KR100935272B1 - Remote settlementing system using of a public phone apparatus and method of the same - Google Patents

Abstract

The present invention relates to a remote payment system and a method using a public telephone terminal, a plurality of cards that are read through the public telephone terminal as a payment means, data relay so that payment of the content purchase or use of remote CP companies It is possible to easily make payments for online content regardless of the place, and through the money charging account linked with a pre-certified authentication number for each user can carry out the money charging in the public telephone terminal, the charge amount Provides a remote payment system and a method using a public telephone terminal that makes it possible to easily pay for online content regardless of location by performing data relay so that payment of content purchase or use of remote CP companies can be made through Has its purpose.

According to the present invention, online contents can be easily purchased regardless of a place through a transportation card, not a telephone card, and cash, such as coins or bills, is placed in the money account and the contents are used regardless of the amount of online contents. Since it can be easily purchased, it is possible to perform a cyber piggy bank function using a public telephone terminal, to activate online content trading, and to increase the convenience for the user to purchase content.

Payphone, Payment, Recharge, CP, Cyber Piggy Bank, E-Money

Description

REMOTE SETTLEMENTING SYSTEM USING OF A PUBLIC PHONE APPARATUS AND METHOD OF THE SAME}

The present invention relates to a remote payment system and a method using a public telephone terminal, and in more detail can be carried out in the public telephone terminal through the charging account associated with the authentication number given in advance for each user, the charging Remote payment system using a public telephone terminal that allows users to easily pay online contents regardless of the place by performing data relay so that remote CP companies can purchase contents or use the contents through the amount. It is about.

As is well known, due to the recent development of information and communication technology, the development of information providing technology that provides real-time information to various subscribers through at least one host server through a remote data communication network is actively underway.

Based on this, in recent years, information sorting and compression technologies are being developed to provide more convenient access to neighboring technologies such as cache memory expansion technology to provide accurate information to subscribers more quickly and subscribers' tastes and preferences. It is also accelerating the development of various contents and its solutions.

In general, a public telephone terminal is a telephone terminal that is arranged at a predetermined interval on the roadside and is connected to a public switched telephone network (PSTN) to support a voice call service and supports the execution of a voice call.

Hereinafter, the structure of a conventional public telephone terminal will be described with reference to a part of FIG. 1.

Referring to this, as shown in FIG. 1, the conventional public telephone terminal is provided with a case 4 of a hexagonal body constituting its appearance, and one side of the case 4 is a handset 22 for voice call. ) Is provided, and a safe door 6 for attaching and detaching a safe (not shown) is formed at a predetermined lower portion of the front face.

In addition, the upper part of the vault door 6 is provided with a button unit 8 for service mode selection and incoming call number input, the payment means input unit 10 is provided on the side of the button unit 8 have. In the conventional public telephone terminal, the payment means input unit 10 generally includes a telephone card input unit 16 for inserting a telephone-only card; Coin input units 12 for injecting coins are formed, respectively, and the coin return unit 14 is provided at the lower end of the coin input unit 12.

In addition, an incoming call input through the service mode information selected through the button unit 8 and the button unit 8 while protruding a predetermined length forward from the case 4 in the upper portion of the payment means input unit 10. A display unit 20 is provided for screen display of number information and for screen display of the Hang Off and Hang On states of the handset 22.

The conventional public telephone terminal of the above-described configuration is a public telephone terminal that makes payments simply to perform a voice call service, and the conventional public telephone terminal is a telephone card or coin / banknote used exclusively for a voice call in a public telephone terminal. It had a structure of depositing cash into a public telephone terminal and using it as a voice call fee. Therefore, the conventional public telephone terminal has a variety of payment structure, the payment target company also had a problem that can not be variously selected.

On the other hand, the conventional public telephone terminal is a system that allows the collector to collect and settle coins or bills directly from the public telephone terminal, so that various small payments, charging, and use as a cyber piggy bank can be used to expand the payment structure. There is a problem that can be built, but until now there is no such a system to reduce the user convenience.

In addition, in line with the Internet era, various CP (Contents Provider) companies have provided various Internet contents such as education, games, shopping malls, and sound recordings. Only a small payment was possible.

However, the mobile phone micropayment can only be used as a micropayment literally, so the range of payment was very limited.In the case of bank transfer, if the balance is insufficient, you have to visit a financial institution such as a bank or enter cash through an ATM. There was a problem.

In addition, such a cash dispenser has a problem that it is impossible to deposit a unit amount or less than the 10,000 won or the amount of coins. In other words, if you want to deposit 100,000 won in a 500 won coin, you will not be able to deposit a small amount after you exchange it with 10 bills of 10,000 won bills at the window. In the case of cash machines, only a limited number is available. There was a problem that they were supplied and subject to regional restrictions.

In addition, there was a problem that the youth can not use the credit card.

The present invention has been made in view of the above-described state of the art, and by using a plurality of cards read through a public telephone terminal as a payment means, by performing data relay so as to pay for the purchase or use of contents by remote CP companies. It is an object of the present invention to provide a remote payment system using a public telephone terminal and a method thereof, which enables payment of online contents easily regardless of a place.

Another object of the present invention can be carried out in the public phone terminal through the money charging account interlocked with the user's predetermined authentication number, the payment of the content purchase or use of remote CP companies through the charge amount The present invention provides a remote payment system and a method using a public telephone terminal, which enables payment of online contents easily regardless of a place by performing data relaying.

