KR100862736B1 - Method for Processing Payment by Using Cable Phone and Recording Medium - Google Patents

Abstract

The present invention relates to a payment processing method using a wired telephone and a program recording medium for the same. The payment processing method according to the present invention includes customer wired telephone number information and customer payment means (account, credit card, Information storage step of linking at least one payment means (including at least one check card, prepaid card, etc.) information with at least one payment processing target information and storing the information on a predetermined storage medium; Information for confirming the number information of the wired telephone connected to the call by information checking means, and identifying at least one or more payment processing target information associated with the wired telephone number in association with the storage medium (or storage medium operating means). A confirming step, and at least one or more of said identified telephone lines connected to said call in a predetermined information processing means; After guiding payment processing target information, receiving one payment processing target selection signal for requesting payment processing among the at least one payment processing target information from the landline, the selected payment processing target information and the storage medium. An information processing step of transmitting the customer payment means information associated with the pre-stored telephone number to a payment processing means corresponding to the payment means, and using the payment processing target information and the customer payment means information in the payment processing means; And a payment processing step of performing a payment processing for the payment processing target.

Landline, payment processing

Description

Method for Processing Payment by Using Cable Phone and Recording Medium}

1 is a diagram illustrating an information registration system for payment processing according to an embodiment of the present invention.

2 is a diagram illustrating an information registration process for payment processing according to an embodiment of the present invention.

3 is a view showing a payment system according to an embodiment of the present invention.

4 is a diagram illustrating a process of receiving customer account-based payment processing information from a landline phone according to an embodiment of the present invention.

5 is a flowchart illustrating a payment processing process using a customer account according to an exemplary embodiment of the present invention.

6 illustrates a payment approval process using a customer account according to an embodiment of the present invention.

7 is a diagram illustrating a process of receiving customer account-based payment processing information from a landline according to another embodiment of the present invention.

8 illustrates a payment approval process using a customer account according to another exemplary embodiment of the present invention.

9 is a diagram showing a payment system according to another embodiment of the present invention.

10 is a diagram illustrating a process of receiving credit card based payment processing information from a landline according to one embodiment of the present invention.

11 is a flowchart illustrating a payment processing process using a credit card according to an embodiment of the present invention.

12 illustrates a payment approval process using a credit card according to an embodiment of the present invention.

13 is a diagram illustrating a process of receiving credit card based payment processing information from a landline according to another embodiment of the present invention.

14 is a flowchart illustrating a payment approval process using a credit card according to another exemplary embodiment of the present invention.

15 is a diagram illustrating a payment system according to another exemplary embodiment of the present invention.

16 is a diagram illustrating a process of receiving check card based payment processing information from a landline according to one embodiment of the present invention.

17 is a flowchart illustrating a payment processing process using a check card according to an embodiment of the present invention.

18 illustrates a payment approval process using a check card according to an embodiment of the present invention.

19 is a diagram illustrating a process of receiving check card-based payment processing information from a landline according to another embodiment of the present invention.

20 illustrates a payment approval process using a check card according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: authentication information setting unit

130: storage medium 135: client terminal

300: payment processing server 305: payment processing unit

310: approval processing unit 315: call path setting unit

320: signal sound processing unit 325: information processing unit

330: information confirmation unit 335: voice information provider

340: information transmission unit 345: financial system

The present invention is a payment method for performing a payment processing by connecting a call channel through a predetermined wired telephone after the customer wired phone number, customer account information, and payment processing target information for the payment processing is stored in a predetermined storage medium linked to the processing; It is about.

Conventionally, a method of paying utility bills, tuition fees, tuition fees, etc., is a method of paying directly through the storage requesting institution and paying by cash and / or card payment, optical character recognition (OCR) and / or magnetic ink character recognition (MICR). There is a method of visiting and paying a predetermined storage institution (eg, a bank, a post office, etc.) through a giro paper, and a method of paying using an internet payment system.

Among the payment methods described above, the payment method using the Giro paper is inconvenient that the payer should visit the bank directly with the Giro paper. Also, the payment method using the Internet payment system also depends on the Internet payment procedure. It is inconvenient to perform complicated information input process.

However, the payment method using the Giro paper and the payment method using the Internet payment system are mainly used by institutions that issue a large amount of bills such as utility bills, and small institutions such as school tuition fees and / or building rents. In the case of (or businesses), a very inconvenient payment method is used in which the payer visits the institution (or company) and pays through cash and / or credit card payment.

In particular, in the case of paying the school tuition fee of the child, parents visit the school directly and pay the tuition fee, or transfer the school tuition fee to the school through the child is mainly used. Not only is it very inconvenient, it also carries the risk of loss.

An object of the present invention, when the call is connected to the customer landline phone, to check the number information of the landline phone connected to the call, and to store the customer landline number information and customer payment means information and at least one payment processing target information in association In connection with a storage medium (or storage medium operating means), at least one or more payment processing target information and payment means information associated with the landline telephone number, and confirming the at least one payment processing with the wired telephone connected to the call; Guides the target information, and when the payment processing request information is received from the landline, a payment processing method using a wireline telephone for transmitting the payment processing target information and the customer payment means information to a payment processing means corresponding to the payment means; In providing.

In the payment processing method using a landline telephone according to the present invention, the customer landline telephone number information and customer payment means (payment means including at least one account, credit card, check card, prepaid card, etc.) in a predetermined information storage means; And storing information in at least one storage medium by interworking at least one payment processing target information-payment merchant information, payment amount information, and payment processing target information including at least one payment target information. When the call is connected to the customer landline telephone, the predetermined information checking means checks the number information of the wireline telephone connected to each other, is linked with the storage medium (or storage medium operating means), and is linked with the landline telephone number. An information checking step of checking at least one payment processing target information; Any payment processing object for guiding the identified at least one payment processing object information to the wired telephone connected to the call from a predetermined information processing means, and requesting a payment processing among the at least one payment processing target information from the wire telephone. An information processing step of transmitting the selected payment processing target information and customer payment means information associated with the wired telephone number previously stored in the storage medium to a payment processing means corresponding to the payment means after receiving the selection signal; And a payment processing step of performing the payment processing on the payment processing object by using the payment processing object information and the customer payment means information in the payment processing means.

On the other hand, the payment processing method using a landline telephone according to the present invention, the predetermined means for storing the customer landline telephone number information and customer payment means (account, credit card, check card, prepaid card, etc.) Information storage step of linking the information and at least one payment processing target information and storing the information in a predetermined storage medium; When the call is connected to the customer landline telephone, at least a predetermined information check means checks the number information of the landline telephone connected to the call, and associates with the storage medium (or storage medium operating means), at least in association with the landline telephone number. An information checking step of checking at least one payment processing target information; A predetermined information processing means guides the identified at least one payment processing target information to the landline telephone connected to the call, and any one payment requesting a payment processing of the at least one payment processing target information from the landline telephone. After receiving the processing target selection signal and the payment amount information, the selected payment processing target information and payment amount information and the customer payment means information associated with the landline telephone number previously stored in the storage medium corresponding to the payment means An information processing step of transmitting to the processing means; And a payment processing step of performing payment processing on the payment processing target by using the payment processing target information, payment amount information, and customer payment means information in the payment processing means.

On the other hand, the payment processing method using a landline telephone according to the present invention, the predetermined means for storing the customer landline telephone number information and customer payment means (account, credit card, check card, prepaid card, etc.) Information storage step of linking and storing the information and the payment processing target information-payment merchant information, payment amount information, and payment processing target information including at least one payment target information-in a predetermined storage medium; When the call is connected to the customer landline telephone, the predetermined information checking means checks the number information of the landline telephone connected to the call, and is linked with the storage medium (or storage medium operating means), and the payment is linked to the landline telephone number. An information checking step of confirming processing target information; The predetermined information processing means guides the confirmed payment processing target information to the wired telephone connected to the call, receives payment approval information for the payment processing target information from the wire telephone, and then stores the payment processing target information and the storage. An information processing step of transmitting customer payment means information associated with the wireline telephone number previously stored in a medium to a payment processing means corresponding to the payment means; And a payment processing step of performing the payment processing on the payment processing target by using the payment processing target information and the customer payment means information in the payment processing means.

According to the present invention, the payment processing method using the wired telephone further comprises an information transmitting step of transmitting the payment processing details to the payment processing object and / or the customer communication means in a predetermined information transmitting means. It is done.

In the payment processing method using a wired telephone according to the present invention, after requesting customer authentication information from the wired telephone connected to the call in a predetermined information processing means, receiving customer authentication information from the wired telephone, the customer and / or wired Characterizing the validity of the telephone further comprises.

According to the present invention, in the payment processing step, if the payment means associated with the customer landline is an account, the payment processing means checks the balance of the customer account, and withdraws the amount corresponding to the payment request. Confirming; If the withdrawal result is possible, processing the approval in the payment processing means corresponding to the payment request; The account withdrawal corresponding to the payment processing is transmitted from the server on the communication network connected to the payment processing means to the customer communication means, and when the account withdrawal approval information is received from the customer communication means, the notification is sent to the payment processing means. Doing; And converting the approval process into an approval process based on the account withdrawal approval information in the payment processing means.

In addition, when the payment means associated with the customer landline is a credit card, checking the credit limit of the customer credit card in the payment processing means, to determine whether the approval processing of the amount corresponding to the payment request; Processing the approval in response to the payment request in the payment processing means when the approval result approval processing is possible; Transmitting the payment processing details from the server on the communication network connected to the payment processing means to the customer communication means, and notifying the payment processing means if the approval information for the payment processing is received from the customer communication means; And converting the approval process into an approval process on the basis of the approval information in the payment processing means.

In addition, when the payment means associated with the customer landline telephone is a check card, the payment processing means checks the payment account corresponding to the customer check card, and in connection with the account management means for managing the payment account, the payment Checking whether the amount of money can be withdrawn corresponding to the request, and requesting the payment account to set an amount of money withdrawal prevention lock corresponding to the payment request; Transmitting the payment processing details from the server on the communication network connected to the payment processing means to the customer communication means, and notifying the payment processing means if the approval information for the payment processing is received from the customer communication means; And requesting to cancel the lock and withdraw the payment amount set in the payment account to the account management means on the basis of the approval information in the payment processing means.

According to the present invention, the payment processing step, by checking the customer payment means information in the payment processing means, checking whether the payment processing corresponding to the payment request; If the settlement result is possible, processing the approval in the payment processing means corresponding to the payment request; Registering the approval processing details on a predetermined website in a server on a communication network connected to the payment processing means; When the customer accesses the website, a predetermined website operation means presents the registered approval details to the customer, and if the customer approves the payment processing corresponding to the approval details, the payment processing is performed. Notifying by means; And converting the approval process into an approval process based on the approval information of the customer in the payment processing means.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described payment processing method using a landline telephone.

On the other hand, the payment processing system using a landline telephone according to the present invention, if the call is connected to the customer landline phone, check the number information of the call-connected landline phone, customer landline number information and customer payment means information and at least one payment Information checking means for confirming at least one payment processing object information and payment means information associated with the landline telephone number in association with a storage medium (or a storage medium operating means) for cooperatively processing and storing processing target information; Payment information guide means for guiding the identified at least one payment processing object information to the wired telephone connected to the call; And information processing means for transmitting the payment processing target information and the customer payment means information to the payment processing means corresponding to the payment means, when the payment processing request information is received from the wire telephone.

According to the present invention, the payment information guide means, characterized in that further guide the confirmed payment means information to the wired telephone connected to the call.

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 thereof 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 the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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.

1 is a diagram illustrating an information registration system for payment processing according to an embodiment of the present invention.

In more detail, in FIG. 1, a predetermined client terminal 135 accesses an information registration system through a predetermined network means to display a customer landline number, customer payment means information, and payment processing target information for payment processing according to the present invention. As a system configuration for storing in association with the storage medium 130, those of ordinary skill in the art to which the present invention pertains, the information registration system configuration for payment processing by referring to and / or modifying the drawing 1 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means for storing the customer landline number, customer payment means information and payment processing target information provided from the client terminal 135 on the storage medium 130 on the information registration system shown in FIG. And / or a component corresponding to the functional configuration is referred to as " information registration server " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for payment processing according to the present invention includes at least one client terminal 135 connected to a predetermined network means, and at the client terminal 135. A storage medium 130 for linking and storing the customer wire telephone number, customer payment means information, and payment processing target information to be transmitted, and the client terminal 135, and are connected through a predetermined network means, And an information registration server 100 which receives the customer wire telephone number, the customer payment means information, and the payment processing target information transmitted through the storage medium 130 in association with the storage medium 130.

