13-02-2014 дата публикации
Номер: US20140046850A1
A transaction payment method includes the following steps: acquiring payment information about a user, the payment information including a contact number; calling the contact number through an Interactive Voice Response platform to acquire the payment password input by the user; and verifying the payment password and payment information, and performing payment if the verification is passed. The transaction payment method above can be applied to improve payment security. Additionally, also provided is a transaction payment system. 1. A transaction payment method , comprising:acquiring payment information of a user, the payment information including a contact number;calling the contact number through an interactive voice response platform to acquire a payment password input by the user; andverifying the payment password and the payment information, and performing a payment if the verification is passed.2. The method of claim 1 , wherein the step of acquiring the payment information of the user is over an Internet channel or an instant communication channel claim 1 , acquiring the payment information of the user submitted by a payment terminal.3. The method of claim 1 , wherein the contact number is a mobile contact number; and before the step of calling the mobile contact number through the Interactive voice response platform claim 1 , the method further comprises:sending a short message verification code to a mobile terminal corresponding to the mobile contact number through a Short Message Service platform;receiving a replied verification code returned by the mobile terminal;determining whether the replied verification code is identical with the short message verification code, if so, the verification is passed; otherwise, the verification fails.4. The method of claim 3 , wherein before the step of calling the mobile contact number through the Interactive voice response platform claim 3 , further comprising:acquiring a mobile contact number of the mobile terminal ...
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