CN103514541A - Goods/service price payment system and price payment method of the same - Google Patents
Goods/service price payment system and price payment method of the same Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
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Abstract
The present invention provides a goods/service price payment system and a price payment method of the same, especially a goods/service price payment system based on ARS authentication using various payment means and a price payment method of the same. Payment is executed when a buyer inputs a mobile phone number during purchase of goods/service, thereby minimizing user input; and an ARS calling passage is used for receiving a payment code from the buyer, so preventing possibility of embezzlement. Moreover, when the buyer inputs the registered payment code only once and the payment is processed according to a preset payment priority, various payment methods can be used for authorized payment, thereby providing user convenience.
Description
Background technology
1 invention field
The present invention relates to goods/services price payment system and price method of payment thereof, particularly use goods/services price payment system and the method for payment thereof based on ARS authentication of the various modes of payments.
2 background technologies
Recently, along with the remarkable development of computing machine and the communication technology (the Internet, information ocean), support open and unlimitedness, for average family and enterprise, become very general.Also have, originate in the electronic bookstore such as Amazoncom etc., the Internet has been used to sell commodity or even for paying.Also have, it is widely popular and be used in multiple fields that the mobile phone such as enabled handheld phones or personal digital assistant (PDA) has become.
, make in cash or credit card relates to and may be stolen or lose as the modes of payments that pays goods/services meanwhile, and specifically, use credit card to produce the essence mandate in Credit Card Payments process.Therefore, for example, the in the situation that of little the amount of money, preferably by the payment of Instant Transfer.
Yet generally speaking, the problem that the payment based on Instant Transfer has is that payment process is complicated and has the possibility of usurping relevant disburser's accounts information.Also have, in the situation that make online the payment of goods/services by credit card, disburser need to input bulk information, and this makes payment process complicated, and has the possibility of usurping.In addition, the modes of payments of buyer institute preference has a lot.
Summary of the invention
Therefore, the Yi Ge aspect of describing in detail is to provide the goods/services price payment system based on ARS authentication of using the various modes of payments, with and method of payment, when inputting Mobile Directory Number when buying goods/services, buyer can carry out payment, minimized thus user's input, and with ARS, call out passage and receive payment cipher from buyer, therefore prevent the possibility of usurping.
Another aspect of describing in detail is to provide by each modes of payments carrys out goods/services price payment system and the method for payment thereof based on ARS authentication, in the time of having inputted prescribed password when the goods/services for bought pays, carry out and pay and can allow buyer, for the various modes of payments, priority is set, therefore user's convenience is provided.
In order to realize these and other advantages; and according to the object of this instructions; as embodied herein and roughly describing; use the method for payment based on ARS authentication of the various modes of payments to comprise: by providing the buyer's who buys goods/services mobile terminal number to ask to pay, described mobile terminal number receives to payment processes server by IP device or associated terminal; By using received mobile terminal number, by this payment processes server, check whether buyer is registered; When buyer is not yet registered, according to the selected input method of buyer receive buyer's register information (comprise payment cipher and corresponding to the modes of payments register information of a plurality of modes of payments), according to received buyer's register information and modes of payments register information authenticate the validity of buyer validation of payment mode and on customer database (DB) server, store this buyer's register information and modes of payments register information to register this buyer; According to the selected input method of buyer, in a plurality of stored modes of payments, the main modes of payments is set; By payment processes server, by ARS server, to call service, provide agency that input mobile terminal number is provided; By ARS server, the mobile terminal of registering that provides agency to call out buyer by call service is carried out voice information services, and asks to input payment cipher by ARS communication port; By payment processes server, received the payment cipher of being inputted by ARS communication port by buyer, and received payment cipher and the payment cipher being stored in client DB server are compared; And when received payment cipher be stored in payment cipher in client DB server when identical, authorize the transaction of the main modes of payments by setting in advance.
In one embodiment, the selected input method of buyer can be as lower any one: the tomb by mobile terminal is in the input method of ARS, the input method of SMS-Based and by the key input method of IP device, and a plurality of modes of payments can comprise as lower one or more: the account of financial institution, debit card, cheque card (check card), credit card, some card, gift token and mobile terminal.
In one embodiment, method of payment can also comprise: automatically or the list of a plurality of modes of payments is provided according to the request from buyer; And change or reset the main modes of payments according to the selected input method of buyer.
In one embodiment, method of payment can also comprise: each the payment priority that a plurality of modes of payments are set.
In one embodiment, method of payment can also comprise: when the amount paid of goods/services is not covered by the main modes of payments completely, according to the payment priority setting in advance of other remaining modes of payments, sequentially check one by one other remaining modes of payments, thereby determine whether they can cover not enough amount paid.
In one embodiment, when according to checking the not enough whether capped result of amount paid, when the amount paid of goods/services is completely covered, authorize the transaction of the modes of payments that adopts the main modes of payments and there is the payment priority of higher (or first height).
In one embodiment, method of payment can also comprise: after authorized transactions, check whether relevant some card is set to be included in modes of payments register information, and automatically to relating dot cap product point; And by the relevant communication of plot point that completes to buyer's the mobile terminal of registering.
