CN104732377A - Voice switch-over payment method and system - Google Patents

Abstract

The invention provides a voice switch-over payment method and system. The method comprises the steps of receiving voice access of a call number, obtaining selected information according to content information of the voice access, forwarding the selected information to a third-party platform, receiving payment information confirming results and long numbers fed back by the third-party platform, transferring the voice access of the call number to a voice standard payment platform to complete payment according to the long numbers. Compared with the prior art, a voice switch-over payment mode is created, and the using threshold of electronic commerce is lowered.

Description

A voice transfer payment method and system

technical field

The invention relates to the technical fields of mobile communication and e-commerce, in particular to a voice transfer payment method and system.

Background technique

With the upgrading of the data network of telecom operators, the Internet business has developed vigorously, especially the Internet e-commerce business has achieved unprecedented prosperity. B2B and B2C e-commerce websites represented by Taobao.com and Jingdong Mall have gradually occupied the traditional sales industry market. Shopping in Internet malls has become an unchangeable part of people's life nowadays.

Traditional Internet shopping generally uses bank card online banking to complete order payment. Specific steps include:

Users purchase products on the mall website and generate product orders;

After confirming the order information, order amount and other information, make payment;

When paying, the user selects the payment bank on the payment page;

After selecting and confirming the payment, jump to the bank online banking payment page through the page jump method, fill in the bank card number and bank card secret information, and submit the bank deduction;

After the deduction is successful, the payment page will jump back to the mall page, prompting the user for the payment result of the order.

Specifically, in the process of realizing the present invention, the inventors have found that the existing solutions have the following disadvantages:

With the rise of the third-party payment industry in recent years, the online banking gateway payment mode has evolved into third-party accounts, online banking interconnection and other modes, but these payment modes are all based on mobile data communication services, based on computer terminals, mobile phone terminals, etc. The completion of the online form has certain limitations on the range of user groups. When users cannot access the Internet through computer terminals or mobile terminals, they cannot complete e-commerce shopping needs, which affects user experience.

Contents of the invention

The purpose of the present invention is to overcome the shortcomings and deficiencies of the prior art, and provide a method and system for voice transfer payment.

A voice transfer payment method, the method comprising:

Receive the voice access of the calling number, and obtain the selected information according to the content information of the voice access;

Forward said selected information to third-party platforms;

Receive payment information confirmation results and long numbers fed back by third-party platforms;

According to the long number, the voice access call of the calling number is transferred to the voice standard payment platform to complete the payment.

The method also includes:

The third-party platform submits the selected information to the payment and settlement platform;

The payment clearing and settlement platform generates payment information according to the selected information, and submits it to the voice standard payment platform;

The voice standard payment platform generates the payment information confirmation result according to the payment information, and sends the payment information confirmation result and the long number to the payment settlement platform;

The payment clearing and settlement platform sends the confirmation result of the payment information and the long number to the third-party platform.

The method also includes:

The voice access call of the calling number is forwarded to the voice standard payment platform, and the voice standard payment platform performs voice payment according to the confirmation result of the payment information;

The voice standard payment platform notifies at least one of the user, the payment settlement platform or the third-party platform of the payment result.

The method also includes:

Before transferring the voice access call of the calling number to the voice standard payment platform to complete the payment according to the long number, confirm the payment information confirmation result with the user.

The method also includes:

The payment information confirmation result is associated with the payment information, including the payment order number, or including the payment order number and the merchant number.

A call center, including a call access unit, a selection unit and a transfer unit, wherein,

The call access unit is used to receive the voice access of the calling number and establish a voice connection with the user;

The selection unit is configured to obtain selection information according to the content information of the voice access;

The switching unit is used to forward the selected information to the third-party platform; receive the payment information confirmation result and the long number fed back by the third-party platform; transfer the voice access call of the calling number to the voice standard according to the long number Payment platform.

The switching unit is also used to confirm the payment information confirmation result with the user before transferring the voice access call of the calling number to the voice standard payment platform according to the long number to complete the payment.

