KR100820267B1 - System and method for electronic decision using mobile terminal - Google Patents

Abstract

A system and a method for processing electronic approval with a mobile terminal are provided to process approval in a voice approval mode with the mobile terminal, thereby enabling a user to process the approval efficiently, quickly, and safely regardless of an approval position. A proposer terminal(100) receives approval request information from a proposer. A remote approval server(300) processes a remote approval by converting approval contents among the received approval request information into voice and providing the converted approval contents to an approver mobile terminal(500) in a voice service. An approval database(400) stores the approval request information received from the proposer terminal and approver information. A remote approval host(200) transmits remote approval request information including the approval request and approver information stored in the approval database to the remote approval server, and manages authentication of the approver. The remote approval request information is at least one of the remote approval contents, a mobile number of the approver, an authentication number, and an approval guide text message.

Description

Electronic payment system and method using a mobile terminal {System and method for Electronic Decision using mobile terminal}

The present invention relates to an electronic payment system, and more particularly, to an electronic payment system and method capable of electronic payment regardless of a place where a payment right holder is located through a voice payment method using a mobile terminal.

In general, the electronic payment system is a system that processes the approval or notification of documents using a computer network instead of paper documents, and has a function to perform the payment business quickly and safely by electronically documenting the payment documents without paper. Therefore, the electronic payment system is a payment method that can minimize the time required for payment and improve the efficiency of document creation and management by processing the payment using a communication network (network network, Internet network).

In the electronic settlement system, a drafter who uses any one of a plurality of communication terminals connected to a communication network connected to each other for electronic settlement prepares a draft, and transmits the draft to the communication terminal of a person (ie, the billing authority) who wants to receive the draft. do. At this time, the electronic payment system manages the sent drafts in a database. Accordingly, the settlement right holder accesses the electronic settlement system through the communication network using the communication terminal, checks the drafts stored in the database, and attaches the settlement or pending opinion to the database again. The drafter will be notified of the settlement completion or withholding.

Conventional technologies related to electronic payments made in this way include Korean Patent Publication No. 2003-65665 (2003.08.09) (Web-based business information management method and system), and Korean Patent Publication No. 2003-10031 (2003.02.05) (Internet-based integrated work system), etc. are publicly available.

The former is an invention that moves the process of the company's business activities on the web in real time and manages work-related information centered on the work process through the outputs, and the latter is a system that performs integrated tasks based on computer networks such as the Internet. As an Internet user, an Internet user can perform all the necessary tasks such as a dedicated web browser, groupware, knowledge management system, electronic document management system, enterprise resource management, and video conferencing with only one login through his PC terminal.

However, in the electronic payment system according to the prior art, because the billing authority must check the drafts using a plurality of communication terminals connected to the communication networks connected to each other, the billing authority can check the drafts due to the characteristics of the industry. If the situation is not close to the terminal (business trip, outing, etc.) there is a problem that can not be processed smoothly.

In other words, if the drafter needs to pay the bill, the billing authority must move directly to a location where a communication terminal (mainly using a PC) can communicate with the database. Access the payment system and visually check the drafts stored in the database. In addition, the drafter pays the settlement holder's settlement completion or suspension. In addition, the drafter must go to the location where the communication terminal can communicate with the database, and check the payment contents of the draft bill stored in the database by accessing the electronic payment system using the corresponding communication terminal. shall.

As described above, the electronic payment system according to the prior art shows the advantage of performing the payment business quickly and safely by electronically documenting the payment document without paper, but for this purpose, the drafter and the payment right holder must have a communication terminal that can be connected to a communication network connected to each other. . Also, in order to confirm this, the communication terminal must be made in a limited space where the communication terminal is located.

Therefore, the electronic payment is impossible when the business needs to be performed remotely separately from the head office, or when the payment right holder is away from the communication terminal due to the outside work. This causes the settlement rights holders to place a lot of restrictions on their external business or external activities.

The present invention has been made to solve the above problems, by performing the electronic payment by voice payment method using a mobile terminal irrespective of the place where the billing authority is located, the electronic that can ensure the efficiency, speed and stability of work The objective is to provide a payment system and method.

