KR101101345B1 - Home hub terminal including a telephone device with card payment function of photo authentication type for sign forge prevention - Google Patents

Abstract

PURPOSE: A terminal having a card settlement function and home hub terminal including the same are provided to perform the card transaction function of a picture certification type for the prevention of signature forgery. CONSTITUTION: An IP telephone module(305) forms a telephone call channel through an IP network. A card settlement module(309) recognizes card information from a check card, a debit card, or a credit card. The card settlement module obtains the picture data of a card user. The card settlement module issues a receipt having the picture data. A controller(315) controls a PSTN telephone module, the IP telephone module, and card settlement module.

Description

A phone terminal having a photo authentication method for preventing sign forgery, and a home hub terminal including the same.

The present invention relates to a telephone terminal having a card payment function and a home hub terminal including the same, and more particularly, a telephone terminal having a card payment function of a photo authentication method capable of preventing a forgery and a home hub terminal including the same. It is about.

Recently, more and more people are using Internet telephones (hereinafter referred to as 'IP telephones') using internet networks instead of wired telephones through PSTN networks. In addition, modern IP phones not only make IP phone calls but also include various service functions.

For example, Korean Patent Application Publication No. 2010-0028771 discloses a video phone for the Internet that can perform a video call function, a credit settlement function through a credit card, and a tax payment function including taxes and utilities.

However, since the identity verification is made only by the sign at the time of credit settlement, even if you seal the counterfeit sign using a stolen card, the approval can be made, there was a problem that can be exposed to crime.

Therefore, it has been required to develop a video phone for the Internet with a new method of credit settlement that can prevent a forgery while having a video payment for the Internet as well as a telephone function.

In addition, the conventional IP telephone terminal has been evolving to include various service functions through the Internet network, but did not have a wired telephone function of the PSTN network.

According to an embodiment of the present invention, it is an object of the present invention to provide a home hub terminal capable of performing a telephone call function, a financial business function, and a card authentication function of a photo authentication method for preventing forgery.

In addition, according to an embodiment of the present invention, an object of the present invention is to provide a home hub terminal capable of making a telephone call by arbitrarily selecting a PSTN network or an IP network.

In addition, according to an embodiment of the present invention, by connecting each electronic device and electrical equipment in the home to the home hub terminal to control, to provide a home hub terminal that also functions as a terminal of the home automation system in the home. .

In order to achieve the above object, the present invention provides a telephone terminal capable of a voice call or a video call, comprising: a PSTN telephone module capable of forming a telephone call channel through a public telephone network (PSTN network); An IP telephone module capable of forming a telephone call channel through an internet network (IP network); A card payment module for recognizing card information from a check card, a cash card or a credit card, obtaining authentication shot data of a card user, and issuing a receipt including the authentication shot data; And a controller for controlling the PSTN telephone module, the IP telephone module, and the card payment module, wherein the controller controls the PSTN telephone module and the IP telephone module according to a user input or a predetermined routine. When the telephone terminal simultaneously receives an outgoing call of a PSTN network telephone and an outgoing call of an IP network telephone, the telephone terminal establishes a telephone call channel in response to one outgoing call according to a user's selection, and is held by the caller of the remaining unselected outgoing calls. The card payment module transmits a message, and transmits the card information and the authentication shot data received from the card payment module to a bank server or a card company server, and issues the receipt upon approval of the bank server or the card company server. It is characterized by controlling.

It may further include a financial business module connected to the bank server or the card company server to perform financial business functions such as account inquiry and account transfer.

The control unit receives the outgoing call of the second phone when the outgoing call of the other phone (second phone) is received while one of the PSTN network phone and the IP network phone is busy. Notify the user of the fact and, upon user input thereto, control to terminate the call of the first phone and to establish a call channel of the second phone or to maintain the call channel of the first phone and to caller of the second phone It may be configured to further include a function to control to send a pending message to the.