A voice standard payment platform, including an acceptance unit, a voice payment unit and a payment result storage unit, wherein,

The accepting unit is used to accept payment information, and generate payment information confirmation results and send them back to the call center step by step; send the payment information confirmation results and corresponding long numbers to the payment clearing and settlement platform, and complete the transfer step by step;

The voice payment unit is used to establish voice access and perform a voice payment confirmation process;

The payment result saving unit is used for saving the payment result after the voice payment operation is completed, and giving feedback step by step.

A voice transfer payment system, the system includes a call center, a third-party platform and a voice standard payment platform, wherein,

The call center is used to receive the voice access of the calling number, and obtain selected information according to the content information of the voice access; forward the selected information to a third-party platform; receive confirmation of payment information fed back by the third-party platform Result and long number; according to the long number, the voice access call of the call number is transferred to the voice standard payment platform;

The third-party platform is used to generate payment information confirmation results and long numbers according to the selected information; and feed back to the call center;

The voice standard payment platform is used to receive voice call forwarding from the call center and complete payment.

The system also includes a payment clearing and settlement platform for generating payment information according to the selected information and submitting it to the voice standard payment platform; sending the payment information confirmation result and the long number to a third-party platform;

The voice standard payment platform generates a payment information confirmation result according to the payment information, and sends the payment information confirmation result and the long number to the payment clearing and settlement platform.

The present invention constructs a voice standard payment platform, receives user voice access through the call center and completes the order, orders are confirmed and shipped through a third-party platform, specific order management is performed through the payment clearing and settlement platform, and completed through the voice standard payment platform Payment confirmation with user. Use the user's telephone voice to realize the whole e-commerce process of online commodity purchase, order confirmation and voice payment on the third-party platform, complete the information synchronization of commodity orders and payment orders through the user's order confirmation and payment, and realize voice IVR (Interactive Voice Response, interactive Voice response) information validation, information security and payment logic during payment. Created a voice transfer payment model, lowering the threshold for e-commerce use.

Description of drawings

Fig. 1 is a flow chart of the principle of the voice transfer payment method provided by Embodiment 1 of the present invention;

Fig. 2 is a flow chart of the principle of the voice transfer payment method provided by Embodiment 2 of the present invention;

FIG. 3 is a schematic diagram of a voice transfer payment process provided by Embodiment 3 of the present invention;

FIG. 4 is a schematic diagram of a voice transfer payment process provided by Embodiment 4 of the present invention;

FIG. 5 is a schematic structural diagram of a voice transfer payment system provided by Embodiment 5 of the present invention;

FIG. 6 is a schematic structural diagram of a call center 100 provided by Embodiment 6 of the present invention;

FIG. 7 is a schematic structural diagram of a voice standard payment platform 400 provided by Embodiment 7 of the present invention.

Detailed ways

Specific embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings. However, the embodiments of the present invention are not limited thereto.

As a traditional means of user-oriented services, voice service has the advantages of friendly interface, low user access threshold, and convenient use. It can cover a wider range of users. With the help of the characteristics of telephone voice service, combined with customer service personnel purchasing goods for customers on behalf of customers and IVR automatic payment process, creating a voice transfer payment mode is the problem to be solved by various embodiments of the present invention. As a new payment method, voice payment can become an extension of online banking payment channels and mobile banking payment channels. Using the characteristics of voice services, compared with traditional WEB online banking payment and mobile banking payment, it has a lower user threshold and real-time Strong interactivity, flexible operation and other advantages.

The principle of each embodiment of the present invention is: through the customer acceptance platform of the call center shopping mall to complete the order page and the voice payment page to complete the purchase of goods, the third-party platform performs background order management, and the payment clearing and settlement platform generates a payment order and places an order To the third-party standard voice standard payment platform, the voice standard payment platform generates a bank card order ID (Identity, identifier), and finally sends it back to the call center, and transfers the IVR call to the voice standard payment platform to complete the IVR voice payment by means of the call center IVR, realizing It enables users to complete the whole process of product ordering and payment through voice.