The client terminal 135 is a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). At least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 through a communication system, and / or connected to a code division multiple access (CDMA) based mobile communication network. At least one wireless terminal comprising at least one mobile communication terminal and / or a portable internet terminal connected to an IEEE 802.16 based high speed wireless internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network Characterized in that it comprises above, the client terminal 135 is provided by the information registration server 100 A function configuration (eg, a browser program and a communication function) for outputting at least one interface screen, and inputting and / or selecting at least one information through the interface screen and transmitting the selected information to the information registration server 100. It is preferable that it is done.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 135 corresponding to at least one wired terminal and / or a wireless terminal. Is omitted for convenience.

According to an embodiment of the present invention, when the client terminal 135 is a wired terminal, the network means includes the TCP / IP based wired network, and when the client terminal 135 is a wireless terminal, The network means preferably comprises at least one of the CDMA based mobile communication network, and / or IEEE 802.16 based high speed wireless Internet, and / or DataTAC / Mobitex based wireless data communication network.

The storage medium 130 provided on the information registration system according to the present invention is characterized in that the customer wire telephone number transmitted from the client terminal 135, the customer payment means information and payment processing target information is stored in a cooperative process. do.

Here, the customer landline telephone number includes all telephone numbers complying with the telephone numbering system of the ITU-T Recommendation E.164 standard of the International Telecommunication Union (ITU), and is preferably a public switched network. Preferably, the terminal comprises at least one call terminal connected to a Telephone Network (PSTN) and / or a voice terminal connected to a Voice over Internet Protocol (VoIP) network.

In addition, the customer payment means information includes all the customer account information, credit card information, check card information, prepaid card information, etc. that the customer can process a predetermined payment amount in the payment processing process for at least one payment merchant It is preferable to comprise.

When the customer payment means is a customer account, the customer payment means information (customer account information) preferably comprises the customer account number and the name of the account holder, in addition to at least one or more information according to the intention of those skilled in the art have.

In addition, when the customer payment means is a credit card, the customer payment means information (credit card information) includes the TRACK II information such as the credit card number, expiration date, card issuer, and English name of the card holder. Preferably, at least one or more information may be further included according to the intention of the person skilled in the art.

When the customer payment means is a check card, the customer payment means information (check card information) includes TRACK II information such as the check card number, expiration date, card issuer, and English name of the card holder. Preferably, at least one or more information may be further included according to the intention of the person skilled in the art.

In addition, when the customer payment means is a prepaid card, the customer payment means information (prepaid card information) is made including the prepaid card number and the amount charged, and in the case of a named prepaid card further comprises the cardholder information In addition, at least one or more information may be further included according to the intention of the person skilled in the art.

The payment processing target information may include at least one payment merchant information, payment amount information, and payment target information.

According to an embodiment of the present invention, the payment merchant information is institution information requesting the customer to pay at least one or more payment amounts, and the payment merchant is a school used by the customer (or a child of the customer), and / or the It includes all institutions that periodically charge (or irregularly) a certain amount of payment to the customer, such as newspapers / magazines that the customer subscribes to, and the management office of the apartment in which the customer lives. The present invention is not limited.

According to an embodiment of the present invention, the payment merchant information preferably comprises payment merchant specific information for identifying a particular payment merchant among at least two payment merchants, the payment merchant specific information is provided in the payment merchant Terminal information provided in a predetermined payment terminal, and / or merchant information assigned to the payment merchant by a financial institution (eg, a bank, a card company, etc.) corresponding to the customer payment means, and / or a business registration number of the payment merchant (And / or corporate registration number), and / or representative information including the resident registration number of the representative of the payment merchant preferably comprises at least one or more.

In addition, the payment merchant information preferably further comprises the payment merchant account information (or deposit account information) to be the amount of payment processed through the customer payment means, whereby the payment processing process according to the invention It can be easily processed.

According to an embodiment of the present invention, the information registration server 100 communicates with the client terminal 135 through the network means in order to provide a web interface corresponding to the client terminal 135 and the network means. And an interface unit 105 for connecting and managing channels, whereby the information registration server 100 is connected to the client terminal 135 via a wired network and / or a wireless network. It has the function of a server.

According to an exemplary embodiment of the present invention, when the client terminal 135 is a wired terminal to which a communication channel is connected through a TCP / IP based wired network, the interface unit 105 connects to the client terminal 135 and HTTP ( An interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is connected to the client terminal 135 through a communication channel based on a Hyper-Text Transfer Protocol protocol. It is preferable to perform a function of transmitting and outputting the data, and receiving and processing a predetermined customer wire telephone number, customer payment means information, and payment processing target information input (or selected) through the interface screen from the client terminal 135. Do.

According to another exemplary embodiment of the present invention, when the client terminal 135 is a wireless terminal to which a communication channel is connected through a CDMA based wireless network, the interface unit 105 is connected to the client terminal 135 and a WAP (Wireless). Connect a predetermined communication channel based on the Application Protocol and / or Mobile Explorer (ME) protocol, and the interface in the form of a Wireless Markup Language (WML) and / or HTML compatible document to the client terminal 135 through the communication channel. Transmitting and outputting a screen and / or information providing screen, and receiving and processing a predetermined customer landline telephone number, customer payment means information, and payment processing target information corresponding to the interface screen from the client terminal 135; It is preferable.

According to another exemplary embodiment of the present invention, when the client terminal 135 is a wireless terminal to which a communication channel is connected through an IEEE 802.16 based wireless network, the interface unit 105 may be connected to the client terminal 135. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16 standard, and transmit and output a predetermined interface screen and / or information providing screen to the client terminal 135 through the communication channel, and the client terminal. And a function of receiving and processing a predetermined customer landline number, customer payment means information, and payment processing target information corresponding to the interface screen from 135, and / or the client terminal 135 performs a DataTAC / When the wireless terminal is connected to the communication channel through the Mobitex-based wireless network, the interface unit 105 Connects a predetermined communication channel with the client terminal 135 based on a wireless protocol corresponding to the DataTAC / Mobitex standard, and provides a predetermined interface screen and / or information providing screen to the client terminal 135 through the communication channel. It is preferable to perform a function of transmitting and outputting the data, and receiving and processing a predetermined customer wire telephone number, customer payment means information and payment processing target information corresponding to the interface screen from the client terminal 135.

Referring to FIG. 1, when the predetermined client terminal 135 accesses the information registration server 100 through the interface unit 105, the information registration server 100 cooperates with the interface unit 105. An interface providing unit for generating (or extracting) a predetermined interface screen for inputting (or selecting) a predetermined customer landline number, customer payment means information, and payment processing target information from the client terminal 135; 110 and receiving the customer wire telephone number, customer payment means information, and payment processing target information inputted (or selected) and transmitted from the client terminal 135 through the interface screen in association with the interface unit 105. The information receiving unit 115 and the customer wired telephone number, the customer payment means information and the payment processing target information is stored in association with the storage medium 130 By comprising a security storage unit 120 is characterized in that formed.

The interface providing unit 110 has a functional configuration (eg, provided in the client terminal 135 when a predetermined client terminal 135 is connected to the information registration server 100 through the interface unit 105). In response to the browser program provided in the client terminal 135, a predetermined customer landline telephone number, customer payment means information, and payment processing target information are input (or selected) to the information registration server 100 through the network means. Generate a predetermined interface screen that can be transmitted, and / or extract from a predetermined database (not shown), and the interface screen generated in conjunction with the interface unit 105 to generate the (or extracted) interface screen through the network means. It is characterized in that provided to the client terminal (135).

Thereafter, the client terminal 135 inputs (or selects) predetermined customer landline telephone number, customer payment means information and payment processing target information based on the interface screen, and the input (or selected) customer landline telephone number. The customer payment means information and payment processing target information are transmitted to the information registration server 100 through the network means.

When the information receiving unit 115 inputs (or selects) predetermined customer landline telephone number, customer payment means information, and payment processing target information through the interface screen, the client terminal 135 transmits the information through the network means. Receiving the customer landline number, customer payment means information and payment processing target information in conjunction with the interface unit 105, the received customer landline phone number, customer payment means information and payment processing target information The information storage unit 120 is provided.

The information storage unit 120 may process the customer landline telephone number, the customer payment means information, and the payment processing target information received through the information receiving unit 115 to be stored in the storage medium 130. .

According to the present invention, when the customer landline number is first received from the client terminal 135 and stored in the storage medium 130, the information registration server 100 authenticates the payment process according to the present invention. And an authentication information setting unit 125 for setting customer authentication information for securing authentication, integrity, and nonrepudiation.

According to one embodiment of the invention, the customer authentication information comprises a predetermined password to authenticate the validity of the customer and / or the landline telephone corresponding to the customer landline telephone number in the payment process according to the invention. It is preferable.

At this time, the authentication information setting unit 125 generates (or extracts) a predetermined password input interface screen through the interface providing unit 110 to set the password as the customer authentication information, and the interface unit ( By providing the password input interface screen to the client terminal 135 (or a wireless terminal corresponding to the customer landline number) through 105, the client terminal 135 (or a wireless terminal corresponding to the customer landline number). Receiving a predetermined password for authenticating the payment process through a wireless terminal corresponding to the customer landline telephone number in a payment processing process according to the present invention, and processing the received password as the customer authentication information for the customer landline telephone It is preferable to store the number in association with the number.

According to another exemplary embodiment of the present invention, the customer authentication information includes customer personal information (or customer unique information) such as a social security number of a customer corresponding to the customer landline phone number in the payment processing process according to the present invention. desirable.

At this time, the authentication information setting unit 125 inputs predetermined customer personal information (or unique information) through the interface providing unit 110 to set the customer personal information (or unique information) as the customer authentication information. An interface screen is generated (or extracted) and the customer personal information (or unique information) input interface screen is transferred to the client terminal 135 (or a wireless terminal corresponding to the customer landline number) through the interface unit 105. By providing, a predetermined step of authenticating the payment process from the client terminal 135 (or a wireless terminal corresponding to the customer landline telephone number) through a wireless terminal corresponding to the customer landline telephone number in the payment processing process according to the present invention. Receive customer personal information (or unique information), and process the received customer personal information (or unique information) as the customer authentication information To store and handle in conjunction with customer landline phone number is preferred.

According to another embodiment of the present invention, the customer authentication information for authenticating the validity of the customer and / or the landline phone corresponding to the customer landline number in the payment process according to the invention, the password and / or personal In addition to the information (or unique information) may further include other authentication information (for example, biometric information of the customer), the authentication information setting unit 125 corresponds to the customer landline number in the payment process according to the invention Set predetermined customer authentication information to authenticate the validity of the customer and / or the landline, and stores the set customer authentication information in association with the customer landline number.

Referring to FIG. 1, the customer authentication information is shown to be stored in the storage medium 130 in association with the customer wire telephone number, but the present invention is not limited thereto.

The customer authentication information may be stored in a separate database in addition to the storage medium 130 to be processed in association with the customer landline phone number in order to provide a high security for the payment processing process according to the present invention, thereby The present invention is not limited.

2 is a diagram illustrating an information registration process for payment processing according to an embodiment of the present invention.

In more detail, Figure 2 is a client for a payment process according to the present invention by accessing the information registration server 100 through a predetermined network means by a predetermined client terminal 135 through the information registration system shown in FIG. As a process for storing the landline phone number, customer payment means information, payment processing target information in the storage medium 130, the process of linking and storing, and the predetermined customer authentication information to be linked to the customer landline phone number for storage. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to infer various implementation methods for the information registration process for payment processing, but the present invention is inferred from the above It includes all implementation methods, and is not limited to the implementation method shown in FIG.

For example, although FIG. 2 illustrates that the password is set as the customer authentication information for authenticating the payment process, a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. It will be possible to infer a method of setting other customer authentication information, whereby the present invention is not limited.

Hereinafter, in FIG. 2, the client terminal 135 illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the information registration server 100 is referred to as a “server” for convenience.

Referring to FIG. 2, after the terminal 135 accesses the server through a network means and registers and / or logs in, the server 100 requests the server 100 to register information for payment processing according to the present invention. The lower surface 200, the server 100 generates (or extracts) a predetermined information registration interface screen for payment processing and provides the terminal 135 to the terminal 135 through the network means (205), and the terminal 135. The user inputs (or selects) the customer landline number, customer payment means information, and payment processing target information through the information registration interface screen.

Thereafter, the terminal 135 transmits the customer wire telephone number, customer payment means information, and payment processing target information input (or selected) through the information registration interface screen to the server 100 through the network means. (215).

The server 100 receiving the customer landline telephone number, customer payment means information, and payment processing target information for the payment processing from the terminal 135 may receive the received customer wire telephone number and / or customer payment means information. And / or verify the validity of the payment processing target information (220).

According to an exemplary embodiment of the present invention, the server 100 checks the validity of the landline phone corresponding to the customer landline phone number in connection with a communication company corresponding to the customer landline phone number.

Here, the validity of the landline includes checking whether the landline is a normal landline.

