CN1588973A - Once input paying method - Google Patents

Abstract

One time of payment input method includes that a user inputs the called number, the separation symbol and instruction information to be delivered from hand call or hand-free phone before pressing the deliver key, the called number is delivered first, after the call is cut-in the concerned payment instruction information is delivered to the called server via voice frequency band which analyses the information together with information in the database and provides services concerning the payment and answers the user about the result via the voice band timely and hangs off.

Description

Once import mode of payment

Technical field

The invention belongs to the field of paying the fees, particularly the management system of Mobile Phone Payments by network.Belong to the design of promoting the cellular service function.

Background technology

At present, cellular mobile communication constantly develops in technology and function aspects, and it is more and more general that people utilize mobile phone to exchange information.For thoroughly solving the stolen caused problems of credit card, patent publication No. is to have introduced a kind of antitheft method and apparatus system of saving from damage of noncash immediate payment in 1121676.The trade information of credit card, generation when mobile phone uses is delivered to the transmitting station emission, and the obligee utilizes the receiver of checking out to receive and shows that the receiver of checking out can be various beepers etc.

In patent publication No. is to have introduced a kind of telecommunication system and correlation method of confirming payment or nonpayment when using financial card paying in 02116722.2, after swiping the card or after importing financial card paying information on the net, relevant payment information reaches fiscard center (1), fiscard possessor's mobile phone is issued by the short message (31) or the voice messaging of predetermined format in fiscard center (1), know consumption and payment information, can reply by scheduled operation and pay or do not reply.

At number of patent application is to have introduced a kind of no card mode bank payment telecommunication system without credit card in 02120712.7, bank is provided with number of the account and password for each client, and write down this user mobile phone (3) number relatively, client or authorize other people to consume or when withdrawing deposit, relevant information is delivered to this client's mobile phone (3) caller identification through bank (1) cellular telephone companies (2), after this client confirmed payment with password (1-3), consumption or drawing were performed.

In the patent No. is to have introduced the automatic feedback device of a kind of bank transaction information in 02247309.2, and bank transaction information converts on the mobile phone that the mobile phone short message data format is sent to the client.The client can in time obtain bank transaction information; When embezzlement of bank card, can in time find.

The introduction of above-mentioned 4 kinds of documents all is that photos and sending messages is confirmed to owner after transaction takes place.As anti-theft feature, described method can play the effect of alarm, if will become a kind of mode of doing business, then very important is to be to occur to the length during this period of time that is identified from transaction; Though and the information of this confirmation request causes by transaction, in the form of expression that wait is cabled us for confirmation, is passive.If the stand-by period is longer, can influence effect.

In the practical application of note, find to have indivedual notes to incur loss through delay phenomenon.Though be widely used in every respect with the mode of keyboard by automatic voice indication, the instruction of input keyboard sound, indication information is not too complicated for importing, under the situation about often being used again, still need progressively import by voice prompt, and it is loaded down with trivial details that formality then seems.

Be not to send signal immediately during with handset dialing, but bit digital show and deposit in the mobile phone register one by one.If find to have pushed the wrong number, can re-enter then by " cleaning " button.If it is errorless that the user confirms to dial, then can call out by " transmission key ".If in company with being imported together by " transmission key " is preceding, will reduce the indication information that to import the loaded down with trivial details of formality and make mistakes chance, to the time after connecting also accurately grasp easily by the number of page station.This using method, the design person does not temporarily retrieve relevant patent and document.The method of this input and transmission indication information can be used in and need not repeatedly to come the selection key input to reach non-cash transaction according to voice suggestion, or need not to reach in field of each services such as transferring accounts of paying the fees by fiscard.

Summary of the invention

The present invention overcomes in the prior art and to connect the just shortcoming of input digit data of phone, provides dialing of a kind of more reliable, simple and easy, economic mobile phone and landline telephone and transmission information that the method that providing pays the fees transfers accounts once is provided.The objective of the invention is to realize by following proposal:

A kind of mode of payment of once importing includes telecommunication system (4) and server (1) is regarded as terminal set connects, and is distributed by telecommunication system (4) operator and inserts telephone number and give server (1); Database stores trading management information in (2); The user realizes payment transaction by mobile phone (3) or landline telephone (5) and server (1) exchange message.It is characterized in that:

1) user is the indication information relevant with payment that includes telephone number and be sent out before pressing the transmission key, from the number of mobile phone (3) keyboard input; 2) described telephone number is an access telephone number of distributing to server (1); 3) described indication information is the information that the user desires to send to server (1); 4) telephone number and indication information are separated with the keyboard symbol beyond the numeral on the input keyboard; 5) press after the transmission key, mobile phone (3) is sent called number earlier; 6) after confirming that calling is switched on, indication information is sent to the server (1) that is switched on by speech channel; 7) server (1) is the indication information of receiving, the data in binding data storehouse (2) is come analyzing and processing, and provide and the relevant service of paying the bill, and the result IMU is crossed speech channel with voice or Audio Reply user, after information exchange finishes, both sides' on-hook.

Described server (1) has the voice or the audio content of answering subscriber-related trading; Have and can connect bank computer (6) through network, transaction terminals (7) such as trade company's sales counter computer provide the user, bank, the payment transaction between the trade company.

The described indication information that is sent out is made up of 1 section～plurality of sections numeral, respectively representative each information relevant with payment; Differentiation between each piece of digital, regulation is divided with the figure place that each piece of digital contains, and perhaps separates with the keyboard symbol beyond the numeral, comes serviced device (1) identification with this; When the symbol of using certain regulation was separated, each section was separated digital information and sending in the process by speech channel, and the time that is separated one section setting is respectively sent.

Described affirmation is called out the mode that is switched on and included: through one section setting-up time, mobile phone sent indication information automatically after 1) ringback tone interrupted; 2) receive the signal specific that called server (1) beams back after, send indication information; 3) user hears in the ringback tone and has no progeny, or hears to click after the signal specific that server (1) beams back again and send key or any assignment key, sends indication information.

The described mode of payment of once importing can be with landline telephone dialing and transmission and the same indication information of described mobile phone (3).It is characterized in that: 1) user presses after the function key of certain appointment under the state of on-hook, from the number of landline telephone (5) keyboard input, is to include telephone number and the indication information relevant with payment that is sent out; 2) telephone number and indication information are separated with the keyboard symbol beyond the numeral on the input keyboard; 3) click the key of the function key of described appointment or other appointment behind the off-hook after, landline telephone (5) is the Outgoing Call number at first; 4) the user hear have no progeny in the ringback tone or hear the signal specific that server (1) beams back after click the function key of described appointment or the key of other appointment again, indication information is sent to called server (1) by speech channel; 5) server (1) is crossed speech channel to the result IMU with voice or Audio Reply user, after information exchange finishes, and both sides' on-hook.

