the commodity of 2567812345678 correspondences by the mode of short message;
3) consumer receives the short message of self-demarking code, by the content of read short messages, imports #123*1*225812* on mobile phone, wherein behind first *, can import 1; 1 expression is pre-to be bought, and other is invalid, second professional password of identification code that the * back is the user; (or edit a short message, and content of short message is 1 225812,1 indicates affirmation buys, and the 225812nd, the password that the user reserves, destination address are 123; Or content of short message is 1, and destination address is 123225812, and wherein 123 is actual addresses, the 225812nd, and the professional password of the identification code of reserving);
4) center, identification code data storehouse checks whether the professional password of identification code is correct, if correct, changes 5 after receiving this information); If incorrect, notify consumer's identification code professional password bad with short message way, change 14);
5) center, identification code data storehouse is with Mobile Directory Number and price notifying bank, and bank transfers accounts to advance account from the bank account of this mobile phone correspondence, if transfer accounts successfully, notice center, identification code data storehouse changes 7); If account transfer failure, notice center, identification code data storehouse, the account transfer failure illustrates concrete reason (as insufficient in amount etc.) simultaneously, changes 6);
6) center, the identification code data storehouse reason that sends SMS message and notify the consumer to transfer accounts failure and failure changes 14);
7) trade company of this identification code correspondence is notified simultaneously by the success of short message notification consumer payment in advance in center, identification code data storehouse, notifies them with consumer's telephone number, and success has been prepay in the payment for goods of notice trade company;
8) trade company of this identification code correspondence gets in touch by consumer's Mobile Directory Number and consumer, carries out logistics activities such as deliver goods;
9) consumer is after receiving commodity, check, if think product without any problem, at mobile phone input #13**25812#, 2 behind first * is expression payments, second * back be consumer's the professional password of identification code, (or by editor's short message, content of short message is 2 225812, payment is confirmed in 2 expressions, the 225812nd, the password that the user reserves, destination address are 123; Or content of short message is 2, and destination address is 123225812, and wherein 123 is actual addresses, the 225812nd, and the professional password of the identification code of reserving); If the consumer thinks that article have problem, refuse payment, by the order of refusing payment in the mobile phone input, #123*3*225812#, 3 behind first * are that expression is refused payment, second * back be that consumer's the professional password of identification code is (or by editor's short message, content of short message is 3 225812,3 expressions are refused payment, and the 225812nd, the password that the user reserves, destination address are 123; Or content of short message is 2, and destination address is 123225812, and wherein 123 is actual addresses, the 225812nd, and the professional password of the identification code of reserving), send instructions to center, identification code data storehouse;
1) consumer's the professional password of identification code is checked at center, identification code data storehouse, if the professional password bad of identification code utilizes the professional password mistake of short message notification consumer identification code, the consumer can send payment instruction once more, changes 9); If the professional password of identification code is correct, change 11);
11) center, identification code data storehouse judges that the user sends is payment instruction or refuses payment instruction, if payment instruction, commentaries on classics 12); Instruction changes 13 if refuse payment);
12) center, identification code data storehouse utilizes short message notification consumer's successful payment, identification code data storehouse center notifying bank is given to this trade company with this fund from advance account, the consumer of this trade company is notified at center, identification code data storehouse successful payment, the delivery person that trade company notifies oneself voluntarily is successful payment, changes 14);
13) center, identification code data storehouse is after receiving user's notice of nonpayment, check at once, if the consumer sends pre-purchase instruction really, notifying bank is with the bank account of fund from the advance account account transfer to this consumer of this identification code correspondence at once, notify the consumer, this time buy and refuse payment, payment in advance goes back to consumer account, simultaneously notify trade company at once, the user refuses payment;
1) finishes.
Example two: a kind of affirmation that landline telephone carries out merchandise sales and method of payment for goods payment utilized, at first, set up the identification code data storehouse, each identification code corresponding trade company, product, price and an information on services; Then, bank and identification code operator sign co-operative contract, carry out the identification code business jointly; Desire uses the consumer wants and the bank of deposit of identification code to sign an agreement, and illustrates and oneself need utilize identification code to carry out shopping activity, simultaneously the account No. (bank card, deposit account number etc.) of oneself as the consumer's number of oneself, is set up corresponding relation; Simultaneously and the identification code operator sign a contract, application uses the identification code shopping professional, with own account No. as consumer identification code, reserve simultaneously when using the identification code business need password.
