KR100933473B1 - Communication Media Adaptive VIO Terminal - Google Patents

Abstract

The present invention relates to a communication medium adaptive VoIP terminal, a method for operating a VoIP terminal, and a recording medium therefor. The communication medium adaptive VoIP terminal according to the present invention includes a local area communication unit for processing a short range wireless communication and a wide area network connected to a wide area network. Short-range communication device having an option board having at least one card interface unit for interfacing with a communication unit, a card reader device, and an interface unit for interfacing with the option board, and operated by a short-range communication unit provided in the option board. A VoIP terminal comprising a main board having a wide area communication device unit operated by the wide area communication unit and at least one card reader device unit interfaced by the card interface unit. Checking the short-range communication function provided in the short-range communication unit When the short board communication unit and the short-range communication function of the option board are confirmed, the short-range communication device unit on the main board is initialized to the checked short-range communication function, and the short-range communication device unit on the main board is located in the short-range communication unit on the option board. To interface the card reader device on the main board with the local area communication control unit processing to control, and the wide area communication unit processing on the option board to control the wide area communication device unit on the main board. And a card interface controller for controlling the local area communication device unit and the local area communication controller to provide a VoIP voice call connection function through a wide area network.

Communication media adaptation, VoIP, terminal operation

Description

VOIP Device Adaptive for Communication Medium

1 is a diagram illustrating a functional configuration of a VoIP composite terminal having a selective payment (or financial transaction) function according to a communication medium identification according to an embodiment of the present invention.

2 is a diagram illustrating a process of initializing a wireless communication function after checking a wireless communication function included in an option board according to an embodiment of the present invention.

3 is a diagram illustrating a process of initializing the wired communication function after checking the wired communication function included in the option board according to the embodiment of the present invention.

4 is a diagram illustrating a process of initializing an optical communication function after checking an optical communication function included in an option board according to an embodiment of the present invention.

5 is a diagram illustrating a process of initializing a security application module after checking the security application module included in the option board according to an embodiment of the present invention.

6 is a diagram illustrating a process of initializing a card interface after checking a card interface included in an option board according to an embodiment of the present invention.

FIG. 7 is a diagram illustrating a VoIP composite terminal operation process for searching for a communication medium for selective payment processing according to a communication medium identification according to an embodiment of the present invention.

8 is a diagram illustrating an operation of a VoIP composite terminal for searching for a communication medium for selective financial transaction processing according to a communication medium identification according to an embodiment of the present invention.

FIG. 9 is a diagram illustrating a VoIP composite terminal operation process for searching for a communication medium for payment of a branch through selective payment (or financial transaction) according to a communication medium identification according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating an operation of a VoIP composite terminal for searching for a communication medium for ticket reservation / advance processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

FIG. 11 is a diagram illustrating a VoIP composite terminal operation process for searching for a communication medium for electronic money charging processing through selective payment (or financial transaction) according to the communication medium identification according to the embodiment of the present invention.

<Description of main parts of drawing>

100: VoIP composite terminal 103: terminal control unit

105: card reader 107: screen output unit

110: key input unit 113: sound processing unit

115: memory 117: power supply

120: option board control unit 123: option board

125: communication channel connection unit 127: message receiving unit

130: message confirmation unit 133: information confirmation unit

135: mode switching unit 137: interface output unit

140: information input unit 143: information generation unit

145: information transmission unit 147: communication medium information storage unit

150: voice call processing unit 153: data communication processing unit

155: communication medium confirmation unit 157: communication medium search unit

160: interface unit 163: option board check unit

165: wireless communication control unit 167: wired communication control unit

170: optical communication control unit 173: security application module control unit

175: card interface control unit 177: interface unit

180: wireless communication unit 183: wired communication unit

185: optical communication unit 187: security application module

190: card interface unit

The present invention provides a local area communication unit for processing short-range wireless communication, a wide area communication unit for connecting to a wide area network, an option board including at least one card interface unit for interfacing with a card reader, and an interface for interfacing with the option board. And a local area communication device unit operated by a local area communication unit provided in the option board, a wide area communication device unit operated by the wide area communication unit, and one or more card reader device units interfaced by the card interface unit. In the VoIP terminal provided with a main board (Main Board), the option board check unit for confirming the short-range communication function provided in the short-range communication unit on the option board, and if the short-range communication function of the option board is confirmed, the main board The short-range communication device on the confirmed short-range communication A local area communication control unit for initializing a function and processing the local area communication unit on the main board to control the local area communication unit on the main board, and the wide area communication unit on the option board to control the wide area communication unit on the main board. And a card interface controller controlling the card interface unit on the main board to interface with the card interface unit on the option board, wherein the local area communication unit and the local area communication unit provide a VoIP voice call connection function through a wide area network. The present invention relates to a communication medium adaptive VoIP terminal.

With the continuous development of information and communication technology and the establishment of VoIP infrastructure based on the selection of Voice over Internet Protocol (VoIP) providers, voice calls over IP communication networks (for example, IP-based wired network and IP-based wireless communication network) rather than the existing telephone network (or intelligent network) VoIP services that simultaneously provide services, data communications, and multimedia services are becoming more and more popular.

Since the VoIP service uses an IP communication network distributed to each home (or store or office) rather than a circuit-switched system, it is possible to provide voice calls between VoIP users at a very low price (or free). IP communication network usage fee is paid), and when the call is connected to a network other than the VoIP network (for example, an existing telephone network or an intelligent network), the operator pays the cost according to the settlement of the call charges and has a very competitive price. have.

However, not all communication media of IP networks distributed in each home (or store or office) are the same, and IP networks distributed in some homes (or stores or offices) are wired through Unshielded Twisted Pair (UTP) cables. A communication medium is provided, and the IP communication network spread in other homes (or stores or offices) is provided with a wireless communication medium using a wireless access point (AP).

Each home (or store or office) to which the IP communication network is spread is provided in various devices (eg, personal computers, laptops, etc.) or servers (eg, home servers on a home network, or large stores) using the IP communication network. Local server), and the apparatus (or server) is provided with communication means capable of using a communication medium corresponding to the IP communication network.

However, the communication means provided in the apparatus (or server) is not limited to only one communication means providing only a connection function to the IP communication network.

For example, when the IP communication network includes a wireless communication medium using a wireless AP, the apparatus (or server) is provided with short range wireless communication means for communicating with the wireless AP, but the short range wireless communication means is wireless. In addition to the AP, it is not only possible to make a communication connection with another device having the short-range wireless communication means, but the device (or server) is a wired communication means such as a LAN card for connecting to an IP communication network through a conventional wired communication medium. It is possible to further include a short-range wired communication means such as USB.

On the other hand, online payment (or non-face-to-face payment) or online using an IP communication network distributed to each device (or server) provided in each home (or store or office) and the home (or store or office). Financial transactions (or non-face-to-face financial transactions) are already active, but online (or non-face-to-face) payments (or financial transactions) using the device (or server) and IP communication network require the customer's card number (or account number) It always includes the inconvenience of inputting information to be input, the problem of information leakage due to spyware that is installed malicious in the device (or server).

An object of the present invention for solving the above problems is a local area communication unit for processing short-range wireless communication, an option board having at least one wide area communication unit for connecting to a wide area network, and an interface unit for interfacing with the option board And a local area communication device unit operated by a local area communication unit provided in the option board, a wide area communication device unit operated by the wide area communication unit, and a main board equipped with at least one each. The method may further include: verifying a short-range communication function provided in the short-range communication unit on the option board, and if the short-range communication function of the option board is confirmed, initializing the short-range communication device unit on the main board to the checked short-range communication function. A root on the main board in a short-range communication unit on the option board; Li communication device has a processing unit to control and communication media adaptive VoIP terminal management method that includes processing to control parts of a wide area communication device on the main board in the wide area communication unit on the option board to provide.

The communication medium adaptive VoIP terminal according to the present invention includes an option board including at least one local area communication unit for processing short range wireless communication, a wide area communication unit for connecting to a wide area network, and at least one card interface unit for interfacing with a card reader device; And a local area communication device unit operated by a near field communication unit provided in the option board, a wide area communication device unit operated by the wide area communication unit, and a card interfaced by the card interface unit. In a VoIP terminal comprising a main board (Main Board) having at least one reader unit, the option board check unit for confirming the short-range communication function provided in the short-range communication unit on the option board, and the short-range of the option board When the communication function is confirmed, near field communication on the motherboard A local area communication control unit for initializing a device unit to the identified local area communication function and processing the local area communication unit on the main board to control the local area communication device unit on the main board; and a wide area communication unit on the main board in the wide area communication unit on the option board. And a card interface controller for controlling a card reader device interface on the main board from the card interface unit on the option board. Is characterized by providing a VoIP voice call connection function through a wide area network.

In the communication medium adaptive VoIP terminal according to the present invention, the short-range communication function, the short-range wireless communication including at least one Bluetooth communication function, Wi-Fi (WiFi) communication function, or UWB (Ultra Wide Band system) communication function And at least one short-range wired communication function including at least one of a function, an ultra wide band system (UWB) communication function, or a serial communication function.

In the communication medium adaptive VoIP terminal according to the present invention, the option board confirming unit checks the wide area communication function provided in the wide area communication unit on the option board, and the wide area communication control unit is the wide area communication function. If confirmed, characterized in that for initializing the wide area communication unit on the main board with the identified wide area communication function.

The communication medium adaptive VoIP terminal according to the present invention has a security application module (SAM) for processing the payment security function through the card information read from the customer card in association with the card reader device unit and the card interface on the option board; When provided, the security application module provided on the option board further comprises a security application module control unit for controlling to process the payment security function through the card information.

On the other hand, according to the present invention, there is provided a method for operating an adaptive VoIP terminal according to the present invention, comprising: an option board including at least one local area communication unit for processing short range wireless communication and one or more wide area communication units connected to a wide area network; It includes an interface unit for interfacing, the local area communication device unit operated by the local area communication unit provided in the option board, the wide area communication device unit operated by the wide area communication unit, and each provided with at least one main board (Main Board) In the VoIP terminal operation method comprising the steps of: confirming the short-range communication function provided in the short-range communication unit on the option board, and if the short-range communication function of the option board is confirmed, the short-range communication device unit on the main board the identified short-range communication Initialize to function, the main communication unit in the short-range communication unit on the option board And processing to control the local area communication device unit on the board, and processing to control the wide area communication device unit on the main board by the wide area communication unit on the option board.

In the method of operating a communication medium adaptive VoIP terminal according to the present invention, when the option board is provided with a card interface unit for interfacing with a card reader device, and the main board is provided with a card reader device unit interfaced with the card interface unit, And controlling the card interface unit on the main board to interface with the card reader device on the option board.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-mentioned communication medium adaptive VoIP terminal operating method.

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

1 is a diagram illustrating a functional configuration of a VoIP composite terminal 100 having a selective payment (or financial transaction) function according to a communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a VoIP complex terminal 100 having a selective payment (or financial transaction) function according to a communication medium identification including at least one of short distance wireless communication, short distance wire communication, short distance optical communication, and wide area communication. As a person of ordinary skill in the art to which the present invention pertains, the present invention refers to and / or modifyes the optional board 123 and selectively pays (or finances) according to the identification of the communication medium. Transaction) can be inferred from the configuration of various VoIP composite terminal 100 with a processing function, the present invention comprises all the inferred implementation method, the technical features only by the implementation method shown in Figure 1 This is not limited.

Referring to FIG. 1, the VoIP terminal 100 for selective payment (or financial transaction) processing according to reading the option board 123 and identifying a communication medium is basically a terminal controller 103 and an option board controller 120. A memory unit 115, a card reader 105, a key input unit 110, a screen output unit 107, a sound processor 113, an interface unit that provides an interface with the option board 123, It is preferable to include a power supply unit 117 for supplying power to the VoIP composite terminal 100 provided on the option board 123 through the interface unit, at least one terminal functional unit ( It is possible to further comprise a).

The terminal controller 103 controls the overall operation of the VoIP composite terminal 100 in terms of function configuration, manages the flow of information or data between each component, and reads the option board 123 and the option board 123. It is characterized by interworking and controlling at least one component provided in the VoIP composite terminal 100 for a communication medium identification function and a selective payment (or financial transaction) function according to the communication medium identification. At least one processor including a Central Processing Unit (CPU) / Micro Processing Unit (MPU), an execution memory (for example, a register or a random access memory (RAM)), and a bus (BUS) for inputting and outputting predetermined data. In addition, in order to perform a function specific to the VoIP composite terminal 100 in software to load the execution memory from a predetermined recording medium (Loading) And a predetermined program routine (Routine) or program data to be arithmetic operation by the processor (thus, the communication medium identification function according to the option board 123 reading and option board 123 and the communication medium identification Software can be processed from a predetermined program recorded on a recording medium provided in the VoIP composite terminal 100 or a functional configuration provided in the VoIP composite terminal 100 for a selective payment (or financial transaction) function. It is characterized in that the component is made by the terminal control unit 103 (or shown in the option board control unit 120).

The option board control unit 120 controls the overall operation of the option board 123 when operating in connection with the option board 123 during the overall operation of the VoIP composite terminal 100 in the functional configuration, VoIP composite terminal 100 ) Manages the flow of information or data between the option board 123 and the option board 123 reading and the communication medium identification function according to the option board 123, and optional payment (or financial transaction) according to the communication medium identification. Characterized in that interoperating and controlling at least one or more components provided in the VoIP composite terminal 100 for the function, at least one or more including a hardware (Central Processing Unit) / MPU (Micro Processing Unit) And a bus for inputting and outputting a processor, an execution memory (for example, a register or a random access memory (RAM)) and predetermined data, and the terminal controller 103. One processor and execution memory may be used, or a separate processor and execution memory may be provided.

According to the exemplary embodiment of the present invention, the terminal controller 103 and the option board controller 120 are provided on the VoIP composite terminal 100 and the option board 123 (for example, the memory unit 115). And a card reader 105, a key input unit 110, a screen output unit 107, a security application module 187, at least one wireless communication unit 180, a wired communication unit 183 and an optical communication unit 185, or Controlling and managing providing the electronic payment service defined in the VoIP composite terminal 100 by interworking terminal functional units (not shown) according to the intention of those skilled in the art, as well as reading the option board 123 and a communication medium. Selective payment according to the identification of the option board 123 and communication medium control or interworking control of the components provided in the VoIP composite terminal 100 for the selective payment (or financial transaction) processing according to the identification To process payment (or financial transactions) That executing a program recorded on a recording medium provided in the VoIP compound terminal 100 is preferred.

The memory unit 115 inputs and outputs information when an operation by a predetermined program routine (or code) or program data (eg, a program routine (or code)) for controlling the overall operation of the VoIP composite terminal 100 is performed. Or a general term of non-volatile memory for storing data, and includes at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EEPROM) or flash memory (FM) or hard disk drive (HDD). In this case, the terminal control unit 103 (or the option board control unit 120) requires a predetermined program routine and program data (eg, a program routine) to perform a predetermined function. Input or output data) is stored, and according to the intention and purpose of those skilled in the art on the memory unit 115 Portion has (e.g., the option board 123 is a program routine and the program data for the operation on the function, etc.) may be provided with the option board (123) connected on the VoIP compound terminal 100.

According to an exemplary embodiment of the present invention, the memory unit 115 includes a plurality of communication medium information including at least one of short-range wireless communication, short-range wired communication, short-range optical communication, and wide-area communication provided in the VoIP composite terminal 100. And at least one payment processing information for each communication medium, banking processing information for each communication medium, giro processing information for each communication medium, ticket processing information for each communication medium, and charging processing information for each communication medium.

Here, the communication medium is a general term for a medium for exchanging information (or data) between the VoIP composite terminal 100 and an external device (or server), and connects the VoIP composite terminal 100 to an external device (or server). It is characterized in that it comprises a communication network (for example, a wired communication network, a wireless communication network) and a communication protocol provided in the communication network and various cables and radio waves (or radio transmission and reception apparatus).

According to an embodiment of the present invention, the communication medium may include a short range wireless communication medium, a short distance wired communication medium, an optical communication medium, which processes information (or data) exchange between the VoIP composite terminal 100 and an external device (or server). Preferably, the wireless communication medium includes at least one wide area communication medium, and the short range wireless communication medium includes at least one short range wireless communication medium of a packet-switched type and a short range wireless communication medium of a direct communication type. Preferably, the packet-switched local area wired communication medium and at least one local area wired communication medium of the direct communication method are included, and the wide area communication medium includes at least one wired communication medium and at least one wireless communication medium.

Here, the packet-switched short-range wireless communication medium is connected to the VoIP composite terminal 100 and a wireless access point (or wireless IP sharer) located in a short distance through a wireless connection to the short-range communication channel, the wireless AP (Or a wireless IP router) is a communication medium for wirelessly connecting a short-range communication channel to the wireless AP (or wireless IP router) and at least one device (or server) located at a short distance by wireless. Preferably, at least one of Bluetooth, Wi-Fi, and Ultra Wide Band system (UWB) conforming to the IEEE 802.11.x standard is included. It is possible to substitute (or add) another communication medium, and the present invention is not limited thereto.

Or, the short-range wireless communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel through the wireless device (or server) located in the near field with the VoIP composite terminal 100, the short-range wireless communication medium is It is preferable to include at least one or more RF (Radio Frequency) communication, Bluetooth, Wi-Fi, UWB to support a direct communication method, and the short-range wireless communication medium type is replaced (or added) according to the intention of those skilled in the art The present invention is not limited thereto.

Alternatively, the packet-switched short-range wired communication medium connects the short-range communication channel to the VoIP composite terminal 100 and a hub (or an IP router or a communication modem) located at a short distance through a wire, and the hub (or an IP router). And a communication medium connecting a hub (or an IP router, a communication modem) and a device (or server) located in a short distance to a short distance communication channel through a wire. The short range wireless communication medium may be a NetBIOS standard, It is preferable to include at least one or more of the IPX / SPX standard, TCP / IP (Transmission Control Protocol / Internet Protocol) standard, the short-range wired communication medium type is to replace (or add) another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Alternatively, the short-range wired communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel via a wire to the VoIP composite terminal 100 and a device (or server) located in the short-range, the short-range wired communication medium is It is preferable to include at least one USB (Universal Serial Bus) and RS-232c which supports a direct communication method, and the short-range wired communication medium may be replaced (or added) with another one according to the intention of a person skilled in the art. The present invention is not limited thereby.

Alternatively, the optical communication medium is a communication medium that directly connects the VoIP composite terminal 100 with a device (or server) located in a near field and a near field communication channel through optical communication in an infrared region, and is an IrDA (Infrared Data Association) standard. Infrared communication in accordance with the above, IrDA (Infrared Finance Messaging) of IrFM (Infrared Communication Messaging) is preferably made to include at least one or more, the optical communication medium type is to replace (or add) to another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Or, the wired communication medium, when the VoIP composite terminal 100 is connected to a wired communication network, a communication channel of the packet switched method through a wired communication between the VoIP composite terminal 100 and the server (or device) on the wired communication network As a communication medium for connecting a network, it is desirable to provide a data communication based on the TCP / IP standard and a VoIP-based voice call based on the data communication. It is possible to substitute (or add) to, by which the present invention is not limited.

Alternatively, the wireless communication medium wirelessly communicates the VoIP composite terminal 100 with a server (or device) on the wireless communication network when the VoIP composite terminal 100 connects to a wireless communication network including at least one wireless section. As a communication medium for connecting a packet-switched communication channel through a network, data communication conforming to at least one of the IEEE 802.16x standard and the High-Speed Downlink Packet Access (HSDPA) standard, and a VoIP-based voice call based on the data communication Preferably, the wired communication medium may be replaced (or added) with another communication medium according to the intention of a person skilled in the art, and the present invention is not limited thereto.

Accordingly, the communication medium information may include at least one short range wireless communication medium information, short range wireless communication medium information, short distance wired communication medium information, and short distance corresponding to at least one or more communication media to which the VoIP terminal 100 communicates as described above. It is preferable to include wired communication medium information, optical communication medium information, wired communication medium information, wireless communication medium information, at least one or more communication media of the communication medium in the VoIP composite terminal 100 according to the intention of those skilled in the art If not provided, it is preferable to omit the communication medium information not provided.

The payment processing information for each communication medium may include at least one communication medium switching information for the payment processing and at least one or more key data for the payment security processing when the payment processing is performed using the VoIP composite terminal 100. It is preferable to include at least one, and further comprising at least one or more payment-related automatic input information for the convenience of information input of the user of the VoIP terminal 100 during the payment processing.

In the payment settlement process using the VoIP composite terminal 100, when payment information for the payment settlement process is received through at least one communication medium, the communication medium switching information is a first communication medium that receives the payment information. And second communication medium information for transmitting the payment request information including the payment information and the card information read through the card reader unit 105.

Alternatively, when the payment information for the payment processing is input through the key input unit 110, the communication medium switching information may include the payment information input through the key input unit 110 and the card reader 105. And second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium to which the VoIP composite terminal 100 is connected before the payment processing is the second communication medium. It is possible to include a communication medium such as a medium or include another communication medium.

In addition, the key data is confidentiality, authentication, integrity, and denial of the payment request information between the VoIP composite terminal 100 and the server (or device) receiving the payment request information. It is preferable to include at least one encryption key (or decryption key) for securing Nonrepudiation.

The payment related automatic input information may be automatically input (or corrected after automatic input) among information input by the user through the key input unit 110 during a payment settlement process using the VoIP composite terminal 100. It is preferable that at least one information is included.

The banking processing information for each communication medium may include at least one or more key data for the financial transaction security information and the communication medium conversion information for the financial transaction processing when processing at least one or more financial transactions using the VoIP composite terminal 100. It is preferable to include one or more, it is preferable that the financial transaction further comprises at least one or more banking-related automatic input information for the convenience of information input of the user of the VoIP composite terminal (100).

In the financial transaction processing using the VoIP composite terminal 100, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include: a first receiving the financial transaction information; Preferably, the communication medium includes second communication medium information for transmitting the communication medium information and the financial transaction request information including the financial transaction information and the card information read through the card reader unit 105.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 110, the communication medium switching information may be the financial transaction information input through the key input unit 110 and the card reader unit 105. It is preferable that the second communication medium information for transmitting the financial transaction request information including the card information read through), the first communication medium connected to the VoIP composite terminal 100 before the financial transaction processing is It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is an encryption key for securing confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the VoIP composite terminal 100 and the server (or device) receiving the financial transaction request information. (Or decryption key) is preferably included.

In addition, the banking-related automatic input information may be automatically input (or modified after automatic input) among the information input by the user through the key input unit 110 during the financial transaction processing using the VoIP composite terminal 100. It is preferable that at least one information is included.

The Jiro processing information for each communication medium includes at least one giro payment processing using the VoIP composite terminal 100, at least one or more key data for the Jiro payment security processing and communication medium switching information for the Jiro payment processing. It is preferable to include at least one, and further comprising at least one automatically input information related to the Jiro for the convenience of information input of the user of the VoIP composite terminal 100 during the Jiro payment process.

In the zero payment process using the VoIP composite terminal 100, when the zero payment information for the payment is received through at least one or more communication media, the communication medium switching information is the first to receive the payment information. Preferably, the communication medium information includes second communication medium information for transmitting the branch payment request information including the communication medium information, the branch payment information, and the card information read through the card reader 105.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 110, the communication medium switching information is inputted through the key input unit 110 and the card reader unit 105. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the VoIP communication terminal 100 is connected to the first communication medium before the payment process is the It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is an encryption key for securing the confidentiality, authentication, integrity and non-repudiation of the branch payment request information between the VoIP composite terminal 100 and the server (or device) receiving the branch payment request information (Or decryption key) is preferably included.

In addition, the giro related automatic input information may be automatically input (or corrected after the automatic input) of the information input by the user through the key input unit 110 during the giro payment processing using the VoIP composite terminal 100. It is preferable that at least one information is included.

The ticket processing information for each communication medium includes at least one ticket reservation / reservation using the VoIP composite terminal 100, at least one communication medium switch information for ticket reservation / reservation and at least one ticket reservation / reservation security process. It is preferable to include at least one or more key data, and further comprising at least one ticket reservation / reservation-related automatic input information for the convenience of information input of the user of the VoIP composite terminal 100 when the ticket reservation / reservation. desirable.

When the ticket reservation / reservation using the VoIP composite terminal 100, when the ticket reservation / reservation information for the ticket reservation / reservation is received through at least one or more communication media, the communication medium switching information is the ticket reservation / reservation It includes first communication medium information for receiving information, and the second communication medium information for transmitting the ticket reservation / reservation request information including the ticket reservation / reservation information and the card information read through the card reader unit 105 It is preferable to make it.

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 110, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 110 and the Preferably, the VoIP composite terminal 100 includes the second communication medium information for transmitting ticket reservation / reservation request information including card information read through the card reader unit 105. The first communication medium previously connected may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data secures confidentiality, authentication, integrity, and nonrepudiation of the ticket reservation / reservation request information between the VoIP composite terminal 100 and the server (or device) receiving the ticket reservation / reservation request information. At least one encryption key (or decryption key) is preferably included.

In addition, the ticket reservation / reservation-related automatic input information is automatically entered (or after the automatic input of the information input by the user through the key input unit 110, when the ticket reservation / reservation using the VoIP composite terminal 100; It is preferable to include at least one information which may be modified).

The charging processing information for each communication medium may include communication medium switching information for charging the electronic money and at least one key data for the electronic money charging security process when charging the at least one electronic money using the VoIP composite terminal 100. It is preferable to include at least one, it is preferable to further comprise at least one or more electronic money charging-related automatic input information for the convenience of information input of the user of the VoIP terminal (100) when charging the electronic money.

When the electronic money is charged using the VoIP composite terminal 100, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information is used to receive the electronic money charging information. Preferably, the first communication medium includes second communication medium information for transmitting electronic money charging request information including first communication medium information, the electronic money charging information, and card information read through the card reader 105.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 110, the communication medium switching information may be input through the key input unit 110 and the electronic money charging information and the card reader unit. It is preferable that the second communication medium information for transmitting the electronic money charging request information including the card information read through the 105, the first VoIP connection terminal 100 is connected before the electronic money charging The communication medium may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data is for securing confidentiality, authentication, integrity and nonrepudiation of the electronic money charging request information between the VoIP composite terminal 100 and the server (or device) receiving the electronic money charging request information. It is preferable that at least one encryption key (or decryption key) is included.

In addition, the electronic money charging-related automatic input information is automatically input (or modified after automatic input) of the information input by the user through the key input unit 110, when charging the electronic money using the VoIP composite terminal 100. It is preferable to include at least one or more information which may be sufficient.