Partial information in described call number and the indication information can be pre-stored in as the mode of telephone directory in the register of telephone set, selects during use to access; After number and information are accessed, but user's local modification or continuation are pressed the input of the remainder information in the indication information then on the transmission key of appointment and are sent.

Described server (1) can be arranged in the bank computer net, for the user in the tame bank computer net provides the accounting payment service; Described server (1) can be arranged on outside the bank computer net, for how tame bank and user thereof provide the accounting payment service; Described server (1) can be set in the computer net of a tame enterprise or industry specific payment services are provided.

The mode of payment of once importing of the present invention can be used in multiple paying on the expense field, has made things convenient for user's operation; The chance that cell-phone number is forged or cracks is more than low many of credit card, IC-card.

Description of drawings:

Fig. 1 is the circuit block diagram of mobile phone

The handshaking procedure figure that Fig. 2 calls out for the mobile phone master

Fig. 3 is the system configuration schematic diagram of embodiment 1

Fig. 4 is the workflow diagram of handset call among the embodiment

Fig. 5 is the circuit block diagram of landline telephone

Fig. 6 be embodiment 1 bank computer (6) more new data supply with the flow chart of database (2)

Fig. 7 is that the user of embodiment 1 is at ATM (automatic teller machine) (73) drawing step and workflow diagram

Fig. 8 maybe need not block shopping step and workflow diagram for the consumer of embodiment 1 with card

Fig. 9 is the consumer of embodiment 1 do shopping from network step and workflow diagram

Figure 10 is consumer's teleshopping step and the workflow diagram of embodiment 1

Figure 11 draws step and the workflow diagram of account to user's second bank account to money for user's first of embodiment 1

Embodiment

The invention will be further described below in conjunction with drawings and Examples:

As shown in Figure 1, be the circuit block diagram of a GSM mobile handset in the present embodiment.No matter GSM, CDMA or PHS mobile phone all comprise radio circuit and logical circuit 2 major parts.The microprocessor that is equivalent to the CPU in the computer is arranged in logical circuit, memory is arranged.The memory branch has random access memory RAM, is used for storing the data of the CPU course of work; Flash memory FLASH is arranged, be used for carrying out software upgrading to mobile phone installation system software or to the mobile phone that dispatches from the factory on the production line; Electric erazable programmable memory EEPROM is arranged, the fuselage number of memory mobile phone, telephone number, lock plane No. and other settings.PMC coder-decoder among the figure is the general mould/number conversion mode that adopts of digital mobile phone, is called pulse code modulation (PMC).The dial mode of mobile phone dual-tone multifrequency (DTMF; Double Tone Multi Frequency).The dual-tone dialing signaling mails to the signal of base station BS (41) when being mobile phone (3) caller, use the 4x3 mode, it is exactly the Dual Tone Multifrequency mode in local user's loop, also be user's multifrequency signaling of all recommending in CCITT and China's national standard, for the mobile radio communication that dials automatically generally adopts.The composition of its frequency is by shown in the table (1).

The composition table (1) of table (1) dual-tone dialing frequency
				High tone cluster bass group	????1209Hz	????1336Hz	????1477Hz
????697Hz	????1	????2	????3
				????770Hz	????4	????5	????6
????852Hz	????7	????8	????9
				????941Hz	????*	????0	????#

Key circuit is an array, and the numerical key and the partial function key of mobile phone is provided.Column address conductor and row address line have many crosspoints, when button was pressed, the level of two lines that this point is connect changed, after logical circuit detects this variation, the default program of contrast determines which button is pressed, control mobile phone function corresponding.Microprocessor CPU is commanded the mobile phone operate as normal according to the system software program among the flash memory FLASH with from the information that mobile telephone interface obtains.When the user when cell phone keyboard pushes button, microprocessor CPU just deposits the number of correspondence in random access memory RAM.

As shown in Figure 2, calling out fixed-line subscriber with the mobile subscriber is that example illustrates calling procedure.Moving exchanging center MSC among the figure (42) connects local telephone network exchange, is connected and fixed telephone terminal by exchange.

Supposing mobile phone (3) customer call fixed telephone subscriber, is not to send signal immediately when the mobile subscriber dials, and is bit digital is one by one shown and deposits in the register, confirms that the errorless back of dialing by " transmission key ", calls out.After mobile phone (3) user presses and sends key, promptly dial the number and the user identification code of mobile phone (3) itself mails to base station BS (41) by reverse control channel, BS (41) informs moving exchanging center MSC (42) by the cable data circuit, and requires to distribute voice channel.MSC (42) selects idle speech channel, to base station BS (41), mobile phone (3) specify voice channel after receiving that base station BS (41) requires to distribute voice channel.The start of base station BS (41) speech channel sends supervision sound SAT (Supervisory Audio Tone) signal, and mobile phone (3) returns SAT at speech channel, and the expression speech channel is ready.

MSC (42) sends out dialing tone to the city fixed telephone subscriber, fixed telephone subscriber's telephone set generation ring, and the mobile subscriber hears ring-back tone, behind called fixed telephone subscriber's off-hook, ring-back tone stops, and can converse.Conversation ends, and disconnect process depends on that the on-hook of mobile subscriber elder generation still be the on-hook of local user elder generation, exhales or quilt is exhaled irrelevant with main.

Described supervision sound SAT is used for channel allocation and mobile subscriber's speech quality is supervised.When a certain voice channel will be distributed to a certain mobile subscriber, BS (41) just sends sat signal on forward voice channel, mobile phone (3) procuratorial work is behind sat signal, this sat signal of loopback on reverse voice channel just, BS (41) receives and just confirms that this bi-directional speech channel connects behind the sat signal that returns, can converse.During conversing, base station BS (41) still continuously sends sat signal on voice channel, and mobile phone (3) is this sat signal of loopback constantly.BS (41) constantly compares with predefined signal to noise ratio according to the signal to noise ratio of loopback SAT, and whether decision needs to carry out district's channel switches.

As shown in Figure 3, method of the present invention has been used and has been included server (1), database (2), telecommunication system (4), user's mobile phone (3), bank computer (6), transaction terminal (7); Server (1) is accepted the calling of user's mobile phone (3), landline telephone (5) by connecting telecommunication system (4); Wailed sign indicating number and be telecommunication system (4) operator server (1) when the access dial that equally distributes as the terminal telephone set; Server (1) connects bank computer (6), transaction terminal (7) (trade company's sales counter computer) through network.Database (2) goes by ODBC (open type data connection) and bank computer (6), merchant transaction terminal (7) swap date data.Telecommunication system (4) comprises mobile communication system and local telephone network telecommunication system.Server (1) is answered user's voice or audio content after storing call establishment, reception indication information.

