KR20100013373A

KR20100013373A - System and method for account linkage settlement by using voip devices and recording medium

Info

Publication number: KR20100013373A
Application number: KR1020080074870A
Authority: KR
Inventors: 정종필; 최수진
Original assignee: 주식회사 신한은행
Priority date: 2008-07-31
Filing date: 2008-07-31
Publication date: 2010-02-10

Abstract

PURPOSE: An account association payment method using a VoIP terminal, a system therefor and a recording medium thereof are provided to identify the VoIP terminal as a virtual CD/ATM(Cash Dispenser/Automatic Teller Machine), thereby processing payment of purchase money at lost costs through a client account connected to card information. CONSTITUTION: If authentication information is inputted through a virtual financial terminal authentication interface, a VoIP(Voice over Internet Protocol) terminal confirms virtual financial terminal information from a security module(605,610). The VoIP terminal transmits the virtual financial terminal information to a financial company server through a security communication channel(620). The financial company server checks virtual financial terminal validity of the VoIP terminal through the virtual financial terminal information(625). The financial company server transmits virtual financial terminal authentication information to the VoIP terminal through the security communication channel(645).

Description

System and Method for Account Linkage Settlement by Using VoIP Devices and Recording Medium}

1 is a diagram illustrating a VoIP subscription system for providing virtual CD / ATM-based non-face-to-face financial transactions for product payment according to an embodiment of the present invention.

2 is a diagram illustrating a VoIP subscription process for providing a virtual CD / ATM based non-face-to-face financial transaction according to an embodiment of the present invention.

3 is a diagram illustrating a functional configuration of a VoIP terminal having a virtual CD / ATM based product payment function through VoIP according to an embodiment of the present invention.

4 is a diagram illustrating a virtual CD / ATM based financial transaction / product settlement system through VoIP according to an embodiment of the present invention.

5 is a diagram illustrating a process of connecting a secure communication channel between a VoIP terminal and a financial institution server according to an embodiment of the present invention.

6 is a diagram illustrating a process of processing a VoIP terminal to be recognized as a virtual financial terminal according to an embodiment of the present invention.

7 is a diagram illustrating a process of deactivating a VoIP communication function of a VoIP terminal according to an embodiment of the present invention.

8 is a diagram illustrating a virtual CD / ATM screen output process for payment of goods through a VoIP terminal according to an embodiment of the present invention.

9 is a diagram illustrating a card information reading process for payment through a VoIP terminal according to an embodiment of the present invention.

10 is a diagram illustrating a card information transmission process for payment through a VoIP terminal according to an embodiment of the present invention.

11 is a diagram illustrating a product payment process through the VoIP terminal according to an embodiment of the present invention.

12 is a diagram illustrating a product payment process through a VoIP terminal according to another embodiment of the present invention.

400: communication relay server 405: interface unit

410: information receiving unit 415: information checking unit

420: information transmission unit 425: communication relay unit

430: virtual financial terminal D / B 435: financial company server

440: communication channel operation unit 445: virtual financial terminal information receiver

450: terminal authentication unit 453: professional receiving unit

455: financial transaction processing unit 460: professional transmission unit

463: payment relay server 465: communication channel connection

470: card information receiver 473: payment information receiver

475: payment request information confirmation unit 480: card information confirmation unit

483: account verification unit 485: payment method confirmation unit

487: payment processing unit 490: seller server

495 storage medium 496 Bansa server

497: card company server 498: VoIP terminal

The present invention provides payment identification information-including one or more customer identification number, order number, VoIP terminal information-from the seller server and payment amount information and payment target information by one or more payment method types-merchant information for card payment, or bank transfer payment Receiving payment information including at least one seller account information for receiving; receiving payment identification information and card information read through the card reader from a VoIP terminal having a card reader; Checking the card information, payment amount information, payment target information for each type of payment method matched through, and the confirmed card information is a financial company that the customer account is opened (or recognized the VoIP terminal as a virtual financial terminal) Determining whether the card is issued by the financial institution (or affiliated company), and the card information is issued by the financial institution (or affiliated company). If it is verified, the storage device stores the VoIP terminal information recognized as a virtual financial terminal and customer account information, including one or more real account information, virtual account information, and online account information for providing a non-real name transaction. Confirming the customer account information associated with the VoIP terminal information that transmitted the card information and the full account transfer transaction including the confirmed customer account information, payment amount information, payment target information for each payment method type for account transfer payment It relates to an account linked payment method using a VoIP terminal comprising the step of generating and processing to be approved for payment through the financial institution server, the customer account opened.

With the continuous development of information and communication technology, each financial institution has been using non-face-to-face financial transaction channels through the financial transaction terminal through CD / ATM (Cash Dispenser / Automatic Teller Machine), telebanking, internet banking, and wireless application protocol (WAP) based wireless. It provides various types of non-face-to-face financial transaction channels using customer terminals such as banking and wireless banking based on integrated circuit (IC) chips.

The non-face-to-face financial transaction channel through the CD / ATM of the non-face-to-face financial transaction channel is carried by the customer through a card reader provided in the financial transaction terminal directly managed and operated by each financial institution (or an authorized affiliated company). It is characterized in that it provides a non-face-to-face financial transaction channel using the card information read from the customer card that is present as an authentication means (for example, terminal authentication for the CD / ATM and whether the customer card possession).

In addition, the tele-banking and WAP-based wireless banking of the non-face-to-face financial transaction channel, the characteristics of the communication network that the customer terminal uses a circuit-switched communication network difficult to intervene third-party intervention, and each communication company authenticates the validity of the terminal The non-face-to-face financial transaction channel is provided by using the subscriber authentication characteristic as an authentication means, and the Internet banking uses a non-faceted financial transaction by using an accredited certificate provided to a client terminal connected to an open network through which third party intervention is possible. Characterized by providing a face-to-face financial transaction channel, the IC chip-based wireless banking is characterized by providing a non-face-to-face financial transaction channel using the IC chip as an authentication means.

Recently, VoIP services have been commercialized, including the characteristics of subscriber authentication through carriers, such as telebanking and WAP-based wireless banking, and connected to an open network capable of third-party intervention.

However, the VoIP is difficult to provide a non-face-to-face financial transaction channel such as the telebanking and WAP-based wireless banking because it does not use a circuit-switching scheme, which has subscriber authentication characteristics through the telecommunications company, but the third party intervention is difficult. In order to solve the problem of the open network that can be intervened by the third party, in order to use the certificate as a means of authentication, there is a problem that involves complicated procedures such as inconvenient key input of numeric keys and issuance of a separate certificate. It is included.

An object of the present invention for solving the above problems, VoIP terminal information and customer account information that is recognized as a virtual financial terminal-including at least one real account information, virtual account information, online account information for providing non-real name transactions- A storage medium that stores and associates the payment information from the seller server, including one or more payment identification information-customer number, order number, and VoIP terminal information-and payment amount information and payment target information by one or more payment method types-merchant for card payment Information receiving means for receiving payment information including at least one information or seller account information for account transfer payment, receiving payment identification information and card information from a VoIP terminal, and card information matching through the payment identification information. Information on the payment amount information, the payment target information for each payment method type, and the confirmed card information is the customer Card information checking means for checking whether an account is issued by a bank (or a partner of the bank) that has opened an account (or recognizes the VoIP terminal as a virtual bank terminal), and the card information is the bank (or a bank affiliate of the bank). Is confirmed by the card information issued by the), the account confirmation means for confirming the customer account information associated with the VoIP terminal information that transmitted the card information from the storage medium, the confirmed customer account information, payment amount information, account transfer Provides an account linked payment system using a VoIP terminal that includes a payment processing means for generating a bank transfer transaction containing payment target information for each payment method for payment and processing the payment to be approved through a financial institution server where a customer account is opened. Is in.

Account linked payment method using the VoIP terminal according to the present invention, payment identification information from the seller server-including at least one customer number, order number, VoIP terminal information-payment amount information and one or more payment target information by type of payment- Receiving payment information including at least one merchant information for card payment or seller account information for bank transfer payment; and a card read through payment identification information and a card reader from a VoIP terminal having a card reader. Receiving information, confirming matching card information, payment amount information, and payment target information for each payment method type through the payment identification information, and wherein the confirmed card information is opened with the customer account (or the Determining whether the card is issued by a financial company (or an affiliate of the financial company) that recognizes the VoIP terminal as a virtual financial terminal; When the information is confirmed by the card issued by the financial company (or affiliated company), the VoIP terminal information and the customer account information-the real account information of the customer's name, the virtual account information, and the online account information that provides the non-real name transaction are recognized as the virtual financial terminal. Confirming the customer account information associated with the VoIP terminal information transmitting the card information from a storage medium that stores one or more including-related information and the confirmed customer account information, payment amount information, and payment means for account transfer; It characterized in that it comprises the step of generating a bank transfer transaction containing the payment target information for each type to be approved for payment through the financial company server opened the customer account.

In addition, if the card information is not confirmed as a card issued by the financial company (or affiliated company), confirming the payment means type corresponding to the confirmed card information and if the confirmed payment means type is the card payment means, Generate a payment approval request message including card information, payment amount information, payment target information for each payment method type for card payment, and process the payment approval through a card company server corresponding to the card information. If is a bank transfer payment means, to generate a full account transfer transaction including the card information, payment amount information, payment target information for each type of payment means for account transfer payment to be approved by the financial company server corresponding to the card information Characterized in that it comprises a step of processing.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-described account interlock payment method using the VoIP terminal.

Account linked payment system using a VoIP terminal according to the present invention, at least one VoIP terminal information and customer account information-the real account information of the customer name, virtual account information, non-real name transactions that are recognized as a virtual financial terminal The storage medium, which is stored in association with the storage system, and the payment server identification information-including at least one customer identification number, order number, and VoIP terminal information-from the seller server, the payment amount information, and the payment target information by one or more payment method types-card payment. Receiving payment information including at least one merchant information, or merchant account information for bank transfer payment, information receiving means for receiving payment identification information and card information from the VoIP terminal, and matching through the payment identification information Information verification means for confirming card information, payment amount information, payment target information for each payment method type, and the confirmed card information Card information checking means for checking whether the customer account is issued by a financial company (or an affiliate of the financial company) in which the customer account is opened (or the VoIP terminal is recognized as a virtual financial terminal), and the card information is the financial company (or the Account confirmation means for confirming the customer account information associated with the VoIP terminal information transmitting the card information from the storage medium, the confirmed customer account information, payment amount information In addition, the payment processing means for generating a bank transfer transaction that includes the payment target information for each payment means for the account transfer payment processing to be approved for payment through the financial institution server opened the customer account, characterized in that it comprises a.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. In other words, each means constituting the present invention is a server (or terminal) provided on the system shown in the following embodiments, or a predetermined functional configuration provided in at least one or more servers (or terminals), or at least It may be an association of at least two or more functional components provided in one or more servers (or terminals). In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

In more detail, Figure 1 is a Voice over Internet Protocol (VoIP) or Internet telephone subscription customer provided with a key input means, a screen output means and a card reader, a virtual financial terminal (eg, CD (Cash Dispenser) through the card reader Purchase (or receive) a VoIP terminal 150 having a security module for controlling non-face-to-face financial transactions using the ATM (including at least one automatic teller machine) function, and for the VoIP terminal 150 In the VoIP subscription process, if the subscription processing terminal 145 provides the VoIP subscription information including at least one of customer information, VoIP terminal 150 information, and security module information to the VoIP system through a communication network, the VoIP system in the VoIP system The subscription information is stored in the virtual financial terminal D / B 135 provided on the VoIP system, and the virtual financial terminal activation information for the security module corresponding to the security module information is generated to generate the VoI. After providing to the P terminal 150, by further linking the virtual financial terminal activation information to the virtual financial terminal D / B 135, and stored in the virtual financial terminal D / B 135, the VoIP terminal 150 The present invention relates to a VoIP subscription system for processing CD / ATM-based non-face-to-face financial transactions through c), and those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods may be inferred for the configuration of a VoIP subscription system for providing virtual CD / ATM-based non-face-to-face financial transactions for product payment. However, the present invention includes all the implementation methods inferred above, and is shown in FIG. It is not limited only to the implemented method.

Hereinafter, the VoIP subscription information provided from the subscription processing terminal 145 is stored in the virtual financial terminal D / B 135 on the VoIP subscription information registration system shown in FIG. 1, and the security corresponding to the security module information. After generating the virtual financial terminal activation information for the module to provide to the VoIP terminal 150 to the VoIP terminal 150, the virtual financial terminal D / B (135) by further connecting the virtual financial terminal activation information to the At least one or more means for storing in the virtual financial terminal D / B 135, or components corresponding to the functional configuration, are referred to as " VoIP subscription server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a VoIP subscription system for providing a virtual CD / ATM-based non-face-to-face financial transaction for product payment according to the present invention includes at least one subscription processing terminal 145 connected to a communication network. And store the VoIP subscription information including at least one of the customer information transmitted from the subscription processing terminal 145, the VoIP terminal 150 information, and the security module information, and store the virtual information about the security module corresponding to the security module information. The virtual financial terminal D / B 135 for further linking and storing financial terminal activation information, and the subscription processing terminal 145 are connected through a communication network and receive VoIP subscription information transmitted through the communication network to receive the virtual finance. Store in the terminal D / B (135), and further linked to the virtual financial terminal activation information for the security module corresponding to the security module information to store in the virtual financial terminal D / B (135) The VoIP subscription server 100 is characterized in that comprises a.

The subscription processing terminal 145 is a wired communication network based on TCP / IP (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL), or cable communication network). A mobile communication terminal comprising at least one wired terminal including a desktop computer or a laptop connected to the VoIP subscription server 100 through a communication or connected to a code division multiple access (CDMA) based mobile communication network, or A wireless communication terminal connected to an HSDPA (High Speed Downlink Packet Access) based wireless communication network, a portable Internet terminal connected to an IEEE 802.16x based high speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN network. Characterized in that it comprises at least one or more wireless terminals including at least one or more.

According to the embodiment of the present invention, the subscription processing terminal 145 inputs (or at least one VoIP subscription information including at least one customer information, VoIP terminal 150 information and security module information from the VoIP subscription server 100) (or Receiving and outputting at least one interface screen, and inputting (or selecting) VoIP subscription information including at least one of customer information, VoIP terminal 150 information, and security module information through the interface screen. It is preferable that a function configuration (eg, a browser program and a communication function) for transmitting to the VoIP subscription server 100 is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the subscription processing terminal 145 corresponding to at least one wired terminal or a wireless terminal, and thus the detailed description thereof is provided for convenience. Omit.

When the subscription processing terminal 145 is a wired terminal according to an embodiment of the present invention, the communication network includes the TCP / IP based wired communication network, and when the subscription processing terminal 145 is a wireless terminal, Preferably, the communication network includes at least one CDMA-based (or HSDPA-based) mobile communication network, IEEE 802.16x-based high-speed wireless Internet, or IEEE 802.11x-based wireless LAN communication network.