Customers using the VoIP composite terminal 100, MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard, or contact IC card (or wireless IC chip), or ISO based on the ISO / IEC 7816 standard Has a card (or possesses) at least one of a contactless IC card (or wireless IC chip) based on the / IEC 14443 standard, and the card reader 105 is provided with at least one information or It provides an interface for reading data.

According to the method of the present invention, the card reader unit 105 is an MS reader unit for providing an interface between the MS card and the VoIP composite terminal 100, or the contact IC card and the VoIP composite terminal 100. It comprises a contact IC reader unit for providing an interface, or a contactless IC reader unit for providing an interface between the contactless IC card and the VoIP terminal 100.

The MS reader unit is a card reader unit 105 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and is provided on the option board 123. The MS card in which predetermined information (for example, magnetized binary data) is recorded in association with the MS interface unit moves in a predetermined direction in close contact with the magnetic head (or the MS in which the predetermined information is recorded). Moving in close contact with the card), the VoIP terminal 100 receives predetermined information or data from at least one track provided in the MS of the MS card by using a predetermined electrical signal loaded on the magnetic head. It provides a hardware for interfacing with a.

The contact IC reader unit is a card reader unit 105 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. The power supply to the IC chip of the IC card through the contact point in connection with the contact IC interface unit provided on the option board 123, and using the APDU (Application Protocol Data Unit) It provides a hardware for interfacing predetermined information or data from the IC chip to the VoIP composite terminal 100 through a half duplex (or full duplex) transaction.

The contactless IC reader unit is a card reader unit 105 based on ISO / IEC 14443, and includes at least one or more electrical contacts in contact with the contactless IC card using capacitive coupling or inductive coupling. The half duplex method includes an antenna and supplies power to the IC chip of the IC card through the antenna in connection with a contactless IC reader unit provided on the option board 123. It provides a hardware for interfacing the predetermined information or data from the IC chip to the VoIP composite terminal 100 through the transaction of.

The key input unit 110 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Detects information (or signal) inputted from the key input device in a specific input mode or operation mode of the VoIP composite terminal 100 controlled by the terminal controller 103 (or the option board controller 120). When predetermined information (or a signal) is input from a predetermined key button provided in the terminal, a key event corresponding to the input information (or signal) is generated, and the generated key event is transmitted to the terminal controller 103 (or Option board control unit 120, characterized in that the terminal control unit 103 (or option board control unit 120) to the key event in the current input mode or operation mode of the VoIP composite terminal 100Obtaining a response to a predetermined key data, or characterized in that for obtaining a command to execute a predetermined function defined is matched with the key event. The key input unit 110 and the key input device having at least one key button interoperate with each other to perform a function of key input means provided in the VoIP composite terminal 100.

The key input device interworking with the key input unit 110 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a character key (for example, an English character key or a Korean character key) and a function. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to the exemplary embodiment of the present invention, the key input unit 110 may provide key data (eg, payment) corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the VoIP composite terminal 100. It is preferable to perform the function of the key input means for receiving an amount of money, etc., and the option from the key input device for the selective payment (or financial transaction) processing according to the option board 123 reading and communication medium identification It is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of providing selective payment (or financial transaction) processing according to the reading of the board 123 and the communication medium identification.

According to the exemplary embodiment of the present invention, the key input device corresponding to the key input unit 110 reads the option board 123 in the operation mode of the VoIP composite terminal 100 in the initial mode, the voice call mode, or the data communication mode. And at least one payment mode for each communication medium for selective payment (or financial transaction) processing according to a communication medium identification, a banking mode for each communication medium, a giro mode for each communication medium, a ticket mode for each communication medium, a charging mode for each communication medium, It is preferable that a key button for switching to the video receiving mode is provided.

The screen output unit 107 is the LCD by the terminal control unit 103 (or option board control unit 120) in the process of the VoIP composite terminal 100 performs a predetermined function (for example, the electronic payment processing function). Outputting at least one or more information or data that is predefined or defined in real time to be output to a predetermined display device including a liquid crystal display or a cathode ray tube (CRT) through a predefined interface screen. The screen output unit 107 and the screen output device interoperate with each other to perform a function of the screen output unit provided in the VoIP composite terminal 100.

The predefined information or data to be output from the VoIP composite terminal 100 to the screen output device includes key data input through the key input unit 110 or components provided in the VoIP composite terminal 100. Information (or data) stored or generated by the at least one wireless communication unit 180, wired communication unit 183, information (or data) transmitted and received through the optical communication unit 185, or the VoIP composite terminal 100 It includes at least one or more information (or data) corresponding to a predetermined operation result performed by the.

According to a preferred embodiment of the present invention, the screen output unit 107 outputs an electronic payment processing screen according to each electronic payment step to the screen output device for an electronic payment service defined in the VoIP composite terminal 100. It is preferable to perform a function of a screen output means, and read and communicate the option board 123 to the screen output device for the selective payment (or financial transaction) processing according to the reading of the option board 123 and communication medium identification. It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the selective payment (or financial transaction) processing providing step according to the medium identification.

The sound processor 113 is a function component that processes input and output of sound in the voice call mode of the VoIP composite terminal 100. The sound processor 113 decodes at least one encoded sound data (or voice data) to decode the VoIP. A vocoder and a codec that are output to a speaker provided in the composite terminal 100 or encoded by encoding a sound signal input through a microphone provided in the VoIP composite terminal 100 are encoded. It is characterized by comprising.

Referring to FIG. 1, the option board 123 to be connected on the VoIP composite terminal 100 for selective payment (or financial transaction) processing according to reading the option board 123 and identifying a communication medium is basically the VoIP composite An interface unit 177 for connecting a communication channel between the terminal 100 and the option board 123, and a wireless communication unit 180 and a wired communication unit 183 for connecting the VoIP composite terminal 100 to a plurality of communication media. ), An optical communication unit 185, a card interface unit 190, and a security application module 187 (SAM) at least one, characterized in that at least one or more terminal functional unit ( Not shown).

When the interface unit 177 requires at least one function configuration provided on the option board 123 in the operation process of the VoIP composite terminal 100 according to the function configuration on the VoIP composite terminal 100, the VoIP As a communication channel between the composite terminal 100 and the option board 123, the physical connection between the VoIP composite terminal 100 and the option board 123 is preferred.

The wireless communication unit 180 may include at least one short range wireless communication unit 180 and at least one wide area wireless communication unit 180.

The short range wireless communication unit 180 is a communication unit that connects communication with the short range wireless communication medium in the VoIP composite terminal 100, and is a wireless AP (or wireless access point) located at a short distance with the VoIP composite terminal 100. IP router) to connect the short-range communication channel through the wireless, or directly connect the short-range communication channel through the wireless device (or server) located in the near field with the VoIP composite terminal 100.

According to an embodiment of the present invention, the short range wireless communication unit 180 connects a short distance communication channel through a wireless AP (or wireless IP sharer) located at a short distance with the VoIP composite terminal 100. In this case, the short-range wireless communication unit 180 preferably includes at least one Bluetooth (BlueTooth) communication, Wi-Fi (Wi-Fi) communication, UWB (Ultra Wide Band system) communication function according to the IEEE 802.11.x standard. .

According to another exemplary embodiment of the present invention, when the short range wireless communication unit 180 directly connects a short distance communication channel with the VoIP composite terminal 100 and a device (or server) located in a short distance through wireless, the short range wireless communication The communication unit 180 preferably includes at least one of RF (Radio Frequency) communication, Bluetooth communication, Wi-Fi communication, and UWB communication supporting a direct communication method.

The wide area wireless communication unit 180 is a communication unit that connects communication with the wireless communication medium in the VoIP composite terminal 100, and when the VoIP composite terminal 100 connects to a wireless communication network including at least one wireless section. In addition, the VoIP composite terminal 100 and a server (or device) on the wireless communication network is characterized in that for connecting the packet-switched communication channel via wireless communication.

According to an embodiment of the present invention, the wide area wireless communication unit 180 preferably provides data communication conforming to at least one of the IEEE 802.16x standard and the HSDPA standard, and a VoIP based voice call based on the data communication.

The wired communication unit 183 is characterized in that it comprises at least one short-range wired communication unit 183 and a wide area wired communication unit 183.

The short-range wired communication unit 183 is a communication unit that connects communication with the short-range wired communication medium in the VoIP composite terminal 100, a hub (or IP router, communication modem) located at a short distance with the VoIP composite terminal 100 To connect a short-range communication channel through a wire, or directly connected to the short-range communication channel through a wired device (or server) located in the near field and the VoIP composite terminal 100.

According to an embodiment of the present invention, when the short-range wired communication unit 183 connects the short-range communication channel with the VoIP composite terminal 100 and a hub (or IP sharer, communication modem) located in a short distance through a wire, The short-range wired communication unit 183 preferably includes at least one of a NetBIOS standard, an IPX / SPX standard, and a TCP / IP standard.

According to another exemplary embodiment of the present invention, when the short-range wired communication unit 183 directly connects a short distance communication channel with the VoIP composite terminal 100 and a device (or server) located in the short-range through a wire, the short-range wired The communication unit 183 preferably includes at least one USB (Universal Serial Bus) and RS-232c supporting a direct communication method.

The wide area wired communication unit 183 is a communication unit for connecting communication with the wired communication medium in the VoIP composite terminal 100, and when the VoIP composite terminal 100 is connected to a wired communication network (or intelligent network), the VoIP composite A terminal (100) and a server (or device) on the wired communication network may be connected to a communication channel of a packet switched method through wired communication.

According to an embodiment of the present invention, it is preferable that the wide area wire communication unit 183 provides a data communication conforming to the TCP / IP standard and a VoIP based voice call based on the data communication.

The optical communication unit 185 is a communication unit that connects the communication with the optical communication medium in the VoIP composite terminal 100, and the optical communication in the infrared region with a device (or server) located in the near field with the VoIP composite terminal 100 It is characterized in that the short-range communication channel through the direct connection.

According to an embodiment of the present invention, the optical communication unit 185 preferably comprises at least one infrared communication complying with the Infrared Data Association (IrDA) standard, and an infrared communication conforming to the Infrared Finance Messaging (IrFM) standard of IrDA. .

Customers using the VoIP composite terminal 100, MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard, or contact IC card (or wireless IC chip), or ISO based on the ISO / IEC 7816 standard / Possesses (or owns) a card including at least one contactless IC card (or wireless IC chip) based on the IEC 14443 standard, the card interface unit 190 is provided on the VoIP composite terminal 100 It is characterized in that it provides an interface for reading at least one or more information or data provided in the card in conjunction with the card reader unit 105.

According to an embodiment of the present invention, the card interface unit 190 is an MS interface unit for providing an interface between the MS card and the VoIP composite terminal 100, or the contact IC card and the VoIP composite terminal 100. It includes a contact IC interface for providing an interface, or a contactless IC interface for providing an interface between the contactless IC card and the VoIP composite terminal 100.

The MS interface unit is a card interface unit 190 based on ISO / IEC 7810. The MS interface unit may be connected to an MS reader unit including at least one magnetic head including a predetermined coil. When the MS card on which magnetized binary data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), By using a predetermined electrical signal is loaded, the predetermined information or data from at least one or more tracks provided in the MS of the MS card is characterized in interfacing to the VoIP composite terminal 100.

The contact IC interface unit is a card interface unit 190 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. The half duplex (or full duplex) method of supplying power to the IC chip of the IC card through the contact point and using an APDU (Application Protocol Data Unit) in connection with the contact IC reader unit It is characterized in that the predetermined information or data from the IC chip to the VoIP composite terminal 100 through the transaction of the).

The non-contact IC interface unit is a card interface unit 190 based on ISO / IEC 14443, and includes at least one or more electrical contacts in contact with the non-contact IC card by using capacitive coupling or inductive coupling. In connection with a contactless IC reader unit including an antenna, power is supplied to the IC chip of the IC card through the antenna, and predetermined information from the IC chip is transmitted through the half duplex transaction using an APDU. It is characterized by interfacing the data to the VoIP composite terminal (100).

According to an exemplary embodiment of the present invention, the card interface unit 190 is connected to at least one or more of the card reader unit 105 for the electronic payment service defined in the VoIP composite terminal 100 (for example, predetermined card information (eg, , Payment means information corresponding to a payment means including at least one of a credit card, a check card, a debit card, a cash card, and a financial account included in the card), and reading the option board 123 and It is preferable to read predetermined card information from at least one or more cards for the selective payment (or financial transaction) processing according to the communication medium identification.

According to an embodiment of the present invention, the card information includes a card number and an expiration date information and a card corresponding to a customer payment means for selective payment (or giro payment, ticket processing, or charging processing) according to the communication medium identification. It is preferable to include at least one issuer information, the card number preferably comprises at least one or more credit card number, check card number, prepaid card number.

Alternatively, the card information includes at least one account number (or card number) and financial company information corresponding to a customer financial means for selective financial transactions (or giro payment, ticket processing, or charging processing) according to the communication medium identification. Preferably, the account number comprises at least one of a real account number and a virtual account number. The card number includes at least one of a cash card number, a debit card number, and a check card number. It is preferable to make it.

The secure application module (187) is a confidentiality or authentication required in the process of performing the selective payment (or financial transaction) by the VoIP terminal 100 according to the communication medium identification. Security requirements, including authentication or integrity or nonrepudiation, into a secure and reliable structure within the VoIP composite terminal 100 without using an authentication server (not shown) on the payment network. As a safety device for performing, the VoIP composite terminal 100 encrypts or decrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, electronic payment or electronic payment function). Key information important in the process of adding an authenticator that prevents forgery (or tampering) of the message or performing the security request function. Characterized in that the function to store.

In general, the security application module 187 is preferably composed of a predetermined security application module 187 inserter and the security application module 187 chip, the security application module 187 chip has at least 8 bits CPU and memory built-in An Application Specific Integrated Circuit (ASIC) chip (e.g., a PLCC 44-pin chip) or an IC chip (e.g., an IC card in the form of a subscriber identity module (SIM)) with at least 2 MIPS (Million Instructions Per Second) performance It is preferable to comprise a.

In addition, the security application module 187 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the VoIP composite terminal 100 to perform a predetermined security request function) Etc.) or key (e.g., one master key and at least one application key) or protocol (e.g., trading protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol , Privilege acquisition protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / cancel) Command) is preferably provided.

According to an embodiment of the present invention, the memory of the security application module 187 is short-range wireless communication corresponding to at least one or more communication media that the VoIP composite terminal 100 can communicate with, in place of the memory unit 115. A plurality of communication medium information including at least one of media information, short range wireless communication medium information, short distance wired communication medium information, short distance wired communication medium information, optical communication medium information, wired communication medium information, and wireless communication medium information; It is possible to store at least one payment processing information for each communication, banking processing information for each communication medium, Jiro processing information for each communication medium, ticket processing information for each communication medium, charging processing information for each communication medium.

The communication medium information may include at least one short range wireless communication medium information, a short range wireless communication medium information, a short distance wired communication medium information, and a short distance corresponding to at least one or more communication media to which the VoIP composite terminal 100 communicates as described above. It is preferable to include wired communication medium information, optical communication medium information, wired communication medium information, wireless communication medium information, at least one or more communication media of the communication medium in the VoIP composite terminal 100 according to the intention of those skilled in the art If not provided, it is preferable to omit the communication medium information not provided.

The payment processing information for each communication medium may include at least one communication medium switching information for the payment processing and at least one or more key data for the payment security processing when the payment processing is performed using the VoIP composite terminal 100. It is preferable to include one or more.

In the payment settlement process using the VoIP composite terminal 100, when payment information for the payment settlement process is received through at least one communication medium, the communication medium switching information is a first communication medium that receives the payment information. And second communication medium information for transmitting the payment request information including the payment information and the card information read through the card reader unit 105.

Alternatively, when the payment information for the payment processing is input through the key input unit 110, the communication medium switching information may include the payment information input through the key input unit 110 and the card reader 105. And second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium to which the VoIP composite terminal 100 is connected before the payment processing is the second communication medium. It is possible to include a communication medium such as a medium or include another communication medium.

In addition, the key data is confidentiality, authentication, integrity, and denial of the payment request information between the VoIP composite terminal 100 and the server (or device) receiving the payment request information. It is preferable to include at least one encryption key (or decryption key) to secure nonrepudiation.

The banking processing information for each communication medium may include at least one or more key data for the financial transaction security information and the communication medium conversion information for the financial transaction processing when processing at least one or more financial transactions using the VoIP composite terminal 100. It is preferable to include one or more.

In the financial transaction processing using the VoIP composite terminal 100, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include: a first receiving the financial transaction information; Preferably, the communication medium includes second communication medium information for transmitting the communication medium information and the financial transaction request information including the financial transaction information and the card information read through the card reader unit 105.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 110, the communication medium switching information may be the financial transaction information input through the key input unit 110 and the card reader unit 105. It is preferable that the second communication medium information for transmitting the financial transaction request information including the card information read through), the first communication medium connected to the VoIP composite terminal 100 before the financial transaction processing is It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is an encryption key for securing confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the VoIP composite terminal 100 and the server (or device) receiving the financial transaction request information. (Or decryption key) is preferably included.

The Jiro processing information for each communication medium includes at least one giro payment processing using the VoIP composite terminal 100, at least one or more key data for the Jiro payment security processing and communication medium switching information for the Jiro payment processing. It is preferable to include one or more.

In the zero payment process using the VoIP composite terminal 100, when the zero payment information for the payment is received through at least one or more communication media, the communication medium switching information is the first to receive the payment information. Preferably, the communication medium information includes second communication medium information for transmitting the branch payment request information including the communication medium information, the branch payment information, and the card information read through the card reader 105.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 110, the communication medium switching information is inputted through the key input unit 110 and the card reader unit 105. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the VoIP communication terminal 100 is connected to the first communication medium before the payment process is the It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is an encryption key for securing confidentiality, authentication, integrity and non-repudiation of the branch payment request information between the VoIP composite terminal 100 and the server (or device) receiving the branch payment request information. (Or decryption key) is preferably included.

The ticket processing information for each communication medium includes at least one ticket reservation / reservation using the VoIP composite terminal 100, at least one communication medium switch information for ticket reservation / reservation and at least one ticket reservation / reservation security process. It is preferable to include at least one or more key data.

When the ticket reservation / reservation using the VoIP composite terminal 100, when the ticket reservation / reservation information for the ticket reservation / reservation is received through at least one or more communication media, the communication medium switching information is the ticket reservation / reservation Second communication medium information for transmitting ticket reservation / reservation request information including first communication medium information for receiving information, the ticket reservation / reservation information, and card information read through the card reader unit 105; It is preferable to comprise.

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 110, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 110 and the Preferably, the VoIP composite terminal 100 includes the second communication medium information for transmitting ticket reservation / reservation request information including card information read through the card reader unit 105. The first communication medium previously connected may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data secures confidentiality, authentication, integrity, and nonrepudiation of the ticket reservation / reservation request information between the VoIP composite terminal 100 and the server (or device) receiving the ticket reservation / reservation request information. At least one encryption key (or decryption key) is preferably included.

The charging processing information for each communication medium may include communication medium switching information for charging the electronic money and at least one key data for the electronic money charging security process when charging the at least one electronic money using the VoIP composite terminal 100. It is preferable to comprise at least one or more.

When the electronic money is charged using the VoIP composite terminal 100, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information is used to receive the electronic money charging information. Preferably, the first communication medium includes second communication medium information for transmitting electronic money charging request information including first communication medium information, the electronic money charging information, and card information read through the card reader 105.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 110, the communication medium switching information may be input through the key input unit 110 and the electronic money charging information and the card reader unit. It is preferable that the second communication medium information for transmitting the electronic money charging request information including the card information read through the 105, the first communication connected to the VoIP composite terminal 100 before charging the electronic money The medium may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data is for securing confidentiality, authentication, integrity and nonrepudiation of the electronic money charging request information between the VoIP composite terminal 100 and the server (or device) receiving the electronic money charging request information. It is preferable that at least one encryption key (or decryption key) is included.

Referring to FIG. 1, the VoIP composite terminal 100 is connected to a communication unit that processes at least one wide area communication of the wireless communication unit 180 and the wired communication unit 183 in a voice call mode (eg, a VoIP system on a communication network (eg, VoIP gateway, VoIP gatekeeper) and a communication channel connection unit 125 for connecting a communication channel, and performs a call processing procedure for a VoIP-based voice call through the communication channel, when connecting with at least one call terminal, And a voice call processing unit 150 for providing a voice call service and a call terminal connected to the call through a communication channel.

The VoIP composite terminal 100 shown in FIG. 1 basically provides a VoIP voice call function, and for this purpose, the communication channel connection unit 125 includes at least one of at least one of the wireless communication unit 180 and the wired communication unit 183. And a communication channel for VoIP voice call with a VoIP gateway or a VoIP gatekeeper on a communication network in connection with a communication unit that processes the communication.

The communication channel for the VoIP voice call may include a protocol for connecting a call by performing a call processing procedure with at least one call terminal, and the VoIP composite terminal 100 and at least one server (or device) may have a message ( For example, it characterized in that it comprises a protocol for transmitting and receiving a short message).

The voice call processing unit 150 performs a call processing procedure with at least one or more other call terminals in connection with a VoIP gateway or a VoIP gatekeeper on a communication network through the communication channel, and when connecting with at least one call terminal, It provides a call terminal and the VoIP-based voice call service to which the call is connected through a communication channel.

Those skilled in the art will be familiar with the technical features of the communication channel connection unit 125 and the voice call processing unit 150 for the VoIP-based voice call, so that more detailed Description will be omitted for convenience.

Referring to FIG. 1, the VoIP composite terminal 100 communicates with a web server on a communication network in communication with a communication unit that processes at least one of the wireless communication unit 180 and the wired communication unit 183 in a data communication mode. And a data communication processor 153 for providing a browsing service provided by the web server through the communication channel.

The VoIP composite terminal 100 shown in FIG. 1 provides a browsing function in addition to the VoIP voice call function. For this purpose, the communication channel connection unit 125 includes at least one of the wireless communication unit 180 and the wired communication unit 183. Browsing and browsing with a web server (e.g., a web server corresponding to HTTP (Hyper-Text Transfer Protocol) compliant protocol, or a web server corresponding to WAP (Wireless Application Protocol) protocol) on a communication network in connection with the communication unit for processing the above-mentioned wide area communication It is characterized by connecting a communication channel for.

The data communication processor 153 connects a communication channel for browsing service with a web server on a communication network through a communication channel corresponding to an HTTP compatible protocol or a WAP protocol, and is compatible with Hyper-Text Markup Language (HTML) from the web server. A document, or a web document in the form of a wireless markup language (WML) compatible document, is received and output through the screen output unit 107.

Those skilled in the art will be familiar with the technical features of the communication channel connection unit 125 and the data communication processing unit 153 for the browsing service. It will be omitted for convenience.

Referring to FIG. 1, the VoIP composite terminal 100 is connected to at least one communication unit of the wireless communication unit 180, the wired communication unit 183, and the optical communication unit 185 in a short distance to the VoIP composite terminal 100. Communication medium searching unit 157 for connecting at least one or more devices (or servers) or servers (or devices) on a communication network to search for at least one or more communication media connectable to the VoIP composite terminal 100. ), When the communication medium searching unit 157 searches for at least one communication medium, the searched communication medium information, the payment processing information for each communication medium, the banking processing information for each communication medium, the jiro processing information for each communication medium, And a communication medium information storage unit 147 storing the ticket processing information for each communication medium and the charging processing information for each communication medium in the memory unit 115.

In order to process the optional payment (or financial transaction) according to reading the option board 123 and identifying the communication medium, the communication medium searching unit 157 is the wireless communication unit in the idle state of the voice call mode or data communication mode. (180), at least one device (or server) located at a short distance from the wired communication unit 183 and the optical communication unit 185 periodically located according to the channel discovery protocol corresponding to each communication unit, Alternatively, at least one communication medium connectable to the VoIP composite terminal 100 may be searched by connecting a communication channel with a server (or a device) on a communication network.

The communication medium searched by the communication medium searching unit 157 may include a short range wireless communication medium, a short distance wired communication medium, and an optical fiber that process information (or data) exchange between the VoIP composite terminal 100 and an external device (or server). Preferably, the communication device comprises at least one communication medium and at least one wide area communication medium. The short range wireless communication medium may include at least one short range wireless communication medium of a packet switched method and at least one short range wireless communication medium of a direct communication method. The wired communication medium may include at least one local area wired communication medium in a packet-switched communication system and a near field wired communication medium in a direct communication system, and the wide area communication medium may include at least one wired communication medium and at least one wireless communication medium. .

Here, the packet-switched short-range wireless communication medium is connected to the VoIP composite terminal 100 and a wireless access point (or wireless IP sharer) located in a short distance through a wireless connection to the short-range communication channel, the wireless AP (Or a wireless IP router) is a communication medium for wirelessly connecting a short-range communication channel to the wireless AP (or wireless IP router) and at least one device (or server) located at a short distance by wireless. Preferably, at least one of Bluetooth, Wi-Fi, and Ultra Wide Band system (UWB) conforming to the IEEE 802.11.x standard is included. It is possible to substitute (or add) another communication medium, and the present invention is not limited thereto.

Or, the short-range wireless communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel through the wireless device (or server) located in the near field with the VoIP composite terminal 100, the short-range wireless communication medium is It is preferable to include at least one or more RF (Radio Frequency) communication, Bluetooth, Wi-Fi, UWB to support a direct communication method, and the short-range wireless communication medium type is replaced (or added) according to the intention of those skilled in the art The present invention is not limited thereto.

Alternatively, the packet-switched short-range wired communication medium connects the short-range communication channel to the VoIP composite terminal 100 and a hub (or an IP router or a communication modem) located at a short distance through a wire, and the hub (or an IP router). And a communication medium connecting a hub (or an IP router, a communication modem) and a device (or server) located in a short distance to a short distance communication channel through a wire. The short range wireless communication medium may be a NetBIOS standard, It is preferable to include at least one or more of the IPX / SPX standard, TCP / IP (Transmission Control Protocol / Internet Protocol) standard, the short-range wired communication medium type is to replace (or add) another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Alternatively, the short-range wired communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel via a wire to the VoIP composite terminal 100 and a device (or server) located in the short-range, the short-range wired communication medium is It is preferable to include at least one USB (Universal Serial Bus) and RS-232c which supports a direct communication method, and the short-range wired communication medium may be replaced (or added) with another one according to the intention of a person skilled in the art. However, the present invention is not limited thereto.