In one embodiment, method of payment can also comprise: after authorized transactions, using relevant information with respect to the payment of the goods/services mobile terminal of registering as SMS transmission of messages to buyer that completes.
In one embodiment, method of payment can also comprise: download or embed the payment processes program of execution above-mentioned steps to storer, this storer is connected to the selected input media of buyer; And carry out the payment processes program that is downloaded to or is embedded in storer and process the payment that is relevant to goods/services.
In order to realize these and other advantages, and according to the object of this instructions, as embodied and roughly describing, use the payment system based on ARS authentication of various means of payment to comprise: payment processes server, is configured to the Trading Authorization process that execution is relevant to the payment of goods/services herein, be configured to authentication and bought the unregistered buyer's of goods/services real name verification agency and call service agency is provided, be configured to according to carrying out ARS voice information services from the request of ARS server, customer database (DB) server, is configured to be encrypted and store these information to buyer's register information of buyer with corresponding to the modes of payments register information of a plurality of modes of payments, with one or more modes of payments agencies, be configured to the validity with respect to modes of payments register information authentication buyer and validation of payment mode register information, and provide the payment processes result with respect to the request for Trading Authorization from payment processes server, this payment processes server wherein, the request that reception pays for the processing of processing with respect to goods/services and the mobile terminal number of having bought the buyer of this goods/services, wherein said mobile terminal number receives by IP device or associated terminal, and search for received mobile terminal number in client DB server, thereby check whether buyer is registered buyer, and when this buyer not yet register out-of-date, payment processes server provides the buyer's register information receiving according to the selected input method of the buyer (name that comprises buyer to real name verification agency and modes of payments agency, buyer's mobile terminal number, and payment cipher) and modes of payments register information (comprise financial institution's account, card number, block expiration date, gift token number, and the information that whether has been set up of relevant relating dot card), ask for buyer's authentication and the checking of its validity, and provide this buyer's register information and modes of payments register information to client DB server, thereby these information are encrypted and be stored in wherein, in a plurality of modes of payments according to the selected input method of buyer in being stored in client DB server, the main modes of payments is set, the Mobile Directory Number that provides buyer to input to the ARS server that is connected to payment processes server, request ARS server provides agency to call out buyer's the mobile terminal of registering by call service, use ARS communication port to receive from buyer's payment cipher and input by voice messaging, check whether received payment cipher is same as the payment cipher being stored in client DB server, and when received payment cipher be stored in payment cipher in client DB server when identical request from the Trading Authorization of the modes of payments of the modes of payments corresponding to setting in advance.
In one embodiment, user-selected input method can be as lower any one: by the input method based on ARS of mobile terminal,, the input method of SMS-Based and by the key input method of IP device, and a plurality of modes of payments can comprise as lower one or more: the account of financial institution, debit card, cheque card, credit card, some card, gift token and mobile terminal.
In one embodiment, payment processes server can or automatically provide the list of a plurality of modes of payments according to the request from buyer, and the input method that can select according to user changes or resets the main modes of payments.
In one embodiment, payment processes server can arrange according to user-selected input method each payment priority of a plurality of modes of payments.
In one embodiment, when the amount paid of goods/services is not covered completely by the main modes of payments, thereby payment processes server can sequentially ask to check corresponding to the modes of payments agency of the modes of payments whether this modes of payments can cover not enough amount paid according to the payment priority setting in advance.
In one embodiment, when according to checking the not enough whether capped result of payment amount, when the payment amount of goods/services is completely covered, this payment processes server can ask to act on behalf of authorized transactions corresponding to the main modes of payments and the modes of payments of the modes of payments with the payment priority of higher (or first height).
In one embodiment, when modes of payments agency has completed payment processes according to the request of Trading Authorization, the information that payment processes server can complete the payment with respect to goods/services provides the mobile terminal of registering to buyer as SMS.
The further scope of the application's applicability will become more apparent in the detailed description by below providing.Yet, be to be understood that, although describe in detail with concrete example and indicated the preferred embodiment of the present invention, but only the mode as explanation provides, because variations and modifications are within the spirit and scope of the present invention apparent to one skilled in the art after reading detailed description.
Accompanying drawing summary
Be included in this, a further understanding of the present invention to be provided and to be incorporated in the present specification and to form its a part of accompanying drawing, exemplary embodiment be shown, it can be used to illustrate principle of the present invention together with instructions.
In the accompanying drawings:
Fig. 1 illustrates each diagram configuring that uses the payment system based on ARS authentication of the various modes of payments according to embodiments of the invention.
Fig. 2 is process flow diagram, illustrates according to embodiments of the invention, uses the process of the method for payment of each modes of payments based on ARS authentication in the situation that buyer is not yet registered therein.
Fig. 3 is process flow diagram, illustrates according to embodiments of the invention, uses the process of the method for payment of each modes of payments based on ARS authentication in the situation that buyer has been registered therein.
Fig. 4 is process flow diagram, illustrates according to embodiments of the invention, uses the process of the method for payment of each modes of payments based on ARS authentication in the situation that the main modes of payments that the amount paid of goods/services is not only pre-arranged therein covers.
Fig. 5 is process flow diagram, illustrates according to embodiments of the invention, uses in the method for payment based on ARS authentication of the various modes of payments, and the process of the some card being associated is set after payment completes.