Another object of the present invention can be carried out in the public phone terminal through the money charging account interlocked with the authentication number given in advance for each user, the charge amount is linked to the virtual account of the associated financial institution, public phone The present invention provides a remote payment system and a method using a public telephone terminal that enables transfer and withdrawal of money deposited in a terminal.

In order to achieve the above object, according to a preferred embodiment of the present invention, there is provided a card reader unit for detecting the amount of coin input therein, and reading the traffic card information and the balance information, Internet content category and content information A public telephone terminal which is stored in advance so as to output a screen, and is provided with a payment signal generator for generating a tone signal matched with code information for each content information and payment information of a user; A multi-content provider server for transmitting payment information to a plurality of content providing servers, and transmitting the content information and payment result information to a telephone payment relay server; A transit card company server for authenticating and recharging the transit card and transferring the charges to the telephone settlement relay server after the payment is settled; Receives the traffic card information and the content payment signal information from the public telephone terminal as the tone signal, and compares the corresponding tone signal with the prestored content payment code and the tone signal matched with the amount information to recognize the content information and the amount information to be paid. In addition, a remote payment system using a public telephone terminal, comprising a telephone payment relay server configured to process a purchase payment for the corresponding content and transmit the corresponding payment information to the multi-content provider server to relay the payment processing.

Preferably, the telephone payment relay server is configured in connection with a repeater for transmitting a tone signal through a PSTN network, so that the telephone payment relay server performs the function of an intelligent network server, remote payment system using a public telephone terminal This is provided.

Preferably, the telephone payment relay server receives a content selection information, traffic card information, payment amount information from the public telephone terminal, and a communication module connected to the repeater for transmitting the payment result information; A user information manager which manages user information, that is, traffic card information and payment price information requesting to purchase a specific content; A tone signal analysis unit for comparing tone signals indicating content selection information, traffic card information, and payment amount information received through the communication module by comparing matching information for each tone signal information previously stored; A collecting manager for managing the amount of money collected from the public telephone terminal for settlement processing; A payment information reading unit for reading the contents information to be paid in connection with the tone signal analyzing unit and the payment information; A payment processing unit which relays payment processing for content purchases through the multi-content provider server; A payment settlement unit linked with the collection management unit for processing the payment settled by the transportation card; A user information DB for storing user information, that is, traffic card information and payment price information requesting to purchase a specific content; A tone signal information DB for storing matching information for each tone signal information stored in advance in tone signals indicating content selection information, traffic card information, and payment amount information; A payment processing DB for storing payment processing information for content purchase; A payment settlement DB for processing the payment settled with the transportation card and storing the information; A collection information DB for each phone that stores the amount information collected for each phone; Receives content selection information, traffic card information, and payment amount information from a public telephone terminal, interprets the corresponding tone signal, performs payment processing for the corresponding content, and transmits the processed payment result information to the public telephone terminal; In the future, a remote payment system using a public telephone terminal is provided, including a control unit configured to settle and process a payment for content due to a transportation card.

On the other hand, the present invention comprises a first step of determining whether a public telephone terminal detects a Hang Off signal of the handset; If a Hang Off signal is detected, switching to a standby mode in a service available state; A third step of determining whether a payment means is detected from the coin input unit and the card reader unit of the public telephone terminal; A fourth step of determining, by the public telephone terminal, whether the corresponding payment means is a coin or a traffic card; A fifth step of detecting an input amount if the payment means is coin, and checking the balance if it is a transportation card; A sixth step of determining whether to select a payment service; A seventh step of, if the payment service is selected, the public telephone terminal executing an automatic call connection to the payment representative telephone number and accessing a telephone payment relay server; An eighth step of the public telephone terminal outputting a payment screen; A ninth step of receiving, by the public telephone terminal, payment request information; A tenth step of the public telephone terminal transmitting and processing content payment request information to the telephone payment relay server; An eleventh step of the telephone payment relay server interpreting the content payment signal and transmitting payment request information to a multi-content provider server; A twelfth step of the multi-content provider server transmitting a payment request signal for the corresponding content providing server; A thirteenth step of performing, by the corresponding content providing server, a payment process for purchasing the corresponding content, and updating content information of the corresponding user; A fourteenth step of the telephone payment relay server receiving payment approval information of a CP company from the multi-content provider server 34; Provided is a remote payment method using a public telephone terminal, comprising a fifteenth step of transmitting the payment approval information to the public telephone terminal.

Preferably, if the public telephone terminal is the selection signal for the call service is applied in the sixth step, executing the call service; Determining whether a call termination signal is applied; There is provided a remote payment method using a public telephone terminal, further comprising the step of displaying the balance information by subtracting the call charge.

Preferably, the ninth process includes selecting payment category information; Selecting one of the lower contents of the category; There is provided a remote payment method using a public telephone terminal, characterized in that the process of inputting the content purchase amount.

Preferably, the tenth step is a step of determining whether the balance is insufficient; If the balance is insufficient, there is provided a remote payment method using a public telephone terminal, characterized in that further comprising the step of displaying the service unavailable information on the screen.

Preferably, in the tenth step, various selection signals, payment amount input information, and content information are each composed of a tone signal, and remote payment using a public telephone terminal, characterized in that to transmit the tone signal to the telephone call relay server. A method is provided.

On the other hand, the present invention detects the input amount of coins therein, generates a content purchase signal using the charge of the E-Money account and the balance of the E-Money account, the content purchase payment request signal A public telephone terminal for generating a; A multi-content provider server for transmitting payment information to a plurality of content providing servers, and transmitting the content information and payment result information to a telephone payment relay server; Each user's money (E-Money) account is built, the authentication number and password for each of the (E-Money) account is matched and stored, so that a number of public telephone terminals easily put coins or bills in their own money (E-Money) is configured as a telephone payment relay server that charges cash to the account, receives content payment signal information from the public telephone terminal and transmits the corresponding payment information to the multi-content provider server to relay payment processing. A remote payment system using a public telephone terminal is provided.

