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CN1811807A - Method and system for accomplishing person to person payment using pronunciation and short message communication - Google Patents

Method and system for accomplishing person to person payment using pronunciation and short message communication
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Publication number
CN1811807A
CN1811807ACNA2006100569361ACN200610056936ACN1811807ACN 1811807 ACN1811807 ACN 1811807ACN A2006100569361 ACNA2006100569361 ACN A2006100569361ACN 200610056936 ACN200610056936 ACN 200610056936ACN 1811807 ACN1811807 ACN 1811807A
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user
payment
payment services
voice
services system
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CNA2006100569361A
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Chinese (zh)
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刘进
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Individual
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Abstract

Present invention provides personage to personage paying method and system utilizing speech sounds or speech-sounds and message communication. It contains speech-sounds communication interface of telecommunication network, message centre gateway communication interface, speech-sounds communication/processing module, subscriber administration module, user data base, fund management module, fund deal data base, and paying process control module etc. Payment side can complete paying deal course to gathering side only utilizing handset through speech-sounds or speech-sounds and message and paying service system interaction. Present invention has simple convenience and instant with safety and reliability.

Description

Utilize voice and SMS communication to finish the method and system of individual to individual's payment
Technical field:
The invention belongs to and relate to the individual the association area of individual mobile payment, relate in particular to how to utilize speech communication or voice and SMS communication in time, safety, finish the method and system of payment process easily.
Background technology:
Because the factor of each side such as history, society, economy, law, technology, China is still relatively backward with the relative western developed country of application in the technology of payment technical field at present.But along with the reform of China exploitation policy progressively deepen and economical flourish, the technology of payment technical field and use and all be hopeful fast development, thus promote society conversely, the development and the raising of economic and living standards of the people.
The individual modes of payments that present people are familiar with comprises: cash, check, credit/debit card, Payment Card/smart card (as value card, phonecard) etc.These several Payment Methods all have its advantage, but its defective is also arranged.Cash is the main means that the individual pays to the individual always.But utilize the inconvenience part of having paid in cash, as carry inconvenience, dangerous, unhygienic, be difficult for small change etc.Personal cheque is generally used as yet in China, and paying by check can not be cashed immediately and also is not suitable for frequent small amount payment.Credit/debit card, Payment Card/smart card etc. are not suitable for the individual individual are paid.Along with the fast development of Internet, engendered online individual now to individual paying website, as the shellfish treasured (Http:// www.paypal.com.cn), PayPal (Http:// www.paypal.com), PayBox (http://www.paybox.com) etc., but these websites are not also supported mobile payment at present.
Fast development along with China Telecom's wireless network, a large amount of be extensive use of (the note quantity of China in 2005 has reached 2,700 hundred million) of popularizing (China has nearly 400,000,000 cellphone subscribers at present) and note of mobile phone, mobile payment has become an emerging technology and commercial field and has grown up gradually.Support that at present the technology of mobile payment comprises SMS (note), IVR (interactive voice technology), WAP (WAP (wireless application protocol)), Kjava/BREW, USSD (unstructured supplementary data traffic), Bluetooth (wolf's fang technology), Infrared (infrared technology), RFID (radio frequency is distinguished technology) etc.But, utilize the solution of these technology to be used for the application of individual mostly to businessman's payment, and be not used in the individual individual is paid.
In the middle of these technology, note (SMS) and interactive voice technology (IVR) require advantages such as low, easy to use, cheap, that customer group is big because of it to user mobile phone, good application and development potentiality are arranged, and they have begun to be utilized in the mobile payment field, but these are used and also have some problems.For example, the National Industrial and Commercial Bank of China has just opened the mobile banking service based on short message mode.The user can enjoy more kinds of services such as transfer accounts, remit money, pay the fees after registering Mobile banking.But the mobile payment service based on note does not all solve safety problem well at present.Such as, the Mobile banking of industrial and commercial bank (note) payment helps to say in this way:
" after you do shopping on the internet, select " payment of Mobile banking of industrial and commercial bank ", browser page promptly is linked to Mobile banking of industrial and commercial bank (note) and pays the page, imports your phone number.System of Mobile banking's (note) sends note to you subsequently, and You are prompted with just is forwarded to " 777795588 with this note if confirm payment* * * * *" (wherein " * * * * * * " is Mobile banking's payment cipher).After this note is received by system, withhold to trade company from your account in real time, and will pay successful information and return you.Confirm that Mobile banking pay " the delivery of cargo button " that successfully please put below the payment button, the ejection card number password or the charging information page." this mobile banking service based on short message mode of the National Industrial and Commercial Bank of China is with Mobile banking's payment cipher or appoint and security information exists great security breaches as the method for short message content; this is not encrypted in transmission course because of note; and after note sent from mobile phone, at first to after sms center is deposited, be forwarded to the take over party again.After depositing and transmitting, note can continue to stay sms center a period of time until deleted, and in this process, telecommunications operator's staff can be easy to see short message content.Simultaneously, if the user is untimely processing, thereby the note that contains security information also can be stayed and becomes potential safety hazard in the user mobile phone.Therefore, though note popularity rate height, use is simple, convenient, cheap, and the characteristics of its poor stability make it be not suitable for transmission security information.