In addition, the server 100 confirms the validity of the customer payment means corresponding to the customer payment means information in connection with the financial institution and / or card issuer corresponding to the customer payment means information.

Here, the validity of the customer payment means includes checking whether the customer payment means is a payment means owned by the customer.

In addition, the server 100 checks the validity of the payment merchant corresponding to the payment processing target information.

In this case, the validity of the payment affiliate includes checking whether the payment affiliate is a normal affiliate (eg, a card payment affiliate) that can process payment according to the present invention.

If the validity of the customer landline number and / or customer payment method information and / or payment processing target information is not authenticated (225), the server 100 is the customer landline number and / or customer payment means information and And / or generating validity error information about payment processing target information (230), transmitting the generated validity error information to the terminal 135 through the network means and outputting the data (235), and payment processing according to the present invention. End the information registration process for.

On the other hand, if the validity of the customer landline number and / or customer payment means information and / or payment processing information is authenticated (225), the server 100 is the customer landline number received from the terminal 135, The customer payment means information and the payment processing target information are stored in the storage medium 130 in step 240.

In addition, the server 100 reads the customer landline number received from the terminal 135 (for example, searching whether there is a landline number that matches the customer landline number in the storage medium 130). Check whether the customer landline number is registered in the storage medium 130 for the first time (245).

If the customer wire telephone number is not registered in the storage medium 130 for the first time (250), the server 100 ends the information registration process for the payment processing.

On the other hand, if the customer wired telephone number is registered in the storage medium 130 for the first time (250), the server 100 generates (or extracts) a predetermined password registration interface screen and the terminal 135 through the network means. (255), the terminal 135 inputs a predetermined password for authenticating the payment process through the password registration interface screen (260), and inputs the input password to the server through the network means. And transmits to 100 (265).

Subsequently, the server 100 processes the password received from the terminal 135 as the customer authentication information and stores it in association with the customer wire telephone number (270).

3 is a diagram illustrating a payment system according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a call channel via a predetermined wired telephone when the customer landline telephone number, customer account information, and payment processing target information for payment processing according to the present invention are stored in association with the storage medium 130. As an implementation method for a payment system for performing a payment processing according to the present invention by connecting the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify the storage medium 130 by referring to FIG. However, various implementation methods for the payment system corresponding to the case where the customer landline phone number, the customer account information, and the payment processing target information for the payment processing according to the present invention are linked and stored may be inferred. It includes all inferred methods of implementation, and the present invention is not limited thereby.

For example, in FIG. 3, the payment processing server 300 for processing a payment according to the present invention is illustrated as one server, but the payment processing server 300 may be separated into at least two or more servers. This is not limited.

According to FIG. 3, the payment system connects a predetermined wireline with a call channel, and a predetermined financial system 345 and a predetermined financial system for processing financial settlement using customer account information stored in the storage medium 130. Characterized in that it comprises a payment processing server 300 linked through the interface means.

The financial system 345 is a computer system provided in a predetermined financial institution, and has a function of providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) service to at least one or more financial transaction customers. The payment processing server 300 is linked to the payment processing server 300 through a predetermined interface means (eg, a network means for connecting the financial system 345 and an external communication network) for payment processing according to the present invention.

The financial system 345 is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. Accounting system for handling window services such as credit or reception or trust or foreign exchange occurring in the above branch (or window), information system for processing headquarters business, branch information support and customer information management, and the financial system 345 ) And at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, etc.) provided on at least one other financial system 345 (and / or payment system) IC chip-based wireless banking, telebanking, TV banking, etc.) to access the financial system 345, and / or And an external system that provides a variety of financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system 345 is configured in the financial system. An interface module corresponding to a middleware platform that provides inter-element interfacing, and predetermined information (eg, ledger information, and / or customer information, and / or information required for each function in a component in the financial system); and / Or a DBMS (DataBase Management System) including at least one database for storing and managing management information.

In addition, the financial system 345 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 345 and the purpose of the financial system 345. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 345, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the financial system 345 is connected to the payment processing server 300 through the interface means for payment processing according to the present invention, the external system provided in the financial system 345 is the payment It is preferable that a predetermined financial settlement unit interworking with the processing server 300 is provided.

According to the implementation method of the present invention, the financial settlement unit checks whether the amount corresponding to the payment amount requested from the payment merchant is deposited in the financial account corresponding to the customer account information in connection with the payment processing server 300 and (E.g., confirming that a sufficient amount for payment processing of the payment amount is deposited), and returning the result to the payment processing server 300 is preferable.

According to an exemplary embodiment of the present invention, when an amount corresponding to a payment amount requested from the payment affiliate store is deposited in a financial account corresponding to the customer account information (for example, a sufficient amount to process the payment amount) Is deposited), the financial settlement unit when the amount corresponding to the payment amount of money deposited in the financial account in connection with the payment processing server 300 is transferred to the financial account corresponding to the payment merchant; It is preferable to set a lock so as not to be withdrawn by another financial transaction request until, and when the payment is finally approved, the lock is released, corresponding to the payment amount from the financial account corresponding to the customer account information It is preferable to withdraw the amount to be transferred to a financial account corresponding to the payment merchant.

According to another exemplary embodiment of the present invention, when an amount corresponding to a payment amount requested from the payment affiliate store is deposited in a financial account corresponding to the customer account information (for example, the payment amount may be processed). When a sufficient amount is deposited, the financial settlement unit, in connection with the payment processing server 300, transfers an amount corresponding to the settlement amount among the amounts deposited in the financial account to a predetermined temporary account (for example, an escrow account). Escrow Account), and when the payment is finally approved, it is preferable to withdraw the amount deposited in the temporary account and transfer it to the financial account corresponding to the payment merchant.

Referring to FIG. 3, the payment processing server 300 performs a call connection procedure for at least one or more wired telephones through a predetermined telephone network (PSTN) and / or a VoIP network, thereby making payment according to the wired telephone and the present invention. And a setting unit 315 as a call connecting a communication channel for processing, whereby the payment processing server 300 is connected to the telephone network (PSTN) and / or the VoIP network. Performs an Automatic Response Service (ARS) server function.

If one of ordinary skill in the art to which the present invention pertains, the call path setting unit 315 performs a predetermined call connection procedure with the landline through a predetermined telephone network (PSTN) and / or a VoIP network. Since you will be familiar with the method of connecting a communication channel for payment processing according to the invention, a detailed description thereof will be omitted for convenience.

According to the present invention, the payment processing server 300 in the process of connecting at least one or more wired telephone and a call channel through the call path setting unit 315 (for example, performing a call connection procedure), the genetic An exchanger on a telephone network (PSTN) to which a telephone is connected, and / or a gatekeeper on the VoIP network (e.g., a caller ID display function provided in the telephone network (PSTN), and / or a caller provided on the VoIP network) Through the number display function) characterized in that it comprises an information confirmation unit 330 to confirm the landline number.

Those skilled in the art to which the present invention pertains, the caller ID display function provided in the telephone network (PSTN) to which the genetic telephone is connected in the process of performing the call connection procedure of the information checking unit 330, and / Or you will be familiar with the method of verifying the landline number through the caller ID display function provided in the VoIP network, a detailed description thereof will be omitted for convenience.

In addition, the information confirming unit 330 is characterized in that after the wired telephone number is confirmed, from the storage medium 130 to extract at least one or more payment processing target information stored in association with the customer landline telephone number. The payment processing target information includes at least one payment merchant information, payment amount information, and payment target information registered by the customer.

According to another exemplary embodiment of the present invention, the information verification unit 330 is provided through the caller ID display function provided in the telephone network (PSTN) to which the genetic telephone is connected, and / or the caller ID display function provided in the VoIP network. If the landline phone number cannot be confirmed (for example, when the caller ID display rejection function is set in the landline), the information checking unit 330 is a voice information providing unit 335 provided in the payment processing server 300. It is possible to induce to generate a key ring tone corresponding to the landline telephone number through the landline, and to receive and confirm the landline telephone number through the ringtone processing unit 320 provided in the payment processing server 300. The present invention is not limited thereto.

According to the present invention, the payment processing server 300 converts the payment processing target information into voice information when the information checking unit 330 extracts at least one payment processing target information from the storage medium 130. And a voice information providing unit 335 provided to the wired telephone through the call path setting unit 315, wherein the voice information providing unit 335 voices the payment processing target information. The method for converting the information into the landline through the call path setting unit 315 may first provide at least one affiliated store information included in the payment processing target information to the landline in association with a predetermined number. And / or providing the payment target information and the payment amount information corresponding to the payment merchant information to the wired telephone in association with a predetermined number. The lure is.

In addition, the voice information providing unit 335 is configured to process the guide information for inducing the customer to generate at least one or more key signals for payment processing according to the present invention through a landline telephone in the form of voice information to set the call path Characterized in that it provides to the landline through 315, the key tone generated in the landline telephone is received by the signal processing unit 320 provided in the payment processing server (300).

In addition, the voice information providing unit 335 is a key tone corresponding to the predetermined customer authentication information to the landline through the call path setting unit 315 to confirm the validity of the payment processing according to the present invention. It is characterized in that the guidance information to guide to generate in the form of voice information processing, the key signal sound generated in the landline telephone is received by the signal processing unit 320 provided in the payment processing server (300).

If one of ordinary skill in the art to which the present invention pertains, the voice information providing unit 335 converts the payment processing target information into voice information and guides the wired telephone through the call path setting unit 315. And / or guide information for generating at least one key signal for payment processing according to the present invention in the form of voice information and providing the same to the landline through the call path setting unit 315. Since it will be familiar with, etc., detailed description thereof will be omitted for convenience.

The tone processing unit 320 included in the payment processing server 300 processes the key signal generated by the landline through the call setting unit in a dual frequency multi-frequency (DTMF) scheme to "0 to 9". The number and the "*" code and "#" code, characterized in that the conversion, and the number and code is provided to the information processing unit 325 provided in the payment processing server 300.

Those skilled in the art to which the present invention belongs, the signal tone processing unit 320 processes the key tone generated in the landline telephone through the call setting unit in a complex frequency code (DTMF) method "0 ~ 9" Until you will be familiar with the technical features of converting numbers with "*" and "#" signs, detailed description thereof will be omitted for convenience.

The information processing unit 325 included in the payment processing server 300 may include at least one or more information corresponding to payment processing target information provided to the landline phone by the voice information providing unit 335 through the tone processing unit 320. And payment selection information, payment object and payment amount selection information, and the payment processing according to the present invention corresponding to the payment merchant selection information and payment object and payment amount selection information from the storage medium 130. It is characterized by extracting the payment merchant information and payment amount information required for.

In this case, the payment merchant information required for the payment processing is information capable of payment processing through the customer account information stored in the storage medium 130, and preferably includes account information corresponding to the payment merchant. .

In addition, when the payment merchant information and payment amount information necessary for payment processing according to the present invention is extracted from the storage medium 130, the information processing unit 325 is the information confirmation unit 330 from the storage medium 130 It is characterized by extracting the customer account information stored in the storage medium 130 is processed in association with the customer landline number confirmed by.

When the customer account information, payment merchant information and payment amount information is extracted as described above, the information processing unit 325 is provided with the extracted customer account information, payment merchant information and payment amount information in the payment processing server 300 By providing the authorization processing unit 310 and / or payment processing unit 305, the payment processing according to the present invention is processed.

According to another exemplary embodiment of the present invention, the voice information providing unit 335, the signal processing unit 320, and the information processing unit 325 interoperate with each other to generate a key tone corresponding to the payment amount information from the customer landline. It is possible to obtain, and thereby the present invention is not limited.

In addition, when the predetermined information is received from the landline through the signal tone processing unit 320, the information processing unit 325 confirms the customer landline telephone to the information verification unit 330 from the storage medium 130. Extracting the customer authentication information stored in association with the number, and comparing and authenticating the authentication information received through the tone processing unit 320 and the customer authentication information extracted from the storage medium 130, the validity of the payment processing It is characterized by checking.

According to the present invention, the payment processing server 300 is used to process the payment to the financial system 345 based on the customer account information and the payment amount information (or payment amount information extracted from the payment processing target information). Characterized in that it comprises a temporary approval processing unit 310 for requesting approval for the authorization.

The approval processing unit 310 provides the customer account information and the payment amount information to the financial system 345 (for example, the financial settlement unit) through a predetermined interface means, thereby providing a financial account corresponding to the customer account information. Characterized in that the customer account confirmation process for confirming whether a sufficient amount for payment processing the payment amount information is deposited.

If as a result of performing the customer account verification process, a sufficient amount for depositing the payment amount information is deposited in the financial account corresponding to the customer account information, the approval processing unit 310 is the financial system (345) performing a customer account lockout process to set a lock so that an amount corresponding to the payment amount is not withdrawn by another financial transaction in a financial account corresponding to the customer account information in connection with (e.g., the financial settlement unit); It is characterized by.

