CZ19996U1 - Telephone payment system - Google Patents

Description

Technical field

The technical solution relates to a telephone payment system intended for payments for various products and services using a telephone set and a prepaid account or a prepaid card.

Background Art

Currently, two basic systems are being used to make a payment for products or services via a telephone set, ie by calling a so-called premium number or sending a premium SMS. Both methods are shown schematically in Fig. 1 and described below.

Payment by calling a premium number io a customer with a prepaid account 3 from his or her mobile or fixed telephone 1 calls the premium number and is routed to the IVR 6a by the telephone exchange 5. In it, the caller is informed by voice call of the choice of products and services and by DTMF goes through the selection tree to the desired service or product he wants to pay. The premium number tariff is set to match the payment for the selected product or service. The amount corresponding to the payment for the selected service or product is deducted from the customer's prepaid account.

A major disadvantage of this method is the lengthy browsing of the product and service selection tree in the IVR system, and the resulting long travel time.

Payment by sending a premium SMS

A customer with a prepaid account 3 from his / her mobile phone I sends a so-called Premium SMS via a SMS gateway 9 to a premium SMS, ie an SMS containing a keyword uniquely assigned to the selected product or service in his / her text. This SMS is routed to the Premium SMS application 6b according to the number and keyword, which informs the customer of the successful or unsuccessful payment by a reverse SMS sent to his / her phone. to pay for the selected product or service. The amount corresponding to the payment for the selected service or product is deducted from customer's account 3,

The disadvantage of this is that it can only be used from phones that allow you to write, send, and receive text messages.

The essence of the technical solution

The task of a telephone payment system is to enable users of both mobile and classic landline phones a simple and fast way to pay for products and services using a prepaid account.

The telephone payment system uses elements that are currently commonly used to make payments using a telephone, but links these elements into a coherent functional system so that it can carry out unknown payment transactions.

The essence of the telephone payment system according to this technical solution is that the telephone payment system consists of a telephone set connected to a registration database which contains a database of registered customers and a database of registered products and services. The telephone set is also interconnected with an intelligent telephone exchange, connected by feedback to the control control system, connected by feedback to the registration database, to the voice message database, SMS response database, connected to the SMS gateway for the fixed and mobile networks, connected to the telephone set. The voice message database is connected to a smart phone exchange.

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The essence of the technical solution consists in connecting the generally known elements 1 to 9 of this system by means of connections and feedbacks A to H as shown in Fig. 2. This interconnection of the elements of the telephone payment system with the assignment of telephone numbers to individual products and services, which are stored in a database of registered products and services. The decision logic contained in the control system and the intelligent telephone exchange will allow a previously unknown method of payment from a prepaid account by simply ringing the number assigned to the selected product or service and then forwarding the payment transaction result text or voice message.

The advantage of the described solution is the possibility to use a telephone payment system not only from the mobile but also from the classical fixed telephone set. Another advantage is its simplicity and, last but not least, a substantial increase in the speed of the payment transaction, or the shortening of the connection time of the connection paths in the telephone network.

Thanks to the described interconnection of its individual elements, the telephone payment system allows a previously unknown method of payment from a prepaid account by simply ringing the number assigned to the product or service selected and then forwarding the payment transaction result with a text or voice message.

BRIEF DESCRIPTION OF THE DRAWINGS

The technical solution of the telephone payment system is illustrated in detail in the following block diagram in Fig. 2, Fig. 1 shows the prior art telephone payment system, premium number call or premium SMS sending.

Examples of technical solutions

The telephone payment system of Fig. 2 consists of a telephone set I connected to a registration database 2 which contains a database of 3 registered customers and a database of 4 registered products and services. The telephone set 1 is also connected to an intelligent telephone exchange 5, for 25 coupled feedback to control control system 6, connected by feedback to registration database 2, to database 8 of voice messages, database 2 to SMS, which is connected to SMS gateway 9 for a fixed and mobile network connected to a telephone set 1. The voice message database 8 is connected to a smart telephone exchange 5.

Description of the telephone payment system function:

The customer will also set up a prepaid payment account via his A-to-his / her phone while registering the products and services that he intends to pay from the account, the numbers of his / her mobile and fixed-line phones that will be used for the payment order and then the account in the standard way Charges. The data will be transferred to the registration database 2, which contains a database of 3 registered customer accounts, a database of 4 registered products and services, and other necessary data.

The customer dials the telephone number corresponding to the payment for the selected product or service (link B).

The telephone exchange 5, without receiving a call, identifies the caller's telephone number based on the CLIP service and passes this number, along with the number of the called product or service call (link C) to the control system 6.

The caller control system 6, by calling number and called product or service call number, verifies (link D) in the registration databases 2, 3 and 4 whether the customer meets the conditions for making the payment, that is, the phone is registered in the system, the product or the service is registered and its prepaid account is sufficiently charged.

If the check of the terms of payment is positive, control system 6:

- instructs the panel to reject the call (link E)

- prepaid account deducts payment for product or service ordered

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- from the SMS response database 7, an acknowledgment SMS (link F) and send information about a successful payment in the form of an SMS via SMS gate 9 to the customer on his telephone i (link G). Confirmation SMS is delivered to the customer's phone according to the type of phone in text or voice form.

If the check of the terms of payment is negative, control system 6:

- selects an appropriate response (link H) from the 8 voice message database

- instructs the control panel to receive the call (link E) and play the voice message to customer (link H).

Claims (1)

PROTECTION REQUIREMENTS A telephone payment system consisting of a telephone set (1), a registration database (2) including a database (3) of registered customers and a database (4) of registered products and services, and further comprising an intelligent telephone exchange (5) , control control system (6), voice message database (8), SMS response database (7) and SMS gateway (9) for both fixed and mobile networks, characterized in that the telephone (1) is connected to a registration database (6). 2), wherein the telephone (1) is further connected to an intelligent telephone exchange (5), interconnected with feedback to a control control system (6), interconnected with feedback to a registration database (2), further to a voice message database (8) , an SMS response database (7) connected to an SMS gateway (9) for both fixed and mobile networks, connected to a telephone (1), wherein the voice message database (8) is interconnected to an intelligent telephone exchange (5).