Server in the present embodiment (1) hardware configuration is Dell ^TMPowerEdge ^TM2600 servers adopt the hosting form to be placed on the machine room of telecom operators; The operating system of software arrangements is Windows 2000 Advanced server, and database adopts SQL Server2000, and server is WEB server I IS; The exploitation general technical adopts the up-to-date .NET technology of Microsoft, and development language is C# (pronunciation: C SHARP).8 road analog voice cards (12) DN081A+ plurality of modules is the interface board of a processed voice, can squeeze into phone simultaneously for 8 people simultaneously; Be connected with motherboard by the PCI groove, server (1) is connected with sound card (12) by the api interface function that supplier provides; The software that voice platform (14) in the server (1) is and sound card (12) voice are connected.

See Fig. 2 again, the described calling procedure in top is current common calling procedure.In an embodiment of the present invention, the mobile subscriber one by one bit digital show and deposit numeral in the mobile phone register in except including telephone number, also including the indication information that will send.Telephone number and the indication information that is sent out are separated with the keyboard symbol beyond the numeral on the input keyboard, and present embodiment separates with input " # ".Indication information is the information that the user desires to send to server (1).Calling order of the present invention makes that mobile phone (3) is sent telephone number earlier after pressing the transmission key.Click the function key of described appointment or the key of other appointment again after the user hears the signal specific that server (1) beams back, the indication information that is sent out is sent to called server (1) by speech channel.Server (1) can be discerned indication information, thereby according to the default system operation programs of server (1), the data in the database (2), in conjunction with the indication information analysis with the user is provided specific service, and IMU cross voice or predetermined audio frequency analyzing and processing after content answer the user, after information exchange finishes, both sides' on-hook, disconnection is connected with subscriber phone.

The described indication information that is sent out is made up of 1 section～plurality of sections numeral, and each piece of digital is represented various respectively and paid the bill for information about.Differentiation between each piece of digital can stipulate to divide with the figure place that each piece of digital contains, or separates with the keyboard symbol beyond the numeral.When list separator was " # ", each piece of digital information was to be separated time of 2 seconds respectively to send in the process of sending by speech channel; When list separator was " * ", each piece of digital information was once sent together with symbol " * " order.For uncomplicated, section length clocklike the figure place that can each piece of digital contains of indication information divide, for example stipulate that the figure place that the 1st piece of digital contains is 2, then the indication information of " 235678 " just can serviced device (1) be recognized as by " 23 " and " 5678 " 2 piece of digital and forms.But to server (1) how different service requests is proposed by the indication information representative of consumer that the plurality of sections numeral constitutes.With the time that list separator " # " makes each piece of digital information be separated 2 seconds respectively send, be in order to adapt to current voice automatic service system in being used, send the next one " button input " just had allowed 2 times in second after the voice service speech.For system special and that the inventive method cooperates, server (1) can come with separately each piecewise analysis of list separator " * " after receiving data without a break again.Here, indication information ends up with symbol " # ".

The described user of leading portion hears that clicking the process that assignment key sends indication information after the signal specific of beaming back again also can be designed to like this: through behind the setting-up time, mobile phone sent automatically and is pre-stored in indication information in the register, behind " # " symbol after ringback tone interrupted; Or, after receiving the signal specific that called server (1) or equipment are beamed back, mobile phone sends indication information automatically.

As shown in Figure 4,, compare, only increased by 5 steps, shown in more dark framework among the figure, be respectively: " sending key is pressed? " with the workflow of present conventional mobile phone for the workflow of a handset call of present embodiment " number between two # of during dialing is sent "; " also having number behind the #? " " paused 2 seconds, the number between two # of during dialing is sent "; " mobile phone on-hook? " Having revised a step is: " number before the 1st # of during dialing is sent ".The change of systems soft ware is less; The present invention need not to change the configuration of the original hardware of mobile phone.

As shown in Figure 5, be the circuit block diagram of normal telephone machine.The dial-up process of fixed telephone is when dialling behind user's off-hook, and its double-audio signal is instant to be sent.Along with the technology of large scale integrated circuit improves, the price reduction and the kind of multi-feature telephone increase, fixed telephone also can be designed to above-mentioned mobile phone once simultaneously the indication information that will send after telephone number and the connection input that prestores.Its mode be the user under the state of on-hook, press the function key of certain appointment after, from landline telephone (5) keyboard input by the indication information of wailing sign indicating number and will sending; Telephone number and the indication information that is sent out are separated with " # " symbol.After clicking the key of the function key of described appointment or other appointment behind the off-hook, landline telephone (5) is the Outgoing Call number at first.The user hear have no progeny in the ringback tone or hear the signal specific that server (1) beams back after click the function key of described appointment or the key of other appointment again, the indication information that is sent out is sent to called server (1) by speech channel.After server (1) is received indication information, provide by the respective service of indication requirement and also immediately answer user, on-hook subsequently automatically with voice or specific audio frequency.

When the Query Information that is sent out was made up of 2 sections or above numeral, when list separator was " # " between each piece of digital, each section was separated digital information and sending in the process by speech channel, and the time that is separated 2 seconds is equally respectively sent.

Compared with mobile phone, will increase the function of input under the hook state in the software of landline telephone (5), but the program that newly adds can be not a lot of at the shared capacity of memory.Different is, the system program of mobile phone generally is to be written on the flash memory FLASH, writes when handset production line installation system software or writes when the mobile phone that dispatches from the factory carried out software upgrading; And the systems soft ware of landline telephone generally is to be written into when microprocessor CPU dispatches from the factory and to be fixed in the read only memory ROM of CPU.The staple market that the present invention is directed to is in the application of mobile phone, realizes the once method of input that the present invention introduces with landline telephone (5), is as mobile phone being sent replenishing of information.Along with this application of mobile phone is extended, the manufacturer of landline telephone microprocessor will be willing to increase this function on their chip.

Described user is under the state of on-hook, after pressing the function key of certain appointment, also can be changed into by the indication information mode of wailing sign indicating number and will send from landline telephone (5) keyboard input and to import after under the state of off-hook, pressing the appointed function key, but this can take the dialing stand-by period that telecommunications network provides.