According to another exemplary embodiment of the present invention, the approval processing unit 310 may collectively process the customer account confirmation process and the customer account lock process in connection with the financial system 345 (eg, the financial settlement unit). However, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when an escrow function is provided in the financial system 345 (for example, the financial settlement unit), the approval system 310 performs the financial system 345 ( For example, in the financial account corresponding to the customer account information in connection with the financial settlement unit, a customer account lock process for setting a lock to prevent the amount corresponding to the payment amount from being withdrawn by another financial transaction may be omitted. The present invention is not limited by this.

In particular, when the customer account lockout process is omitted, the customer account confirmation process may be performed by the payment processing unit 305 provided in the payment processing server 300, and the present invention is not limited thereto.

According to the present invention, when the payment processing according to the present invention is finally approved, the payment processing server 300 is based on the customer account information, payment merchant information and payment amount information based on the financial system 345 (eg, financial The amount corresponding to the payment amount is withdrawn from the financial account corresponding to the customer account information (and / or the escrow function is provided in the financial system 345) in connection with the payment account). It is characterized in that it comprises a payment processing unit 305 for depositing a payment amount) to be deposited in a financial account corresponding to the payment merchant.

In addition, the payment processing unit 305 after the payment processing is completed through the financial system 345, characterized in that for generating a predetermined payment approval history corresponding to the payment processing, wherein the payment approval details The voice information providing unit 335 is preferably provided to the wired terminal.

In addition, if the final confirmation for a predetermined time after the customer account confirmation process (and / or customer account lock process) is performed, the payment processing unit 305 is the payment processing (eg, customer account confirmation and / or customer Account lock) to generate a payment approval history, wherein the payment approval details are preferably provided to the wired terminal through the voice information providing unit 335.

In addition, in the process of confirming the customer account, if a sufficient amount for payment processing of the payment amount is not deposited in the financial account corresponding to the customer account information, the payment processing unit 305 performs the payment. Characterized in that the payment approval history corresponding to the processing (for example, customer account deposit assistance), wherein the payment approval details are preferably provided to the wired terminal through the voice information providing unit 335.

According to the present invention, the payment processing server 300 is characterized in that it comprises an information transmission unit 340 for providing the payment approval details to at least one customer communication means, wherein the customer communication means is a wireless message ( For example, a short message or a multimedia message) includes a customer-owned mobile communication terminal capable of receiving and / or at least one customer-owned e-mail address.

In addition, the information transmitting unit 340 is characterized in that to provide the payment approval details to the merchant (or payment processing target) communication means corresponding to the payment merchant, wherein the merchant (or payment processing target) communication means The merchant includes at least one predetermined merchant terminal, and / or a mobile communication terminal of an affiliated store representative (or employee), and / or an email address of the affiliated store representative (or employee).

4 is a diagram illustrating a process of receiving customer account-based payment processing information from a landline phone according to an embodiment of the present invention.

More specifically, Figure 4 is an embodiment of the method for receiving payment processing information for payment processing according to the present invention from a landline telephone on the payment system shown in Figure 3, which is a general knowledge in the art If you have, it will be able to infer various implementation methods for receiving payment processing information for payment processing according to the present invention from the landline by referring to and / or modifying the Figure 4, the present invention is inferred implementation method It includes all, and is not limited to the embodiment shown in FIG.

Referring to FIG. 4, the wireline connects a call channel with the server 300 by performing a predetermined call connection procedure through a telephone network (PSTN) and / or a VoIP network for payment processing according to the present invention ( 400, correspondingly, the server 300 confirms the wired telephone number in connection with the telephone network (PSTN) and / or the VoIP network (eg, through a caller ID function) (405).

If the landline number is not confirmed (410), the server 300 requests to provide the landline number to the landline phone through the call channel (e.g., outputs a voice announcement) (415). In response, the wired telephone provides the wired telephone number to the server 300 through a predetermined key tone (420).

On the other hand, if the landline number is confirmed (410), and / or provided with the corresponding landline number from the landline (420), the server 300 is processed in association with the landline number from the storage medium 130 By extracting the stored payment processing target information (425) and providing the payment processing target information through the call channel, predetermined payment for payment processing according to the present invention among at least one payment merchant included in the payment processing target Request to select a merchant (eg, output a voice announcement).

If the payment affiliated store selection information in the form of a key tone is received from the landline (435), the server 300 selects a payment amount and / or a payment target corresponding to the payment affiliated store through the wireline through the call channel. Request (eg, output a voice announcement) (440).

If the payment payment amount and payment object selection information in the form of a key tone is received from the landline (445), the server 300 provides payment merchant information and payment amount information available for the payment processing from the storage medium 130. Extract (450), and extract the stored customer account information is processed in association with the landline phone number from the storage medium 130 (455).

5 is a flowchart illustrating a payment processing process using a customer account according to an exemplary embodiment of the present invention.

In more detail, Figure 5 is a payment processing process through the customer account information, payment amount information and payment merchant information obtained the process shown in Figure 4, the person having ordinary knowledge in the technical field to which the present invention belongs If it is possible to infer various payment processing processes by referring to and / or modifying the drawing 5, the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in the drawing 5.

Hereinafter, in FIG. 5, the payment processing server 300 shown in FIG. 3 is referred to as a “server” for convenience.

Referring to FIG. 5, when the customer account information, the payment amount information, and the payment merchant information are obtained through the process illustrated in FIG. 4, the server 300 sends the customer account information and the payment amount information to the server 300. The payment amount through a deposit deposited in a financial account corresponding to the customer account (500) by transmitting to the financial system 345 associated with (or having a financial account corresponding to the customer account information opened) (500). Check whether it is possible to process the payment (505).

If the check result is unable to process the payment amount through the deposit deposited in the financial account corresponding to the customer account (510), the financial system 345 is unable to process the payment process to the server 300 Returning (515), and correspondingly, the server 300 generates a predetermined payment approval history including a result of the customer account deposit shortage error (520), and provides the payment approval details to the landline (525).

On the other hand, if the check result is able to process the payment amount through the deposit deposited in the financial account corresponding to the customer account (510), the financial system 345 returns a settlement processing result to the server ( 530).

Figure 6 illustrates a payment approval process using a customer account according to an embodiment of the present invention.

In more detail, Figure 6 shows that through the process shown in Figure 5 is confirmed that the payment processing through the deposit deposited in the financial account corresponding to the customer account from the financial system 345, the wired As a process of final approval of the payment by phone, those skilled in the art to which the present invention pertains, various implementation methods for final approval of the payment processing by referring to and / or modifying this figure 6 It may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

For example, FIG. 6 illustrates a final approval of the payment process through an approval method, and a person skilled in the art to which the present invention pertains may refer to and / or modify this FIG. It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

Hereinafter, in FIG. 6, the payment processing server 300 shown in FIG. 3 is referred to as a “server” for convenience.

Referring to FIG. 6, when it is confirmed through the process shown in FIG. 5 that payment processing through a deposit deposited in the financial account corresponding to the customer account is possible, the server 300 Requests the financial system 345 to lock the financial account corresponding to the customer account information through the customer account information and the payment amount information (600), and the financial system 345 corresponds to the customer account. The lock processing is performed on the customer financial account through the information and the payment amount information (605).

According to another exemplary embodiment of the present invention, when the financial system 345 provides an escrow function, an amount corresponding to the settlement amount is withdrawn from the customer financial account through an escrow function instead of the customer account lock. It is also possible to transfer to a temporary account (e.g., an escrow account), and the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the customer deposit confirmation process and the customer financial account locking process (or escrow processing process) shown in FIG. 5 may be performed in one batch, and the present invention is not limited thereto.

Thereafter, the server 300 requests predetermined authentication information to the landline phone through the call channel (610). If the requested authentication information is confirmed from the landline phone (615), the server 300 Extracts the stored customer authentication information stored in connection with the landline phone number from the storage medium 130 (620), and compares and authenticates the authentication information verified from the landline phone with the extracted customer authentication information, thereby making the payment. Check whether the processing is approved (625).

If the payment process is not approved (630), the server 300 repeats the process of requesting the authentication information to the landline.

On the other hand, if the payment processing is approved (630), the server 300 provides the financial system 345 with the customer account information, payment amount information and the payment merchant information (e.g., account information corresponding to the payment merchant). In response thereto, the financial system 345 releases the lock on the customer financial account through the customer account information, and withdraws an amount corresponding to the payment amount from the customer financial account. After depositing to the financial account corresponding to (640), the account transfer result is returned to the server 300 (645).

Thereafter, the server 300 generates a predetermined payment approval history including the payment processing result (650), and provides the payment approval details to the genetic telephone to output (655).

7 is a diagram illustrating a process of receiving customer account-based payment processing information from a landline according to another embodiment of the present invention.

In more detail, Figure 7 relates to an implementation method for receiving payment processing information for payment processing according to the present invention from a landline telephone on the payment system shown in Figure 3, which is a general knowledge in the technical field to which the present invention belongs. If you have, it will be able to infer various implementation methods for receiving payment processing information for payment processing according to the present invention from the landline by referring to and / or modifying the Figure 7, the present invention is inferred implementation method It includes all, and is not limited to the embodiment shown in FIG.

Referring to FIG. 7, the wired telephone connects a call channel with the server 300 by performing a predetermined call connection procedure through a telephone network (PSTN) and / or a VoIP network for payment processing according to the present invention (700). Correspondingly, the server verifies the landline number in association with the telephone network (PSTN) and / or the VoIP network (eg, via caller ID) (705).

If the landline number is not verified (710), the server 300 requests to provide the landline number to the landline through the call channel (e.g., outputs a voice announcement) (715). In response, the wired telephone provides the wired telephone number 720 to the server through a predetermined key tone.

On the other hand, if the wired telephone number is confirmed (710) and / or the wired telephone number is received from the wired telephone (720), the server 300 is processed in association with the wired telephone number from the storage medium 130 By extracting stored payment processing target information (725) and providing the payment processing target information through the call channel, predetermined payment for payment processing according to the present invention among at least one payment merchant included in the payment processing target Request to select a merchant (eg, output a voice announcement).

If the payment merchant selection information in the form of a key tone is received from the landline (735), the server 300 selects a payment amount and / or a payment target corresponding to the payment affiliated store through the wireline through the call channel. Request (eg, output a voice announcement) (740).

If the payment payment amount and payment object selection information in the form of a key tone is received from the landline (745), the server 300 performs a payment processing process using the obtained payment processing information.

8 illustrates a payment approval process using a customer account according to another embodiment of the present invention.

In more detail, FIG. 8 is a process of finally approving the payment through the wire telephone when the payment processing information is obtained through the process shown in FIG. 7, and is commonly known in the art. Persons having the present invention may infer various implementation methods for finally approving the payment process by referring to and / or modifying the drawing 8, but the present invention includes all the inferred implementation methods, and is shown in this drawing 8 It is not limited to the implemented method.

For example, FIG. 8 illustrates a final approval of the payment process through an approval method, and a person skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to escrow. It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

Hereinafter, in FIG. 8, the payment processing server 300 shown in FIG. 3 is referred to as a “server” for convenience.

Referring to FIG. 8, when the payment processing information is obtained through the process illustrated in FIG. 7, the server 300 obtains payment merchant information and payment amount information available for the payment processing from the storage medium 130. Extraction (800), and also extracts the customer account information stored in association with the landline phone number from the storage medium 130 (805).

Thereafter, the server 300 requests predetermined authentication information to the landline phone through the call channel (810). If the requested authentication information is confirmed from the landline phone (815), the server 300 Extracts the stored customer authentication information stored in association with the landline phone number from the storage medium 130 (820), and compares and authenticates the authentication information verified from the landline phone with the extracted customer authentication information, thereby making the payment. Check whether the processing is approved (825).

If the payment processing is not approved (830), the server 300 repeats the process of requesting the authentication information by the wired telephone.

On the other hand, if the payment processing is approved (830), the server 300 provides the customer account information, payment amount information and the payment merchant information (e.g., account information corresponding to the payment merchant) to the financial system 345. In operation 835, the financial system 345 releases the lock on the customer financial account through the customer account information, and withdraws the amount corresponding to the payment amount from the customer financial account. After depositing to the financial account corresponding to (840), the account transfer result is returned to the server (845).

Thereafter, the server generates a predetermined payment approval history including the payment processing result (850), and provides the payment approval details to the genetic telephone to output (855).

9 is a diagram showing a payment system according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates a call channel through a predetermined wireline when the customer landline number, credit card information, and payment processing target information for payment processing according to the present invention are stored in the storage medium 130 in association. As an implementation method for a payment system for performing a payment process according to the present invention by connecting the present invention, those skilled in the art to which the present invention pertains, the storage medium 130 by referring to and / or modified in this figure 9 However, various implementation methods for the payment system corresponding to the case where the customer landline telephone number, credit card information, and payment processing target information for payment processing according to the present invention are linked and stored may be inferred. It includes all inferred methods of implementation, and the present invention is not limited thereby.