On the contrary, the security performance of interactive voice technology (IVR) is just fabulous.Undertaken in the interactive voice process by phone and IVR system the user, the information of user's input is not stayed backup, can not leaked so worry security information.Though interactive voice technology (IVR) is used for the accounts information automated inquiry system by many banks,, do not occur good application and method at present as yet interactive voice technology (IVR) is used for the field that the individual pays to the individual.
Comprehensive, no matter be from application or technical standpoint, at present, safely, effectively utilize voice or voice and note and finish the individual individual mobile payment is still a blank field.
Summary of the invention:
The present invention is directed to the blank that above-mentioned individual uses individual mobile payment, propose a kind of advantage that can make full use of note and speech communication technology, thereby utilize voice or voice and SMS communication to finish the method and system of individual in time, safely, easily individual's payment.
Concrete technical scheme of the present invention is as follows:
The method of individual to individual's payment finished in utilize voice or voice and SMS communication that the present invention proposes, and its characteristics are that paying party only need utilize phone by voice or can finish the process of exchange of paying the bill to beneficiary in conjunction with note and payment services system interaction again.
Utilize speech communication to finish the method for individual to individual's payment, its step comprises:
1. set up the voice messaging interface of payment services system and communication network and obtain special-purpose voice shortcode;
2. paying party and beneficiary are in payment services system registry account and personal user information is provided, and this information comprises user identity identification code, user identity identification password etc., and paying party also needs to inject fund to its account;
3. payment services system plays service item with voice mode after receiving the phone that paying party dials by this voice messaging interface;
4. payment services system continues the personal user information with voice mode inquiry paying party after receiving the payment services item instruction of paying party by voice or telephone keypad selection, and this information comprises user identity identification code, user identity identification password etc.;
5. checking user's the true identity and the validity of personal account are checked after receiving the above-mentioned information of paying party by voice or cell phone keyboard input by payment services system with the information that is stored in the User Information Database;
6. by after the checking, the payment services system is with the user identity identification code of voice mode inquiry beneficiary, finds the beneficiary account after receiving the information of paying party by voice or telephone keypad input;
7. payment services system is further with voice mode inquiry payment, check in the paying party account whether the sufficient amount of money is arranged after receiving the information of paying party by voice or telephone keypad input, if have, the payment services system informs that with voice mode the paying party payment transaction carries out at once;
8. payment services system forwards the Payment Amount of formulating to the beneficiary account from the paying party account; Simultaneously, transaction number advice and pay side and beneficiary that the result of Transaction Success and system are produced, as compile the mobile phone that note sends to paying party and beneficiary respectively, perhaps send Email etc.
Above-mentioned steps 8 then needs to set up in advance the SMS communication interface of payment services system and sms center gateway and obtains special-purpose note shortcode if desired with the result of way of short messages advice and pay side and beneficiary transaction.
Finish the method for individual to individual's payment jointly in conjunction with voice and SMS communication, its step comprises:
1. set up the SMS communication interface of payment services system and sms center gateway and obtain special-purpose note shortcode;
2. set up the voice messaging interface of payment services system and communication network and obtain special-purpose voice shortcode;
3. paying party and beneficiary be in payment services system registry account and personal user information is provided, and this information comprises user's phone number, user identity identification code, user identity identification password etc., and paying party also needs to inject fund to its account;
4. payment services system therefrom extracts information such as paying party phone number, Payment Amount and beneficiary user identity identification code after receiving the payment request note that paying party sends according to the form of system regulation by the SMS communication interface;
5. payment services system finds the user account corresponding with this number by the paying party phone number and checks whether the abundant amount of money is arranged in its account; Simultaneously, payment services system finds the beneficiary account by beneficiary user identity identification code;
6. if above inspection is all successful, the payment services system dials the paying party mobile phone by voice messaging interface and carries out the secondary authentification of user, with the user identity identification password of voice mode inquiry paying party;