Embodiment
By goods/services price payment system and the method for payment thereof based on ARS authentication described in detail according to respective drawings according to each modes of payments of use of various embodiments of the present invention.When description is of the present invention, if relevant known function or the detailed explanation of structure are considered to have passed on main points of the present invention, but such explanation will be left in the basket can be understood by those skilled in the art.Also have, in whole instructions, for like, use similar reference number.
First, will according to Fig. 1, describe according to schematic configuration and the method for payment thereof of the goods/services price payment system based on ARS authentication of each modes of payments of use of various embodiments of the present invention.This payment system comprises that terminal 100, payment processes server 200, customer database (DB) server 250, ARS server 280, real name verification agency and the call service of IP device/association provide agency 300 and act on behalf of 400 corresponding to the one or more modes of payments that pay the various modes of payments of the goods/services of buying.
Herein, IP device refers in the situation of on-line purchase goods/services therein, is required for from the equipment of buyer's mobile terminal receive number, and this comprises all electronic equipments that use the Internet.The example of such IP device can comprise to be used the IPTV of the Internet, individual PC, notebook, digital broadcast terminal, PDA, smart mobile phone, intelligent TV, comprises the interactive media equipment of satellite receiver etc., but the present invention is not limited to this.
Also have, associated terminal is the equipment of the mobile terminal number that receives buyer that is required for when off-line is bought goods/services.For example, associated terminal can comprise CAT, POS etc.
When the buyer of goods/services is the buyer of unregistered mistake, payment processes server 200 is provided buyer's register information and the modes of payments register information receiving from buyer according to the input method of buyer's selection.
Herein, the selected input method of buyer can comprise the input method of being chosen from various input methods according to facility by buyer, such as using the key-press input method of the IP device connecting via the Internet, key-press input or the pronunciation inputting method of use mobile terminal, etc.For example, information, the information that can ask by ARS import of services with wired or wireless communication network that buyer can ask by individual pc access the Internet input, can directly call service provider the input information of asking or can be according to call out the information that this service provider input are asked from the callback message of service provider's transmission.
Particularly, payment processes server 200 receives the buyer's register information being transfused to according to the selected input method of buyer, comprises unregistered buyer's name, mobile terminal number, payment cipher etc.Payment processes server 200 also receives the modes of payments register information being transfused to according to the selected input method of buyer, comprises unregistered buyer's Bank Account Number, card number, whether the expiration date of card, gift token number, the some card that is associated have been set up etc.
For example, buyer is according in the situation of ARS input method input message therein, buyer 10 can be by using voice or button to touch, according to provide agency 320 voice messaging to input buyer's register information and modes of payments register information by ARS server 280 and call service.
Payment cipher is the payment authentication number being generated by combination optional network specific digit by the buyer who registers, thereby goods/services is paid.When paying goods/services, can carry out authority to pay by payment cipher, and do not need to input the modes of payments complicated information (as, credit number, card expiration date, etc.).Payment cipher is as the relevant single complete payment authorization key of the modes of payments of the multiple registration to hereinafter described.
Particularly, payment processes server 200 by buyer's name of buyer input, mobile vehicle, resident registration number, at buyer's mobile terminal number under one's name etc., offer real name verification agency 310 and verify buyer's Real Name and confirm whether buyer under one's name this mobile terminal number.
Also have, payment processes server 200 can provide buyer's name of being inputted by buyer, credit number, expiration date etc. to corresponding modes of payments agency 400,, credit card company (card company), asks to confirm that whether this card is whether buyer's card and this card be effective.
In this situation, when inputting these information based on ARS by buyer, relate to ARS server 280 and call service agency 310.
Real name verification agency 310 and modes of payments agency 400 transfer to respectively payment processes server 200 by buyer's the result and validation verification result.
Herein, when buyer 10 is registered, card user authentication and validation can be carried out once in the first stage, or when no matter when the modes of payments changes (for example, no matter when buyer change mobile terminal number or when no matter when buyer wants to register new credit number) carry out.
When user is certified and the validity of the modes of payments is verified, payment processes server 200 provides buyer's register information and modes of payments register information to client DB server 250, and client DB server 250 is encrypted and stores received information by encryption key.In this situation, thereby can, by using for example HSM equipment to generate the cryptographic operation that encryption key is carried out client DB server 250, can be maybe that an only part for the information in client DB server 250 that is stored in can be encrypted.
The input method of freely selecting according to buyer (as, by the key-press input of IP device or by the phonetic entry of mobile terminal), in a plurality of modes of payments of payment processes server 200 in being stored in client DB server 250, the main modes of payments is set
Herein, a plurality of modes of payments can comprise financial institution's account, debit card (or bank card), cheque card, credit card, some card, gift token, mobile terminal etc.
Also have, the main modes of payments refers to the modes of payments that is applied in the goods/services that buyer 10 that top priority pays registration buys.That is to say, payment processes server 200 can be set to automatically in a plurality of modes of payments, select the desired modes of payments of user to pay goods/services.
For example, when buyer 10 arranges Instant Transfer as the main modes of payments in a plurality of modes of payments, payment processes server 200 can automatically perform payment according to the method for payment by Instant Transfer.