The virtual financial terminal D / B 135 provided on the VoIP system for the VoIP subscription providing the virtual CD / ATM-based non-face-to-face financial transaction for product payment is the customer information transmitted from the subscription processing terminal 145. And stores VoIP subscription information including at least one VoIP terminal 150 information and security module information, and further stores the virtual financial terminal activation information for the security module corresponding to the security module information. .

Here, the customer information is the personal information (or subscriber information) of the customer who purchases (or receives) the VoIP terminal 150 provided with the card reader and the security module, and requests the VoIP subscription to the VoIP terminal 150. It is preferable to comprise).

The VoIP terminal 150 information is identification information assigned to the VoIP terminal 150 by a VoIP provider to identify the VoIP terminal 150 that is requested to be subscribed among the plurality of VoIP terminals 150. Preferably, the VoIP terminal 150 includes a telephone number, and according to the intention of a person skilled in the art, other identification information other than the VoIP terminal 150 telephone number (for example, an ESN or serial number, or an IP address, the VoIP terminal 150). Virtual financial terminal identification information, etc. assigned to the security module of)).

The security module information is information for identifying a security module provided in the VoIP terminal 150, and preferably includes one or more of the security module identification code, serial number, authentication number, and the like.

The virtual financial terminal activation information is activated by the security module provided in the VoIP terminal 150 and the VoIP terminal 150 is recognized as a virtual financial terminal (for example, CD / ATM (Cash Dispenser / Automatic Teller Machine)) and Information to be processed to operate, including one or more verification (or authenticator) information, authentication key information (or information for generating an authentication key), authentication number, etc. that are read (or authenticated) by the security module It is preferable.

According to another exemplary embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through a random number, it is omitted that the virtual financial terminal activation information is stored in the virtual financial terminal D / B 135. As such, the present invention is not limited thereto.

According to an embodiment of the present invention, the VoIP subscription server 100 establishes a communication channel with the subscription processing terminal 145 through the communication network to provide a web interface corresponding to the communication network with the subscription processing terminal 145. It is characterized in that it comprises an interface unit 105 for connecting and managing, whereby the VoIP subscription server 100 is connected to the subscription processing terminal 145 and a wired communication network, or a wireless communication network of a web server connected through a wireless communication network. With functions.

According to an embodiment of the present invention, when the subscription processing terminal 145 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 105 is connected to the subscription processing terminal 145. Connect a communication channel based on HTTP (Hyper-Text Transfer Protocol) protocol, and transmit and output an interface screen in the form of a document compatible with HTML (Hyper-Text Markup Language) to the subscription processing terminal 145 through the communication channel. It is preferable to perform a function of receiving and processing VoIP subscription information input (or selected) through the interface screen from the subscription processing terminal 145.

According to another exemplary embodiment of the present invention, when the subscription processing terminal 145 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 105 is connected to the subscription processing terminal 145 and the WAP. (Wireless Application Protocol) or ME (Mobile Explorer) protocol to connect a communication channel, the interface screen in the form of WML (Wireless Markup Language) or HTML compatible document to the subscription processing terminal 145 through the communication channel It is preferable to perform the function of transmitting and outputting the data, and receiving and processing VoIP subscription information corresponding to the interface screen from the subscription processing terminal 145.

According to another exemplary embodiment of the present invention, when the subscription processing terminal 145 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 is the subscription processing terminal 145. ) And a communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmits and outputs an interface screen to the subscription processing terminal 145 through the communication channel, from the subscription processing terminal 145. It is preferable to perform a function of receiving and processing VoIP subscription information corresponding to the interface screen, or when the subscription processing terminal 145 is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network, The interface unit 105 connects a communication channel with the subscription processing terminal 145 based on a wireless protocol corresponding to the IEEE 802.11x standard. To transfer the board through the interface screen to the join processing terminal 145 to the output, and performs processing from the subscriber terminal 145, a function of receiving the VoIP processing subscription information corresponding to the interface screen are preferred.

Referring to FIG. 1, the VoIP subscription server 100 connects the VoIP subscription server 100 to the VoIP subscription server 100 through the interface unit 105 to request VoIP registration information registration. In connection with 105, the subscription processing terminal 145 generates (or selects) an interface screen for inputting (or selecting) and transmitting VoIP subscription information including at least one of customer information, VoIP terminal 150 information, and security module information. Receives (or extracts) the VoIP subscription information inputted (or selected) through the interface screen from the interface providing unit 110 and the interface processing unit 105 and the interface processing unit 105 through the interface screen. And an information storage unit 125 for storing the received VoIP subscription information in the virtual financial terminal D / B 135.

The interface providing unit 110, when the subscription processing terminal 145 is connected to the VoIP subscription server 100 through the interface unit 105, the functional configuration (eg, subscription) provided in the subscription processing terminal 145 In response to the browser program included in the processing terminal 145, the user can input (or select) VoIP subscription information to generate an interface screen for transmitting to the VoIP subscription server 100 through the communication network, or a database (not shown). And the interface screen generated in conjunction with the interface unit 105 is provided to the subscription processing terminal 145 through the communication network.

Subsequently, the subscription processing terminal 145 inputs (or selects) the VoIP subscription information including at least one of customer information, VoIP terminal 150 information, and security module information based on the interface screen. When it is confirmed that the information is input (or selected), the subscription processing terminal 145 transmits the input (or selected) VoIP subscription information to the VoIP subscription server 100 through the communication network.

Those skilled in the art to which the present invention pertains, the customer information and the VoIP terminal 150 information and at least one form form included in the interface screen in the subscription processing terminal 145 and The VoIP subscription server 100 includes technical features for inputting (or selecting) VoIP subscription information including at least one security module information, and the VoIP subscription information input (or selected) through a communication protocol provided by the communication network. Since you will be familiar with the technical features to transmit to, a detailed description thereof will be omitted for convenience.

The information receiving unit 115 inputs (or selects) the VoIP subscription information through the interface screen at the subscription processing terminal 145 and transmits the information through the communication network. The VoIP subscription information is interworked with the interface unit 105. And receiving the received VoIP subscription information to the information storage unit 125.

The information storage unit 125 is a virtual financial terminal D / B for VoIP entry information including at least one or more of the customer information, VoIP terminal 150 information and security module information received through the information receiving unit 115 And to store at 135.

Referring to FIG. 1, the VoIP subscription server 100 includes an information generation unit 120 for generating virtual financial terminal activation information for a security module corresponding to the security module information, and the generated virtual financial terminal activation information. It is provided with an information transmitting unit 130 for transmitting to the VoIP terminal 150 and the information storage unit 125 for further storing the virtual financial terminal activation information in association with the virtual financial terminal D / B (135) It is characterized by.

When the VoIP subscription information including at least one of the customer information, the VoIP terminal 150 information, and the security module information is received through the information receiver 115, the information generator 120 is included in the VoIP subscription information. Based on the security module information, the virtual financial terminal activation information for the security module provided in the VoIP terminal 150 is generated.

Herein, the virtual financial terminal activation information is information for processing the VoIP terminal 150 to operate as a virtual financial terminal (eg, CD / ATM) by activating a security module provided in the VoIP terminal 150. It is preferable to include one or more verifier (or authenticator) information, authentication key information (or information for generating an authentication key), authentication number, and the like, which are read (or authenticated) by the security module.

According to another embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through random numbers, generating the virtual financial terminal activation information may be omitted, and the present invention is not limited thereto. .

When the virtual financial terminal activation information is generated by the information generator 120, the information transmitter 130 transmits the virtual financial terminal to the VoIP terminal 150 corresponding to the VoIP terminal 150 information through a communication network. By transmitting the activation information, when the non-face-to-face financial transaction in the VoIP terminal 150, the non-face-to-face financial transaction function of the security module is activated through the virtual financial terminal activation information.

According to another exemplary embodiment of the present invention, the information transmitter 130 corresponds to the VoIP terminal 150 corresponding to the VoIP terminal 150 information through the VoIP server 140 connected to the VoIP terminal 150 and the VoIP communication channel. By transmitting the virtual financial terminal activation information to), when the non-face-to-face financial transaction in the VoIP terminal 150, it is possible to process so that the non-face-to-face financial transaction function of the security module is activated through the virtual financial terminal activation information. The present invention is not limited thereby.

When the non-face-to-face financial transaction is performed in the VoIP terminal 150 in the VoIP terminal 150, when the non-face-to-face financial transaction function of the security module is processed through the virtual financial terminal activation information, the information storage unit 125 ) Stores the virtual financial terminal activation information in the virtual financial terminal D / B 135 in further connection with the VoIP subscription information.

2 is a diagram illustrating a VoIP subscription process for providing a virtual CD / ATM-based non-face-to-face financial transaction according to an embodiment of the present invention.

In more detail, FIG. 2 shows that the subscription processing terminal 145 on the VoIP subscription information registration system shown in FIG. 1 provides customer information, VoIP terminal 150 information, and security module information to the VoIP subscription server 100 through a communication network. When the VoIP subscription information including at least one is transmitted, the VoIP subscription server 100 stores the VoIP subscription information in the virtual financial terminal D / B 135, for the security module corresponding to the security module information After the virtual financial terminal activation information is generated and provided to the VoIP terminal 150, the virtual financial terminal D / B 135 is further connected with the virtual financial terminal activation information to the virtual financial terminal D / B 135. As a person having ordinary knowledge in the art to which the present invention pertains, the VoIP subscription process for providing the virtual CD / ATM-based non-face-to-face financial transaction by referring to and / or modifying FIG. For would be able to infer the various exemplary methods, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 2.

Hereinafter, in FIG. 2, the VoIP subscription server 100 on the VoIP subscription information registration system shown in FIG. 1 is referred to as " server " for convenience, and the subscription processing terminal 145 on the VoIP subscription information registration system shown in FIG. It is called "terminal" for convenience.

Referring to FIG. 2, a terminal on the VoIP subscription information registration system shown in FIG. 1 connects to the server through the communication network and connects a communication channel for VoIP subscription providing a virtual CD / ATM based non-face-to-face financial transaction. (200).

In the technical field to which the present invention pertains, the terminal connects to the server according to a communication protocol corresponding to the communication network through a browser program corresponding to the communication network, thereby providing the virtual CD / ATM based non-face-to-face finance. Since you will be familiar with the technical features of connecting a communication channel for a VoIP subscription providing a transaction, a detailed description thereof will be omitted for convenience.

As described above, when a communication channel for VoIP subscription providing a virtual CD / ATM-based non-face-to-face financial transaction is connected between the terminal and the server, the terminal connects to the server through the communication channel to the virtual CD / ATM-based non-face-to-face finance. Request an interface screen for VoIP subscription providing a transaction (205), and correspondingly, the server includes VoIP subscription information including at least one of the customer information, VoIP terminal 150 information, and security module information in the terminal. An interface screen including a user interface for inputting (or selecting) is generated (or extracted) (210), and the generated (or extracted) interface screen is transmitted to the terminal through the communication channel (215).

Thereafter, the terminal includes at least one VoIP subscription information including at least one of the customer information, the VoIP terminal 150 information, and the security module information through the user interface included in the interface screen for input (or selection) of the VoIP subscription information. Process 220 to input (or select).

If the VoIP subscription information is input (or selected) in the terminal (225), the terminal includes at least one of the customer information, VoIP terminal 150 information and security module information to the server through the communication channel. The VoIP subscription information is transmitted (230), and correspondingly, the server stores the received VoIP subscription information in the virtual financial device D / B 135 shown in FIG. 1 (235).

Thereafter, the server generates virtual financial terminal activation information for the security module provided in the VoIP terminal 150 based on the security module information included in the VoIP subscription information (240).

Here, the virtual financial terminal activation information is information for processing the VoIP terminal 150 to operate as a virtual financial terminal (for example, CD / ATM) by activating a security module provided in the VoIP terminal 150, Preferably, the security module includes one or more validator (or authenticator) information, authentication key information (or information for generating an authentication key), and an authentication number.

Thereafter, by transmitting the virtual financial terminal activation information to the VoIP terminal 150 corresponding to the VoIP terminal 150 information, the non-face-to-face financial transaction in the VoIP terminal 150, the virtual financial terminal activation information through the virtual terminal The non-face-to-face financial transaction function of the security module is processed to be activated (245).

If the VoIP terminal 150 is processed to activate the non-face-to-face financial transaction function of the security module through the virtual financial terminal activation information (250), the server adds the virtual financial terminal activation information to the VoIP subscription information. In operation 255, the virtual financial terminal D / B 135 stores the data in the virtual financial terminal D / B 135.

3 is a diagram illustrating a functional configuration of a VoIP terminal 300 having a virtual CD / ATM based product payment function through VoIP according to an embodiment of the present invention.

In more detail, FIG. 3 includes a key input means, a screen output means, and a card reader, and includes a virtual financial terminal (eg, a CD (Cash Dispenser) and at least one Automatic Teller Machine (ATM)) through the card reader. In the VoIP terminal 300 having a security module 340 for controlling a non-face-to-face financial transaction using a function, the virtual terminal via VoIP based on the card reader and key input means, screen output means and security module 340 The present invention relates to a method for providing a product payment function based on a CD / ATM-based financial transaction function. Those skilled in the art to which the present invention pertains may refer to and / or modify the present invention to modify the VoIP. In addition to the virtual CD / ATM-based product payment function through, various additional function configuration for the VoIP terminal 300 with various non-face-to-face financial transaction function can be further inferred, but the present invention is inferred Comprised, including the exemplary method, to which the technical feature that is not limited to the exemplary method shown in the figure 3.

Referring to FIG. 3, the VoIP terminal 300 for virtual CD / ATM-based product payment through VoIP basically includes a control unit 305, a memory unit 330, a card reader 310, a key input unit 320, and the like. It comprises a screen output unit 315, a sound processing unit 325, a security module 340 and a power supply unit 345 for supplying power to the VoIP terminal 300, the VoIP terminal 300 is connected Connect a VoIP communication channel with a gateway (or gatekeeper) through a communication network, or virtually via the VoIP with the financial company server 385 (or communication relay server 387) on the communication network connected to the VoIP terminal 300. Communication processing unit for connecting a communication channel for CD / ATM-based financial transactions, and connecting the communication company server (385) (or payment relay server 390) on the communication network and the communication channel for virtual CD / ATM-based product payment via VoIP (335), characterized in that the It is possible to further comprise at least one terminal function unit (not shown) according to the figure.

The control unit 305 controls the overall operation of the VoIP terminal 300 in the configuration of functions, manages the flow of information or data between each component, and performs a virtual CD / ATM-based financial transaction or product payment function through the VoIP. And interworking and controlling at least one component provided in the VoIP terminal 300, and executing at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware. Memory (eg, a register or a random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, and in addition, to perform a function specific to the VoIP terminal 300 in software. A predetermined program routine or program that is loaded from the recording medium of the recording medium into the execution memory and RAM data (hence, a program recorded in a recording medium provided in the VoIP terminal 300 for a virtual CD / ATM-based financial transaction or a product payment function through the VoIP, or provided in the VoIP terminal 300). Among the functional configuration, a component capable of being processed by software is shown in the control unit 305).