Another object of the present invention is to provide an electronic payment system and method that can be processed regardless of the time and place using a mobile terminal for the payment business that was not able to process the settlement right of the organization on the outside.

It is still another object of the present invention to provide an electronic payment system and method capable of electronic payment according to an electronic payment method using a mobile terminal irrespective of a place in a branch office work that needs to be performed at a remote location separately from the main office.

Another object of the present invention is to slow down the flow of work due to the delay of payment due to the absence of the billing authority of the organization and the work efficiency is also lowered, because of this, the electronic settlement system that solves the problem of being interfered with the external work or external activities of the billing authority To provide a method.

It is still another object of the present invention to provide an electronic payment system and method for implementing a communication payment method through interworking with an internet network through a telephone network and a payment draft terminal through a mobile terminal.

Features of the electronic payment system using a mobile terminal according to the present invention for achieving the above object is a billing draft terminal for the billing drafter inputs the billing request information on the billing, and the billing details of the billing request information is input And a remote payment server for performing a remote payment by providing the voice-converted payment contents to a mobile terminal of a payment right user using a telephone network.

Preferably, the payment database stores payment request information and payment holder information input from the payment drafting terminal, and remote payment request information including payment request information and payment holder information stored in the payment database to the remote payment server. Characterized in that it further comprises a remote payment host for managing the authorization process.

Preferably, the remote payment server monitors the status of a channel logically present in an automatic telephone connection unit (ACS) that attempts to make a telephone call by automatically dialing the mobile terminal number of the settlement right holder and a communication channel (ISDN_PRI) connected through a telephone network. A switch for performing an interface between the communication network and the telephone network, a voice synthesizer for converting the text of the remote payment into a voice through synthesis of at least one of character synthesis, english synthesis, and korean synthesis, and a monitoring result channel of the exchange When the status is a telephone connection state, the voice answering service (IVR) for providing a voice guidance service according to the billing authority authentication procedure and the remote payment contents changed from the voice synthesis unit to the voice service, and the mobile billing authority in the IVR Key input and sound of payment right holder which is generated corresponding to voice service provided to terminal And a voice / keytone recognition unit configured to recognize a result value based on at least one of the sex inputs.

Preferably includes a text message transmission unit for transmitting a payment guide text message to the mobile terminal number of the billing authority before attempting to connect through the automatic dialing of the automatic telephone connection unit, the automatic telephone connection unit for a predetermined time after the payment guide text message transmission; If there is no reply from the billing authority, it is characterized by attempting to make a phone call by automatically dialing the billing authority's mobile terminal number.

Preferably, the remote payment server further comprises a controller for controlling interface performance of the exchange, automatic dialing control of the ACS, and service control provided from the IVR to the mobile terminal of the payment holder.

Features of the electronic payment method using a mobile terminal according to the present invention for achieving the above object is (a) the billing drafter including the billing content and billing rights information that requires the billing using the external input of the billing drafting terminal Inputting request information, (b) changing the input text into voice through synthesis of at least one of a character synthesis, an English synthesis, and a Korean synthesis; and (c) the mobile terminal number of the settlement right holder. (D) providing the remotely requested payment information synthesized by the voice to a mobile terminal of a billing authority, and (e) the billing rights generated corresponding to the provided voice remote payment request contents. Performing a payment processing according to a remote payment request based on at least one of a key input and a voice input of the user. It is to.

Preferably, the step (c) includes storing the payment request information, generating a payment guide text message based on the stored payment request information, and transmitting the generated payment guide text message to a mobile terminal of a payment right holder. And, after the text message is transmitted, waiting for a call received from the billing authority for a designated waiting time, and if there is no reply from the billing authority during the waiting time, automatically dialing the phone number of the billing authority's mobile terminal. Characterized in that it comprises a step of trying.

Preferably (c1) after the step (c) of the step of providing a voice prompt message according to the billing authority authentication procedure, and (c2) of the key input and voice input inputted through the mobile terminal by the billing rights corresponding to the voice guidance message Detecting an authentication value based on at least one input and comparing the authentication value with a unique authentication value of a pre-stored billing authority; and (c3) repeating the steps (c1) to (c2) if the authentication value does not match. And (c4) verifying the settlement right holder if the authentication value is matched as a result of the comparison.