For example, in FIG. 9, the payment processing server 300 for processing payment according to the present invention is illustrated as one server, but the payment processing server 300 may be separated into at least two or more servers. This is not limited.

According to FIG. 9, the payment system connects a predetermined wire telephone with a call channel, and a predetermined financial system 345 and a predetermined financial system for processing a financial settlement using credit card information stored in the storage medium 130. Characterized in that it comprises a payment processing server 300 linked through the interface means.

The credit settlement server is characterized in that the post-payment payment processing of the payment amount requested by the customer in a short distance at least one or more credit limit amount for the customer.

Referring to FIG. 9, the payment processing server 300 performs a call connection procedure for at least one landline telephone through a predetermined telephone network (PSTN) and / or a VoIP network, thereby making payment according to the wireline telephone and the present invention. And a setting unit 315 as a call connecting a communication channel for processing, whereby the payment processing server 300 is connected to the telephone network (PSTN) and / or the VoIP network. Performs an Automatic Response Service (ARS) server function.

If one of ordinary skill in the art to which the present invention pertains, the call path setting unit 315 performs a predetermined call connection procedure with the landline through a predetermined telephone network (PSTN) and / or a VoIP network. Since you will be familiar with the method of connecting a communication channel for payment processing according to the invention, a detailed description thereof will be omitted for convenience.

According to the present invention, the payment processing server 300 in the process of connecting at least one or more wired telephone and a call channel through the call path setting unit 315 (for example, performing a call connection procedure), the genetic An exchanger on a telephone network (PSTN) to which a telephone is connected, and / or a gatekeeper on the VoIP network (e.g., a caller ID display function provided in the telephone network (PSTN), and / or a caller provided on the VoIP network) Through the number display function) characterized in that it comprises an information confirmation unit 330 to confirm the landline number.

Those skilled in the art to which the present invention pertains, the caller ID display function provided in the telephone network (PSTN) to which the genetic telephone is connected in the process of performing the call connection procedure of the information checking unit 330, and / Or you will be familiar with the method of verifying the landline number through the caller ID display function provided in the VoIP network, a detailed description thereof will be omitted for convenience.

In addition, the information confirming unit 330 is characterized in that after the wired telephone number is confirmed, from the storage medium 130 to extract at least one or more payment processing target information stored in association with the customer landline telephone number. The payment processing target information includes at least one payment merchant information, payment amount information, and payment target information registered by the customer.

According to another exemplary embodiment of the present invention, the information verification unit 330 is provided through the caller ID display function provided in the telephone network (PSTN) to which the genetic telephone is connected, and / or the caller ID display function provided in the VoIP network. If the landline phone number cannot be confirmed (for example, when the caller ID display rejection function is set in the landline), the information checking unit 330 is provided with the voice information providing unit 335 provided in the payment processing server 300. It is possible to induce to generate a key ring tone corresponding to the landline telephone number through the landline telephone, and to receive and confirm the landline telephone number through the ringtone processing unit 320 provided in the payment processing server 300. The present invention is not limited thereby.

According to the present invention, the payment processing server 300 converts the payment processing target information into voice information when the information checking unit 330 extracts at least one payment processing target information from the storage medium 130. And a voice information providing unit 335 provided to the wired telephone through the call path setting unit 315, wherein the voice information providing unit 335 voices the payment processing target information. The method for converting the information into the wired telephone through the call setting unit may first provide at least one affiliated store information included in the payment processing target information to the wired telephone in association with a predetermined number, and / or the And providing the payment target information and the payment amount information corresponding to payment merchant information to the wired telephone in association with a predetermined number. It is.

In addition, the voice information providing unit 335 is configured to process the guide information for inducing the customer to generate at least one or more key signals for payment processing according to the present invention through a landline telephone in the form of voice information to set the call path Characterized in that it provides to the landline through 315, the key tone generated in the landline is received by the signal processing unit 320 provided in the payment processing server 300.

In addition, the voice information providing unit 335 is a key tone corresponding to the predetermined customer authentication information to the landline through the call path setting unit 315 to confirm the validity of the payment processing according to the present invention. It is characterized in that the guidance information to guide to generate in the form of voice information processing, the key signal sound generated in the landline telephone is received by the signal processing unit 320 provided in the payment processing server (300).

If one of ordinary skill in the art to which the present invention pertains, the voice information providing unit 335 converts the payment processing target information into voice information and guides the wired telephone through the call path setting unit 315. And / or guide information for generating at least one key signal for payment processing according to the present invention in the form of voice information and providing the same to the landline through the call path setting unit 315. Since it will be familiar with, etc., detailed description thereof will be omitted for convenience.

The tone processing unit 320 included in the payment processing server 300 processes the key signal generated by the landline through the call setting unit in a dual frequency multi-frequency (DTMF) scheme to "0 to 9". The number and the "*" code and "#" code, characterized in that the conversion, and the number and code is provided to the information processing unit 325 provided in the payment processing server 300.

Those skilled in the art to which the present invention belongs, the signal tone processing unit 320 processes the key tone generated in the landline telephone through the call setting unit in a complex frequency code (DTMF) method "0 ~ 9" Until you will be familiar with the technical features of converting numbers with "*" and "#" signs, detailed description thereof will be omitted for convenience.

The information processing unit 325 included in the payment processing server 300 may include at least one or more information corresponding to payment processing target information provided to the landline phone by the voice information providing unit 335 through the tone processing unit 320. And payment selection information, payment object and payment amount selection information, and the payment processing according to the present invention corresponding to the payment merchant selection information and payment object and payment amount selection information from the storage medium 130. It is characterized by extracting the payment merchant information and payment amount information required for.

Here, the payment merchant information required for the payment processing is information capable of payment processing through the credit card information stored in the storage medium 130, preferably in the payment terminal information (or payment terminal provided in the payment merchant) Corresponding terminal information).

In addition, when the payment merchant information and payment amount information necessary for payment processing according to the present invention is extracted from the storage medium 130, the information processing unit 325 is the information confirmation unit 330 from the storage medium 130 It is characterized by extracting the credit card information stored in the storage medium 130 is processed in conjunction with the customer landline number confirmed by.

When the credit card information, payment merchant information and payment amount information is extracted as described above, the information processing unit 325 is provided with the extracted credit card information, payment merchant information and payment amount information in the payment processing server 300 By providing the authorization processing unit 310 and / or payment processing unit 305, the payment processing according to the present invention is processed.

According to another exemplary embodiment of the present invention, the voice information providing unit 335, the signal processing unit 320, and the information processing unit 325 interoperate with each other to generate a key tone corresponding to the payment amount information from the customer landline. It is possible to obtain, and thereby the present invention is not limited.

In addition, when the predetermined information is received from the landline through the signal tone processing unit 320, the information processing unit 325 confirms the customer landline telephone to the information verification unit 330 from the storage medium 130. Extracting the customer authentication information stored in association with the number, and comparing and authenticating the authentication information received through the tone processing unit 320 and the customer authentication information extracted from the storage medium 130, the validity of the payment processing It is characterized by checking.

According to the present invention, the payment processing server 300 is the payment to the credit settlement server based on the credit card information and the payment amount information extracted from the storage medium 130 through the information verification unit 330 Characterized in that it comprises a temporary approval processing unit 310 for requesting approval for the processing.

The approval processing unit 310 provides the credit card information and the payment amount information to the credit settlement server through a predetermined interface means, so that the credit card payment checks whether the payment amount can be processed through the credit card. It is characterized in that the process of confirming the approval possibility.

According to an exemplary embodiment of the present invention, when the card information associated with the customer landline number is a credit card, the approval processing unit 310 provides the credit card information and the payment amount information to the credit settlement server. And, it characterized in that it performs a credit card payment approval confirmation process for confirming whether the payment amount can be processed within the credit card limit amount.

If it is possible to process the payment amount through the credit card payment as a result of performing the credit card payment approval confirmation process, the authorization processing unit 310 is linked with the credit payment server to pay the credit card Characterized in that the approval.

According to an exemplary embodiment of the present invention, when the card information stored in association with the customer landline number is a credit card, the authorization processing unit 310 is associated with the credit settlement server, and the credit amount is different from the credit amount. It is characterized in that the credit payment lock process is performed so that payment is not processed by the payment request.

According to another exemplary embodiment of the present invention, the approval processing unit 310 may process a credit card payment approval possibility confirmation process and a card payment lock process in association with the credit settlement server, thereby limiting the present invention. Not.

According to the present invention, when the payment processing according to the present invention is finally approved (for example, when finally approved through the customer wireless terminal), the payment processing server 300 through the credit card in conjunction with the credit payment server And a payment processing unit 305 for final payment approval processing of the amount corresponding to the payment amount and generating a predetermined payment approval history corresponding to the payment processing.

In addition, after the credit card payment approval possibility confirmation process (and / or card payment lock process) is performed, if not finally approved for a certain time, the payment processing unit 305 is the payment processing (for example, the card payment confirmation and And / or payment approval details corresponding to the card payment lock).

In addition, when the credit card payment error occurs in the process of confirming the credit card payment approval possibility, the payment processing unit 305 may generate a payment approval history corresponding to the payment processing.

According to the present invention, the payment processing server 300 is characterized in that it comprises an information transmission unit 340 for providing the payment approval details to at least one customer communication means, wherein the customer communication means is a wireless message ( For example, a short message or a multimedia message) includes a customer-owned mobile communication terminal capable of receiving and / or at least one customer-owned e-mail address.

In addition, the information transmitting unit 340 is characterized in that to provide the payment approval details to the merchant (or payment processing target) communication means corresponding to the payment merchant, wherein the merchant (or payment processing target) communication means The merchant includes at least one predetermined merchant terminal, and / or a mobile communication terminal of an affiliated store representative (or employee), and / or an email address of the affiliated store representative (or employee).

10 is a diagram illustrating a process of receiving credit card based payment processing information from a landline according to one embodiment of the present invention.

More specifically, FIG. 10 is an embodiment of a method of receiving payment processing information for payment processing according to the present invention from a landline telephone on the payment system shown in FIG. 9, and the general knowledge in the technical field to which the present invention pertains. If you have, it will be able to infer various implementation methods for receiving payment processing information for payment processing according to the present invention from the landline by referring to and / or modifying the Figure 10, the present invention is inferred implementation method It includes all, and is not limited to the embodiment shown in FIG.

Referring to FIG. 10, the landline telephone connects a call channel with the server by performing a predetermined call connection procedure through a telephone network (PSTN) and / or a VoIP network according to the present invention (1000). Correspondingly, the server 300 confirms the wired telephone number in connection with the telephone network (PSTN) and / or the VoIP network (for example, through a caller ID function) (1005).

If the landline telephone number is not verified (1010), the server 300 requests to provide the landline telephone number to the landline telephone through the call channel (for example, outputs a voice announcement) (1015). In response, the landline provides the wired telephone number to the server through a predetermined key tone (1020).

On the other hand, if the landline number is confirmed (1010), and / or provided with the corresponding landline number from the landline (1020), the server 300 is processed in association with the landline number from the storage medium 130 By extracting the stored payment processing target information (1025) and providing the payment processing target information through the call channel, predetermined payment for payment processing according to the present invention among at least one payment merchant included in the payment processing target Request to select a merchant (eg, output a voice announcement).

If the payment merchant selection information in the form of a key tone is received from the landline (1035), the server 300 selects a payment amount corresponding to the payment affiliated store and / or a payment target to the landline through the call channel. Request (eg, output a voice announcement) (1040).

If the payment payment amount and payment target selection information in the form of a key tone is received from the landline (1045), the server 300 receives payment merchant information and payment amount available for the payment processing from the storage medium 130. Information is extracted (1050), and the credit card information stored in association with the landline number is extracted from the storage medium 130 (1055).

11 illustrates a payment processing process using a credit card according to an embodiment of the present invention.

In more detail, Figure 11 is a payment processing process through the credit card information, payment amount information and payment merchant information obtained the process shown in Figure 10, the person of ordinary skill in the art to which the present invention belongs If it is possible to infer various payment processing procedures by referring to and / or modifying the drawing 11, the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in this drawing.

Hereinafter, in FIG. 11, the payment processing server 300 shown in FIG. 9 is referred to as "server" for convenience.

Referring to FIG. 11, when credit card information, payment amount information, and payment merchant information are obtained through the process shown in FIG. 10, the server stores the credit card information and the payment amount information in connection with the server. By transmitting to (1100), it is confirmed whether it is possible to process the payment amount through the limit amount inquiry corresponding to the credit card (1105).