As shown in Figure 1, it is a flow chart of the principle of the voice transfer payment method provided by Embodiment 1 of the present invention, specifically as follows:

Step 11, receiving the voice access of the calling number, and obtaining the selected information according to the content information of the voice access;

Step 12, forwarding the selected information to a third-party platform;

Step 13, receiving the payment information confirmation result and the long number fed back by the third-party platform;

Step 14, according to the long number, transfer the voice access call of the calling number to the voice standard payment platform to complete the payment.

As shown in Figure 2, it is a flow chart of the principle of the voice transfer payment method provided by Embodiment 2 of the present invention, specifically as follows:

Step 21, the user dials the service call number to access the call center, and places an order with the third-party platform through the call center.

The call center here is different from the existing call center settings. In the existing call center customer service system, functional pages such as product ordering, product query, and voice payment are added. Users dial customer service numbers to trigger third-party platforms to generate For business orders, the order information includes the user's mobile phone number and customer service account number. When the user confirms the order payment transfer, it will be transferred to the voice standard payment platform.

That is to say, the call center actually provides an e-commerce service call number, and the user can access the call center by dialing this number. The call center has human customer service personnel (or automatic customer service) to answer the user's incoming call, and assist the user to complete the order of the product that the user wants to purchase under the e-commerce service interface according to the user's voice notification. In essence, the work of placing an order for purchased goods originally performed by the user is transferred to the customer service personnel of the call center. The user only needs to access the call center and instruct the customer service personnel to perform relevant operations.

Step 22, the third-party platform generates payment information and submits it to the payment and settlement platform.

The third-party platform adds a voice payment interface module and business logic to the existing third-party platform, completes the generation of commodity orders, and places an order with the payment and settlement platform to realize order management for customer service personnel to place orders on behalf of customers.

The third-party platform submits the order information sent by the customer service personnel of the call center to the payment and settlement platform. The detailed information of the product order includes the mobile phone number, order number, product number and amount, etc.

Step 23, the payment clearing and settlement platform generates payment information and submits it to the voice standard payment platform.

The payment, clearing and settlement platform implements voice payment order management and payment order processing, and is responsible for managing business orders paid by users in the form of voice, while submitting order payment requests and subsequent clearing and settlement functions to the voice standard payment platform.

The payment clearing and settlement platform generates a payment order according to the specific payment information, and sends the payment information to the voice standard payment platform.

In step 24, the call center transfers the user's voice call to the voice standard payment platform, and the voice standard payment platform performs a voice payment confirmation process with the user.

The voice standard payment platform accepts the payment order of the payment clearing and settlement platform, generates a unique bank order ID for this transaction and associates it with the commodity order ID, and sends it back to the call center step by step as a unique identifier; sends the payment order acceptance result and forwarding long number to Pay and clear the settlement platform, and complete the transfer step by step; prompt the user to perform the bank card payment operation through automatic IVR; save the payment result after the user's voice payment operation is completed, and give feedback step by step; send delivery notification information to the third-party platform, and complete This voice payment transaction.

The voice standard payment platform saves the payment information confirmation result, and sends the long number required for payment to the payment settlement platform; the payment settlement platform saves the payment information confirmation result, and sends the payment information confirmation result and the long number to the third-party platform; The three-party platform saves the payment information confirmation result, and sends the payment information confirmation result and the long number to the call center; the call center confirms the payment information with the user according to the payment information confirmation result, and after the user confirms the payment information, according to the long number The number transfers the user's telephone voice call to the voice standard payment platform.

The customer service personnel of the call center return the long number required by the user for payment to the voice standard payment platform; the long number includes the merchant number and payment order number assigned by the voice standard payment platform to the payment clearing and settlement platform. After the customer service confirms the order information with the user, the customer service staff will trigger the order payment process, that is, the call center platform customer service will transfer the user's voice call (with the voice standard payment platform assigned to the merchant number (7 digits) of the payment settlement platform and the payment order number (16 digits)) to the voice standard payment platform, and then the voice standard payment platform guides the user to complete the order payment process.

The voice payment confirmation process between the voice standard payment platform and the user includes: the voice standard payment platform queries the order information and the payment method opened by the third-party platform, prompts the user to select the payment method; prompts the user to input payment information according to the user selection result; The information is verified by the transaction information business, and the account deduction is processed.