Server (1) is regarded indication information instruction and the information of user by bank transfer, the relevant service of payment shopping as, consults or revise the interior data of described database (2), and bank computer (6), transaction terminal (7) swap data.The information that server (1) receives also comprises the bristle with anger mobile phone (3) that shows information or the telephone number of landline telephone (5) itself.

Embodiment 1:

As shown in Figure 3, server (1) is arranged in the bank computer net, is connecting bank computer (6) and telecommunication system (4); Also connect transaction terminal (7), comprise Online Store's computer (72), shop charging device (71), ATM (automatic teller machine) (73) that embodiment mentions by network.Server (1) plays by telecommunication system (4), use this input information method, the various trading processing information that customer requirements bank is done are communicated to the computer system of bank, are handled by the book keeping operation that bank computer (6) carries out between customer account and commercial shop account.Store some data of client in the database (2) of server (1), when receiving customer requirements information, carrying out and once import mode of payment and verify work relevant early stage, after confirming transaction effectively, just transferring to bank computer (6) processing.

Upgrade shown in the data input stream journey figure as Fig. 6, when if subscriber data is carved at a time and is changed by other approach of non-once input information methods such as for example bank counter trading because of the user, to be sent to database (2) by the acquisition software program in the bank computer net, make user's data updatings such as remaining sum.

Deposit shown in the dealing table (21) as the user in the database (2), when the user after bank (A) has applied for the service of this method, register with user's cell-phone number (95), be assigned with a password (94) (can revise); Be apprised of transit number (91), user account (93).Transit number (91) is generally used the existing code name of bank, and user account (93) is the number of the account that the user has opened an account with the bank, if there was not number of the account originally, needs the new account mouth.

The transit number that may be original and the representation inconvenience of user account are used in this method of once importing, can change, and data converted can be stored in the computer system database of former bank; Also can be stored in the database (2) of server (1) of this bank.Shown in figure (3), database has " the interior user's of bank computer (6) number of the account and the interior user account of table (21) (93) correspondence table (22) are writing down its corresponding relation " in (2).

Bank balance (98) in the table (21) is to put down in writing the up-to-date left fund data of the interior user of bank computer (6); Counterpart's information and transaction record are the updates of record bank book keeping operation.

Table (21) user deposits dealing table (21)
													User profile					Counterpart's information			Transaction record
Phone number (95)	User name (92)	User account (93)	User cipher (94)	Bank balance (98)	Transit number (91B	User account (93B	With name name (92B	Expenditure amount of money (96)	Order number (97)	Fixture date (99)	Payment Request (78)	Gathering requires (77)
													138d	Zhang Shan	??232. ??..	?kkkk	??nnn	??ccc	??ddd	??mmm	??zzzz	??hhhh	??ymd
??ccc	??ddd	Lee six	??zzzz	??hhhh			??Y
								??ccc	??ddd	Lee seven	??zzzz	??/							1 day
??012	??232.	Zhang Shan	??zzzz	??246		??10
								136d	?mmm	??bbbb	?kkkk	??nnn

The order number (97) of table in (21) can be charge document number; When phone or shopping online, with can be with differentiating commercial specification such as ticket, machine draft bank, or the numeral of hotel's room number, marque be represented.

" Y " in the table (21) under " gathering require (the 77) " Shi Shi that does shopping face-to-face in the shop represents 10 minutes, on the net or be 5 days during teleshopping; Being recorded in when ATM (automatic teller machine) (73) is withdrawn deposit under " Payment Request (78) " is to remember 10 minutes, is note 1 day when fund being changed over to another people's account.Be retained 10 minutes or 5 days after the data of expression " gathering requires (77) " or this delegation of " Payment Request (78) " record place produce, will eliminate automatically then.If conclude the transaction before eliminating automatically, fixture date is charged under the fixture date (99), and Payment Request (78) or gathering require the record in (77) grid to be cancelled and the space, and the data of this delegation becomes wherein transaction record of recent generation.

List each information of representing in the following process description at table (3); List the hardware title that following example is mentioned at table (4).

For the shop charging device (71) of having applied for the service of this mode of payment or the computer terminal device (72) of Online Store, register with its number that inserts identification, represent with cell-phone number (95B); Cell-phone number (95B) also can be represented the cell-phone number of the Any user of opening an account in bank (B).Account has been registered in bank (B) in the shop, and transit number (91B) is arranged, and has been assigned with number of the account (93B).If there are some charging devices (71) in the shop, under number of the account, also divide the plane No. that charging device is arranged, for the shop accounting process.

Table (3)
							Name of the information	Explanation	Example		Name of the information	Explanation	Example
Transit number (91)	The code name of bank (A)	012		Transit number (91B)	The code name of row (B)	015
							The phone number xxA of server (1A)		654321		The phone number xxB of server (1B)		123456
User name (92)	Voice or literal	Zhang Shan		User name (92B)	Another user name	Lee six
							Number of the account (93)	First (A) number of the account of being expert at	2325267		Number of the account (93B)	(B) number of the account of being expert at	2335378
Number of the account (93C)	Advance deposit department (B) number of the account of being expert at			Number of the account (93d)	First is in another number of the account of bank (A)
							Password (94)	User's private code	676767		Password (94B)	Another user cipher	676789
Password (94C)	Advance deposit department			Password (94d)	The advance deposit user
							Cell-phone number (95)	The cell-phone number of registration	1383…		Cell-phone number (95B)	The registration number of device	2898765
Cell-phone number (95C)	The advance deposit registration number	1368…
							The amount of money (96)	Dealing money	3200		Order number (97)	The commercial specification code name	002356
Trade date (99)	Amount of money transfer day	040916		Number of the account (98C)	The advance deposit department number of the account of opening an account

Table (4)
					The hardware title	Explanation		The hardware title	Explanation
User's (drawing) blocks (61)	The fiscard of non-cash transaction		Shop device (71)	Charging device
					Computer (72)	The Online Store computer terminal		ATM (automatic teller machine) (73)	Extract cash

Table (5) is listed the instruction of once importing in the following example in the indication information, and the 1st section in the indication information is defined as instruction.

Table (5)
						Order	Explanation	Order	Explanation	Order	Explanation
81	Payment makes (checking gathering requires)	??82	Payment makes (depositing Payment Request)	??83	Withdraw deposit and make (depositing Payment Request)
						84	Transfer accounts and make (same user)	??85	Change the order that prestores	??86	The advance order (depositing gathering requires)
87	Gathering makes (checking Payment Request)	??88	Check and accept and make (the other side's payment)	??89	Inquiry makes (last sale)
						80	Revise password

Table (6) is listed the content of once importing indication information in the following example.