Preferably, the telephone payment relay server receives the e-money account charging information, user authentication information from the public telephone terminal and receives the amount of money information to be charged, receives the content selection information, payment amount information, A communication module connected to the repeater for transmitting the settlement result information; A user information management unit for managing user authentication information, that is, user's E-Money account authentication number and password information of the corresponding E-Money account for each user; Tone signal analysis unit for comparing the tone signal representing the charging signal, authentication information and content selection information, payment amount information received by the communication module to compare the matching information for each pre-stored tone signal information; ; A collecting manager for managing the amount of money collected from the public telephone terminal for settlement processing; E-Money that manages accounts for each user so that coins or bills can be easily put in a number of public telephone terminals, and the cash can be charged to an E-Money account through the input amount information and authentication number. ) Account management unit; A payment information reading unit for interlocking with the tone signal analyzing unit and reading the amount information and account information to be charged, the content information to be paid, and the payment information; A payment processing unit which relays payment processing for content purchases by using the multi-content provider server 34 using cash charged in an E-Money account; A payment settlement unit linked with the collection management unit to process an settlement of an E-Money account and to settle a settlement payment with the multi-content provider server; A user information DB for storing user information, that is, an E-Money account authentication number of the user and password information of the corresponding E-Money account for each user; A tone signal information DB for storing a received tone signal indicating an E-Money account charging signal, authentication information and content selection information, and payment amount information in association with previously stored tone signal information matching information; A payment processing DB for storing payment processing information for content purchase; A payment settlement DB for interworking with the collection management unit to process settlement of an E-Money account and to store information for settlement processing of the payment with the multi-content provider server; A collection information DB for each phone that stores the amount information collected for each phone; User authentication information, cash charging signal, content selection information, transportation card information, payment amount information for E-Money account is received from public telephone terminal, and the corresponding tone signal is interpreted to perform user authentication process. It conducts cash charging for E-Money accounts, performs payment processing for specific contents, transfers the processed payment result information to the public telephone terminal, and processes settlement of the contents of the payment. Provided is a remote payment system using a public telephone terminal, comprising a control unit.

Preferably, the E-Money account of the telephone payment relay server is linked to the financial institution server, the public money, characterized in that it is possible to withdraw the amount of money charged to the E-Money account through a teller or cash dispenser A remote payment system using a telephone terminal is provided.

On the other hand, the present invention comprises a first step of determining whether a public telephone terminal detects a Hang Off signal of the handset; If a Hang Off signal is detected, switching to a standby mode in a service available state; A third step of determining, by the public telephone terminal, whether an E-Money account charging mode selection signal is applied; A fourth step of the public telephone terminal attempting to access a telephone payment relay server; A fifth step in which the public telephone terminal receives the authentication number and the password information of the user's E-Money account and detects the input amount while the connection is maintained; A sixth step of transmitting, by the public telephone terminal, the corresponding charging information to the telephone payment relay server; A seventh step of the telephone settlement relay server processing authentication information of the corresponding user, and performing an update process for the user's E-Money account; An eighth step of transmitting the update information to the public telephone terminal and outputting the screen; There is provided a remote payment method using a public telephone terminal, wherein the public telephone terminal comprises a ninth process of determining whether a hang on signal of a handset is applied.

Preferably, the fourth process includes the step of the public telephone terminal attempting to call the representative representative phone number of the telephone payment relay server; Provided is a remote payment method using a public telephone terminal, characterized in that the telephone payment relay server generates a call connection approval signal.

Preferably, if the content payment mode is selected in the third process, the public telephone terminal 10 step of receiving the authentication number, password information, input amount information of the user's E-Money account; An eleventh step of transmitting the charging information to the telephone settlement relay server; A twelfth step of the telephone settlement relay server processing authentication information of the user and transmitting balance information of the user's E-Money account to the public telephone terminal; A thirteenth step of outputting, by the public telephone terminal, the balance information; A fourteenth step of the public telephone terminal determining whether a payment signal for content purchase through an E-Money account is authorized; A fifteenth step of transmitting, by the public telephone terminal, the user's e-money account information, content information, and payment information to the telephone payment relay server; A sixteenth step of the telephone settlement relay server determining e-money account information, content information, and payment information of the user and performing payment processing for the corresponding content purchase; The telephone payment relay server further comprises a seventeenth process of transmitting the content purchase result information and the balance information of the corresponding E-Money account to the public telephone terminal and outputting the screen. A remote payment method using a telephone terminal is provided.

The remote payment system and method using a public telephone terminal according to the present invention can easily purchase online contents regardless of a place through a transportation card rather than a telephone card, and charges money such as coins or bills in the money account and charges thereof. By using the amount of money, you can easily purchase online contents regardless of the place, and you can use the public phone terminal to perform the cyber piggy bank function, activate the online sales of contents, and increase the convenience for users to purchase the contents. There is an advantage.

EMBODIMENT OF THE INVENTION Hereinafter, this invention is demonstrated in detail with reference to drawings.

1 is a perspective view showing the configuration of a public telephone terminal according to the first embodiment of the present invention, Figure 2 is a schematic diagram showing the configuration of a remote payment system using a public telephone terminal according to the first embodiment of the present invention to be.