Identical with embodiment, further specify the method for the affirmation that utilizes landline telephone to carry out merchandise sales and payment for goods payment below in two kinds of situation: one) for the method treatment scheme of the affirmation and the payment for goods payment of the merchandise sales of cashing on delivery
1) consumer dials identification code data storehouse central number at landline telephone, the input identification code;
2) (utilizing the mode of call voice) notified the consumer with the information such as merchandise news, price and service of this identification code correspondence in center, identification code data storehouse;
3) after the consumer confirms whether to be institute's article of wanting to buy, if the commodity that need select to confirm commentaries on classics 4); If it is not needed commodity that the consumer does not wish to buy or find, select to abandon or do not confirm, change 21);
4) prompting consumer in center, identification code data storehouse inputs consumer identification code and the professional password of identification code;
5) consumer inputs consumer identification code and the professional password of identification code;
6) identification code data storehouse centronucleus is to the professional password of consumer's identification code.If check success, change 7); If the password mistake, center, identification code data storehouse notifies consumer's identification code professional password mistake with voice mode, changes 4);
7) mind-set bank sends pre-purchase instruction in the identification code data storehouse, and with the amount of money and consumer's consumer identification code (consumer's account No.) notifying bank, the account balance of bank examination account is if the account deficiency changes 8); Otherwise change 9);
8) bank's notice center, identification code data storehouse, consumer's account deficiency, center, identification code data storehouse utilizes mode voice call to notify consumer's account deficiency, changes 21);
9) bank goes to another advance account with this amount of money from consumer account, withholds successfully in advance in notice center, identification code data storehouse;
1) success of consumer's payment in advance is notified at center, identification code data storehouse, points out the consumer to stay contact method simultaneously, so that trade company and consumer's contact;
11) consumer imports the contact method of oneself, or utilizes tone information, stays the contact method of oneself;
12) center, identification code data storehouse notifies this identification code pairing trade company consumer's the contact method and the request of buying, and tells the success of this trade company's payment in advance;
13) this identification code trade company gets in touch by the contact method and the consumer of consumer's reservation, carries out logistics activities such as deliver goods;
14) consumer checks after receiving commodity, dials center, identification code data storehouse phone once more;
15), select payment by phone, the consumer identification code of input simultaneously oneself and the professional password of oneself reserving of identification code if the consumer thinks product without any problem; If the consumer thinks that article have problem, select to refuse payment the consumer identification code of input simultaneously oneself and the professional password of oneself reserving of identification code by phone;
16) identification code data storehouse centronucleus if password is correct, changes 18 to the professional password of consumer's identification code); Otherwise change 17);
17) consumer is notified at center, identification code data storehouse, the professional password mistake of identification code, the prompting consumer reselects Sending Payments or refuses payment instruction, changes 15);
18) center, identification code data storehouse judges that user instruction is payment instruction or refuses payment instruction, if payment instruction changes 19), if refuse payment instruction, change 2);
19) consumer is notified at center, identification code data storehouse successful payment, this trade company is notified at center, identification code data storehouse, the consumer is successful payment, identification code data storehouse center notifying bank is given to this trade company with this fund from advance account, the delivery person of trade company's notice oneself is successful payment, changes 21);
2) center, identification code data storehouse is after receiving consumer's notice of nonpayment, check at once, if sending really, the consumer bought notice, notify the cancellation of consumer's payment in advance, notify trade company simultaneously, the consumer refuses payment, and notifying bank goes back to the fund of this identification code correspondence this consumer's bank account from advance account;
21) finish.Two) the method treatment scheme of paying for the affirmation and the payment for goods of the merchandise sales of deliver goods after the payment earlier
1) consumer dials identification code data storehouse central number at landline telephone, the input identification code;
2) (utilizing the mode of call voice) notified the consumer with the information such as merchandise news, price and service of this identification code correspondence in center, identification code data storehouse;
3) after the consumer confirms whether to be the article of institute's desire purchase, if the commodity that need are selected to confirm to change 4); If it is not needed commodity that the consumer does not wish to buy or find, select to abandon or do not confirm, change 23);