Table (6)
									Requirement	Phone number	Information						Explanation
Instruction	Section 1	Section 2	Section 3	Section 4	Section 5
						Payment	??xxA	????81			??(93B)	??(97)	??(96)	??(94)		Check and advancely make 86
Payment	??xxA	????82	??(91B)	??(93B)	??(96)				??(94)								Make 87 to check for gathering
						Withdraw deposit	??xxA	????83			??(97)	??(94)				Send out before withdrawing deposit
Transfer accounts	??xxA	????84	??(93d)	??(96)	??(94)												With 2 accounts of householder
						Commentaries on classics prestores	??xxA	????85			??(91B)	??(93C)	??(95C)	??(96)	(94)
Advance	??xxB	????86	??(91)	??(93)	??(97)				??(96)								Make 81 to check for payment
						Gathering	??xxB	????87			??(91)	??(93)	??(96)	??(94B)		Check payment and make 82
Check and accept	??xxB	????88	??(93B)	??(91)	??(93)				??(97)								Any phone is looked into bank (B)
						Inquiry	??xxA	????89			??(93)	??yy				Look into the nearly the yy time transaction that rise

Specify in conjunction with flow chart with examples of implementation below.Except ATM (automatic teller machine) (73) is withdrawn deposit, each examples of implementation is an example with transaction between the user of bank (A) and bank (B), if conclude the business between the user of same bank, its subscriber data need not to transmit between 2 banks, and other processes are identical.Server (1) at bank (A) is represented with server (1A), stores in the table (21) of subscriber data at server (1A) that bank (A) opens an account; Server (1) at bank (B) is represented with server (1B), stores in the table (21) of subscriber data at server (1B) that bank (B) opens an account.

The example of described bank (A) and bank (B) also can be considered same bank in the branch in A city and branch in the B city.The user of A city bank and B city bank comprises consumer and trade company, and transaction is finished in the networking of the bank that opens an account by them, A city bank server (1A) and B city bank server (1B), bank computer system respectively, realizes long-distance consuming.

As shown in Figure 7, for the user withdraws deposit in the ATM (automatic teller machine) (73) of this bank of deposit (A), step 1, user's once input before drawing " xxA# drawing instruction 83* (97) * (94) # "; Server (1A) is found the number of the account (93) of user at bank (A) from the cell-phone number (95) of user's registration.After the empirical tests consumer of bank (A) has number of the account and left fund is arranged, the information of being initiated by consumer's instruction " 83 " that requires ATM (automatic teller machine) (73) to withdraw deposit comprises that order number (97), the own number of the account of user (93) (2325267) etc. are stored in as form (21) the 4th row, gathering requires (78) grid writing down and is retained 10 minutes, answers the user and can withdraw deposit.Order number (97) is the numbering of ATM (automatic teller machine) (73).

Step 2, the user withdraws deposit from ATM (automatic teller machine) (73) with ATM card (61).ATM (automatic teller machine) (73) is read in user account (93); The user is from ATM (automatic teller machine) (73) the input amount of money (96).ATM (automatic teller machine) (73) is delivered bank (A) to user account (93), order number (97), the amount of money (96), find form (21) the 4th row by number of the account (93) and order number (97), after empirical tests Payment Request (78) has record, consumer's able to make payment, inform that ATM (automatic teller machine) (73) can make loans; " 10 minutes " that are both Payment Request (78) lining are cancelled, and are 012 at " counterpart's information record " lining transit number (91B), user account (93B) is 2325267, user name (92B) is user Zhang Shan oneself; Writing down fixture date (99) and expenditure amount of money (96).

Be all without the process of Card Withdrawals shown in Figure 7, just in step 2, when the user withdraws deposit from ATM (automatic teller machine) (73), manual input user account (93).

As shown in Figure 8, for the consumer with being stuck in the shopping process.Step 1, the transit number (91) that the shop-assistant opens an account in bank (A) by a user that swipes the card, user account (93) input; The keyboard input commodity amount of money (96), order number (97) from shop charging device (71).Charging device (71) is passed to shop Bank Account Number (93B), consumer's transit number (91), consumer's number of the account (93), order number (97), the amount of money (96) by network the server (1B) of bank (B); Server (1B) has been verified shop device (71) after server (1B) has number of the account (93B), (91B), (93B), (92B), (93), (97), (96) is passed to the server (1A) of bank (A) according to transit number (91).The checking consumer is after server (1A) has number of the account, the enough payments (96) of remaining sum, the information of being initiated by device (71) that requires number of the account (93) payment is stored in the 2nd row as form (21), and gathering requires writing down in (77) grid this row information and is retained 10 minutes.Transaction qualifying information is passed shop device (71) back through bank (B), and the shop-assistant informs consumer's money indication of sending.

Step 2, the consumer is with mobile phone send money indication, once input " xxA# payment instruction 81* (93B) * (97) * (96) * (94) # "; As table (3) example, be equivalent to input " 654321#81*2335378*002356*3200*676767# ".Server (1A) finds number of the account (93) to require shop number of the account (93B), order number (97), expenditure amount of money (96), gathering the record of (77) to check according to consumer's cell-phone number (95), user cipher (94), confirmed transaction, transmitting bank (A) computer (6) is drawn the number of the account (93B) of account to bank (B) to amount of money (96) from number of the account (93).This conclusion of the business information except immediately in phone the answer customer money changeed the shop user name (92B) " Lee six ", also pass charging device (71) back and show through server (1B).When the consumer sent the money indication with mobile phone, possible shop-assistant hurried in again and handles next charge, at this moment can point out shop-assistant's button to show by the consumer again.

The consumer need not block shopping, and process is with shown in Figure 6 identical, and just when the beginning of step 1, the shop-assistant is with manual input consumer's transit number (91) and user account (93).

As shown in Figure 9, for the consumer does shopping from network, introduce the process of just delivering after the gathering earlier.Step 1, the consumer learns and the selected amount of money (96) on the net; Order number (97), transit number (91), number of the account (93), order number (97) by online computer input consumer transmit Online Store's computer (72), computer (72) is again (91), (93), and the shop also has (97), (96) to deliver bank (B) at the Bank Account Number (93B) of bank (B).After number of the account confirms, data passes to bank (A), after empirical tests consumer had number of the account and ability to pay, the information of being initiated by computer (72) that requires number of the account (93) payment was stored in the 2nd row as form (21), is writing down in gathering requires (77) grid and is being retained 5 days.Transaction qualifying information is passed shop computer (72) back through bank (B), and computer (72) is passed consumer's computer back, informs that the consumer pays the bill.