The mobile terminal number that payment processes server 200 receives the buyer from registration offers ARS server 280, and this ARS server is provided the mobile terminal of the registration of acting on behalf of 320 calling buyers and provided voice information services by ARS communication port by call service.After this, payment processes server 200 receives payment cipher, and this payment cipher is that ARS server 280 provides agency 320 from buyer, to receive by call service.
Namely, by ARS server 280 and call service, provide agency 320 to carry out calling mobile terminal and request input payment cipher, and by client DB server 250 and payment processes server 200, carry out the actual authentication of the payment cipher receiving from buyer.
When according to the result of search client DB server 250, when received payment cipher is consistent with stored payment cipher, the Trading Authorization that payment processes server 200 is asked corresponding to the main modes of payments setting in advance from modes of payments agency 400.
Simultaneously, when received payment cipher and the payment cipher of registering are inconsistent, payment processes server 200 can non-payment goods/services or again buyer's mobile terminal number is provided to ARS server 280 and provide agency 320 to provide voice information services again to input payment cipher with request by call service.
And, the method that payment processes server 200 can freely be selected according to buyer provides mobile terminal from a plurality of modes of payments lists to buyer or IP device, and the input method that can freely select according to buyer (for example,, according to ARS pronunciation inputting method or by the key-press input method of IP device) changes and/or resets the main modes of payments setting in advance.
And, the method that payment processes server 200 can freely be selected according to buyer provides mobile terminal from a plurality of modes of payments lists to buyer or IP device, and the input method that can freely select according to buyer (for example,, according to ARS pronunciation inputting method or by the keyboard and input method of IP device) arranges each payment priority of a plurality of modes of payments.
And according to the request from buyer or automatically, payment processes server 200 can ask in advance, with respect to each in a plurality of modes of payments, payment priority to be set.In this situation, similarly, the input method that can freely select according to buyer is carried out the input that pays priority.
Herein, as mentioned above, the selected input method of buyer can comprise the input method of being selected from various input methods according to his/her convenience by buyer, such as using the IP device connecting via the Internet according to key-press input or pronunciation inputting method such as key-press input method, use mobile terminal, etc.For example, information, the information that can ask by ARS import of services with wired or wireless communication network that buyer can ask by individual pc access the Internet input, the information that can directly call service provider and sail asked information into or can come call service provider input to ask with respect to the callback message sending from service provider.
For example, when buyer want according to by mobile terminal the input method based on ARS input while paying priority, payment processes server 200 provides buyer's mobile terminal number to ARS server 280 and ARS server 280 and provides agency's 320 mobile terminals to buyer to provide request input to pay the voice information services of priority by call service.
Then, buyer touches to input each payment priority of a plurality of modes of payments by voice or button according to voice information services.When providing agency's 320 payment priority that received from buyer by ARS280 to be provided to payment processes server 200 by call service, payment priority in the modes of payments register information that 200 request client DB server 250 reflections of payment processes server are stored, arranges by this or change pays priority.
And for example, when buyer wants key-press input method by IP device when paying the input method of priority, payment processes server 200 can provide user interface, allows to pay priority to the display unit (not shown) input of IP device.When buyer inputs each payment priority of a plurality of modes of payments by being connected to the input media of IP device, payment processes server 200 provides same information to client DB server 250, and client DB server 250 arranges by the payment priority in each of the modes of payments register information stored of reflection or changes payment priority.
Simultaneously, the variation of input method is intended to improve user's convenience, even so when payment processes server 200 passes through the display unit (not shown) request setting of IP device or changes payment priority, buyer can provide the ARS pronunciation inputting method of agency 320 and the voice information services of ARS server 280 to input payment priority according to service by mobile terminal, thereby thereby prevents that third party from usurping or strengthening user's convenience.
In addition, buyer can directly call payment processes server 200 and ask to change the setting that pays priority.Then, payment processes server 200 can provide agency 320 to ask ARS server 180 to input payment priority according to the input method based on ARS by call service.In this situation, by voice information services, buyer can be provided the list of a plurality of modes of payments.
Payment processes server 200 will be compared with the payment cipher being stored in client DB server 250 by the received payment cipher of ARS passage.When two payment ciphers are identical, payment processes server 200 request is corresponding to the Trading Authorization from modes of payments agency 400 of the main modes of payments setting in advance or the modes of payments with the highest payment priority.
When confirming that the main modes of payments that the amount paid of goods/services is pre-arranged covers completely, 200 requests of payment processes server act on behalf of 400 corresponding to the modes of payments of the main modes of payments.
Meanwhile, when confirming that the main modes of payments setting in advance is not enough to the amount paid of complete covering goods/service, payment processes server 200 sequentially checks other modes of payments according to the payment priority setting in advance.According to check result, when the amount paid of goods/services can be covered with at least one modes of payments with high payment priority completely by the main modes of payments, 200 requests of payment processes server adopt the main modes of payments and the Trading Authorization with the modes of payments of high payment priority.
And when modes of payments agency 400 has completed payment according to transaction authorization request, the information that payment processes server 200 completes the payment with respect to goods/services provides the mobile terminal of registering to buyer as SMS.