Step 25, the voice standard payment platform notifies the user, the payment clearing and settlement platform and the third party platform of the payment result.

After the user completes the payment, the voice standard payment platform will notify the user of the payment result; at the same time, the background will send a payment result notification to the payment clearing and settlement platform. The voice standard payment platform notifies the user of the payment result; the voice standard payment platform sends the payment result to the payment settlement platform; the payment settlement platform saves the payment result and sends it to the third-party platform; the third-party platform saves the payment result.

In step 26, the third-party platform notifies the delivery process.

When the third-party platform receives the notification of successful payment, it will process the delivery and return the delivery result to the payment and settlement platform, and then the payment and settlement platform will send the delivery result to the voice standard payment platform. The third-party platform returns the delivery result to the payment and settlement platform; the payment and settlement platform sends the delivery result to the voice standard payment platform for storage.

So far, the process of voice transfer payment is completed.

When the user confirms the order information of the product selected by the call center customer service staff and agrees to place the order, the call center, third-party platform, payment clearing and settlement platform, and voice standard payment platform synchronize the order information through the background, and the voice standard payment platform Generate the bank order ID and send it back to the call center to complete the information synchronization during the subsequent IVR connection processing;

When the user confirms the payment, the call center queuing machine transfers the user's call to the IVR automatic process of the voice standard payment platform. When transferring the call, the user's mobile phone number and bank order ID are transparently transmitted to complete the order information of the voice standard payment platform. Match to realize the payment logic.

Under the guidance of the prompts of the IVR automatic voice process, the user can independently complete the payment or quick payment of the order to protect the user's privacy information.

As shown in Figure 3, it is a schematic diagram of a voice transfer payment process provided by Embodiment 3 of the present invention, specifically as follows:

The user dials the e-commerce service call number, and the customer service staff of the call center assists him or her to complete the order for the goods to be purchased under the e-commerce service interface.

The third-party platform generates payment information (mobile phone number, order number, product number and amount, etc.), and submits it to the payment and settlement platform.

The payment clearing and settlement platform generates the payment information confirmation result, and submits the payment information background to the voice standard payment platform.

The voice standard payment platform accepts the order, saves and returns the payment information confirmation result and the long number used for call forwarding, and sends it to the payment settlement platform. The payment clearing and settlement platform saves the payment information confirmation result and the long number used for call forwarding and sends them to the third-party platform.

After the third-party platform receives the confirmation result of the payment information and the forwarded long number, the customer service of the call center platform confirms the payment information with the user.

After the customer service confirms the payment information with the user, the manual customer service triggers the payment process, that is, the customer service of the call center platform transfers the user's voice call (with the voice standard merchant number (7 digits) and payment order number assigned by the payment platform to the payment clearing and settlement platform (16 digits)) to the voice standard payment platform, and then the voice standard payment platform guides the user to complete the payment process.

The payment process includes: the voice standard payment platform queries the payment information and the payment methods supported by the third-party platform, and prompts the user to select the corresponding payment method (such as credit card payment or debit card payment). User selects payment method and returns. The voice standard payment platform prompts the user to enter bank card payment information. User enters and confirms. The voice standard payment platform conducts verification, and then notifies the user whether to save relevant information after the verification is passed. The user chooses whether to save or not. Debit the user's bank card. Complete the payment.

After the user completes the payment, the voice standard payment platform will notify the user of the payment result; at the same time, the background will send a payment result notification to the payment clearing and settlement platform.

When the third-party platform receives the notification of successful payment, it will process the delivery and return the delivery result to the payment and settlement platform, and then the payment and settlement platform will send the delivery result to the voice standard payment platform.

Based on the voice transfer payment process in Embodiment 3, an example is as follows:

It is set that a user A dials the e-commerce service call number "123456", and describes to the customer service personnel of the call center platform that he wants to buy two "XY brand yellow towels" by voice.

The customer service personnel of the call center platform complete the order operation of two "XY brand yellow towels" under the e-commerce service interface.

The third-party platform generates two pieces of "XY brand yellow towel" payment information and sends it to the payment and settlement platform.

