CN102867376A - Interactive voice response payment method, terminal and interactive voice response payment method system - Google Patents
Interactive voice response payment method, terminal and interactive voice response payment method system Download PDFInfo
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- CN102867376A CN102867376A CN2012102774169A CN201210277416A CN102867376A CN 102867376 A CN102867376 A CN 102867376A CN 2012102774169 A CN2012102774169 A CN 2012102774169A CN 201210277416 A CN201210277416 A CN 201210277416A CN 102867376 A CN102867376 A CN 102867376A
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- 238000000034 method Methods 0.000 title claims abstract description 19
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- 238000004891 communication Methods 0.000 claims abstract description 7
- 238000012011 method of payment Methods 0.000 claims description 6
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- 230000005540 biological transmission Effects 0.000 description 3
- 238000005516 engineering process Methods 0.000 description 2
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Abstract
The embodiment of the invention discloses an interactive voice response payment method, a terminal and an interactive voice response payment system. The interactive voice response payment method comprises the steps that the terminal and a swipe card reader establish communication connections and a payment application program of the swipe card reader is loaded; the terminal receives the login information of a payee, executes the login of the payee and receives an order information after the payee finishes the login, wherein the order information includes the amount of money, a cell-phone number for confirming payment, and the identification information of a user; the terminal receives a bankcard number from the swipe card reader; the swipe card reader reads and analyzes the track information of a bankcard of the user and to obtain the bankcard number; and the terminal sends a user paid order to an interactive voice response payment platform, wherein the user paid order includes the order information and the bankcard number. According to the interactive voice response payment method and system and the terminal, disclosed by the invention, the IVR (Interactive Voice Response) payment of a general intelligent terminal of the user is achieved, and the payment safety and versatility are enhanced.
Description
Technical field
The present invention relates to the voice payment technical field, particularly a kind of interactive voice answering method of payment, terminal and system.
Background technology
Voice payment is the novel modes of payments of carrying out payment transaction in the process of calling.Existing voice payment mode is connected for the user sets up voice by phone and merchant transaction platform, the merchant transaction platform can obtain the information such as phone number, bank card number and bank card password that the user provides, the information exchange that the merchant transaction platform provides the user is again crossed network and is sent in the trading payment system, after trading payment system is deducted fees to bank card number corresponding to this phone number, can notify the merchant transaction platform, the merchant transaction platform provides corresponding service or product for the user again.
IVR(Interactive Voice Response, interactive voice answering) payment belongs to voice payment, is a kind of powerful phone automatic service system.It is with prerecording or by TTS(Text To Speech text-to-speech) the synthetic voice of the technology system that carries out auto answer, a kind of function of carrying out menu navigation for the client is provided, be mainly used in the call center system.In finishing payment process, by the card swiping terminal of mobile audio interface connection smart mobile phone, the user brushes bank card at card swiping terminal, and in application program of mobile phone interface input payment verification key element, wherein, debit card is password; Credit card is the term of validity and CVN2(Card Verification Number, the card security code), finish the payment scheme of swiping the card of payment.During transaction, user bank card number and payment cipher separate channel and transmit in real time, card number is by the internet transmission, password is by phone (IVR, Interactive Voice Response,) transmission of interactive voice answering voice channel, the danger of having avoided bank's card number and password to be intercepted and captured simultaneously.This scheme is applied to webpage at present, call center, the pay invoice callback validation of payment that the special handset client is sent; Also unrealized in this Terminal Type equipment of common smart mobile phone.
At present in smart mobile phone POS(point of sale, point of sale) payment of swiping the card is with individual artificial main target, the input password is hand hands-operation the holder.But in the trade company application scenario, the trade company mobile phone is installed the POS card swiping terminal, and the holder need to input password at the mobile phone of trade company, and card number and password be at same environment, and same channel transmits, and causes certain potential safety hazard.For example the mobile phone viruses wooden horse might record holder's card number and payment verification password technically, causes sensitive data to leak.
The inventor finds in realizing the process of the embodiment of the invention, at present IVR can not be common to for the general intelligence terminal, and there is certain potential safety hazard in POS card swiping terminal scheme.
Summary of the invention
The embodiment of the invention provides a kind of interactive voice answering method of payment, and terminal and system realize the IVR payment in user's general intelligence terminal, improve payment safety and versatility.