If the check result is unable to process the payment amount through the credit card payment (1110), the credit settlement server returns a result of the payment processing impossible to the server 300 (1115), and correspondingly the server 300 generates a predetermined payment approval details including a credit card payment error result (1120), and provides the payment approval details to the landline telephone (1125).

On the other hand, if the check result is able to process the payment amount through the credit card payment (1110), the credit settlement server returns a possible payment processing result to the server (300) (1130).

12 illustrates a payment approval process using a credit card according to an embodiment of the present invention.

More specifically, Figure 12 is a process for final approval of the payment through the landline after confirming that the payment processing through the credit card from the credit settlement server through the process shown in FIG. Persons having ordinary skill in the art to which the present invention pertains may be able to infer various implementation methods for final approval of the payment processing by referring to and / or modifying the drawing 12, but the present invention may be inferred from the above-described implementation It includes all methods, and is not limited to the embodiment shown in FIG.

For example, this drawing 12 is described as a final approval of the payment processing through the approval method, if those skilled in the art to which the present invention belongs, reference to and / or modified this drawing 12 escrow It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

In the following figure 12, the payment processing server 300 shown in FIG. 9 is referred to as " server " for convenience.

Referring to FIG. 12, when it is confirmed that payment processing through the credit card payment is possible from the credit settlement server through the process illustrated in FIG. 11, the server 300 sends the credit card information to the credit settlement server. Request for approval of the credit card payment through payment amount information (1200), and correspondingly, the credit settlement server corresponds to the payment amount of the credit card limit amount through the credit card information and payment amount information. The authorization processing is performed so that the amount is not authorized by another credit card payment request (1205).

According to another exemplary embodiment of the present invention, when the financial system 345 associated with the check card provides an escrow function, it corresponds to the payment amount from the customer financial account through an escrow function instead of the credit card lock. The withdrawal amount may be withdrawn and transferred to a predetermined temporary account (for example, an escrow account), whereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the customer deposit confirmation process and the customer financial account locking process (or escrow processing process) shown in FIG. 11 may be performed at once, and the present invention is not limited thereto.

Thereafter, the server requests predetermined authentication information from the wireline through the call channel (1210). If the requested authentication information is confirmed from the wireline (1215), the server stores the storage medium 130. Extract the customer authentication information stored in association with the landline phone number (1220), and compare and authenticate the authentication information verified from the landline phone with the extracted customer authentication information to confirm whether the payment process is approved. (1225).

If the payment process is not approved (1230), the server 300 repeats the process of requesting the authentication information to the landline.

On the other hand, if the payment processing is approved (1230), the server 300 provides the credit card information, payment amount information and the payment merchant information to the credit payment server (1235), correspondingly to the financial system ( In operation 345, the credit card payment for the payment amount is approved through the credit card information (1240), and the credit card payment result is returned to the server 300 (1245).

Thereafter, the server 300 generates a predetermined payment approval history including the credit card payment processing result (1250), and outputs the payment approval details to the genetic telephone (1255).

13 is a diagram illustrating a process of receiving credit card based payment processing information from a landline according to another embodiment of the present invention.

More specifically, FIG. 13 is an embodiment of a method of receiving payment processing information for payment processing according to the present invention from a landline telephone on the payment system shown in FIG. 9, and the general knowledge in the technical field to which the present invention pertains. If you have, it will be able to infer various implementation methods for receiving payment processing information for payment processing according to the present invention from the landline by referring to and / or modifying the Figure 13, the present invention is inferred implementation method It includes all, and is not limited to the embodiment shown in FIG.

Referring to FIG. 13, the wireline connects a call channel with the server 300 by performing a predetermined call connection procedure through a telephone network (PSTN) and / or a VoIP network for payment processing according to the present invention (1300). Correspondingly, the server 300 confirms the wired telephone number in connection with the telephone network (PSTN) and / or the VoIP network (for example, through a caller ID function) (1305).

If the landline telephone number is not verified (1310), the server 300 requests to provide the landline telephone number to the landline telephone through the call channel (eg, outputs a voice announcement) (1315). In response, the landline provides the wired telephone number to the server 300 through a predetermined key tone (1320).

On the other hand, if the landline number is confirmed (1310), and / or provided with the landline number from the landline (1320), the server 300 is processed in association with the landline number from the storage medium 130 By extracting stored payment processing target information (1325) and providing the payment processing target information through the call channel, predetermined payment for payment processing according to the present invention among at least one payment merchant included in the payment processing target Request to select a merchant (eg, output a voice announcement).

If the payment merchant selection information in the form of a key tone is received from the landline telephone (1335), the server 300 selects a payment amount corresponding to the payment affiliated merchant and / or a payment target to the landline telephone through the call channel. Request (eg, output a voice announcement) (1340).

If the payment payment amount and payment object selection information in the form of a key tone is received from the wire telephone (1345), the server 300 performs a payment processing process using the obtained payment processing information.

Figure 14 illustrates a payment approval process using a credit card according to another embodiment of the present invention.

More specifically, FIG. 14 is a process of finally approving the payment through the wire telephone when the payment processing information is obtained through the process shown in FIG. 13, and is commonly known in the art. Persons having the present invention may infer various implementation methods for finally approving the payment process by referring to and / or modifying the drawing 14, but the present invention includes all the inferred implementation methods, as shown in this drawing 14 It is not limited to the implemented method.

For example, this drawing 14 is described as a final approval of the payment processing through the approval method, if those of ordinary skill in the art to which the present invention belongs, refer to and / or modified this drawing 14 escrow It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

Hereinafter, in FIG. 14, the payment processing server 300 shown in FIG. 9 is referred to as "server" for convenience.

Referring to FIG. 14, when the payment processing information is obtained through the process illustrated in FIG. 13, the server 300 obtains payment merchant information and payment amount information available for the payment processing from the storage medium 130. Extraction (1400), and extracts credit card information stored in association with the landline number from the storage medium 130 (1405).

Thereafter, the server 300 requests predetermined authentication information to the landline phone through the call channel (1410). If the requested authentication information is confirmed from the landline phone (1415), the server 300 Extracts the customer authentication information stored in association with the landline phone number from the storage medium 130 (1420), and compares and authenticates the authentication information verified from the landline phone with the extracted customer authentication information, thereby making the payment. The process confirms the approval (1425).

If the payment process is not approved (1430), the server 300 repeats the process of requesting the authentication information to the landline.

On the other hand, if the payment processing is approved (1430), the server 300 provides the credit card information, payment amount information and the payment merchant information to the credit payment server (1435), corresponding to the financial system 345 ) After the credit card payment for the payment amount is approved through the credit card information (1440), and returns the credit card payment results to the server 300 (1445).

Thereafter, the server 300 generates a predetermined payment approval history including the credit card payment processing result (1450), and outputs the payment approval details to the genetic telephone (1455).

15 is a diagram showing a payment system according to another embodiment of the present invention.

In more detail, FIG. 15 illustrates a call channel via a predetermined wired telephone when a customer landline telephone number, a check card information, and a payment processing target information for payment processing according to the present invention are stored in association with the storage medium 130. As an implementation method for a payment system for performing a payment processing according to the present invention by connecting the present invention, those skilled in the art to which the present invention pertains, the storage medium 130 by referring to and / or modified in this figure 15 However, various implementation methods for the payment system corresponding to the case where the customer landline telephone number, the check card information, and the payment processing target information for the payment processing according to the present invention are linked and stored may be inferred. It includes all inferred methods of implementation, and the present invention is not limited thereby.

For example, in FIG. 15, the payment processing server 300 for processing a payment according to the present invention is illustrated as one server. However, the payment processing server 300 may be separated into at least two servers. This is not limited.

According to FIG. 15, the payment system connects a predetermined wire telephone with a call channel, and a predetermined financial system 345 and a predetermined financial system for processing a financial settlement using the check card information stored in the storage medium 130. Characterized in that it comprises a payment processing server 300 linked through the interface means.

The check payment server is characterized by comprising at least one check payment server and the financial system (345).

The financial system 345 is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. Accounting system for handling window services such as credit or reception or trust or foreign exchange occurring in the above branch (or window), information system for processing headquarters business, branch information support and customer information management, and the financial system 345 ) And at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, etc.) provided on at least one other financial system 345 (and / or payment system) IC chip-based wireless banking, telebanking, TV banking, etc.) to access the financial system 345, and / or And an external system that provides a variety of financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system 345 is configured in the financial system. An interface module corresponding to a middleware platform that provides inter-element interfacing, and predetermined information (eg, ledger information, and / or customer information, and / or information required for each function in a component in the financial system); and / Or a DBMS (DataBase Management System) including at least one database for storing and managing management information.

In addition, the financial system 345 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 345 and the purpose of the financial system 345. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 345, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the financial system 345 is connected to the payment processing server 300 through the interface means for payment processing according to the present invention, the external system provided in the financial system 345 is the payment It is preferable that a predetermined check payment unit interworking with the processing server 300 is provided.

According to the implementation method of the present invention, the check payment unit checks whether the amount corresponding to the payment amount requested from the payment merchant in the financial account corresponding to the check card information in connection with the payment processing server 300 and (E.g., confirming that a sufficient amount for payment processing of the payment amount is deposited), and returning the result to the payment processing server 300 is preferable.

According to an exemplary embodiment of the present invention, when an amount corresponding to a payment amount requested from the payment affiliate store is deposited in a financial account corresponding to the check card information (for example, a sufficient amount to process the payment amount) Is deposited), the check payment unit when the amount corresponding to the payment amount of money deposited in the financial account in connection with the payment processing server 300 is transferred to the financial account corresponding to the payment merchant; It is preferable to set a lock so as not to be withdrawn by another financial transaction request until, and when the payment is finally approved, the lock is released and corresponding to the payment amount from the financial account corresponding to the check card information It is preferable to withdraw the amount to be transferred to a financial account corresponding to the payment merchant.

According to another exemplary embodiment of the present invention, when an amount corresponding to a payment amount requested from the payment affiliate store is deposited in a financial account corresponding to the check card information (eg, the payment amount may be processed). When a sufficient amount is deposited, the check payment unit, in connection with the payment processing server 300, transfers an amount corresponding to the payment amount among the amounts deposited in the financial account to a predetermined temporary account (for example, an escrow account). Escrow Account), and when the payment is finally approved, it is preferable to withdraw the amount deposited in the temporary account and transfer it to the financial account corresponding to the payment merchant.

Referring to FIG. 15, the payment processing server 300 performs a call connection procedure for at least one landline telephone through a predetermined telephone network (PSTN) and / or a VoIP network, thereby making payment according to the wireline telephone and the present invention. And a setting unit 315 as a call connecting a communication channel for processing, whereby the payment processing server 300 is connected to the telephone network (PSTN) and / or the VoIP network. Performs an Automatic Response Service (ARS) server function.

If one of ordinary skill in the art to which the present invention pertains, the call path setting unit 315 performs a predetermined call connection procedure with the landline through a predetermined telephone network (PSTN) and / or a VoIP network. Since you will be familiar with the method of connecting a communication channel for payment processing according to the invention, a detailed description thereof will be omitted for convenience.

According to the present invention, the payment processing server 300 in the process of connecting at least one or more wired telephone and a call channel through the call path setting unit 315 (for example, performing a call connection procedure), the genetic An exchanger on a telephone network (PSTN) to which a telephone is connected, and / or a gatekeeper on the VoIP network (e.g., a caller ID display function provided in the telephone network (PSTN), and / or a caller provided on the VoIP network) Through the number display function) characterized in that it comprises an information confirmation unit 330 to confirm the landline number.

Those skilled in the art to which the present invention pertains, the caller ID display function provided in the telephone network (PSTN) to which the genetic telephone is connected in the process of performing the call connection procedure of the information checking unit 330, and / Or you will be familiar with the method of verifying the landline number through the caller ID display function provided in the VoIP network, a detailed description thereof will be omitted for convenience.

In addition, the information confirming unit 330 is characterized in that after the wired telephone number is confirmed, from the storage medium 130 to extract at least one or more payment processing target information stored in association with the customer landline telephone number. The payment processing target information includes at least one payment merchant information, payment amount information, and payment target information registered by the customer.

According to another exemplary embodiment of the present invention, the information verification unit 330 is provided through the caller ID display function provided in the telephone network (PSTN) to which the genetic telephone is connected, and / or the caller ID display function provided in the VoIP network. If the landline phone number cannot be confirmed (for example, when the caller ID display rejection function is set in the landline), the information checking unit 330 is a voice information providing unit 335 provided in the payment processing server 300. It is possible to induce to generate a key ring tone corresponding to the landline telephone number to the landline telephone, and to receive and confirm the landline telephone number through the ringtone processing unit 320 provided in the payment processing server 300. The present invention is not limited thereto.