Step 2, the consumer is with mobile phone send money indication, once input " 654321#81*2335378*002356*3200*676767# ".Server (1A) according to consumer's cell-phone number (95) and the data that transmits, check the record that gathering requires (77), confirmed transaction, transmitting bank (A) computer (6) is 3200 yuan of numbers of the account 2335378 from 2325267 strokes of accounts of number of the account to bank (B) of amount of money.This conclusion of the business information except immediately in phone the answer customer money put under Online Store's user name " Lee six ", also pass computer (72) back and show through server (1B).

Step 3, Online Store arranges delivery in the gathering back.

For the process of just paying the bill after receiving, step 1 is identical with just delivery major part after the gathering, and just Online Store promptly arranges to deliver goods to the customers after receiving the qualifying information of concluding the business.After deliver goods person delivered to goods, the consumer carried out above-mentioned steps 2.Step 3 is after treating that the consumer informs that deliver goods person has transferred accounts, deliver goods person once imports: " xxB#88* (93B) * (91) * (93) * (97) # ", inquiry is checked and accepted in transmission, and after the answer money had put Online Store's number of the account (93B) or user name " Lee six " under in the phone, goods was handed over the consumer.

Current domesticly have a number of express mail companies to be provided as the service of trade company to consumer's collect on delivery, all will increase income the expense of quota or payment for goods ratio to trade company or consumer, and be that the express mail company in 2 tame strange lands makes the transmission goods of relay-type and receives and hand over fund.Adopt this method, institute's power consumption telephone expenses are several maos, and the time of 2 phones also is 2 ~ 3 minutes, can be faster reliable.

As shown in figure 10, be consumer's teleshopping, introduce the process of just delivering after the gathering of shop earlier.Step 1, the consumer is from the advertisement magazine or make a phone call to learn and the selected amount of money (96), order number (97) the shop consumer's that tells by telephone transit number (91), number of the account (93), order number (97), the amount of money (96).The teleshopping shop is once imported " xxB#86* (91) * (93) * (97) * (96) # " and is delivered bank (B).After bank (B) number of the account confirms, data passes to bank (A), after empirical tests consumer had number of the account and ability to pay, the information of being initiated by shop instruction " 86 " that requires number of the account (93) payment was stored in as form (21) the 2nd row, and gathering requires (77) grid writing down and is retained 5 days.Phone answers is accepted the gathering requirement, shop tell by telephone consumer's payment and the transit number (91B) in this shop of consumer that tells by telephone and number of the account (93B).

Step 2, the consumer is with mobile phone send money indication, once input " xxA#81* (93B) * (97) * (96) * (94) # ".Server (1A) according to consumer's cell-phone number (95) and the data that transmits, check the record that gathering requires (77), confirmed transaction, transmitting bank (A) computer (6) is drawn the number of the account (93B) of account to bank (B) to amount of money (96) from number of the account (93).This conclusion of the business information except immediately in phone the answer customer money put shop user name " Lee six " (as form (21) the 2nd row) under.

Step 3, the shop is once imported: " xxB#88* (93B) * (91) * (93) * (97) # ", and send and check and accept inquiry, after the answer money has put shop number of the account (93B) or user name " Lee six " under in the phone, goods is sent.

For the process of payment just after receiving, step 1 be with gathering after just deliver identically, after the answer that requires that just obtains accepting collecting money promptly arrange to deliver goods to the customers in the shop.After deliver goods person delivered to goods, the consumer carried out above-mentioned steps 2.Step 3 is that deliver goods person once imports after treating that the consumer informs that deliver goods person has transferred accounts: " xxB# 88* (93B) * (91) * (93) * (97) # ", sending and check and accept inquiry, after the answer money had put the shop under in the phone, goods was handed over the consumer.

As shown in figure 11, for user's first of opening an account in bank (A) is drawn the registered permanent residence that account is opened an account in bank (B) to second to money, step 1, first with payment make 82 once input send the transit number (91B), Bank Account Number (93B), expenditure amount of money (96), password (94) of second server (1A) to bank (A); After remaining sum on the inspection number of the account (93) is enough paid, the number of the account of second (93B) is delivered to second bank (B) server (1B); Check second after server (1B) has number of the account, first keeps 1 day (as form (21) the 3rd row) in the Payment Request (78) of server (1A) number of the account.

Step 2, second are once imported the bank (B) that " phone number # gathering instruction 87* (91) * (93) * (96) * (94B) " sends second; After checking the number of the account of second, send bank (A) server (1A) data, check first and keep 1 day record in the Payment Request (78) of server (1A) number of the account, if qualified, then notice is sent bank (A) computer (6), and money is drawn the number of the account of second at bank (B).Order number (97) in the table (21), first, second all need not be imported, and can be the space.

If first also has other numbers of the account (93d) in bank (A), then desire fund by number of the account (93) stroke when (93d), first is once imported: phone number; Transferring accounts makes 84* (93d) * (96) * (94), just can reach the purpose of transferring accounts.

Embodiment 2:

Server (1) is set in the computer net of a tame enterprise or industry specific payment services is provided.For some as big supermarket, chain service industry, as vehicle parking management company etc., can set up equally and accept the server (1) that input dial of user connects by telecommunication system (4), deposit in the advance deposit registered permanent residence that allows the consumer in their corporate server (1), offer, the user is in shopping or use its service, during as parked vehicle, the amount of money interior with this advance deposit registered permanent residence goes to pay the fees.

For example vehicle parking management company third sets up server (1C), bank (B) at code name (91B) offers account number (93C), there are the account agreement of drawing in bank (B) and bank (A), the user desires the part amount of money in bank (A) registered permanent residence is drawn number of the account (93C) to third, and the user once imports the bank (A) that " xxA# changes to prestore makes 85* (91B) * (93C) * (95C) * (96) * (94) # " sends to first; With above-mentioned similar process, the amount of money (96) is removed by number of the account (93), has deposited third number of the account at bank (C) (93C) in; Simultaneously registered this advance deposit amount of money (96) with the user with cell-phone number (95C) at third server (1C) lane database.

When the user sends the service request that relevant vehicle parking management company third provides with the mobile phone of cell-phone number (95C), the advance deposit that third computer data deduction user is registered with cell-phone number (95C).For example the user once imports " phone number (C) # instruction 11* (97) # " with mobile phone; Phone number (C) is the access phone number that telecommunication system (4) is distributed to third server (1C); Instruction 11 is the requirement beginnings of chargeing of berthing; (97) represent the parking stall numbering.Third computer server is represented the charge that picks up counting of parking stall numbering in (97), and expense will be deducted in the advance deposit that cell-phone number (95C) registered, and the voice answering user beginning of chargeing.Transaction that is produced when berthing consumption and bank (A) and bank (B) are irrelevant.