The payment clearing and settlement platform generates corresponding payment information and sends it to the voice standard payment platform.

The voice standard payment platform returns the payment information confirmation result notification and the forwarding number to the payment settlement platform.

The payment clearing and settlement platform forwards the confirmation result of the payment information and the forwarding number to the third-party platform.

The third-party platform saves the payment information confirmation result and forwards the forwarding number to the call center platform.

The customer service of the call center platform sees two "XY brand yellow towels" orders successfully placed on the e-commerce service interface, and then confirms the payment information (the product name, quantity and total amount corresponding to the order) with user A by voice.

After the customer service of the call center platform confirms with user A that the payment information is correct, the call is switched to the voice standard payment platform (by clicking the transfer button provided by the call center platform).

The voice standard payment platform prompts user A to select the type of bank card (credit card or debit card) in IVR mode, such as "press 1 to select a credit card, press 2 to select a debit card".

After user A presses 1 to select a credit card, the voice standard payment platform prompts the user to input credit card information (card number, validity period, query password, etc.) in IVR mode.

The voice standard payment platform verifies the credit card information entered by user A, and prompts user A whether to save the bank card information after the verification is passed, such as "press 1 to save the information, press 2 to not save the information".

After user A presses 1 and chooses to save the bank card information, the voice standard payment platform will carry out the bank card deduction processing. After the deduction is successful, the user will be notified of the successful payment through IVR, and the call ends.

After the third-party platform receives the payment information confirmation result, it will deliver the goods to user A.

As shown in Figure 4, it is a schematic diagram of a voice transfer payment process provided by Embodiment 4 of the present invention, specifically as follows:

In this embodiment, it is assumed that the user has registered the relevant payment information on the voice standard payment platform, so that quick payment can be realized.

The user dials the e-commerce service call number, and the customer service staff of the call center assists him or her to complete the order for the goods to be purchased under the e-commerce service interface.

The third-party platform generates payment information (mobile phone number, order number, commodity number, amount, etc.), and sends it to the payment and settlement platform in the background.

The payment clearing and settlement platform generates the payment information confirmation result, and submits the payment information confirmation result backstage to the voice standard payment platform.

After the third-party platform receives the confirmation result of the payment information and the forwarded long number, the customer service of the call center platform confirms the payment information with the user.

After the customer service confirms the payment information with the user, the manual customer service triggers the payment process, that is, the customer service of the call center platform manually transfers the user's voice call (with the voice standard merchant number (7 digits) and payment order assigned by the payment platform to the payment settlement platform Number (16 digits)) to the voice standard payment platform, and then the voice standard payment platform guides the user to complete the payment process.

If the user has completed the first use of voice payment, has stored the bank card number and card password, and then chooses quick payment, the voice standard payment platform will directly notify the user of the payment result; at the same time, the background will send a payment result notification to the payment clearing and settlement platform.

When the third-party platform receives the notification of successful payment, it will process the delivery and return the delivery result to the payment and settlement platform, and then the payment and settlement platform will send the delivery result to the voice standard payment platform.

Based on the voice payment process of Embodiment 4, an example is as follows:

A user A dials the e-commerce service call number "123456", and describes to the customer service personnel of the call center platform by voice that he wants to buy two "XY brand yellow towels".

The customer service staff of the call center completes the order operation of two "XY brand yellow towels" under the e-commerce service interface.

The third-party platform generates two pieces of "XY brand yellow towel" payment information and sends it to the payment and settlement platform.

The payment clearing and settlement platform generates corresponding payment information and sends it to the voice standard payment platform.

The voice standard payment platform returns the payment information confirmation result and the forwarding number to the payment clearing and settlement platform.

The payment clearing and settlement platform forwards the confirmation result of the payment information and the forwarding number to the third-party platform.

The third-party platform saves the payment information confirmation result and forwards the forwarding number to the call center.

The call center customer service sees two "XY brand yellow towels" orders successfully placed on the e-commerce service interface, and confirms the payment information (the product name, quantity and total amount corresponding to the order) with user A by voice.

After the call center customer service confirms with user A that the payment information is correct, the call is switched to the voice standard payment platform (by clicking the transfer button provided by the call center).