The present invention provides a home hub terminal, comprising: a keypad for inputting numbers and characters; A display for displaying information to a user; A storage medium storing a public telephone network (PSTN network) telephone telephone program, an internet network (IP network) telephone program, a financial business program, and a card payment business program; An image processor for image processing an authentication shot of a card user acquired from a camera; A voice processing unit for performing analog / digital conversion on voice data; PSTN interface unit for connecting to the PSTN network; An IP interface unit for connecting to the Internet network; And a receipt printing unit for printing and issuing a receipt according to the card payment; A card recognition unit for recognizing a cash card, check card or credit card; The home hub terminal includes a telephone call function through a PSTN network and a telephone call function through an internet network, and the controller recognizes the card recognition unit when the home hub terminal performs a card payment service function. The card information recognized by the user and the authentication shot of the card user obtained from the image processing unit are transferred to the bank server or the card company server through the PSTN interface unit or the IP interface unit, and the authentication is performed when the bank server or the card company server is approved. And controlling the receipt printing unit to print a receipt including a shot.

The home hub terminal may include at least one of a wireless communication unit for wirelessly communicating with at least one electronic device or at least one electric device, or a PLC communication unit for communicating with at least one electronic device or at least one electric device with a power communication network (PLC network). It can be configured to further include.

The control unit receives the outgoing call of the second phone when the outgoing call of the other phone (second phone) is received while one of the PSTN network phone and the IP network phone is busy. Notify the user of the fact and control to terminate the call of the first phone and form a call channel of the second phone according to user input thereto, or to maintain the call channel of the first phone and It may be configured to further include a function to control to send a hold message to the sender.

The keypad further includes one or more buttons, and when the financial business program or the card payment business program is registered with the button, a program registered among the financial business program or the card payment business program is executed when the button is pressed. Can be configured.

According to an embodiment of the present invention, the card payment function can be performed not only by a telephone call function and a financial business function but also by a photo authentication method for preventing sign forgery.

The home hub terminal according to an embodiment of the present invention has an effect of making a telephone call by selecting one of a PSTN network telephone and an IP network telephone.

In addition, according to an embodiment of the present invention, by connecting and controlling various electronic devices and / or electric devices in the home to the home hub terminal, there is an effect of serving as a hub of all electronic / electric devices.

1 is an overall system configuration to which a home hub terminal is applied according to an embodiment of the present invention.
2 is a block diagram of a home hub terminal 100 according to an embodiment of the present invention.
3 is a perspective view of a home hub terminal 100 according to an embodiment of the present invention.
4 is a functional block diagram of a home hub terminal 100 according to an embodiment of the present invention.
5 is a flowchart of initiating a PSTN network telephone call in a home hub terminal according to an embodiment of the present invention;
Figure 6 is a flow chart for making a credit card payment through a home hub terminal according to an embodiment of the present invention.
7 is a view showing a receipt issued when a credit card payment in the home hub terminal according to an embodiment of the present invention.

Objects, other objects, features and advantages of the present invention will be readily understood through the following preferred embodiments associated with the accompanying drawings. However, the present invention is not limited to the embodiments described herein and may be embodied in other forms. Rather, the embodiments introduced herein are provided as examples to ensure that the disclosed subject matter is thorough and complete, and that the scope of the invention to those skilled in the art will fully convey.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. In this specification, the singular forms also include the plural unless specifically stated otherwise in the phrases. As used in the specification, 'comprises' or 'comprising' does not exclude the presence or addition of one or more other components in addition to the components mentioned.

Hereinafter, with reference to the accompanying drawings will be described in detail the configuration according to an embodiment of the present invention.

1 is an overall system configuration to which a home hub terminal is applied according to an embodiment of the present invention. 1, a home hub terminal 100 according to an embodiment of the present invention is a terminal including both an IP telephone and a PSTN telephone function, and also includes a financial service and a card payment service, as well as a PSTN network (public telephone network). 10) and the Internet network 20.

The home hub terminal 100 includes an IP telephone function and a PSTN telephone function as the most basic functions. When the home hub terminal 100 has an IP telephone and a PSTN telephone function, a financial business and a card payment business function, the home hub terminal 100 is a telephone terminal to which the financial business and card payment business functions are added. It may be referred to as a 'telephone terminal' rather than a hub terminal '.