Simultaneously, real name verification agency 310 provides agency for authenticating the nonregistered buyer's who buys goods/services intermediary service, and call service agency 320 is provided is for providing agency according to the intermediary service of carrying out ARS voice information services from the request of ARS server 280.And, the also execution of the voice information services of request based on ARS of mobile terminal number that ARS server 280 provides agency 320 that buyer is provided to call service, can be connected to explicitly by wireless or wireline communication network and payment processes server 200 buyer's mobile terminal, and provide by call service agency is provided 320 information that receive to payment processes server 200.
Herein, buyer's register information comprises buyer's personal information, such as buyer's name, resident registration number, current dwelling, Email and/or homepage address etc., and the payment cipher paying for goods/services.
By buyer, by combination optional network specific digit, generate payment cipher.Payment cipher can be configured to the digital array of four to six bit digital.When generating payment cipher, preferably, get rid of continuous number, simple digital array, relate to the numeral of buyer's personal information.In this situation, in order to ensure safety and reliable, preferably, ARS server 280 provides agency 320 call out buyer's mobile terminal and use ARS wireless speech passage that voice information services is provided by call service, thereby inputs payment cipher according to voice information services.
A plurality of modes of payments comprise all modes of payments that the goods/services that can be used to that online or off-line is bought pays.Namely, a plurality of modes of payments comprise, for example, financial institution's account, debit card, cheque card, credit card, mobile terminal, gift token, reward voucher, use the modes of payments of any other social payment services etc.
Also have, modes of payments register information refers to that buyer uses the desired information of respective pay mode, similarly is account, card number, card expiration date, Mobile Directory Number, gift token number, the reward voucher number etc. of buyer financial institution under one's name.
In order to manage safely and store this buyer's register information and modes of payments register information, client DB server 250 can automatically move installed encipheror and carry out enciphered message when this information of storage, or by using HSM equipment for example to encrypt or decipher all or part of of institute's canned data.
The modes of payments is acted on behalf of 400 and is comprised, for example, and bank, securities broker company, ,Dian payment processes company of credit card company, gift token payment processes company etc.According to the request from payment processes server 200, modes of payments agency 400 carries out user with respect to modes of payments register information and authenticates and verify.Also has modes of payments agency 400 request and the payment result that provide about the Trading Authorization with respect to from payment processes server 200, the whether capped information of whole summations of amount paid.
Fig. 2 is process flow diagram, illustrates according to embodiments of the invention, and buyer is not yet registered to the process of using the method for payment of the various modes of payments based on ARS authentication in the situation of payment processes server 200 therein.
First, by IP device/associated terminal 100, payment processes server 200 receives the Mobile Directory Number of inputting for processing the request of payment and the buyer of goods/services.
By using the mobile terminal number of buyer's input, payment processes server 200 checks whether disburser is registered.Particularly, payment processes server 200 provides inputted buyer's mobile terminal number to client DB server 250.Once receive mobile terminal number, client DB server 250 is by being stored in information wherein with this mobile terminal number search to check whether this buyer is the buyer who has registered, and provides corresponding information to payment processes server 200.
When checking out that buyer does not also register, payment processes server 200 receives buyer's register information, comprise payment cipher and with according to modes of payments register information corresponding to a plurality of modes of payments of the input method of being selected according to his/her convenience by buyer, authentication buyer and with respect to the validity of buyer's register information and modes of payments register information validation of payment mode, and buyer's register information and modes of payments register information are stored in server,, client DB server 250, registers this buyer thus.In this situation, in order to strengthen peace individual character, preferably, according to using the input method of the wireless speech passage based on ARS to input payment cipher.
When buyer wants to carry out input message according to the input method based on ARS, payment processes server 200 provides buyer's mobile terminal number to ARS server 280, thereby ARS server 280 can provide agency 320 to call out buyer's mobile terminal and transmit SMS message by call service, allow buyer to carry out telegram in reply.Then, ARS server 280 provides agency 320 call out buyer's mobile terminal and ask to input buyer's register information and modes of payments register information according to voice information services by call service.
When buyer inputs buyer's register information and modes of payments register information according to ARS voice information services, payment processes server 200 request real name verifications agency 310 and/or corresponding to the modes of payments agency 400 of this modes of payments register information (as, in input credit number and the situation Xia， credit card company of expiration date, be modes of payments agency) carry out buyer and authenticate and verify.
When acting on behalf of 400 from real name verification agency 310 and the corresponding modes of payments while receiving the indication buyer information that the checking certified and modes of payments has been verified, payment processes server 200 is by buyer's register information and modes of payments register information is passed to client DB server 250 and client DB server 250 is encrypted received buyer's register information and modes of payments register information storage.
After this, payment processes server 200, according to user request or automatically, in a plurality of modes of payments of request in being stored in client DB server 250, the main modes of payments is set, and buyer according to desired input method (as, by the input method based on ARS of mobile terminal) input the main modes of payments.Then, the payment processes server 200 request client DB server 250 reflections main modes of payments wherein, arranges the main modes of payments thus.
Meanwhile, payment processes server 200 can automatically ask to arrange each payment priority of a plurality of modes of payments, although and requested each with respect to a plurality of modes of payments of user payment priority is set, user can arrange an only main modes of payments.