A kind of interactive voice answering method of payment comprises:
Terminal and card reader are set up and can be communicated to connect, and load the payment application of card reader;
Terminal receives the log-on message of beneficiary and carries out the login of beneficiary, receives sequence information after beneficiary is finished login, and described sequence information comprises: the amount of money, be used for cell-phone number and the user identification information may of payment affirmation;
Terminal receives the bank's card number from described card reader; After described bank card number reads the magnetic track information of user's bank card by described card reader, separate magnetic track information and obtain;
Terminal sends to the interactive voice answering payment platform with user's pay invoice, and described user's pay invoice comprises described sequence information and described bank card number.
Preferably, the payment application of described loading card reader comprises: load the payment application corresponding with described card reader that is pre-installed on described terminal; Perhaps, described terminal and card reader set up can communicate to connect after, load payment application from card reader.
Preferably, described method also comprises:
Receive and the demonstration payment result.
Preferably, after described bank card number reads the magnetic track information of user's bank card by described card reader, separating magnetic track information is comprised: bank's card number is separated magnetic track information and is obtained bank's card number after reading the magnetic track information of the second magnetic track of user's bank card and the 3rd magnetic track by described card reader.
A kind of terminal comprises:
Communication interface is used for setting up and can communicating to connect with card reader; Reception is from bank's card number of described card reader; After described bank card number reads the magnetic track information of user's bank card by described card reader, separate magnetic track information and obtain;
The program loading unit is for the payment application that loads card reader;
The login control module, the login that is used for receiving the log-on message of beneficiary and carries out beneficiary;
The order reception unit is used for the login control module and confirms to receive sequence information after beneficiary is finished login, and described sequence information comprises: the amount of money, be used for cell-phone number and the user identification information may of payment affirmation;
Transmitting element sends to the interactive voice answering payment platform with user's pay invoice, and described user's pay invoice comprises described sequence information and described bank card number.
Preferably, described program loading unit, concrete for loading the payment application corresponding with described card reader that is pre-installed on described terminal; Perhaps, described communication interface and card reader set up can communicate to connect after, load payment application from card reader.
Preferably, described terminal also comprises:
Receiving element receives payment result;
Display unit is used for the payment result that shows that receiving element receives.
A kind of interactive voice answering payment system comprises:
Terminal and card reader;
Described card reader after being used for reading the magnetic track information of user's bank card, is separated magnetic track information and is obtained bank's card number; And bank's card number sent to terminal;
Described terminal is used for setting up and can communicating to connect with card reader, and loads the payment application of card reader; Receive the log-on message of beneficiary and carry out the login of beneficiary, receive sequence information after beneficiary is finished login, described sequence information comprises: the amount of money, be used for cell-phone number and the user identification information may of payment affirmation; Reception is from bank's card number of described card reader; Terminal sends to the interactive voice answering payment platform with user's pay invoice, and described user's pay invoice comprises described sequence information and described bank card number.
Preferably, described terminal, the payment application that is used for the loading card reader comprises: be used for loading the payment application corresponding with described card reader that is pre-installed on described terminal; Perhaps, described terminal and card reader set up can communicate to connect after, load payment application from card reader.
Preferably, described terminal also is used for receiving and showing payment result.
As can be seen from the above technical solutions, the embodiment of the invention has the following advantages: load the payment application of card reader in terminal, read the magnetic track information of bank card and obtained thus bank's card number by card reader; Then generate user's pay invoice in terminal and send to the IVR payment platform, realized in user's general intelligence terminal, realizing the IVR payment, improve payment safety and versatility.
Description of drawings
In order to be illustrated more clearly in the technical scheme in the embodiment of the invention, the accompanying drawing of required use was briefly introduced during the below will describe embodiment, apparently, accompanying drawing in the following describes only is some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite of not paying creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Fig. 1 is embodiment of the invention method flow synoptic diagram;
Fig. 2 is embodiment of the invention terminal structure synoptic diagram;
Fig. 3 is embodiment of the invention terminal structure synoptic diagram;
Fig. 4 is embodiment of the invention system architecture synoptic diagram;
Fig. 5 is another system architecture synoptic diagram of the embodiment of the invention.
Embodiment
In order to make the purpose, technical solutions and advantages of the present invention clearer, the present invention is described in further detail below in conjunction with accompanying drawing, and obviously, described embodiment only is a part of embodiment of the present invention, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills belong to the scope of protection of the invention not making all other embodiment that obtain under the creative work prerequisite.
The embodiment of the invention provides a kind of interactive voice answering method of payment, as shown in Figure 1, comprising:
101: terminal and card reader are set up and can be communicated to connect, and load the payment application of card reader;
Above-mentioned terminal can have for smart mobile phone, panel computer etc. are various and loads payment application, communicates and the hardware device of voice call function with server in the network, can there be a lot of equipment optional, specifically adopt which kind of equipment embodiment of the invention will not limit this.