Referring to this, the remote payment system using a public telephone terminal according to the first embodiment of the present invention can use a plurality of cards read through the public telephone terminal as a payment means to pay for the purchase or use of contents by remote CP companies. It is a system that makes it possible to easily perform payment for online contents regardless of place by performing data relaying.

To this end, the remote payment system using a public telephone terminal according to the first embodiment of the present invention is a payment process through a number of prepaid and postpaid cards, not credit cards to pay for content purchase or use of remote CP companies. The public telephone terminal 2 is used for reading information of the prepaid and postpaid card and transmitting payment data.

Referring to Figure 1, the public telephone terminal 2 included in the present invention is provided with a case 4 of a hexagonal body constituting its appearance, one side of the case 4, the handset 22 for voice calls ) Is provided, and a safe door 6 for attaching and detaching a safe (not shown) is formed at a predetermined lower portion of the front face.

In addition, the upper part of the vault door 6 is provided with a button unit 8 for service mode selection and incoming call number input, the payment means input unit 10 is provided on the side of the button unit 8 have. The payment means input unit 10 provided in the case 4 generally includes a telephone card input unit 16 for inserting a telephone-only card; Coin input units 12 for injecting coins are formed, respectively, and the coin return unit 14 is provided at the lower end of the coin input unit 12.

At this time, the button unit 8 is provided with a text / number input button 40 for inputting a short message, inputting the number and caller information of the called party's telephone terminal, service selection unit for selecting other services It consists of 42. In addition, the button unit 8 generates a request for transmission of text data input through the alphanumeric input button 40 or a screen display request signal of a received SMS message.

In addition, an incoming call inputted through the service mode information and the button unit 8 selected through the button unit 8 while protruding a predetermined length forward from the case 4 on the upper portion of the payment means input unit 10. A display unit 20 for displaying phone number / caller information and text data, displaying other service modes, and displaying the hang off and hang on states of the handset 22 are provided. It is done.

That is, the public telephone terminal 2 included in the system of the present invention displays the short message received by the user through the display unit 20, the user can confirm the short message to be transmitted through the display unit 20, or the like. The service screen information of is displayed.

On the other hand, the public telephone terminal 2 of the present invention is provided with a card seating portion 18 for mounting a postpaid card on the upper surface of the case 4, the card reader inside the card seating portion 18 A unit (not shown) is provided, and the card reader unit reads card information to purchase content or use amount of payment by remote CP companies.

Of course, the remote payment system using a public telephone terminal according to the first embodiment of the present invention can basically pay the content purchase or use amount of remote CP companies with a coin or a telephone card through the payment means input unit 10. Of course.

In addition, the public telephone terminal 2 of the present invention, so that the category display and the content display provided by the CP company that can select the payment through the display unit 20 therein, and display the payment result information, The payment category information and the content information are stored in the memory in advance, and the tone signal according to the selection of each information is transmitted to the remote telephone payment relay server 30 through the PSTN network together with the code of the corresponding payment category information and the content information. Send it.

Therefore, the remote telephone payment relay server 30 interprets the tone signal transmitted from each public telephone terminal 2 and reads the payment category information, the content information, and the amount information, and the CP company server 36a through the data communication network. And 36b, 36c ...) and the traffic card company server 38, and the resultant signal can be received.

The remote payment system using a public telephone terminal according to the first embodiment of the present invention is characterized in that the user can purchase various Internet contents using a transportation card possessed by the user.

Therefore, the remote payment system using the public telephone terminal according to the first embodiment of the present invention is provided with a card reader unit for detecting the amount of coins put therein, and reading the traffic card information and the balance information, Internet content The public telephone terminal 2a is pre-stored to display the category and content information, and is provided with a payment signal generator (not shown) for generating a tone signal matching the code information for each content information and the user's payment information. 2n) is provided.

In addition, the remote payment system using a public telephone terminal according to the first embodiment of the present invention transmits the payment information to a plurality of content providing server (36a, 36b, 36c ...), the content information and payment result information The multi-content provider server 34 for transmitting to the telephone payment relay server 30 is provided, and the traffic for authentication of the transportation card and its charge processing, and the transfer of money to the telephone payment relay server 30 after payment settlement. The card company server 38 is provided.

On the other hand, the remote payment system using a public telephone terminal according to the first embodiment of the present invention receives the traffic card information and the content payment signal information from the public telephone terminals (2a ~ 2n) as a tone signal and stored the tone signal in advance Recognizes the content information and the amount information to be compared by comparing the content payment code and the tone signal matched with the amount information, processes the purchase payment for the corresponding content, and transmits the corresponding payment information to the multi-content provider server 34. The payment settlement server 30 performs settlement of payment information through the collection information of the public telephone terminals 2a to 2n for a predetermined period and generates a transfer request signal to the traffic casing server 38. It is composed.

In addition, although not shown, the remote payment system using a public telephone terminal according to the first embodiment of the present invention further includes a repeater (not shown) for transmitting a tone signal to the telephone payment relay server 30 through a PSTN network. The telephone payment relay server 30 is a kind of intelligent network server.

In addition, the telephone payment relay server 30 may be largely divided into a payment processing unit, a settlement processing unit, and a storage processing unit according to its function. Each detailed division will be omitted, and the functional division will be made in the following description of the telephone payment relay server 30.

Therefore, the remote payment system using the public telephone terminal according to the first embodiment of the present invention can freely purchase not only a call but also Internet content using a traffic card. This eliminates the hassle of visiting a financial institution separately for internet content purchase and depositing it into an account, and it is very convenient because it can quickly purchase internet content through a plurality of public telephone terminals 2a to 2n installed in various places.