7. payment services system verifies that if password is correct, the payment services system informs that with voice mode the paying party payment transaction carries out at once after receiving the password of paying party by voice or cell phone keyboard input;
8. payment services system forwards the Payment Amount of formulating to the beneficiary account from the paying party account; Simultaneously, transaction number advice and pay side and beneficiary that the result of Transaction Success and system are produced, as compile the mobile phone that note sends to paying party and beneficiary respectively, perhaps send Email etc.
The SMS communication interface of above-mentioned payment services system links to each other with the sms center gateway of telecom operators by communications protocol, or links to each other with the sms center gateway of telecom operators by third party service provider (SP).Different telecom operators can use different communications protocol, use CMPP agreement, the GSM of CHINAUNICOM network to use its cdma network of SGIP agreement then to use ETIP agreement or the like as China Mobile.This interface establish multiple proven technique and solution, do not give unnecessary details at this.
According to present popular technology, the above-mentioned payment services system and the voice messaging interface of communication network can be finished by the different technologies solution, as using telephone exchange (PBX) to link to each other with the traditional Public Switched Telephony Network based on electronic circuit (circuit-based) (PSTN) or using that technology based on Session Initiation Protocol links to each other with the communication network of internet protocol-based (IP-based) etc.The payment services system will receive the phone that the user dials and outwards dial the user mobile phone phone by this voice messaging interface.This voice messaging interface links to each other with the intrasystem speech communication/processing module of payment services.According to the voice messaging interface Technology Selection, speech communication/processing module can cooperate interactive voice to handle (IVR) technology and realize by computer telephone integration (CTI) or by the technology based on Session Initiation Protocol.Speech communication/processing module is responsible for comprising speech recognition, recording broadcast, text voice conversion (TTS) etc. by the interactive voice between the incoming call of computer control phone, exhalation and system and client.In view of at present existing proven technique and solution, as Avaya switch (G3si), HollyContact and the HollyIVR of HOLLYCRM (the skilful software of the gold of making a concerted effort), Avaya speech communication solutions etc. are not given unnecessary details at this.
The individual that paying party and beneficiary are stated in the use need and provide personal user information in payment services system registry account before to individual's mobile payment service, and this information comprises user's phone number, e-mail address, user identity identification code, user identity identification password etc.Owing to need import from portable terminal, user identity identification code and user identity identification password preferably are made up of so that import numeral.After personal account succeeded in registration, paying party need inject fund to its account.Fund is injected and both can be undertaken by modes such as cash, remittance, credits card, also can pass through the account charging of Web bank's account of user to its payment services system.
Two kinds of above-mentioned individuals form basic identical to individual's the modes of payments in method principle and system.The two has all utilized the good advantage of security performance of interactive voice technology (IVR) to guarantee the safety and effectiveness of payment services system.
Utilize voice to finish the payment services system of individual, comprising individual payment process:
1. voice messaging interface: the interface of payment services system and communication network.
2. speech communication/processing module: this module links to each other with voice messaging interface, and the interactive voice between the incoming call of control phone, exhalation and system and client comprises that speech recognition, recording are play, text voice conversion (TTS) etc.
3. user management module: be responsible for user registration/cancel, user profile change, user profile checking, user profile is extracted and storage or the like and subscriber-related management.
4. customer data base: storage user's accounts information.
5. capital management module: be responsible for fund process of exchange control, guarantee the integrality of process of exchange, the management relevant with fund with the supervision of the exchanges data of extraneous financial institution, transaction and record or the like.
6. funds transaction database: the content and the history that write down, store all funds transactions.
7. payment process control module: this module is coordinated, is controlled and manage whole payment process, its task comprises at least: 1) with speech communication/processing module cooperation, the information of user input is decomposed and analyzed, and generate instruction and the information that the user is exported; 2) invoke user administration module checking user profile; 3) call the capital management module and carry out transfer of financial resources, or the like.
According to actual conditions, above-mentionedly utilize voice to finish the individual can also to add other module on its basis to the payment services system of individual payment process, for example system monitoring module, system journal, WEB user interface, fire wall, flow equilibrium module, advanced security management and control module, alert service module, charge module or the like are built perfect a, safety, high-performance and wieldy payment services system.Wherein, the system monitoring module links to each other with other all modules of payment services system, system's each several part is monitored and its operation conditions is recorded system journal, and have abnormal behaviour function such as report to the police; System journal is used to write down, the operation conditions of storage system each several part.