Alternatively, the optical communication medium is a communication medium that directly connects the VoIP composite terminal 100 with a device (or server) located in a near field and a near field communication channel through optical communication in an infrared region, and is an IrDA (Infrared Data Association) standard. Infrared communication in accordance with the above, IrDA (Infrared Finance Messaging) of IrFM (Infrared Communication Messaging) is preferably made to include at least one or more, the optical communication medium type is to replace (or add) to another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Or, the wired communication medium, when the VoIP composite terminal 100 is connected to a wired communication network, a communication channel of the packet switched method through a wired communication between the VoIP composite terminal 100 and the server (or device) on the wired communication network As a communication medium for connecting a network, it is desirable to provide a data communication based on the TCP / IP standard and a VoIP-based voice call based on the data communication. It is possible to substitute (or add) to, by which the present invention is not limited.

Alternatively, the wireless communication medium wirelessly communicates the VoIP composite terminal 100 with a server (or device) on the wireless communication network when the VoIP composite terminal 100 connects to a wireless communication network including at least one wireless section. As a communication medium for connecting a packet-switched communication channel through a network, data communication conforming to at least one of the IEEE 802.16x standard and the High-Speed Downlink Packet Access (HSDPA) standard, and a VoIP-based voice call based on the data communication Preferably, the wired communication medium may be replaced (or added) with another communication medium according to the intention of a person skilled in the art, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains, among the wireless communication unit 180, wired communication unit 183, optical communication unit 185, to understand the technical features of the channel search protocol corresponding to each communication unit Since there will be, a more detailed description thereof will be omitted for convenience.

When at least one communication medium is searched by the communication medium searching unit 157, the communication medium information storage unit 147 associates the searched communication medium information with payment processing information for each communication medium and the memory unit 115. ) (Or a security application module 187).

The payment processing information for each communication medium may include at least one communication medium switching information for the payment processing and at least one or more key data for the payment security processing when the payment processing is performed using the VoIP composite terminal 100. It is preferable to include one or more.

In the payment settlement process using the VoIP composite terminal 100, when payment information for the payment settlement process is received through at least one communication medium, the communication medium switching information is a first communication medium that receives the payment information. And second communication medium information for transmitting the payment request information including the payment information and the card information read through the card reader unit 105.

Alternatively, when the payment information for the payment processing is input through the key input unit 110, the communication medium switching information may include the payment information input through the key input unit 110 and the card reader 105. And second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium to which the VoIP composite terminal 100 is connected before the payment processing is the second communication medium. It is possible to include a communication medium such as a medium or include another communication medium.

In addition, the key data is confidentiality, authentication, integrity, and denial of the payment request information between the VoIP composite terminal 100 and the server (or device) receiving the payment request information. It is preferable to include at least one encryption key (or decryption key) to secure nonrepudiation.

In accordance with an embodiment of the present invention, the payment processing information for each communication medium is inactivated with a plurality of communication medium information connectable to the memory unit 115 (or security application module 187) through the VoIP composite terminal 100. In the case of cooperative processing and storage, the communication medium information storage unit 147 may activate the payment processing information for each communication medium stored in association with the searched communication medium information.

When at least one communication medium is searched by the communication medium searching unit 157, the communication medium information storage unit 147 associates the searched communication medium information with banking processing information for each communication medium and the memory unit 115. ) (Or a security application module 187).

The banking processing information for each communication medium may include at least one or more key data for the financial transaction security information and the communication medium conversion information for the financial transaction processing when processing at least one or more financial transactions using the VoIP composite terminal 100. It is preferable to include one or more.

In the financial transaction processing using the VoIP composite terminal 100, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include: a first receiving the financial transaction information; Preferably, the communication medium includes second communication medium information for transmitting the communication medium information and the financial transaction request information including the financial transaction information and the card information read through the card reader unit 105.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 110, the communication medium switching information may be the financial transaction information input through the key input unit 110 and the card reader unit 105. It is preferable that the second communication medium information for transmitting the financial transaction request information including the card information read through), the first communication medium connected to the VoIP composite terminal 100 before the financial transaction processing is It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is an encryption key for securing confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the VoIP composite terminal 100 and the server (or device) receiving the financial transaction request information. (Or decryption key) is preferably included.

According to an embodiment of the present invention, the banking processing information for each communication medium is deactivated with a plurality of communication medium information connectable to the memory unit 115 (or the security application module 187) through the VoIP composite terminal 100. In the case of cooperative processing and storing, the communication medium information storage unit 147 activates banking processing information for each communication medium stored in association with the searched communication medium information.

When at least one communication medium is searched by the communication medium searching unit 157, the communication medium information storage unit 147 associates the searched communication medium information with processing information for each communication medium to the memory unit 115. ) (Or a security application module 187).

The Jiro processing information for each communication medium includes at least one giro payment processing using the VoIP composite terminal 100, at least one or more key data for the Jiro payment security processing and communication medium switching information for the Jiro payment processing. It is preferable to include one or more.

In the zero payment process using the VoIP composite terminal 100, when the zero payment information for the payment is received through at least one or more communication media, the communication medium switching information is the first to receive the payment information. Preferably, the communication medium information includes second communication medium information for transmitting the branch payment request information including the communication medium information, the branch payment information, and the card information read through the card reader 105.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 110, the communication medium switching information is inputted through the key input unit 110 and the card reader unit 105. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the VoIP communication terminal 100 is connected to the first communication medium before the payment process is the It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is an encryption key for securing confidentiality, authentication, integrity and non-repudiation of the branch payment request information between the VoIP composite terminal 100 and the server (or device) receiving the branch payment request information. (Or decryption key) is preferably included.

According to an embodiment of the present invention, the processing information for each communication medium in the memory unit 115 (or the security application module 187) is in a deactivated state with a plurality of communication medium information connectable through the VoIP composite terminal 100. In the case of cooperative processing and storage, the communication medium information storage unit 147 activates the processing information for each communication medium stored in association with the searched communication medium information.

When at least one communication medium is searched by the communication medium searching unit 157, the communication medium information storage unit 147 associates the searched communication medium information with ticket processing information for each communication medium to the memory unit 115. ) (Or a security application module 187).

The ticket processing information for each communication medium includes at least one ticket reservation / reservation using the VoIP composite terminal 100, at least one communication medium switch information for ticket reservation / reservation and at least one ticket reservation / reservation security process. It is preferable to include at least one or more key data.

When the ticket reservation / reservation using the VoIP composite terminal 100, when the ticket reservation / reservation information for the ticket reservation / reservation is received through at least one or more communication media, the communication medium switching information is the ticket reservation / reservation It includes first communication medium information for receiving information, and the second communication medium information for transmitting the ticket reservation / reservation request information including the ticket reservation / reservation information and the card information read through the card reader unit 105 It is preferable to make it.

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 110, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 110 and the Preferably, the VoIP composite terminal 100 includes the second communication medium information for transmitting the ticket reservation / reservation request information including the card information read through the card reader unit 105. The first communication medium connected before the reservation may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data secures confidentiality, authentication, integrity, and nonrepudiation of the ticket reservation / reservation request information between the VoIP composite terminal 100 and the server (or device) receiving the ticket reservation / reservation request information. At least one encryption key (or decryption key) is preferably included.

According to an embodiment of the present invention, the ticket processing information for each communication medium is deactivated and a plurality of communication medium information that can be connected to the memory unit 115 (or the security application module 187) through the VoIP composite terminal 100. In the case of cooperative processing and storage, the communication medium information storage unit 147 may activate the ticket processing information for each communication medium stored in association with the searched communication medium information.

When at least one communication medium is searched by the communication medium searching unit 157, the communication medium information storage unit 147 associates the searched communication medium information with charging processing information for each communication medium to provide the memory unit 115. ) (Or a security application module 187).

The charging processing information for each communication medium may include communication medium switching information for charging the electronic money and at least one key data for the electronic money charging security process when charging the at least one electronic money using the VoIP composite terminal 100. It is preferable to comprise at least one or more.

When the electronic money is charged using the VoIP composite terminal 100, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information is used to receive the electronic money charging information. Preferably, the first communication medium includes second communication medium information for transmitting electronic money charging request information including first communication medium information, the electronic money charging information, and card information read through the card reader 105.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 110, the communication medium switching information may be input through the key input unit 110 and the electronic money charging information and the card reader unit. It is preferable that the second communication medium information for transmitting the electronic money charging request information including the card information read through the 105, the first communication connected to the VoIP composite terminal 100 before charging the electronic money The medium may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data is for securing confidentiality, authentication, integrity and nonrepudiation of the electronic money charging request information between the VoIP composite terminal 100 and the server (or device) receiving the electronic money charging request information. It is preferable that at least one encryption key (or decryption key) is included.

According to an exemplary embodiment of the present invention, the charging processing information for each communication medium is in a state in which the memory unit 115 (or the security application module 187) is in communication with a plurality of communication medium information that can be connected through the VoIP terminal 100. In the case of cooperative processing and storage, the communication medium information storage unit 147 may activate the charging processing information for each communication medium stored in association with the searched communication medium information.

Referring to FIG. 1, the VoIP composite terminal 100 reads the option board 123 when the found communication information is stored in the memory unit 115 by the communication medium information storage unit 147. And the VoIP composite terminal 100 in connection with at least one of the wireless communication unit 180, the wired communication unit 183, and the optical communication unit 185 for the selective payment (or financial transaction) processing according to the communication medium identification. A communication channel connection unit 125 for connecting a communication channel with a device (or server) located at a short distance to the VoIP composite terminal 100 or a server (or device) on a communication network according to an operation mode of the VoIP composite terminal 100, and the communication channel connection unit And a communication medium checking unit 155 for checking a communication medium corresponding to the communication channel connected through the 125.

When the operation mode of the VoIP composite terminal 100 is a voice call mode according to an embodiment of the present invention, the communication channel connection unit 125 is a wide area communication of at least one of the wireless communication unit 180 and the wired communication unit 183. And a communication channel for VoIP voice call with a VoIP gateway, or a VoIP gatekeeper on a communication network in connection with a communication unit for processing the communication unit. In this case, the communication medium identification unit 155 is the VoIP composite terminal 100. The connected communication medium may be identified as a wireless communication medium or a wired communication medium for the VoIP-based voice call.

Alternatively, when the operation mode of the VoIP composite terminal 100 is a data communication mode, the communication channel connection unit 125 provides a web server and a browsing service on a communication network through a communication channel corresponding to an HTTP compatible protocol or a WAP protocol. Connect a communication channel, and receive a web document in the form of a Hyper-Text Markup Language (HTML) compatible document or a WML (Wireless Markup Language) compatible document from the web server and output the web document through the screen output unit 107. In this case, the communication medium checking unit 155 may identify a communication medium to which the VoIP composite terminal 100 is connected as a wireless communication medium or a wired communication medium for the data communication.

When the operation mode of the VoIP composite terminal 100 is the voice call mode or the data communication mode, the communication channel connection unit 125 is a communication channel of a device (or server) located near the VoIP composite terminal 100. The device (or server) connected to the device (or server) and the local area communication channel by a connection request, or the device (or server) located in the local area with the VoIP compound terminal 100 by menu selection provided in the VoIP compound terminal 100. The short-range communication channel is characterized in that the connection.

In this case, the communication medium checking unit 155 may be a packet-switched short-range wireless communication medium or a short-range wireless communication method according to a communication medium connecting the short-range communication channel to a communication medium to which the VoIP composite terminal 100 is connected. A communication medium, a short-range wired communication medium of a packet-switched method, a short-range wired communication medium of a direct communication method, or an optical communication medium may be identified.

Referring to FIG. 1, for the selective payment according to the identification of a communication medium according to an exemplary embodiment of the present invention, the VoIP composite terminal 100 may include a plurality of menus output through the screen output unit 107. When the payment menu is selected through the key input unit 110, the first communication medium (or the VoIP composite terminal 100) identified by the communication medium checking unit 155 in association with the memory unit 115 is presently present. An information verification unit 133 for identifying at least one second communication medium information included in payment processing information including first media information corresponding to the first communication medium connected thereto; and the payment settlement of the second communication mediums. Outputs a mode selection interface for selecting a second communication medium to process the data; and selects an operation mode of the VoIP composite terminal 100 when the second communication medium to be paid is selected through the key input unit 110. Communication media information and awards A mode switching unit 135 for switching to a payment mode for each communication medium corresponding to the selected second communication medium information, and a communication for processing the payment through the selected second communication medium when switching to the payment mode for each communication medium; When the communication channel connection unit 125 connecting the channel and the communication channel through the second communication medium, the payment information and payment security information for payment processing through the second communication medium through the key input unit 110 An interface output unit 137 for receiving a payment interface for each communication medium receiving the card information read from the customer card through the card reader unit 105, and the payment information through the payment interface for each communication medium; And an information input unit 140 for inputting and processing payment security information and card information.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one of a payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 107. Outputs a plurality of menus, and when the payment menu is selected from the plurality of menus through the key input unit 110, the information checking unit 133 is first identified by the communication medium checking unit 155. Identifying first media information corresponding to a communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected), and communication medium switching information including first media information in association with the memory unit 115; Confirming at least one or more payment processing information, including, and at least one or more second communication medium information included in the confirmed payment processing information.

When the at least one second communication medium information is confirmed by the information checking unit 133, the mode switching unit 135 is connected to the screen output unit 107 to determine one or more of the at least one second communication medium. And a mode selection interface for selecting a second communication medium to process the payment. When the second communication medium to be paid is selected through the key input unit 110, the VoIP terminal 100 of the VoIP terminal 100 is selected. The operation mode may be switched to a payment mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the payment mode for each communication medium is a device (or server) located in the near field with the VoIP complex terminal 100 via a packet-switched short-range wireless communication medium for the payment request information generated in the VoIP complex terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, a device (or server) located near the VoIP composite terminal 100 through the short range wireless communication medium of the payment request information generated by the VoIP composite terminal 100 through a direct communication method. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, an apparatus (or a server) located at a short distance from the VoIP composite terminal 100 via a packet-switched short-range wired communication medium for payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in which payment request information generated by the VoIP composite terminal 100 is directly communicated. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the payment request information generated by the VoIP composite terminal 100 is transmitted to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a payment mode for processing the payment.

Alternatively, the payment mode for each communication medium may include a payment mode for processing the payment by transmitting payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium. It is preferable to make.

Alternatively, the payment mode for each communication medium may include a payment mode for transmitting the payment request information generated in the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the payment. It is preferable to make.

When the operation mode of the VoIP composite terminal 100 is switched to the payment mode for each communication medium by the mode switching unit 135, the communication channel connection unit 125 receives payment request information through the selected second communication medium. And transmit a communication channel for processing the payment by transmitting.

Here, the communication channel connection unit 125 is a short-range wireless communication channel for transmitting the payment request information to the device (or server) located in the near field and the VoIP composite terminal 100 through a short-range wireless communication medium of the packet exchange method. It is preferable to connect.

Alternatively, the communication channel connection unit 125 transmits a short range wireless communication channel for transmitting the payment request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 125 transmits a short-range wired communication channel for transmitting the payment request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is preferable to connect.

Alternatively, the communication channel connection unit 125 transmits a short-range wired communication channel for transmitting the payment request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 125 may connect an optical communication channel for transmitting the payment request information to the VoIP composite terminal 100 and a device (or server) located at a short distance through an optical communication medium.

Alternatively, the communication channel connection unit 125 may connect a wide area communication channel for transmitting the payment request information to a server (or device) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 125 may connect a wide area communication channel for transmitting the payment request information to a server (or device) on the communication network through a wireless communication medium.

When the communication channel is connected through the second communication medium by the communication channel connection unit 125, the interface output unit 137 provides payment information for payment processing through the second communication medium through the key input unit 110. (E.g., payment amount, merchant information) and payment security information (e.g., card password, platform OTP (One Time Password authenticated by a server (or device) on a communication network other than a card company / financial company), etc.), and the card reader unit It characterized in that for outputting the payment interface for each communication medium that receives the card information read from the customer card through the 105.

Here, the payment interface for each communication medium may include payment information (eg, payment amount, merchant information) and payment security information (eg, card password, for payment processing through the second communication medium through the key input unit 110). Platform OTP, etc.) is preferably included, and preferably comprises a user interface for requesting to read the customer card through the card reader 105.

If the customer card is an IC card and the card reader unit 105 includes an IC reader unit, the payment interface for each communication medium uses a password (eg, a PIN (Personal Identification Number)) included in the payment security information. It is preferable to further comprise a user interface for confirming the validity through the IC card.

According to another exemplary embodiment of the present invention, a device (or server) located in close proximity to the VoIP composite terminal 100 and a short range wireless communication channel or a short distance wired communication channel or optical communication by the communication channel connection unit 125. When a channel is connected and the payment request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the payment processing), the communication medium The payment interface may omit some of the user interface for receiving payment information (eg, payment amount, merchant information) and payment security information (eg, card password, platform OTP, etc.), and the present invention is not limited thereto.

After the payment interface for each communication medium is output by the interface output unit 137, the information input unit 140 transmits the payment information (eg, payment amount and merchant information) and payment security through the key input unit 110. Characterized in that the information (for example, card password, platform OTP, etc.) input processing.

According to another exemplary embodiment of the present invention, a part of the user interface for receiving the payment information (eg, payment amount, merchant information) and payment security information (eg, card password, platform OTP, etc.) is omitted from the payment interface for each communication medium. In this case, the information input unit 140 may not process inputting information corresponding to the omitted user interface, and the present invention is not limited thereto.

Further, when the customer card is read through the card reader unit 105 based on the payment interface for each communication medium, the information input unit 140 inputs the card information in association with the card reader unit 105. Characterized in that.

Referring to FIG. 1, the VoIP composite terminal 100 is connected to the VoIP composite terminal 100 by the communication channel connection unit 125 for selective payment according to a communication medium identification according to another embodiment of the present invention. A message receiving unit 127 for receiving a card transaction message from the connected first communication medium, a message checking unit 130 for reading the received card transaction message to check whether payment information is included, and checking the payment information Check first communication medium information corresponding to the first communication medium (or the first communication medium receiving the card transaction message) identified by the communication medium checking unit 155, and the memory unit 115 and the memory unit 115. An information confirming unit 133 for confirming second communication medium information corresponding to the payment information among second communication medium information linked to the first communication medium information in association with the first communication medium information; Article A communication channel connection unit 125 connecting a communication channel for processing the payment through a communication medium; and an operation mode of the VoIP composite terminal 100 when the communication channel is connected through a second communication medium. Mode security unit 135 for switching to a payment mode for each communication medium including the communication medium information and the second communication medium information, and the payment security for payment processing through the second communication medium through the key input unit 110 An interface output unit 137 that receives information and outputs a payment interface for each communication medium that receives card information read from a customer card through the card reader 105, and the payment through the payment interface for each communication medium; And an information input unit 140 for inputting security information and card information.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 125, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 127 is connected to the message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connector 125. Accordingly, a predetermined card transaction message for selective payment according to the communication medium identification is received.

When the predetermined card transaction message is received by the message receiving unit 127, the message checking unit 130 reads the received card transaction message and checks whether payment information is included.

According to an embodiment of the present invention, the payment information included in the card transaction message preferably includes a payment amount and merchant information. PG identification information, payment page URL information, and payment according to the intention of a person skilled in the art. It is preferable that the payment path code information further comprises at least one.

When the message confirming unit 130 confirms that the payment information is included in the card transaction message, the information confirming unit 133 receives the card transaction message in association with the communication medium confirming unit 155. Identifying a first communication medium, identifying at least one or more payment processing information including communication medium switching information including first media information in association with the memory unit 115, and included in the confirmed payment processing information; Among the at least one piece of second communication medium information, the second communication medium information corresponding to the payment information is confirmed.

According to an exemplary embodiment of the present disclosure, the information checking unit 133 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 115. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the payment information includes the payment page URL, the information checking unit 133 is the VoIP composite terminal 100 among the communication medium information stored in the memory unit 115. Packet-switched short-range wireless communication medium, direct-communicated short-range wireless communication medium, packet-switched short-range wired communication medium, or direct communication It is preferable to automatically check any one of a short distance wired communication medium or an optical communication medium as the second communication medium, and even if the payment page URL is included according to the intention of a person skilled in the art, the VoIP composite terminal 100 The connected wireless communication medium or wired communication medium may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the payment information includes the payment path code information, the information checking unit 133 may transmit the payment information among the communication medium information stored in the memory unit 115. A wireless communication medium corresponding to the route code information, or a wired communication medium, or a short-range wireless communication medium in a packet-switched manner, a short-range wireless communication medium in a direct-communication manner, a short-range wireless communication medium in a packet-switched manner, or a short-range wired communication in a direct communication manner. Preferably, the communication medium or any one of the optical communication medium is automatically identified to the second communication medium.

When the second communication medium to process the payment is confirmed by the information confirming unit 133, the communication channel connection unit 125 establishes a communication channel for processing the payment through the confirmed second communication medium. It is characterized by connecting.

Here, the communication channel connection unit 125 is a device (or server) located in the near field with the VoIP composite terminal 100 through the short-range wireless communication medium of the packet exchange method identified by the information checking unit 133. It is preferable to connect a short range wireless communication channel for transmitting payment request information.

Alternatively, the communication channel connection unit 125 may be a device (or server) located in the near field with the VoIP composite terminal 100 through a short range wireless communication medium of the direct communication method identified by the information checking unit 133. It is preferable to connect a short range wireless communication channel for transmitting payment request information.

Alternatively, the communication channel connection unit 125 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through the short-range wired communication medium of the packet exchange method identified by the information checking unit 133. It is preferable to connect a short-range wired communication channel for transmitting the payment request information.

Alternatively, the communication channel connection unit 125 may be a device (or server) located at a short distance from the VoIP composite terminal 100 through a short-range wired communication medium of a direct communication method identified by the information checking unit 133. It is preferable to connect a short-range wired communication channel for transmitting the payment request information.

Alternatively, the communication channel connection unit 125 transmits the payment request information to a device (or server) located in close proximity to the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 133. It is preferable to connect an optical communication channel.

Alternatively, the communication channel connection unit 125 may connect a wide area communication channel for transmitting the payment request information to a server (or device) on the communication network through a wired communication medium identified by the information checking unit 133. Do.

Alternatively, the communication channel connection unit 125 may connect a wide area communication channel for transmitting the payment request information to a server (or a device) on the communication network through a wireless communication medium identified by the information checking unit 133. Do.

When the communication channel is connected through the second communication medium by the communication channel connection unit 125, the mode switching unit 135 receives the card transaction message in the operation mode of the VoIP composite terminal 100. Characterized in that the communication mode by the communication channel connection unit 125 is switched to the payment mode for each communication medium including the communication information connected to the second communication medium.

Here, the payment mode for each communication medium is a device (or server) located in the near field with the VoIP complex terminal 100 via a packet-switched short-range wireless communication medium for the payment request information generated in the VoIP complex terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, a device (or server) located near the VoIP composite terminal 100 through the short range wireless communication medium of the payment request information generated by the VoIP composite terminal 100 through a direct communication method. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, an apparatus (or a server) located at a short distance from the VoIP composite terminal 100 via a packet-switched short-range wired communication medium for payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in which payment request information generated by the VoIP composite terminal 100 is directly communicated. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the payment request information generated by the VoIP composite terminal 100 is transmitted to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a payment mode for processing the payment.

Alternatively, the payment mode for each communication medium may include a payment mode for processing the payment by transmitting payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium. It is preferable to make.

Alternatively, the payment mode for each communication medium may include a payment mode for transmitting the payment request information generated in the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the payment. It is preferable to make.

The communication channel connected to the communication channel through the second communication medium by the communication channel connecting unit 125, the operation mode of the VoIP composite terminal 100 by the mode switching unit 135 corresponding to the second communication medium When the payment mode is switched, the interface output unit 137 inputs payment security information (eg, card password, platform OTP, etc.) for payment processing through the second communication medium through the key input unit 110. And outputting a payment interface for each communication medium that receives the card information read from the customer card through the card reader unit 105.

Here, the payment interface for each communication medium includes a user interface for receiving payment security information (eg, card password, platform OTP, etc.) for payment processing through the second communication medium through the key input unit 110. It is preferably made, and preferably comprises a user interface for requesting to read the customer card through the card reader unit 105.

If the customer card is an IC card and the card reader unit 105 includes an IC reader unit, the payment interface for each communication medium may include a card password (eg, a PIN (Personal Identification Number)) included in the payment security information. Preferably through the user interface to confirm the validity of the IC card through.

According to another exemplary embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 125, Is connected, and the payment request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the payment processing), the payment for each communication medium The interface may be omitted a user interface for receiving payment security information (for example, card password, platform OTP, etc.), thereby not limited to the present invention.

After the payment interface for each communication medium is output by the interface output unit 137, the information input unit 140 transmits the payment security information (eg, card password, platform OTP, etc.) through the key input unit 110. Characterized in that the input processing.

According to another embodiment of the present invention, when the user interface for inputting the payment security information (for example, card password, platform OTP, etc.) to the payment interface for each communication medium is omitted, the information input unit 140 is the omitted user. The information corresponding to the interface may not be input-processed, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 105 based on the payment interface for each communication medium, the information input unit 140 inputs the card information in association with the card reader unit 105. Characterized in that.

Referring to FIG. 1, the VoIP composite terminal 100 generates information for generating payment request information corresponding to the second communication medium by including at least one of the input payment information, payment security information, and card information. The unit 143 and the information transmission unit 145 for transmitting the payment request information through a communication channel connected through the second communication medium when the payment request information is generated.

When the card information is input and processed through the information input unit 140, and the payment information and the payment security information are input and processed according to an implementation method, the information generation unit 143 performs the input payment information and payment security information and the card. At least one information may be included to generate payment request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 125 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generation unit 143 preferably generates payment request information transmitted through the short-range wireless communication medium.

Alternatively, a communication channel through a short range wireless communication medium of a direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in a short distance by the communication channel connection unit 125. When connected, the information generating unit 143 preferably generates payment request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in a short distance by the communication channel connection unit 125. When connected, the information generation unit 143 preferably generates payment request information transmitted through the short-range wired communication medium of the packet exchange method.

Alternatively, a communication channel via a short-range wired communication medium of a direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in a short distance by the communication channel connection unit 125. When connected, the information generation unit 143 preferably generates payment request information transmitted through the short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 125 connects the VoIP composite terminal 100 to the VoIP composite terminal 100 and a device (or server) located in a short distance through an optical communication medium, the information is provided. The generation unit 143 preferably generates payment request information transmitted through the optical communication medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connector 125 through a wired communication medium, the information generator 143 communicates with the wired communication. It is preferable to generate payment request information transmitted through the medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connection unit 125, the information generation unit 143 performs the wireless communication. It is preferable to generate payment request information transmitted through the medium.