3 is a block diagram showing the configuration of a telephone payment relay server included in a remote payment system using a public telephone terminal according to the first embodiment of the present invention.

Referring to the above, the remote payment system using the public telephone terminal according to the first embodiment of the present invention interworks with a payment card company and an Internet content provider to relay payment processing for purchase of Internet content through a traffic card. Telephone payment relay server 30 is largely a communication module, user information management unit, tone signal analysis unit, collection management unit, payment information reading unit, payment processing unit, payment settlement unit, user information DB, tone signal information DB, payment processing DB, payment It consists of settlement DB, collection information DB by phone, and control unit.

Reference numeral 40 denotes a communication module that receives content selection information, traffic card information, payment amount information from the public telephone terminals 2a to 2n, and is connected to a repeater for transmitting payment result information.

Reference numeral 42 denotes a user information manager which manages user information, that is, traffic card information and payment price information for requesting purchase of specific content, and reference numeral 44 denotes content selection information and traffic card information received through the communication module 40. The tone signal analyzing unit analyzes and compares the tone signal representing the payment amount information by comparing matching information for each tone signal information.

Reference numeral 46 denotes a collection control unit that manages the amount information collected from the public telephone terminals 2a to 2n for settlement processing, and reference numeral 48 denotes a payment to be linked with the tone signal analysis unit 44. And a payment information reading unit for reading the content information and the payment information.

Reference numeral 50 denotes a payment processing unit for relaying payment processing for content purchases through the multi-content provider server 34, and reference numeral 52 is linked to the collection management unit 46 to pay the price paid by a transportation card. The payment settlement part to be settled is shown.

Reference numeral 54a denotes a user information DB that stores user information, that is, traffic card information and payment price information for requesting purchase of specific content, and reference numeral 54b indicates a tone signal indicating content selection information, traffic card information, and payment amount information in advance. Represents a tone signal information DB for storing matching information for each stored tone signal information.

Reference numeral 54c denotes a payment processing DB for storing payment processing information for content purchase, reference numeral 54d denotes a payment settlement DB for processing the payment made with a transportation card and storing the information, and reference numeral 54e denotes a telephone Represents a collection information DB for each phone that stores the amount information collected by each.

Reference numeral 56 receives content selection information, traffic card information, and payment amount information from public telephone terminals 2a to 2n, interprets the corresponding tone signal, performs payment processing for the corresponding content, and displays the processed payment result information. The control unit transmits to the public telephone terminals 2a to 2n, and processes the settlement of the content price which has been settled by the traffic card.

The function and operation of the remote payment system using the public telephone terminal according to the first embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

4A and 4B are flowcharts showing signal flows of a remote payment system using a public telephone terminal according to the first embodiment of the present invention.

First, in the remote payment system using the public telephone terminal according to the first embodiment of the present invention, the public telephone terminals 2a to 2n determine whether a hang off signal of the handset is detected.

As a result of the determination of the public telephone terminals 2a to 2n, when a hang off signal is detected, the mobile phone terminal 2a to 2n is switched to a standby mode in which a service is available. A coin input unit (not shown) and a card reader unit (not shown) Determine whether the payment method is detected.

If a payment means is detected, the public telephone terminals 2a to 2n determine whether the payment means is a coin or a traffic card.

If the payment method is coin, the input amount is detected, and if it is a transportation card, the balance is checked.

In addition, the public telephone terminals 2a to 2n determine whether the selection signal for the call service is applied, and if the call service selection signal is applied, execute the call service, determine whether the call termination signal is applied, and then make the call. Displays balance information after deducting charges.

On the other hand, if the payment service is selected, the public telephone terminals 2a to 2n execute the automatic call connection to the payment representative phone number (for example, 02-123-4567) to connect with the telephone payment relay server 30. , The payment screen is displayed.

On the payment screen, for example, payment category information (1. education, 2. CP money, 3. game, 4. shopping mall, 5. ticket payment, 6. sound source) is output, and a specific category is selected from the payment category information. When the game is selected, the bottom content information of the category (e.g., if a game is selected: 1. Lineage, 2. Kart Rider, 3. Fortress, 4. Lord, 5. Hero Moon, 6. Netmarble, 7. Lynn, 8. Yan, etc.) ) Will be printed.

In addition, if a specific content is selected from the lower content information, a payment amount input window is displayed.If a payment amount is input in the payment amount input window, it is determined whether the corresponding balance can be processed and a payment request signal of the content is generated. The payment request signal is transmitted to the telephone payment relay server 30.

If the balance is insufficient, the service unavailable information is displayed on the screen.

In this case, the various selection signals, payment amount input information, and content information are each composed of tone signals, and the tone signals are transmitted to the telephone payment relay server 30.

In this state, the telephone settlement relay server 30 interprets the corresponding tone signal by extracting information corresponding to each tone signal and determines which content is to be settled and multiplies the payment signal. By transmitting to the content provider server 34, it is possible to transmit a payment request signal for each content providing server (36a, 36b, 36c, ...).

On the other hand, if a modem is configured inside the public telephone terminals 2a to 2n, the public telephone terminals 2a to 2n may perform data communication with the telephone payment relay server 30. The tone signal is not transmitted from the public telephone terminals 2a to 2n to the telephone payment relay server 30.

When the telephone payment relay server 30 receives the payment approval information of the CP company from the multi-content provider server 34, the telephone payment relay server 30 transmits the payment approval information to the public telephone terminals 2a to 2n. To check the payment result information.

