CN102938119A - Method and system for telephone booking business - Google Patents
Method and system for telephone booking business Download PDFInfo
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Abstract
The invention provides a method and a system for telephone booking business. The method includes connecting a user telephone channel to a corresponding bank system in adapting mode if receiving message that a user conducts telephone payment in the process for processing telephone booking business of the user, and enabling the bank system to guide the user to input payment information and conduct payment processing. By means of the method and the system, safety of telephone payment business flow is greatly improved.
Description
Technical field
The present invention relates to merge the phone-payment field of finance with wireless traffic, particularly a kind of method and system of the business of reserving by phone.
Background technology
Along with the development of the communication technology, the application that phone is relevant has exceeded the category of personal communication already, and phone-payment is exactly one of the most representative business wherein.For example, plane ticket booking, hotel reservation, tourism affairs all can be undertaken and finish reimbursement of expense by phone.At present, global electronic payment transaction is explosive rising tendency.Phone-payment is the wherein more innovative electronic payment mode that breaks away from the internet restriction.Phone-payment uses simple, and maintenance cost is cheap.2009 the end of the year China's phone-payment terminal reached 600,000, in next three years, the domestic call payment terminal will be expected to break through 1,000 ten thousand market scale, the number of users of covering will reach 300,000,000 people, transaction size to 2012 year will be near 2 trillion yuan high pointes.
Along with the fast development of phone-payment business, for bank, there are a lot of problems in current phone-payment operation flow, and these problems further develop thereby also limited it so that the phone-payment service surface is faced security risk.
The subject matter of current phone-payment business is as follows:
1) there is the user credit card information in trade company
When the user carried out phone-payment, at first the user informed the information such as trade company's credit card number, the term of validity, and then trade company inputs card number, amount information at the POS machine, finished payment and reservation business.
Just preserved a large amount of credit card informations in trade company's side like this, this can bring major safety risks to the whole payment transaction of bank.In case occur that credit card is usurped or customer complaint, will bring serious negative effect to the credit card brand of bank.
In addition, this operating process itself also is nonstandard, because there is above-mentioned potential safety hazard, more careful user is unwilling directly credit card information to be revealed to trade company for security consideration.Therefore this operating process itself has also restricted phone-payment service-user group's expansion.
2) payment transaction information and user's sequence information disconnect;
The previous complete operation flow of order has two key messages: credit card (or bank card etc.) payment transaction information and user's sequence information.These two information can't be carried out auto-associating by infosystem owing to lack effective support system and isolated artificially and come.Need to manually carry out association when going wrong or when quitting the subscription of business.This puts to no little inconvenience for subsequent query, reconciliation etc., when portfolio is huge, very easily make mistakes, reduced IVR (interactive voice answering, Interactive Voice Response) service level and the user satisfaction of payment transaction, and then reduced the competitive power of trade company.
Summary of the invention
The technical problem to be solved in the present invention provides a kind of professional method and system of reserving by phone, to strengthen the security of phone-payment business.
In order to solve the problems of the technologies described above, the invention provides a kind of professional method of reserving by phone, comprising:
In the process of process user phone reservations business, if receive the message that the user carries out phone-payment, then user session is transferred to corresponding banking system, input payment information by described banking system guiding user, carry out payment processes.
Further, said method also has following characteristics: described in the professional process of process user phone reservations, also comprise: the incidence relation of setting up O/No. and payment serial number.
Further, said method also has following characteristics: in the described process that user session is transferred to corresponding banking system, also comprise:
Transmit the number information of trade company and user's telephone number and payment serial number by circuit domain to described banking system.
Further, said method also has following characteristics: in the described process that user session is transferred to corresponding banking system, also comprise:
Transmit O/No. and dealing money by the IP special line to described banking system.
Further, said method also has following characteristics: described user session is transferred to after the corresponding banking system, also comprises:
If receive payment that described banking system the sends successful message of withholing, then send predetermined successful message to described user.