When the payment request information is generated by the information generator 143, the information transmitter 145 transmits the payment request information through a communication channel connected through the second communication medium.

When the information transmitting unit 145 transmits the payment request information through a communication channel connected through the second communication medium, at least one key data is included in the payment processing information including the second communication medium information. In this case, the information transmitting unit 145 preferably transmits the encrypted payment request information through the key data.

Those skilled in the art will be familiar with the technical features of encrypting and transmitting the payment request information through at least one encryption key, and a detailed description thereof will be omitted for convenience. .

After the payment request information is transmitted by the information transmitting unit 145, when a payment corresponding to the payment request information is processed, a message receiver including the payment result information is received through the message receiving unit 127. And is output through the screen output unit 107.

Referring to FIG. 1, the VoIP composite terminal 100 may be selected from among a plurality of menus output through the screen output unit 107 for selective financial transactions according to communication medium identification according to an embodiment of the present invention. When the banking menu is selected through the key input unit 110, the first communication medium (or the VoIP composite terminal 100) identified by the communication medium checking unit 155 in association with the memory unit 115 is presently present. An information checking unit 133 for identifying at least one second communication medium information included in banking processing information including first media information corresponding to the first communication medium connected thereto; and the financial transaction of the second communication mediums. Outputs a mode selection interface for selecting a second communication medium to process the second communication medium; Media Information and Awards A mode switching unit 135 for switching to a banking mode for each communication medium corresponding to the selected second communication medium information, and a communication for processing the financial transaction through the selected second communication medium when switching to a banking mode for each communication medium; Financial transaction information and financial transaction security for financial transaction processing through the second communication medium through the key input unit 110, when the communication channel connection unit 125 for connecting the channel and the communication channel through the second communication medium, The interface output unit 137 for receiving the information, and outputs the financial transaction interface for each communication medium receiving the card information read from the customer card through the card reader unit 105, and through the financial transaction interface for each communication medium And an information input unit 140 for inputting and processing the financial transaction information, financial transaction security information, and card information.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one of a payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 107. Outputs a plurality of menus, and when the banking menu is selected from the plurality of menus through the key input unit 110, the information checking unit 133 is the first confirmed by the communication medium checking unit 155; Identifying first media information corresponding to a communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected), and communication medium switching information including first media information in association with the memory unit 115; Confirming at least one or more banking processing information including a, and at least one or more second communication medium information included in the identified banking processing information.

When the at least one second communication medium information is confirmed by the information checking unit 133, the mode switching unit 135 is connected to the screen output unit 107 to determine one or more of the at least one second communication medium. And a mode selection interface for selecting a second communication medium to process the financial transaction. When selecting a second communication medium to be financial transaction through the key input unit 110, the VoIP terminal 100 The operation mode may be switched to a banking mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the banking mode for each communication medium is a device (or server) located in the local area and the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for the financial transaction request information generated by the VoIP composite terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP composite terminal 100 through the short range wireless communication medium of the financial transaction request information generated by the VoIP composite terminal 100 in a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a packet switching scheme. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP complex terminal 100 through the short distance wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 in a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a banking mode for processing financial transactions.

Alternatively, the banking mode for each communication medium includes a banking mode in which the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to a server (or device) on the communication network through a wired communication medium to process the financial transaction. It is preferable to make it.

Alternatively, the banking mode for each communication medium includes a banking mode for transmitting the financial transaction request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the financial transaction. It is preferable to make it.

When the operation mode of the VoIP composite terminal 100 is switched to the banking mode for each communication medium by the mode switching unit 135, the communication channel connection unit 125 receives financial transaction request information through the selected second communication medium. It characterized in that for transmitting the communication channel for processing the financial transaction.

Here, the communication channel connection unit 125 transmits the financial transaction request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short-range wireless communication medium of a packet switched method. It is preferable to connect.

Alternatively, the communication channel connection unit 125 transmits the financial transaction request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connector 125 transmits the financial transaction request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is preferable to connect.

Alternatively, the communication channel connection unit 125 transmits the financial transaction request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short distance wired communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 125 may connect an optical communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through an optical communication medium. .

Alternatively, the communication channel connector 125 may connect a wide area communication channel for transmitting the financial transaction request information to a server (or a device) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 125 may connect a wide area communication channel for transmitting the financial transaction request information to a server (or a device) on the communication network through a wireless communication medium.

When the communication channel is connected through the second communication medium by the communication channel connection unit 125, the interface output unit 137 performs a financial transaction for financial transaction processing through the second communication medium through the key input unit 110. Information (eg, transaction amount, payee account information) and financial transaction security information (eg, card password, account password, platform OTP, etc.) are input, and the card information read from the customer card is read through the card reader 105. It is characterized by outputting a financial transaction interface for each communication medium received.

Here, the financial transaction interface for each communication medium may include financial transaction information (eg, transaction amount, payee account information) and financial transaction security information (eg, transaction amount) for the financial transaction processing through the second communication medium through the key input unit 110. , A card password, an account password, a platform OTP, etc.), and a user interface for requesting reading of a customer card through the card reader 105.

If the customer card is an IC card and the card reader unit 105 includes an IC reader unit, the financial transaction interface for each communication medium may include a password (eg, a PIN (Personal Identification Number)) included in the financial transaction security information. It is preferable to further comprise a user interface for checking the validity of the IC card through).

According to another exemplary embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 125, Is connected, when the financial transaction request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for processing the financial transaction), for each communication medium The financial transaction interface may omit some of the user interface for inputting financial transaction information (eg, transaction amount, beneficiary account information) and financial transaction security information (eg, card password, account password, platform OTP, etc.). The present invention is not limited.

After the financial transaction interface for each communication medium is output by the interface output unit 137, the information input unit 140 receives the financial transaction information (eg, transaction amount and payee account information) through the key input unit 110. And financial transaction security information (eg, card password, account password, platform OTP).

According to another embodiment of the present invention, the financial transaction information (eg, transaction amount, payee account information) and financial transaction security information (eg, card password, account password, platform OTP, etc.) are provided in the financial transaction interface for each communication medium. When a part of the input user interface is omitted, the information input unit 140 may not process inputting information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 105 based on the financial transaction interface for each communication medium, the information input unit 140 inputs the card information in association with the card reader unit 105. It is characterized by processing.

Referring to FIG. 1, the VoIP composite terminal 100 is connected to the VoIP composite terminal 100 by the communication channel connection unit 125 for selective financial transactions according to a communication medium identification according to another embodiment of the present invention. A message receiving unit 127 for receiving a card transaction message from the connected first communication medium; When confirming, the first communication medium information corresponding to the first communication medium (or the first communication medium receiving the card transaction message) identified by the communication medium checking unit 155 is checked, and the memory unit 115 is checked. Information confirmation unit 133 for identifying second communication medium information corresponding to the financial transaction information among second communication medium information linked to the first communication medium information in connection with the first communication medium information, and when checking the second communication medium. , Mode of operation of the VoIP composite terminal 100 when a communication channel connection unit 125 connects a communication channel for processing the financial transaction through a second communication medium and a communication channel through a second communication medium. A mode switching unit 135 for switching to a banking mode for each communication medium including the first communication medium information and the second communication medium information, and the financial transaction processing through the second communication medium through the key input unit 110. Interface output unit 137 for receiving the financial transaction security information for the output, and outputs the financial transaction interface for each communication medium receiving the card information read from the customer card through the card reader unit 105, and for each communication medium And an information input unit 140 for inputting and processing the financial transaction security information and card information through a financial transaction interface.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 125, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 127 is connected to the message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connector 125. Accordingly, it is characterized in that for receiving a predetermined card transaction message for the selective financial transaction in accordance with the communication medium identification.

When a predetermined card transaction message is received by the message receiving unit 127, the message checking unit 130 reads the received card transaction message and checks whether financial transaction information is included.

According to the exemplary embodiment of the present invention, the financial transaction information included in the card transaction message may include at least one transaction amount and a payee account information. PG identification information and a financial transaction page according to the intention of a person skilled in the art Preferably, the URL information and financial transaction path code information are further included.

When it is confirmed by the message confirming unit 130 that the financial transaction information is included in the card transaction message, the information confirming unit 133 receives the card transaction message in association with the communication medium confirming unit 155. Identify a first communication medium, identify at least one or more banking processing information including communication medium switching information including first media information in association with the memory unit 115, and include the information in the checked banking processing information; And identifying second communication medium information corresponding to the financial transaction information among the at least one second communication medium information.

According to an exemplary embodiment of the present disclosure, the information checking unit 133 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 115. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the financial transaction information includes the financial transaction page URL, the information checking unit 133 may be configured to perform the VoIP composite information among the communication medium information stored in the memory unit 115. Near field terminal 100, a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication, a short-range wired communication medium of a packet-switching method for communicating with a device (or server) connected to the financial transaction page near the terminal 100, or It is preferable to automatically check any one of a short distance wired communication medium or an optical communication medium of the direct communication method as the second communication medium. Even if the financial transaction page URL is included according to the intention of a person skilled in the art, the VoIP The wireless communication medium or the wired communication medium to which the composite terminal 100 is connected may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the financial transaction information includes the financial transaction path code information, the information checking unit 133 may include the financial medium information among the communication medium information stored in the memory unit 115. Wireless communication medium corresponding to the transaction path code information, or wired communication medium, or a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication method, a short-range wireless communication medium of a packet-switching method, or a short distance of a direct communication method. Preferably, the communication medium of either a wired communication medium or an optical communication medium is automatically identified as the second communication medium.

When the second communication medium to process the financial transaction is confirmed by the information confirming unit 133, the communication channel connection unit 125 is a communication channel for processing the financial transaction through the identified second communication medium. It characterized in that to connect.

Here, the communication channel connection unit 125 is a device (or server) located in the near field with the VoIP composite terminal 100 through the short-range wireless communication medium of the packet exchange method identified by the information checking unit 133. It is desirable to connect a short range wireless communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 125 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through a short range wireless communication medium of the direct communication method identified by the information checking unit 133. It is desirable to connect a short range wireless communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 125 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through the short-range wired communication medium of the packet exchange method identified by the information checking unit 133. It is preferable to connect a short-range wired communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 125 may be a device (or server) located at a short distance from the VoIP composite terminal 100 through a short-range wired communication medium of a direct communication method identified by the information checking unit 133. It is preferable to connect a short-range wired communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 125 transmits the financial transaction request information to a device (or server) located in close proximity to the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 133. It is desirable to connect the transmitting optical communication channel.

Alternatively, the communication channel connection unit 125 may connect a wide area communication channel for transmitting the financial transaction request information to a server (or a device) on the communication network through a wired communication medium identified by the information checking unit 133. desirable.

Alternatively, the communication channel connection unit 125 may connect a wide area communication channel for transmitting the financial transaction request information to a server (or a device) on the communication network through a wireless communication medium identified by the information checking unit 133. desirable.

When the communication channel is connected through the second communication medium by the communication channel connection unit 125, the mode switching unit 135 receives the card transaction message in the operation mode of the VoIP composite terminal 100. The method may be configured to switch to a banking mode for each communication medium including information and information on a second communication medium connected to a communication channel by the communication channel connection unit 125.

Here, the banking mode for each communication medium is a device (or server) located in the local area and the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for the financial transaction request information generated by the VoIP composite terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP composite terminal 100 through the short range wireless communication medium of the financial transaction request information generated by the VoIP composite terminal 100 in a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a packet switching scheme. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP complex terminal 100 through the short distance wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 in a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a banking mode for processing financial transactions.

Alternatively, the banking mode for each communication medium includes a banking mode in which the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to a server (or device) on the communication network through a wired communication medium to process the financial transaction. It is preferable to make it.

Alternatively, the banking mode for each communication medium includes a banking mode for transmitting the financial transaction request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the financial transaction. It is preferable to make it.

The communication channel connected to the communication channel through the second communication medium by the communication channel connecting unit 125, the operation mode of the VoIP composite terminal 100 by the mode switching unit 135 corresponding to the second communication medium When the banking mode is switched to the star, the interface output unit 137 through the key input unit 110, the financial transaction security information (for example, card password, account password, platform OTP) for the financial transaction processing through the second communication medium And the like), and outputs a financial transaction interface for each communication medium that receives card information read from a customer card through the card reader 105.

Here, the financial transaction interface for each communication medium receives the financial transaction security information (eg, card password, account password, platform OTP, etc.) for financial transaction processing through the second communication medium through the key input unit 110. It is preferable to include a user interface, and preferably comprises a user interface for requesting to read the customer card through the card reader unit 105.

If the customer card is an IC card and the card reader unit 105 includes an IC reader unit, the financial transaction interface for each communication medium may include a card password, an account password (eg, a PIN ( Personal Identification Number)) preferably further comprises a user interface for checking the validity of the IC card.

According to another exemplary embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 125, Is connected, when the financial transaction request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the financial transaction processing), the communication medium The financial transaction interface may omit a user interface for receiving financial transaction security information (for example, a card password, an account password, a platform OTP, etc.), and the present invention is not limited thereto.

After the financial transaction interface for each communication medium is output by the interface output unit 137, the information input unit 140 transmits the financial transaction security information (eg, a card password, an account password, a password) through the key input unit 110. Platform OTP).

According to another exemplary embodiment of the present invention, when the user interface for receiving the financial transaction security information (for example, card password, account password, platform OTP, etc.) is omitted from the financial transaction interface for each communication medium, the information input unit 140 may be used. It is not necessary to process the input information corresponding to the omitted user interface, whereby the present invention is not limited.

In addition, when the customer card is read through the card reader unit 105 based on the financial transaction interface for each communication medium, the information input unit 140 inputs the card information in association with the card reader unit 105. It is characterized by processing.

Referring to FIG. 1, the VoIP composite terminal 100 includes at least one of the input processed financial transaction information, financial transaction security information, and card information to generate financial transaction request information corresponding to the second communication medium. And an information transmitter 145 for transmitting the financial transaction request information through a communication channel connected through the second communication medium when the financial transaction request information is generated. do.

When the card price is input and processed through the information input unit 140, and the financial transaction information and the financial transaction security information are input and processed according to an implementation method, the information generation unit 143 performs the input financial transaction information and financial transaction. And at least one security information and card information to generate financial transaction request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 125 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generation unit 143 may generate the financial transaction request information transmitted through the short-range wireless communication medium.

Alternatively, a communication channel through a short range wireless communication medium of a direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in a short distance by the communication channel connection unit 125. When connected, the information generator 143 preferably generates the financial transaction request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in a short distance by the communication channel connection unit 125. When connected, the information generation unit 143 preferably generates the financial transaction request information transmitted through the short-range wired communication medium of the packet exchange method.

Alternatively, a communication channel via a short-range wired communication medium of a direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in a short distance by the communication channel connection unit 125. When connected, the information generator 143 preferably generates the financial transaction request information transmitted through the short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 125 connects the VoIP composite terminal 100 to the VoIP composite terminal 100 and a device (or server) located in a short distance through an optical communication medium, the information is provided. The generation unit 143 preferably generates the financial transaction request information transmitted through the optical communication medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connector 125 through a wired communication medium, the information generator 143 communicates with the wired communication. It is preferable to generate the financial transaction request information transmitted through the medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connection unit 125, the information generation unit 143 performs the wireless communication. It is preferable to generate the financial transaction request information transmitted through the medium.

When the financial transaction request information is generated by the information generation unit 143, the information transmission unit 145 transmits the financial transaction request information through a communication channel connected through the second communication medium. .

When the information transmitter 145 transmits the financial transaction request information through a communication channel connected through the second communication medium, at least one key data is included in banking processing information including the second communication medium information. In this case, the information transmitter 145 preferably transmits the financial transaction request information by encrypting the key data.

Those skilled in the art will be familiar with the technical features of encrypting and transmitting the financial transaction request information through at least one or more encryption keys, and thus, a detailed description thereof will be omitted. do.

After the financial transaction request information is transmitted by the information transmission unit 145, and when a financial transaction corresponding to the financial transaction request information is processed, a messager including the financial transaction result information through the message receiver 127. It is preferably received and output through the screen output unit 107.

Referring to Figure 1, the VoIP composite terminal 100 for the payment through the option board 123 and selective payment (or financial transactions) processing according to the communication medium identification according to an embodiment of the present invention, If a giro payment menu is selected through the key input unit 110 among a plurality of menus output through the screen output unit 107, the communication medium checking unit 155 is connected to the memory unit 115. Identifying at least one or more second communication medium information included in the processing information including first medium information corresponding to the first communication medium (or the first communication medium to which the VoIP composite terminal 100 is currently connected) identified by the Outputs a mode selection interface for selecting a second communication medium to process the Jiro payment among the second communication media, and through the key input unit 110, a second payment target second communication; When choosing a medium, A mode switching unit 135 for switching the operation mode of the VoIP composite terminal 100 to a trough mode for each communication medium corresponding to the first and second communication medium information, and to a trough mode for each communication medium. When switching, the communication channel connecting unit 125 for connecting the communication channel for processing the branch payment through the selected second communication medium, and when connecting the communication channel through the second communication medium, through the key input unit 110 A Giro payment interface for each communication medium receiving Giro payment information and Giro payment security information for the payment process through the second communication medium and the card information read from the customer card through the card reader 105; An interface output unit 137 for outputting, and an information input unit 14 for processing inputting the giro payment information, the giro payment security information, and the card information through the giro payment interface for each communication medium. It is characterized by consisting of 0).

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one of a payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 107. Outputs a plurality of menus, and when the payout menu is selected from the plurality of menus through the key input unit 110, the information checking unit 133 is configured to be checked by the communication medium checking unit 155. 1 confirming the first media information corresponding to the communication medium (or the first communication medium to which the VoIP composite terminal 100 is currently connected), and switching the communication medium including the first medium information in association with the memory unit 115. Identifying at least one geoprocessing information including the information, and identifying at least one second communication medium information included in the identified geoprocessing information.

When the at least one second communication medium information is confirmed by the information checking unit 133, the mode switching unit 135 is connected to the screen output unit 107 to determine one or more of the at least one second communication medium. And outputting a mode selection interface for selecting a second communication medium to process the payment, and when selecting a second communication medium to be paid for payment through the key input unit 110, the VoIP terminal 100 of the VoIP terminal 100. The operation mode may be switched to a mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

In the Jiro mode for each communication medium, a device (or a server) located near the VoIP composite terminal 100 via the short-range wireless communication medium in which the Giro payment request information generated by the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the Jiro mode for each communication medium is a device (or server) located near the VoIP composite terminal 100 via the short-range wireless communication medium in which the giro payment request information generated by the VoIP composite terminal 100 is directly communicated. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the Jiro mode for each communication medium may be a device (or a server) located near the VoIP composite terminal 100 via a short-range wired communication medium in which the giro payment request information generated by the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the communication mode for each media medium is a device (or server) that is located near the VoIP composite terminal 100 via the short-range wired communication medium of the giro payment request information generated by the VoIP composite terminal 100 in a direct communication method. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the telecommunication mode for each communication medium may transmit the payment information for the giro payment generated by the VoIP composite terminal 100 to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include the giro mode which processes a giro payment.

Alternatively, the Jiro mode for each communication medium includes a Jiro mode for transmitting the Jiro payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium to process the Jiro payment. It is preferable to make it.

Alternatively, the Jiro mode for each communication medium includes a Jiro mode for transmitting the Jiro payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the Jiro payment. It is preferable to make it.

When the operation mode of the VoIP composite terminal 100 is switched to the communication medium-specific mode by the mode switching unit 135, the communication channel connection unit 125 transmits the giro payment request information through the selected second communication medium. It characterized in that for transmitting the communication channel for processing the branch payment by transmitting a.

Here, the communication channel connection unit 125 transmits the branch payment request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wireless communication medium of a packet switched method. It is preferable to connect.

Alternatively, the communication channel connection unit 125 transmits the branch payment request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 125 transmits the branch payment request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is preferable to connect.

Alternatively, the communication channel connection unit 125 transmits the branch payment request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short distance wired communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 125 may connect an optical communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and a device (or server) located at a short distance through an optical communication medium. .

Alternatively, the communication channel connector 125 may connect a wide area communication channel for transmitting the branch payment request information to a server (or a device) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 125 may connect a wide area communication channel for transmitting the branch payment request information to a server (or a device) on the communication network through a wireless communication medium.

When the communication channel is connected through the second communication medium by the communication channel connection unit 125, the interface output unit 137 is a branch payment unit for processing the payment through the second communication medium through the key input unit 110. Giro payment by communication media receiving information (eg, payment amount) and giro payment security information (eg, card password, platform OTP, etc.) and card information read from a customer card through the card reader unit 105. And outputting an interface.

Here, the Jiro payment interface for each communication medium may include Jiro payment information (for example, payment amount) and Giro payment security information (for example, card password, Platform OTP, etc.) is preferably included, and preferably comprises a user interface for requesting to read the customer card through the card reader 105.

If the customer card is an IC card and the card reader unit 105 includes an IC reader unit, the Jiro payment interface for each communication medium may be connected to the IC through a password (eg, a PIN) included in the Jiro payment security information. It is preferred to further comprise a user interface for checking the validity of the card.

According to another exemplary embodiment of the present invention, a device (or server) located in close proximity to the VoIP composite terminal 100 and a short range wireless communication channel or a short distance wired communication channel or optical communication by the communication channel connection unit 125. When the channel is connected and the giro payment request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the giro payment processing), the communication medium The separate Giro payment interface may omit some of the user interface for inputting Giro payment information (eg, payment amount) and Giro payment security information (eg, card password, platform OTP, etc.), and the present invention is not limited thereto. .

After the payment interface for each communication medium is output by the interface output unit 137, the information input unit 140 secures the payment information (for example, the payment amount) and the payment payment through the key input unit 110. Characterized in that the information (for example, card password, platform OTP, etc.) input processing.

According to another exemplary embodiment of the present invention, a part of the user interface for inputting the giro payment information (eg, payment amount) and giro payment security information (eg, card password, platform OTP, etc.) to the giro payment interface for each communication medium is omitted. In this case, the information input unit 140 may not process inputting information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 105 based on a payment interface for each communication medium, the information input unit 140 inputs the card information in association with the card reader unit 105. It is characterized by processing.

Referring to Figure 1, the VoIP composite terminal 100 for the payment through the option board 123 according to another embodiment of the present invention and payment through selective payment (or financial transactions) processing according to the communication medium identification is A message receiving unit 127 for receiving a card transaction message from the first communication medium to which the VoIP composite terminal 100 is connected by the communication channel connection unit 125 and the received card transaction message to read Giro payment information. Message confirmation unit 130 to check whether the included, and the first communication medium (or the first communication medium receiving the card transaction message) confirmed by the communication medium confirmation unit 155 when the giro payment information is confirmed Confirm first communication medium information corresponding to the second communication medium information, and second communication medium information corresponding to the branch payment information among second communication medium information linked to the first communication medium information in association with the memory unit 115; Communication information connecting unit 125 for connecting the information confirmation unit 133 to confirm, the communication channel for processing the branch payment through the confirmed second communication medium, the second communication medium and second communication When the communication channel is connected through a medium, the mode switching unit 135 for switching the operation mode of the VoIP composite terminal 100 to the communication mode for each communication medium including the first communication medium information and the second communication medium information; For each communication medium that receives the payment information for the payment for the payment through the second communication medium through the key input unit 110, and the card information read from the customer card through the card reader 105 An interface output unit 137 for outputting a giro payment interface and an information input unit 140 for inputting and processing the giro payment security information and card information through the giro payment interface for each communication medium. It characterized by that.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 125, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 127 is connected to the message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connector 125. According to the option board 123 and receiving a predetermined card transaction message for giro payment through the selective payment (or financial transaction) processing according to the communication medium identification.

When a predetermined card transaction message is received by the message receiving unit 127, the message checking unit 130 reads the received card transaction message and checks whether the payment information is included.

According to the method of the present invention, the giro payment information included in the card transaction message preferably comprises at least one payment amount, PG identification information, giro payment page URL information, It is preferable to further include at least one or more giro payment path code information.

When the message confirming unit 130 confirms that the card transaction message includes the giro payment information, the information confirming unit 133 receives the card transaction message in association with the communication medium confirming unit 155. Identify a first communication medium, identify at least one geoprocessing information including communication medium switching information including first media information in association with the memory unit 115, and include the information in the identified geoprocessing information Among the one or more pieces of second communication medium information, the second communication medium information corresponding to the branch payment information is confirmed.

According to an exemplary embodiment of the present disclosure, the information checking unit 133 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 115. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the giro payment information includes the giro payment page URL, the information checking unit 133 is the VoIP composite terminal of the communication medium information stored in the memory unit 115. Near field communication (100), a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-range wired communication medium of the packet-switching method to communicate with the device (or server) connected to the page to pay giro It is preferable to automatically check any one of a short-range wired communication medium or an optical communication medium of a communication method as the second communication medium, and even if the branch pay page URL is included, according to the intention of a person skilled in the art. The wireless communication medium or the wired communication medium to which the terminal 100 is connected may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the giro payment information includes the giro payment path code information, the information checking unit 133 may be configured to store information on the branch of the communication medium stored in the memory unit 115. Wireless communication medium corresponding to the payment path code information, or wired communication medium, or packet-switched short-range wireless communication medium, direct-communication short-range wireless communication medium, packet-switched short-range wired communication medium, or direct communication Preferably, the communication medium of either a wired communication medium or an optical communication medium is automatically identified as the second communication medium.

When the second communication medium for processing the giro payment is confirmed by the information checking unit 133, the communication channel connection unit 125 establishes a communication channel for processing the giro payment through the checked second communication medium. It is characterized by connecting.

Here, the communication channel connection unit 125 is a device (or server) located in the near field with the VoIP composite terminal 100 through the short-range wireless communication medium of the packet exchange method identified by the information checking unit 133. It is preferable to connect a short range wireless communication channel for transmitting the branch payment request information.

Alternatively, the communication channel connection unit 125 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through a short range wireless communication medium of the direct communication method identified by the information checking unit 133. It is preferable to connect a short range wireless communication channel for transmitting the branch payment request information.

Alternatively, the communication channel connection unit 125 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through the short-range wired communication medium of the packet exchange method identified by the information checking unit 133. It is preferable to connect a short-distance wired communication channel for transmitting giro payment request information.

Alternatively, the communication channel connection unit 125 may be a device (or server) located at a short distance from the VoIP composite terminal 100 through a short-range wired communication medium of a direct communication method identified by the information checking unit 133. It is preferable to connect a short-distance wired communication channel for transmitting giro payment request information.

Alternatively, the communication channel connection unit 125 transmits the branch payment request information to a device (or server) located at a short distance from the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 133. It is desirable to connect the transmitting optical communication channel.