According to the exemplary embodiment of the present invention, the controller 305 outputs a screen (e.g., the memory unit 330, the card reader 310, the key input unit 320, and a screen) included in the VoIP terminal 300. The electronic payment service defined in the VoIP terminal 300 is provided by interworking the unit 315, the security module 340, the communication processing unit 335, or a terminal function unit (not shown) according to the intention of a person skilled in the art. To control and manage, as well as to control the components provided in the VoIP terminal 300 for mutual CD / ATM-based financial transactions or product payment via VoIP, or to control the virtual CD / via the VoIP It is preferable to execute a program recorded on a recording medium provided in the VoIP terminal 300 for ATM-based financial transactions or product settlement.

The memory unit 330 may input or output information when an operation by a predetermined program routine (or code) or program data (eg, a program routine (or code)) for controlling the overall operation of the VoIP terminal 300 is performed. General term for non-volatile memory for storing data, including at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EPEROM) or Flash Memory (FM) or Hard Disk Drive (HDD). And a predetermined program routine and program data (for example, data input or outputted to perform a predetermined function by the program routine) required for the control unit 305 to perform a predetermined control function. It is done.

According to the method of the present invention, the memory unit 330 is connected to the VoIP terminal 300 in the financial company server 385 (or communication relay server 387) for the virtual CD / ATM-based product payment through the VoIP It is preferable to store the security module 340 information for confirming the provided security module 340.

According to an embodiment of the present invention, the memory unit 330 reads card information (or account information) from the customer card through the card reader 310 for the virtual CD / ATM-based financial transaction through the VoIP. The card information reading interface information for outputting the card information reading interface in connection with the screen output unit 315, and the financial transaction item selection interface for selecting a financial transaction item through the key input unit 320. It is preferable to store the interface information including one or more financial transaction item selection interface information for output in association with the unit 315, the authentication information for processing the VoIP terminal 300 to be authenticated as a virtual financial terminal Virtual financial terminal authentication interface for outputting the input virtual financial terminal authentication interface in conjunction with the screen output unit 315 It further stores the device information is desirable.

In particular, the card information reading interface is a case where the customer card is an IC card having a PIN (Personal Identification Number) authentication function or a card password authentication function provided in the customer card is provided in the VoIP terminal 300. Preferably, the PIN card further comprises a PIN input interface for inputting PIN information (or card password) for the customer card.

According to an exemplary embodiment of the present invention, the memory unit 330 may include payment identification information including one or more customer number, order number, and VoIP terminal 300 information for virtual CD / ATM-based product settlement through the VoIP. It is preferable to store the payment identification information input interface information for outputting in connection with the screen output unit 315 the payment identification information input interface to input (or confirm).

Customers using the VoIP terminal 300, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, or based on the ISO / IEC 7816 standard contact IC card (or wireless IC chip), or ISO / Based on the IEC 14443 standard, it possesses (or owns) a card including at least one contactless IC card (or wireless IC chip), and the card reader 310 includes at least one information or data provided in the card. It provides an interface for reading the.

According to an embodiment of the present invention, the card reader unit 310 is an MS reader unit that provides an interface between the MS card and the VoIP terminal 300, or an interface between the contact IC card and the VoIP terminal 300. It comprises a contact IC reader unit for providing, or a contactless IC reader unit for providing an interface between the contactless IC card and the VoIP terminal 300.

The MS reader unit is a card reader unit 310 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data to the VoIP terminal 300 from at least one track (Track) provided in the MS of the MS card by using the loading.

The contact IC reader unit is a card reader unit 310 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the VoIP terminal (300).

The non-contact IC reader is a card reader 310 based on ISO / IEC 14443. At least one of the non-contact IC cards may be in electrical contact with a non-contact IC card by using capacitive coupling or inductive coupling. It includes an antenna, and supplies power to the IC chip of the IC card through the antenna, and transmits predetermined information or data from the IC chip through the half duplex transaction using APDU (VoIP terminal) 300).

According to an exemplary embodiment of the present invention, the card reader unit 310 may store card information (eg, a customer) from a customer card through the card reader unit 310 for virtual CD / ATM based financial transaction or product payment through the VoIP. It is preferable to read at least one of the cash card information, debit card information, check card information associated with the account, account information (eg, real account number, virtual account number, online account number) to electronic bank account information. Hereinafter, when the card information, the account information, or the electronic bank account information read through the card reader unit 310 is used for virtual CD / ATM-based product payment through the VoIP, the card information or account information, or Electronic bank account information is referred to as payment means information or collectively card information.

The key input unit 320 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Detects information (or signal) inputted from the device, and predetermined information from a predetermined key button provided in the key input device in a specific input mode or operation mode of the VoIP terminal 300 controlled by the controller 305. When (or a signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 305, and the controller 305 is Obtaining predetermined key data corresponding to the key event in the current input mode or operation mode of the VoIP terminal 300, or executing a predetermined function matched to the key event It is characterized by obtaining a command. The key input unit 320 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the VoIP terminal 300.

The key input device interoperating with the key input unit 320 may include a keypad device including at least one numeric key and a function key, or at least one numeric key and a letter key (for example, an English letter key or a Korean letter key) and a function. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to an embodiment of the present invention, the key input unit 320 is a virtual CD / ATM based financial transaction via the VoIP from at least one or more key input device for the virtual CD / ATM based financial transaction or product payment through the VoIP Or it is preferable to perform the function of the key input means for receiving at least one or more key data required in the product payment process.

According to an embodiment of the present invention, the key input device corresponding to the key input unit 320 may change the operation mode of the VoIP terminal 300 through the virtual CD / ATM through the VoIP in the initial mode, the voice call mode, or the data communication mode. It is preferable to have a hot key (Hot Key) for the base product payment.

The screen output unit 315 is a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 305 while the VoIP terminal 300 performs a predetermined function (for example, an electronic payment processing function). Outputting at least one or more information or data which are predefined or defined in real time to be output to a predetermined display output device including a) through a predefined interface screen, and the screen output unit 315 and the screen output Devices interoperate with each other to perform the function of the screen output means provided in the VoIP terminal 300.

The predefined information or data to be output from the VoIP terminal 300 to the screen output device may be provided by key data input through the key input unit 320 or a component included in the VoIP terminal 300. Information (or data) stored or generated, information (or data) transmitted and received through at least one communication processor 335, or information (or data) corresponding to a predetermined operation result performed by the VoIP terminal 300. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 315 is a virtual CD / ATM based financial transaction or the virtual CD / ATM based financial transaction via the VoIP to the screen output device for product payment or It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the product settlement step.

The sound processor 325 is a function component that processes input and output of sound in the voice call mode of the VoIP terminal 300. The sound processor 325 decodes at least one encoded sound data (or voice data) to decode the VoIP terminal. Or a vocoder and a codec for encoding and encoding a sound signal outputted to a speaker provided in the 300 or through a microphone provided in the VoIP terminal 300. It features.

The communication processing unit 335 connects a VoIP communication channel (eg, a VoIP based voice channel or a VoIP based data channel) between the VoIP terminal 300 and the gateway (or gatekeeper), or the virtual CD through the VoIP. Connect a communication channel to a financial company server 385 (or a communication relay server 387) on a communication network for ATM / ATM-based financial transactions, or perform a virtual CD / ATM-based product payment through the VoIP. (Or payment relay server 390) is characterized in that connecting the communication channel.

The security module 340 is the confidentiality (Authentication) or integrity (Integrity) or required in the process of performing the virtual CD / ATM-based financial transaction or product payment via the VoIP terminal 300 As a safety device for performing security requirements including nonrepudiation and the like in a secure and reliable structure within the VoIP terminal 300 without using an authentication server (not shown) on a communication network, the VoIP terminal ( 300 encrypts or decrypts a predetermined message (information or data) processed in the course of performing a predetermined security request function (e.g., electronic payment or electronic payment function), and prevents forgery (or tampering) of the message. It is characterized in that to perform the function of adding the authenticator or in the process of performing the security request function, the key information important.

In general, the security module 340 is preferably composed of a predetermined security module 340 inserter and a security module 340 chip, the security module 340 chip is a chip containing at least 8 bits or more CPU and memory 2MIPS (Application Specific Integrated Circuit (ASIC) chip (e.g., PLCC 44-pin chip) or IC chip (e.g., IC card in the form of subscriber identity module (SIM)) having a performance of (Million Instructions Per Second) or more It is preferable.

In addition, the security module 340 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the VoIP terminal 300 to perform a predetermined security request function Or a key (eg, one master key and at least one application key) or protocol (eg, a transaction protocol, a retransaction protocol, a previous transaction cancellation protocol, a collection protocol, a security module 340 issuance protocol, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, security module 340 revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / revocation / Initialization / reprocessing / cancellation command).

According to an exemplary embodiment of the present invention, the security module 340 processes the financial company server 385 (or the communication relay server 387) to recognize the VoIP terminal 300 as a virtual CD / ATM. Preferably, the terminal information includes the terminal information, and the financial institution server 385 (or the communication relay server 387) that has received the virtual financial terminal information is configured until the non-face-to-face financial transaction through the VoIP terminal 300 ends. It is preferable to process the financial transaction by recognizing the VoIP terminal 300 as a virtual CD / ATM.

According to an embodiment of the present invention, the security module 340 recognizes the VoIP terminal 300 as a virtual CD / ATM by the financial institution server 385 (or the communication relay server 387). The VoIP terminal 300 according to the non-face-to-face financial transaction control information for controlling a non-face-to-face financial transaction procedure (eg, a virtual CD / ATM-based financial transaction procedure) through the terminal 300 and the non-face-to-face financial transaction control information. It is desirable to have a non-face-to-face financial transaction authentication function for authenticating each non-face-to-face financial transaction step through.

Herein, the non-face-to-face financial transaction control information outputs the non-face-to-face financial transaction interface including one or more of the card information reading interface, the financial transaction item selection interface, and the transaction information input interface from the VoIP terminal 300 to the screen output means. It is preferable to include the interface control information for controlling and authenticating, wherein the non-face-to-face financial transaction authentication function is outputting the interface according to the non-face-to-face financial transaction procedure to the screen output means through the interface control information It is desirable to authenticate.

In addition, the non-face-to-face financial transaction control information, the card information authentication information for authenticating the validity of the card information (or account information) read from the card reader unit 310 through the card information reading interface, the key input unit ( Password authentication information for verifying the validity of the PIN information (or card password) input from the 320, financial transaction for authenticating the validity of the financial transaction item selection information input from the key input unit 320 through the financial transaction item selection interface Preferably, the transaction information includes at least one item of authentication information. At this time, the non-face-to-face financial transaction authentication function may read card information (or account information) read through the card reader unit 310 through the card information authentication information. To verify the validity of the PIN information (or card password), or enter through the key input unit 320 That it is desirable to authenticate the validity of financial transactions item selection information.

In particular, the non-face-to-face financial transaction control information authenticates the validity of the transaction information input (or selected) from the key input unit 320 through the transaction information input interface for virtual CD / ATM-based financial transaction via the VoIP. Preferably, the transaction information authentication information is further included. In this case, the transaction information authentication information preferably performs a function of authenticating validity of transaction information input (or selected) through the transaction information input interface. .

For example, authenticating the validity of the card information (or account information) through the card information authentication information, the card information (or account information) read through the card reader 310 is the VoIP terminal 300 It is preferable to include authenticating whether the card corresponds to the number system of valid card information (or account information) available for non-face-to-face financial transactions.

Alternatively, authenticating the validity of the password through the password authentication information may include authenticating whether the PIN information or the card password includes a preset PIN information (or card password) system.

Alternatively, authenticating the validity of the financial transaction item selection information through the financial transaction item authentication information may include selecting the financial transaction item through a customer account corresponding to card information (or account information) read through the card reader. It is desirable to include authenticating whether non-face-to-face financial transactions corresponding to the information are possible.

Alternatively, authenticating the validity of the virtual CD / ATM based non-face-to-face transaction through the VoIP through the transaction information authentication information may include transaction information (eg, account inquiry transaction) input (or selected) through the transaction information input interface. Information, or bank transfer transaction information, etc.) is preferably included.

Referring to FIG. 3, the VoIP terminal 300 starts a virtual financial terminal program (eg, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 300). When performing a virtual CD / ATM based financial transaction function, the VoIP terminal 300 checks whether a VoIP based communication channel is connected, and when checking the VoIP based communication channel, the VoIP terminal 300 determines the VoIP based communication channel. And a communication channel switching unit 350 for switching to a communication channel between the financial institution server 385 (or the communication relay server 387), and the communication channel switching unit 350 is virtual through VoIP. When performing a CD / ATM-based product payment function, a secure communication channel between the VoIP terminal 300 and the financial institution server 385 (or the communication relay server 387) is connected (or a virtual CD / ATM function is authenticated). The communication channel of the VoIP terminal 300 It is characterized in that the switching to the communication channel between the VoIP terminal 300 and the financial institution server 385 (or payment relay server 390).

When a customer using the VoIP terminal 300 requests a virtual CD / ATM-based financial transaction or product payment through VoIP through the key input unit 320, the communication channel switching unit 350 is connected to the VoIP terminal 300. ) Checks whether the VoIP based communication channel is connected.

Upon checking the VoIP based communication channel, the communication channel switching unit 350 converts the VoIP based communication channel into a communication channel between the VoIP terminal 300 and the financial institution server 385 (or the communication relay server 387). And a communication channel between the VoIP terminal 300 and the financial institution server 385 (or the communication relay server 387) through the communication network.

According to the exemplary embodiment of the present invention, when the VoIP terminal 300 supports a plurality of communication channels, the communication channel switching unit 350 maintains the VoIP based communication channel and the financial institution 300 and the financial company. It is preferable to connect a communication channel between the server 385 (or communication relay server 387).

Referring to FIG. 3, when the virtual financial terminal program is activated, the VoIP terminal 300 is switched by the communication channel switching unit 350 for virtual CD / ATM based financial transaction or product payment through the VoIP. Or a security module corresponding to the VoIP terminal 300 information and the security module 340 provided in the VoIP terminal 300 to the financial institution server 385 (or the communication relay server 387) through the connected communication channel. The information transmission unit 353 for transmitting information and the security module 340 information and the VoIP terminal 300 information from the financial institution server 385 (or the communication relay server 387) through the communication channel. And an information receiver 355 that receives virtual financial terminal activation information corresponding to the terminal.

When the communication channel is switched (or connected) to the financial company server 385 (or the communication relay server 387) by the communication channel switching unit 350 for virtual CD / ATM-based financial transaction or product payment through the VoIP. The information transmission unit 353 is connected to the memory unit 330 so as to correspond to the VoIP terminal 300 information (not shown) and the security module 340 provided in the VoIP terminal 300. Check the information 340, and transmits the confirmed VoIP terminal 300 information and security module 340 information to the financial institution server 385 (or communication relay server 387).