Another feature of the electronic payment method using a mobile terminal according to the present invention for achieving the above object is (A) the billing drafter includes the payment contents and billing rights information that requires the payment using the external input of the billing drafting terminal; Inputting payment request information, (B) storing the input payment request information, and generating a payment guide text message based on the stored payment request information; and (C) the generated payment guide text message. Transmitting the text message to the mobile terminal of the settlement right holder, (D) transmitting the text message, waiting for a call to be received from the settlement right holder for a specified waiting time, and (E) responding to the settlement right holder during the waiting time. If not, automatically dialing the mobile terminal number of the settlement right holder and attempting to make a telephone call; (F) the telephone call connection. Attempt to provide a voice prompt message according to the billing authority authentication procedure, and (G) at least one of a key input and a voice input input by the billing authority through the mobile terminal according to the voice guidance message. Detecting the authentication value based on the input and comparing the authentication value with the unique authentication value of the pre-stored billing authority; and (H) if the authentication value is matched, the remote payment request content synthesized by voice is voiced to the mobile terminal of the billing authority. And (I) recognizing a result value based on at least one of a key holder and a voice input of a billing right holder that is generated in correspondence with the provided voice remote payment request. It includes the step of performing.

Electronic payment system and method using a mobile terminal according to the present invention as described above has the following advantages.

First, maximization of work efficiency, speed, and stability are possible because the settlement authority of the organization needs to perform work remotely separately from the head office due to the nature of the work, or even when the settlement authority is separated from the communication terminal due to outside work. can do.

Second, the settlement rights of the organization can freely handle external tasks without being tied to the settlement work, it is effective to spend their time efficiently.

Third, there is an effect that can prevent the congestion of the flow of work, securing transparency and advance risk that can occur due to the absence of the settlement right of the organization.

Fourth, in the business of the branch office that needs to perform work remotely separately from the head office, by performing the electronic payment according to the electronic payment method using a mobile terminal regardless of the place, there is an effect that can improve the productivity.

Other objects, features and advantages of the present invention will become apparent from the following detailed description of embodiments with reference to the accompanying drawings.

A preferred embodiment of an electronic payment system and method using a mobile terminal according to the present invention will be described with reference to the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but can be implemented in various different forms, only the embodiments to complete the disclosure of the present invention and complete the scope of the invention to those skilled in the art. It is provided to inform you.

1 is a block diagram showing the structure of an electronic payment system using a mobile terminal according to an embodiment of the present invention.

As shown in FIG. 1, the electronic payment system uses a payment drafting terminal 100 for inputting payment request information regarding an electronic payment, and a remote payment request using payment request information and payment rights holder information stored in the payment database 400. Remote payment host 200 for transmitting information to the remote payment server 300 and manages the billing authority authentication, and converts the payment contents of the remote payment request information input from the remote payment host 200 into voice and converts the telephone network. It includes a remote payment server 300 for providing the voice-converted payment information to the mobile terminal 500 of the payment rights holder to perform a remote payment.

The payment draft terminal 100 is generally a PC connected to an internet network or a network (hereinafter, referred to as a “communication network”), and includes a display unit (monitor, etc.) and an external input unit (keyboard, mouse, etc.). Therefore, when the billing drafter inputs the billing request information using the external input unit of the billing drafting terminal 100, the billing request information is transmitted to the remote billing host 200 through a communication network. When the payment request information is registered in the remote payment host 200, the payment draft terminal 100 receives a registration result from the remote payment host 200 and displays the registration result on the display unit. In addition, even when the settlement process of the settlement right holder is completed, the processing result information input from the remote settlement host 200 is displayed on the display unit.

The remote payment host 200 stores and manages newly requested or previously held payment requests in the payment database 400 through the payment draft terminal 100 and manages the payment database in the remote payment server 300. Remote payment request information, including payment request information and payment rights holder information stored in 400 is transmitted. Then, the authentication of the billing authority authentication request inputted from the remote settlement server 400 is performed using the settlement information management stored in the settlement database 400. In addition, the remote payment server 400 transmits the processing result information of the remote payment request to the payment drafting terminal 100. At this time, the remote payment request information transmitted to the remote payment server 300 includes the requested remote payment information, the corresponding payment holder information (personal information including a mobile terminal number), and payment guide text message (SMS).