Further, said method also has following characteristics:
In order to address the above problem, the present invention also provides a kind of phone reservations operation system, comprising:
The intended service module is used for accepting and process user phone reservations business;
Interconnecting module, be used for the process at described intended service resume module subscriber phone intended service, if after receiving the message that the user carries out phone-payment, user session is transferred to corresponding banking system, input payment information by this banking system guiding user, carry out payment processes.
Further, said system also has following characteristics: described intended service module, also be used in the professional process of process user phone reservations, and set up the incidence relation of O/No. and payment serial number.
Further, said system also has following characteristics: also comprise,
Transmit module, be used at described interconnecting module user session being transferred to the process of corresponding banking system, transmit the number information of trade company, user's telephone number and payment serial number by circuit domain to described banking system, transmit O/No. and dealing money by the IP special line to described banking system.
Further, said system also has following characteristics:
Described intended service module also is used for sending predetermined successful message to described user after successful message is withholdd in the payment that receives described banking system transmission.
Further, said system also has following characteristics:
In order to address the above problem, the present invention also provides a kind of phone payment system, comprises above-mentioned phone reservations operation system and banking system.
To sum up, the invention provides a kind of professional method and system of reserving by phone, can strengthen greatly the security of phone-payment operation flow.
Description of drawings
Fig. 1 is the synoptic diagram of the phone reservations operation system of the embodiment of the invention;
Fig. 2 is the structural representation of the phone payment system of the embodiment of the invention;
Fig. 3 is the process flow diagram of method of a kind of phone-payment of the embodiment of the invention;
Fig. 4 is the process flow diagram that the present invention uses the phone-payment method of example one;
Fig. 5 is the process flow diagram that the present invention uses the phone-payment method of example one.
Embodiment
For making the purpose, technical solutions and advantages of the present invention clearer, hereinafter in connection with accompanying drawing embodiments of the invention are elaborated.Need to prove that in the situation of not conflicting, the embodiment among the application and the feature among the embodiment be combination in any mutually.
Fig. 1 is the synoptic diagram of the phone reservations operation system of the embodiment of the invention, and as shown in Figure 1, the system of present embodiment comprises:
The intended service module is used for accepting and process user phone reservations business;
Interconnecting module, be used for the process at described intended service resume module subscriber phone intended service, if after receiving the message that the user carries out phone-payment, user session is transferred to corresponding banking system, input payment information by this banking system guiding user, carry out payment processes.
Wherein, described intended service module also is used in the professional process of process user phone reservations, sets up the incidence relation of O/No. and payment serial number.
The system of present embodiment can also comprise:
Transmit module, transmit module, be used at described interconnecting module user session being transferred to the process of corresponding banking system, transmit the number information of trade company, user's telephone number and payment serial number by circuit domain to described banking system, transmit O/No. and dealing money by the IP special line to described banking system.
Wherein, described intended service module also is used for sending predetermined successful message to described user after successful message is withholdd in the payment that receives described banking system transmission.
Fig. 2 is the structural representation of the phone payment system of the embodiment of the invention, in whole phone-payment operation flow, has following role:
Trade company: the enterprise of booking service is provided, such as the service provider, or air ticket, hotel, travel agent trade company etc.;
User: initiate the consumer of reservation business flow process, mainly refer to the personal user;
Bank: the financial institution that the Credit Card Payments service is provided.
In the present embodiment, jointly consisted of the system of phone reservations business shown in Figure 1 by IVR system of operator and IVR system of trade company.
IVR system of operator will adopt the comprehensive video application platform system that service is provided.After IVR system of trade company is transferred to IVR system of operator, by IVR system of operator Transaction Information (O/No., payment serial number), the sequence information (trade company's numbering, the amount of money) of paying passed to banking system, carry out the related of Transaction Information and sequence information by banking system, and by the daily record of banking system register system.
In IVR system of above-mentioned operator, do not preserve credit card number, the term of validity, sequence information, but be property easy to maintenance, but the daily record of carrier side retention system.This daily record only keeps corresponding relation, the success and failure sign of O/No. and payment serial number, so that the inquiry maintenance system uses the no deal amount of money, credit card information in business system.
