BUSINESS METHODS AND SYSTEMS FOR FACILITATING AND ENSURING ONLINE TRANSACTIONS THROUGH LIVE VIDEO AND AUDIO CONFERENCING AND RECORDING

摘要

The present invention relates to a method and a system for facilitating and ensuring online transactions' quality and security, and more particularly to a method and a system for providing an online payment service that uses video and audio recording to facilitate and ensure online transactions. The system comprises a website for customers to interact with a representative from said payment service system and/or view their payment service accounts utilizing a variety of features.

主权项

1. An online payment service method of facilitating and ensuring online transactions through the internet for merchants and individuals, the method comprising:
providing a website for computer with data connection for customers to interact with a representative from said payment service system and/or view their payment service accounts; providing an application (app) optimized for mobile devices with web connection for customers to interact with a representative from said payment service system and/or view their payment service accounts that utilizes the mobile devices keyboard, microphone, and video camera; providing a web-based merchant a payment service website link that is displayed on the merchant's website or app and can redirect a customer to said payment service website or app upon selection of the link; providing multi-party conferencing tools including audio and video communication module and chat box for text entry for allowing interaction between a customer and a representative from said payment service; providing a real time video and audio recording module for video and audio recording the transaction process; providing a receiving module for receiving the product, charge, customer information; providing a database for storing the customer's information; providing network firewall and encrypting customer's information to ensure transaction security and customer's privacy; and a payment module for processing payment and/or money transfer via customer's payment service account, credit cards, debit cards, and/or bank; wherein the transaction process is video and audio recorded.