4) prompting consumer in center, identification code data storehouse inputs consumer identification code and the professional password of identification code;
5) consumer inputs consumer identification code and the professional password of identification code;
6) identification code data storehouse centronucleus is to the professional password of consumer's identification code.If check success, change 7); If the password mistake, center, identification code data storehouse notifies consumer's identification code professional password mistake with voice mode, changes 4);
7) mind-set bank sends pre-purchase instruction in the identification code data storehouse, and with the amount of money and consumer's consumer identification code (consumer's account No.) notifying bank, the account balance of bank examination account is if the account deficiency changes 8); Otherwise change 9);
8) bank's notice center, identification code data storehouse, consumer's account deficiency, center, identification code data storehouse utilizes mode voice call to notify consumer's account deficiency, changes 23);
9) bank goes to another advance account with this amount of money from consumer account, withholds successfully in advance in notice center, identification code data storehouse;
1) success of consumer's payment in advance is notified at center, identification code data storehouse, points out the consumer to stay contact method simultaneously, so that trade company and consumer's contact;
11) consumer imports the contact method of oneself, or utilizes tone information, stays the contact method of oneself;
12) center, identification code data storehouse notifies this identification code pairing trade company consumer's the contact method and the request of buying, and tells the success of this trade company's payment in advance;
13) this identification code trade company gets in touch by contact method and the consumer that the consumer reserves, and carries out logistics activities such as deliver goods;
14) trade company is after sending goods, with delivery or certificate of mailing notifies the consumer, and the payment of notice center, identification code data storehouse, contact consumer in center, identification code data storehouse sends the advice of payment; If in official hour, can't relate to the consumer, change 22);
15) consumer dials center, identification code data storehouse phone;
16) if the consumer selects payment, the consumer identification code of input simultaneously oneself and the professional password of oneself reserving of identification code; If the consumer selects to refuse payment, the consumer identification code of input simultaneously oneself and the professional password of oneself reserving of identification code;
17) identification code data storehouse centronucleus if password is correct, changes 19 to the professional password of consumer's identification code); Otherwise change 18);
18) consumer is notified at center, identification code data storehouse, the professional password mistake of identification code; The consumer resends payment or refuses payment instruction, changes 16);
19) center, identification code data storehouse judges that user instruction is payment instruction or refuses payment instruction, if payment instruction changes 2); The instruction if refuse payment changes 21);
2) consumer is notified at center, identification code data storehouse successful payment, and this trade company is notified at center, identification code data storehouse, and the consumer is successful payment, and identification code data storehouse center notifying bank is given to this trade company with this fund from advance account, changes 23);
21) center, identification code data storehouse is checked after receiving consumer's notice of nonpayment at once, buys notice if the consumer sends really, notifies consumer's payment in advance temporarily to cancel; Notify trade company simultaneously, the consumer refuses payment; Center, identification code data storehouse can not give trade company with this fund, this fund enters the dispute phase, is resolved through consultation by consumer and trade company, and the dispute phase finishes, identification code data storehouse center notifying bank goes back to this consumer's bank account with the fund of this identification code correspondence from advance account, changes 23);
2) center, identification code data storehouse notice trade company, the consumer can't get in touch, this fund enters the dispute phase, resolve through consultation by consumer and trade company, the dispute phase finishes, identification code data storehouse center notifying bank goes back to this consumer's bank account with the fund of this identification code correspondence from advance account, changes 23);
23) finish.
In sum, the consumer utilizes identification code to solve the identification problem of commodity and service, and the user can directly obtain the content and the price of commodity, service by the input identification code, can well distinguish commodity and service; Whether the password of reserving by Mobile Directory Number (or consumer identification code) and user has solved user's identification problem, can use the moving control of householder to pay the bill, and has protected consumer's legitimate rights and interests greatly; By networking, solved the payment problem of whole link with center, identification code data storehouse and bank; Utilize the comprehensive use of mobile data transmission technology and CTI technology (Computer Telephony Interface), solved and used the problem of oversimplifying, simplified user's operating process, made things convenient for the user.