Finish the payment services system of individual in conjunction with voice and note, comprising individual payment process:
1. SMS communication interface: the i.e. interface of payment services system and sms center gateway.The payment services system will be by this SMS communication interface transmitting-receiving note.This interface links to each other with the sms center gateway of telecom operators by the network communication protocol of telecom operators' appointment.Different telecom operators adopt different communications protocol, use CMPP agreement, the GSM of CHINAUNICOM network to use its cdma network of SGIP agreement then to use ETIP agreement or the like as China Mobile.
2. voice messaging interface: the interface of payment services system and communication network.
3. speech communication/processing module: this module links to each other with voice messaging interface, by the interactive voice between the incoming call of computer control phone, exhalation and system and client, comprises that speech recognition, recording are play, text voice conversion (TTS) etc.
4. user management module: be responsible for user registration/cancel, user profile change, user profile checking, user profile is extracted and storage or the like and subscriber-related management.
5. customer data base: storage user's accounts information.
6. capital management module: be responsible for fund process of exchange control, guarantee the integrality of process of exchange, the management relevant with fund with the supervision of the exchanges data of extraneous financial institution, transaction and record or the like.
7. funds transaction database: the content and the history that write down, store all funds transactions.
8. payment process control module: this module is coordinated, is controlled and manage whole payment process, its task comprises at least: 1) with SMS communication interface and speech communication/processing module cooperation, the information of user input is decomposed and analyzed, and generate instruction and the information that the user is exported; 2) invoke user administration module checking user profile; 3) call the capital management module and carry out transfer of financial resources, or the like.
According to actual conditions, above-mentionedly finish the individual in conjunction with voice and note and can also add other module on its basis the payment services system of individual payment process, for example system monitoring module, system journal, WEB user interface, fire wall, flow equilibrium module, advanced security management and control module, alert service module, charge module or the like are built perfect a, safety, high-performance and wieldy payment services system.Wherein, the system monitoring module links to each other with other all modules of payment services system, system's each several part is monitored and its operation conditions is recorded system journal, and have abnormal behaviour function such as report to the police; System journal is used to write down, the operation conditions of storage system each several part.
The present invention has following advantage and good effect:
1. paying party need only can be finished process of exchange to the beneficiary payment by note and voice and payment services system interaction.
2. for the numerous common people provide new, means of payment effectively and easily, potential user group is vast, be fit to China's actual conditions, market potential is big.
3. give full play to and ingenious at note and two kinds of mechanicss of communication of voice advantage separately, avoided the characteristics of note poor stability, payment process is safe and reliable.
Payment process simple, convenient, instant, low to the mobile phone hardware requirement, be fit to each mobile subscriber of stratum.
5. the technology maturation of system's use is stable, the enforcement difficulty is low, build the success ratio height.
6. system service content extensibility is strong.The system implementation person can be according to actual conditions, with technical scheme of the present invention is core, add other module and service on its basis, perfect a, safety, high-performance and wieldy payment services system are built in for example system monitoring, system journal, WEB user interface, fire wall, flow equilibrium, advanced security management and control, alert service, chargeable service or the like.
7. method and system of the present invention is not only applicable to the payment of individual to the individual, also can directly or slightly be done to be used for the payment of individual to businessman after the expansion.
8. the system implementation person can provide chargeable service to obtain economic interests.
Description of drawings:
Fig. 1 is to be the main process flow diagram of finishing the individual to individual payment process with voice.
Fig. 2 finishes the process flow diagram of individual to individual payment process jointly in conjunction with voice and SMS communication.
Fig. 3 is a payment services system architecture synoptic diagram of the present invention.
Embodiment:
According to technical scheme of the present invention, the payment services merchant builds up the payment services system, and provides online interface to register and manage its account for the user in addition.Especially exemplified by example implementation method of the present invention and system work process are described below.
The note shortcode of supposing the payment services merchant is 16838, the voice shortcode is 16828.
User A and user B register its account by the online interface of payment services system in advance, the contents are as follows:
User A:
ο phone number: 13010221999
The ο Email:Yonghua@yahoo.com.cn
ο user identity identification code: 13010221999
ο user identity identification password: 5166
The ο account balance:, 000.00 (the online interface that user A provides by the payment services system changes over to from the online account of its National Industrial and Commercial Bank of China, and 000 to its New Account.)
User B:
ο phone number: 13020551688
ο Email: yonghub@sina.com
ο user identity identification code: 13020551688
ο user identity identification password: 6275
ο account balance: $0.00