Alternatively, the communication channel connecting unit 125 may connect a wide area communication channel for transmitting the branch payment request information to a server (or a device) on the communication network through a wired communication medium identified by the information checking unit 133. desirable.

Alternatively, the communication channel connection unit 125 may connect a wide area communication channel for transmitting the branch payment request information to a server (or a device) on the communication network through a wireless communication medium identified by the information checking unit 133. desirable.

When the communication channel is connected through the second communication medium by the communication channel connection unit 125, the mode switching unit 135 receives the card transaction message in the operation mode of the VoIP composite terminal 100. Characterized by the communication channel connection unit 125 is characterized in that the switch to the communication mode for each communication medium containing the second communication medium connected to the communication channel.

In the Jiro mode for each communication medium, a device (or a server) located near the VoIP composite terminal 100 via the short-range wireless communication medium in which the Giro payment request information generated by the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the Jiro mode for each communication medium is a device (or server) located near the VoIP composite terminal 100 via the short-range wireless communication medium in which the giro payment request information generated by the VoIP composite terminal 100 is directly communicated. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the Jiro mode for each communication medium may be a device (or a server) located near the VoIP composite terminal 100 via a short-range wired communication medium in which the giro payment request information generated by the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the communication mode for each media medium is a device (or server) that is located near the VoIP composite terminal 100 via the short-range wired communication medium of the giro payment request information generated by the VoIP composite terminal 100 in a direct communication method. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the telecommunication mode for each communication medium may transmit the payment information for the giro payment generated by the VoIP composite terminal 100 to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include the giro mode which processes a giro payment.

Alternatively, the Jiro mode for each communication medium includes a Jiro mode for transmitting the Jiro payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium to process the Jiro payment. It is preferable to make it.

Alternatively, the Jiro mode for each communication medium includes a Jiro mode for transmitting the Jiro payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the Jiro payment. It is preferable to make it.

The communication channel connected to the communication channel through the second communication medium by the communication channel connecting unit 125, the operation mode of the VoIP composite terminal 100 by the mode switching unit 135 corresponding to the second communication medium When the mode is switched to the separate mode, the interface output unit 137 receives the zero payment security information (eg, card password, platform OTP, etc.) for the payment of the payment through the second communication medium through the key input unit 110. Receiving the input, characterized in that for outputting the payment interface to the communication medium for receiving the card information read from the customer card through the card reader 105.

Here, the Jiro payment interface for each communication medium is a user interface for receiving Jiro payment security information (eg, card password, platform OTP, etc.) for the Jiro payment processing through the second communication medium through the key input unit 110. It is preferably made, including a user interface for requesting to read the customer card through the card reader unit 105.

If the customer card is an IC card and the card reader unit 105 includes an IC reader unit, the Jiro payment interface for each communication medium may be connected to the IC through a password (eg, a PIN) included in the Jiro payment security information. It is preferred to further comprise a user interface for checking the validity of the card.

According to another exemplary embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 125, Is connected, and when the giro payment request information includes only card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the giro payment processing), the communication medium The Giro payment interface may omit a user interface for inputting Giro payment security information (for example, card password, platform OTP, etc.), and the present invention is not limited thereto.

After the payment interface for each communication medium is output by the interface output unit 137, the information input unit 140 transmits the payment security information (eg, card password, platform OTP) through the key input unit 110. And the like).

According to another exemplary embodiment of the present invention, when the user interface for receiving the giro payment security information (for example, card password, platform OTP, etc.) is omitted from the giro payment interface for each communication medium, the information input unit 140 is omitted. It is not necessary to process the input information corresponding to the user interface, and the present invention is not limited thereby.

In addition, when the customer card is read through the card reader unit 105 based on the payment interface for each communication medium, the information input unit 140 inputs the card information in association with the card reader unit 105. It is characterized by processing.

Referring to FIG. 1, the VoIP composite terminal 100 includes at least one of the input-processed giro payment information, giro payment security information, and card information to generate giro payment request information corresponding to the second communication medium. And an information transmitter 145 for transmitting the branch payment request information through a communication channel connected through the second communication medium when generating the branch payment request information. do.

When the card payment is input and processed through the information input unit 140 and the giro payment information and the giro payment security information are input and processed according to an implementation method, the information generation unit 143 performs the giro payment information and the giro payment. At least one security information and card information may be included to generate branch payment request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 125 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generation unit 143 may generate the branch payment request information transmitted through the short-range wireless communication medium of the packet exchange method.

Alternatively, a communication channel through a short range wireless communication medium of a direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in a short distance by the communication channel connection unit 125. When connected, the information generation unit 143 preferably generates branch payment request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel via a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 125. When connected, the information generation unit 143 preferably generates branch payment request information transmitted through the short-range wired communication medium of the packet exchange method.

Alternatively, a communication channel via a short-range wired communication medium of a direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in a short distance by the communication channel connection unit 125. When connected, the information generating unit 143 preferably generates branch payment request information transmitted through the short-range wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 125 connects the VoIP composite terminal 100 to the VoIP composite terminal 100 and a device (or server) located in a short distance through an optical communication medium, the information is provided. The generation unit 143 preferably generates branch payment request information transmitted through the optical communication medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connector 125 through a wired communication medium, the information generator 143 communicates with the wired communication. It is preferable to generate the branch payment request information transmitted through the medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connection unit 125, the information generation unit 143 performs the wireless communication. It is preferable to generate the branch payment request information transmitted through the medium.

When the branch payment request information is generated by the information generation unit 143, the information transmission unit 145 transmits the branch payment request information through a communication channel connected through the second communication medium. .

When the information transmitter 145 transmits the branch payment request information through a communication channel connected through the second communication medium, at least one key data is included in the branch processing information including the second communication medium information. In this case, the information transmitter 145 preferably transmits the giro payment request information by encrypting the key data.

Those skilled in the art will be familiar with the technical features of encrypting and transmitting the giro payment request information through at least one or more encryption keys, so a detailed description thereof will be omitted. do.

After the giro payment request information is transmitted by the information transmission unit 145, and if the giro payment corresponding to the giro payment request information is processed, a message including the giro payment result information through the message receiving unit 127 It is preferable that the received and output through the screen output unit 107.

Referring to Figure 1, the VoIP composite terminal 100 for ticket reservation / booking through the optional payment (or financial transaction) processing according to the reading option board 123 and the communication medium identification according to an embodiment of the present invention If a ticket reservation / booking menu is selected through the key input unit 110 among a plurality of menus output through the screen output unit 107, the communication medium checking unit is connected with the memory unit 115. At least one or more second communications included in ticket processing information including first media information corresponding to the first communication medium (or the first communication medium to which the VoIP composite terminal 100 is currently connected) identified by 155. An information confirmation unit 133 for confirming media information, a mode selection interface for selecting a second communication medium to process the ticket reservation / reservation among the second communication mediums, and a ticket through the key input unit 110 Reservation / Booking Target A mode switching unit 135 for switching the operation mode of the VoIP composite terminal 100 to a ticket mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information when selecting a communication medium; When switching to the ticket mode for each communication medium, the communication channel connecting unit 125 for connecting the communication channel for processing the ticket reservation / reservation through the selected second communication medium, and when connecting the communication channel through the second communication medium, Through the key input unit 110 receives a ticket reservation / reservation information and ticket reservation / reservation security information for the ticket reservation / reservation processing through the second communication medium, and the customer card through the card reader 105 An interface output unit 137 for outputting a ticket reservation / reservation interface for each communication medium receiving card information read from the communication medium, and the ticket reservation / reservation information through the ticket reservation / reservation interface for each communication medium And an information input unit 140 to process the input ticket reservation / booking security information and the card information is characterized in that formed.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one of a payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 107. Outputs a plurality of menus, and when the ticket reservation / advance menu is selected from the plurality of menus through the key input unit 110, the information checking unit 133 confirms by the communication medium checking unit 155. A first medium information corresponding to the first communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected) and includes a first medium information in association with the memory unit 115; And identifying at least one ticket processing information including the media switching information, and identifying at least one second communication medium information included in the checked ticket processing information.

When the at least one second communication medium information is confirmed by the information checking unit 133, the mode switching unit 135 is connected to the screen output unit 107 to determine one or more of the at least one second communication medium. And outputting a mode selection interface for selecting a second communication medium to process the ticket reservation / reservation, and selecting the second communication medium for ticket reservation / reservation through the key input unit 110. The operation mode of 100 may be switched to a ticket mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 via the packet-switched short-range wireless communication medium through the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Or, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 through the short-range wireless communication medium of the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium is a device that locates the ticket reservation / reservation request information generated in the VoIP composite terminal 100 and the VoIP composite terminal 100 in a short distance through a short-range wired communication medium of a packet exchange method ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Or, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 via the short-range wired communication medium of the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium transmits ticket reservation / reservation request information generated by the VoIP composite terminal 100 to an apparatus (or server) located near the VoIP composite terminal 100 via the optical communication medium. It is preferable to include a ticket mode for processing the ticket reservation / reservation.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium to process the ticket reservation / reservation. It is preferable to include a ticket mode.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the ticket reservation / reservation. It is preferable to include a ticket mode.

When the operation mode of the VoIP composite terminal 100 is switched to the ticket mode for each communication medium by the mode switching unit 135, the communication channel connection unit 125 reserves / reserves a ticket through the selected second communication medium. It is characterized by connecting the communication channel for processing the ticket reservation / reservation by transmitting the request information.

Here, the communication channel connection unit 125 transmits the ticket reservation / reservation request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wireless communication medium of a packet switched method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 125 transmits the ticket reservation / reservation request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 125 transmits the ticket reservation / reservation request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 125 transmits the ticket reservation / reservation request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short distance wired communication medium of a direct communication method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 125 connects the optical communication channel for transmitting the ticket reservation / reservation request information to the apparatus (or server) located at a short distance with the VoIP composite terminal 100 through an optical communication medium. desirable.

Alternatively, the communication channel connection unit 125 may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a server (or a device) on the communication network through a wired communication medium.

Alternatively, the communication channel connector 125 may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a server (or device) on the communication network through a wireless communication medium.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 125, the interface output unit 137 is configured for ticket reservation / booking processing through the second communication medium through the key input unit 110. Receives ticket reservation / reservation information (eg, reservation amount) and ticket reservation / reservation security information (eg, card password, platform OTP, etc.), and inputs card information read from a customer card through the card reader unit 105. Characterized in that the ticket reservation / booking interface for each communication medium received.

Here, the ticket reservation / reservation interface for each communication medium is the ticket reservation / reservation information (for example, the amount of the reservation) and ticket reservation / reservation for ticket reservation / reservation processing through the second communication medium through the key input unit 110 It is preferable to include a user interface for receiving security information (for example, card password, platform OTP, etc.), and preferably comprises a user interface for requesting to read the customer card through the card reader unit 105. .

If the customer card is an IC card and the card reader unit 105 includes an IC reader unit, the ticket reservation / reservation interface for each communication medium may include a password (eg, a PIN) included in the ticket reservation / reservation security information. Preferably through the user interface to confirm the validity of the IC card through.

According to another exemplary embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 125, Is connected, and the ticket reservation / reservation request information includes only the card information read from the customer card (for example, when using the VoIP composite terminal 100 as a card reader for the ticket reservation / reservation processing), The ticket reservation / reservation interface for each communication medium may include a part of a user interface for receiving ticket reservation / reservation information (eg, reservation amount) and ticket reservation / reservation security information (eg, card password, platform OTP, etc.). The present invention is not limited thereby.

After the ticket reservation / reservation interface for each communication medium is output by the interface output unit 137, the information input unit 140 transmits the ticket reservation / reservation information (for example, the reservation price) through the key input unit 110. And ticket reservation / advance security information (eg, card password, platform OTP, etc.).

According to another exemplary embodiment of the present invention, the ticket reservation / reservation information (eg, reservation amount) and ticket reservation / reservation security information (eg, card password, platform OTP, etc.) are input to the ticket reservation / reservation interface for each communication medium. When a part of the user interface is omitted, the information input unit 140 may not process inputting information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 105 based on the ticket reservation / booking interface for each communication medium, the information input unit 140 is linked with the card reader unit 105 to provide the card information. Characterized in that the input processing.

Referring to FIG. 1, the VoIP terminal 100 may be used for ticket reservation / reservation through selective payment (or financial transaction) processing according to reading the option board 123 and identifying a communication medium according to another embodiment of the present invention. ) Is a message receiving unit 127 for receiving a card transaction message from the first communication medium to which the VoIP terminal 100 is connected by the communication channel connection unit 125, and reading the received card transaction message to reserve a ticket. Message confirmation unit 130 to check whether the reservation information is included, and the first communication medium (or the card transaction message) confirmed by the communication medium confirmation unit 155 when the ticket reservation / reservation information is confirmed. The first communication medium information corresponding to the first communication medium) and checks the ticket reservation / advance information among the second communication medium information associated with the first communication medium information in association with the memory unit 115. Response A communication channel connecting an information confirming unit 133 for confirming information of the second communication medium and a communication channel for processing the ticket reservation / reservation through the confirmed second communication medium when the second communication medium is confirmed; When connecting the communication unit 125 and the communication channel through the second communication medium, the operation mode of the VoIP composite terminal 100 is switched to a ticket mode for each communication medium including the first communication medium information and the second communication medium information. The mode switch unit 135 and the key input unit 110 receive the ticket reservation / reservation security information for the ticket reservation / reservation processing through the second communication medium, and through the card reader 105 An interface output unit 137 for outputting a ticket reservation / reservation interface for each communication medium receiving card information read from a customer card, and the ticket reservation / reservation security information through the ticket reservation / reservation interface for each communication medium; The load information is characterized in that obtained by having the input processing information input unit 140.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 125, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 127 is connected to the message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connector 125. Accordingly, it is characterized in that a predetermined card transaction message for ticket reservation / reservation through option board 123 reading and selective payment (or financial transaction) processing according to communication medium identification is received.

When a predetermined card transaction message is received by the message receiving unit 127, the message checking unit 130 reads the received card transaction message and checks whether the ticket reservation / advance information is included.

According to the method of the present invention, the ticket reservation / reservation information included in the card transaction message, preferably comprises at least one or more reservation amount, PG identification information, ticket reservation / reservation page according to the intention of those skilled in the art Preferably, the URL information further includes at least one ticket reservation / reservation path code information.

When the message confirming unit 130 confirms that the card transaction message includes the ticket reservation / advance information, the information confirming unit 133 associates with the communication medium confirming unit 155 to transmit the card transaction message. Identify the first communication medium that has received the information, and verify at least one ticket processing information including communication medium switching information including first medium information in association with the memory unit 115, and the confirmed ticket processing information. Among the one or more pieces of second communication medium information included in the information, the second communication medium information corresponding to the ticket reservation / reservation information is characterized in that it is confirmed.

According to an exemplary embodiment of the present disclosure, the information checking unit 133 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 115. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the ticket reservation / advance information includes the ticket reservation / advance page URL, the information checking unit 133 may include information on communication media stored in the memory unit 115. Near field communication of the VoIP complex terminal 100, a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-range of the packet-switching method to communicate with the device (or server) connected to the ticket reservation / booking page It is preferable to automatically check any one of a wired communication medium, a short-range wired communication medium of a direct communication method, or an optical communication medium as the second communication medium, and according to the intention of the skilled person, the ticket reservation / advance page Even if a URL is included, a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected may be automatically confirmed as the second communication medium. The.

According to another exemplary embodiment of the present invention, when the ticket reservation / reservation information includes the ticket reservation / reservation path code information, the information checking unit 133 may communicate the communication medium information stored in the memory unit 115. Among the above, the wireless communication medium or wired communication medium corresponding to the ticket reservation / booking route code information, the short-range wireless communication medium of the packet-switching method, the short-range wireless communication medium of the direct communication method, the short-range wired communication medium of the packet switching method, Alternatively, it is preferable to automatically identify one of the communication media of a short distance wired communication medium or an optical communication medium of the direct communication method as the second communication medium.

When the second communication medium to process the ticket reservation / reservation is confirmed by the information confirming unit 133, the communication channel connection unit 125 processes the ticket reservation / reservation through the confirmed second communication medium. It characterized in that for connecting the communication channel.

Here, the communication channel connection unit 125 is a device (or server) located in the near field with the VoIP composite terminal 100 through the short-range wireless communication medium of the packet exchange method identified by the information checking unit 133. It is desirable to connect a short range wireless communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 125 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through a short range wireless communication medium of the direct communication method identified by the information checking unit 133. It is desirable to connect a short range wireless communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 125 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through the short-range wired communication medium of the packet exchange method identified by the information checking unit 133. It is desirable to connect a short distance wired communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 125 may be a device (or server) located at a short distance from the VoIP composite terminal 100 through a short-range wired communication medium of a direct communication method identified by the information checking unit 133. It is desirable to connect a short distance wired communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 125 requests the ticket reservation / reservation request to a device (or server) located in close proximity to the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 133. It is desirable to connect an optical communication channel for transmitting information.

Alternatively, the communication channel connection unit 125 connects a wide area communication channel for transmitting the ticket reservation / reservation request information to a server (or a device) on the communication network through a wired communication medium identified by the information checking unit 133. It is desirable to.

Alternatively, the communication channel connection unit 125 connects a wide area communication channel for transmitting the ticket reservation / reservation request information to a server (or a device) on the communication network through a wireless communication medium identified by the information checking unit 133. It is desirable to.

When the communication channel is connected through the second communication medium by the communication channel connection unit 125, the mode switching unit 135 receives the card transaction message in the operation mode of the VoIP composite terminal 100. Characterized in that the communication mode by the communication channel connection unit 125 is switched to the ticket mode for each communication medium including the second communication medium connected to the communication channel.

Here, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 via the packet-switched short-range wireless communication medium through the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Or, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 through the short-range wireless communication medium of the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium is a device that locates the ticket reservation / reservation request information generated in the VoIP composite terminal 100 and the VoIP composite terminal 100 in a short distance through a short-range wired communication medium of a packet exchange method ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Or, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 via the short-range wired communication medium of the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium transmits ticket reservation / reservation request information generated by the VoIP composite terminal 100 to an apparatus (or server) located near the VoIP composite terminal 100 via the optical communication medium. It is preferable to include a ticket mode for processing the ticket reservation / reservation.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium to process the ticket reservation / reservation. It is preferable to include a ticket mode.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the ticket reservation / reservation. It is preferable to include a ticket mode.

The communication channel connected to the communication channel through the second communication medium by the communication channel connecting unit 125, the operation mode of the VoIP composite terminal 100 by the mode switching unit 135 corresponding to the second communication medium When the mode is switched to the ticket mode, the interface output unit 137 via the key input unit 110, ticket reservation / reservation security information (e.g. card password, platform for ticket reservation / reservation processing through the second communication medium) OTP, etc.), and outputs a ticket reservation / advance interface for each communication medium that receives the card information read from the customer card through the card reader 105.

Here, the ticket reservation / reservation interface for each communication medium is ticket reservation / reservation security information (for example, card password, platform OTP, etc.) for ticket reservation / booking processing through the second communication medium through the key input unit 110 It is preferable to include a user interface for receiving the input, it is preferable to include a user interface for requesting to read the customer card through the card reader 105.

If the customer card is an IC card and the card reader unit 105 includes an IC reader unit, the ticket reservation / reservation interface for each communication medium may include a password (eg, a PIN) included in the ticket reservation / reservation security information. Preferably through the user interface to confirm the validity of the IC card through.

According to another exemplary embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 125, Is connected, and the ticket reservation / reservation request information includes only the card information read from the customer card (for example, when using the VoIP composite terminal 100 as a card reader for the ticket reservation / reservation processing), The ticket reservation / reservation interface for each communication medium may omit a user interface for receiving ticket reservation / reservation security information (eg, card password, platform OTP, etc.), and thus the present invention is not limited thereto.

After the ticket reservation / reservation interface for each communication medium is output by the interface output unit 137, the information input unit 140 transmits the ticket reservation / reservation security information (eg, a card) through the key input unit 110. Password, platform OTP, etc.).

According to another embodiment of the present invention, when the user interface for inputting the ticket reservation / reservation security information (eg, card password, platform OTP, etc.) to the ticket reservation / reservation interface for each communication medium is omitted, the information inputting unit 140 ) May not process the input information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 105 based on the ticket reservation / booking interface for each communication medium, the information input unit 140 is linked with the card reader unit 105 to provide the card information. Characterized in that the input processing.

Referring to FIG. 1, the VoIP composite terminal 100 includes at least one ticket input / booking information, ticket reservation / booking security information, and card information that has been processed, and reserves a ticket corresponding to the second communication medium. Information generation unit 143 for generating reservation request information, and an information transmission unit for transmitting the ticket reservation / reservation request information through a communication channel connected through the second communication medium when the ticket reservation / reservation request information is generated. 145 is provided.

When the card information is input and processed through the information input unit 140 and the ticket reservation / advance information and the ticket reservation / advance security information are input and processed according to an implementation method, the information generation unit 143 performs the input ticket reservation. / Ticket information / ticket reservation / reservation security information and at least one card information, characterized in that for generating the ticket reservation / reservation request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 125 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generation unit 143 may generate ticket reservation / reservation request information transmitted through the short-range wireless communication medium.

Alternatively, a communication channel through a short range wireless communication medium of a direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in a short distance by the communication channel connection unit 125. When connected, the information generation unit 143 preferably generates ticket reservation / reservation request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in a short distance by the communication channel connection unit 125. When connected, the information generation unit 143 preferably generates ticket reservation / reservation request information transmitted through the short-range wired communication medium of the packet exchange method.

Alternatively, a communication channel via a short-range wired communication medium of a direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in a short distance by the communication channel connection unit 125. When connected, the information generator 143 preferably generates ticket reservation / reservation request information transmitted through the short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 125 connects the VoIP composite terminal 100 to the VoIP composite terminal 100 and a device (or server) located in a short distance through an optical communication medium, the information is provided. The generation unit 143 preferably generates ticket reservation / reservation request information transmitted through the optical communication medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connector 125 through a wired communication medium, the information generator 143 communicates with the wired communication. It is desirable to generate ticket reservation / advance request information transmitted through the medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connection unit 125, the information generation unit 143 performs the wireless communication. It is desirable to generate ticket reservation / advance request information transmitted through the medium.

When the ticket reservation / reservation request information is generated by the information generation unit 143, the information transmission unit 145 transmits the ticket reservation / reservation request information through a communication channel connected through the second communication medium. It is characterized by.

The information transmitter 145 transmits the ticket reservation / reservation request information through a communication channel connected through the second communication medium, and includes at least one key data in ticket processing information including the second communication medium information. Is included, the information transmission unit 145 preferably transmits the ticket reservation / reservation request information by encrypting the key data.

Those skilled in the art will be familiar with the technical features of encrypting and transmitting the ticket reservation / reservation request information using at least one encryption key, and thus, a detailed description thereof will be omitted. Let's do it.

After the ticket reservation / reservation request information is transmitted by the information transmission unit 145 and the ticket reservation / reservation corresponding to the ticket reservation / reservation request information is processed, the ticket reservation is performed through the message receiver 127. It is preferable that a message including the reservation result information is received and output through the screen output unit 107.

Referring to Figure 1, the VoIP composite terminal 100 for charging electronic money through the optional payment (or financial transaction) processing according to the reading option board 123 and the communication medium identification according to an embodiment of the present invention When the electronic money charging menu is selected through the key input unit 110 among a plurality of menus output through the screen output unit 107, the communication medium checking unit 155 is linked with the memory unit 115. At least one or more second communication medium information included in the charging processing information including first medium information corresponding to the first communication medium (or the first communication medium to which the VoIP composite terminal 100 is currently connected) identified by Outputs a mode selection interface for selecting a second communication medium to process the charging of the electronic money from the information checking unit 133 for checking the electronic communication, and the electronic money charging target through the key input unit 110; 2nd When the communication medium is selected, the mode switching unit 135 for switching the operation mode of the VoIP composite terminal 100 to the charging mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information, and communication When switching to the charging mode for each medium, the communication channel connection unit 125 for connecting the communication channel for processing the electronic money charging through the selected second communication medium, and the key when connecting the communication channel through the second communication medium, Receives electronic money charging information and electronic money charging security information for the electronic money charging processing through the second communication medium through the input unit 110, the card information read from the customer card through the card reader 105 An interface output unit 137 for outputting an electronic money charging interface for each communication medium received and the electronic money charging information and the electronic currency through the electronic money charging interface for each communication medium; Characterized in that it comprises an information input unit 140 for input processing the closed charge security information and card information.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one of a payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 107. Outputs a plurality of menus, and when the electronic money charging menu is selected from the plurality of menus through the key input unit 110, the information checking unit 133 is checked by the communication medium checking unit 155. A first communication medium corresponding to a first communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected), and a communication medium including first medium information in association with the memory unit 115; And at least one charging processing information including the switching information and at least one second communication medium information included in the checked charging processing information.

When the at least one second communication medium information is confirmed by the information checking unit 133, the mode switching unit 135 is connected to the screen output unit 107 and the at least one or more second communication media confirmed. And a mode selection interface for selecting a second communication medium to process the electronic money charging, and when selecting the second communication medium to be charged with the electronic money through the key input unit 110, the VoIP composite terminal ( The operation mode 100 may be switched to a charging mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the charging mode for each communication medium is a device (or device) located near the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for the electronic money charging request information generated by the VoIP complex terminal 100 (or Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium is an apparatus (or device) located near the VoIP complex terminal 100 via the short-range wireless communication medium of the electronic money charging request information generated by the VoIP complex terminal 100 (or a direct communication method). Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium is a device (or device) that is located at a short distance from the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for electronic money charging request information generated by the VoIP complex terminal 100. Server) and a charging mode for processing the electronic waste charging.

Or, the charging mode for each communication medium is a device (or device) located near the VoIP composite terminal 100 via the short-range wired communication medium of the electronic money charging request information generated in the VoIP composite terminal 100 (or direct communication method) (or Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium transmits the electronic money charging request information generated by the VoIP composite terminal 100 to an apparatus (or server) located near the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a charging mode for processing the electronic money charging.

Alternatively, in the charging mode for each communication medium, a charging mode for processing the electronic money charging by transmitting the electronic money charging request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium. It is preferable to comprise a.

Alternatively, in the charging mode for each communication medium, a charging mode for processing the electronic money charging by transmitting the electronic money charging request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium. It is preferable to comprise a.

When the operation mode of the VoIP composite terminal 100 is switched to the charging mode for each communication medium by the mode switching unit 135, the communication channel connection unit 125 requests to charge the electronic money through the selected second communication medium. It is characterized by connecting a communication channel for processing the electronic money charging by transmitting information.