More specifically, the payment application of above-mentioned loading card reader comprises: load the payment application corresponding with above-mentioned card reader that is pre-installed on above-mentioned terminal; Perhaps, above-mentioned terminal and card reader set up can communicate to connect after, load payment application from card reader.
102: terminal receives the log-on message of beneficiary and carries out the login of beneficiary, receives sequence information after beneficiary is finished login, and the above order information comprises: the amount of money, be used for cell-phone number and the user identification information may of payment affirmation;
Above-mentioned identity identification information is the information for unique definite user, and this information is to be used for the identity identification information open an account with the bank, such as: the identification card number of I.D., the certificate number of officer's identity card etc. will not limit this embodiment of the invention.
103: terminal receives the bank's card number from above-mentioned card reader; After above-mentioned bank card number reads the magnetic track information of user's bank card by above-mentioned card reader, separate magnetic track information and obtain;
More specifically, after above-mentioned bank card number reads the magnetic track information of user's bank card by above-mentioned card reader, separating magnetic track information is comprised: bank's card number is separated magnetic track information and is obtained bank's card number after reading the magnetic track information of the second magnetic track of user's bank card and the 3rd magnetic track by above-mentioned card reader.
104: terminal sends to the interactive voice answering payment platform with user's pay invoice, and above-mentioned user's pay invoice comprises the above order information and above-mentioned bank card number.
Further, for improving user experience, said method also comprises: receive and the demonstration payment result.
Need to prove that terminal sends to user's pay invoice after the interactive voice answering payment platform, the interactive voice answering payment platform can be finished the IVR payment according to its own flow process, and its specific implementation process embodiment of the invention will not limit.
Above embodiment, the payment application of loading card reader in terminal is read the magnetic track information of bank card and is obtained thus bank's card number by card reader; Then generate user's pay invoice in terminal and send to the IVR payment platform, realized in user's general intelligence terminal, realizing the IVR payment, improve payment safety and versatility.
The embodiment of the invention also provides a kind of terminal, as shown in Figure 2, comprising:
Login control module 203, the login that is used for receiving the log-on message of beneficiary and carries out beneficiary;
Transmitting element 205 sends to the interactive voice answering payment platform with user's pay invoice, and above-mentioned user's pay invoice comprises the above order information and above-mentioned bank card number.
Above embodiment, the payment application of loading card reader in terminal is read the magnetic track information of bank card and is obtained thus bank's card number by card reader; Then generate user's pay invoice in terminal and send to the IVR payment platform, realized in user's general intelligence terminal, realizing the IVR payment, improve payment safety and versatility.
Alternatively, said procedure loading unit 202, concrete for loading the payment application corresponding with above-mentioned card reader that is pre-installed on above-mentioned terminal; Perhaps, after above-mentioned communication interface 201 and card reader foundation can communicate to connect, load payment application from card reader.
Further, as shown in Figure 3, above-mentioned terminal also comprises:
Receiving element 301 receives payment result;
The embodiment of the invention also provides a kind of interactive voice answering payment system, as shown in Figure 4, comprising:
Terminal 401 and card reader 402; Above-mentioned card reader 402 after being used for reading the magnetic track information of user's bank card, is separated magnetic track information and is obtained bank's card number; And bank's card number sent to terminal 401;
Above-mentioned terminal 401 is used for setting up and can communicating to connect with card reader 402, and loads the payment application of card reader 402; Receive the log-on message of beneficiary and carry out the login of beneficiary, receive sequence information after beneficiary is finished login, the above order information comprises: the amount of money, be used for cell-phone number and the user identification information may of payment affirmation; Reception is from bank's card number of above-mentioned card reader 402; Terminal 401 sends to the interactive voice answering payment platform with user's pay invoice, and above-mentioned user's pay invoice comprises the above order information and above-mentioned bank card number.
Alternatively, above-mentioned terminal 401, the payment application that be used for to load card reader 402 comprises: be used for loading the payment application corresponding with above-mentioned card reader 402 that is pre-installed on above-mentioned terminal 401; Perhaps, after above-mentioned terminal 401 and card reader 402 foundation can communicate to connect, load payment application from card reader 402.
Further, above-mentioned terminal 401 also is used for receiving and showing payment result.
The embodiment of the invention has provided whole applicating example explanation that such scheme is combined with the IVR flow process, sees also Fig. 5.