The matching module that collects the digits of banking system side mainly disposes as follows:
Access gateway: be responsible for receiving the IVR calling of business system call forwarding;
Service processor: service processor is system business logical process key equipment, is configured to PC server two-shipper, and a cover magnetic battle array, and the magnetic battle array is used for storage system daily record and system-critical data;
Interface server: be responsible for the interface with bank account system, with the interface of IVR system of operator, with IVR system of trade company by the IP LI(link interface), be configured to PC server two-shipper;
Managing portal server: the statistical query function is provided;
Fire wall: the matching module that collects the digits is by fire wall and the IVR of operator system interface.
Between IVR system of operator and the banking system, and the IP circuit between IVR system of operator and the IVR system of trade company can adopt long the connection.The interface server of IVR system of operator supports linear dilatation to keep a plurality of long connections online.
The interface of deducting fees sends calling number, payment cipher, payment, type of payment, merchant information to bank's background system to the bank background system, and bank's background system realizes that payment deducts fees, and returns payment result information after deducting fees successfully.
Banking system provides real-time order payment result information query interface for IVR system of trade company, accepts the O/No. information of IVR system of operator, returns payment result information.
The IVR of trade company system voice flow process partly need to be transformed, it mainly is the voice suggestion content, process whole process of exchange such as IVR system of former trade company, and the IVR system of trade company of present embodiment only provides the access function of transaction, and follow-up Transaction Details such as card number etc. are the IVR system realizations by bank.
IVR system of trade company can be provided by carrier side with the data-interface agreement of IVR system of operator, and IVR system of trade company provides accordingly inquiry, informing function and storing process is provided.
The data that trade company's side and carrier side require need to be done and encrypt and checking treatment, and this processing capacity can be provided by the connection carrier side.
Banking system is preferably special line with the data channel of IVR system of operator, internal network.IVR system of operator is public data network with the data channel of IVR system of trade company.Wherein, the data demand that transmits is encrypted to be processed and anti-tamper and counterfeit processing, the employing mode is that data are encrypted with DES (Data EncryptionStandard, data encryption standards), and the content territory is calculated MAC (multimedia Access Control) address value and carried out verification.
Banking system distributes an independent key to carry out des encryption for each trade company and MAC calculates.
The bank paying system that collects the digits is trusty with the link of bank background system inside, and banking system is carried out MD5 (Message-Digest Algorithm 5) verification to message.
Because the voice control flow of accepting bank's card number and payment cipher carries out in the payment of bank collects the digits matching module, the security of whole system greatly improves like this.
Banking system in the present embodiment is the collect the digits general designation of each bank subsystem such as system of the bank's background system, the IVR system of bank, the bank paying that relate in the present embodiment.
Fig. 3 is the process flow diagram of method of a kind of phone-payment of the embodiment of the invention, and as shown in Figure 3, the method for present embodiment comprises following step:
S10, in the professional process of process user phone reservations, if after receiving the message that the user carries out phone-payment, user session is transferred to corresponding banking system, input payment information by this banking system guiding user, carry out payment processes.
Below to introduce in detail processing procedure and the mechanism of the phone reservations operation flow that this programme proposes.
Use example one, the reservation flow process of self-built IVR system of trade company:
In the flow process based on the phone safety payment system, user's card number information only is kept in the system of bank.
In a reservation business flow process, when the IVR flow process requires payment information (card number, user name), the speech channel of user and IVR system of trade company is transferred to IVR system of bank from the IVR system of trade company, set up the speech path channel between user and the IVR system of bank, the information such as prompting user input card number, the term of validity, carry out validation verification by banking system, and finish payment process.
Fig. 4 is the process flow diagram that the present invention uses the phone-payment method of example one, as shown in Figure 4, comprises step:
S201: the user dials trade company's Number for access, initiates reservation request;
S202: trade company's seat provides service, the typing order, and be saved in system, trade company's form ordering system is set up the incidence relation of O/No. and payment serial number;
S203: trade company's IVR system prompt begins the Credit Card Payments flow process, and IVR system of trade company initiates switching to IVR system of operator.