According to the method of the present invention, when the financial institution server 385 (or the communication relay server 387) can check the VoIP terminal 300 information through the communication channel, the information transmitter 353 Check the security module 340 information corresponding to the security module 340 provided in the VoIP terminal 300 in association with the memory unit 330, the information on the security module 340 to the financial company server 385 (Or communication relay server 387).

Thereafter, the financial institution server 385 (or the communication relay server 387) is provided with the card reader and the effective security module 340 to the VoIP terminal 300 through the VoIP terminal 300 information and the security module 340 information. (E.g., the security module 340 having the virtual financial terminal information, the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function) is provided, and then, upon confirming the authentication, the communication The virtual financial terminal activation information is transmitted to the VoIP terminal 300 through a channel, and the information receiving unit 355 is the financial company server 385 (or the communication relay server 387) through the communication channel. Receiving the virtual financial terminal activation information from the terminal.

In this case, the virtual financial terminal activation information, by activating the security module 340 provided in the VoIP terminal 300 so that the VoIP terminal 300 operates as a virtual financial terminal (= virtual CD / ATM). As the information to be activated, the security module 340 activated by the virtual financial terminal activation information is the financial terminal server 385 via the VoIP terminal 300 and the financial company server 385 (or the communication relay server 387). And an encryption / decryption based secure communication channel, and transmits the virtual financial terminal information provided in the security module 340 to the financial institution server 385 through the secure communication channel in the VoIP terminal 300. In addition, it is preferable that the VoIP terminal 300 processes the non-face-to-face financial transaction through the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function provided in the security module 340.

Referring to FIG. 3, when the virtual financial terminal activation information is received, the VoIP terminal 300 may include a security module processor configured to activate a virtual financial terminal function of the security module 340 through the virtual financial terminal activation information. 363, a communication channel connection unit 365 for connecting the financial company server 385 and an end-to-end secure communication channel based on encryption / decryption under the non-face-to-face financial transaction control of the security module 340, and the screen output means. An interface output unit 370 for outputting a virtual financial terminal authentication interface and the virtual financial terminal information from the security module 340 based on authentication information input through the virtual financial terminal authentication interface, and the secure communication channel The terminal authentication processor 367 is transmitted to the financial institution server 385 to process the VoIP terminal 300 to be recognized as a virtual financial terminal (for example, a virtual CD / ATM). It is characterized by the comparison.

When the virtual financial terminal activation information is received from the financial company server 385 (or the communication relay server 387) by the information receiver 355, the security module processor 363 activates the received virtual financial terminal. By providing the information to the security module 340, the security module 340 is characterized in that the virtual financial terminal activation information is read to process the virtual financial terminal function of the security module 340 is activated.

According to the exemplary embodiment of the present invention, when the virtual financial terminal function of the security module 340 is activated by the security module processing unit 363, the operation of the VoIP terminal 300 is performed by the security module 340. It is preferable that each non-face-to-face financial transaction step is controlled and authenticated through non-face-to-face financial transaction control information and non-face-to-face financial transaction authentication function.

When the virtual financial terminal function of the security module 340 is activated by the security module processing unit 363, the communication channel connection unit 365 is a financial company server 385 according to the non-face-to-face financial transaction control of the security module 340. ) And end-to-end secure communication channel based on encryption / decryption.

According to an exemplary embodiment of the present invention, the communication channel connection unit 365 bypasses one or more communication relay servers 387 according to the non-face-to-face financial transaction control of the security module 340, thereby allowing the VoIP terminal (Bypass). It is preferable to connect an end-to-end secure communication channel based on encryption / decryption between 300 and the financial institution server 385.

According to another exemplary embodiment of the present invention, the communication channel connection unit 365 is connected between the VoIP terminal 300 and the financial company server 385 according to the virtual private network protocol according to the non-face-to-face financial transaction control of the security module 340. It is desirable to connect an end-to-end secure communication channel based on encryption / decryption.

Those skilled in the art will be familiar with the technical features of the end-to-end secure communication channel based on encryption / decryption between the VoIP terminal 300 and the financial institution server 385 described above. The detailed description thereof will be omitted for convenience.

When the virtual financial terminal function of the security module 340 is activated by the security module processing unit 363, and the end-to-end secure communication channel between the VoIP terminal 300 and the financial company server 385 is connected, the interface outputs. The unit 370 outputs a virtual financial terminal authentication interface to the screen output means according to the non-face-to-face financial transaction control of the security module 340, and provides authentication information (eg, through the virtual financial terminal authentication interface). When the PIN information for the security module 340) is input, the terminal authentication processor 367 transfers the input authentication information to the security module 340 according to the non-face-to-face financial transaction control of the security module 340. Providing and reading the virtual financial terminal information from the security module 340 as an authentication result of the authentication information, and then processing the virtual financial terminal information. And to the financial institution server 385 through the secure communication channel, whereby the VoIP terminal 300 is recognized as a virtual financial terminal (eg, a virtual CD / ATM) by the financial institution server 385. do.

According to another exemplary embodiment of the present invention, the interface output unit 370 outputs the virtual financial terminal authentication interface, and the terminal authentication processing unit 367 stores the authentication information input through the virtual financial terminal authentication interface. Processing provided to the module 340 to be authenticated may be omitted, and the present invention is not limited thereto.

When the VoIP terminal 300 is recognized as the virtual financial terminal (eg, a virtual CD / ATM), the terminal authentication processor 367 receives virtual financial terminal authentication information from the financial company server 385. Accordingly, the VoIP terminal 300 corresponds to the virtual financial terminal (eg, virtual CD / ATM) according to the non-faced financial transaction control procedure according to the financial transaction control of the security module 340. It is characterized by performing a transaction procedure.

Referring to FIG. 3, when the VoIP terminal 300 is processed as a virtual financial terminal (for example, a virtual CD / ATM) through the security module 340, the VoIP module 300 includes the security module 340. Interface output unit 370 for outputting a card information reading interface, a financial transaction item selection interface, and a transaction information input interface according to a non-face-to-face financial transaction procedure according to the non-face-to-face financial transaction control of the non-face-to-face financial transaction, and the interface output unit 370 When the card information reading interface is outputted, an information reading unit 375 for reading card information (or account information) from the customer card through the card reader unit 310 and a password through the key input unit 320. Input processing, and when the financial transaction item selection interface is output by the interface output unit 370, the financial transaction item selection information is input through the key input unit 320, and the processing is performed. When the information input interface is outputted, an information input unit 373 for processing transaction information for one or more non-face-to-face financial transactions such as account inquiry, bank transfer, and bill payment through the key input unit 320, and the read card. A full text generation unit 377 for generating a full transaction request message including information (or account information), financial transaction item selection information, and one or more transaction information corresponding to the selected financial transaction item; and through the end-to-end secure communication channel. And a specialized processing unit 380 for transmitting the generated transaction request message to the financial company server 385 so that the non-face-to-face financial transaction is processed, and controlling the non-face-to-face financial transaction of the security module 340. According to the interface output unit 370 in accordance with the screen output unit 315 to output one or more non-face-to-face financial transaction interface And control to read card information (or account information) through the card reader 310 based on a non-face-to-face financial transaction interface in association with the information reading unit 375 and link with the information input unit 373. Control the input of the financial transaction item selection information and one or more transaction information corresponding to the selected financial transaction item through the key input unit 320, and read the card information ( Or account information), financial transaction item selection information, and control to generate a transaction request message including one or more transaction information corresponding to the financial transaction item, and establishes the end-to-end secure communication channel in connection with the expert processing unit 380. It is provided with a virtual financial terminal control unit 360 for controlling the non-face-to-face financial transaction is processed by transmitting the generated transaction request full text to the financial company server (385) through Characterized in that where the lure.

When the VoIP terminal 300 is processed as a virtual financial terminal (eg, a virtual CD / ATM) through the security module 340, the interface output unit 370 may be configured to execute the virtual financial terminal control unit 360. Card information reading interface and financial transaction item in connection with the memory unit 330 according to the non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 340. And outputting a selection interface and a transaction information input interface, wherein each interface outputting step includes non-face-to-face financial transaction control information and non-face-to-face financial transaction authentication of the security module 340 through the virtual financial terminal controller 360. It is desirable to authenticate based on functionality.

According to the first embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 ( For example, after outputting the card information reading interface according to a CD / ATM-based financial transaction procedure, it is preferable to output the financial transaction item selection interface and sequentially output the transaction information input interface according to the financial transaction item.

According to the second embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 ( For example, after outputting the financial transaction item selection interface according to the CD / ATM-based financial transaction procedure, it is preferable to sequentially output the transaction information input interface and the card information reading interface according to the financial transaction item.

According to the third embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 ( For example, after outputting the card information reading interface and the financial transaction item selection interface according to a CD / ATM based financial transaction procedure, it is preferable to sequentially output the transaction information input interface according to the financial transaction item.

According to the fourth embodiment of the present invention, the interface output unit 370 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 ( For example, after outputting the card information reading interface and the financial transaction item selection interface according to the CD / ATM-based financial transaction procedure, it is preferable to sequentially output the transaction information input interface according to the financial transaction item.

Those skilled in the art to which the present invention pertains, non-face-to-face finance based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 in addition to the interface output method described above. Output the card information reading interface, the financial transaction item selection interface, and the transaction information input interface sequentially (or integrating two or more interfaces in one screen output means) according to a transaction procedure (e.g., CD / ATM-based financial transaction procedure). It will be possible to infer various implementation methods, the present invention is characterized by including all the implementation methods inferred.

The interface output unit 370 according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. When the card information reading interface is outputted, the non-face-to-face financial transaction based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360 is output. The card information (or account information) is read from the customer card through the card reader 310 according to a procedure (for example, CD / ATM-based financial transaction procedure).

When card information (or account information) is read from the customer card through the information reading unit 375, the virtual financial terminal control unit 360 controls the non-face-to-face financial transaction control information and the non-face-to-face finance of the security module 340. It is preferable to authenticate the validity of the read card information (or account information) on the basis of a transaction authentication function, wherein the validity authentication of the card information (or account information), the read card information (or account information) ) Includes authenticating card information (or account information) capable of non-face-to-face financial transactions through the VoIP terminal 300 (eg, card information (or account information) associated with a customer account opened in a specific bank). It is preferable to make it.

Alternatively, the interface output unit according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. When the password input interface is output through 370, the information input unit 373 is a non-face-to-face finance based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. The PIN information (or card password) is input through the key input unit 320 according to a transaction procedure (eg, CD / ATM-based financial transaction procedure).

When the password is input through the information input unit 373, the virtual financial terminal control unit 360 inputs the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module 340. It is preferable to authenticate the validity of the PIN information (or card password), wherein the validity authentication of the PIN information (or card password), the PIN information (or card password) is the preset PIN information (or card password) It is desirable to include verifying that the system is included.

Alternatively, the interface output unit according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. When the financial transaction item selection interface is output through 370, the information input unit 373 is a non-face-to-face based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. According to a financial transaction procedure (eg, CD / ATM-based financial transaction procedure), the financial transaction item selection information is input through the key input unit 320.

When the financial transaction item selection information is input through the information input unit 373, the virtual financial terminal controller 360 is based on the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module 340. Preferably, the validity of the input financial transaction item selection information is verified, wherein the validity authentication of the financial transaction item selection information is performed through the customer account corresponding to the read card information (or account information). Preferably, the method includes authenticating whether non-face-to-face financial transactions corresponding to the transaction item selection information are possible.

Alternatively, the interface output unit according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. When the transaction information input interface is output through 370, the information input unit 373 may use one or more non-face-to-face contacts such as account inquiry, account transfer, and bill payment corresponding to the financial transaction item through the key input unit 320. Characterized in that the input processing the transaction information for financial transactions.

When the transaction information is input through the information input unit 373, the virtual financial terminal control unit 360 inputs the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module 340. It is preferable to authenticate the validity of the transaction information, wherein the validity authentication of the transaction information, wherein the entered (or selected) transaction information is valid for each transaction type (eg, account inquiry, account transfer, bill payment, etc.). It is preferable to include authenticating whether the information is included.

The card information (or account information) is read from the customer card through the information reading unit 375, and the financial transaction item selection information and the transaction information corresponding to the financial transaction item are read through the information input unit 373. When input, the full text generation unit 377 may be a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360 (eg, CD / ATM-based). And a transaction request message including one or more of the card information (or the account information), the financial transaction item selection information, and the transaction information corresponding to the selected financial transaction item according to the financial transaction procedure).

Here, the transaction request telegram may include a CD / ATM based transaction request telegram structure recognized by the financial institution server 385 as a transaction request telegram transmitted from the CD / ATM terminal.

The transaction request telegraph is generated by a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. If not, the professional processor 380 may perform a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal controller 360. The non-face-to-face financial transaction is transmitted by transmitting the generated transaction request message to the financial institution server 385 through an end-to-end secure communication channel connected by the communication channel connection unit 365 in accordance with the above.

In addition, the specialized processing unit 380 is a non-face-to-face financial transaction procedures (eg, CD / ATM-based financial transactions based on the non-face-to-face financial transaction control of the security module 340 through the virtual financial terminal control unit 360). A general ledger response message including a ledger processing result corresponding to the transaction request message (eg, a ledger processing result corresponding to the transaction request message) from the financial institution server 385 through the end-to-end secure communication channel according to the procedure), or Receiving a transaction result text including financial transaction processing results according to the ledger processing result corresponding to the transaction request text), and in accordance with the non-face-to-face financial transaction procedure (for example, CD / ATM-based financial transaction procedure). Characterized in that the screen output the received transaction response message.

The transaction processing unit 380 includes a transaction response message (eg, a ledger response message including a ledger processing result corresponding to the transaction request text message, or a financial transaction processing result according to the ledger processing result corresponding to the transaction request text message). Full transaction result), the virtual financial terminal control unit 360 is characterized in that it releases the end-to-end secure communication channel between the VoIP terminal 300 and the financial institution server (385).

Referring to FIG. 3, when the VoIP terminal 300 is processed as a virtual financial terminal (eg, a virtual CD / ATM) through the security module 340, the VoIP terminal 300 is connected to the VoIP terminal 300. Deactivates the VoIP call function, controls the VoIP terminal 300 to be recognized as being in communication with the VoIP server 393 on a communication network, and, when the non-face-to-face financial transaction ends, restores the VoIP call function, It is characterized in that it is provided with a VoIP communication control unit 305 for controlling to recognize that the voice call to the VoIP terminal 300 in association with the VoIP server 393 on the communication network.

When the VoIP terminal 300 is processed as a virtual financial terminal (eg, a virtual CD / ATM) through the security module 340, the VoIP communication controller 305 performs the VoIP call function of the VoIP terminal 300. By deactivating, the VoIP-based voice call through the VoIP terminal 300 is deactivated, and the data communication function through the VoIP terminal 300 except the secure communication channel is deactivated.