And payment processes server 200, can, according to user's request or according to the input method of user's expectation, change, delete or increase the payment priority setting in advance.In this situation, payment processes server 200 can be according to the voice information services from ARS server 280, to buyer's mobile terminal or the display unit (not shown) of IP device or to mobile terminal, provides the list of a plurality of modes of payments.
When the payment priority of the modes of payments is set up, payment processes server 200 provides the mobile terminal number of being inputted by buyer to ARS server 280.
Then, ARS server 280 is provided on the mobile terminal of acting on behalf of 320 registrations buyer and is carried out voice information services by call service, and request is by ARS communication port input payment cipher.Then, buyer inputs payment cipher by the phonetic entry based on ARS or key-press input.
In this way, owing to only carrying out by wireless voice call passage the payment cipher that authentication pays, easy-to-use, and can prevent from usurping possibility.
That is to say, once buyer is registered to the client DB server 250 that is connected to payment processes server 200, no matter select what modes of payments to pay bought goods/services, can only by inputting complete single payment cipher, carry out payment.Therefore, can provide user's convenience, and because the wireless voice call passage by based on ARS is inputted payment cipher, prevent the possibility of usurping.Specifically, when on-line purchase goods/services, according to carrying out buyer's payment request with 2 passage methods of the Internet passage and audio call passage and paying the processing of asking, provide the security more strengthening.
According to check result, when the payment cipher receiving from buyer is identical with registered payment cipher, the corresponding modes of payments agency 400 of payment processes server 200 request ratifies the payment of the main modes of payments in client DB server 250.
Fig. 3 is process flow diagram, illustrate according to embodiments of the invention, the in the situation that buyer being registered to payment processes server 200 and being provided with the main modes of payments in a plurality of modes of payments therein, use the process of the method for payment of each modes of payments based on ARS authentication.
The in the situation that buyer being registered and being provided with the main modes of payments in a plurality of modes of payments therein, the payment cipher that inspection receives from buyer and be stored in the main modes of payments in client DB server 250, and act on behalf of 400 requests transaction mandates from the corresponding modes of payments.
Then, corresponding modes of payments agency 400 informs that payment processes server 200 is about the result of limit inspection and Trading Authorization, and when payment can be covered completely by the main modes of payments, the information that payment processes server 200 completes the relevant payment that comes from corresponding modes of payments agency 400, as, as SMS, provide to the mobile terminal of buyer's registration.
Other processes are with the same referring to above-mentioned those of Fig. 2, so will the descriptions thereof are omitted.
Fig. 4 is process flow diagram, illustrates according to embodiments of the invention, uses the process of the method for payment of each modes of payments based on ARS authentication in the situation that the main modes of payments that the amount paid of goods/services is not only pre-arranged therein covers completely.
First, each payment priority (540) of a plurality of modes of payments is set.A plurality of modes of payments comprise account, cheque card, debit card, credit card, some card, gift token, mobile terminal of financial institution etc., and can input payment priority according to the method for freely selecting according to buyer's convenience as mentioned above.
Payment processes server attempts carrying out the Trading Authorization (S41) with respect to goods/services by the main modes of payments (or modes of payments of the first priority) setting in advance.That is to say, the check of payment processes server request is carried out Trading Authorization from limit the trial of the modes of payments corresponding to the main modes of payments.
Check whether amount paid is only covered (S42) by the main modes of payments completely.When according to check result, while only just being covered completely by the main modes of payments with respect to the amount paid of bought goods/services, request is only by the Trading Authorization (S43) of the main modes of payments.
, with respect to the amount paid of bought goods/services, can not be covered by the main modes of payments setting in advance, request checks whether remaining amount paid can be covered by the modes of payments of the second priority (S44) completely meanwhile.When even remaining sum can not be covered by the modes of payments of the second priority, request checks whether this remaining sum can be covered by the modes of payments of the 3rd priority (S45) completely.
In this way, when the amount paid of the goods/services with respect to bought only can not be covered completely by the main modes of payments setting in advance, according to the payment priority setting in advance, sequentially ask to check the limit of the modes of payments, attempted the Trading Authorization with respect to this remaining sum.After this, corresponding to the respective pay mode of the main modes of payments and a plurality of modes of payments, act on behalf of requested this transaction (S46) of authorizing.
In this situation, if be provided with main mode of doing business and cover with respect to the main mode of doing business that the amount paid of bought obtaining/serve can not be set in advance by this, the list that transaction processing server automatically provides a plurality of modes of payments to buyer's mobile terminal or IP device is asked to reselect, arranges or is changed and pays priority.
Fig. 5 is process flow diagram, illustrates according to embodiments of the invention, after completing Trading Authorization referring to Fig. 4 as mentioned above, in the situation that there is the some card being associated of registration, the process of automatic plot point.
By the main modes of payments or a plurality of modes of payments, complete Trading Authorization (S50) afterwards, in the modes of payments register information of payment processes server inspection in being stored in client DB server, whether be provided with the some card being associated.According to check result, when there is the some card being associated of registration, automatic plot point (S52) in the some card being associated at this.