The remote payment server 300 is a module for performing a remote payment request input from the remote payment host 200, a text message transmission unit 310 and an automatic call connection (ACS) as shown in FIG. And a voice synthesizer 330, an interactive voice response (VR) 340, an exchange 350, and a voice / keytone recognition unit 360. And a controller (not shown) for controlling the devices.

The text message transmission unit 310 is to send a payment guide text message (SMS) based on the mobile terminal number included in the payment rights holder information input from the remote payment host 200 to pay the payment rights to the corresponding payment rights holder (SMS) Notify of payment

The automatic telephone connection unit (ACS) 320, if the settlement message is notified by the text message transmission unit 310 using the payment guide text message, if there is no reply of the settlement right for a certain time, the mobile terminal number of the settlement right holder Attempts to connect by auto dialing to.

The exchange 350 monitors the status of a channel logically present in a communication channel ISDN_PRI connected through a telephone network (telephone connection, busy, power off, etc.) and performs an interface between the communication network and the telephone network. do. In this case, the switch 350 is preferably at least one of a public switched telephone network (PSTN), a digital line interface, and a private branch exchange (PBX).

The voice synthesizing unit 330 changes the text characters, which are remote payment contents included in the information on the billing authority input from the remote settlement host 200, into voice through character synthesis, English synthesis, Korean synthesis, and the like.

In addition, when the channel state is a telephone connection state as a result of the monitoring of the switch 350, the voice response service (IVR) 340 and the voice guide service according to the payment authority authentication procedure and the voice synthesizer 330 Remote payment information changed to voice is provided to the mobile terminal 500 of the billing rights as a voice service.

The voice / keytone recognition unit 360 recognizes a result value based on the key holder's key input or voice input generated in response to the voice service provided to the mobile terminal 500 of the billing holder in the IVR 340. For reference, as an example of a method of recognizing the result value, a corresponding result value may be detected by converting an input volume into an electric signal and matching the result value set according to the level of the electric signal.

In addition, the controller (not shown) controls the performance of the interface of the switch 350, reports the payment guide text message, and attempts to automatically dial the ACS 320 when there is no reply from the settlement right holder for a predetermined time. To control. In addition, the controller controls the IVR 340 to selectively provide a voice guidance service and a remote payment contents voice service according to an authentication procedure provided from the IVR 340 to the mobile terminal 500 of the settlement right holder.

The operation of the electronic payment system using the mobile terminal according to the present invention configured as described above will be described in detail with reference to the accompanying drawings.

3 is a flowchart illustrating an electronic payment method using a mobile terminal according to an embodiment of the present invention.

Referring to Figure 3, the billing drafter uses the external input of the billing drafting terminal 100, the billing request information including the billing content and billing rights information (personal information including the mobile terminal number, etc.) that needs to be billed. Enter it. Then, the input payment request information is transmitted to the remote payment host 200 through a communication network (S100).

The remote payment host 200 stores the payment request information input from the payment draft terminal 100 in the payment database 400 and registers the requested payment request (S210). In this case, when the payment request is registered, it is preferable to transmit the registration result information to the payment drafting terminal 100 of the requesting drafter (S120).

Thereafter, the remote payment host 200 generates a payment guide text message (SMS) based on the payment request information and payment rights holder information stored in the payment database 400 (S220), and the generated payment guide text message and the Remote payment request information included in the payment request information is transmitted to the remote payment server 300 (S230). At this time, the payment guide text message generated is a text message, for example, "A remote payment request has been entered for the current payment right holder ooo."

The text message transmitting unit 310 in the remote payment server 300, the payment guide text message input from the remote payment host 200 through the exchange 350 using the mobile terminal number stored in the remote payment request information payment rights The mobile terminal 500 transmits the rule to the mobile terminal 500 (S310). In this case, the payment guide text message is, for example, a message, “A remote payment request has been input to the current payment right holder ooo.” It may be a voice message containing the above contents. As a result, the billing holder may be aware that there is a billing condition to be billed by confirming the message transmitted through his mobile terminal.