In addition, the VoIP communication control unit 305 transmits the VoIP communication deactivation information to the VoIP server 393 (for example, a gateway or a gatekeeper) on the communication network, whereby the VoIP terminal 300 calls the VoIP server 393. Characterized in that the processing to be recognized as being.

The transaction processing message including the financial transaction processing result according to the ledger processing result corresponding to the transaction request message is received by the expert processing unit 380 or the VoIP terminal 300 and the financial company server ( When the end-to-end secure communication channel between 385) is released, the VoIP controller 357 activates the VoIP call function of the VoIP terminal 300, thereby activating the VoIP-based voice call through the VoIP terminal 300, It is characterized in that to activate the data communication function through the VoIP terminal (300).

In addition, the VoIP communication controller 305 transmits the VoIP communication activation information to the VoIP server 393 (for example, a gateway or a gatekeeper) on the communication network, thereby transmitting the VoIP server 393 to the VoIP terminal 300. Characterized in that the voice call is processed as possible.

According to an embodiment of the present invention, for the virtual CD / ATM based product payment via the VoIP, the customer clicks the "product payment" button provided in the key input device of the VoIP terminal 300, or When selecting the "product payment" menu or "CA / ATM" menu on the menu screen output to the screen output means of the VoIP terminal 300, the communication channel switching unit 350, information transmission unit 353, information receiving unit ( 355, the security module processing unit 363 performs the function described above to process the financial institution server 385 (or the communication relay server 387) to recognize the VoIP terminal 300 as a virtual CD / ATM, and the interface. The output unit 370 may output a financial transaction item selection interface (or a card information reading interface for product payment without omitting the financial transaction item selection interface) including a product payment item on the screen of the VoIP terminal 300. Ha .

According to another exemplary embodiment of the present invention, the customer connects a voice call channel to the seller server 395 through the VoIP terminal 300 for the virtual CD / ATM based product payment through the VoIP (or data). After connecting to the communication channel) to indicate the purchase / payment intention, the merchant server 395 (or financial institution server 385, or payment relay server 390) requests the product payment through the VoIP terminal 300 When the message (or information) is received, the communication channel switching unit 350, the information transmitting unit 353, the information receiving unit 355, and the security module processing unit 363 perform the above-described functions to perform the above-described financial institution server 385. (Or communication relay server 387) to process the VoIP terminal 300 as a virtual CD / ATM, and the interface output unit 370 is a finance that includes a product payment item on the screen of the VoIP terminal 300 Transaction item selection interface (or the financial transaction item selection Omitting the interface and outputting a card information reading interface for product payment), in this case, the message (or information) received by the VoIP terminal 300 includes at least one customer number or order number for payment identification. It is preferably made, including the customer number, order number can be omitted according to the intention of the skilled person.

According to another exemplary embodiment of the present invention, the communication channel switching unit 350, the information transmitting unit 353, the information receiving unit 355, and the security module processing unit 363 perform the above-described functions to perform the above-described financial institution server 385. The process of processing the VoIP terminal 300 as a virtual CD / ATM in the communication relay server 387 may be omitted. In this case, the VoIP terminal 300 may perform a function of a remote card terminal. Do.

If the VoIP terminal 300 is recognized as a virtual CD / ATM, a financial transaction item selection interface including a product payment item is output on the screen of the VoIP terminal 300 and selected through the financial transaction item selection interface. When the financial transaction item selection information includes a product payment item for virtual CD / ATM based product payment through the VoIP, the interface output unit 370 is the security module 340 through the virtual financial terminal control unit 360. Outputting a card information reading interface for reading card information (or payment means information) for processing a product payment corresponding to the selected product payment item based on the non-face-to-face financial transaction control of A payment including one or more customer number, order number, and VoIP terminal 300 information for payment identification for virtual CD / ATM based product payment through VoIP. It characterized in that it further outputs a billing identification information input interface for inputting the identification information.

According to an embodiment of the present invention, when the customer number is used as payment identification information, the payment identification information input interface includes a user interface for inputting the customer number, and the customer number is the seller server 395. (Or financial institution server 385 or payment relay server 390), the customer number is automatically input to the payment identification information input interface, or omitting the output of the payment identification information input interface It is possible to automatically check the received customer number with the payment identification information.

According to another exemplary embodiment of the present invention, when the order number is used as payment identification information, the payment identification information input interface includes a user interface for inputting the order number, and the order number is the seller server ( 395) (or the financial institution server 385 or the payment relay server 390), the order number is automatically input to the payment identification information input interface, or omitted to output the payment identification information input interface And it is possible to automatically confirm the received order number with the payment identification information.

According to another exemplary embodiment of the present invention, when the VoIP terminal 300 information is used as payment identification information, the VoIP terminal 300 allocated to the VoIP terminal 300 is omitted while omitting the output of the payment identification information input interface. ) Information is preferably automatically confirmed by the payment identification information.

Perform a virtual CD / ATM based product payment function through the VoIP (e.g., select a product payment menu through the financial transaction item selection interface, or read card information (or payment method information) or input payment identification information (or confirmation)) In this case, the communication channel switching unit 350 is a state in which a secure communication channel between the VoIP terminal 300 and the financial institution server 385 (or the communication relay server 387) is connected (or a virtual CD / ATM function is authenticated). ) Converts the communication channel of the VoIP terminal 300 into a communication channel between the VoIP terminal 300 and the financial institution server 385 (or the payment relay server 390).

According to the method of the present invention, when the VoIP terminal 300 supports a plurality of communication channels, the communication channel switching unit 350 is the VoIP terminal 300 and the financial company server 385 (or a communication relay server) 387) It is preferable to connect the communication channel between the VoIP terminal 300 and the financial institution server 385 (or payment relay server 390) while maintaining a secure communication channel between.

In addition, the communication channel connection unit 365 establishes an end-to-end payment communication channel based on encryption / decryption with the financial institution server 385 (or the payment relay server 390) according to the non-face-to-face financial transaction control of the security module 340. It is characterized by connecting.

Referring to FIG. 3, the VoIP terminal 300 reads card information (or payment means information) for payment from the customer card through the virtual CD / ATM based product payment function through the VoIP. When the identification information is input (or confirmed) and the payment communication channel between the VoIP terminal 300 and the financial institution server 385 (or the payment relay server 390) is connected, the read card information through the payment communication channel. (Or payment means information) and the product payment request unit 383 for transmitting the input (or confirmed) payment identification information to the financial company server 385 (or payment relay server 390) do.

According to an exemplary embodiment of the present invention, card information (or payment means information) for reading a product is read from the customer card through the virtual CD / ATM-based product payment function through the VoIP, and the payment identification information is input ( Or check), and when the payment communication channel between the VoIP terminal 300 and the financial company server 385 is connected, the product payment request unit 383 is connected to the payment terminal between the VoIP terminal 300 and the financial company server 385. The financial institution server includes the read card information (or payment means information) and the input (or confirmation) payment identification information (eg, customer number, order number, and VoIP terminal 300 information) through a channel. 385), the financial company server 385 then receives the card information (or payment means information) and payment identification information from the VoIP terminal 300, and received from the seller server 395 Billing Identification Information Receive payment information including at least one payment amount information and one or more payment target information (e.g., merchant information for card payment, or merchant account information for bank transfer payment) for each type of payment method, and based on the payment identification information Check the card information (or payment method information), payment amount information, payment target information for each payment method type, and allow the payment amount to be processed through the confirmed card information (or payment method information). It is characterized by.

According to another exemplary embodiment of the present invention, card information (or payment means information) for product payment is read from the customer card through the virtual CD / ATM-based product payment function through VoIP, and the payment identification information is inputted ( Or check), and when the payment communication channel between the VoIP terminal 300 and the payment relay server 390 is connected, the product payment request unit 383 is connected between the VoIP terminal 300 and the payment relay server 390. The payment card information (or payment means information) and the input (or confirmation) the payment identification information (eg, customer number, order number, VoIP terminal 300 information including one or more) through the payment communication channel to the payment It characterized in that the transmission to the relay server 390, after which the payment relay server 390 receives the card information (or payment means information) and payment identification information from the VoIP terminal 300, the seller server 395 Received from Receive payment information including one or more payment identification information, payment amount information and one or more payment method information (eg, merchant information for card payment, or merchant account information for bank transfer) Based on the identification information, the card information (or payment method information), payment amount information, payment object information for each payment method type is checked, and the payment amount is determined through the confirmed card information (or payment method information). Characterized in that the payment processing.

In more detail, FIG. 4 shows a virtual financial terminal (eg, CD (Cash Dispenser), ATM (Automatic) through the financial company server 435 (or the communication relay server 400) in the VoIP terminal 498 shown in FIG. After at least one Teller Machine) function, and through the virtual financial terminal function of the VoIP terminal 498 to provide one or more virtual CD / ATM-based financial transactions, the virtual financial of the VoIP terminal 498 As a system configuration for providing a product payment function through a terminal function, a person having ordinary knowledge in the art to which the present invention pertains refers to the virtual CD / ATM based on the VoIP by referring to and / or modifying the drawing 4. Various implementation methods for the financial transaction / product settlement system configuration can be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 4 according to an embodiment of the present invention, the virtual CD / ATM-based financial transaction / product payment system through VoIP includes at least one VoIP terminal 498 connected to a communication network, and the VoIP terminal 498. The virtual financial terminal D / B 430 for storing the VoIP terminal 498 information and the security module information transmitted from the network, and the VoIP terminal 498 connected to the VoIP terminal 498 through a communication network and transmitted through the communication network. Communication relay server 400 receiving information and security module information and transmitting virtual financial terminal activation information corresponding to the received VoIP terminal 498 information and security module information to the VoIP terminal 498; The virtual financial terminal from the VoIP terminal 498 connected to the VoIP terminal 498 through a communication network or relay-connected to the VoIP terminal 498 through the communication relay server 400 and the virtual financial terminal function is activated. Receive and Receive Information A financial institution server 435 for authenticating a virtual financial terminal function of the VoIP terminal 498 and then providing one or more virtual CD / ATM-based financial transactions through the virtual financial terminal function of the VoIP terminal 498; It is characterized in that it is provided with a payment relay server 463 is connected to the VoIP terminal 498 through a communication network and provides a product payment function through the virtual financial terminal function of the VoIP terminal 498.

However, in FIG. 4, the communication relay server 400, the financial company server 435, and the payment relay server 463 are illustrated as being made in the form of one server for convenience, and thus are described as technical features of the present invention. The present invention is not limited thereto, and the communication relay server 400, the financial company server 435, and the payment relay server 463 may be implemented as one integrated server, or two or more separate components (or means). It is possible to be implemented in the form of a server group, the present invention is characterized in that it comprises all the possible inference method. That is, the communication relay server 400, the financial company server 435, and the payment relay server 463 are functional names for processing financial transactions and product settlement through the virtual financial terminal function of the VoIP terminal 498. It is clear that it does not mean a server name. In particular, it will be apparent that the function of the payment relay server 463 and the function of the financial institution server 435 are implemented in one server form.

The VoIP terminal 498 is characterized by having the VoIP function configuration shown in FIG. 3, which will be described in detail with reference to FIG.

The virtual financial terminal D / B 430 provided on the virtual CD / ATM-based financial transaction / product payment system through the VoIP includes customer information registered during the VoIP subscription, VoIP terminal 498 information, security module information, and the And storing the virtual financial terminal activation information for the security module corresponding to the security module information.

Here, the customer information is a personal information (or subscriber information) of a customer who purchases (or receives) a VoIP terminal 498 equipped with the card reader and a security module, and requests a VoIP subscription to the VoIP terminal 498. It is preferable to comprise).

The VoIP terminal 498 information is identification information assigned to the VoIP terminal 498 by a VoIP service provider to identify the VoIP terminal 498 that is requested to be subscribed among the plurality of VoIP terminals 498. Preferably, the VoIP terminal 498 includes a telephone number, and according to the intention of a person skilled in the art, other identification information (for example, an ESN or a serial number or an IP address, the VoIP terminal 498) in addition to the VoIP terminal 498 telephone number. Virtual financial terminal identification information, etc. assigned to the security module of the) is preferably made further.

The security module information is information for identifying a security module provided in the VoIP terminal 498, and preferably includes one or more of the security module identification code, serial number, authentication number, and the like.

The virtual financial terminal activation information activates a security module provided in the VoIP terminal 498 so that the VoIP terminal 498 operates as a virtual financial terminal (eg, a CD / ATM (Cash Dispenser / Automatic Teller Machine)). The information to be processed preferably includes one or more verifier (or authenticator) information, authentication key information (or information for generating an authentication key), and an authentication number that are read (or authenticated) by the security module. Do.

According to another embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through a random number, it is omitted that the virtual financial terminal activation information is stored in the virtual financial terminal D / B 430. As such, the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the communication relay server 400 may include an interface unit 405 for connecting and managing the VoIP terminal 498 and a VoIP based communication channel.

According to an exemplary embodiment of the present invention, the interface unit 405 connects the VoIP terminal 498 and the VoIP-based voice call channel, and converts the voice call channel into a data communication channel.

According to another exemplary embodiment of the present invention, the interface unit 405 preferably connects the VoIP terminal 498 to a VoIP based data communication channel.

Referring to FIG. 4, the communication relay server 400 is an information receiver 410 for receiving VoIP terminal 498 information and security module information transmitted from the VoIP terminal 498 in association with the interface unit 405. (Or information receiving means) and the information checking unit 415 for confirming the virtual financial terminal activation information corresponding to the VoIP terminal 498 information and the security module information in association with the virtual financial terminal D / B 430. (Or information confirmation means) and the information transmitting unit 420 (or the processing unit 420) to transmit the confirmed virtual financial terminal activation information to the VoIP terminal 498 to activate the virtual financial terminal function of the VoIP terminal 498 (or Information transmission means).

The information receiving unit 410 receives the VoIP terminal 498 information and the security module information transmitted from the VoIP terminal 498 in association with the interface unit 405. When the VoIP terminal 498 information can be confirmed through the information receiving unit 410, the security module information received from the VoIP terminal 498 is received, and the VoIP terminal (405) is connected with the interface unit 405. 498 It is desirable to confirm the information.

When the VoIP terminal 498 information and the security module information are received by the information receiving unit 410, the information checking unit 415 is connected to the virtual financial terminal D / B 430 to the VoIP terminal 498. And confirming the virtual financial terminal activation information corresponding to the information and the security module information.

According to another exemplary embodiment of the present invention, the information checking unit 415 may dynamically generate the virtual financial terminal activation information, and thus the present invention is not limited thereto.

Thereafter, the information transmitter 420 transmits the checked virtual financial terminal activation information to the VoIP terminal 498 to process the virtual financial terminal function of the VoIP terminal 498 to be activated.