User A desires to pay user B$50, and user A can adopt one of following dual mode to pay:
Mode one:
It is as follows that user A writes note by mobile phone: " paying 1302055168850 ", and issue payment services merchant's note shortcode 16838.Annotate: the form of supposing the note payment that the payment services merchant has stipulated here is: " paying { beneficiary user identity identification code } { Payment Amount } ".
After this payment request note was received by its SMS communication interface by the payment services system, the phone number that the payment process control module therefrom extracts user A was 13010221999, and simultaneously short message content being analyzed and recognized this is a payment note.Form according to the rules therefrom extracts 50 yuan of Payment Amounts, the user identity identification code 13020551688 of user B.
Payment process control module invoke user administration module carries out the following message checking: the account that finds corresponding user A by phone number 13010221999, verify the interior remaining sum (1000 yuan) of its account greater than 50 yuan of desire payments, effective by the account of its corresponding user B of beneficiary user identity identification code 13020551688 affirmations.
The payment process control module is dialed the phone number 13010221999 of user A by speech communication/processing module.
After user A connected the phone of being made by shortcode 16828, the payment process control module was confirmed Payment Request with voice to user A by speech communication/processing module.After user A confirmed, the payment process control module was inquired its account password with voice to user A by speech communication/processing module.
User A is by its cell phone keyboard input 5166.
After the payment process control module obtained 5166 by speech communication/processing module, the invoke user administration module was proofreaded with the account password of user A 5166.
After account password was proofreaded successfully, the payment process control module was carried out with voice informing user A payment transaction at once by speech communication/processing module, and finished conversation.
The payment process control module is called the capital management module and is carried out transfer of financial resources.The capital management module by user management module with 50 yuan of accounts from user A forward to the account of user B, simultaneously finish account information correction, produce transaction number (as zf23456), and with this transaction record to the funds transaction database.Behind the transfer of financial resources, the account balance of user A is $950.00, and the account balance of user B is $50.00.
After the transfer of financial resources success, the payment process control module is called the SMS communication interface and sent following note to the phone number 13010221999 of user A: " you are successfully to account 13020551688 payment $50.00.Transaction number: zf23456.", the phone number 13020551688 to user B sends following note simultaneously: " you successfully receive the 13020551688 payment De $50.00 by the cellphone subscriber.Transaction number: zf23456.”
User A and user B can receive the corresponding note of being sent by note shortcode 16838 respectively.
Mode two:
User A is by mobile phone dialing payment services merchant's voice shortcode 16828.
Behind the closing of the circuit, speech communication/processing module is with the speech play service content.
User A selects payment services.
The payment process control module is called speech communication/processing module with voice inquiry user party A-subscriber identification code.
User A input 13010221999.
After the payment process control module obtained 13010221999 by speech communication/processing module, the invoke user administration module pair account corresponding with 13010221999 verified.
After the success, the payment process control module is called the user identity identification password of speech communication/processing module with voice inquiry user A.
User A input 5166.
After the payment process control module obtains 5166 by speech communication/processing module, the password of invoke user administration module checking user A.
After the success, the payment process control module is called the user identity identification code of speech communication/processing module with voice inquiry user A beneficiary.
User A input 13020551688.
After the payment process control module obtained 13020551688 by speech communication/processing module, the account of the user B that invoke user administration module checking and user identity identification code 13020551688 are corresponding was effective.
After the success, the payment process control module is called speech communication/processing module with voice inquiry user A Payment Amount.
User A input 50.
After the payment process control module obtained 50 by speech communication/processing module, the account balance of invoke user administration module checking user A was greater than 50.
After the success, the payment process control module is called speech communication/processing module and is carried out at once with voice informing user A payment transaction, and finishes conversation.
The payment process control module is called the capital management module and is carried out transfer of financial resources.The capital management module by user management module with 50 yuan of accounts from user A forward to the account of user B, simultaneously finish account information correction, produce transaction number (as zf23456), and with this transaction record to the funds transaction database.Behind the transfer of financial resources, the account balance of user A is $950.00, and the account balance of user B is $50.00.
After the transfer of financial resources success, the payment process control module is called the SMS communication interface and sent following note to the phone number 13010221999 of user A: " you are successfully to account 13020551688 payment $50.00.Transaction number: zf23456.", the phone number 13020551688 to user B sends following note simultaneously: " you successfully receive the 13020551688 payment De $50.00 by the cellphone subscriber.Transaction number: zf23456.”
User A and user B can receive the corresponding note of being sent by note shortcode 16838 respectively.

