It introduces that the switch billing system realizes a variety of charging through the payment platform system, including real-time collection, pre-deposit collection, collection and payment, and hair-trigger. Real-time collection is immediately collected from the bank when the user incurs a certain fee, pre-deposit collection is the collection of pre-deposit when the user enters the network, the pre-deposit is the user goes to the bank to pay, the bank collects cash, and the touch is that the user deposits the expenses he generates from the personal account to the enterprise account through the voice prompt of the enterprise’s customer service system.