Claims (2)
1, a kind of affirmation that telecommunication technology carries out merchandise sales and method of payment for goods payment utilized is characterized in that comprising following treatment scheme:
1) sets up the identification code data storehouse, each identification code corresponding trade company, product, price and an information on services;
2) consumer reserves the professional password that uses the identification code shopping at center, identification code data storehouse;
3) consumer checks the information of identification code of required shopping by phone to center, identification code data storehouse;
4) the Advise By Wire consumer is passed through with trade company, product, price and the information on services of this identification code correspondence in center, identification code data storehouse;
5) if the consumer confirms to buy, then, change 6) to the professional password of center, identification code data storehouse input oneself; Otherwise, change 2);
6) consumer's the professional password of identification code is checked in center, identification code data storehouse after receiving consumer's affirmation information, if check success, changes 7); If password mistake, center, identification code data storehouse are notified the consumer professional password mistake, change 2);
7) mind-set bank sends pre-purchase instruction in the identification code data storehouse, and with the required payment of consumer notifying bank, this consumer's account balance of bank examination is if the account deficiency changes 8); Otherwise change 9);
8) bank's notice identification code data storehouse center consumer's account deficiency, center, identification code data storehouse reinforms consumer's account deficiency, changes 2);
9) bank should required payment go to another advance account from consumer account, withholdd successfully in advance in notice center, identification code data storehouse;
1) center, identification code data storehouse notifies this identification code pairing trade company consumer's the telephone number and the request of buying, and tells the success of this trade company's payment in advance;
11) the pairing trade company of this identification code requires to carry out deliver goods according to the consumer;
12) if adopt the mode of cashing on delivery, then the consumer checks after receiving commodity, changes 14); If adopt the mode of payment back deliver goods earlier, then change 13);
13) trade company is after sending goods, with delivery or certificate of mailing notifies the consumer, and the payment of notice center, identification code data storehouse, center, identification code data storehouse is sent the advice of payment by phone to the user;
14) if the user confirms payment, by the professional password of phone input payment instruction and oneself reservation, if the consumer refuses payment, the professional password of the instruction that input is refused payment and the identification code of reservation is dealt into center, identification code data storehouse with instruction,
15) identification code data storehouse centronucleus if password is correct, changes 17 to the professional password of consumer's identification code); Otherwise change 16);
16) consumer is notified at center, identification code data storehouse, professional password mistake, the consumer resends payment or refuses payment instruction, changes 14);
17) center, identification code data storehouse judges that user instruction is payment instruction or refuses payment instruction, if payment instruction changes 18); The instruction if refuse payment changes 19);
18) consumer is notified at center, identification code data storehouse successful payment, this trade company is notified at center, identification code data storehouse, the consumer is successful payment, identification code data storehouse center notifying bank is given to this trade company with this fund from advance account, the delivery person of trade company's notice oneself is successful payment, changes 2);
19) center, identification code data storehouse is after receiving consumer's notice of nonpayment, check and notify the cancellation of consumer's payment in advance, notify trade company simultaneously, the consumer refuses payment, and notifying bank goes back to the fund of this identification code correspondence this consumer's bank account from advance account;
2) closing the transaction.
2, according to the described affirmation that telecommunication technology carries out merchandise sales and the method for payment for goods payment utilized of claim 1, it is characterized in that: described phone is mobile phone or landline telephone, and mobile phone communicates by USSD mode or short message way or mobile data mode and center, identification code data storehouse.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 02114924 CN1442810A (en) | 2002-03-02 | 2002-03-02 | Method of confirming and paying in proceeding commodity marketing using telecommunication technology |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 02114924 CN1442810A (en) | 2002-03-02 | 2002-03-02 | Method of confirming and paying in proceeding commodity marketing using telecommunication technology |
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| Publication Number | Publication Date |
|---|---|
| CN1442810A true CN1442810A (en) | 2003-09-17 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 02114924 Pending CN1442810A (en) | 2002-03-02 | 2002-03-02 | Method of confirming and paying in proceeding commodity marketing using telecommunication technology |
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| Country | Link |
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| CN (1) | CN1442810A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101304464B (en) * | 2007-05-10 | 2014-05-07 | 夏普株式会社 | Data sending system, apparatus and method |
| WO2017211106A1 (en) * | 2016-06-07 | 2017-12-14 | 华为技术有限公司 | Data processing method, and related apparatus and system |
-
2002
- 2002-03-02 CN CN 02114924 patent/CN1442810A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101304464B (en) * | 2007-05-10 | 2014-05-07 | 夏普株式会社 | Data sending system, apparatus and method |
| WO2017211106A1 (en) * | 2016-06-07 | 2017-12-14 | 华为技术有限公司 | Data processing method, and related apparatus and system |
| US11436573B2 (en) | 2016-06-07 | 2022-09-06 | Huawei Technologies Co., Ltd. | Data processing method, related apparatus, and system |
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