In the preferred embodiment shown in FIG. 1, the home hub terminal 100 is wired or wirelessly connected to various electronic devices and electrical devices such as an interphone, a TV, a PC, a home remote power management unit, and a home office device to communicate with them. And control and thus act as a hub for home electronics and electronics. In addition, although not shown, the home hub terminal 100 may communicate with a remote controller of various electronic devices in the home, and may also communicate with a remote healthcare device. In one embodiment, the wireless communication with each electronic device and the electric device may be performed by, for example, Zigbee, Bluetooth, and the like, and the wired communication may be performed through a dedicated line or a PLC (power line network) line between the devices. .

When the home hub terminal 100 functions as a PTSN telephone, the terminal 100 may talk to the other's PSTN telephone terminal 300 via the PSTN network 10, and the other telephone terminal may be the IP telephone terminal 400. The mobile phone terminal 500 may communicate with each terminal 400 and 500 via the PSTN network 10 through the Internet network 20 and / or the mobile communication network 30.

In addition, when the home hub terminal 100 functions as an IP telephone, the terminal 100 passes through the Internet network 20 and, if necessary, the PSTN network 10 and / or the mobile communication network 30 to the other party's PSTN telephone terminal. 300, the IP phone terminal 400, or the mobile phone terminal 500.

In addition, when the home hub terminal 100 functions as a banking function, the terminal 100 may communicate with the bank server 600 via the Internet network 200, the PSTN network 10, or the mobile communication network 30. .

In addition, when the home hub terminal 100 functions as a card payment service, the terminal 100 may communicate with the card company server 600 via the Internet network 200, the PSTN network 10, or the mobile communication network 30. have.

In FIG. 1, the PSTN telephone terminal 300 may be a conventional wired or wireless telephone communicating through a public telephone network, and the IP telephone terminal 400 may be a conventional wired or wireless IP telephone communicating through an internet network. Can be. According to the embodiment, the IP telephone terminal 400 may be a terminal dedicated to Internet telephony or may be a personal computer (PC) or a laptop computer on which an Internet telephony program such as 'Skype' is installed. In addition, the mobile phone terminal 500 refers to a conventional cellular or 2G, 3G, or 4G mobile phones and smartphones.

In FIG. 1, the bank server 600 communicates with the home hub terminal 100 through a PSTN network, the Internet network, and a mobile communication network to perform an account inquiry and account transfer service requested from the home hub terminal 100. The bank server 600 may be implemented as a server computer installed in each bank, each bank server 600 may be linked to each other to form a financial common network.

In detail, when the bank server 600 requests an account inquiry from the home hub terminal 100, the bank server 600 transmits the inquiry account information to the home hub terminal 100 by inquiring the account, and when the bank transfer request is made, the banking network is provided. Through the communication between the respective bank server 600 through the transfer of the account.

In FIG. 1, the card company server 700 communicates with the home hub terminal 100 through a PSTN network, the Internet network, and a mobile communication network to perform a card payment service requested from the home hub terminal 100. The card company server 700 may be implemented as a server computer installed in each card company.

By the system configuration of FIG. 1 as described above, the home hub terminal 100 according to the present invention serves as a hub of various electronic / electrical devices such as an interphone, a TV, a PC, etc. in a home, and at the same time, through a PSTN network 10. It may include a telephone function and a voice or video telephone function through the Internet network 20. In addition, by installing the banking program and the card payment service program in the home hub terminal 100, it is possible to use the banking and card payment service.

Hereinafter, the configuration of the home hub terminal 100 will be described in detail with reference to FIGS. 2 and 3. 2 is a block diagram illustrating a home hub terminal 100 according to an embodiment of the present invention, and FIG. 3 is a perspective view of the home hub terminal 100.

Referring to FIG. 2, the home hub terminal 100 includes a keypad 101, a display 103, a memory 105, an image processing unit 107, an audio processing unit 111, a PSTN interface unit 115, and an IP interface unit. 117, a wireless communication unit 119, a PLC communication unit 121, a receipt printing unit 123, a card recognition unit 125, and a control unit 127.