Referring to FIG. 4, the communication relay server 400 connects the VoIP terminal 498 and the financial company server 435 when the VoIP terminal 498 connects to the financial company server 435 with an end-to-end secure communication channel. It characterized in that it further comprises a communication relay unit 425 for relay connection.

Referring to FIG. 4, the financial institution server 435 includes a communication channel operating unit 440 (or communication channel operating means) for connecting the VoIP terminal 498 and an end-to-end secure communication channel based on encryption / decryption; A virtual financial terminal information receiver 445 (or information receiving means) for receiving virtual financial terminal information from the VoIP terminal 498 through the secure communication channel, and reading the virtual financial terminal information to read the virtual financial terminal information. It characterized in that it comprises a terminal authentication unit 450 (or terminal authentication means) for authenticating the validity.

The communication channel manager 440 connects the end-to-end secure communication channel based on encryption / decryption with the VoIP terminal 498 shown in FIG.

According to an exemplary embodiment of the present invention, the communication channel operating unit 440 bypasses the communication relay server 400 according to the non-face-to-face financial transaction control of the security module and the VoIP terminal 498. It is desirable to connect an end-to-end secure communication channel based on encryption / decryption between financial institution servers 435.

According to another exemplary embodiment of the present invention, the communication channel manager 440 encrypts between the VoIP terminal 498 and the financial company server 435 according to a virtual private network protocol according to the non-face-to-face financial transaction control of the security module. It is desirable to connect end-to-end secure communication channels based on / decryption.

Those skilled in the art will be familiar with the technical features of the end-to-end secure communication channel based on encryption / decryption between the VoIP terminal 498 and the financial institution server 435 described above. The detailed description thereof will be omitted for convenience.

Thereafter, the virtual financial terminal information receiving unit 445 receives virtual financial terminal information from the VoIP terminal 498 through the secure communication channel, and the terminal authentication unit 450 receives the virtual financial terminal information. It is characterized in that the processing to ensure that the VoIP terminal 498 is recognized as a virtual financial terminal by reading and authenticating the validity.

According to the exemplary embodiment of the present invention, the terminal authentication unit 450 reads the virtual financial terminal information according to a conventional CD / ATM authentication method and authenticates the validity, thereby recognizing the VoIP terminal 498 as a virtual financial terminal. Preferably, the financial institution server 435 has a database (not shown) that stores separate terminal authentication information for authenticating the virtual financial terminal information according to the CD / ATM authentication method for each financial institution. It is possible.

When the VoIP terminal 498 is authenticated (or recognized) with the virtual financial terminal (eg, virtual CD / ATM), the terminal authentication unit 450 sends the virtual financial terminal authentication information to the VoIP terminal 498. In response, the VoIP terminal 498 corresponds to the virtual financial terminal (eg, virtual CD / ATM) according to a non-face-to-face financial transaction control procedure according to the financial transaction control of the security module. And perform a corresponding financial transaction procedure.

Referring to FIG. 4, the financial institution server 435 receives a full transaction request message including one or more card information (or account information), a password, and transaction information from the VoIP terminal 498 through the secure communication channel. A specialized transaction receiver 453 (or a specialized receiver), a financial transaction processor 455 (or a financial transaction processor) that processes a financial transaction corresponding to the received transaction request message in association with a financial system, and the transaction processor A professional transmission unit 460 for generating a transaction response message including a result (for example, a message including transaction history information corresponding to a ledger processing result corresponding to the transaction request message) and transmitting the generated transaction message to the VoIP terminal 498. Or specialized transmission means).

When the VoIP terminal 498 is recognized as a virtual financial terminal, the specialized receiving unit 453 selects customer card information and financial transaction items according to the non-face-to-face financial transaction control of the security module provided in the VoIP terminal 498. And receiving a transaction request message including one or more transaction information corresponding to the financial transaction item.

Here, the transaction request telegram may include a CD / ATM based transaction request telegram structure recognized by the financial institution server 435 as the transaction request telegram transmitted from the CD / ATM terminal.

When the transaction request message is received through the specialized receiver 453, the financial transaction processor 455 performs the requested ledger process in association with the financial system.

In the technical field to which the present invention belongs, the financial transaction processing unit 455 will be familiar with the technical features of processing the ledger corresponding to the full transaction request in connection with the financial system, and the detailed description thereof will be omitted for convenience. do.

When the transaction history information is confirmed (or extracted) through the ledger processing by the financial transaction processing unit 455, the specialized transmission unit 460 transmits the transaction response message including the transaction history information corresponding to the result of the ledger processing. For example, a full message including transaction history information corresponding to a ledger processing result corresponding to the transaction request message may be generated and transmitted to the VoIP terminal 498.

After the transaction response message is transmitted to the VoIP terminal 498, the communication channel manager 440 preferably releases an end-to-end secure communication channel with the VoIP terminal 498.

According to the present invention, the payment relay server 463, the VoIP terminal 498 information and customer account information (for example, the real account of the customer name) for the product payment through the virtual financial terminal function of the VoIP terminal 498 Information, virtual account information, and at least one online account information for providing a non-real name transaction). The storage medium 495 may be stored in association with each other, or may be linked through a network.

The VoIP terminal 498 information may include at least one telephone number or address information assigned to the VoIP terminal 498 shown in FIG. 3, and the plurality of VoIP terminals 498 connected to the communication network. Among them, it is preferable to include one or more VoIP terminal 498 identification information (or unique information) for identifying and confirming the VoIP terminal 498 recognized as the virtual financial terminal.

The customer account information includes real account information of the customer's name, virtual account information of the customer's name, financial real name transaction and confidentiality, established in a financial company that recognizes the VoIP terminal 498 shown in FIG. 3 as a virtual financial terminal. Act on the Act and Concurrence Decree (Presidential Decree 15744), which includes a chargeable prepaid card attribute (or virtual account attribute) without face-to-face verification of face-to-face blindness through other counter visits, to provide online account information providing the non-real name transaction. It is preferable to include one or more.

According to one embodiment of the invention, the storage medium 495 is the VoIP terminal 498 information and customer account information through the VoIP subscription system (or separate information registration system (not shown) shown in Figure 1) It is desirable to register it.

According to another exemplary embodiment of the present invention, the storage medium 495 checks the VoIP terminal 498 information and the customer account information in at least one financial transaction process through the virtual financial terminal function of the VoIP terminal 498. It is desirable to register.

Referring to FIG. 4, the payment relay server 463 includes a communication channel connection unit 465 (or communication channel connection means) for connecting the VoIP terminal 498 and an end-to-end payment communication channel based on encryption / decryption; Card information for receiving card information (or payment means information) and payment identification information (eg, customer number, order number, and one or more VoIP terminal 498 information) from the VoIP terminal 498 through the payment communication channel. It is characterized by comprising a receiving unit 470 (or information receiving means).

In order to make a virtual CD / ATM-based product payment through the VoIP, the communication channel connection unit 465 connects the VoIP terminal 498 shown in FIG. 3 to an end-to-end payment communication channel based on encryption / decryption. do.

When the VoIP terminal 498 and the payment communication channel are connected through the communication channel connection unit 465, the card information receiver 470 receives card information (or payment means) from the VoIP terminal 498 through the payment communication channel. Information) and payment identification information (eg, including at least one of a customer number, an order number, and VoIP terminal 498 information).

Referring to FIG. 4, the payment relay server 463 may request the seller server 490 when a customer using the VoIP terminal 498 requests a seller's server 490 to pay a product through the VoIP terminal 498. From the payment identification information (for example, including at least one customer number, order number, VoIP terminal 498 information) and payment amount information and one or more payment method information for each type of payment (for example, merchant information for card payment, or And a payment information receiver 473 (or information receiving means) for receiving payment information including one or more seller account information for account transfer payment.

In order to make a virtual CD / ATM-based product payment through the VoIP, the payment information receiver 473 purchases one or more products by a customer using the VoIP terminal 498, and then pays the purchase price for the purchased products. The VoIP terminal 498 from the seller server 490 (or the seller terminal may be included) indicating a willingness to pay through the card information (or payment means information) read through the card reader included in the terminal 498. Payment identification information (e.g., including one or more customer number, order number, VoIP terminal 498 information), payment amount information corresponding to the purchase price, and payment target information for each one or more types of payment methods (e.g., , Payment information including one or more merchant information for card payment, or merchant account information for bank transfer payment).

If the payment means type corresponding to the card information (or payment means information) read from the card reader provided in the VoIP terminal 498 is set as a card payment means, the payment target for each payment means type included in the payment information The information may include affiliate store information for the card payment, and when the payment means type group corresponding to the card information (or payment means information) read from the card reader provided in the VoIP terminal 498 is undecided, The payment target information for each payment method type preferably includes both merchant information for card payment and seller account information for bank transfer payment.

Alternatively, when the payment method type corresponding to the card information (or payment method information) read from the card reader provided in the VoIP terminal 498 is set as a bank transfer payment means, the payment means included in the payment information for each type The payment target information may include seller account information for the wire transfer payment, and the payment means type group corresponding to the card information (or payment means information) read from the card reader provided in the VoIP terminal 498. If undecided, the payment target information for each payment method type preferably includes both merchant information for card payment and seller account information for bank transfer payment.

Referring to FIG. 4, the payment relay server 463 checks payment request information for checking card information (or payment method information), payment amount information, and payment target information for each payment method type that are matched through the payment identification information. The 475 (or information confirmation means) and the confirmed card information (or payment means information), the customer account stored in the storage medium 495 is opened (or the VoIP terminal 498 as a virtual financial terminal) A card information checking unit 480 (or card information checking means) for confirming whether the card information (or payment means information) issued by a financial company (or affiliated company of the financial institution) is recognized; and the card information (or payment means information). If is confirmed as the card information (or payment means information) issued by the financial company (or affiliates of the financial company), the VoIP terminal 498 information that transmitted the card information (or payment means information) from the storage medium 495 Associated with A full account transfer transaction including an account verification unit 483 (or an account verification means) for confirming the account information, and the confirmed customer account information, payment amount information, and payment target information for each payment method type for account transfer payment; It is characterized in that it comprises a payment processing unit (487) (or payment processing means) for generating a processing to be approved for payment through the financial company server 435 opened the customer account.

The payment identification information (eg, one or more customer number, order number, VoIP terminal 498 information included), payment amount information, and one or more types of payment means from the seller server 490 through the payment information receiving unit 473. Payment information including one or more pieces of payment target information (eg, merchant information for card payment or seller account information for bank transfer payment) is received, and the VoIP terminal 498 is received through the card information receiving unit 470. When the card information (or payment method information) and payment identification information are received from the payment request information confirmation unit 475, the card information (or payment method information), payment amount information, and payment method matched through the payment identification information. Characterized by checking the payment request information including one or more payment target information for each type.

In addition, the card information verification unit 480 is a card information (or payment means information) issued by the financial company (or affiliated company of the financial company) is opened the customer account stored in the storage medium (495) ( Or payment method information) or card information (or payment method information) issued by a financial company (or an affiliate of the financial company) that recognizes the VoIP terminal 498 as a virtual financial terminal. do.

According to the method of the present invention, the card information checking unit 480 reads the number system of the card number (or payment means number) included in the card information (or payment means information), or the card information (or The card company information (or financial company information) included in the payment means information) is read and the card information (or payment means information) stored in the storage medium 495 is opened (or the VoIP terminal 498). It is preferable to check whether the card information (or payment means information) issued by the financial company (or the affiliate of the financial company) recognized as a financial terminal.

If the card information (or payment means information) is issued by a financial company (or affiliated company of the financial company) in which a customer account stored in the storage medium 495 is opened (or recognizes the VoIP terminal 498 as a virtual financial terminal). When the card information (or payment means information) is confirmed, the account verification unit 483 checks the information of the VoIP terminal 498 that transmitted the card information (or payment means information), and from the storage medium 495. Characterized in that the customer account information associated with the confirmed VoIP terminal 498 information.

When the customer account information associated with the VoIP terminal 498 information is confirmed, the payment processing unit 487 includes the confirmed customer account information, payment amount information, and payment target information for each payment means for account transfer payment. Full account transfer transaction (for example, withdraw a payment amount from the customer account to create a transaction request full text transfer (or transfer) to the seller account corresponding to the payment target information for each type of payment method), the generated account transfer transaction To the financial institution server 435 in which the customer account is opened (or recognizes the VoIP terminal 498 as a virtual financial terminal) so that the account transfer payment corresponding to the full transfer account transaction is processed. .

If one of ordinary skill in the art to which the present invention belongs, the financial institution server 435 in connection with the financial system through the account transfer transaction corresponding to the full account transfer transaction payment through the account transfer method Since it will be familiar with the technical features to be processed, a detailed description thereof will be omitted for convenience.

Referring to FIG. 4, the payment relay server 463 uses card information (or payment means information) issued by the financial information provider (or affiliated financial institution) by the card information verification unit 480. Or payment method information), a payment method verification unit 485 (or payment method verification means) confirming a payment method type corresponding to the confirmed card information (or payment method information), and the confirmed payment If the type of means is a card payment means, the card information (or payment means) is generated by generating a payment approval request message including the card information (or payment means information), payment amount information, and payment target information for each payment means type for card payment. The card company server 497 corresponding to the information) to process the payment approval, and if the confirmed payment method type is a bank transfer payment method, the card information (or payment method information) and the payment amount Payment processing unit for generating a bank transfer transaction that includes information, payment target information for each payment method type for account transfer payment processing to be approved through the financial company server 435 corresponding to the card information (or payment method information) (487) (or payment processing means) characterized in that it comprises.

If the card information (or payment means information) is not confirmed by the card information (or payment means information) issued by the financial company (or affiliated company of the financial company) by the card information verification unit 480, the payment means confirmation unit 485 reads the card information (or payment means information) included in the payment request information, so that the payment means type corresponding to the card information (or payment means information) is a card payment means (eg, credit card, check card). ) Or a bank transfer payment means (for example, cash card, account information, electronic bank account information).

According to the method of the present invention, the payment means confirmation unit 485 reads the number system of the card number (or payment means number) included in the card information (or payment means information), or the card information (or Read the card company information (or financial company information) included in the payment method information, and determine whether the payment method type corresponding to the card information (or payment method information) is a card payment method (for example, a credit card or a check card) or a bank transfer. It is preferable to check whether the payment means (for example, cash card, account information, electronic bank information).

If the payment means type corresponding to the card information (or payment means information) is confirmed as a card payment means, the payment processing unit 487 is the card information (or payment means information), payment amount information, payment for card payment Generate a payment approval request message including payment target information for each type of means, and transfer the generated payment approval request message to the card company server 497 corresponding to the card information (or payment method information) through the bansa server 496. By processing to be transmitted, through the card company server (497) characterized in that the processing for the card payment corresponding to the payment approval request full text is approved.

Those skilled in the art to which the present invention pertains, since the card company server (497) will be familiar with the technical features for processing the credit card corresponding to the payment approval request full text, detailed description thereof It will be omitted for convenience.