In addition, the public telephone terminals 2a to 2n determine whether a hang on signal of a handset is detected, and if a hang on signal is detected, terminate the payment mode and hang on If the On) signal is not detected, the process returns to the eighth step through the A tap.

In addition, the remote payment system using a public telephone terminal according to the first embodiment of the present invention, the telephone payment relay server 30, the traffic card company server 38, the content providing server (36a, 36b, 36c) at a predetermined period of time The settlement processing with the bar is compared to the collection information of the public telephone terminals 2a to 2n and the contents payment information stored in the telephone settlement relay server 30 to be transferred to the content providing servers 36a, 36b, and 36c. And the content payment price and fee is transferred from the traffic card company server 38.

Hereinafter, a remote payment system using a public telephone terminal according to a second embodiment of the present invention will be described in detail with reference to the accompanying drawings.

5 is a block diagram showing the configuration of a telephone payment relay server included in a remote payment system using a public telephone terminal according to a second embodiment of the present invention.

Referring to this, first, the remote payment system using the public telephone terminal according to the second embodiment of the present invention can perform the charging of the money in the public telephone terminal through the money charging account linked with the authentication number pre-assigned for each user, It is a system that makes it possible to make payments for online contents easily regardless of the place by performing data relay so that the CP purchasers can use the charges to purchase or use contents of remote CP companies.

Accordingly, the telephone payment relay server 30 'included in the remote payment system using the public telephone terminal according to the second embodiment of the present invention has an e-money account for each user, and the money (E) -Money The account number and password are matched and stored so that many public phone terminals (2a ~ 2n) can easily put coins or bills and recharge their money in their E-Money account. .

The cash thus charged in the E-Money account can be used to purchase various online contents as in the first embodiment of the present invention.

That is, the public telephone terminals 2a to 2n use various types of online contents by using an e-money pre-charged in an e-money account of a user established in the telephone payment relay server 30 '. It is possible to purchase, through the public telephone terminals (2a ~ 2n) to perform the authentication information input for activating the E-Money account of the user built in the telephone payment relay server 30 ', The telephone payment relay server 30 'performs an authentication process through the authentication information transmitted from the public telephone terminals 2a to 2n to enable the user to enable valid payment of the user's valid E-Money account information. The public phone terminals 2a to 2n display screen information of the user's E-Money account and the CP company's contents information for payment selection.

In addition, the payment request signal for a specific content can be generated through the public telephone terminals (2a ~ 2n) or a personal computer (PC) located in a remote place, a portable terminal, the telephone payment relay server 30 ' The payment request signal for the specific content is received from the terminal to perform the payment processing, and the settlement of the payment costs with the CP company in the future.

Therefore, the telephone payment relay server 30 'included in the remote payment system using the public telephone terminal according to the second embodiment of the present invention includes a communication module, a user information management unit, a tone signal analysis unit, a collection management unit, and an e-mail. (E-Money) account management unit, payment information reading unit, payment processing unit, payment settlement unit, user information DB, tone signal information DB, payment processing DB, payment settlement DB, E-Money account DB, collection information per phone DB, control unit.

Reference numeral 60 receives E-Money account charging information and user authentication information from the public telephone terminals 2a to 2n, and receives money information to be charged, content selection information, traffic card information and payment amount information. Receives, and indicates a communication module connected to the repeater for transmitting the payment result information.

Reference numeral 62 denotes a user information manager for managing the user's authentication information, that is, the user's E-Money account authentication number and the password information of the corresponding E-Money account for each user. Tone for comparing the tone signal representing the charging signal, authentication information and content selection information, payment amount information received by the communication module 60 by comparing the matching information for each tone signal information stored in advance The signal analysis part is shown.

Reference numeral 66 denotes a collection control unit that manages the amount of money collected from the public telephone terminals 2a to 2n for settlement processing, and reference numeral 68 denotes a number of public telephone terminals 2a to 2n. It represents an E-Money account management unit which manages accounts for each user so that coins or paper money can be inputted and cash can be charged to the E-Money account through the input amount information and the authentication number.

Reference numeral 70 denotes a payment information reading unit for reading the amount information and account information to be charged, the content information to be paid, and the payment information in association with the tone signal analyzer 64.

Reference numeral 72 denotes a payment processing unit which relays payment processing for content purchases through the multi-content provider server 34 using cash charged in an E-Money account, and reference numeral 74 denotes the collection. In connection with the management unit 66, the settlement process for the settlement of the E-Money account, and the settlement of payment for the payment with the multi-content provider server 34.

Reference numeral 76a denotes a user information DB that stores user information, that is, user's E-Money account authentication number and password information of the corresponding E-Money account, for each user, and reference numeral 76b indicates a received money. (E-Money) Tone signal information DB stored in association with the tone information indicating the account charge signal, authentication information and content selection information, payment amount information in association with the pre-stored tone signal information.

Reference numeral 76c denotes a payment processing DB that stores payment processing information for content purchase, and reference numeral 76d is linked with the collection management unit 66 to process settlement of an e-money account, and the multi-content pro A payment settlement DB for storing information obtained by settlement of payment with the provider server 34 is indicated, and reference numeral 76e denotes a collection information DB for each telephone storing the amount of money collected for each telephone.

Reference numeral 78 receives the user-specific authentication information, cash charge signal, content selection information, traffic card information, payment amount information for the E-Money account from the public telephone terminal (2a ~ 2n) to interpret the corresponding tone signal Perform the user's authentication process, perform the cash charging on the E-Money account, perform the payment processing for the specific contents, and transfer the processed payment result information to the public telephone terminals 2a to 2n. And a control unit for transmitting and processing settlement of the content price which is subsequently processed.