The remote payment server 300 transmits a text message to the payment right holder, and waits for a call from the payment right holder for a predetermined time. In this case, the predetermined time is a predetermined time, which may be changed from time to time according to a few seconds, minutes, hours, etc. (hereinafter, referred to as 'waiting time').

When the automatic telephone connection unit (ACS) 320 in the remote settlement server 300 has notified the settlement right of the settlement right through the settlement guide text message, but there is no reply of the settlement right for the designated waiting time, the mobile terminal of the settlement right holder Attempt to connect by dialing the number automatically (S312). For reference, whether or not the call is received is determined as a telephone connection, a call, a power off, etc. through channel monitoring of the switch 350.

If the call connection attempt result (S313), the mobile terminal 500 of the billing authority is busy (S314), or if the call fails because the power is off (S315), or in the process to be described below When the self payment is suspended (S324), the remote payment request information is transmitted to the remote payment host 200 (S316). At this time, it is desirable to set different waiting times according to the results. As an example, when the call is in progress (S314), the waiting time is set to 30 seconds, when the power is turned off (S315), the waiting time is set to 10 minutes, and when the payment is held (S316), the waiting time is 30 minutes. It is preferable to set to.

In this regard, the remote payment host 200 stores the input remote payment request information in the payment database 400 and transmits the remote payment request information to the remote payment server 300 again after the set waiting time to request the payment again. (S230).

In addition, when the telephone connection attempt result (S313), the telephone connection with the mobile terminal 500 of the billing authority, the voice answering unit (Interactive Voice Response: IVR) 340, according to the control of the control unit according to the billing authority authentication procedure Provide a voice guidance service (S317). As an example, “Payment service. Please press the verification number. ”

The payment right holder who received the voice message touches the key corresponding to the unique authentication number through the key input unit of the mobile terminal 500 and continuously inputs the key corresponding to the authentication number. The input key is input to the voice / key tone recognition unit 360 and converted into an electrical signal based on the corresponding key tone. The key number input by the billing authority is detected by detecting one result value matching the level of the electric signal converted by the voice / keytone recognition unit 360 among the preset result values according to the electric signal level. do.

On the other hand, the payment right may be provided through a voice input directly, without entering a unique authentication number through the key input unit of the mobile terminal 500. Of course, voice input includes a method of receiving a set authentication number by voice and a method of receiving a voice itself. Therefore, when the settlement right is provided with the voice guidance service according to the authentication procedure, the user inputs his or her name or the voice of the set contents, and the input voice is also input to the voice / keytone recognition unit 360 and converted into an electrical signal. The number can be detected. For reference, in order to use the voice input, the voice / key tone recognition unit 360 should have a built-in voice recognition engine or a function capable of interworking with a voice recognition server. For reference, a method for speech recognition is a well-known technique, and various embodiments are possible by those skilled in the art, and thus detailed description thereof will be omitted.

As such, the voice / keytone recognition unit 360 may recognize only a voice input, may recognize only a key input, and may recognize both a voice and a key input.

The remote payment server 300 transmits the authentication number detected based on at least one of a key input and a voice input to the remote payment host 200 through the voice / keytone recognition unit 360. (S318).

The remote payment host 200 retrieves the authentication number of the corresponding payment holder stored in the payment database 400 by using the payment holder information input from the remote payment server 300, the retrieved authentication number and the remote payment server 300 Compare the authentication number entered in the (S240).

And if the comparison result (S240), if the authentication number does not match the authentication failure information is transmitted to the remote payment server 300, the IVR (340) through the control of the control authority of the settlement rights holder voice guidance service according to the authorization holder's Provided back to the mobile terminal 500 (S317). At this time, it is preferable to increase the authentication security by limiting the process of re-authentication after authentication failure three times.

In addition, when the comparison result (S240), the authentication number is matched, the authentication success information is transmitted to the remote payment server 300, the IVR (340) through the control of the control unit in the voice synthesizer 330 to the voice content The synthesized remote payment request is provided to the mobile terminal 500 of the billing authority as a voice service.