1.: after the payment platform of card reader and terminal connect, the application program of terminal operating card reader, trade company is at (the app of terminal login card reader, Application) use (entrance and exit of application program), input order data, the amount of money, the cell-phone number that is used for user's payment affirmation and user identity card number in the app of card reader; Then after giving user card punching and finishing, deliver to the payment platform of card reader on the order.Behind the user card punching, card reader reads the magnetic track information of bank card, and on deliver to the payment front platform of card reader, undertaken deciphering magnetic track information after a series of safety practices by front platform, obtain bank's card number of user.
2.: the payment platform of card reader is submitted user's pay invoice to the IVR payment platform, and order contents comprises the amount of money, user bank card number, is used for cell-phone number and the user identity card information of user's payment affirmation.
3.: the IVR payment platform, carry out callback by aforementioned cell-phone number for user's payment affirmation, the user answers the payment affirmation incoming call from the IVR payment platform, and payment is confirmed in prompting according to voice broadcast, the input debit card transactions password/credit card term of validity and CVN2 finishes and confirms operation.
4.: the IVR payment platform submit to payment request (content comprises user bank card number, and Payment Amount is accepted bank account) to bank without the card payment platform.
5.: bank submits to above-mentioned payment to ask to credit card issuer without the card payment platform.
6.: credit card issuer returns to bank without the card payment platform with payment result.
7.: bank returns to the IVR payment platform without the card payment platform with result.
8.: the IVR payment platform returns results to the payment platform of card reader.
9.: the payment platform of card reader returns payment result to user (note is confirmed in APP picture disply result or transmission).
Above embodiment, the payment application of loading card reader in smart mobile phone is read the magnetic track information of bank card and is obtained thus bank's card number by card reader; Then generate user's pay invoice in terminal and send to the IVR payment platform, realized in user's general intelligence terminal, realizing the IVR payment, improve payment safety and versatility.Above embodiment swipes the card in smart mobile phone one side, application is by the system backstage of standard interface access IVR, allow the holder in the mobile payment solution of my mobile phone or phone input payment verification key element with the callback of IVR voice, improve payment safety and versatility.
It should be noted that among the embodiment of above-mentioned terminal that included unit is just divided according to function logic, but is not limited to above-mentioned division, as long as can realize corresponding function; In addition, the concrete title of each functional unit also just for the ease of mutual differentiation, is not limited to protection scope of the present invention.
In addition, one of ordinary skill in the art will appreciate that all or part of step that realizes in above-mentioned each embodiment of the method is to come the relevant hardware of instruction to finish by program, corresponding program can be stored in a kind of computer-readable recording medium, the above-mentioned storage medium of mentioning can be ROM (read-only memory), disk or CD etc.
Below only be the better embodiment of the present invention; but protection scope of the present invention is not limited to this; anyly be familiar with those skilled in the art in the technical scope that the embodiment of the invention discloses, the variation that can expect easily or replacement all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection domain of claim.
Claims (10)
1. an interactive voice answering method of payment is characterized in that, comprising:
Terminal and card reader are set up and can be communicated to connect, and load the payment application of card reader;
Terminal receives the log-on message of beneficiary and carries out the login of beneficiary, receives sequence information after beneficiary is finished login, and described sequence information comprises: the amount of money, be used for cell-phone number and the user identification information may of payment affirmation;
Terminal receives the bank's card number from described card reader; After described bank card number reads the magnetic track information of user's bank card by described card reader, separate magnetic track information and obtain;
Terminal sends to the interactive voice answering payment platform with user's pay invoice, and described user's pay invoice comprises described sequence information and described bank card number.
2. described method according to claim 1 is characterized in that the payment application of described loading card reader comprises:
Loading is pre-installed on the payment application corresponding with described card reader of described terminal; Perhaps, described terminal and card reader set up can communicate to connect after, load payment application from card reader.
3. described method according to claim 1 and 2 is characterized in that, also comprises:
Receive and the demonstration payment result.
4. described method according to claim 1 and 2 is characterized in that, after described bank card number reads the magnetic track information of user's bank card by described card reader, separates magnetic track information and is comprised:
After bank's card number reads the magnetic track information of the second magnetic track of user's bank card and the 3rd magnetic track by described card reader, separate magnetic track information and obtain bank's card number.
5. a terminal is characterized in that, comprising:
Communication interface is used for setting up and can communicating to connect with card reader; Reception is from bank's card number of described card reader; After described bank card number reads the magnetic track information of user's bank card by described card reader, separate magnetic track information and obtain;
The program loading unit is for the payment application that loads card reader;
The login control module, the login that is used for receiving the log-on message of beneficiary and carries out beneficiary;
The order reception unit is used for the login control module and confirms to receive sequence information after beneficiary is finished login, and described sequence information comprises: the amount of money, be used for cell-phone number and the user identification information may of payment affirmation;
Transmitting element sends to the interactive voice answering payment platform with user's pay invoice, and described user's pay invoice comprises described sequence information and described bank card number.