The keypad 101 is an input means, and as shown in FIG. 3, a number of buttons arranged to input numbers and characters. The user may enter a phone number or input alphabetic characters, Korean characters, special characters, etc. through the keypad 101.

The keypad 101 may further include buttons for directly executing the PSTN network phone, banking function, and card payment function, respectively, which will be described later.

The display 103 is a monitor provided in the home hub terminal 100 and functions to show various information to the user. For example, when the home hub terminal 100 is used as a video telephone, information such as an image of the counterpart, a phone number of the counterpart, a talk time, and the like may be displayed. In addition, in the case of a banking function, a banking program screen related to banking, ie, account inquiry and account transfer, may be displayed, and in the case of a card payment business function, a card payment service program screen may be displayed.

According to the embodiment, when the display 103 includes a function of receiving a touch input, the display 103 may be used as an input means together with the keypad 101.

The memory 105 stores various service programs and information that can be performed by the home hub terminal, and may include one or more of various storage media such as a flash memory, a USB memory, an SD card, and an external hard disk. . In one embodiment, memory 105 stores PSTN telephony programs, IP telephony programs, financial services programs, card payment services programs. In addition, when the home hub terminal 100 is connected to various electronic devices and electrical devices such as interphones, TVs, PCs, remote power management units, and home office devices in the home, the home hub terminal 100 stores programs and data necessary for controlling these devices.

According to a preferred embodiment of the present invention, the PSTN telephone program, the IP telephone program, the financial business program, and the card payment business program can each be registered with one of a plurality of buttons of the keypad 101, so that they can be executed more conveniently.

The image processor 107 codes the image data obtained from the camera 109, or decodes the coded image data. When the home hub terminal 100 functions as a video telephony function, it converts the user's video obtained from the camera 109. When the home hub terminal 100 functions as a credit card payment function, the home hub terminal 100 acquires the video through the camera 109. Image of the authenticated user (still image).

The voice processor 111 converts analog voice data into digital data and vice versa, and is connected to the handset 113, a microphone, and a speaker. The handset 113 is a wired or wireless device which is detached from the home hub terminal 100 and closes to the user's mouth and ear when the telephone is called, as shown in FIG. 3, and includes a separate microphone and a speaker, according to an embodiment. (113) can be replaced by a wired or wireless headset with a microphone and speakers. In addition, the home hub terminal 100 may further include a jack for connecting an external microphone and an external speaker to the terminal body, and voice data transmitted and received from all such microphones, speakers, and jacks are processed by the voice processing unit 111. .

The PSTN interface unit 115 is an interface unit for telephone conversation of a PSTN network and is connected to an external telephone line through an RJ-11 port. The IP interface unit 117 may be, for example, an Ethernet controller as an interface unit for connecting to the Internet network, and is connected to the external Internet network by a wired and / or wireless network such as an RJ-45 port. The home hub terminal 100 is connected to the public telephone network (PSTN network) and the Internet network through the PSTN interface unit 115 and the IP interface unit 117 and is accessible to the bank server 600 and the card company server 700 by financing. You can use business services and credit card services.

The wireless communication unit 119 serves as an interface for allowing the home hub terminal 100 to wirelessly communicate with various electronic devices and / or electric devices in the home, and may communicate using, for example, Bluetooth or Zigbee.

The PLC communication unit 121 serves as an interface for allowing the home hub terminal 100 to communicate with various electronic devices and / or electric devices in the home by a power communication network. In addition, when the home hub terminal 100 is used in the smart grid system according to the embodiment, the PLC communication unit 121 may include a role of transmitting and receiving various information such as power consumption in the home by communicating with an external power company.

The receipt printing unit 123 is a printer for printing a receipt according to a card payment when the home hub terminal 100 performs a card payment service function, and may be configured to be embedded in the main body of the home hub terminal 100. The receipt printing unit 123 may apply various types of printers, but the configuration of the thermal printer is applied in this embodiment.