The function and operation of the remote payment system using the public telephone terminal according to the second embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

6A and 6B are flowcharts showing signal flows of a remote payment system using a public telephone terminal according to a second embodiment of the present invention.

First, FIG. 6A illustrates a charging process for an E-Money account. In the remote payment system using a public telephone terminal according to the second embodiment of the present invention, the public telephone terminals 2a to 2n are used as handsets. It is determined whether a Hang Off signal is detected.

As a result of the determination of the public telephone terminals 2a to 2n, when a hang off signal is detected, the mobile telephone terminals 2a to 2n are switched to the standby mode in which the service is available.

In this state, the public telephone terminals 2a to 2n determine whether the E-Money account charging selection signal is applied, and if the E-Money account charging selection signal is applied, the representative representative phone for charging Attempt to call by number (eg, 02-123-4567).

At this time, the charging representative telephone number (for example, 02-123-4567) is a telephone number for connecting the public telephone terminals 2a to 2n and the telephone payment relay server 30 'through a repeater.

When a call connection is made with the representative representative telephone number for charging, the public telephone terminals 2a to 2n and the telephone settlement relay server 30 'maintain a connection state capable of transmitting a tone signal. In this state, the authentication number and password input window of the E-Money account owned by the user is displayed on the main screens of the public telephone terminals 2a to 2n. The user receives the authentication number and the password information of the user's E-Money account, detects the input amount, and transmits the charging information to the telephone payment relay server 30 '.

Then, the telephone payment relay server 30 'receives the charging information from the public telephone terminals 2a to 2n, processes the authentication information of the user, and updates the user's e-money account. The processing is performed, and the update information is transmitted to the public telephone terminals 2a to 2n to display the screen.

Then, the user can check the charging information for his E-Money account. In this state, the public telephone terminals 2a to 2n determine whether the Hang On signal of the handset is applied, and if the Hang On signal is applied, terminates the charging mode, If no signal is applied, the screen changes to the first service mode screen through the E tab.

6B illustrates a process of performing a purchase payment for online content through an amount charged in an E-Money account.

First, an authentication number and a password input window of an E-Money account owned by a corresponding user are displayed on a payment screen of an E-Money account of the public phone terminals 2a to 2n. 2a to 2n receives the authentication number and the password information of the user's E-Money account, detects the input amount, and transmits the charging information to the telephone settlement relay server 30 '.

Then, the telephone payment relay server 30 ′ receives the corresponding authentication information from the public telephone terminals 2a to 2n to process the authentication information of the corresponding user, and the balance of the user's e-money account. The information is transmitted to the public telephone terminals 2a to 2n to display the screen.

In this state, the public telephone terminals 2a to 2n display content purchase category information and determine whether a payment signal for content purchase through an E-Money account is applied. If the payment signal for the content purchase through the E-Money account is authorized, the public telephone terminals 2a to 2n display the user's E-Money account information, content information and payment information. The call is transmitted to the relay server 30 '.

Then, the telephone payment relay server 30 'interprets the tone signal to determine the user's E-Money account information, content information, and payment information, and performs payment processing for the corresponding content purchase.

The telephone payment relay server 30 'transfers the contents purchase result information and the balance information of the corresponding E-Money account to the public telephone terminals 2a to 2n, and the public telephone terminal 2a. 2n) displays the information on the screen.

In this state, the public telephone terminals 2a to 2n determine whether the Hang On signal of the handset is applied, and if the Hang On signal is applied, terminates the charging mode, If no signal is applied, the screen changes to the first service mode screen through the E tab.

In summary, the remote payment system using the public telephone terminal according to the second embodiment of the present invention uses the public telephone terminal 2a to 2n through an E-Money account established in the telephone payment relay server 30 '. Coin or banknotes can be added to the money so that it functions as a kind of cyber piggy bank. In particular, users who do not want to receive a refund of the remaining balance after making a phone call or Internet content service can easily add the balance to their E-Money account, such as an electronic wallet. In the future, various Internet contents can be purchased.

On the other hand, another example of the present invention can be carried out in the public phone terminal through the money charging account that is linked to the authentication number given in advance for each user, by linking the charge amount with the virtual account of the affiliated financial institution In addition, it is possible to provide a remote payment system using a public telephone terminal that enables the transfer and withdrawal of the money deposited in the public telephone terminal.

That is, through a remote payment system using a public telephone terminal according to the first and second embodiments of the present invention, a specific Internet is provided through a traffic card or an e-money account established in the telephone payment relay server 30 '. The purchase payment can be performed for the content and the charging service for the purchase payment can be performed, but withdrawal was impossible.

However, as another example of the present invention, the telephone settlement relay server 30 'is connected to a financial institution to establish a virtual account at a financial institution, and the amount charged to the telephone settlement relay server 30' through the virtual account. It is also possible to withdraw funds through the window of a financial institution or through a cash machine.

On the other hand, the remote payment system and the method using a public telephone terminal according to an embodiment of the present invention is not limited to the above embodiment, but various modifications can be made within the scope without departing from the technical gist.

1 is a perspective view showing the configuration of a public telephone terminal according to a first embodiment of the present invention;

2 is a schematic diagram showing the configuration of a remote payment system using a public telephone terminal according to a first embodiment of the present invention;

3 is a block diagram showing the configuration of a telephone payment relay server included in a remote payment system using a public telephone terminal according to the first embodiment of the present invention;

4A and 4B are flowcharts showing signal flows of a remote payment system using a public telephone terminal according to the first embodiment of the present invention;

5 is a block diagram showing the configuration of a telephone payment relay server included in a remote payment system using a public telephone terminal according to a second embodiment of the present invention;

6A and 6B are flowcharts showing signal flows of a remote payment system using a public telephone terminal according to a second embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

2a ～ 2n: public telephone terminal, 30,30 ’: telephone payment relay server,

34: multi-content provider server, 36a, 36b, 36c: content providing server,

38: Traffic card company server.