In the described paying service of berthing of paying the parking stall, roadside with advance deposit because when stopping that bales catch removed 2～5 yuan in one hour, just in case lost mobile phone also can only be used in consumption on time in the parking, lose limited, so can import user cipher in operating.

Above-mentioned advance deposit also can be registered without cell-phone number (95C), and sets up the shopping number of the account that prestores to register.When the user desires that the part amount of money in bank (A) registered permanent residence drawn number of the account (93C) to third, be with the shopping that management company or supermarket are distributed number of the account (98C) registration that prestores, then the user once imports the bank (A) that " phone number # changes to prestore makes 85* (91C) * (93C) * (98C) * (96) * (94) # " sends to first, with above-mentioned same process, in third computer data, registered user's the advance deposit amount of money (96) with shopping number of the account (98C).When the requirement that sends relevant vehicle parking management company third and provide with any mobile phone as the user is berthed and is chargeed the beginning service request, once input " phone number (C) # (98C) * instruction 11* (97) # ".Third the computer data deduction user advance deposit that number of the account (98C) is registered that prestores with doing shopping.

Above-mentioned advance deposit also can be drawn account by bank, deposits the registered permanent residence into described user's advance deposit but buy by the stored value card of supermarket, chain service industry or management company's distribution by the user.

For example the user has bought the stored value card by 100 yuan of denomination values of relevant department's distribution, card number and the password that is scraped off are " 510123456789654321 " altogether, be printed on the card to supplement phone number with money be " 32883288 ", supplement instruction " 19 " with money, the user sends subsequently and supplements with money from mobile phone input " 32883288#19*510123456789654321# ".The user is the expense that the available mobile phone number of the account that this has filled value is gone to pay relevant shopping or accepted service.Supplementing the back with money is that " available credit " of cell-phone number deposited 100 yuan in more at user account." 19 " in " #19* " are the instructions of supplementing with money with stored value card.

Embodiment 3:

Server (1) can be set to the payment service system, for how tame trade company provides payment service.Being provided with the cell-phone number in the server (1) is the advance deposit registered permanent residence of number of the account, and trade company has applied for accepting the Mobile Phone Payments shopping service, and the consumer can go these trade company's purchase and consumption with the deposit in the own advance deposit registered permanent residence.When transaction produces, the part of should paying of the deposit in consumer's advance deposit registered permanent residence is drawn to the registered permanent residence of trade company in server (1); Trade company regularly settles accounts with the payment service system that server (1) is set.

Embodiment 4:

When server (1) is the accounting payment service of the above bank computer net of a family, the user deposits corresponding each user mobile phone phone number in the dealing table (21), each user comprises consumer and trade company, have respectively bank that they open an account, promptly table (21) but in number of the account, transit number, cash in banks or the credit exceed overdraft limit of banks different more than are arranged.When the user sends described indication information and includes the line of credit that maybe can overdraw money from bank and transfer accounts the number of the account, transit number, the amount of money of instruction, gathering trade company bank of gathering trade company and user cipher, system is according to the agreement of user and bank, notice is the number of the account deduction of payment amount from the bank of transit number correspondence, and transferring accounts is subjected to the Bank Account Number of money trade company.Identical with embodiment 1 because database (2) is storing the update of their bank of deposit of each user, at closing of the circuit, accepted data that the user once imports after, server (1) can comparatively fast be answered the result of transaction immediately.

Embodiment 5:

Buying the prepaid calling card that current mobile communication carrier sells, when in voice automatic value-charging service system, supplementing with money by the mobile phone that adopts the method, the user just can be in advance will be according to 10 multidigit numbers on the selection of voice suggestion number, the prepaid mobilephone card, separate with " # ", in company with together input of dialing, avoided importing this 10 multidigit number again behind the connection phone, in case input wrong also need beat again No. one time phone again.

The self-help charging that automatic speech service in the telephone bank that for example domestic some bank has opened provides, the service of transferring accounts, account inquiry, silver card lead to or the like, can use and take the mobile phone of the method once to import.

Embodiment 6:

The foregoing description 1～4 mainly is effect and the flexibility of explanation this method in financial payment.In fact, each domestic big bank has all opened services such as telephone bank, Web bank, all-purpose card respectively and successively, but generally all has safety issue, so again just like " professional version " of Web bank and the branch of " popular edition "." popular version " made full use of the security mechanism of browser itself, and " professional version " of certain bank then taked X.509 standard digital certificate system, has higher fail safe." popular version " need not to download any software, only needs 1 All-China Federation of Taiwan Compatriots's net computer, just can use this function, operates at browser interface." professional version " then needs download client software, opens " professional version " window during operation automatically, and can only use on the computer that personal certificate is installed.For these service systems, when striking a bargain, utilize the channel of this method by telecommunication link, the user sends the password of setting, will improve its fail safe.It is also very simple to send the cryptographic processes of setting, and once inputs " xxA# password (94) # " transmission with the mobile phone of registration and gets final product the access dial that " xxA " provides for bank; The password that register when these are served for application " password (94) ".

The foregoing description explanation has highlighted the user with the relevant indication of mobile phone (3) Sending Payments, and the also available landline telephone of user sends indication, and principle is the same, is number to register inconvenience during use with landline telephone.With the landline telephone indication is disposable called telephone number and the indication information imported simultaneously, after connecting subscribers participating is called out, and after indication information supplies server (1) analysis and answers the user, both sides' on-hook.

For partial information in some call numbers commonly used and the indication information, can be pre-stored in as the mode of telephone directory in the register of telephone set, select during use to access; After number and information are accessed, but user's local modification or continuation are pressed remainder information input in the indication information then on the transmission key of appointment and are sent.

For example among the embodiment 1, before withdrawing deposit, ATM (automatic teller machine) (73) once imports " phone number # drawing instruction 83* (97) * (94) # ".Can " phone number #83* " wherein be pre-stored in the telephone directory, and put on the literal of " drawing ".Access during drawing, add that " (97) * (94) # " transmission gets final product.

The consumer is at shopping, with mobile phone send money indication, once input " phone number # payment instruction 81* (93B) * (97) * (96) * (94) # ".Can " phone number #81* " wherein be pre-stored in the telephone directory, and put on the literal of " shopping ".Access during shopping, helped the consumer, imported from consumer's mobile phone by the shop-assistant: (93B) * (97) * (96) * is got final product by consumer's input " password (94) # " transmission then.