The card recognition unit 125 recognizes the card information of the user's check card, cash card, or credit card at the time of the card payment service function of the home hub terminal 100, and uses various types of contact or contactless methods. A card reader can be applied.

The control unit 119 includes the above-described function unit, that is, the keypad 101, the display 103, the memory 105, the image processing unit 107, the audio processing unit 111, the PSTN interface unit 115, and the IP interface unit 117. ), Communicates with the wireless communication unit 119, PLC communication unit 121, receipt printing unit 123, and the card recognition unit 125 to transmit and receive signals from each functional unit, and to be implemented as a microprocessor Can be.

In addition, although not shown in FIG. 2, the home hub terminal 100 may include one or more of the above-described functional units according to the embodiment, and additional functional units such as a USB recognition unit and various sensor units, in addition to the above-described functional units. It may also include.

On the other hand, from a software point of view, the home hub terminal 100 according to the preferred embodiment of the present invention is provided with an OS (operating system) on the hardware configuration of FIG. An application for the card payment service and an application for controlling each electronic device and / or electric device in the home may be installed in a hierarchical structure. In one embodiment, Android may be mounted as an OS, and accordingly, the home hub terminal 100 may be regarded as having a kind of smart phone without being portable because it is fixed at a predetermined position in the home.

That is, various content services through the mobile communication network 30 may be executed in the same manner as a smartphone. In addition, various software for controlling home electronic devices and / or electrical devices may be pre-installed in the home hub terminal 100, and may be additionally downloaded and installed or deleted through the Internet network 20 or PLC communication network. It is possible to, according to the user can configure their own home hub terminal according to the electronic and electrical equipment of each home.

A home hub terminal according to an embodiment of the present invention will now be described with reference to FIG. 4 is a functional block diagram of a home hub terminal, in which the home hub terminal 100 of the illustrated embodiment includes a PSTN telephone module 303, an IP telephone module 305, on a platform of hardware 301 and an OS 302; The banking module 307, the card payment module 309, a user interface 311, a transceiver 313, and a controller 315 may be included.

The PSTN telephony module 303 is a module that allows the home hub terminal 100 to function as a general landline telephone through the PSTN network, and the IP telephony module 305 functions as the home hub terminal 100 as an internet telephone through the Internet network. This module allows you to: IP telephony module 305 may also include a text messaging service (SMS) function.

The banking module 307 is a module for allowing the home hub terminal 100 to perform a banking function, and the bank server 600 through the PSTN network 10, the Internet network 20, or the mobile communication network 30. Through the banking module 307 connected to the user can perform various banking operations, such as account inquiry and bank transfer.

The card payment module 309 is a module that allows the home hub terminal 100 to perform a card payment function. The card payment module 309 allows a user to make a card payment. For example, the card payment module 309 may be implemented by a camera 109, an image processing unit 107, a card recognition unit 125, a receipt printing unit 123, and the like.

The user interface 311 exchanges information with a user and may be implemented by, for example, a keypad 101, a display 103, a handset 109, a microphone, a speaker, and the like in FIG.

The transceiver 313 serves to transmit and receive data through the PSTN network and the Internet network, and may be implemented by the PSTN interface unit 111 and the IP interface unit 113 of FIG. 2.

The control unit 315 communicates with the PSTN telephony module 303 and the IP telephony module 305, respectively, and the modules do not collide with each other in one device called the home hub terminal 100 according to a user input or a predetermined routine. Control to work smoothly.

For example, when receiving an outgoing call of a PSTN network telephone and an outgoing call of an IP network telephone, the controller 315 forms a telephone call channel in response to one outgoing call according to a user's selection. The rest of the outgoing outgoing calls can be controlled to send a hold message.

In addition, for example, when a PSTN network telephone is in a call and receives an outgoing call of the IP network telephone, the control unit 315 notifies the user of the call of the IP network telephone through the display 103 or the speaker and inputs a user input thereto. According to the present invention, the PSTN network phone can be terminated and the IP network phone channel can be established, or the PSTN network phone channel can be maintained and the hold message can be sent for the IP network phone.