Claims (5)

CNA2006100569361A2006-03-072006-03-07Method and system for accomplishing person to person payment using pronunciation and short message communicationPendingCN1811807A (en)

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Cited By (7)

* Cited by examiner, † Cited by third party
Publication numberPriority datePublication dateAssigneeTitle
CN101964707A (en)*2009-07-242011-02-02黄金富Cloud computing account security method for informing user by calling automatically
CN102014107A (en)*2009-09-042011-04-13黄金富Method for carrying out safe account operation by using WAPI (Wireless LAN Authentication and Privacy Infrastructure) wireless network Internet-enabled cell phone
CN102014108A (en)*2009-09-042011-04-13黄金富Account security method and system based on telephone network another path acknowledgement
CN101232631B (en)*2007-01-232011-08-31阿里巴巴集团控股有限公司System and method for communication terminal to perform safety authentication through short messages
CN102509218A (en)*2011-09-302012-06-20重庆南天数据资讯服务有限公司System implementation method for realizing POS (point-of-sale) card swiping payment device based on mobile communication terminal
CN103116845A (en)*2011-11-172013-05-22银视通信息科技有限公司Pay processing system and corresponding transaction processing system
CN109583872A (en)*2018-11-302019-04-05阿里巴巴集团控股有限公司Method of payment and device

Cited By (7)

* Cited by examiner, † Cited by third party
Publication numberPriority datePublication dateAssigneeTitle
CN101232631B (en)*2007-01-232011-08-31阿里巴巴集团控股有限公司System and method for communication terminal to perform safety authentication through short messages
CN101964707A (en)*2009-07-242011-02-02黄金富Cloud computing account security method for informing user by calling automatically
CN102014107A (en)*2009-09-042011-04-13黄金富Method for carrying out safe account operation by using WAPI (Wireless LAN Authentication and Privacy Infrastructure) wireless network Internet-enabled cell phone
CN102014108A (en)*2009-09-042011-04-13黄金富Account security method and system based on telephone network another path acknowledgement
CN102509218A (en)*2011-09-302012-06-20重庆南天数据资讯服务有限公司System implementation method for realizing POS (point-of-sale) card swiping payment device based on mobile communication terminal
CN103116845A (en)*2011-11-172013-05-22银视通信息科技有限公司Pay processing system and corresponding transaction processing system
CN109583872A (en)*2018-11-302019-04-05阿里巴巴集团控股有限公司Method of payment and device

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