CZ2009401A3 - Telephone payment system - Google Patents

Abstract

The telephone payment system consists of a telephone set (1) connected to a registration database (2) which contains a database (3) of registered customers and a database (4) of registered products and services. The telephone set (1) is further connected to an intelligent telephone exchange (5), connected by feedback to the control control system (6), linked to the registration database (2), to the database (8) of the voice messages, the database (7). SMS responses, connected to the SMS gateway (9) for both the fixed and mobile networks, connected to the telephone set (1). The voice message database (8) is connected to a smart phone exchange (5).

Description

Telephone payment system

Technical field

The invention relates to a telephone payment system intended for payments for various products and services using a telephone apparatus and a prepaid bill or prepaid card.

BACKGROUND OF THE INVENTION

Two basic systems are currently used to make a payment for products or services using a telephone, 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

A customer with a prepaid account 3 from his mobile or landline phone 1 calls a premium number and is routed to the IVR 6a by the PBX 5. Here the caller is informed by voice help about the choice of products and services and through tone dialing (DTMF) it goes through the selection tree to the desired service or product that it wants to pay. The tariff for calling a premium number 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 telephone account.

The big disadvantage of this method is the lengthy browsing of the selection tree of products and services in the IVR system and the resulting long occupation of the call paths.

Payment by sending a premium SMS

A customer with a prepaid account 3 from their mobile phone] sends a so-called Premium SMS number via SMS gateway 9 to a premium SMS, i.e. an SMS containing a keyword uniquely associated with the selected product or service in its text. This SMS is routed to the Premium SMS application 6b by number and keyword and informs the customer about the successful or unsuccessful payment by a return SMS message sent to his / her phone 1. The price of SMS sent to the premium number matched 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 account 3.

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

SUMMARY OF THE INVENTION

The purpose of the 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 to a coherent functional system so as to enable previously unknown payment operations.

The essence of the telephone payment system of the present invention is that the telephone payment system consists of a telephone apparatus connected to a registration database that contains a database of registered customers and a database of registered products and services. The telephone is further interconnected with an intelligent telephone exchange, interconnected with feedback to the control control system, interconnected with the feedback to the registration database, further to the voice message database, SMS response database, interconnected to the SMS gateway for fixed and mobile network connected to the telephone. The voice message database is connected to an intelligent telephone exchange.

SUMMARY OF THE INVENTION The principle of the invention consists in interconnecting the individual generally known elements 1 to 9 of this system by means of links and feedbacks A to H as shown in Fig. 2. This interconnection of telephone payment system elements together with assigning telephone numbers to individual products and services stored in the 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 simply by dialing the number associated with the selected product or service, followed by passing back the payment transaction result via text or voice message.

The advantage of the described solution is the possibility to use a telephone payment system not only from a mobile but also from a classic fixed telephone device. Another advantage is its simplicity and, last but not least, a substantial increase in the speed of the payment transaction, respectively shortening of the time of occupation of connecting routes in the telephone network.

• ·

Thanks to the described interconnection of its individual elements, the telephone payment system enables a previously unknown method of payment from a prepaid account by simply dialing the number assigned to the selected product or service, followed by passing back the payment transaction result by text or voice message.

Overview of the drawings

The invention of the telephone payment system is illustrated in detail in the following block diagram in Fig. 2, Fig. 1 is a prior art payment system using a telephone, calling a premium number or sending a premium SMS.

DETAILED DESCRIPTION OF THE INVENTION

The telephone payment system of FIG. 2 consists of a telephone apparatus 1 connected to a registration database 2 comprising a database of 3 registered customers and a database of 4 registered products and services. The telephone apparatus 1 is further connected to an intelligent telephone exchange 5, connected by feedback to the control control system 6, connected by feedback to the registration database 2, further to the voice message database 8, the SMS response database 7, which is connected to the SMS gateway 9 a mobile network connected to the telephone 1. The database of 8 voice messages is connected to the intelligent telephone exchange 5.

Description of the function of the telephone payment system:

The customer sets up a prepaid payment account for his / her phone 1 via link A, while registering the products and services that he / she intends to pay from the account, his / her phone numbers (mobile and fixed) to use for the payment order, loads. The data is transferred to a registration database 2 which contains a database (3) of registered customer accounts, a database (4) of 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) · • φ t «11

Without answering the call, the telephone exchange 5 identifies the caller's telephone number based on the CLIP service and forwards this number together with the called payment number for the product or service (line C) to the control system 6.

Based on the caller's telephone number and the called payment number for the product or service, the control system 6 verifies (link D) in the registration databases 2, 3 and 4 that the customer fulfills the conditions for payment, i.e. that his 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 conditions for payment is positive, the control system 6:

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

- deducts payment for the product or service ordered from your prepaid account

- from the SMS reply database 7, confirming the SMS (link F) and sending information about a successful payment in the form of SMS via SMS gateway 9 to the customer's phone 1 (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 conditions for payment is negative, the control system 6:

- select from the database of 8 voicemails an appropriate response (link H),

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

E

£ 2 £ 00

ZOOC - o

List of individual elements (blocks) of the telephone payment system:

1. Customer's telephone set

2. Registration database

3. Database of registered customers

4. Database of registered products and services

5. Intelligent telephone exchange

6. Management and control system

7. Database of SMS responses

8. Database of voice messages

9. SMS gateway for fixed and mobile networks

A to H is the functional interconnection of individual elements of the system.

Claims (1)

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