Claims (14)

delete delete delete delete delete delete delete delete To detect the input amount of coins in the inside, to generate the content purchase signal using the charge of the E-Money account and the balance of the E-Money account, and to generate the content purchase payment request signal A telephone terminal; A multi-content provider server for transmitting payment information to a plurality of content providing servers, and transmitting the content information and payment result information to a telephone payment relay server; Each user's money (E-Money) account is built, the authentication number and password for each of the (E-Money) account is matched and stored, so that a number of public telephone terminals easily put coins or bills in their own money (E-Money) is configured as a telephone payment relay server that charges cash to the account, receives the content payment signal information from the public telephone terminal and transmits the corresponding payment information to the multi-content provider server to relay the payment processing. Remote payment system using a public telephone terminal characterized in that. 10. The apparatus of claim 9, wherein the telephone payment relay server receives e-money account charging information and user authentication information from the public telephone terminal, receives money information to be charged, and selects content selection information and payment amount information. A communication module connected to the repeater to receive and transmit payment result information; A user information management unit for managing user authentication information, that is, user's E-Money account authentication number and password information of the corresponding E-Money account for each user; Tone signal analysis unit for comparing the tone signal representing the charging signal, authentication information and content selection information, payment amount information received by the communication module to compare the matching information for each pre-stored tone signal information; ; A collecting manager for managing the amount of money collected from the public telephone terminal for settlement processing; E-Money that manages accounts for each user so that coins or bills can be easily put in a number of public telephone terminals, and the cash can be charged to an E-Money account through the input amount information and authentication number. ) Account management unit; A payment information reading unit for interlocking with the tone signal analyzing unit and reading the amount information and account information to be charged, the content information to be paid, and the payment information; A payment processing unit which relays payment processing for content purchases by using the multi-content provider server 34 using cash charged in an E-Money account; A payment settlement unit linked with the collection management unit to process an settlement of an E-Money account and to settle a settlement payment with the multi-content provider server; A user information DB for storing user information, that is, an E-Money account authentication number of the user and password information of the corresponding E-Money account for each user; A tone signal information DB for storing a received tone signal indicating an E-Money account charging signal, authentication information and content selection information, and payment amount information in association with previously stored tone signal information matching information; A payment processing DB for storing payment processing information for content purchase; A payment settlement DB for interworking with the collection management unit to process settlement of an E-Money account and to store information for settlement processing of the payment with the multi-content provider server; A collection information DB for each phone that stores the amount information collected for each phone; User authentication information, cash charging signal, content selection information, transportation card information, payment amount information for E-Money account is received from public telephone terminal, and the corresponding tone signal is interpreted to perform user authentication process. It conducts cash charging for E-Money accounts, performs payment processing for specific contents, transfers the processed payment result information to the public telephone terminal, and processes settlement of content for future payments. Remote payment system using a public telephone terminal, characterized in that comprising a control unit. 10. The method of claim 9, wherein the E-Money account of the telephone payment relay server is linked with a financial institution server to withdraw money charged to the E-Money account through a teller or cash dispenser. Remote payment system using a public telephone terminal. A first step of determining, by the public telephone terminal, whether a hang off signal of the handset is detected; If a Hang Off signal is detected, switching to a standby mode in a service available state; A third step of determining, by the public telephone terminal, whether an E-Money account charging mode selection signal is applied; A fourth step of the public telephone terminal attempting to access a telephone payment relay server; A fifth step in which the public telephone terminal receives the authentication number and the password information of the user's E-Money account and detects the input amount while the connection is maintained; A sixth step of transmitting, by the public telephone terminal, the corresponding charging information to the telephone payment relay server; A seventh step of the telephone settlement relay server processing authentication information of the corresponding user, and performing an update process for the user's E-Money account; An eighth step of transmitting the update information to the public telephone terminal and outputting the screen; And a ninth process of determining, by the payphone, whether a hang on signal of a handset is applied. 13. The method of claim 12, wherein the fourth process comprises: the public telephone terminal attempting to call a representative representative telephone number of the telephone payment relay server; The telephone payment relay server is a remote payment method using a public telephone terminal, characterized in that the process consisting of generating a call connection approval signal. The method of claim 12, wherein if the content payment mode is selected in the third process, the public telephone terminal receives the authentication number, the password information, and the input amount information of the user's E-Money account. and; An eleventh step of transmitting the charging information to the telephone settlement relay server; A twelfth step of the telephone settlement relay server processing authentication information of the user and transmitting balance information of the user's E-Money account to the public telephone terminal; A thirteenth step of outputting, by the public telephone terminal, the balance information; A fourteenth step of the public telephone terminal determining whether a payment signal for content purchase through an E-Money account is authorized; A fifteenth step of transmitting, by the public telephone terminal, the user's e-money account information, content information, and payment information to the telephone payment relay server; A sixteenth step of the telephone settlement relay server determining e-money account information, content information, and payment information of the user and performing payment processing for the corresponding content purchase; The telephone payment relay server further comprises a seventeenth process of transmitting the contents purchase result information and the balance information of the corresponding E-Money account to the public telephone terminal and outputting the screen. Remote payment method using a terminal.

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