Meanwhile, when the some card being associated is not registered, on the display unit (not shown) of mobile terminal or IP device, whether notice is to the some cap product point (S55) being associated.Alternatively, can notify whether to the some cap product point being associated by the voice service of ARS server.Buyer can be directly according to the input method of expectation (as, according to the input method of the input block of IP device or by the input method based on ARS of mobile terminal) card number (S56) of directly inputting the some card being associated maybe can ignore this prompting.
When completing the plot point of the some card being associated, payment processes server is sent to buyer's mobile terminal (S53) using the information of indicating plot point to complete as for example SMS.
Payment processes server is also sent to buyer's mobile terminal (S54) individually or together using the information that completed of payment of indication goods/services as for example SMS.
Meanwhile, in the situation that needn't change buyer's mobile terminal setting, needn't increase optional equipment, maybe needn't install or download, the processing paying according to an embodiment of the invention can be carried out in existing mobile terminal or IP device.Yet, the present invention must not be restricted to this, and in another embodiment, the payment processes program of carrying out above-mentioned steps can be downloaded to or be arranged on be connected to the input media that is selected in by buyer (as, IP device or mobile terminal) storer in, and the payment program of downloading or installing can be performed to realize the method for the treatment of being relevant to the payment of goods/services.
As mentioned above, therein according in the situation of the goods/services price payment system based on ARS authentication of each modes of payments of use of various embodiments of the present invention and method of payment thereof, when buying goods/services, when buyer inputs the mobile terminal number that he or she holds simply, can process payment, minimize user's input.In addition,, by using ARS communication port to receive the mode of payment cipher from buyer, can prevent from usurping possibility.
Also have, therein according in the situation of the goods/services price payment system based on ARS authentication of the various modes of payments of use of various embodiments of the present invention and method of payment thereof, during the payment cipher of registering when buyer input one time, carry out simply payment authentication and process payment according to the payment priority of each modes of payments, user's convenience is provided.
In addition, therein according in the situation of the goods/services price payment system based on ARS authentication of each modes of payments of use of various embodiments of the present invention and method of payment thereof, owing to using binary channels authentication method when paying the payment cipher of goods/services in authentication, the security of enhancing can be provided, and regardless of the used type of buyer's mobile terminal or the type of communication network, all can apply the present invention.Also have, owing to not needing to pay for processing to existing mobile terminal installation optional equipment or function, can provide user's convenience.
Aforementioned embodiments and advantage are only for exemplary and should not think for the restriction to present disclosure.This teaching can easily be applied to the device of other type.This description is intended to explanation, and does not limit the scope of claim.Many selections, modifications and variations for those skilled in that art by obviously.The feature of exemplary embodiment described here, structure, method and other characteristics can combine to obtain in addition and/or the exemplary embodiment of replacing according to various ways.
Owing to can some forms embodying these features under the situation not deviating from characteristic of the present invention, so be to be understood that, except as otherwise noted, above-described embodiment is not limited by any details described above, on the contrary, should in the scope that claims limit, to it, broadly consider, therefore fall into the scope of these claims or the institute in equivalency range and change and revise by claims and contain.
Claims (16)
1. the method for payment based on ARS authentication of using the various modes of payments, described method comprises:
By providing the buyer's who buys goods/services mobile terminal number to ask to pay, described mobile terminal number receives to payment processes server by IP device or associated terminal; By using received mobile terminal number, by described payment processes server, check whether described buyer is registered;
When described buyer is not yet registered, according to the selected input method of described buyer, receives and comprise buyer's register information of payment cipher and corresponding to the modes of payments register information of a plurality of modes of payments, authenticate the validity of described buyer validation of payment mode and store described buyer's register information and described modes of payments register information is registered described buyer in customer database (DB) server according to received buyer's register information and described modes of payments register information;
According to the selected input method of described buyer, in a plurality of stored modes of payments, the main modes of payments is set;
By described payment processes server, by ARS server, to call service, provide agency that inputted described mobile terminal number is provided;
The mobile terminal of registering that provides agency to call out described buyer by described call service by described ARS server is carried out voice information services, and asks to input payment cipher by ARS communication port;
By described payment processes server, received the payment cipher of being inputted by described ARS communication port by described buyer, and received payment cipher and the payment cipher being stored in described client DB server are compared; With
When received payment cipher be stored in described payment cipher in described client DB server when identical, authorize the transaction of the main modes of payments by setting in advance.
2. method of payment as claimed in claim 1, it is characterized in that, the described input method of being selected by described buyer is as lower any one: by the input method based on ARS of mobile terminal, the input method of SMS-Based and by the key-press input method of IP device, and
Described a plurality of modes of payments comprises as lower one or more: the account of financial institution, debit card, cheque card, some card, gift token and mobile terminal.
3. method of payment as claimed in claim 1 or 2, is characterized in that, also comprises:
Automatically or according to the request from described buyer, to described IP device or described mobile terminal, provide the list of a plurality of modes of payments; With
According to the selected input method of described buyer, change or reset the described main modes of payments.
4. method of payment as claimed in claim 1, is characterized in that, also comprises:
Each payment priority of described a plurality of modes of payments is set.
5. method of payment as claimed in claim 4, is characterized in that, also comprises:
When the amount paid of described goods/services is not covered by the described main modes of payments completely, thereby sequentially check one by one that according to the described payment priority setting in advance other remaining modes of payments determine whether they can cover not enough amount paid.