Here, the communication channel connection unit 125 transmits the electronic money charging request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wireless communication medium of a packet switched method. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 125 transmits the electronic money charging request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 125 transmits the electronic money charging request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 125 transmits the electronic money charging request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short distance wired communication medium of a direct communication method. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 125 may connect an optical communication channel for transmitting the electronic money charging request information to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. Do.

Alternatively, the communication channel connection unit 125 may connect a wide area communication channel for transmitting the electronic money charging request information to a server (or device) on the communication network through a wired communication medium.

Alternatively, the communication channel connector 125 may connect a wide area communication channel for transmitting the electronic money charging request information to a server (or a device) on the communication network through a wireless communication medium.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connector 125, the interface output unit 137 uses the key input unit 110 to perform the electronic money charging process through the second communication medium. Communication medium that receives money charging information (eg, amount of charge) and electronic money charging security information (eg, card password, platform OTP, etc.), and reads card information read from a customer card through the card reader unit 105. Characterized by outputting the electronic money charging interface.

Here, the electronic money charging interface for each communication medium may include electronic money charging information (for example, charging amount) and electronic money charging security information (for example, charging amount) for the electronic money charging process through the key input unit 110 through the second communication medium. , Card password, platform OTP, etc.) is preferably included, and preferably includes a user interface for requesting reading of the customer card through the card reader 105.

If the customer card is an IC card and the card reader unit 105 includes an IC reader unit, the electronic money charging interface for each communication medium may be entered through a password (eg, a PIN) included in the electronic money charging security information. It is preferable to further comprise a user interface for confirming the validity of the IC card.

According to another exemplary embodiment of the present invention, a device (or server) located in close proximity to the VoIP composite terminal 100 and a short range wireless communication channel or a short distance wired communication channel or optical communication by the communication channel connection unit 125. When the channel is connected and the electronic money charging request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the electronic money charging process), The electronic money charging interface for each communication medium may omit some of the user interface for receiving electronic money charging information (for example, the amount of charge) and electronic money charging security information (for example, card password, platform OTP, etc.). The invention is not limited.

After the electronic money charging interface for each communication medium is output by the interface output unit 137, the information input unit 140 transmits the electronic money charging information (eg, the amount of charge) and the electronic value through the key input unit 110. Characterized in that the input charging security information (for example, card password, platform OTP).

According to another embodiment of the present invention of the user interface for receiving the electronic money charging information (for example, the amount of charge) and electronic money charging security information (for example, card password, platform OTP, etc.) to the electronic money charging interface for each communication medium If a part is omitted, the information input unit 140 may not process inputting information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 105 based on the electronic money charging interface for each communication medium, the information input unit 140 connects the card information with the card reader unit 105. Characterized in that the input processing.

Referring to Figure 1, the VoIP composite terminal 100 for charging the electronic money through the optional payment (or financial transaction) processing according to the reading option board 123 and communication medium identification according to another embodiment of the present invention Is a message receiving unit 127 for receiving a card transaction message from a first communication medium to which the VoIP composite terminal 100 is connected by the communication channel connection unit 125, and reading the received card transaction message to charge electronic money. Message confirmation unit 130 for confirming that the information is included, and the first communication medium (or the first received the card transaction message) confirmed by the communication medium confirmation unit 155 when the electronic money charging information is confirmed Communication information corresponding to the first electronic communication device and check the first communication medium information corresponding to the electronic money charging information among the second communication medium information linked to the first communication medium information in association with the memory unit 115. A communication channel connection unit connecting an information confirmation unit 133 for confirming second communication medium information and a communication channel for processing the electronic money charging through the identified second communication medium when the second communication medium is checked ( 125) and a mode for switching the operation mode of the VoIP composite terminal 100 to a charging mode for each communication medium including the first communication medium information and the second communication medium information when the communication channel is connected through the second communication medium. Receiving electronic money charging security information for the electronic money charging processing through the second communication medium through the switching unit 135 and the key input unit 110, reading from the customer card through the card reader 105 An interface output unit 137 for outputting an electronic money charging interface for each communication medium receiving the received card information, and the electronic money charging security information and the card information through the electronic money charging interface for each communication medium; And an information input unit 140 for inputting the process is characterized in that formed.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 125, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 127 is connected to the message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connector 125. Accordingly, the predetermined board transaction message for charging the electronic money through the option board 123 reading and selective payment (or financial transaction) processing according to the communication medium identification is received.

When a predetermined card transaction message is received by the message receiving unit 127, the message checking unit 130 reads the received card transaction message and checks whether the electronic money charging information is included.

According to an embodiment of the present invention, the electronic money charging information included in the card transaction message preferably comprises at least one charge amount, and according to the intention of those skilled in the art, PG identification information and electronic money charging page URL information. And electronic money charging path code information.

When it is confirmed by the message confirming unit 130 that the electronic money charging information is included in the card transaction message, the information confirming unit 133 associates the card transaction message with the communication medium confirming unit 155. Confirm the received first communication medium, check at least one charging process information including communication medium switching information including first media information in association with the memory unit 115, Among the at least one second communication medium information included, the second communication medium information corresponding to the electronic money charging information is confirmed.

According to an exemplary embodiment of the present disclosure, the information checking unit 133 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 115. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the electronic money charging information includes the URL of the electronic money charging page, the information checking unit 133 may be configured to store the VoIP information among communication medium information stored in the memory unit 115. A near field communication device of a packet switched type, a short distance wireless communication medium of a direct communication type, and a short distance wired communication medium of a packet exchange type that communicate with a device (or a server) connected to the electronic money charging page near the composite terminal 100. , Or it is preferable to automatically check any one of a short distance wired communication medium or an optical communication medium of the direct communication method as the second communication medium, and the electronic money charging page URL is included according to the intention of a person skilled in the art. Even if the VoIP communication terminal 100 is connected to the wireless communication medium or wired communication medium may be automatically confirmed as the second communication medium. .

According to another exemplary embodiment of the present disclosure, when the electronic money charging information includes the electronic money charging path code information, the information checking unit 133 may include information on the communication medium stored in the memory unit 115. A wireless communication medium or wired communication medium corresponding to the electronic money charging path code information, a near field wireless communication medium of a packet switched method, a near field wireless communication medium of a direct communication method, a short distance wired communication medium of a packet switched method, or direct communication It is preferable to automatically identify the communication medium of any one of a short-range wired communication medium or an optical communication medium as the second communication medium.

When the second communication medium to process the electronic money charging is confirmed by the information confirming unit 133, the communication channel connection unit 125 communicates to process the electronic money charging through the identified second communication medium. It is characterized by connecting the channel.

Here, the communication channel connection unit 125 is a device (or server) located in the near field with the VoIP composite terminal 100 through the short-range wireless communication medium of the packet exchange method identified by the information confirming unit 133. It is preferable to connect a short-range wireless communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 125 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through a short range wireless communication medium of the direct communication method identified by the information checking unit 133. It is preferable to connect a short-range wireless communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 125 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through the short-range wired communication medium of the packet exchange method identified by the information checking unit 133. It is preferable to connect a short-range wired communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 125 may be a device (or server) located at a short distance from the VoIP composite terminal 100 through a short-range wired communication medium of a direct communication method identified by the information checking unit 133. It is preferable to connect a short-range wired communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 125 requests the charging of the electronic money to a device (or server) located in close proximity to the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 133. It is desirable to connect an optical communication channel for transmitting information.

Alternatively, the communication channel connecting unit 125 connects a wide area communication channel for transmitting the electronic money charging request information to a server (or device) on the communication network through a wired communication medium identified by the information checking unit 133. It is preferable.

Alternatively, the communication channel connecting unit 125 connects a wide area communication channel for transmitting the electronic money charging request information to a server (or device) on the communication network through a wireless communication medium identified by the information checking unit 133. It is preferable.

When the communication channel is connected through the second communication medium by the communication channel connection unit 125, the mode switching unit 135 receives the card transaction message in the operation mode of the VoIP composite terminal 100. And a charging mode for each communication medium including information and second communication medium information connected to the communication channel by the communication channel connection unit 125.

Here, the charging mode for each communication medium is a device (or device) located near the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for the electronic money charging request information generated by the VoIP complex terminal 100 (or Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium is an apparatus (or device) located near the VoIP complex terminal 100 via the short-range wireless communication medium of the electronic money charging request information generated by the VoIP complex terminal 100 (or a direct communication method). Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium is a device (or device) that is located at a short distance from the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for electronic money charging request information generated by the VoIP complex terminal 100. Server) and a charging mode for processing the electronic money charging.

Or, the charging mode for each communication medium is a device (or device) located near the VoIP composite terminal 100 via the short-range wired communication medium of the electronic money charging request information generated in the VoIP composite terminal 100 (or direct communication method) (or Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium transmits the electronic money charging request information generated by the VoIP composite terminal 100 to an apparatus (or server) located near the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a charging mode for processing the electronic money charging.

Alternatively, in the charging mode for each communication medium, a charging mode for processing the electronic money charging by transmitting the electronic money charging request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium. It is preferable to comprise a.

Alternatively, in the charging mode for each communication medium, a charging mode for processing the electronic money charging by transmitting the electronic money charging request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium. It is preferable to comprise a.

The communication channel connected to the communication channel through the second communication medium by the communication channel connecting unit 125, the operation mode of the VoIP composite terminal 100 by the mode switching unit 135 corresponding to the second communication medium When the charging mode is switched to each other, the interface output unit 137 via the key input unit 110, the electronic money charging security information for the electronic money charging processing through the second communication medium (for example, card password, platform OTP, etc.) ) Is input, and the electronic money charging interface for each communication medium receiving card information read from the customer card through the card reader unit 105 is output.

Here, the electronic money charging interface for each communication medium receives electronic money charging security information (for example, card password, platform OTP, etc.) for charging electronic money through the second communication medium through the key input unit 110. It is preferable to include a user interface, and preferably comprises a user interface for requesting to read the customer card through the card reader unit 105.

If the customer card is an IC card and the card reader unit 105 includes an IC reader unit, the electronic money charging interface for each communication medium may be entered through a password (eg, a PIN) included in the electronic money charging security information. It is preferable to further comprise a user interface for confirming the validity of the IC card.

According to another exemplary embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 125, Is connected, and the electronic money charging request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the electronic money charging process). The electronic money charging interface for each medium may omit a user interface for receiving electronic money charging security information (eg, card password, platform OTP, etc.), and the present invention is not limited thereto.

After the electronic money charging interface for each communication medium is output by the interface output unit 137, the information input unit 140 via the key input unit 110, the electronic money charging security information (for example, card password, platform) OTP, etc.).

According to another embodiment of the present invention, when the user interface for receiving the electronic money charging security information (for example, card password, platform OTP, etc.) is omitted from the electronic money charging interface for each communication medium, the information input unit 140 The information corresponding to the omitted user interface may not be inputted, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 105 based on the electronic money charging interface for each communication medium, the information input unit 140 connects the card information with the card reader unit 105. Characterized in that the input processing.

Referring to FIG. 1, the VoIP composite terminal 100 includes at least one of the input electronic money charging information, electronic money charging security information, and card information, and requests for electronic money charging corresponding to the second communication medium. An information generator 143 for generating information and an information transmitter 145 for transmitting the electronic money charging request information through a communication channel connected through the second communication medium when the electronic money charging request information is generated. Characterized in that made.

When the card information is input and processed through the information input unit 140 and the electronic money charging information and the electronic money charging security information are input and processed according to an implementation method, the information generating unit 143 performs the input processing of the electronic money charging information. And at least one electronic money charging security information and card information to generate electronic money charging request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 125 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generation unit 143 may generate electronic money charging request information transmitted through the short-range wireless communication medium of the packet exchange method.

Alternatively, a communication channel through a short range wireless communication medium of a direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in a short distance by the communication channel connection unit 125. When connected, the information generation unit 143 preferably generates electronic money charging request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in a short distance by the communication channel connection unit 125. When connected, the information generator 143 preferably generates electronic money charging request information transmitted through the short-range wired communication medium of the packet exchange method.

Alternatively, a communication channel via a short-range wired communication medium of a direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in a short distance by the communication channel connection unit 125. When connected, the information generator 143 preferably generates electronic money charging request information transmitted through the short-range wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 125 connects the VoIP composite terminal 100 to the VoIP composite terminal 100 and a device (or server) located in a short distance through an optical communication medium, the information is provided. The generation unit 143 preferably generates electronic money charging request information transmitted through the optical communication medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connector 125 through a wired communication medium, the information generator 143 communicates with the wired communication. It is preferable to generate the electronic money charging request information transmitted through the medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connection unit 125, the information generation unit 143 performs the wireless communication. It is preferable to generate the electronic money charging request information transmitted through the medium.

When the electronic money charging request information is generated by the information generating unit 143, the information transmitting unit 145 transmits the electronic money charging request information through a communication channel connected through the second communication medium. It is done.

When the information transmitter 145 transmits the electronic money charging request information through a communication channel connected through the second communication medium, at least one key data is included in the charging processing information including the second communication medium information. When included, the information transmitter 145 preferably transmits the electronic money charging request information by encrypting the key data.

Those skilled in the art will be familiar with the technical features of encrypting and transmitting the electronic money charging request information through at least one or more encryption keys, so a detailed description thereof will be omitted for convenience. Shall be.

After the electronic money charging request information is transmitted by the information transmitting unit 145 and the electronic money charging corresponding to the electronic money charging request information is processed, the electronic money charging result information through the message receiving unit 127. Preferably, a message including a received message is output through the screen output unit 107.

Referring to Figure 1, the VoIP composite terminal 100 for charging the electronic money through the option board 123 reading and selective payment (or financial transaction) processing according to the communication medium identification according to the embodiment of the present invention, An interface unit 160 providing a communication channel between the VoIP composite terminal 100 and the option board 123, and an option board 123 connected to the VoIP composite terminal 100 in association with the interface unit 160; Option board check unit 163 for checking the state and the provided function of the wireless communication unit 180, the wireless communication unit for controlling the initialization and operation of the wireless communication function, if the wireless communication unit 180 is provided on the option board 123 If the control unit 165 and the wired communication unit 183 is provided on the option board 123, a wired communication control unit 167 for controlling the initialization and operation of the wired communication function, and the option board 123 When the optical communication unit 185 is provided on the When the optical communication control unit 170 and the security application module 187 (SAM) are provided on the option board 123 to control the initialization and operation of the optical communication function, the security application module 187 When the security application module 187 controls the initialization and operation of the control unit 173 and the card interface unit 190 on the option board 123, initialization and initialization of the card interface unit 190. And a card interface controller 175 for controlling the operation.

When the interface unit 160 requires at least one function configuration provided on the option board 123 in the operation process of the VoIP composite terminal 100 according to the function configuration on the VoIP composite terminal 100, the VoIP As a communication channel between the composite terminal 100 and the option board 123, the physical connection between the VoIP composite terminal 100 and the option board 123 is preferred.

The option board checking unit 163 is connected to the VoIP composite terminal 100 and the option board 123 according to the function configuration on the VoIP composite terminal 100 (that is, on the VoIP composite terminal 100). After connecting the connection connector and the like provided in a predetermined region), characterized in that at least one or more functional configuration provided on the option board 123, a plurality of functions provided on the option board 123 According to the configuration, it is preferable to initialize the function configuration provided on the option board 123 in association with each function control unit.

According to one embodiment of the invention, at least one or more functional configuration checks provided on the option board 123, at least one provided on the option board 123 in a predetermined area on the option board 123. It is preferable to confirm using an option switch or the like for the above-described functional configuration, and it is preferable to use at least one bit or more information for each functional configuration.

For example, when one bit is provided in the order listed corresponding to the wireless communication unit 180, the wired communication unit 183, the optical communication unit 185, the security application module 187, and the card interface unit 190, the wired communication unit, The option board 123 having only the security application module 187 and the card interface unit 190 preferably provides information on the option board 123 denoted by 01011.

According to another exemplary embodiment of the present invention, at least one or more functional configuration checks provided on the option board 123 may include version information of the option board 123 in a predetermined area on the option board 123. In accordance with the version information, it is preferable to check whether each function configuration is included.

According to another embodiment of the present invention, at least one or more functional configuration checks provided on the option board 123, the wireless communication control unit for controlling each functional configuration provided on the option board (123) The option board controller 120 includes at least one of a wired communication controller 167, an optical communication controller 170, a security application module 187, a controller 173, and a card interface controller 175. If a specific message is not received from the option board 123 after transmitting a predetermined message on the 123, the control function included on the option board controller 120 is included on the option board 123. It is preferable to confirm that it is not.

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method for providing information on at least one or more functional configurations provided on the option board 123, Description is omitted for convenience.

When it is confirmed that the wireless communication unit 180 is provided on the option board 123, the wireless communication control unit 165 may control initialization and overall operation of the wireless communication function, and the option board 123 may be used. Program routines (Routine) or program data for the initialization and overall operation of the wireless communication unit 180 provided on the) may be provided on the VoIP composite terminal 100 or the option board 123.

According to one embodiment of the invention, when it is confirmed that the wireless communication unit 180 is provided on the option board 123, the wireless communication control unit 165 is a wireless communication unit provided on the option board 123 It is preferable to provide a program routine or program data provided on the option board 123 to the wireless communication unit 180 provided on the option board 123 to initialize the operation of the 180, and the wireless communication unit 180. Depending on the function provided on the) may not need a program routine or program data for initializing the operation of the wireless communication unit 180.

According to another exemplary embodiment of the present invention, when it is confirmed that the wireless communication unit 180 is provided on the option board 123, the wireless communication control unit 165 is provided wirelessly on the option board 123. In order to initialize the operation of the communication unit 180, it is preferable to provide a program routine or program data provided on the VoIP composite terminal 100 to the wireless communication unit 180 provided on the option board 123.

According to an exemplary embodiment of the present invention, the wireless communication controller 165 receives an operation request through the wireless communication unit 180 before the function of the wireless communication unit 180 provided on the option board 123 is initialized. In this case, after temporarily storing at least one or more information (or data) to be provided to the wireless communication unit 180, it is preferable to process through the wireless communication unit 180 when the wireless communication unit 180 is activated.

According to another exemplary embodiment of the present invention, the wireless communication controller 165 requests an operation through the wireless communication unit 180 before the function of the wireless communication unit 180 provided on the option board 123 is initialized. When receiving, it is preferable to delete at least one or more information (or data) to be provided to the wireless communication unit 180.

According to another exemplary embodiment of the present invention, the wireless communication controller 165 requests an operation through the wireless communication unit 180 before the function of the wireless communication unit 180 provided on the option board 123 is initialized. When receiving the, it is preferable to limit the generation of at least one or more information (or data) to be provided to the wireless communication unit 180 (that is, limiting the use of the wireless communication function by notifying that the wireless communication unit 180 is not present).

When it is confirmed that the wired communication controller 167 is provided with the wired communication unit 183 on the option board 123, the wired communication controller 167 controls the initialization and the overall operation of the wired communication function, and the option board 123 The program routine or program data for initialization and overall operation of the wired communication unit 183 may be provided on the VoIP composite terminal 100 or the option board 123.

According to one embodiment of the present invention, when it is confirmed that the wired communication unit 183 is provided on the option board 123, the wired communication control unit 167 is a wired communication unit provided on the option board 123. It is preferable to provide a program routine or program data provided on the option board 123 to the wired communication unit 183 provided on the option board 123 to initialize operation of the operation 183, and wired communication unit 183. Depending on the function provided on the) may not require a program routine or program data for initializing the operation of the wired communication unit 183.

According to another exemplary embodiment of the present invention, when it is confirmed that the wired communication unit 183 is provided on the option board 123, the wired communication control unit 167 is provided on the option board 123. In order to initialize the operation of the wired communication unit 183, it is preferable to provide a program routine or program data provided on the VoIP composite terminal 100 to the wired communication unit 183 provided on the option board 123.

According to an exemplary embodiment of the present invention, the wired communication controller 167 receives an operation request through the wired communication unit 183 before the function of the wired communication unit 183 provided on the option board 123 is initialized. In this case, it is preferable to temporarily store at least one or more information (or data) to be provided to the wired communication unit 183 and then process the wired communication unit 183 when the wired communication unit 183 is activated.

According to another exemplary embodiment of the present invention, the wired communication control unit 167 requests an operation through the wired communication unit 183 before the function of the wired communication unit 183 provided on the option board 123 is initialized. When receiving, it is preferable to delete at least one or more information (or data) to be provided to the wired communication unit 183.

According to another exemplary embodiment of the present invention, the wired communication controller 167 requests an operation through the wired communication unit 183 before the function of the wired communication unit 183 provided on the option board 123 is initialized. When receiving the, it is preferable to limit the generation of at least one or more information (or data) to be provided to the wired communication unit 183 (that is, the restriction of the use of the wired communication function by notifying that there is no wired communication unit 183).

When it is confirmed that the optical communication unit 185 is provided on the option board 123, the optical communication control unit 170 controls the initialization and overall operation of the wired communication function, and the option board 123 The program routine or program data for the initialization and the overall operation of the optical communication unit 185 provided on the) may be provided on the VoIP composite terminal 100 or the option board 123.

According to one embodiment of the present invention, when it is confirmed that the optical communication unit 185 is provided on the option board 123, the optical communication control unit 170 is an optical communication unit provided on the option board 123 It is preferable to provide a program routine or program data provided on the option board 123 to the optical communication unit 185 provided on the option board 123 to initialize the operation of the operation 185, and the optical communication unit 185 Depending on the functions provided on the), a program routine or program data for initializing the operation of the optical communication unit 185 may not be required.

According to another exemplary embodiment of the present invention, when it is confirmed that the optical communication unit 185 is provided on the option board 123, the optical communication control unit 170 is provided with light provided on the option board 123. In order to initialize the operation of the communication unit 185, it is preferable to provide a program routine or program data provided on the VoIP composite terminal 100 to the optical communication unit 185 provided on the option board 123.

According to the exemplary embodiment of the present invention, the optical communication controller 170 receives an operation request through the optical communication unit 185 before the function of the optical communication unit 185 provided on the option board 123 is initialized. In this case, it is preferable to temporarily store at least one or more information (or data) to be provided to the optical communication unit 185, and then process the optical communication unit 185 when the optical communication unit 185 is activated.

According to another exemplary embodiment of the present invention, the optical communication control unit 170 requests an operation through the optical communication unit 185 before the function of the optical communication unit 185 provided on the option board 123 is initialized. When receiving, it is preferable to delete at least one or more information (or data) to be provided to the optical communication unit 185.

According to another exemplary embodiment of the present invention, the optical communication control unit 170 requests operation through the optical communication unit 185 before the function of the optical communication unit 185 provided on the option board 123 is initialized. When receiving the, it is preferable to limit the generation of at least one or more information (or data) to be provided to the optical communication unit 185 (that is, limiting use of the optical communication function by notifying that the optical communication unit 185 is not present).

If it is confirmed that the security application module 187 control unit 173 is provided with a security application module 187 (SAM) on the option board 123, the initialization and overall operation of the security application module 187 function It characterized in that the control, the program routine (Routine) or program data for the initialization and overall operation of the security application module 187 provided on the option board 123 is the VoIP composite terminal 100 or the option It may be provided on the board (123).

According to one embodiment of the invention, when it is confirmed that the security application module 187 is provided on the option board 123, the security application module 187 control unit 173 is on the option board 123 It is to provide a program routine or program data provided on the option board 123 to the security application module 187 provided on the option board 123 to initialize the operation of the security application module 187 provided in the Preferably, a program routine or program data for initializing the operation of the security application module 187 may not be necessary depending on a function provided on the security application module 187.

According to another embodiment of the present invention, when it is confirmed that the security application module 187 is provided on the option board 123, the security application module 187 control unit 173 is the option board 123 Provides a program routine or program data provided on the VoIP composite terminal 100 to the security application module 187 provided on the option board 123 to initialize the operation of the security application module 187 provided on the system. It is desirable to.

According to an embodiment of the present invention, the security application module 187 control unit 173 is the security application module 187 before the function of the security application module 187 provided on the option board 123 is initialized. When receiving the operation request through, temporarily storing at least one or more information (or data) to be provided to the security application module 187, when the security application module 187 is activated the security application module 187 It is preferable to process through.

According to another exemplary embodiment of the present invention, the security application module 187 control unit 173 is a security application module 187 before the function of the security application module 187 provided on the option board 123 is initialized. When receiving the operation request through the), it is preferable to delete at least one or more information (or data) to be provided to the security application module 187.

According to another embodiment of the present invention, the security application module 187 control unit 173 is a security application module (before the function of the security application module 187 provided on the option board 123 is initialized ( When receiving the operation request through 187, the generation of at least one or more information (or data) to be provided to the security application module 187 (that is, the security application module 187 notifies that there is no security application module ( 187) restrictions on the use of the function).

When it is confirmed that the card interface unit 190 is provided on the option board 123, the card interface controller 175 controls the initialization and overall operation of the card interface function. Program routines or program data for the initialization and overall operation of the card interface provided on the 123 may be provided on the VoIP composite terminal 100 or the option board 123.

According to one embodiment of the invention, when it is confirmed that the card interface unit 190 is provided on the option board 123, the card interface control unit 175 is a card provided on the option board 123 In order to initialize the operation of the interface unit 190, a program routine or program data provided on the option board 123 may be provided to the card interface unit 190 provided on the option board 123. Depending on the functions provided on the interface unit 190, a program routine or program data for initializing the operation of the card interface unit 190 may not be required.

According to another exemplary embodiment of the present invention, when it is confirmed that the card interface unit 190 is provided on the option board 123, the card interface controller 175 is provided on the option board 123. In order to initialize the operation of the card interface unit 190, it is preferable to provide a program routine or program data provided on the VoIP composite terminal 100 to the card interface unit 190 provided on the option board 123. .

According to the exemplary embodiment of the present invention, the card interface controller 175 requests an operation through the card interface unit 190 before the function of the card interface unit 190 provided on the option board 123 is initialized. In the case of receiving a message, after temporarily storing at least one or more information (or data) to be provided to the card interface unit 190, and processing the card interface unit 190 when the card interface unit 190 is activated. desirable.

According to another exemplary embodiment of the present invention, the card interface controller 175 operates through the card interface unit 190 before the function of the card interface unit 190 provided on the option board 123 is initialized. When receiving the request, it is preferable to delete at least one or more information (or data) to be provided to the card interface unit 190.

According to another exemplary embodiment of the present invention, the card interface controller 175 is provided through the card interface unit 190 before the function of the card interface unit 190 provided on the option board 123 is initialized. In case of receiving an operation request, limiting generation of at least one or more information (or data) to be provided to the card interface unit 190 (that is, limiting use of the card interface function by notifying that the card interface unit 190 is not present). It is preferable.