In addition, the control unit 315 communicates with the banking module 307, the card payment module 309, the bank server 600 or the card company through the PSTN network 10, the Internet network 20 or the mobile communication network 30 Communicating with the server 700, so that the banking or card payment service is performed.

For example, when the banking program is used, the controller 315 may request an account inquiry from the bank server 600 and display the account inquiry information transmitted from the bank server 600 on the display 103. Transfer the bank transfer request of the business module 307 to the bank server 600, so that the bank transfer is made in the bank server 600.

In addition, the controller 315 receives card information from the card recognition unit 125 when the card settlement service program is used, and the authentication shot (still image) data of the card user obtained from the camera 109 is transferred from the image processing unit 107. When received, the bank server 600 or the card company server 700, the card payment request and delivers the payment information including the card information and the authentication shot data, and the card payment from the bank server 600 or card company server 700 If approved, the receipt printing unit 123 prints and issues the receipt A including the authentication shot (B).

Typically, the cash card is issued by the bank, the check card or credit card is issued by the card company, the control unit 315, if the card recognized by the card recognition unit 125 is a cash card, the card to the bank server 600 If the payment request, check card or credit card, it can be delivered to the card company server 700.

According to an embodiment, the home hub terminal 100 may further include other blocks in addition to the functional blocks shown in FIG. 4. When the home hub terminal 100 is used as a home automation terminal by controlling each device by communicating with home electronic devices and / or electric devices, a plurality of functional units communicating with and controlling each device in the home may be further included in FIG. 4. As a result, the role of the controller 315 may be further expanded.

5 to 7, a phone function and a card payment function of the home hub terminal 100 according to an embodiment of the present invention will be described.

FIG. 5 is a flowchart of initiating a PSTN network telephone call in a home hub terminal according to an embodiment of the present invention. FIG. 5 is a flowchart illustrating a process of simultaneously receiving a PSTN network telephone and an IP network telephone by the home hub terminal 100. .

Referring to FIG. 5, a user first determines whether to use a PSTN network phone or an IP network phone of the home hub terminal 100. FIG. In one embodiment, there is a selection button on the keypad 101 of the home hub terminal 100 so that the user can select one of the PSTN network and the IP network by operating the button. In alternative embodiments, a select button icon is displayed on the display 103 and the user may select by touching the icon. Select to use the PSTN network telephone by any of the above methods (step S401), and enter a phone number of the other party (recipient) by pressing the keypad 101 or touching the display 103 to request a call. By doing so, a telephone call is started (step S403).

Thereafter, while making a phone call through the PSTN network with the other party, a situation may occur in which a third party requests an outgoing call for the phone call through the IP network (step S405). When the home hub terminal 100 receives an outgoing call through the IP network, the home hub terminal 100 may display call information such as a caller's telephone number on the display 103 and at the same time, notify the user whether the call is made through the speaker of the handset 113. It may be possible (step S407).

Then, the user judges whether or not to receive the IP network telephone call in step S409, and if the user decides to answer the IP network telephone call, terminates the PSTN network telephone call (step S411) and immediately starts the IP network telephone call (step S413). ). The termination of the PSTN network telephone call or the initiation of the IP network telephone call can be performed by pressing a specific dedicated button on the keypad 101, and starting or ending a telephone call by touching a specific icon on the display 103. Can be done by other means.

If the user decides not to answer the IP network telephone in step S409, the user can send a hold message to the caller of the IP network telephone (step S415). Here, the transmission of the hold message may also be performed by pressing a specific button of the keypad 101 or touching a specific icon of the display 103 or may be set to be performed by other methods. In one embodiment, the hold message may be a content of 'a caller cannot receive a call because the receiver is on a phone call', and in an alternative embodiment, a hold message may be requested to record a message to be left in the voice mailbox.

However, the user of the home hub terminal 100 may terminate the PSTN network phone call while the IP network caller has not yet hung up the call. In consideration of such a situation, when the user ends the PSTN network telephone call (step S417), the home hub terminal 100 calls the IP network telephone call to the user if there is still an outgoing call of the telephone call that has been made to the IP network during the PSTN network telephone call. If the user wants to answer the IP network call, the user can initiate an IP network phone call by pressing a predetermined button or touching an icon (step S413).