6. method of payment as claimed in claim 5, it is characterized in that, when according to checking the not enough whether capped result of amount paid, when the described amount paid of described goods/services is completely covered, authorize the transaction that adopts the described main modes of payments and there is the modes of payments of higher payment priority.
7. method of payment as claimed in claim 1, is characterized in that, also comprises:
After authorizing described transaction,
Check whether relevant some card is set to be included in modes of payments register information, and automatically to relating dot cap product point; With
The mobile terminal of registering by the relevant communication that completes plot point to described buyer.
8. method of payment as claimed in claim 1 or 2, is characterized in that, also comprises:
After authorizing described transaction,
Using relevant information with respect to the payment of the described goods/services mobile terminal of registering as SMS transmission of messages to described buyer that completes.
9. method of payment as claimed in claim 1 or 2, is characterized in that, also comprises:
The payment processes program of downloading or embedding the described step that executes claims 1 is to storer, and described storer is connected to the selected input media of described buyer; With
The described payment processes program that execution is downloaded to or is embedded in described storer is processed the payment that is relevant to described goods/services.
10. the payment system based on ARS authentication of using the various modes of payments, described system comprises:
Payment processes server, is configured to the Trading Authorization process that execution is relevant to the payment of goods/services;
Real name verification agency, is configured to the unregistered buyer that goods/services has been bought in authentication, and call service provides agency, is configured to according to carrying out ARS voice information services from the request of ARS server;
Customer database (DB) server, is configured to be encrypted and store these information to buyer's register information of described buyer with corresponding to the modes of payments register information of a plurality of modes of payments; With
One or more modes of payments agencies, be configured to authenticate described buyer and verify the validity of described modes of payments register information with respect to described modes of payments register information, and provide the payment processes result with respect to the request of the Trading Authorization to from described payment processes server
Wherein said payment processes server
Reception & disposal is with respect to the request of the payment of described goods/services, and the described buyer's who has obtained/served described in having bought mobile terminal number, and described mobile terminal number receives by IP device or associated terminal, and
In described client DB server, search for received mobile terminal number, check whether described buyer is the buyer who has registered, and
When described buyer not yet registers,
Described payment processes server provides to described real name verification agency and the described modes of payments agency buyer's register information and the modes of payments register information receiving according to the selected input method of described buyer, described buyer's register information comprises described buyer's name, described buyer's mobile terminal number, and payment cipher, described modes of payments register information comprises financial institution's account, card number, block expiration date, gift token number, the information whether being set up with relevant relating dot card, ask the checking for described buyer's authentication and described buyer's validity, and provide described buyer's register information and described modes of payments register information to described client DB server, thereby these information are encrypted and be stored in wherein,
In a plurality of the stored modes of payments according to the selected input method of described buyer in being stored in described client DB server, the main modes of payments is set,
The described Mobile Directory Number of described buyer's input is offered to the described ARS server that is connected to described payment processes server,
The mobile terminal of registering of asking described ARS server to provide agency to call out described buyer by described call service, is used ARS communication port from described buyer, to receive payment cipher input by voice information services,
Check that whether received payment cipher is identical with the payment cipher being stored in described client DB server, and when received payment cipher be stored in payment cipher in described DB server when identical, request is from the Trading Authorization of the modes of payments corresponding to the described main modes of payments setting in advance.
11. payment systems as claimed in claim 10, it is characterized in that, described user-selected input method is as lower any one: by the input method based on ARS of mobile terminal,, the input method of SMS-Based and by the key-press input method of IP device, and described a plurality of modes of payments comprises as lower one or more: the account of financial institution, debit card, cheque card, credit card, some card, gift token and mobile terminal.
12. payment systems as described in claim 10 or 11, it is characterized in that, according to the request from described buyer or automatically, described payment processes server provides the list of described a plurality of modes of payments to described IP device or described mobile terminal, and changes or reset the described main modes of payments according to described user-selected input method.
13. payment systems as described in claim 10 or 11, is characterized in that, according to described user-selected input method, and the payment priority of each described in described payment processes Servers installed in a plurality of modes of payments.
14. payment systems as claimed in claim 13, it is characterized in that, when the amount paid of described goods/services is not covered completely by the described main modes of payments, thereby the payment priority setting in advance described in described payment processes server basis sequentially asks to check corresponding to the modes of payments agency of the described modes of payments whether the described modes of payments can cover not enough amount paid.
15. payment systems as claimed in claim 14, it is characterized in that, when according to the whether capped result of amount paid that checks described deficiency, when the amount paid of described goods/services is completely covered, described payment processes server request acts on behalf of to authorize described transaction corresponding to the described main modes of payments and the modes of payments with the modes of payments of higher payments priority.
16. payment systems as claimed in claim 10, it is characterized in that, when described modes of payments agency has completed described payment processes according to the request of described Trading Authorization, the information that described payment processes server completes the payment with respect to described goods/services provides the mobile terminal of registering to described buyer as SMS.
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| JP (1) | JP5779615B2 (en) |
| KR (1) | KR101327292B1 (en) |
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| JP5779615B2 (en) | 2015-09-16 |
| JP2014002741A (en) | 2014-01-09 |
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Application publication date: 20140115 |