The Design And Implementation Of The Bank Card Phone Payment System

With the rapid development of electronic commerce today, online payment and mobile payment have already become an important support for the development of electronic commerce. At present a lot of payments are required to open online banking,the purchase of goods and services is completed on the basis of the third party payment platform. But at least about two billion bank cards can not achieve online transactions.China UnionPay complies with the time development demand, the voice payment system is researched combined with a number of banks, achieves security, efficient payment mode.In this thesis, according to unionpay to pay related specification and standard software development, structure of voice payment system is builded combined with voice payment demand.The functions of voice pay system are constructed, The realization of the voice payment system is completed using IVR technology and C++technology, the research and development of the voice payment system are completed.The system makes full use of IVR voice payment gateway and voice payment platform,ensure the voice of payment information automatic transfer, complete the mode of voice pay. The asynchronous double channel transmission information is used in the system,the first voice channel transfers payment orders, bank card number and phone number,the second voice channel transfers sensitive information. The method effectively improves the security of payment system. The C++ Technology and C/S structure are used in the system; it reduces the client load, reflects the characteristics of object-oriented, and guarantees the safety of the voice payment system data.At present, the voice payment system has been applied in many industries,including insurance, aviation, fund etc. Voice of payment is based on the dual channel,namely Internet data channel and telephone voice channel, it can achieve more convenient and safe. After the application of the voice payment system, merchants can provide a more convenient payment, reduce personal information leakage risk;Customer can be achieved without card payments, implement payment anytime and anywhere.