2 is a diagram illustrating a process of initializing a wireless communication function after confirming the wireless communication function included in the option board 123 according to the embodiment of the present invention.

More specifically, FIG. 2 confirms whether the wireless communication function is included among the functions of the option board 123 mounted on the VoIP composite terminal 100 shown in FIG. 1, and the wireless communication function is included when the wireless communication function is included. A process of initializing a function and setting a search for a communication medium to be shown below will be described. If a person having general technical knowledge in the technical field to which the present invention belongs, the option board will be referred to and / or modified with reference to FIG. After confirming the wireless communication function mounted at 123, various implementation methods for the process of initializing the wireless communication function may be inferred. However, the present invention includes all the inferred implementation methods. The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 2, the terminal deactivates the wireless communication function (200) and checks whether the wireless communication function is included on the inserted option board 123 (205).

According to one embodiment of the invention, at least one or more functional configuration checks provided on the option board 123, at least one or more provided on the option board 123 in a predetermined area on the option board 123 It is preferable to confirm using an option switch or the like for the functional configuration, and it is preferable to use at least one bit or more information for each functional configuration.

For example, when one bit is provided in the order listed corresponding to the wireless communication unit 180, the wired communication unit 183, the optical communication unit 185, the security application module 187, and the card interface unit 190, the wired communication unit, The option board 123 having only the security application module 187 and the card interface unit 190 preferably provides information on the option board 123 denoted by 01011.

According to another exemplary embodiment of the present invention, at least one or more functional configuration checks provided on the option board 123 may include version information of the option board 123 in a predetermined area on the option board 123. In accordance with the version information, it is preferable to check whether each function configuration is included.

According to another embodiment of the present invention, at least one or more functional configuration checks provided on the option board 123, the wireless communication control unit for controlling each functional configuration provided on the option board (123) The option board controller 120 includes at least one of a wired communication controller 167, an optical communication controller 170, a security application module 187, a controller 173, and a card interface controller 175. If a specific message is not received from the option board 123 after transmitting a predetermined message on the 123, the control function included on the option board controller 120 is not included on the option board 123. It is desirable to confirm that no.

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method for providing information on at least one or more functional configurations provided on the option board 123, Description is omitted for convenience.

If the wireless communication function is included on the option board 123 (210), the terminal reads a program routine (or program data) for operating the wireless communication function from the option board 123 (or the terminal). Thereafter, in step 215, the read program routine (or program data) is transmitted to the option board 123 to initialize the wireless communication function (220), and it is checked whether or not the initialization is completed (225).

According to one embodiment of the invention, when it is confirmed that the wireless communication unit 180 is provided on the option board 123, the wireless communication control unit 165 is a wireless communication unit provided on the option board 123 It is preferable to provide a program routine or program data provided on the option board 123 to the wireless communication unit 180 provided on the option board 123 to initialize the operation of the 180, and the wireless communication unit 180. Depending on the function provided on the), the program routine or program data for initializing the operation of the wireless communication unit 180 may not be required.

According to another exemplary embodiment of the present invention, when it is confirmed that the wireless communication unit 180 is provided on the option board 123, the wireless communication control unit 165 is provided wirelessly on the option board 123. In order to initialize the operation of the communication unit 180, it is preferable to provide a program routine or program data provided on the VoIP composite terminal 100 to the wireless communication unit 180 provided on the option board 123.

According to an exemplary embodiment of the present invention, the wireless communication controller 165 receives an operation request through the wireless communication unit 180 before the function of the wireless communication unit 180 provided on the option board 123 is initialized. In this case, after temporarily storing at least one or more information (or data) to be provided to the wireless communication unit 180, it is preferable to process through the wireless communication unit 180 when the wireless communication unit 180 is activated.

According to another exemplary embodiment of the present invention, the wireless communication controller 165 requests an operation through the wireless communication unit 180 before the function of the wireless communication unit 180 provided on the option board 123 is initialized. When receiving, it is preferable to delete at least one or more information (or data) to be provided to the wireless communication unit 180.

According to another exemplary embodiment of the present invention, the wireless communication controller 165 requests an operation through the wireless communication unit 180 before the function of the wireless communication unit 180 provided on the option board 123 is initialized. When receiving the, it is preferable to limit the generation of at least one or more information (or data) to be provided to the wireless communication unit 180 (that is, limiting the use of the wireless communication function by notifying that the wireless communication unit 180 is not present).

If the initialization of the wireless communication function is completed (230), the terminal activates the wireless communication function and sets to use the wireless communication function in the subsequent terminal operation process (235).

Here, even after the initialization of the wireless communication function is completed, it is preferable to periodically monitor the wireless communication function to check whether the wireless communication function can be operated.

In addition, when the initialization is not performed for a predetermined time in the wireless communication function initialization process, it is preferable to set the wireless communication function not to be activated, or to repeat the wireless communication function initialization process a predetermined number of times. It is preferable to treat the error as a wireless communication function included in the option board 123.

3 is a diagram illustrating a process of initializing the wired communication function after confirming the wired communication function included in the option board 123 according to the embodiment of the present invention.

In more detail, FIG. 3 confirms whether wired communication function is included among the functions of the option board 123 mounted on the VoIP composite terminal 100 shown in FIG. 1, and when the wired communication function is included, the wired communication. A process of initializing a function and setting a search for a communication medium to be illustrated below will be described. If a person having ordinary technical knowledge in the technical field to which the present invention belongs, the option board will be referred to and / or modified with reference to FIG. After confirming the wired communication function mounted in 123, various implementation methods for the process of initializing the wired communication function may be inferred, but the present invention includes all the inferred implementation methods, and FIG. 3 The technical features are not limited only to the implementation method shown in FIG.

3, the VoIP composite terminal 100 shown in FIG. 1 will be referred to as " terminal "

Referring to FIG. 3, the terminal deactivates the wired communication function (t00) and checks whether the wired communication function is included on the inserted option board 123 (t05).

According to one embodiment of the invention, at least one or more functional configuration checks provided on the option board 123, at least one provided on the option board 123 in a predetermined area on the option board 123. It is preferable to confirm using an option switch or the like for the above-described functional configuration, and it is preferable to use at least one bit or more information for each functional configuration.

For example, when one bit is provided in the order listed corresponding to the wireless communication unit 180, the wired communication unit 183, the optical communication unit 185, the security application module 187, and the card interface unit 190, the wired communication unit, The option board 123 having only the security application module 187 and the card interface unit 190 preferably provides information on the option board 123 denoted by 01011.

According to another exemplary embodiment of the present invention, at least one or more functional configuration checks provided on the option board 123 may include version information of the option board 123 in a predetermined area on the option board 123. In accordance with the version information, it is preferable to check whether each function configuration is included.

According to another embodiment of the present invention, at least one or more functional configuration checks provided on the option board 123, the wireless communication control unit for controlling each functional configuration provided on the option board (123) The option board controller 120 includes at least one of a wired communication controller 167, an optical communication controller 170, a security application module 187, a controller 173, and a card interface controller 175. If a specific message is not received from the option board 123 after transmitting a predetermined message on the 123, the control function included on the option board controller 120 is included on the option board 123. It is preferable to confirm that it is not.

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method for providing information on at least one or more functional configurations provided on the option board 123, Description is omitted for convenience.

If the wired communication function is included on the option board 123 (t10), the terminal reads a program routine (or program data) for operating the wired communication function from the option board 123 (or the terminal). After that (t15), the read program routine (or program data) is transmitted to the option board 123 to initialize the wired communication function (t20), and check whether or not the initialization is completed (t25).

According to one embodiment of the present invention, when it is confirmed that the wired communication unit 183 is provided on the option board 123, the wired communication control unit 167 is a wired communication unit provided on the option board 123. It is preferable to provide a program routine or program data provided on the option board 123 to the wired communication unit 183 provided on the option board 123 to initialize operation of the operation 183, and wired communication unit 183. Depending on the function provided on the) may not require a program routine or program data for initializing the operation of the wired communication unit 183.

According to another exemplary embodiment of the present invention, when it is confirmed that the wired communication unit 183 is provided on the option board 123, the wired communication control unit 167 is wired provided on the option board 123. In order to initialize the operation of the communication unit 183, it is preferable to provide a program routine or program data provided on the VoIP composite terminal 100 to the wired communication unit 183 provided on the option board 123.

According to an exemplary embodiment of the present invention, the wired communication controller 167 receives an operation request through the wired communication unit 183 before the function of the wired communication unit 183 provided on the option board 123 is initialized. In this case, it is preferable to temporarily store at least one or more information (or data) to be provided to the wired communication unit 183 and then process the wired communication unit 183 when the wired communication unit 183 is activated.

According to another exemplary embodiment of the present invention, the wired communication control unit 167 requests an operation through the wired communication unit 183 before the function of the wired communication unit 183 provided on the option board 123 is initialized. When receiving, it is preferable to delete at least one or more information (or data) to be provided to the wired communication unit 183.

According to another exemplary embodiment of the present invention, the wired communication controller 167 requests an operation through the wired communication unit 183 before the function of the wired communication unit 183 provided on the option board 123 is initialized. When receiving the, it is preferable to limit the generation of at least one or more information (or data) to be provided to the wired communication unit 183 (that is, limiting the use of the wired communication function by notifying that there is no wired communication unit 183).

If the initialization of the wired communication function is completed (t30), the terminal activates the wired communication function and sets the wired communication function to be used in the subsequent terminal operation process (t35).

Here, it is preferable to monitor whether the wired communication function is operable by periodically monitoring the wired communication function even after the initialization of the wired communication function is completed.

In addition, when initialization is not performed for a predetermined time in the wired communication function initialization process, it is preferable to set the wired communication function not to be activated or to repeat the wired communication function initialization process a predetermined number of times. It is preferable to treat the error as a wired communication function included in the option board 123.

4 is a diagram illustrating a process of initializing the optical communication function after confirming the optical communication function included in the option board 123 according to the embodiment of the present invention.

In more detail, FIG. 4 confirms whether the optical communication function is included among the functions of the option board 123 mounted on the VoIP composite terminal 100 shown in FIG. 1, and the optical communication function is included when the optical communication function is included. A process of initializing a function and setting a search for a communication medium to be illustrated below will be described. If a person having ordinary skill in the art to which the present invention belongs, the option board will be referred to and / or modified with reference to FIG. After confirming the optical communication function mounted at 123, various implementation methods for the process of initializing the optical communication function may be inferred. However, the present invention includes all the inferred implementation methods. The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 4, the terminal deactivates the optical communication function (400) and checks whether the optical communication function is included on the inserted option board 123 (405).

According to one embodiment of the invention, at least one or more functional configuration checks provided on the option board 123, at least one or more provided on the option board 123 in a predetermined area on the option board 123 It is preferable to check using an option switch for a function configuration, and at least one bit information of each function configuration is preferably used.

For example, when one bit is provided in the order listed corresponding to the wireless communication unit 180, the wired communication unit 183, the optical communication unit 185, the security application module 187, and the card interface unit 190, the wired communication unit, The option board 123 having only the security application module 187 and the card interface unit 190 preferably provides information on the option board 123 denoted by 01011.

According to another exemplary embodiment of the present invention, at least one or more functional configuration checks provided on the option board 123 may include version information of the option board 123 in a predetermined area on the option board 123. In accordance with the version information, it is preferable to check whether each function configuration is included.

According to another embodiment of the present invention, at least one or more functional configuration checks provided on the option board 123, the wireless communication control unit for controlling each functional configuration provided on the option board (123) The option board controller 120 includes at least one of a wired communication controller 167, an optical communication controller 170, a security application module 187, a controller 173, and a card interface controller 175. If a specific message is not received from the option board 123 after transmitting a predetermined message on the 123, the control function included on the option board controller 120 is not included on the option board 123. It is desirable to confirm that no.

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method for providing information on at least one or more functional configurations provided on the option board 123, Description is omitted for convenience.

If the optical communication function is included on the option board 123 (410), the terminal reads a program routine (or program data) for operating the optical communication function from the option board 123 (or the terminal). After that (415), the read program routine (or program data) is transmitted to the option board 123 to initialize the optical communication function (420), and check the initialization completion (425).

According to one embodiment of the present invention, when it is confirmed that the optical communication unit 185 is provided on the option board 123, the optical communication control unit 170 is an optical communication unit provided on the option board 123 It is preferable to provide a program routine or program data provided on the option board 123 to the optical communication unit 185 provided on the option board 123 to initialize the operation of the operation 185, and the optical communication unit 185 Depending on the functions provided on the), a program routine or program data for initializing the operation of the optical communication unit 185 may not be required.

According to another exemplary embodiment of the present invention, when it is confirmed that the optical communication unit 185 is provided on the option board 123, the optical communication control unit 170 is provided with light provided on the option board 123. In order to initialize the operation of the communication unit 185, it is preferable to provide a program routine or program data provided on the VoIP composite terminal 100 to the optical communication unit 185 provided on the option board 123.

According to the exemplary embodiment of the present invention, the optical communication controller 170 receives an operation request through the optical communication unit 185 before the function of the optical communication unit 185 provided on the option board 123 is initialized. In this case, it is preferable to temporarily store at least one or more information (or data) to be provided to the optical communication unit 185, and then process the optical communication unit 185 when the optical communication unit 185 is activated.

According to another exemplary embodiment of the present invention, the optical communication control unit 170 requests an operation through the optical communication unit 185 before the function of the optical communication unit 185 provided on the option board 123 is initialized. When receiving, it is preferable to delete at least one or more information (or data) to be provided to the optical communication unit 185.

According to another exemplary embodiment of the present invention, the optical communication controller 170 operates through the optical communication unit 185 before the function of the optical communication unit 185 provided on the option board 123 is initialized. When receiving a request, it is preferable to limit the generation of at least one or more information (or data) to be provided to the optical communication unit 185 (that is, limit the use of the optical communication function by notifying that the optical communication unit 185 is not present). .

If the initialization of the optical communication function is completed (430), the terminal activates the optical communication function and sets the optical communication function to be used in a subsequent operation of the terminal (435).

Here, it is preferable that the optical communication function is periodically monitored even after the initialization of the optical communication function is completed to confirm whether the optical communication function can be operated.

In addition, when the initialization is not performed for a predetermined time in the optical communication function initialization process, it is preferable to set the optical communication function not to be activated or to repeat the optical communication function initialization process for a predetermined number of times. It is preferable to treat the error as an optical communication function included in the option board 123.

5 is a diagram illustrating a process of initializing the security application module 187 after checking the security application module 187 included in the option board 123 according to the embodiment of the present invention.

In more detail, Figure 5 confirms the inclusion of the security application module 187 among the functions of the option board 123 mounted on the VoIP composite terminal 100 shown in Figure 1, the security application module 187 is If included, it shows the process of initializing the security application module 187 to set the communication medium to be shown to be shown below, the person having ordinary technical knowledge in the technical field to which the present invention belongs, Figure 5 After checking and / or modifying the security application module 187 mounted on the option board 123, various implementation methods for the process of initializing the security application module 187 may be inferred. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

5, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 5, the terminal deactivates the security application module 187 (500) and checks whether the security application module 187 is included on the inserted option board 123 (505).

According to one embodiment of the invention, at least one or more functional configuration checks provided on the option board 123, at least one or more provided on the option board 123 in a predetermined area on the option board 123 It is preferable to confirm using an option switch or the like for the functional configuration, and it is preferable to use at least one bit or more information for each functional configuration.

For example, when one bit is provided in the order listed corresponding to the wireless communication unit 180, the wired communication unit 183, the optical communication unit 185, the security application module 187, and the card interface unit 190, the wired communication unit, The option board 123 having only the security application module 187 and the card interface unit 190 preferably provides information on the option board 123 denoted by 01011.

According to another exemplary embodiment of the present invention, at least one or more functional configuration checks provided on the option board 123 may include version information of the option board 123 in a predetermined area on the option board 123. In accordance with the version information, it is preferable to check whether each function configuration is included.

According to another embodiment of the present invention, at least one or more functional configuration checks provided on the option board 123, the wireless communication control unit for controlling each functional configuration provided on the option board (123) The option board controller 120 includes at least one of a wired communication controller 167, an optical communication controller 170, a security application module 187, a controller 173, and a card interface controller 175. If a specific message is not received from the option board 123 after transmitting a predetermined message on the 123, the control function included on the option board controller 120 is not included on the option board 123. It is desirable to confirm that no.

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method for providing information on at least one or more functional configurations provided on the option board 123, Description is omitted for convenience.

If the security application module 187 is included on the option board 123 (510), the terminal transmits a program routine (or program data) for operating the security application module 187 to the option board 123 ( Or after reading from the terminal) (515), the read program routine (or program data) is transmitted to the option board 123 to initialize the security application module 187 (520), and check whether the initialization is completed ( 525).

According to one embodiment of the invention, when it is confirmed that the security application module 187 is provided on the option board 123, the security application module 187 control unit 173 is on the option board 123 It is to provide a program routine or program data provided on the option board 123 to the security application module 187 provided on the option board 123 to initialize the operation of the security application module 187 provided in the Preferably, a program routine or program data for initializing the operation of the security application module 187 may not be necessary depending on a function provided on the security application module 187.

According to another embodiment of the present invention, when it is confirmed that the security application module 187 is provided on the option board 123, the security application module 187 control unit 173 is the option board 123 Provides a program routine or program data provided on the VoIP composite terminal 100 to the security application module 187 provided on the option board 123 to initialize the operation of the security application module 187 provided on the system. It is desirable to.

According to an embodiment of the present invention, the security application module 187 control unit 173 is the security application module 187 before the function of the security application module 187 provided on the option board 123 is initialized. When receiving the operation request through, temporarily storing at least one or more information (or data) to be provided to the security application module 187, when the security application module 187 is activated the security application module 187 It is preferable to process through.

According to another exemplary embodiment of the present invention, the security application module 187 control unit 173 is a security application module 187 before the function of the security application module 187 provided on the option board 123 is initialized. When receiving the operation request through the), it is preferable to delete at least one or more information (or data) to be provided to the security application module 187.

According to another exemplary embodiment of the present invention, the security application module 187 control unit 173 is a security application module before the function of the security application module 187 provided on the option board 123 is initialized. When receiving the operation request through the (187), to limit the generation of at least one or more information (or data) to be provided to the security application module 187 (that is, the security application module 187 notifies that there is no security application module (187) restrictions on the use of the function).

If the initialization of the security application module 187 is completed (530), the terminal activates the security application module 187 to set to use the security application module 187 in the subsequent terminal operation process (535). .

Here, it is preferable to check whether the security application module 187 is operable by periodically monitoring the security application module 187 even after the initialization of the security application module 187 is completed.

In addition, when the initialization of the security application module 187 is not performed for a predetermined time, it is preferable to set the security application module 187 is not activated, or to repeat the security application module 187 initialization process a certain number of times. And, if it is not initialized for a certain number of times, it is preferable to treat it as an error on the security application module 187 included in the option board 123.

6 is a diagram illustrating a process of initializing a card interface after checking the card interface included in the option board 123 according to the embodiment of the present invention.

In more detail, FIG. 6 confirms whether a card interface is included among the functions of the option board 123 mounted on the VoIP composite terminal 100 shown in FIG. 1, and initializes the card interface when the card interface is included. By showing a process for setting the communication medium to be shown to be shown below, those having ordinary technical knowledge in the art to which the present invention belongs, the reference board 6 and / or modified the option board 123 After confirming the card interface mounted on the card interface, various implementation methods for the process of initializing the card interface may be inferred. However, the present invention includes all the implementation methods inferred, and the embodiment shown in FIG. The technical features are not limited only.

Hereinafter, in FIG. 6, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 6, the terminal deactivates the card interface (600) and checks whether the card interface is included on the inserted option board (123) (605).

According to one embodiment of the invention, at least one or more functional configuration checks provided on the option board 123, at least one provided on the option board 123 in a predetermined area on the option board 123. It is preferable to confirm using an option switch or the like for the above-described functional configuration, and it is preferable to use at least one bit or more information for each functional configuration.

For example, when one bit is provided in the order listed corresponding to the wireless communication unit 180, the wired communication unit 183, the optical communication unit 185, the security application module 187, and the card interface unit 190, the wired communication unit, The option board 123 having only the security application module 187 and the card interface unit 190 preferably provides information on the option board 123 denoted by 01011.

According to another exemplary embodiment of the present invention, at least one or more functional configuration checks provided on the option board 123 may include version information of the option board 123 in a predetermined area on the option board 123. In accordance with the version information, it is preferable to check whether each function configuration is included.

According to another embodiment of the present invention, at least one or more functional configuration checks provided on the option board 123, the wireless communication control unit for controlling each functional configuration provided on the option board (123) The option board controller 120 includes at least one of a wired communication controller 167, an optical communication controller 170, a security application module 187, a controller 173, and a card interface controller 175. If a specific message is not received from the option board 123 after transmitting a predetermined message on the 123, the control function included on the option board controller 120 is included on the option board 123. It is preferable to confirm that it is not.

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method for providing information on at least one or more functional configurations provided on the option board 123, Description is omitted for convenience.

If the card interface is included on the option board 123 (610), the terminal reads a program routine (or program data) for the card interface operation from the option board 123 (or the terminal) ( In step 615, the read program routine (or program data) is transmitted to the option board 123 to initialize the card interface (620), and check whether the initialization is completed (625).

According to one embodiment of the invention, when it is confirmed that the card interface unit 190 is provided on the option board 123, the card interface control unit 175 is a card provided on the option board 123 In order to initialize the operation of the interface unit 190, a program routine or program data provided on the option board 123 may be provided to the card interface unit 190 provided on the option board 123. Depending on the functions provided on the interface unit 190, a program routine or program data for initializing the operation of the card interface unit 190 may not be required.

According to another exemplary embodiment of the present invention, when it is confirmed that the card interface unit 190 is provided on the option board 123, the card interface controller 175 is provided on the option board 123. In order to initialize the operation of the card interface unit 190, it is preferable to provide a program routine or program data provided on the VoIP composite terminal 100 to the card interface unit 190 provided on the option board 123. .

According to the exemplary embodiment of the present invention, the card interface controller 175 requests an operation through the card interface unit 190 before the function of the card interface unit 190 provided on the option board 123 is initialized. In the case of receiving a message, after temporarily storing at least one or more information (or data) to be provided to the card interface unit 190, and processing the card interface unit 190 when the card interface unit 190 is activated. desirable.

According to another exemplary embodiment of the present invention, the card interface controller 175 operates through the card interface unit 190 before the function of the card interface unit 190 provided on the option board 123 is initialized. When receiving the request, it is preferable to delete at least one or more information (or data) to be provided to the card interface unit 190.

According to another exemplary embodiment of the present invention, the card interface controller 175 is provided through the card interface unit 190 before the function of the card interface unit 190 provided on the option board 123 is initialized. In case of receiving an operation request, limiting generation of at least one or more information (or data) to be provided to the card interface unit 190 (that is, limiting use of the card interface function by notifying that the card interface unit 190 is not present). It is preferable.

If the initialization of the card interface is completed (630), the terminal activates the card interface and sets the card interface to be used in the subsequent terminal operation process (635).

Here, even after the card interface initialization is completed, it is preferable to periodically monitor the card interface to check whether the card interface can be operated.

In addition, if the initialization is not performed for a certain time in the card interface initialization process, it is preferable to set the card interface is not activated, or to repeat the card interface initialization process a certain number of times, and if the initialization is not initialized for a certain number of times, the option board ( It is preferable to treat the card interface included in 123 as having an error.

7 is a diagram illustrating an operation process of the VoIP composite terminal 100 searching for a communication medium for selective payment processing according to a communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or a near field communication medium including at least one packet switched local area wireless communication medium, a direct communication local area wireless communication medium, a packet switched local area wired communication medium, a direct communication local area wired communication medium, and an optical communication medium. Of the above, the VoIP composite terminal 100 for the process of searching for at least one or more communication media for processing the selective payment according to the communication medium identification, if one of ordinary skill in the art to which the present invention belongs, Communication medium for selective payment processing according to the communication medium identification by referring to and / or modifying the Figure 7 Various implementation methods for the process of searching for may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Here, in the process of searching for a communication medium shown in this drawing, the operation process after the wireless, wired, and optical communication media are all activated by the method shown in FIGS. 2, 3, and 4 is shown. If a part is deactivated, those skilled in the art to which the present invention pertains can easily infer an operation process in consideration of the deactivated part, and thus a detailed description thereof will be omitted.

Hereinafter, in FIG. 7, the VoIP composite terminal 100 shown in FIG. 1 is referred to as "terminal" for convenience.

Referring to FIG. 7, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In the voice call mode corresponding to the function or the data communication function, or the data communication mode, the terminal determines whether the voice call mode is idle or the data communication mode is idle (700).

If the operation mode of the terminal is determined to be in the voice call mode idle state or the data communication mode idle state (705), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect the communication channel for the payment processing with at least one server (or device) located on the communication network according to the channel discovery protocol corresponding to the check whether the server (or device) on the communication network is found (710). .

If a server (or device) on the communication network is discovered (715), the terminal checks the communication medium information corresponding to the server (or device) discovered on the communication network through the channel discovery protocol (720), and the communication The media information is stored in the memory unit 115 (or the security application module 187) in association with payment information for each communication medium (725), and the process is performed periodically for all the wide area communication media that can be connected to the terminal. Repeat (730).

The payment processing information for each communication medium may include at least one communication medium switching information for the payment processing and at least one or more key data for the payment security processing when at least one payment processing using the terminal. It is preferable.

In the payment processing using the terminal, when payment information for the payment processing is received through at least one or more communication media, the communication medium switching information may include first communication medium information for receiving the payment information and the payment. It is preferable that the second communication medium information for transmitting the payment request information including the information and the card information read through the card reader unit 105 preferably.

Alternatively, when the payment information for the payment processing is input through the key input unit 110, the communication medium switching information may include the payment information input through the key input unit 110 and the card reader 105. And a second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium connected to the terminal before the payment processing is a communication medium such as the second communication medium. It is possible to include or other communication media.

In addition, the key data is the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation (Nonrepudiation) of the payment request information between the terminal and the server (or device) receiving the payment request information It is preferable to include at least one encryption key (or decryption key) to secure.

According to an embodiment of the present invention, the payment processing information for each communication medium is stored in the memory unit 115 (or the security application module 187) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates payment processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (730), the terminal is a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-range wired communication medium of the packet switching method, a direct communication of a plurality of communication media A local area wired communication medium and at least one device (or server) located at a short distance according to a channel search protocol corresponding to a local area communication medium including at least one optical communication medium, and a communication channel connection for payment processing. By attempting, it is checked if the device (or server) located in the near field is discovered (735).