6. described terminal according to claim 5 is characterized in that,
Described program loading unit, concrete for loading the payment application corresponding with described card reader that is pre-installed on described terminal; Perhaps, described communication interface and card reader set up can communicate to connect after, load payment application from card reader.
7. according to claim 5 or 6 described terminals, it is characterized in that, also comprise:
Receiving element receives payment result;
Display unit is used for the payment result that shows that receiving element receives.
8. an interactive voice answering payment system is characterized in that, comprising:
Terminal and card reader;
Described card reader after being used for reading the magnetic track information of user's bank card, is separated magnetic track information and is obtained bank's card number; And bank's card number sent to terminal;
Described terminal is used for setting up and can communicating to connect with card reader, and loads the payment application of card reader; Receive the log-on message of beneficiary and carry out the login of beneficiary, receive sequence information after beneficiary is finished login, described sequence information comprises: the amount of money, be used for cell-phone number and the user identification information may of payment affirmation; Reception is from bank's card number of described card reader; Terminal sends to the interactive voice answering payment platform with user's pay invoice, and described user's pay invoice comprises described sequence information and described bank card number.
9. described system according to claim 8 is characterized in that,
Described terminal, the payment application that is used for the loading card reader comprises: be used for loading the payment application corresponding with described card reader that is pre-installed on described terminal; Perhaps, described terminal and card reader set up can communicate to connect after, load payment application from card reader.
10. according to claim 8 or 9 described systems, it is characterized in that,
Described terminal also is used for receiving and showing payment result.
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| CN201210277416.9A CN102867376B (en) | 2012-08-03 | 2012-08-03 | A kind of interactive voice answering method of payment, terminal and system |
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| CN201210277416.9A CN102867376B (en) | 2012-08-03 | 2012-08-03 | A kind of interactive voice answering method of payment, terminal and system |
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Cited By (3)
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| CN104657857A (en) * | 2013-11-19 | 2015-05-27 | 腾讯科技（深圳）有限公司 | Method, related device and system for realizing payment |
| CN105243538A (en) * | 2014-07-13 | 2016-01-13 | 朱正兴 | Payment method |
| CN111355853A (en) * | 2020-03-17 | 2020-06-30 | 集奥聚合(北京)人工智能科技有限公司 | Call center data processing method and device |
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| CN111355853A (en) * | 2020-03-17 | 2020-06-30 | 集奥聚合(北京)人工智能科技有限公司 | Call center data processing method and device |
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| CN102867376B (en) | 2016-03-16 |
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Owner name: GUANGZHOU EASYLINK COMMERCIAL SERVICES CO., LTD. Free format text: FORMER OWNER: GUANGZHOU PULIAN INFORMATION TECHNOLOGY CO., LTD. Effective date: 20130216 |
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Address after: 528200, Guangdong, Nanhai District, Guicheng City, Foshan street, Nanping West Road, Guangdong Xia West International Rubber City No. 1, building four, A1-403 Applicant after: EASYLINK PAYMENT Co.,Ltd. Address before: Tianhe District Guangzhou city Guangdong province 510620 Sports Road No. 103, a Victoria Square Tower room 2501-2507 B Applicant before: GUANGZHOU EASYLINK COMMERCIAL SERVICES Co.,Ltd. |
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| COR | Change of bibliographic data |
Free format text: CORRECT: APPLICANT; FROM: GUANGZHOU EASYLINK COMMERCIAL SERVICES CO., LTD. TO: EASYLINK PAYMENT CO., LTD. Free format text: CORRECT: ADDRESS; FROM: 510620 GUANGZHOU, GUANGDONG PROVINCE TO: 528200 FOSHAN, GUANGDONG PROVINCE |
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| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CP02 | Change in the address of a patent holder |
Address after: 528000 floor 3, tower 1, Degao xinyilian Financial Plaza, No. 15, Ronghe Road, Guicheng Street, Nanhai District, Foshan City, Guangdong Province (residence declaration) Patentee after: EASYLINK PAYMENT Co.,Ltd. Address before: A1-403, 4th floor, building 1, phase I, Guangdong Xiaxi International Rubber and plastic city, Nanping West Road, Guicheng Street, Nanhai District, Foshan City, Guangdong Province, 528200 Patentee before: EASYLINK PAYMENT Co.,Ltd. |
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| CP02 | Change in the address of a patent holder |