According to the present invention, the payment processing server 300 converts the payment processing target information into voice information when the information checking unit 330 extracts at least one payment processing target information from the storage medium 130. And a voice information providing unit 335 provided to the wired telephone through the call path setting unit 315, wherein the voice information providing unit 335 voices the payment processing target information. The method for converting the information into the wired telephone through the call setting unit may first provide at least one affiliated store information included in the payment processing target information to the wired telephone in association with a predetermined number, and / or the And providing the payment target information and the payment amount information corresponding to payment merchant information to the wired telephone in association with a predetermined number. Lose.

In addition, the voice information providing unit 335 is configured to process the guide information for inducing the customer to generate at least one or more key signals for payment processing according to the present invention through a landline telephone in the form of voice information to set the call path Characterized in that it provides to the landline through 315, the key tone generated in the landline telephone is received by the signal processing unit 320 provided in the payment processing server (300).

In addition, the voice information providing unit 335 is a key tone corresponding to the predetermined customer authentication information to the landline through the call path setting unit 315 to confirm the validity of the payment processing according to the present invention. It is characterized in that the guidance information to guide to generate in the form of voice information processing, the key signal sound generated in the landline telephone is received by the signal processing unit 320 provided in the payment processing server (300).

If one of ordinary skill in the art to which the present invention pertains, the voice information providing unit 335 converts the payment processing target information into voice information and guides the wired telephone through the call path setting unit 315. And / or guide information for generating at least one key signal for payment processing according to the present invention in the form of voice information and providing the same to the landline through the call path setting unit 315. Since it will be familiar with, etc., detailed description thereof will be omitted for convenience.

The tone processing unit 320 included in the payment processing server 300 processes the key signal generated by the landline through the call setting unit in a dual frequency multi-frequency (DTMF) scheme to "0 to 9". The number and the "*" code and "#" code, characterized in that the conversion, and the number and code is provided to the information processing unit 325 provided in the payment processing server 300.

Those skilled in the art to which the present invention pertains, the signal tone processing unit 320 processes the key tone generated in the landline through the call path setting unit 315 by a complex frequency code (DTMF) method Since you will be familiar with the technical features of converting numbers from "0 to 9", "*" and "#" symbols, detailed description thereof will be omitted for convenience.

The information processing unit 325 included in the payment processing server 300 may include at least one or more information corresponding to payment processing target information provided to the landline phone by the voice information providing unit 335 through the tone processing unit 320. And payment selection information, payment object and payment amount selection information, and the payment processing according to the present invention corresponding to the payment merchant selection information and payment object and payment amount selection information from the storage medium 130. It is characterized by extracting the payment merchant information and payment amount information required for.

Here, the payment merchant information necessary for the payment processing is information capable of payment processing through the check card information stored in the storage medium 130, preferably the payment merchant information (or payment terminal provided in the payment merchant) Corresponding terminal information, and / or account information corresponding to the payment affiliated store).

In addition, when the payment merchant information and payment amount information necessary for payment processing according to the present invention is extracted from the storage medium 130, the information processing unit 325 is the information confirmation unit 330 from the storage medium 130 It is characterized by extracting the check card information stored in the storage medium 130 is processed in conjunction with the customer landline number confirmed by.

When the check card information, payment merchant information and payment amount information is extracted as described above, the information processing unit 325 is provided with the extracted check card information, payment merchant information and payment amount information in the payment processing server 300. By providing the authorization processing unit 310 and / or payment processing unit 305, the payment processing according to the present invention is processed.

According to another exemplary embodiment of the present invention, the voice information providing unit 335, the signal processing unit 320, and the information processing unit 325 interoperate with each other to generate a key tone corresponding to the payment amount information from the customer landline. It is possible to obtain, and thereby the present invention is not limited.

In addition, when the predetermined information is received from the landline through the signal tone processing unit 320, the information processing unit 325 confirms the customer landline telephone to the information verification unit 330 from the storage medium 130. Extracting the customer authentication information stored in association with the number, and comparing and authenticating the authentication information received through the tone processing unit 320 and the customer authentication information extracted from the storage medium 130, the validity of the payment processing It is characterized by checking.

According to the present invention, the payment processing server 300 is the payment to the check payment server based on the check card information extracted from the storage medium 130 and the payment amount information through the information verification unit 330 Characterized in that it comprises a temporary approval processing unit 310 for requesting approval for the processing.

The approval processing unit 310 provides the check card information and the payment amount information to the check payment server through a predetermined interface means, thereby checking whether the payment amount can be processed through the check card. It is characterized in that the process of confirming the approval possibility.

According to an exemplary embodiment of the present invention, when the card information associated with the customer landline number is a check card, the approval processing unit 310 provides the check card information and the payment amount information to the check payment server. In addition, the amount of money deposited in the financial account associated with the check card is characterized in that the check card payment approval possibility confirmation process for confirming whether a sufficient amount to process the payment amount by debit method is deposited.

If the check card payment approval possibility confirmation process is performed, and the payment amount can be processed through the check card payment, the approval processing unit 310 is linked with the check payment server to the check card It is characterized by the approval of the settlement.

According to an exemplary embodiment of the present invention, when the card information associated with the customer landline number is a check card, the approval processing unit 310 checks the amount corresponding to the payment amount in connection with the check payment server. In the financial account associated with the card is characterized in that the check payment lock process to prevent withdrawal by another financial transaction.

According to another exemplary embodiment of the present invention, the approval processing unit 310 may process a check card payment approval possibility confirmation process and a card payment lock process in association with the check payment server, thereby limiting the present invention. Not.

According to another embodiment of the present invention, in the check card settlement, when the escrow function is provided in the financial system 345 in which the financial account associated with the check card is opened, the approval processing unit ( 310 may withdraw the amount corresponding to the payment amount from the financial account associated with the check card in connection with the check payment server and deposit it into a predetermined temporary account (eg, an escrow account). When the card payment lock process for the check card payment may be omitted, whereby the present invention is not limited.

In particular, when the card payment lock process for the check card is omitted, the check card payment approval possibility check process may be performed by the payment processing unit 305 provided in the payment processing server 300, whereby The invention is not limited.

According to the present invention, if the payment processing server 300 is finally approved (for example, when the final approval through the customer wireless terminal) according to the present invention, in connection with the check payment server through the check card And a payment processing unit 305 for final payment approval processing of the amount corresponding to the payment amount and generating a predetermined payment approval history corresponding to the payment processing.

Also, after the check card payment approval possibility confirmation process (and / or the card payment lock process) is performed, if the final approval is not performed for a predetermined time, the payment processing unit 305 may perform the payment process (for example, the card payment confirmation and the like). And / or payment approval details corresponding to the card payment lock).

In addition, when the check card payment error occurs while the check card payment approval possibility confirmation process is performed, the payment processing unit 305 may generate a payment approval history corresponding to the payment processing.

Here, the check card payment error is preferably made to include an error exceeding the limit amount, the check card payment error is preferably made to include a balance shortage error of the financial account associated with the check card.

According to the present invention, the payment processing server 300 is characterized in that it comprises an information transmission unit 340 for providing the payment approval details to at least one customer communication means, wherein the customer communication means is a wireless message ( For example, a short message or a multimedia message) includes a customer-owned mobile communication terminal capable of receiving and / or at least one customer-owned e-mail address.

In addition, the information transmitting unit 340 is characterized in that to provide the payment approval details to the merchant (or payment processing target) communication means corresponding to the payment merchant, wherein the merchant (or payment processing target) communication means The merchant includes at least one predetermined merchant terminal, and / or a mobile communication terminal of an affiliated store representative (or employee), and / or an email address of the affiliated store representative (or employee).

16 is a diagram illustrating a process of receiving check card-based payment processing information from a landline phone according to an embodiment of the present invention.

More specifically, FIG. 16 is a method for receiving payment processing information for payment processing according to the present invention from a landline telephone on the payment system shown in FIG. 3, and the general knowledge in the technical field to which the present invention pertains. If you have, it will be able to infer various implementation methods for receiving payment processing information for payment processing according to the present invention from the landline by referring to and / or modifying the Figure 16, the present invention is inferred implementation method It includes all, and is not limited to the embodiment shown in FIG.

Referring to FIG. 16, the wireline connects a call channel with the server 300 by performing a predetermined call connection procedure through a telephone network (PSTN) and / or a VoIP network for payment processing according to the present invention (1600). In response, the server 300 confirms the wired telephone number in connection with the telephone network (PSTN) and / or the VoIP network (eg, through a caller ID function) (1605).

If the landline number is not verified (1610), the server 300 requests to provide the landline number to the landline through the call channel (eg, outputs a voice announcement) (1615). In response, the landline provides the wired telephone number to the server 300 through a predetermined key tone (1620).

On the other hand, if the landline number is confirmed (1610), and / or provided with the landline number from the landline (1620), the server 300 is processed in association with the landline number from the storage medium 130 By extracting stored payment processing target information (1625) and providing the payment processing target information through the call channel, predetermined payment for payment processing according to the present invention among at least one payment affiliate store included in the payment processing target. Request to select a merchant (eg, output a voice announcement).

If the payment merchant selection information in the form of a key tone is received from the landline telephone (1635), the server 300 selects a payment amount corresponding to the payment affiliated merchant and / or a payment target to the landline telephone through the call channel. Request (eg, output a voice announcement) (1640).

If the payment payment amount and payment object selection information in the form of a key tone is received from the landline (1645), the server 300 provides payment merchant information and payment amount information available for the payment processing from the storage medium 130. Extract (1650), and extract the check card information stored in association with the landline number from the storage medium 130 (1655).

Figure 17 illustrates a payment processing process using a check card according to an embodiment of the present invention.

More specifically, FIG. 17 illustrates a payment processing process using check card information, payment amount information, and payment merchant information obtained through the process illustrated in FIG. 16, and has a general knowledge in the technical field to which the present invention belongs. If various payment processing procedures can be inferred by referring to and / or modifying the drawing 17, the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in the drawing 17.

Hereinafter, in FIG. 17, the payment processing server 300 shown in FIG. 3 is referred to as a “server” for convenience.

Referring to FIG. 17, when check card information, payment amount information, and payment merchant information are obtained through the process illustrated in FIG. 16, the server 300 transmits the check card information and the payment amount information to the server 300. By transmitting to the check payment server associated with (1700), the balance of the financial account associated with the check card in connection with the financial system 345 opened the financial account associated with the check card in the check payment server is the payment amount Check whether it is possible to process the payment amount through the account balance inquiry (1705).

If it is determined that the payment amount cannot be processed through the check card payment (1710), the check payment server returns a result of the payment processing impossible to the server 300 (1715), and correspondingly the server 300 generates a predetermined payment approval history including a check card payment error result (1720), and provides the payment approval details to the landline telephone (1725).

On the other hand, if it is possible to process the payment amount through the check card payment as a result of the check (1710), the check payment server returns a possible result of payment processing to the server 300 (1730).

18 illustrates a payment approval process using a check card according to an embodiment of the present invention.

More specifically, FIG. 18 is a process for finally approving the payment through the landline after confirming that payment processing through the check card is possible from the check payment server through the process shown in FIG. 17. Persons having ordinary skill in the art to which the present invention pertains may be able to infer various implementation methods for final approval of the payment processing by referring to and / or modifying the drawing 18, but the present invention may be inferred from the above-described implementation. All the methods are included, and the method is not limited to the embodiment shown in FIG.

For example, this figure 18 is described as a final approval of the payment process through the approval method, if those of ordinary skill in the art to which the present invention belongs, reference to and / or modified this figure 18 escrow It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

Hereinafter, in FIG. 18, the payment processing server 300 shown in FIG. 3 is referred to as a “server” for convenience.

Referring to FIG. 18, when it is confirmed that payment processing through the check card payment is possible from the check payment server through the process shown in FIG. 17, the server 300 sends the check card information to the check payment server. The approval request for payment of the check card is requested through payment amount information (1800), and in response, the check payment server deposits an amount deposited in the financial account associated with the check card through the check card information and the payment amount information. An authorization process is performed to prevent the withdrawal by the other check card settlement request and / or another financial transaction request (1805).

According to another exemplary embodiment of the present invention, when the financial system 345 in which the financial account associated with the check card is opened provides an escrow function, the client bank account is transferred from the customer financial account through an escrow function instead of the check card lock. The amount corresponding to the settlement amount may be withdrawn and transferred to a predetermined temporary account (for example, an escrow account), whereby the present invention is not limited thereto.

Thereafter, the server requests predetermined authentication information from the landline through the call channel (1810). If the requested authentication information is confirmed from the landline (1815), the server 300 stores the storage. Extracting customer authentication information stored in association with the landline phone number from the medium 130 (1820), and comparing and authenticating the authentication information verified from the landline phone with the extracted customer authentication information, whether the payment processing is approved or not Check (1825).

If the payment process is not approved (1830), the server 300 repeats the process of requesting the authentication information to the landline.