S204: IVR system of operator carries out route switching to banking system;
Banking system can obtain according to the payment serial number etc. in the request information such as the ID of enterprise after receiving transfer-request.Banking system is determined corresponding trade company according to the payment serial number, determines trade company's relevant information according to the ID of enterprise, for example, and the IP address of IP tunnel, port numbers, data encryption key, MAC computation key;
S205: banking system, comprising: the information such as O/No., time, the amount of money, Subscriber Number etc. to the IVR of trade company system acquisition sequence information by IP tunnel;
S206: banking system automatically guiding user input payment information, for example, the information such as card number, the term of validity;
S207: after banking system receives payment information, carry out payment processes;
The module that collects the digits of banking system discharges the voice call circuit; Initiate the request of withholing to the Account Disposal system simultaneously, withhold;
S208: record transaction log after banking system is paid successfully;
The transaction log field can comprise: name of firm, trade company's code, O/No., trade date, payment serial number, dealing money;
S209: banking system sends the successful note of withholing to the user;
S210: IVR system of trade company call release, notice payment result.
In payment process, IVR system of trade company comprises called number (number of bank), calling number (number of trade company), original caller (user's telephone number) by the data that circuit domain passes to IVR system of bank, the payment serial number.When triggering the IVR of bank operation flow, can transmit simultaneously by the IP special line information such as O/No., dealing money.
During IVR system of trade company call forwarding, trade company's platform Number for access is inserted in caller, and the payment serial number is inserted in original called territory.
Use example two, the reservation flow process of operator's manual position is rented by trade company:
For the trade company that does not have the IVR system, can rent the manual position in the operator's comprehensive video application platform that designs in this programme, operator's comprehensive video application platform in this example can mark off independently territory, call center specially, for different trade companies provides different Numbers for access.
When the user dialed trade company's Number for access and subscribes, speech channel queued to trade company's seat of appointment through operator's comprehensive video application platform route, provides service by this trade company's seat, and when needing payment, IVR system of operator is transferred to IVR system of bank and pays.As shown in Figure 5, comprise following step:
S301: the user dials trade company's Number for access, initiates reservation request;
S302: the seat that trade company rents provides service, the typing order, and be saved in system, trade company's form ordering system is set up the incidence relation of O/No. and payment serial number;
S303: system prompt begins the Credit Card Payments flow process;
S304: IVR system of operator carries out route switching to banking system;
S305: banking system is obtained sequence information, comprises the amount of money etc.;
S306: banking system automatically guiding user input payment information, for example, the information such as card number, the term of validity;
S307: after banking system receives payment information, carry out payment processes;
Bank's module that collects the digits discharges the voice call circuit; Initiate the request of withholing to the bank accounting disposal system simultaneously, withhold;
S308: after paying successfully, banking system record transaction log;
S309: the bank accounting disposal system sends the successful note of withholing to the user;
S310: the bank accounting disposal system is to trade company's form ordering system notice payment result;
S311: the seat call release sends and successfully subscribes note to the user.
By the enforcement of above scheme, can strengthen greatly the security of phone-payment operation flow.
One of ordinary skill in the art will appreciate that all or part of step in the said method can come the instruction related hardware to finish by program, described program can be stored in the computer-readable recording medium, such as ROM (read-only memory), disk or CD etc.Alternatively, all or part of step of above-described embodiment also can realize with one or more integrated circuit.Correspondingly, each the module/unit in above-described embodiment can adopt the form of hardware to realize, also can adopt the form of software function module to realize.The present invention is not restricted to the combination of the hardware and software of any particular form.
Below only be the preferred embodiments of the present invention; certainly; the present invention also can have other various embodiments; in the situation that does not deviate from spirit of the present invention and essence thereof; those of ordinary skill in the art work as can make according to the present invention various corresponding changes and distortion, but these corresponding changes and distortion all should belong to the protection domain of the appended claim of the present invention.