If the device (or server) located in the near field is found (740), the terminal checks the communication medium information corresponding to the device (or server) found in the near field through the channel discovery protocol (745), The communication medium information and the payment processing information for each communication medium are stored in the memory unit 115 (or the security application module 187) in connection with the storage medium (750). Repeat periodically (755).

The payment processing information for each communication medium may include at least one communication medium switching information for the payment processing and at least one or more key data for the payment security processing when at least one payment processing using the terminal. It is preferable.

In the payment processing using the terminal, when payment information for the payment processing is received through at least one or more communication media, the communication medium switching information is the first communication medium information for receiving the payment information, and the payment It is preferable that the second communication medium information for transmitting the payment request information including the information and the card information read through the card reader unit 105 preferably.

Alternatively, when the payment information for the payment processing is input through the key input unit 110, the communication medium switching information may include the payment information input through the key input unit 110 and the card reader 105. And a second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium connected to the terminal before the payment processing is a communication medium such as the second communication medium. It is possible to include or other communication media.

In addition, the key data is the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation (Nonrepudiation) of the payment request information between the terminal and the server (or device) receiving the payment request information It is preferable to include at least one encryption key (or decryption key) to secure.

According to an embodiment of the present invention, the payment processing information for each communication medium is stored in the memory unit 115 (or the security application module 187) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates payment processing information for each communication medium stored in association with the searched communication medium information.

8 is a diagram illustrating an operation process of the VoIP composite terminal 100 searching for a communication medium for selective financial transaction processing according to a communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or a near field communication medium including at least one packet switched local area wireless communication medium, a direct communication local area wireless communication medium, a packet switched local area wired communication medium, a direct communication local area wired communication medium, and an optical communication medium. Of the above, the VoIP composite terminal 100 for the process of searching for at least one or more communication media for processing a selective financial transaction according to the communication medium identification, if one of ordinary skill in the art to which the present invention belongs, Communication medium for selective financial transaction processing according to the communication medium identification by referring to and / or modifying the Figure 8 Various implementation methods for the process of searching for may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Here, in the process of searching for a communication medium shown in this drawing, it shows an operation process after all wireless, wired, and optical communication media are activated through the method shown in FIGS. If is deactivated, those of ordinary skill in the art will be able to easily infer the operation process in consideration of the deactivated portion, the detailed description thereof will be omitted for convenience.

Hereinafter, in FIG. 8, the VoIP composite terminal 100 shown in FIG. 1 will be referred to as "terminal" for convenience.

Referring to FIG. 8, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In the voice call mode corresponding to the function or the data communication function, or the data communication mode, the terminal determines whether the voice call mode is idle or the data communication mode is idle (800).

If the operation mode of the terminal is determined to be in the voice call mode idle state or the data communication mode idle state (805), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect the communication channel for the financial transaction processing with at least one server (or device) located on the communication network according to the channel discovery protocol corresponding to the check whether the server (or device) on the communication network is discovered (810) .

If a server (or device) on the communication network is discovered (815), the terminal checks the communication medium information corresponding to the server (or device) discovered on the communication network through the channel discovery protocol (820), and the communication The media information and the banking processing information for each communication medium are linked to each other and stored in the memory unit 115 (or the security application module 187) (825), and the process is performed periodically for all the wide area communication media that can be connected to the terminal. Repeat (830).

The banking processing information for each communication medium may include at least one communication medium switching information for the financial transaction processing and at least one or more key data for the financial transaction security processing when processing at least one financial transaction using the terminal. It is preferable.

In the financial transaction processing using the terminal, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include first communication medium information for receiving the financial transaction information; Preferably, the financial transaction information includes the second communication medium information for transmitting the financial transaction request information including the financial transaction information and the card information read through the card reader unit 105.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 110, the communication medium switching information may be the financial transaction information input through the key input unit 110 and the card reader unit 105. And second communication medium information for transmitting the financial transaction request information including card information read through the card information, wherein the first communication medium connected to the terminal before the financial transaction processing is connected to the second communication medium. It is possible to include the same communication medium or different communication media.

In addition, the key data is an encryption key (or decryption key) for securing confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the terminal and the server (or device) receiving the financial transaction request information. It is preferable to include at least one.

According to an exemplary embodiment of the present invention, banking processing information for each communication medium is stored in the memory unit 115 (or the security application module 187) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates banking processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide-area communication medium is completed (830), the terminal is a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication method, a short-range wired communication medium of a packet switching method, a direct communication of a plurality of communication media A local area wired communication medium and at least one device (or server) located at a short distance according to a channel search protocol corresponding to a local area communication medium including at least one optical communication medium and a communication channel connection for processing the financial transaction. By attempting, it is checked if a device (or server) located in the near field is discovered (835).

If the device (or server) located in the near field is found (840), the terminal checks the communication medium information corresponding to the device (or server) found in the near field through the channel discovery protocol (845), The communication medium information and the banking processing information for each communication medium are linked and stored in the memory unit 115 (or the security application module 187) (850), and the process is performed for a short range communication medium connectable to the terminal. Repeat periodically (855).

The banking processing information for each communication medium may include at least one communication medium switching information for the financial transaction processing and at least one or more key data for the financial transaction security processing when processing at least one financial transaction using the terminal. It is preferable.

In the financial transaction processing using the terminal, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include first communication medium information for receiving the financial transaction information; Preferably, the financial transaction information includes the second communication medium information for transmitting the financial transaction request information including the financial transaction information and the card information read through the card reader unit 105.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 110, the communication medium switching information may be the financial transaction information input through the key input unit 110 and the card reader unit 105. And second communication medium information for transmitting the financial transaction request information including card information read through the card information, wherein the first communication medium connected to the terminal before the financial transaction processing is connected to the second communication medium. It is possible to include the same communication medium or different communication media.

In addition, the key data is an encryption key (or decryption key) for securing confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the terminal and the server (or device) receiving the financial transaction request information. It is preferable to include at least one.

According to an exemplary embodiment of the present invention, banking processing information for each communication medium is stored in the memory unit 115 (or the security application module 187) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates banking processing information for each communication medium stored in association with the searched communication medium information.

FIG. 9 is a diagram illustrating an operation process of the VoIP composite terminal 100 for searching for a communication medium for payment of giro through the selective payment (or financial transaction) according to the communication medium identification according to the embodiment of the present invention.

In more detail, FIG. 9 illustrates a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or a near field communication medium including at least one packet switched local area wireless communication medium, a direct communication local area wireless communication medium, a packet switched local area wired communication medium, a direct communication local area wired communication medium, and an optical communication medium. Of the above, the VoIP composite terminal 100 for the process of searching for at least one or more communication media for processing the payment through the selective payment (or financial transactions) according to the communication medium identification, the present invention belongs to If one of ordinary skill in the art with reference to Figure 9 and / or modified to select according to the communication medium identification Various implementation methods for the process of searching for a communication medium for payment of giro payment through payment (or financial transaction) may be inferred, but the present invention includes all the implementation methods inferred above, and FIG. 9 The technical features are not limited only to the implementation method shown in FIG.

Here, in the process of searching for a communication medium shown in this drawing, it shows an operation process after all wireless, wired, and optical communication media are activated through the method shown in FIGS. If is deactivated, those of ordinary skill in the art will be able to easily infer the operation process in consideration of the deactivated portion, the detailed description thereof will be omitted for convenience.

In the following, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 9, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In the voice call mode corresponding to the function or the data communication function or the data communication mode, the terminal determines whether the voice call mode is idle or the data communication mode is idle (900).

If the operation mode of the terminal is determined as the voice call mode idle state or the data communication mode idle state (905), the terminal is a wide area communication including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect a communication channel for the branch payment processing with at least one server (or device) located on a communication network according to a channel discovery protocol corresponding to a medium, thereby determining whether a server (or device) on the communication network is discovered (910). ).

If a server (or device) on the communication network is discovered (915), the terminal identifies communication media information corresponding to the server (or device) discovered on the communication network through the channel discovery protocol (920), and the communication The media information is stored in the memory unit 115 (or the security application module 187) in association with processing information for each communication medium (925), and the process is performed periodically for all the wide area communication media that can be connected to the terminal. Repeat (930).

The Jiro processing information for each communication medium may include at least one or more key data for the Jiro payment security processing and the communication medium switching information for the Jiro payment processing when at least one branch payment processing using the terminal. It is preferable.

In the case of the giropayment processing using the terminal, when the giropayment information for the giropayment processing is received through at least one or more communication media, the communication medium switching information includes first communication medium information for receiving the giropayment information; Preferably, the information includes second communication medium information for transmitting the branch payment request information including the branch payment information and the card information read through the card reader unit 105.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 110, the communication medium switching information is inputted through the key input unit 110 and the card reader unit 105. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the first communication medium connected to the terminal before the Jiro payment processing is connected to the second communication medium; It is possible to include the same communication medium or different communication media.

In addition, the key data is an encryption key (or decryption key) to secure confidentiality, authentication, integrity and non-repudiation of the branch payment request information between the terminal and the server (or device) receiving the branch payment request information. It is preferable to include at least one.

According to an embodiment of the present invention, the processing information for each communication medium is stored in the memory unit 115 (or the security application module 187) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide-area communication medium is completed (930), the terminal may be a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication method, a short-range wired communication medium of a packet switching method, and direct communication among a plurality of communication media. A local area wired communication medium and at least one device (or server) located in the local area according to a channel search protocol corresponding to a local area communication medium including at least one optical communication medium, and a communication channel connection for the branch payment processing. By attempting, it is checked if a device (or server) located in the near field is discovered (935).

If the device (or server) located in the near field is found (940), the terminal checks the communication medium information corresponding to the device (or server) found in the near field through the channel search protocol (945), The communication medium information is stored in the memory unit 115 (or the security application module 187) in association with processing information for each communication medium (950), and the process is performed for a short range communication medium connectable to the terminal. Repeated periodically (955).

The Jiro processing information for each communication medium may include at least one or more key data for the Jiro payment security processing and the communication medium switching information for the Jiro payment processing when at least one branch payment processing using the terminal. It is preferable.

In the case of the giropayment processing using the terminal, when the giropayment information for the giropayment processing is received through at least one or more communication media, the communication medium switching information includes first communication medium information for receiving the giropayment information; Preferably, the information includes second communication medium information for transmitting the branch payment request information including the branch payment information and the card information read through the card reader unit 105.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 110, the communication medium switching information is inputted through the key input unit 110 and the card reader unit 105. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the first communication medium connected to the terminal before the Jiro payment processing is connected to the second communication medium; It is possible to include the same communication medium or different communication media.

In addition, the key data is an encryption key (or decryption key) to secure confidentiality, authentication, integrity and non-repudiation of the branch payment request information between the terminal and the server (or device) receiving the branch payment request information. It is preferable to include at least one.

According to an embodiment of the present invention, the processing information for each communication medium is stored in the memory unit 115 (or the security application module 187) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates processing information for each communication medium stored in association with the searched communication medium information.

FIG. 10 is a diagram illustrating an operation process of the VoIP composite terminal 100 for searching for a communication medium for ticket reservation / prediction processing through selective payment (or financial transaction) according to the communication medium identification according to an embodiment of the present invention. .

In more detail, FIG. 10 illustrates a wide-area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or a near field communication medium including at least one packet switched local area wireless communication medium, a direct communication local area wireless communication medium, a packet switched local area wired communication medium, a direct communication local area wired communication medium, and an optical communication medium. Of the above, the VoIP composite terminal 100 is a process for searching for at least one communication medium for processing the ticket reservation / reservation through the selective payment (or financial transactions) according to the communication medium identification, the present invention belongs to Those skilled in the art may refer to and / or modify this drawing 10 according to the identification of the communication medium. Various implementation methods for the process of searching for a communication medium for ticket reservation / booking processing through selective payment (or financial transaction) may be inferred, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

Here, in the process of searching for a communication medium shown in this drawing, it shows an operation process after all wireless, wired, and optical communication media are activated through the method shown in FIGS. If is deactivated, those of ordinary skill in the art will be able to easily infer the operation process in consideration of the deactivated portion, the detailed description thereof will be omitted for convenience.

Hereinafter, in FIG. 10, the VoIP composite terminal 100 shown in FIG. 1 will be referred to as "terminal" for convenience.

Referring to FIG. 10, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In the voice call mode corresponding to the function or the data communication function, or in the data communication mode, the terminal determines whether the voice call mode is idle or the data communication mode is idle (1000).

If the operation mode of the terminal is determined to be in the voice call mode idle state or the data communication mode idle state (1005), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect the communication channel for the ticket reservation / advance processing with at least one server (or device) located on the communication network according to the channel discovery protocol corresponding to to determine whether the server (or device) on the communication network is discovered ( 1010).

If a server (or device) on the communication network is discovered (1015), the terminal checks communication medium information corresponding to the server (or device) discovered on the communication network through the channel discovery protocol (1020), and the communication The media information is stored in the memory unit 115 (or the security application module 187) in association with the ticket processing information for each communication medium (1025), and the process is performed periodically for all the wide area communication media that can be connected to the terminal. Repeat (1030).

The ticket processing information for each communication medium may include at least one key data for the ticket reservation / reservation security and the communication medium switching information for the ticket reservation / reservation and at least one ticket reservation / reservation using the terminal. It is preferable to comprise as mentioned above.

When the ticket reservation / reservation using the terminal, when receiving the ticket reservation / reservation information for the ticket reservation / reservation through at least one or more communication media, the communication medium switching information is the first to receive the ticket reservation / reservation information; And a second communication medium information for transmitting the ticket reservation / reservation request information including the communication medium information, the ticket reservation / reservation information and the card information read through the card reader unit 105. .

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 110, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 110 and the It is preferable that the second communication medium information for transmitting the ticket reservation / reservation request information including the card information read through the card reader unit 105, the first communication connected to the terminal before the ticket reservation / reservation The medium may be a communication medium such as the second communication medium, or may include another communication medium.

The key data may further include an encryption key for securing confidentiality, authentication, integrity, and nonrepudiation of the ticket reservation / reservation request information between the terminal and the server (or device) that receives the ticket reservation / reservation request information. Or at least one decryption key).

According to an embodiment of the present invention, ticket processing information for each communication medium is stored in the memory unit 115 (or the security application module 187) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates ticket processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (1030), the terminal is a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-range wired communication medium of the packet switching method, a direct communication of a plurality of communication media At least one device (or server) located at a short distance according to a channel search protocol corresponding to a near field communication medium including at least one local area wired communication medium and at least one optical communication medium, and a communication channel for ticket reservation / advance processing. By attempting to connect, it is checked if a device (or server) located in the near field is discovered (1035).

If the device (or server) located in the near field is found (1040), the terminal checks the communication medium information corresponding to the device (or server) found in the near field through the channel search protocol (1045), The communication medium information and the ticket processing information for each communication medium are linked and stored in the memory unit 115 (or security application module 187) (1050), and the process is performed for a short range communication medium connectable to the terminal. Repeat periodically (1055).

The ticket processing information for each communication medium may include at least one key data for the ticket reservation / reservation security and the communication medium switching information for the ticket reservation / reservation and at least one ticket reservation / reservation using the terminal. It is preferable to comprise as mentioned above.

When the ticket reservation / reservation using the terminal, when receiving the ticket reservation / reservation information for the ticket reservation / reservation through at least one or more communication media, the communication medium switching information is the first to receive the ticket reservation / reservation information; And a second communication medium information for transmitting the ticket reservation / reservation request information including the communication medium information, the ticket reservation / reservation information and the card information read through the card reader unit 105. .

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 110, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 110 and the It is preferable that the second communication medium information for transmitting the ticket reservation / reservation request information including the card information read through the card reader unit 105, the first communication connected to the terminal before the ticket reservation / reservation The medium may be a communication medium such as the second communication medium or may include another communication medium.

The key data may further include an encryption key for securing confidentiality, authentication, integrity, and nonrepudiation of the ticket reservation / reservation request information between the terminal and the server (or device) that receives the ticket reservation / reservation request information. Or at least one decryption key).

According to an embodiment of the present invention, ticket processing information for each communication medium is stored in the memory unit 115 (or the security application module 187) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates ticket processing information for each communication medium stored in association with the searched communication medium information.

FIG. 11 is a diagram illustrating an operation process of the VoIP composite terminal 100 for searching for a communication medium for electronic money charging processing through selective payment (or financial transaction) according to the communication medium identification according to the embodiment of the present invention.

In more detail, FIG. 11 illustrates a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or short-range communication including at least one of a packet-switched short-range wireless communication medium, a direct communication short-range wireless communication medium, a packet-switched short distance wireless communication medium, a direct communication short-range wireless communication medium, and an optical communication medium. The present invention relates to a process of searching for at least one communication medium for processing electronic money charging through selective payment (or financial transaction) according to communication medium identification in the VoIP composite terminal 100 in the medium, to which the present invention pertains. Persons of ordinary skill in the art may refer to and / or modify the drawing 11 according to the communication medium identification. Various implementation methods for the process of searching for a communication medium for the processing of electronic money charging through selective payment (or financial transaction) may be inferred, but the present invention includes all the implementation methods inferred above. The technical features are not limited only to the implementation method shown in FIG.

Here, in the process of searching for a communication medium shown in this drawing, it shows an operation process after all wireless, wired, and optical communication media are activated through the method shown in FIGS. If is deactivated, those of ordinary skill in the art will be able to easily infer the operation process in consideration of the deactivated portion, the detailed description thereof will be omitted for convenience.

In the following, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 11, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In the voice call mode corresponding to the function or the data communication function, or in the data communication mode, the terminal determines whether the voice call mode is idle or the data communication mode is idle (1100).

If the operation mode of the terminal is determined to be in the voice call mode idle state, or data communication mode idle state (1105), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect a communication channel for the electronic money charging process with at least one server (or device) located on the communication network according to the channel discovery protocol corresponding to the terminal to determine whether the server (or device) on the communication network is discovered (1110). ).

If a server (or device) on the communication network is found (1115), the terminal identifies communication medium information corresponding to the server (or device) found on the communication network through the channel discovery protocol (1120), and the communication The media information is stored in the memory unit 115 (or the security application module 187) in association with charging information for each communication medium (1125), and the process is performed periodically for all the wide area communication media that can be connected to the terminal. Repeat (1130).

The charging processing information for each communication medium includes at least one or more key data for the electronic medium charging security and the communication medium switching information for charging the electronic money when charging at least one electronic money using the terminal; It is preferable to make.

When the electronic money is charged using the terminal, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information may include the first communication medium information for receiving the electronic money charging information. And second communication medium information for transmitting the electronic money charging request information including the electronic money charging information and the card information read through the card reader 105.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 110, the communication medium switching information may be input through the key input unit 110 and the electronic money charging information and the card reader unit. Preferably, the first communication medium includes information on the second communication medium that transmits the electronic money charging request information including card information read through the electronic device, wherein the first communication medium connected to the terminal before charging the electronic money is the second communication medium. It is possible to include a communication medium such as a communication medium or other communication mediums.

In addition, the key data is an encryption key (or decryption) for securing confidentiality, authentication, integrity and nonrepudiation of the electronic money charging request information between the terminal and the server (or device) receiving the electronic money charging request information. And at least one key).

According to an embodiment of the present invention, the charging processing information for each communication medium is stored in the memory unit 115 (or the security application module 187) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates charging processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (1130), the terminal may include a short-range wireless communication medium of a packet switched type, a short range wireless communication medium of a direct communication type, a short distance wired communication medium of a packet switched type, and direct communication among a plurality of communication media. A local area wired communication medium and at least one device (or server) located in a local area according to a channel search protocol corresponding to a local area communication medium including at least one optical communication medium, and a communication channel connection for the electronic money charging process. By attempting to verify that the device (or server) located in the near field is discovered (1135).

If the device (or server) located in the near field is found (1140), the terminal checks the communication medium information corresponding to the device (or server) found in the near field through the channel search protocol (1145). The communication medium information is stored in the memory unit 115 (or the security application module 187) in association with the charging process information for each communication medium (1150), and the process is for a short range communication medium connectable to the terminal. Repeat periodically (1155).

The charging processing information for each communication medium includes at least one or more key data for the electronic medium charging security and the communication medium switching information for charging the electronic money when charging at least one electronic money using the terminal; It is preferable to make.

When the electronic money is charged using the terminal, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information may include the first communication medium information for receiving the electronic money charging information. And second communication medium information for transmitting the electronic money charging request information including the electronic money charging information and the card information read through the card reader 105.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 110, the communication medium switching information is inputted through the key input unit 110 and the electronic money charging information and the card reader unit. Preferably, the first communication medium includes information on the second communication medium that transmits the electronic money charging request information including card information read through the electronic device, wherein the first communication medium connected to the terminal before charging the electronic money is the second communication medium. It is possible to include a communication medium such as a communication medium or other communication mediums.

In addition, the key data is an encryption key (or decryption) for securing confidentiality, authentication, integrity and nonrepudiation of the electronic money charging request information between the terminal and the server (or device) receiving the electronic money charging request information. And at least one key).

According to an embodiment of the present invention, the charging processing information for each communication medium is stored in the memory unit 115 (or the security application module 187) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates charging processing information for each communication medium stored in association with the searched communication medium information.

According to the present invention, a plurality of communication media provided in each home (or store or office) are automatically detected by a VoIP terminal providing voice call service, data communication and multimedia service at the same time through an IP-based communication network. By providing a function of automatically selecting a communication medium that can most conveniently and stably use online payment (or non-face-to-face payment) or online financial transaction (or non-face-to-face financial transaction) among the detected communication media, Or non-face-to-face) there is an advantage to solve the inconvenience of information input and information leakage of payment (or financial transactions).

According to the present invention, a plurality of communication media provided in each home (or store or office) are automatically detected by a VoIP terminal providing voice call service, data communication and multimedia service at the same time through an IP-based communication network. A function of automatically selecting an optimal communication medium interworking with a client terminal provided in the home (or a store or an office) among the detected communication media is provided so that the client terminal does not have a separate device. There is an advantage of providing a Jiro payment service through the online (or non-face-to-face) payment (or financial transaction) through a VoIP terminal.

According to the present invention, when charging the electronic money through the online (or non-face-to-face) payment (or financial transaction) in the VoIP composite terminal, the VoIP composite terminal is not equipped with a high performance computing function (for example, encryption operation function) In this case, there is an advantage in that the second communication medium of the VoIP composite terminal is processed through a client terminal having a high performance computing function located at a short distance of the VoIP composite terminal.

According to the present invention, by setting to operate according to the type and function of the option board in the VoIP composite terminal, there is an advantage that can reduce the production cost of the VoIP composite terminal and various expandability by replacing the option board.

Claims (7)

Local area communication channel that connects local area communication channel of direct communication method through wireless with device (or server) located in local area, or local area communication unit that connects packet communication type local area communication channel through wireless access point (AP), wireless communication network Wide area wireless communication unit for connecting the communication channel with the server (or device), the local communication channel of the direct communication method through a wired connection with the device (or server) located in the local area, or a short-range communication channel of the packet exchange method through the relay device At least one of a short-range wired communication unit for connecting a connection, a wide area wired communication unit for connecting a communication channel with a server (or device) through a wired communication network, and an optical communication unit for connecting an optical communication channel through an infrared ray with a device (or server) located in a local area. An option board having a communication unit and a card interface unit for interfacing with a card reader device; , In the VoIP terminal comprising a main board (Main Board) having an interface unit for detaching and detaching the option board, An option board checking unit for checking an operation state of a communication function and a card reader function provided in the option board; A wireless communication controller which controls the main board to communicate through the wireless communication function when the wireless communication function of the short range wireless communication unit or the wide area wireless communication unit is confirmed from the option board as a result of the checking; A wired communication controller configured to control the main board to communicate through the wired communication function when the wired communication function of the short-range wired communication unit or the wide area wired communication unit is confirmed from the option board; An optical communication controller configured to control the main board to communicate through the optical communication function when the optical communication function is confirmed from the option board; A card interface controller for controlling the card reader to read card information from a card through the card reader function when the card reader function is confirmed from the option board; A communication channel connection unit connecting a communication channel with a VoIP gateway (or gatekeeper) through a communication function identified from the option board; A communication medium searching unit searching for a communication medium including information on a communication network and a device (or a server) for processing any one of payment, banking, branch, ticket purchase, and charging through the communication channel; And And a communication medium information storage unit storing the searched communication medium information in a memory unit. delete The method of claim 1, A message receiving unit receiving a message requesting to process any one of payment, banking, giro, ticket purchase, and charging through the communication channel; An information confirmation unit reading the message and confirming transaction information corresponding to any one of payment, banking, giro, ticket purchase, and recharge; A communication medium confirming unit confirming communication medium information for processing a transaction corresponding to the confirmed transaction information from the memory unit; An information input unit for inputting card information for processing the transaction through a card interface function identified from the option board; An information generation unit for generating transaction request information to be transmitted to a device (or server) corresponding to the communication medium information, including transaction information included in the message and the input card information; And And an information transmitter for transmitting the transaction request information to the device (or server) through the identified communication medium information. The method of claim 1, When a security application module (SAM) is provided on the option board, when the card reader function is confirmed from the option board, the security application module (SAM) provided on the option board controls the card reader function of the card interface unit. Communication medium adaptive VoIP terminal, characterized in that further comprising a security application module control unit. Local area communication channel that connects local area communication channel of direct communication method through wireless with device (or server) located in local area, or local area communication unit that connects packet communication type local area communication channel through wireless access point (AP), wireless communication network Wide area wireless communication unit for connecting the communication channel with the server (or device), the local communication channel of the direct communication method through a wired connection with the device (or server) located in the local area, or a short-range communication channel of the packet exchange method through the relay device At least one of a short-range wired communication unit for connecting a connection, a wide area wired communication unit for connecting a communication channel with a server (or device) through a wired communication network, and an optical communication unit for connecting an optical communication channel through an infrared ray with a device (or server) located in a local area. An option board having a communication unit and a card interface unit for interfacing with a card reader device; In the method of operating a VoIP terminal provided with a main board (Main Board) having an interface unit for detaching and detaching the option board, Identifying a communication function provided in the option board and connecting a communication channel with a VoIP gateway (or gatekeeper); Searching for a communication medium including communication network and device (or server) information for processing any one of payment, banking, branch, ticket purchase, and charging through the communication channel; And And storing the searched communication medium information in a memory unit. The method of claim 5, When the card reader function is confirmed from the option board, controlling to read the card information from the card through the card reader function; characterized in that it further comprises a communication medium adaptive VoIP terminal operating method. delete

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