Through the method described above with reference to FIG. 5, the home hub terminal 100 of the present invention may respond to an IP network telephone request that is received during a PSTN network telephone call. This method is similarly applied to a case where a PSTN network telephone call is received while an IP network telephone call is in progress. In this case, the PSTN and the IP may be changed in FIG.

In addition, although not shown in the drawings, it can be assumed that a PSTN network telephone and an IP network telephone are almost simultaneously received. That is, the outgoing call of the PSTN network phone and the outgoing call of the IP network phone may be simultaneously received at intervals of several seconds. In contrast, the home hub terminal 100 of the present invention may have a separate selection button or display 103 on the keypad 101. Icon), the user can first receive one of the outgoing calls of the PSTN network phone and the IP network phone by selecting the corresponding button or icon to initiate a phone call, and for the remaining outgoing calls that are not selected, Processing may be performed as in steps S415 to S419 of FIG. 5.

Now, with reference to FIG. 6, the card business payment function of the function that can be provided by the home hub terminal 100 will be described. 6 is a flow chart of credit card payment through a home hub terminal according to an embodiment of the present invention.

First, a user connects to a bank server 600 or a card company server 700 that provides a credit card payment program through a PSTN network 10, an Internet network 20, or a mobile communication network 30. This process is similar to using the smartphone or personal computer to browse the Internet. Thereafter, the card payment service program is downloaded and installed in the home hub terminal 100. In an alternative embodiment, if the program is already stored in the memory 105 of the home hub terminal 100, the program may be installed or executed immediately. According to a preferred embodiment of the present invention, the card payment program can be registered to one of the plurality of buttons of the keypad 101.

As such, when the user makes contact with the card recognition unit 125 or brings the card recognition unit 125 close to or near the card payment program is executed, the card recognition unit 125 reads the card information and controls the card. It transmits to 119 (S501).

Next, the camera 109 captures the authentication shot of the card user, and transfers the captured authentication shot data to the control unit 119 via the image processing unit 107 (S502).

The controller 119 requests the card payment to the bank server 600 or the card company server 700 (S503), and sends the payment information including the card information and the authentication shot data to the bank server 600 or the card company server 700. Transfer (S504).

On the other hand, the bank server 600 or the card company server 700 compares the authentication shot data included in the payment information with the authentication photo data of the customer stored when issuing the card, and if it is determined to be the same person, approves the card payment, and will not If so, generate an error message.

The controller 119 determines whether the payment is approved or disapproved from the bank server 600 or the card company server 700 (S505). Specifically, when the card payment approval information is received in the control unit 119, the control unit 119 through the receipt printing unit 123, as shown in Figure 7, a receipt (A) containing the authentication shot (B) of the card user By printing and issuing, payment is completed (S506).

On the other hand, if an error occurrence message is received in the control unit 119, the error occurrence message is displayed on the display 103 (S507).

By the home hub terminal 100 of the present invention as described above, a user can arbitrarily select a PSTN network or an IP network to make a telephone call, and can also use a financial service and a card payment service service. In the case of the card payment service function, the user takes a shot of the card user and sends the payment information along with the card information to the bank server 600 or the card company server 700, and the bank server 600 or the card company server 700. When the card is approved, a receipt containing the authentication shot of the card user is printed and issued, thus reducing the problem that the payment is approved through a counterfeit sign even with a lost or stolen card as in the prior art, thus helping to prevent crime. .

Since the home hub terminal 100 can communicate with and control each electronic device and electric device in the home, the home hub terminal 100, the PSTN phone terminal, the Internet phone terminal, etc. of the home automation system in the home may be one of the home hub terminals 100 of the present invention. There is an advantage to replace.

As described above, the home hub terminal according to the exemplary embodiment of the present invention has been described with reference to the drawings. However, the present invention is not limited to the above-described specific configuration or embodiment, and may include all terminal systems having the above technical concept. Various modifications can be made by those skilled in the art without departing from the spirit of the invention, and such modifications are within the scope of the claims set forth below.