The voice standard payment platform prompts user A to enter the payment transaction password in IVR mode.

After user A enters the correct payment transaction password, the voice standard payment platform will carry out bank card deduction processing. After the deduction is successful, the user will be notified of the successful payment through IVR, and the call ends.

After the third-party platform receives the payment success notification, it will process the delivery to user A.

As shown in Figure 5, Embodiment 5 of the present invention provides a voice transfer payment system, the system includes a call center 100, a third-party platform 200, a payment clearing and settlement platform 300 and a voice standard payment platform 400, specifically as follows:

The call center 100 is used to receive the voice access of the calling number, and obtain the selected information according to the content information of the voice access; forward the selected information to the third-party platform 200; receive the confirmation result of the payment information and the long number fed back by the third-party platform ; Transfer the call number voice access call to the voice standard payment platform 400 according to the long number.

The third-party platform 200 is used to generate payment information confirmation results and long numbers according to the selected information; and feed back to the call center 100;

Further, according to the notification of the voice standard payment platform 400, the notification delivery process is performed.

The payment clearing and settlement platform 300 is used to generate payment information according to the selected information and submit it to the voice standard payment platform 400;

The voice standard payment platform 400 is used to receive voice call forwarding from the call center 100 and complete the payment. Generate a payment information confirmation result according to the payment information, and send the payment information confirmation result and the long number to the payment settlement platform 300 .

Further, the voice standard payment platform 400 is also used to perform voice payment according to the confirmation result of the payment information;

Further, the call center 100 is also used to confirm the payment information confirmation result with the user before transferring the call number voice access call to the voice standard payment platform 400 according to the long number to complete the payment.

Further, the voice standard payment platform 400 is also used to associate the payment information confirmation result with the payment information, including the payment order number, or including the payment order number and the merchant number.

As shown in Figure 6, it is a schematic structural diagram of a call center 100 provided by Embodiment 6 of the present invention, wherein the call center includes a call access unit 101, a selection unit 102, a query unit 103 and a transfer unit 104, specifically as follows:

The call access unit 101 is used to receive the voice access of the calling number and establish a voice connection with the user;

A selecting unit 102, configured to obtain selected information according to the content information of the voice access;

The switching unit 103 is used to forward the selected information to the third-party platform; receive the payment information confirmation result and the long number fed back by the third-party platform; transfer the voice access call of the calling number to the voice standard payment according to the long number platform.

The transfer unit 103 is also used to confirm the payment information confirmation result with the user before transferring the voice access call of the calling number to the voice standard payment platform according to the long number to complete the payment.

As shown in Figure 7, it is a schematic structural diagram of a voice standard payment platform 400 provided by Embodiment 7 of the present invention. The voice standard payment platform 400 includes an acceptance unit 401, a voice payment unit 402 and a payment result storage unit 403, specifically as follows:

The accepting unit 401 is used to accept the payment information, and generate payment information confirmation results and send them back to the call center step by step; send the payment information confirmation results and corresponding long numbers to the payment clearing and settlement platform, and complete the transfer step by step;

Voice payment unit 402, used to establish voice access and perform voice payment confirmation process;

The payment result saving unit 403 is used for saving the payment result after the voice payment operation is completed, and giving feedback step by step.

It should be noted that: the voice transfer payment system provided by the above embodiment only uses the division of the above functional modules as an example for the voice transfer payment. In practical applications, the above functions can be assigned to different function modules as required. Module completion means that the internal structure of the system is divided into different functional modules to complete all or part of the functions described above. In addition, the voice transfer payment system and the voice transfer payment method embodiments provided in the above embodiments belong to the same concept, and the specific implementation process is detailed in the method embodiment, and will not be repeated here.

The serial numbers of the above embodiments of the present invention are for description only, and do not represent the advantages and disadvantages of the embodiments.