Claims (10)
1. reserve professional method by phone for one kind, comprising:
In the process of process user phone reservations business, if receive the message that the user carries out phone-payment, then user session is transferred to corresponding banking system, input payment information by described banking system guiding user, carry out payment processes.
2. the method for claim 1 is characterized in that: described in the professional process of process user phone reservations, also comprise:
Set up the incidence relation of O/No. and payment serial number.
3. the method for claim 1 is characterized in that: in the described process that user session is transferred to corresponding banking system, also comprise:
Transmit the number information of trade company and user's telephone number and payment serial number by circuit domain to described banking system.
4. the method for claim 1 is characterized in that: in the described process that user session is transferred to corresponding banking system, also comprise:
Transmit O/No. and dealing money by the IP special line to described banking system.
5. such as each described method of claim 1-4, it is characterized in that: described user session is transferred to after the corresponding banking system, also comprises:
If receive payment that described banking system the sends successful message of withholing, then send predetermined successful message to described user.
6. reserve operation system by phone for one kind, comprising:
The intended service module is used for accepting and process user phone reservations business;
Interconnecting module, be used for the process at described intended service resume module subscriber phone intended service, if after receiving the message that the user carries out phone-payment, user session is transferred to corresponding banking system, input payment information by this banking system guiding user, carry out payment processes.
7. system as claimed in claim 6 is characterized in that,
Described intended service module also is used in the professional process of process user phone reservations, sets up the incidence relation of O/No. and payment serial number.
8. system as claimed in claim 6 is characterized in that, also comprise,
Transmit module, be used at described interconnecting module user session being transferred to the process of corresponding banking system, transmit the number information of trade company, user's telephone number and payment serial number by circuit domain to described banking system, transmit O/No. and dealing money by the IP special line to described banking system.
9. such as each described system of claim 6-8, it is characterized in that,
Described intended service module also is used for sending predetermined successful message to described user after successful message is withholdd in the payment that receives described banking system transmission.
10. a phone payment system comprises each described phone reservations operation system and banking system such as claim 6-9.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011102325288A CN102938119A (en) | 2011-08-15 | 2011-08-15 | Method and system for telephone booking business |
| PCT/CN2012/073981 WO2012155730A1 (en) | 2011-08-15 | 2012-04-13 | Method and system of telephone reservation service |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011102325288A CN102938119A (en) | 2011-08-15 | 2011-08-15 | Method and system for telephone booking business |
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| CN102938119A true CN102938119A (en) | 2013-02-20 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2011102325288A Pending CN102938119A (en) | 2011-08-15 | 2011-08-15 | Method and system for telephone booking business |
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| CN (1) | CN102938119A (en) |
| WO (1) | WO2012155730A1 (en) |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1810054A (en) * | 2003-06-24 | 2006-07-26 | Lg电信株式会社 | System for mobile interactive financial transaction using mobile communication terminal |
| CN1916951A (en) * | 2006-08-21 | 2007-02-21 | 中国民生银行股份有限公司 | Method for processing payment information |
| CN101378429A (en) * | 2008-09-01 | 2009-03-04 | 黄道祥 | Payment method for telephone shopping |
-
2011
- 2011-08-15 CN CN2011102325288A patent/CN102938119A/en active Pending
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2012
- 2012-04-13 WO PCT/CN2012/073981 patent/WO2012155730A1/en active Application Filing
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1810054A (en) * | 2003-06-24 | 2006-07-26 | Lg电信株式会社 | System for mobile interactive financial transaction using mobile communication terminal |
| CN1916951A (en) * | 2006-08-21 | 2007-02-21 | 中国民生银行股份有限公司 | Method for processing payment information |
| CN101378429A (en) * | 2008-09-01 | 2009-03-04 | 黄道祥 | Payment method for telephone shopping |
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| Publication number | Publication date |
|---|---|
| WO2012155730A1 (en) | 2012-11-22 |
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