On the other hand, if the payment processing is approved (1830), the server 300 provides the check card information, payment amount information and the payment merchant information to the check payment server (1835), corresponding to the financial system 345 ), After approval processing of the check card payment for the payment amount through the check card information (1840), and returns the check card payment results to the server 300 (1845).

Thereafter, the server 300 generates a predetermined payment approval history including the check card payment processing result (1850), and outputs the payment approval details to the genetic telephone (1855).

19 is a diagram illustrating a process of receiving check card based payment processing information from a landline according to another embodiment of the present invention.

More specifically, FIG. 19 is a method for receiving payment processing information for payment processing according to the present invention from a landline telephone on the payment system shown in FIG. 3, and the general knowledge in the technical field to which the present invention pertains. Those who have the same will be able to infer various implementation methods for receiving payment processing information for payment processing according to the present invention from the landline by referring to and / or modifying this drawing 19. It includes all, and is not limited to the embodiment shown in FIG.

Referring to FIG. 19, the wireline connects a call channel with the server 300 by performing a predetermined call connection procedure through a telephone network (PSTN) and / or a VoIP network for payment processing according to the present invention (1900). In response, the server 300 confirms the wired telephone number in connection with the telephone network (PSTN) and / or the VoIP network (eg, through a caller ID function) (1905).

If the landline number is not verified (1910), the server 300 requests to provide the landline number to the landline phone through the call channel (eg, outputs a voice announcement) (1915). In response, the wireline telephone provides the wireline telephone number to the server through a predetermined key tone (1920).

On the other hand, if the landline number is confirmed (1910), and / or provided with the landline number from the landline (1920), the server 300 is processed in association with the landline number from the storage medium 130 By extracting stored payment processing target information (1925) and providing the payment processing target information through the call channel, predetermined payment for payment processing according to the present invention among at least one payment merchant included in the payment processing target. Request to select a merchant (eg, output a voice announcement).

If the payment merchant selection information in the form of a key tone is received from the landline (1935), the server 300 selects a payment amount corresponding to the payment affiliated store and / or a payment target to the landline through the call channel. Request (eg, output a voice announcement) (1940).

If the payment payment amount and payment object selection information in the form of a key tone is received from the wire telephone (1945), the server 300 performs a payment processing process using the obtained payment processing information.

20 illustrates a payment approval process using a check card according to another embodiment of the present invention.

More specifically, FIG. 20 illustrates a process of finally approving the payment through the wire telephone when the payment processing information is obtained through the process illustrated in FIG. 19, and is commonly known in the art. Persons having the present invention may infer various implementation methods for finally approving the payment process by referring to and / or modifying the drawing 20, but the present invention includes all the inferred implementation methods, and is shown in this drawing 20. It is not limited to the implemented method.

For example, this drawing 20 is described as a final approval of the payment processing through a method of approval, and if one of ordinary skill in the art to which the present invention belongs, refer to and / or modified this drawing 20 escrow It will be possible to infer an implementation method of finally approving the payment process through the method, and the present invention includes an implementation method of finally approving the payment process through the escrow method.

Hereinafter, in FIG. 20, the payment processing server 300 shown in FIG. 3 is referred to as a "server" for convenience.

Referring to FIG. 20, when the payment processing information is obtained through the process illustrated in FIG. 19, the server 300 obtains payment merchant information and payment amount information available for the payment processing from the storage medium 130. Extraction (2000), and extracts the check card information stored in association with the landline number from the storage medium 130 (2005).

Thereafter, the server 300 requests predetermined authentication information to the landline phone through the call channel (2010). If the requested authentication information is confirmed from the landline phone (2015), the server 300 The customer extracts and stores the customer authentication information stored in association with the wired telephone number from the storage medium 130 (2020), and compares and authenticates the authentication information verified from the wired telephone and the extracted customer authentication information, thereby making the payment. Check whether the processing is approved (2025).

If the payment process is not approved (2030), the server 300 repeats the process of requesting the authentication information to the landline.

On the other hand, if the payment processing is approved (2030), the server 300 provides the check card information, payment amount information and the payment merchant information to the check payment server (2035), the corresponding financial system 345 ), After the check card payment for the payment amount is approved through the check card information (2040), and returns the check card payment results to the server 300 (2045).

Thereafter, the server 300 generates a predetermined payment approval history including the check card payment processing result (2050), and outputs the payment approval details to the genetic telephone (2055).

 According to the present invention, a customer can easily and conveniently process payments such as school expenses using a home landline telephone, and a target of processing payments using a customer landline telephone number connected to a customer payment means such as a child school expenses. By storing and registering, it has the effect of blocking the source of abuse caused by the leakage of the customer's landline telephone number and at the same time, eliminating the inconvenience that the customer had to directly enter the payment processing target information.

For example, the customer registers the information that he or she wants to process the child's school expenses and newspaper charges of the school A with the payment method linked with the landline phone number, and calls the phone number given to the payment agency using the home landline phone. Simply connect to the ARS system and select any one of the customer's pre-registered payment processing information. Then, the payment agency will check the customer's landline phone number and use the information selected by the customer. As the payment process is automatically performed, the customer can easily and conveniently settle the payment without additional manipulation by simply connecting the call to the phone number assigned to the payment agency, etc. by the home landline telephone. You will only pay the school fees or newspaper charges for your child, so you will not be able to process payments for other purposes using the payment method associated with your landline phone number. You can do it.

Claims (10)

In the predetermined information storage means, customer landline telephone number information, customer payment means (payment means including at least one account, credit card, check card, prepaid card, etc.) and at least one payment processing information-payment merchant information and An information storage step of linking the payment amount information and the payment processing target information including at least one payment target information to a predetermined storage medium; When the call is connected to the customer landline, at least predetermined information check means confirms the number information of the landline telephone connected to the call, and is connected to the storage medium (or storage medium operating means), at least in connection with the landline. An information checking step of checking at least one payment processing target information; Any payment processing object for guiding the identified at least one payment processing object information to the wired telephone connected to the call from a predetermined information processing means, and requesting a payment processing among the at least one payment processing target information from the wire telephone. An information processing step of transmitting the selected payment processing target information and customer payment means information associated with the wired telephone number previously stored in the storage medium to a payment processing means corresponding to the payment means after receiving the selection signal; And And a payment processing step of performing the payment processing on the payment processing object by using the payment processing target information and the customer payment means information in the payment processing means. The payment processing step, If the payment method associated with the customer landline is an account, Checking the balance of the customer account in the payment processing means to check whether the amount of money can be withdrawn corresponding to the payment processing request; Processing a temporary approval corresponding to the payment processing request by the payment processing means when withdrawal is possible as a result of checking whether the withdrawal of money corresponding to the payment processing request is possible; When a server on the communication network connected to the payment processing means transmits the withdrawal details corresponding to the payment processing to the communication means of the customer, and receives the account withdrawal approval information from the communication means of the customer, it is sent to the payment processing means. Notifying; And converting the approval process to an approval process based on the account withdrawal approval information in the payment processing means. If the payment method associated with the customer landline is a credit card, Checking the credit limit of the customer credit card in the payment processing means to confirm whether the amount of money corresponding to the payment processing request can be approved; If the approval processing is possible as a result of confirming whether or not the approval processing of the amount corresponding to the payment processing request is possible, processing the approval in the payment processing means corresponding to the payment processing request; When the server on the communication network connected to the payment processing means transmits the payment processing history to the communication means of the customer, and receives the approval information for the payment processing from the communication means of the customer, it is notified to the payment processing means. step; And converting the approval process into an approval process on the basis of the approval information in the payment processing means. If the payment method associated with the customer landline is a check card, The payment processing means checks the payment account corresponding to the customer check card, and in conjunction with the account management means for managing the payment account, to check whether the withdrawal of money corresponding to the payment processing request is possible, and to the payment account Requesting setting of an amount withdrawal prevention lock corresponding to the payment processing request; When the server on the communication network connected to the payment processing means transmits the payment processing history to the communication means of the customer, and receives the approval information for the payment processing from the communication means of the customer, it is notified to the payment processing means. step; And requesting the lock release and withdrawal of a payment amount set in the payment account to the account management means on the basis of the approval information by the payment processing means. The predetermined information storage means associates the customer landline number information with the customer payment means (payment means including at least one account, credit card, check card, prepaid card, etc.) and at least one payment processing target information. Storing information in a storage medium of the information storage step; When the call is connected to the customer landline, at least predetermined information check means confirms the number information of the landline telephone connected to the call, and is connected to the storage medium (or storage medium operating means), at least in connection with the landline. An information checking step of checking at least one payment processing target information; Any payment processing object for guiding the identified at least one payment processing object information to the wired telephone connected to the call from a predetermined information processing means, and requesting a payment processing among the at least one payment processing target information from the wire telephone. After receiving the selection signal and the payment amount information, the payment processing means corresponding to the payment means, the selected payment processing target information and payment amount information and the customer payment means information associated with the landline telephone number previously stored in the storage medium; An information processing step of transmitting to; And And a payment processing step of performing payment processing on the payment processing target by using the payment processing target information, payment amount information, and customer payment means information in the payment processing means. If the payment method associated with the customer landline is a credit card, Checking the credit limit of the customer credit card in the payment processing means to confirm whether the amount of money corresponding to the payment processing request can be approved; If the approval processing is possible as a result of confirming whether or not the approval processing of the amount corresponding to the payment processing request is possible, processing the approval in the payment processing means corresponding to the payment processing request; When the server on the communication network connected to the payment processing means transmits the payment processing history to the communication means of the customer, and receives the approval information for the payment processing from the communication means of the customer, it is notified to the payment processing means. step; And converting the approval process into an approval process on the basis of the approval information in the payment processing means. If the payment method associated with the customer landline is a check card, The payment processing means checks the payment account corresponding to the customer check card, and in conjunction with the account management means for managing the payment account, to check whether the withdrawal of money corresponding to the payment processing request is possible, and to the payment account Requesting setting of an amount withdrawal prevention lock corresponding to the payment processing request; When the server on the communication network connected to the payment processing means transmits the payment processing history to the communication means of the customer, and receives the approval information for the payment processing from the communication means of the customer, it is notified to the payment processing means. step; And requesting the lock release and withdrawal of a payment amount set in the payment account to the account management means on the basis of the approval information by the payment processing means. In the predetermined information storage means, customer landline telephone number information, customer payment means (payment means including at least one account, credit card, check card, prepaid card, etc.), payment processing information-payment merchant information, payment amount An information storing step of linking the information and the payment processing target information including at least one payment target information to a predetermined storage medium; When the call is connected to the customer's landline telephone, the predetermined information checking means checks the number information of the landline telephone connected to the call, and is linked with the storage medium (or the storage medium operating means), and processes payment associated with the landline telephone number. An information checking step of confirming processing target information; The predetermined information processing means guides the confirmed payment processing target information to the wired telephone connected to the call, receives payment approval information for the payment processing target information from the wire telephone, and then stores the payment processing target information and the storage. An information processing step of transmitting customer payment means information associated with the wireline telephone number previously stored in a medium to a payment processing means corresponding to the payment means; And And a payment processing step of performing the payment processing on the payment processing object by using the payment processing target information and the customer payment means information in the payment processing means. If the payment method associated with the customer landline is a credit card, Checking the credit limit of the customer credit card in the payment processing means to confirm whether the amount of money corresponding to the payment processing request can be approved; If the approval processing is possible as a result of confirming whether or not the approval processing of the amount corresponding to the payment processing request is possible, processing the approval in the payment processing means corresponding to the payment processing request; When the server on the communication network connected to the payment processing means transmits the payment processing history to the communication means of the customer, and receives the approval information for the payment processing from the communication means of the customer, it is notified to the payment processing means. step; And converting the approval process into an approval process on the basis of the approval information in the payment processing means. If the payment method associated with the customer landline is a check card, The payment processing means checks the payment account corresponding to the customer check card, and in conjunction with the account management means for managing the payment account, to check whether the withdrawal of money corresponding to the payment processing request is possible, and to the payment account Requesting setting of an amount withdrawal prevention lock corresponding to the payment processing request; When the server on the communication network connected to the payment processing means transmits the payment processing history to the communication means of the customer, and receives the approval information for the payment processing from the communication means of the customer, it is notified to the payment processing means. step; And requesting the lock release and withdrawal of a payment amount set in the payment account to the account management means on the basis of the approval information by the payment processing means. The method according to claim 1 or 2 or 3, The payment processing method using a wireline telephone, characterized in that the predetermined information transmitting means further comprises the step of transmitting the payment details to the payment processing target or the customer communication means. The method according to claim 1 or 2 or 3, And requesting customer authentication information from the wired telephone to which the call is connected in a predetermined information processing means, receiving customer authentication information from the wire telephone, and then authenticating the validity of the customer or the wire telephone. Payment method using landline phone. delete delete A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 3. delete delete

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