In summary, the present invention builds an e-commerce voice standard payment platform, receives user voice access through the call center and completes the order, confirms and delivers the order through the third-party platform, and performs specific order management through the payment clearing and settlement platform. The voice standard payment platform completes the payment confirmation with the user. Use the user's telephone voice to realize the entire e-commerce process of online product purchase, order confirmation and voice payment on the third-party platform, complete the information synchronization of the product order and payment order through the user's order confirmation and payment, and realize the information verification and information during voice IVR payment. Security and payment logic. Created a voice transfer payment model, lowering the threshold for e-commerce use.

The above-mentioned embodiment is a preferred embodiment of the present invention, but the embodiment of the present invention is not limited by the above-mentioned embodiment, and any other changes, modifications, substitutions, combinations, Simplifications should be equivalent replacement methods, and all are included in the protection scope of the present invention.

Claims (10)

1. a voice forwarding method of payment, is characterized in that, described method comprises:

Receipt of call Number Voice accesses, and obtains selected information according to the content information of described audio access;

Described selected information is forwarded to third-party platform;

The payment information receiving third-party platform feedback confirms result and long code;

According to long code, the call forwarding of described call number audio access is completed payment to token sound payment platform.

2. the method for claim 1, is characterized in that, described method also comprises:

Described selected information is submitted to and is paid clear settlement platform by third-party platform;

Pay clear settlement platform and generate payment information according to described selected information, submit token sound payment platform to;

Token sound payment platform generates payment information according to payment information and confirms result, payment information is confirmed result and long code send and pays clear settlement platform;

Pay clear settlement platform and described payment information is confirmed result and long code send third-party platform.

3. the method for claim 1, is characterized in that, described method also comprises:

By the call forwarding of described call number audio access to token sound payment platform, according to described payment information, token sound payment platform confirms that result carries out voice payment;

Payment result notifies user by token sound payment platform, pay in clear settlement platform or third-party platform at least one.

4. the method for claim 1, is characterized in that, described method also comprises:

Before described call number audio access call forwarding to token sound payment platform being completed payment according to long code, confirm result with user's payment confirming information.

5. the method for claim 1, is characterized in that, described method also comprises:

Described payment information confirms that result is associated with payment information, comprises pay invoice number, or comprises pay invoice number and trade company's number.

6. a call center, is characterized in that, comprises call accessing unit, selected unit and adapter unit, wherein,

Described call accessing unit, for the access of receipt of call Number Voice, sets up voice with user and is connected;

Described selected unit, for obtaining selected information according to the content information of described audio access;

Described adapter unit, for being forwarded to third-party platform by described selected information; The payment information receiving third-party platform feedback confirms result and long code; According to long code by the call forwarding of described call number audio access to token sound payment platform.

7. call center as claimed in claim 6, it is characterized in that, described adapter unit also for before described call number audio access call forwarding to token sound payment platform being completed payment according to long code, confirms result with user's payment confirming information.

8. a token sound payment platform, is characterized in that, comprises and accepts unit, voice payment unit and payment result storage unit, wherein,

Describedly accept unit, for accepting payment information, and generate payment information and confirm that result is transmitted back to call center step by step; Payment information is confirmed result and corresponding long code send to and pay clear settlement platform, and complete transmission step by step;

Described voice payment unit, for setting up audio access, carrying out voice payment and confirming process;

Described payment result storage unit, has operated rear preservation payment result for voice payment, and has fed back step by step.

9. a voice forwarding payment system, is characterized in that, described system comprises call center, third-party platform and token sound payment platform, wherein,

Described call center, for the access of receipt of call Number Voice, and obtains selected information according to the content information of described audio access; Described selected information is forwarded to third-party platform; The payment information receiving third-party platform feedback confirms result and long code; According to long code by the call forwarding of described call number audio access to token sound payment platform;

Described third-party platform, confirms result and long code for generating payment information according to described selected information; And feed back to described call center;

Described token sound payment platform, for receiving the voice call forwarding of described call center and completing payment.

10. system as claimed in claim 9, is characterized in that, described system also comprises the clear settlement platform of payment, for generating payment information according to described selected information and submitting described token sound payment platform to; Described payment information is confirmed result and long code send third-party platform;

Described token sound payment platform generates payment information according to payment information and confirms result, payment information is confirmed result and long code send and pays clear settlement platform.