Alternatively, when the payment means type corresponding to the card information (or payment means information) is confirmed as a bank transfer payment means, the payment processing unit 487 is the card information (or payment means information), payment amount information, account transfer payment A full account transfer transaction containing payment target information for each payment method type (eg, a seller corresponding to the payment target information for each payment method by withdrawing a payment amount from a customer account corresponding to the card information (or payment method information)). Create a transaction request message to deposit (or transfer) into an account, and transfer the generated bank transfer transaction message to a financial institution server 435 corresponding to the card information (or payment means information) to the account transfer transaction message; It is characterized in that the corresponding account transfer payment is processed.

If the payment relay server 463 and the financial company server 435 is implemented in the form of an integrated server, the function of generating the full account transfer transaction is a function of the financial transaction processing unit 455 provided in the financial company server 435. Is preferably replaced with.

When the payment is processed through the payment request information, the payment processing unit 487 may transmit payment result information corresponding to the payment request information to the VoIP terminal 498 and the seller server 490.

5 is a diagram illustrating a process of connecting a secure communication channel between a VoIP terminal 498 and a financial institution server 435 according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a virtual financial terminal program (for example, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 498) in the VoIP terminal 498 shown in FIG. Start and receive the virtual financial terminal activation information from the communication relay server 400 by transmitting the VoIP terminal 498 information and security module information to the communication relay server 400 shown in FIG. After activating the virtual financial terminal function provided in the VoIP terminal 498 through the virtual financial terminal activation information, based on the virtual financial terminal function to establish a secure end-to-end secure communication channel with the financial company server 435 shown in FIG. For the process of connecting through, if the person of ordinary skill in the art to which the present invention pertains, secure communication between the VoIP terminal 498 and the financial company server 435 by referring to and / or modifying the present figure 5 Various implementation methods for the process of connecting channels may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 5, the VoIP terminal 498 shown in FIG. 3 starts a virtual financial terminal program (e.g., a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 498). By connecting (or switching) the communication channel with the communication relay server 400 shown in Figure 4 (500).

In the case of connecting (or switching) a communication channel for virtual CD / ATM based product payment through the VoIP according to an embodiment of the present invention, the customer is provided with a "product payment" provided in the key input device of the VoIP terminal 498. Button or a menu item " payment of goods " or " CA / ATM " on a menu screen outputted through the screen output means of the VoIP terminal 498, the VoIP terminal 498 is connected to the virtual machine ( Virtual Machine) to connect (or switch) the communication channel with the communication relay server 400 shown in FIG.

Or, when connecting (or switching) a communication channel for virtual CD / ATM based product payment through the VoIP, the customer connects (or switches) a voice call channel to the seller server 490 through the VoIP terminal 498 (or After connecting to the data communication channel) to indicate the purchase / payment intention, the product payment through the VoIP terminal 498 from the merchant server 490 (or financial institution server 435, or payment relay server 463) When a message (or information) requesting the request is received, the VoIP terminal 498 activates the virtual machine to connect (or switch) the communication channel with the communication relay server 400 shown in FIG. Is preferred.

If a communication channel is connected (or switched) with the communication relay server 400 (505), the VoIP terminal 498 information and the VoIP terminal 498 are linked to the communication relay server 400 through the communication channel. Confirm the security module information corresponding to the security module provided in the VoIP terminal 498, and transmits the confirmed VoIP terminal 498 information and security module information to the communication relay server 400 (510).

Thereafter, the communication relay server 400 includes a card reader and a valid security module (eg, the virtual financial terminal information) in the VoIP terminal 498 in association with the virtual financial terminal D / B 430, and provides the non-face-to-face. And a security module having a financial transaction control information and a non-face-to-face financial transaction authentication function. When the VoIP terminal 498 includes a card reader and a valid security module, the virtual financial terminal D / B ( In operation 515, the virtual financial terminal activation information associated with the VoIP terminal 498 information and the security module information is confirmed (or dynamically generated).

Herein, the virtual financial terminal activation information activates the VoIP terminal 498 to operate as a virtual financial transaction terminal (= virtual CD / ATM) by activating the security module provided in the VoIP terminal 498. As information, the security module activated by the virtual financial terminal activation information is encrypted / decrypted based on the VoIP terminal 498 and the financial institution server 435 (or the financial institution server 435 via the communication relay server 400). Connect the secure communication channel, and transmit the virtual financial terminal information provided in the security module from the VoIP terminal 498 to the financial institution server 435 through the secure communication channel, and the VoIP terminal 498. In the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function provided in the security module is preferred to process the non-face-to-face financial transaction.

If the virtual financial terminal activation information is confirmed (520), the communication relay server 400 transmits the virtual financial terminal activation information to the VoIP terminal 498 through the communication channel (525), correspondingly The VoIP terminal 498 receives the virtual financial terminal activation information through the communication channel and provides the virtual financial terminal activation information to read the virtual financial terminal activation information from the security module to activate the virtual financial terminal function of the security module. The process is processed to be (530).

If the virtual financial terminal function of the security module is activated (535), the VoIP terminal 498 is encrypted / decryption based end-to-end secure communication with the financial company server 435 in accordance with the non-face-to-face financial transaction control of the security module Connect the channel (540).

According to an exemplary embodiment of the present invention, the VoIP terminal 498 bypasses one or more communication relay servers 400 according to the non-face-to-face financial transaction control of the security module to bypass the VoIP terminal 498 and the financial company. It is desirable to connect an encryption / decryption based end-to-end secure communication channel between the servers 435.

According to another exemplary embodiment of the present invention, the VoIP terminal 498 is encrypted / decrypted between the VoIP terminal 498 and the financial company server 435 according to a virtual private network protocol according to the non-face-to-face financial transaction control of the security module. It is desirable to connect the base end-to-end secure communication channel.

6 illustrates a process of processing the VoIP terminal 498 to be recognized as a virtual financial terminal according to an embodiment of the present invention.

In more detail, FIG. 6 is connected to the financial company server 435 shown in FIG. 4 through the secure communication channel connection process of FIG. 5 in the VoIP terminal 498 of FIG. The process of transmitting the virtual financial terminal information to the financial institution server 435 to process the VoIP terminal 498 to be recognized as a virtual financial terminal (eg, a virtual CD / ATM) by the financial institution server 435. For those skilled in the art to which the present invention pertains, various inferences regarding the process of processing the VoIP terminal 498 to be recognized as a virtual financial terminal by referring to and / or modifying the drawing 6 are inferred. Although the present invention may be made, the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 6, after the secure communication channel is connected to the financial institution server 435 shown in FIG. 4 through the secure communication channel connection process of FIG. 5, the VoIP terminal 498 of FIG. The terminal 498 outputs a virtual financial terminal authentication interface to the screen output means according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module, and authenticates information (eg, through the virtual financial terminal authentication interface). PIN information about the security module) is input (600), and if authentication information is input through the virtual financial terminal authentication interface (605), the VoIP terminal 498 is a virtual financial terminal function of the security module Authentication to the authentication information by processing to provide and read the input authentication information to the security module according to a non-face-to-face financial transaction control corresponding to Check the virtual financial information from the terminal and the security module as will be (or extraction) 610.

According to another exemplary embodiment of the present invention, the VoIP terminal 498 outputs the virtual financial terminal authentication interface, and provides authentication information input through the virtual financial terminal authentication interface to the security module to be authenticated. In this case, it is preferable to check (or extract) the virtual financial terminal information from the security module according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module.

If the virtual financial terminal information is identified (or extracted) from the security module (615), the VoIP terminal 498 is the secure communication channel according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module The virtual financial terminal information is transmitted to the financial institution server 435 through 620.

Thereafter, the financial institution server 435 receives the virtual financial terminal information, reads and authenticates the received virtual financial terminal information, and verifies the validity of the virtual financial terminal of the VoIP terminal 498 (625).

If the validity of the virtual financial terminal of the VoIP terminal 498 is not authenticated (630), the financial institution server 435 transmits the virtual financial terminal error information to the VoIP terminal 498 through the secure communication channel (635). In step 640, the end-to-end secure communication channel between the VoIP terminal 498 and the financial institution server 435 is released.

On the contrary, if the validity of the virtual financial terminal of the VoIP terminal 498 is authenticated (630), the financial institution server 435 transmits the virtual financial terminal authentication information to the VoIP terminal 498 through the secure communication channel (645). In response, the VoIP terminal 498 performs a financial transaction procedure corresponding to the virtual financial terminal (eg, virtual CD / ATM) according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. do.

7 is a diagram illustrating a process of deactivating the VoIP communication function of the VoIP terminal 498 according to the embodiment of the present invention.

In more detail, FIG. 7 illustrates the VoIP terminal 498 of the VoIP terminal 498 of FIG. 3 through the virtual financial terminal recognition process of FIG. 6 from the VoIP terminal 498 of FIG. When a virtual financial terminal is recognized as a virtual financial terminal, the process of deactivating the VoIP communication function (eg, VoIP-based voice call function, or VoIP-based data communication function) of the VoIP terminal 498, Persons having ordinary skill in the art will be able to deduce various implementation methods for the process of deactivating the VoIP communication function of the VoIP terminal 498 by referring to and / or modifying the drawing of FIG. 7. All inferred implementation methods are included, and the technical features are not limited only to the implementation method illustrated in FIG.

Referring to FIG. 7, the VoIP terminal 498 shown in FIG. 3 is connected to the financial institution server 435 and the secure communication channel through the secure communication channel connection process shown in FIG. Through the virtual financial terminal recognition process, the VoIP terminal 498 is recognized as a virtual financial terminal by the financial institution server 435 shown in FIG. 4 and the virtual financial terminal function of the VoIP terminal 498 is generated by the security module. Check whether it is activated (for example, whether the virtual financial terminal authentication information is received from the financial institution server 435) (700).

If it is confirmed that the virtual financial terminal function of the VoIP terminal 498 is activated (705), the VoIP terminal 498 is a VoIP communication function (e.g., a VoIP-based voice call function, or VoIP) of the VoIP terminal 498. Based data communication function) to be deactivated (710).

According to an embodiment of the present invention, deactivating a VoIP communication function (eg, a VoIP based voice call function or a VoIP based data communication function) of the VoIP terminal 498 may be performed in addition to the communication function through the secure communication channel. It is desirable to include blocking all communication (eg, sending and receiving packets for voice call, or sending and receiving packets for data communication) through the VoIP terminal 498.

If the VoIP communication function (eg, the VoIP based voice call function or the VoIP based data communication function) of the VoIP terminal 498 is deactivated (715), the VoIP terminal 498 may be a VoIP server (eg, a gateway, Or gatekeeper) to transmit the VoIP communication deactivation information (720), and correspondingly, the VoIP server recognizes that the VoIP terminal 498 is in a call through the VoIP communication deactivation information (725).

Hereinafter, a preferred implementation method for processing a product payment through a virtual financial terminal function of the VoIP terminal 498 through the illustrated process will be described. However, those skilled in the art to which the present invention belongs, the virtual financial terminal function of the VoIP terminal 498 shown in FIG. 3 and the virtual financial terminal of the VoIP terminal 498 shown in FIG. With reference to the financial transaction function configuration through the function, it will be possible to infer the financial transaction procedure through the virtual financial terminal function of the VoIP terminal 498, a detailed description thereof will be omitted for convenience.

8 is a diagram illustrating a virtual CD / ATM screen output process for product payment through the VoIP terminal 498 according to an embodiment of the present invention.

In more detail, in FIG. 8, the VoIP terminal 498 illustrated in FIG. 3 is recognized as a virtual financial terminal (eg, CD / ATM) through the virtual financial terminal recognition process illustrated in FIG. 6, or After the VoIP communication function of the VoIP terminal 498 is deactivated through the VoIP communication function deactivation process illustrated in FIG. 7, the financial transaction item selection interface is controlled by the VoIP terminal 498 according to the non-face-to-face financial transaction control of the security module. The process of selecting a product payment menu by outputting the product, and those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 8 to make a product payment through the VoIP terminal 498. Various implementation methods for the virtual CD / ATM screen output process may be inferred, but the present invention includes all the implementation methods inferred, as shown in FIG. Only when the method is not limited this technical feature.

Referring to FIG. 8, the VoIP terminal 498 shown in FIG. 3 is recognized as a virtual financial terminal (for example, CD / ATM) through the virtual financial terminal recognition process shown in FIG. After the VoIP communication function of the VoIP terminal 498 is deactivated through the VoIP communication function deactivation process illustrated in FIG. 7, the VoIP terminal 498 is configured for non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. Accordingly, the financial transaction item selection interface including the product payment menu is output and the financial transaction item selection interface is checked to determine which one financial transaction item is selected (800).

If one financial transaction item is selected through the financial transaction item selection interface (805), the VoIP terminal 498 reads the selected financial transaction item and checks whether a product payment menu is selected (810).

If the product payment menu is not selected through the financial transaction item selection interface (815), the VoIP terminal 498 is a non-face-to-face based virtual financial terminal corresponding to the financial transaction item selected through the financial transaction item selection interface. Process the financial transaction (820).

On the other hand, if the product payment menu is selected through the financial transaction item selection interface (815), the VoIP terminal 498 is shown in Figure 9 according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module Perform the process.

9 is a diagram illustrating a card information reading process for product payment through the VoIP terminal 498 according to an embodiment of the present invention.

In more detail, in FIG. 9, when the product payment menu is selected in the VoIP terminal 498 through the process illustrated in FIG. 8, the card information is controlled according to the non-face-to-face financial transaction control of the security module in the VoIP terminal 498. The present invention relates to a process of outputting a reading interface, reading card information (or payment means information), and inputting (or confirming) payment identification information, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. 9 By referring to and / or modified to be able to infer various implementation methods for the card information reading process for product payment through the VoIP terminal 498, the present invention comprises all the inferred implementation methods, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 9, when a product payment menu is selected in the VoIP terminal 498 through the process illustrated in FIG. 8, the VoIP terminal 498 is a non-face-to-face finance corresponding to a virtual financial terminal function of the security module. In operation 900, the card information reading interface for product payment is output according to the transaction control.

If the PIN information interface is included in (or associated with) the card information reading interface (905), the VoIP terminal 498 checks whether the PIN information (or card password) is input through the PIN input interface (910). If the PIN information (or the card password) is input through the PIN input interface (915), the VoIP terminal 498 performs the PIN information according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. Validate (or card password) (920).

If the validity of the PIN information (or card password) is not verified (925), the VoIP terminal 498 outputs PIN information (or card password) input error information (930), and the PIN information (or card). Repeat the process to enter the password.

On the other hand, if the validity of the PIN information (or card password) is confirmed (925), the VoIP terminal 498 checks the validity of the PIN information (or card password) (920).

If the validity of the PIN information (or card password) is not confirmed (925), the VoIP terminal 498 outputs the PIN information (or card password) input error information (930), and repeats the above process. .

