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Method for paying through intermediate platform and paying system thereof

An intermediate platform and subsystem technology, applied in the field of online transactions, can solve the problems of payment methods without safety factor and high operability, without safety factor, high operability, etc., to reduce invalid waiting time, reduce operating costs, optimize The effect of equipment

Inactive Publication Date: 2009-07-01
ALIBABA GRP HLDG LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0010] An object of the present invention is to provide a payment method through an intermediate platform to solve the technical problem that there is no payment method with high safety factor and strong operability in the traditional telephone shopping field in the prior art
[0011] Another object of the present invention is to provide a payment system through an intermediate platform to solve the technical problem that there is no payment method with a high safety factor and strong operability in the traditional telephone shopping field in the prior art

Method used

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  • Method for paying through intermediate platform and paying system thereof
  • Method for paying through intermediate platform and paying system thereof
  • Method for paying through intermediate platform and paying system thereof

Examples

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Embodiment Construction

[0049] The present invention will be described in detail below in conjunction with the accompanying drawings.

[0050] see figure 2 , which is a schematic structural diagram of the payment system of the present invention for payment through an intermediate platform. It is used to realize the user's payment to the intermediate platform 5 to complete the transaction between the user and the merchant subsystem 21 . It includes a user's communication terminal 22 , a merchant subsystem 21 and an intermediate platform 5 . Wherein, the merchant subsystem 21 is connected to the intermediate platform 5 through a network or a dedicated line, and the intermediate platform 5 is connected to the user's communication terminal 21 through a wireless communication network. The user's communication terminal 21 can directly communicate with the merchant subsystem 21 (the merchant subsystem 21 needs to be provided with a wireless communication subsystem) through the wireless communication netw...

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Abstract

The invention relates to a method of paying through a middle platform, which is used to achieve payment to the middle platform by a user, and finish trading between a user and a merchant subsystem. The method comprises the following steps: firstly, receiving trading request transmitted by the merchant subsystem by the middle platform, wherein the trading request at least comprises cell phone numbers of a user and trading information which comprises payment amount, secondly, searching for corresponding account information by the middle platform according to the cell phone numbers, thirdly, switching word form of the trading information into voice through utilizing a speech synthesis technology by the middle platform, and forming voice data comprising a prompt user response mode, fourthly, dialing back corresponding cell phone numbers to a user by the middle platform, and playing the voice data after switching on and talking with a user, fifthly, finishing withholding detain treatment to a corresponding account by the middle platform according to the response of the user to the voice data, and transmitting the treatment results of the trade to the merchant subsystem or respectively transmitting to the merchant subsystem and a user. A user can pay through utilizing a cell phone and a telephone, and the method is convenient and has high security.

Description

technical field [0001] The invention relates to the field of network transactions, in particular to a payment method and payment system through an intermediate platform. Background technique [0002] With the development of the Internet and the maturity of encryption technologies such as digital signatures, e-commerce is booming around the world, and a large number of successful examples such as Amazon and Alibaba have emerged with e-commerce as the main mode of operation. [0003] This way of trading has completely changed the existing trading model. see figure 1 , which is a schematic diagram of the principle structure of an existing common online trading system. It includes merchant 1, intermediate platform 2, card issuing subsystem 3 and user 4. The user 4 pre-purchases the commodity of the merchant 1, and first uses the intermediate platform 2 to complete the online payment of the card issuing subsystem 3, and then the merchant 1 delivers the commodity to the user 4 ...

Claims

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Application Information

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IPC IPC(8): G06Q20/00H04M3/42G06Q20/02
Inventor 袁雷鸣梁文瑾马烈
Owner ALIBABA GRP HLDG LTD
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