10: PSTN network 20: Internet network
30: mobile communication network 100: home hub terminal
101: keypad 103: display
105: memory 107: image processing unit
Camera 111: Voice Processing Unit
113: handset 123: receipt printing unit
125: card recognition unit 127: control unit
200: program server 300: PSTN telephone terminal
400: IP telephone terminal 500: mobile telephone terminal
600: bank server 700: card company server

Claims (7)

In a telephone terminal capable of a voice call or a video call,
A PSTN telephone module capable of establishing a telephone call channel through a public telephone network (PSTN network);
An IP telephone module capable of forming a telephone call channel through an internet network (IP network);
A card payment module for recognizing card information from a check card, a cash card or a credit card, obtaining authentication shot data of a card user, and issuing a receipt including the authentication shot data; And,
A control unit for controlling the PSTN telephone module, the IP telephone module, and the card payment module;
The control unit,
The PSTN telephone module and the IP telephone module are controlled according to a user input or a predetermined routine, so that when the telephone terminal receives the outgoing call of the PSTN network telephone and the outgoing call of the IP network telephone at the same time, one according to the user's selection Establish a phone call channel in response to an outgoing call in, send a hold message to the caller of the remaining unselected outgoing calls,
And transmits the card information and the authentication shot data received from the card payment module to a bank server or a card company server, and controls the card payment module to issue the receipt upon approval of the bank server or the card company server. Phone handset.
The method of claim 1,
And a financial service module connected to the bank server or the card company server to perform financial business functions such as account inquiry and account transfer.
The method of claim 1, wherein the control unit,
If one of the PSTN network phone and the IP network phone (the first phone) is busy and receives an outgoing call of the other phone (the second phone), the user is informed of the reception of the outgoing call of the second phone. Notify and terminate the call of the first phone and establish a call channel of the second phone according to a user input thereto or maintain the call channel of the first phone and send a hold message to the caller of the second phone. And a function of controlling to transmit.
In the home hub terminal,
A keypad for entering numbers and letters;
A display for displaying information to a user;
A storage medium storing a public telephone network (PSTN network) telephone telephone program, an internet network (IP network) telephone program, a financial business program, and a card payment business program;
An image processor for image processing an authentication shot of a card user acquired from a camera;
A voice processing unit for performing analog / digital conversion on voice data;
PSTN interface unit for connecting to the PSTN network;
An IP interface unit for connecting to the Internet network; And
A receipt printing unit for printing and issuing a receipt according to a card payment;
A card recognition unit for recognizing a cash card, check card or credit card;
A control unit;
The home hub terminal has a telephone call function through a PSTN network and a telephone call function through an Internet network.
When the home hub terminal performs a card payment service function, the controller may display card information recognized by the card recognition unit and an authentication shot of the card user obtained from the image processor through the PSTN interface unit or the IP interface unit. The home hub terminal characterized in that the transfer to the bank server or card company server, and controls the receipt printing unit so that the receipt containing the authentication shot can be printed when the bank server or the card company server is approved.
The method of claim 4, wherein the home hub terminal comprises a wireless communication unit for wirelessly communicating with at least one electronic device or at least one electric device, or at least one electronic device or at least one electric device with a power communication network (PLC network). Home hub terminal further comprises at least one of the PLC communication unit for.
The method of claim 5, wherein the control unit,
If one of the PSTN network phone and the IP network phone (the first phone) is busy and receives an outgoing call of the other phone (the second phone), the user is informed of the reception of the outgoing call of the second phone. Notify and control to terminate the call of the first phone and form a call channel of the second phone according to a user input thereto, or to maintain the call channel of the first phone and to hold the caller of the second phone The home hub terminal further comprises a function of controlling to transmit.
The keypad of claim 6, wherein the keypad further comprises one or more buttons,
And registering the financial business program or the card payment business program to the button, wherein the registered program of the financial business program or the card payment business program is executed when the button is pressed.

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