If the validity of the PIN information (or card password) is confirmed (925), or if the PIN information interface is not included in the card information reading interface (905), the VoIP terminal 498 is a virtual of the security module. The card information (or payment means information) is read through the card reader according to the non-face-to-face financial transaction control corresponding to the financial terminal function (935).

If card information (or payment means information) is read through the card reader (940), the VoIP terminal 498 reads the read card according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. The validity of the information (or payment method information) is checked (945).

If the validity of the read card information (or payment means information) is not confirmed (950), the VoIP terminal 498 outputs the card information (or payment means information) reading error information (955), and the process Repeat.

On the other hand, if the validity of the read card information (or payment means information) is confirmed (950), the VoIP terminal 498 performs the process shown in FIG.

10 is a diagram illustrating a card information transmission process for payment through a VoIP terminal 498 according to an embodiment of the present invention.

In more detail, in FIG. 10, when card information (or payment means information) is read from the VoIP terminal 498 through the process illustrated in FIG. 9, the non-face-to-face financial transaction of the security module is performed by the VoIP terminal 498. Enter the payment identification information including at least one customer number and order number through the payment identification information input interface according to the control, or one of the customer number and the order number received by the VoIP terminal 498 in the process of FIG. After confirming the payment identification information included above, or confirming the VoIP terminal 498 information assigned to the VoIP terminal 498 as payment identification information, the read card information (or payment means information) and payment identification information Regarding the process of transmitting to the payment relay server 463 shown in FIG. 4, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods for the card information transmission process for payment of goods through the existing VoIP terminal 498 may be inferred, but the present invention includes all the implementation methods inferred, and is shown in FIG. The technical features are not limited only by the method.

Referring to FIG. 10, when card information (or payment means information) is read from the VoIP terminal 498 through the process illustrated in FIG. 9, the VoIP terminal 498 receives a customer number through a payment identification information input interface. Enter payment identification information including one or more order numbers, or check payment identification information including one or more customer numbers and order numbers received by the VoIP terminal 498 in the process of FIG. In operation 1000, the VoIP terminal 498 information allocated to the VoIP terminal 498 is confirmed as payment identification information.

If the payment identification information is input (or confirmed) (1005), the VoIP terminal 498 connects a payment communication channel with the payment relay server 463 shown in Figure 4 (1010), if the payment communication When the channel is connected (1015), the card information (or payment means information) and the input (or confirmed) payment identification information is transmitted to the payment relay server 463 through the payment communication channel (1020).

11 is a diagram illustrating a product payment process through the VoIP terminal 498 according to an embodiment of the present invention.

In more detail, in FIG. 11, a customer using the VoIP terminal 498 shown in FIG. 3 purchases one or more products from the payment relay server 463 (or the financial institution server 435) shown in FIG. The payment identification information (eg, customer number and order number) shared from the seller server 490 indicating the intention to pay the purchase price for the purchased product through the VoIP terminal 498 to the VoIP terminal 498. And one or more VoIP terminal 498 information, payment amount information, and one or more types of payment target information (e.g., merchant information for card payment or merchant account information for bank transfer payment). When the payment information is received and the payment identification information and the card information (or payment means information) are received from the VoIP terminal 498 through the process illustrated in FIG. 10, the payment relay server 463 receives the payment information. Check the payment request information including card information (or payment method information), payment amount information, payment target information for each payment method type, and match the card information (or payment method information) through the payment identification information. Check whether the customer account is a card issued by a financial company (or a partner of the financial company) in which the customer terminal is opened (or the VoIP terminal 498 is recognized as a virtual financial terminal), and the card information (or payment means information) is the financial company. (Or an affiliated company), the customer account associated with the VoIP terminal 498 information transmitted from the storage medium 495 storing the VoIP terminal 498 information and the customer account information in association with the card information. As a process of confirming information and processing a payment, those of ordinary skill in the art to which the present invention pertains refer to and / or modify this drawing 11 to convert the VoIP terminal 498. Would be able to infer a variety of exemplary methods for the goods billing process, the present invention is made, including any exemplary way in which the inference, also indicated in the Figure 11 embodiment to which the method is not limited to those technical features.

Referring to FIG. 11, a customer using the VoIP terminal 498 illustrated in FIG. 3 purchases one or more products from a seller server 490, and purchases a purchase price for the purchased product through the VoIP terminal 498. When the payment intention is indicated to be settled, the payment relay server 463 may share payment identification information (eg, a customer number, an order number, and a VoIP terminal 498) from the seller server 490 with the VoIP terminal 498. Information), payment amount information corresponding to the purchase price, payment target information for each one or more types of payment methods (for example, merchant information for card payment or seller account information for bank transfer payment). Receive payment information including one or more (1100).

Alternatively, when the payment means type corresponding to the card information (or payment means information) read from the card reader provided in the VoIP terminal 498 is set as a bank transfer payment means, the payment means type included in the payment information. The specific payment target information may include seller account information for the wire transfer payment, and a payment means type corresponding to card information (or payment means information) read from a card reader provided in the VoIP terminal 498. If it is undecided, the payment target information for each payment method type preferably includes both merchant information for card payment and seller account information for bank transfer payment.

If the payment information is received from the seller server 490 (1105) and the payment identification information and card information (or payment means information) are received from the VoIP terminal 498 through the process shown in FIG. The payment relay server 463 confirms payment request information including one or more card information (or payment method information), payment amount information, and payment target information for each payment method type that are matched through the payment identification information (1110). .

If the payment request information is confirmed (1115), the payment relay server 463 is a financial company (or the financial company that opened the customer account stored in the storage medium 495, the card information (or payment means information) is confirmed) Card information (or payment method information) issued by an affiliate of the same or issued by a financial company (or an affiliate of the financial company) that recognizes the VoIP terminal 498 as a virtual financial terminal through the process illustrated in FIG. In operation 1120, the card information (or payment method information) is matched with the card information.

According to the method of the present invention, the payment relay server 463 reads the number system of the card number (or payment means number) included in the card information (or payment means information), or the card information (or payment). The card company information (or financial company information) included in the means information) is read, and the customer information in which the card information (or payment means information) is stored in the storage medium 495 is opened (or the VoIP terminal 498 is virtually financed. It is preferable to check whether the card information (or payment means information) issued by the financial company (or the affiliate of the financial company) recognized as a terminal.

If the card information (or payment means information) is issued by a financial company (or affiliated company of the financial company) in which a customer account stored in the storage medium 495 is opened (or recognizes the VoIP terminal 498 as a virtual financial terminal). If the card information (or payment means information) is confirmed (1125), the payment relay server 463 checks the information of the VoIP terminal 498 that transmitted the card information (or payment means information), and the VoIP terminal ( In operation 1130, the client account information associated with the confirmed VoIP terminal 498 information is identified from the storage medium 495 storing the information and the customer account information in association with each other.

If the customer account information is confirmed (1135), the payment relay server 463 is a full account transfer transaction including the confirmed customer account information, payment amount information, payment target information for each payment method type for account transfer payment ( For example, withdraw the payment amount from the customer account to generate a transaction request full text (or transfer) to the seller account corresponding to the payment target information for each payment method type) (1140), and generates the full account transfer transaction Transfer to a financial institution server 435 in which a customer account is opened (or recognize the VoIP terminal 498 as a virtual financial terminal) to process the account transfer payment corresponding to the full transfer account transaction (1145). The financial company server 435 processes the financial transaction corresponding to the full account transfer payment in connection with the financial system (1150).

If the financial transaction corresponding to the full transfer transaction is processed (1155), the payment relay server 463 receives the settlement result information corresponding to the full transfer transaction from the financial institution server 435 (1160). The received payment result information is transmitted to the VoIP terminal 498 and the seller server 490 (1165).

12 is a diagram illustrating a product payment process through the VoIP terminal 498 according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates a virtual finance system in which a customer account in which the card information (or payment means information) is stored in the storage medium 495 is opened (or the VoIP terminal 498) through the process shown in FIG. If the card information (or payment means information) issued by the financial company (or the affiliate of the financial company) recognized by the terminal is not confirmed, the card information (or payment) confirmed by the payment relay server 463 shown in FIG. Means information) The process of identifying a corresponding payment means type and processing the payment amount through the card information (or payment means information) according to the payment means type, which is common in the technical field to which the present invention belongs. Those skilled in the art may refer to and / or modify this drawing 12 to infer various implementation methods for the product payment process through the VoIP terminal 498. It is made, including any exemplary method inferred group, is not limited that the technical features of only the exemplary method shown in the figure 12.

Referring to FIG. 12, a virtual banking terminal is established in which a customer account in which the card information (or payment means information) is stored in the storage medium 495 is opened (or the VoIP terminal 498). If it is not confirmed by the card information (or payment means information) issued by the financial company (or affiliated company of the financial company), the payment relay server 463 is the card information (or payment means information) included in the payment request information. ), The payment means type corresponding to the card information (or payment means information) is a card payment means (e.g. credit card, check card) or a bank transfer payment means (e.g. cash card, account information, electronic Bank account information) (1200).

According to the method of the present invention, the payment relay server 463 reads the number system of the card number (or payment means number) included in the card information (or payment means information), or the card information (or payment). Read the card company information (or financial company information) included in the means information) to determine whether the payment method type corresponding to the card information (or payment means information) is a card payment means (for example, a credit card or a check card) or a bank transfer payment. It is desirable to confirm whether the means (for example, cash card, account information, electronic bank account information).

If the type of payment means corresponding to the card information (or payment means information) is confirmed as a wire transfer payment means (1205), the payment relay server 463 is the card information (or payment means information), payment amount information, A full account transfer transaction including seller account information for account transfer payment (eg, a seller account corresponding to the payment target information for each payment method type, withdrawing a payment amount from a customer account corresponding to the card information (or payment method information)). A transaction request message for depositing (or transferring) a transaction (1210), and transferring the generated account transfer transaction message to a financial company server 435 corresponding to the card information (or payment means information) to transfer the account; The bank transfer payment corresponding to the full text is processed (1215), and in response thereto, the financial institution server 435 is connected to the financial system to respond to the full text transfer payment. It processes the fusion transaction 1220.

If one of ordinary skill in the art to which the present invention belongs, the financial institution server 435 in connection with the financial system through the account transfer transaction corresponding to the full account transfer transaction in the account transfer method Since you will be familiar with the technical features of the payment processing, a detailed description thereof will be omitted for convenience.

If the financial transaction corresponding to the full transfer transaction is processed (1225), the payment relay server 463 receives the payment result information corresponding to the full transfer transaction from the financial company server (435) (1230), The received payment result information is transmitted to the VoIP terminal 498 and the seller server 490 (1235).

On the other hand, if the type of payment means corresponding to the card information (or payment means information) is confirmed as the card payment means (1205), the payment relay server 463 is the card information (or payment means information), payment amount information, card Create a payment approval request message containing the merchant merchant information for payment (1240), the card company server corresponding to the card information (or payment method information) through the Bansa server 496 generated payment approval request message ( 497, the card payment corresponding to the full payment approval request is processed (1245). In response, the card company server 497 processes the card payment corresponding to the full payment approval request (1250).

If the card payment corresponding to the payment approval request text is approved (1255), the payment relay server 463 receives payment result information corresponding to the payment approval request text from the card company server 497 (1260). In operation 1235, the received payment result information is transmitted to the VoIP terminal 498 and the seller server 490.

According to the present invention, after having a card reader and a CD / ATM-based security module in the VoIP terminal, using the possession of the customer card through the card reader as a customer authentication means, subscriber authentication through a communication company provided in the VoIP terminal After processing the VoIP terminal to be recognized as a virtual CD / ATM device by activating the CD / ATM based security module provided in the VoIP terminal based on the characteristics, the VoIP terminal is recognized as the virtual CD / ATM device. Using the card information (or payment method information) read through the card reader, the payment for the product sold by the seller server is conveniently processed without a separate authentication process, but the card information (or payment method information) is In the case of card information (or payment means information) issued by a financial company (or affiliate of a financial company) that recognizes a VoIP terminal as a virtual CD / ATM device, the card information (or payment means) Bo) and the associated customer account (for example, the settlement process has the advantage that the purchase price at a low cost through an online account contains more than one), which provides real accounts, virtual accounts, transactions of customers who bisilmyeong.

Claims

Payment identification information from the seller server-including at least one customer number, order number, VoIP terminal information-and payment amount information and payment target information by one or more payment method-Merchant information for card payment, or merchant for bank transfer payment Receiving payment information including one or more account information;

Receiving payment identification information and card information read through the card reader from a VoIP terminal having a card reader;

Confirming matching card information, payment amount information, and payment target information for each payment method type through the payment identification information;

Confirming whether the confirmed card information is a card issued by a financial company (or an affiliate of the financial company) in which the customer account is opened (or the VoIP terminal is recognized as a virtual financial terminal);

If the card information is confirmed as a card issued by the financial company (or affiliated company), the online terminal providing VoIP terminal information and customer account information-real account information of the customer's name, virtual account information, and non-real name transactions recognized as a virtual financial terminal. Identifying customer account information associated with the VoIP terminal information transmitting the card information from a storage medium storing the information in association with one or more information; And

Generating an account transfer transaction text including the confirmed customer account information, payment amount information, and payment target information for each payment method type for account transfer, and processing the payment to be approved through the financial company server in which the customer account is opened; Account linked payment method using a VoIP terminal, characterized in that comprises a.

The method of claim 1,

If the card information is not confirmed as a card issued by the financial company (or affiliated company), checking a payment means type corresponding to the confirmed card information; And

If the identified payment means is a card payment means, the card company server corresponding to the card information is generated by generating a full payment approval request message including the card information, payment amount information, and payment target information for each payment method type for card payment. If the confirmed payment means is a form of payment transfer, the account transfer transaction text including the card information, payment amount information, and payment target information for each payment method type for account transfer is generated. And processing the payment to be approved through the financial company server corresponding to the card information.

A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

A storage medium for storing VoIP terminal information and customer account information recognized as a virtual financial terminal in association with at least one of real account information, virtual account information, and non-real name online account information for providing a non-real name transaction;

Payment identification information from the seller server-including at least one customer number, order number, VoIP terminal information-and payment amount information and payment target information by one or more payment method-Merchant information for card payment, or merchant for bank transfer payment Information receiving means for receiving payment information including one or more account information and receiving payment identification information and card information from a VoIP terminal;

Information checking means for confirming matching card information, payment amount information, and payment target information for each type of payment means through the payment identification information;

Card information checking means for checking whether the confirmed card information is a card issued by a financial company (or an affiliate of the financial company) in which the customer account is opened (or the VoIP terminal is recognized as a virtual financial terminal);

Account identification means for verifying customer account information associated with VoIP terminal information transmitting the card information from the storage medium when the card information is confirmed as card information issued by the financial company (or an affiliate of the financial company);

Payment processing means for generating a bank transfer transaction that includes the confirmed customer account information, payment amount information, payment target information for each payment method type for account transfer payment processing through the financial company server opened the customer account Account interlocked payment system using a VoIP terminal, characterized in that comprises a.