In this case, when the number of payments to be paid by the settlement right holder is two or more (S319), a selection number is set for each settlement number (S320) to provide a voice service to guide the settlement rights holder to select one of the settlement target numbers. It is preferable to (S321). For example, “There are x withdrawal requests. 00 won withdrawal by aaa number 1, 00 won withdrawal by bbb number 2, 00 won withdrawal by ccc. Please press the number you wish to pay ”.

And if the number of payments to be paid by the billing authority is one case, or if the billing authority selects one of a plurality of billing target numbers (S319), the contents of the corresponding remote settlement and payment classification guidance is provided (S322). For example, “xx's 1 billion withdrawal payment. Please enter 1 for payment, 2 for suspension and 3 for cancellation. ”

Accordingly, the voice / keytone recognition unit 360 recognizes the result value based on the key holder's key input or voice input generated corresponding to the voice service provided to the mobile terminal 500 of the billing holder and processes the corresponding remote payment request ( S324). And the detected authentication number is transmitted to the remote payment host 200 with the payment holder information is stored in the payment database 400 (S250).

Subsequently, the remote settlement host 200 transmits the processing result information of the settlement right of the settlement right holder to the settlement draft terminal 100 (S130).

On the other hand, if the payment right continues to request the payment (S325) IVR 340 provides a voice service to guide the payment right again to select one of the payment target number through the control of the controller (S321). When the settlement right holder requests to end the settlement (S325), the electronic settlement system ends (S326).

Although the technical spirit of the present invention described above has been described in detail in a preferred embodiment, it should be noted that the above-described embodiment is for the purpose of description and not of limitation. In addition, those skilled in the art will understand that various embodiments are possible within the scope of the technical idea of the present invention. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

First, it is possible to process important payments such as loans or withdrawals quickly and stably through a mobile terminal while a bank president is moving in an enterprise or a bank or an external business.

Second, it can be expanded to the entire company to secure diversity of payment business process, and can be expanded to an environment that can utilize advanced IT technology by securing the accuracy and promptness of business process and implementing remote payment solution through various media.

1 is a block diagram showing the structure of the electronic payment system using a mobile terminal according to an embodiment of the present invention

2 is a configuration diagram showing in more detail the structure of the remote payment server of FIG.

3 is a flowchart illustrating an electronic payment method using a mobile terminal according to an embodiment of the present invention.

* Explanation of symbols for main parts of the drawings

100: payment draft terminal 200: remote payment host

300: remote payment server 310: text message transmission unit

320: automatic telephone connection unit (ACS) 330: voice synthesis unit

340: voice answering unit (IVR) 350: switchboard

360: Voice / keytone recognition unit 400: Payment database

500: mobile terminal

Claims (14)