By the shop-assistant for input, be because they often operate, to own trade company number of the account (93B), order number (97), dealing money (96) skilled operation all, see " order number (97), loan amount (96) " clearly by the user at last after, the numeral of 4～6 user ciphers of input, send again.

For example among the embodiment 2, the user once imports " phone number (C) # instruct 11*23456# " with mobile phone and requires to berth No. 23456 parking stalls the beginning of chargeing.Can " phone number (C) # instruct 11* " wherein be pre-stored in the telephone directory, and put on the literal of " berthing ".Access when berthing, add that " 234567# " can send.

For example among the embodiment 6, the user once inputs " xxA# password (94) # " with mobile phone, supposes that password (94) is " 345678 ", can " xxA#3456 " wherein be pre-stored in the telephone directory, and put on corresponding literal.Access during the transaction of described telephone bank of confirmation request or services such as Web bank or all-purpose card, add that " 78# " can send.Add that " 78# " loses for the contingency mobile phone, all password is very fast not stolen.

Telephone directory prestores the software program of mode and current black phone relatively, is in the part that accesses from telephone directory before the data Buddhist monk does not send little difference to be arranged.After for example accessing the data of phone number, generally be select to send or cancellation from cell-phone telephone book, and many here selections that replenishes input or revise; After accessing the data of phone number from the telephone directory of landline telephone, generally be instant the transmission or cancellation, and many here selections that replenishes input or revise, and then by the transmission key of appointment.

Also can increase many functions again in the method for the present invention at mobile phone (3) or landline telephone (5) lining, after being received described indication information by the server of call through (1), when replying with the digital information of dual-tone multifrequency, described mobile phone (3) or landline telephone (5) can show its digital information at display screen, and can deposit its digital information in the notepads such as telephone directory.The generation that is shown can just be shown automatically so long as receive when the terminal called machine has the digital information of dual-tone multifrequency in answering.When the user pressed the button of appointment again, this digital information deposited in the notepad.Though this digital answer is comprehensively clear not as literal shows, but in conjunction with each above-mentioned embodiment, as the answer of accepting Payment Request, trade confirmation etc. all is based on "Yes" or " not being ", can represent that explicitly transit number, number of the account, order number, the amount of money etc. all are again with numeral with " 11 " or " 00 " fully.This demonstration also can be when shopping, and consumer and shop-assistant have the words of different opinions to watch simultaneously.

The mode of payment of once importing of the present invention has remedied the deficiency that may incur loss through delay when sending about payment with note; Reduced according to voice suggestion and keyed in for information about the loaded down with trivial details and chance of makeing mistakes successively, also needed the trouble of re-dialing telephone after having avoided makeing mistakes; The once input payment service of utilizing modern communication networks is provided more reliably, the Payment Methods of another stored value card are provided, great society and economic benefit have been arranged.

Claims (7)

1. once import mode of payment for one kind, include telecommunication system (4) and server (1) is regarded as terminal set connect, distribute by telecommunication system (4) operator and insert telephone number and give server (1); Database stores trading management information in (2); The user realizes payment transaction by mobile phone (3) or landline telephone (5) and server (1) exchange message, it is characterized in that:

1) user from the number of mobile phone (3) keyboard input, was the indication information relevant with payment that includes telephone number and be sent out before pressing the transmission key;

2) described telephone number is an access telephone number of distributing to server (1);

3) described indication information is the information that the user desires to send to server (1);

4) telephone number and indication information are separated with the keyboard symbol beyond the numeral on the input keyboard;

5) press after the transmission key, mobile phone (3) is sent called number earlier;

6) after confirming that calling is switched on, indication information is sent to the server (1) that is switched on by speech channel;

7) server (1) is the indication information of receiving, the data in binding data storehouse (2) is come analyzing and processing, and provide and the relevant service of paying the bill, and the result IMU is crossed speech channel with voice or Audio Reply user, after information exchange finishes, both sides' on-hook.

2 modes of payment of once importing according to claim 1 is characterized in that described server (1) has:

1) voice or the audio content of the subscriber-related trading of answer;

2) can connect bank computer (6) through network, transaction terminals (7) such as trade company's sales counter computer provide the user, bank, the payment transaction between the trade company.

3. the mode of payment of once importing according to claim 1 is characterized in that the described indication information that is sent out is made up of 1 section～plurality of sections numeral, respectively the representative and each the relevant information of paying the bill; Differentiation between each piece of digital, regulation is divided with the figure place that each piece of digital contains, and perhaps separates with the keyboard symbol beyond the numeral, comes serviced device (1) identification with this; When the symbol of using certain regulation was separated, each section was separated digital information and sending in the process by speech channel, and the time that is separated one section setting is respectively sent.

4. the mode of payment of once importing according to claim 1 is characterized in that the mode that described affirmation calling is switched on includes:

1) through one section setting-up time, mobile phone sent indication information automatically after ringback tone interrupted;

2) receive the signal specific that called server (1) beams back after, send indication information;

3) user hears in the ringback tone and has no progeny, or hears to click after the signal specific that server (1) beams back again and send key or any assignment key, sends indication information.

5. the mode of payment of once importing according to claim 1 can is characterized in that with landline telephone dialing and transmission and the same indication information of described mobile phone (3):

1) user presses after the function key of certain appointment under the state of on-hook, from the number of landline telephone (5) keyboard input, is to include telephone number and the indication information relevant with payment that is sent out;

2) telephone number and indication information are separated with the keyboard symbol beyond the numeral on the input keyboard;

3) click the key of the function key of described appointment or other appointment behind the off-hook after, landline telephone (5) is the Outgoing Call number at first;

4) the user hear have no progeny in the ringback tone or hear the signal specific that server (1) beams back after click the function key of described appointment or the key of other appointment again, indication information is sent to called server (1) by speech channel;

5) server (1) is crossed speech channel to the result IMU with voice or Audio Reply user, after information exchange finishes, and both sides' on-hook.

6. once import mode of payment according to claim 1 or 5, it is characterized in that partial information in described call number and the indication information, can be pre-stored in as the mode of telephone directory in the register of telephone set, select during use to access; After number and information are accessed, but user's local modification or continuation are pressed the input of the remainder information in the indication information then on the transmission key of appointment and are sent.

7. the mode of payment of once importing according to claim 1 is characterized in that described server (1) can be arranged in the bank computer net, for the user in the tame bank computer net provides the accounting payment service; Described server (1) can be arranged on outside the bank computer net, for how tame bank and user thereof provide the accounting payment service; Described server (1) can be set in the computer net of a tame enterprise or industry specific payment services are provided.

Images