Payment drafting terminal that the billing drafter enters the billing request information about the billing, And a remote payment server for converting the payment contents of the input payment request information into voice and providing the voice converted payment contents as a voice service to a mobile terminal of a payment holder using a telephone network to perform a remote payment. Electronic payment system using a mobile terminal. The method of claim 1, A payment database for storing payment request information and payment rights holder information input from the payment drafting terminal; The electronic payment using a mobile terminal, characterized in that it further comprises a remote payment host for transmitting the remote payment request information, including payment request information and payment rights information stored in the payment database to the remote payment server and manages the payment rights holder authentication processing. system. The method of claim 2, The remote payment request information is an electronic payment system using a mobile terminal, characterized in that at least one or more of the requested remote payment content, the mobile number of the billing rights holder, a unique authentication number, payment guide text message. The method of claim 1, wherein the remote payment server An automatic telephone connection unit (ACS) that attempts to connect by automatically dialing the mobile terminal number of the billing authority; An exchanger that monitors the status of channels logically existing within the communication channel ISDN_PRI connected through the telephone network, and performs an interface between the communication network and the telephone network; A voice synthesizer for changing the text, which is the remote payment contents, into a voice through synthesis of at least one of character synthesis, english synthesis, and korean synthesis; A voice answering unit (IVR) for providing a voice guidance service according to the billing authority authentication procedure and remote payment contents changed from the voice synthesizer to a voice service as a voice service when the channel state is a phone connection state; A mobile terminal comprising a voice / keytone recognition unit for recognizing a result value based on at least one of a billing rights key input and a voice input generated corresponding to a voice service provided to the billing rights mobile terminal in the IVR. Electronic payment system using. The method of claim 4, wherein The switch is an electronic payment system using a mobile terminal, characterized in that at least one of a public switched telephone network (PSTN), a digital line interface, a private branch exchange (PBX). The method of claim 4, wherein It includes a text message transmission unit for transmitting a payment guide text message to the mobile terminal number of the billing authority before attempting to connect through the automatic dialing of the automatic telephone connection unit, The automatic telephone connection unit is an electronic payment system using a mobile terminal, characterized in that for attempting to make a telephone connection by automatically dialing the mobile terminal number of the billing authority when there is no reply from the billing authority for a predetermined time after transmitting the payment guide text message. The method of claim 4, wherein the remote payment server And a controller for controlling interface performance of the exchange, automatic dialing control of the ACS, and service control provided from the IVR to the mobile terminal of the settlement right holder. (a) the billing drafter inputting the billing request information including the billing contents and the bill holder information required for billing using an external input unit of the billing drafting terminal; (b) changing the text, which is the input content, into voice through synthesis of at least one of a character synthesis, an English synthesis, and a Korean synthesis; (c) automatically dialing the billing authority's mobile terminal number and making a telephone call through a telephone network; (d) providing the remote payment request contents synthesized and converted into the voice to a mobile terminal of a payment right holder using a voice service; (e) performing a payment processing according to a remote payment request based on at least one of a key input and a voice input of a billing authority generated in response to the provided voice remote payment request contents; Electronic payment method using a terminal. The method of claim 8, wherein step (c) Storing the payment request information and generating a payment guide text message based on the stored payment request information; Transmitting the generated payment guide text message to a mobile terminal of a payment right holder; After the text message is sent, waiting for a call received from the billing authority for a designated waiting time; And if there is no reply from the billing authority during the waiting time, automatically dialing the billing authority's mobile terminal number and attempting to make a phone call. The method of claim 8, (c1) providing a voice guidance message according to the settlement right holder authentication procedure after step (c); (c2) detecting an authentication value based on at least one of a key input and a voice input inputted through a mobile terminal by a settlement right holder according to the voice guidance message and comparing the authentication value with a unique authentication value of a previously settled right holder; (c3) repeating the steps (c1) to (c2) if the authentication value does not match; (c4) The electronic payment method using the mobile terminal, characterized in that further comprising the step of verifying the payment holder if the authentication value is matched, the comparison result. (A) the billing drafter inputs the billing request information including the billing contents and the bill holder information required for billing using an external input unit of the billing draft terminal; (B) storing the input payment request information and generating a payment guide text message based on the stored payment request information; (C) transmitting the generated payment guide text message to the mobile terminal of the payment right holder, (D) after the text message is sent, waiting for a call from a corresponding payment holder for a designated waiting time; (E) attempting to make a telephone call through the telephone network by automatically dialing the billing authority's mobile terminal number if there is no reply from the billing authority during the waiting time; (F) providing a voice guidance message according to the settlement right holder authentication procedure when the telephone connection attempt results in a telephone connection state; (G) detecting an authentication value based on at least one of a key input and a voice input inputted through the mobile terminal by the settlement right holder according to the voice guidance message and comparing the authentication value with a unique authentication value of the previously settled right holder; (H) providing the remote payment request contents synthesized into voice when the authentication value is matched to the mobile terminal of the billing authority through a voice service through a telephone network; (I) performing a payment processing according to the remote payment request by recognizing a result value based on at least one of a key input and a voice input of the billing rights generated in response to the provided voice remote payment request content; Electronic payment method using a mobile terminal, characterized in that. The method of claim 11, As a result of the telephone connection attempt, if the telephone connection fails, the steps (B) to (E) are repeated by transmitting the corresponding remote payment request information to the remote payment server again after the set waiting time. Electronic payment method using a mobile terminal, characterized in that. The method of claim 11, And if the authentication value is not matched, repeating the steps (f) to (g). The method of claim 11, And transmitting the processing result information of the payment processing completed to the payment draft terminal.

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