KR100975552B1 - Method and system of payment processing through voice call channel - Google Patents

Abstract

The present invention relates to a method and system for processing payment through a voice call channel and a recording medium therefor, the method for processing payment through a voice call channel according to the present invention connects a voice call channel in a VoIP terminal equipped with a card reader. And checking whether a payment means request sound code encoded sound signal (or a trigger sound signal) is received through the voice call channel, and if the sound signal is confirmed, output a card reading request screen and activate the card reader. And, when the card is read through the card reader, generates payment means information including the read card number, and encodes the payment means information by combining the payment means information and a checksum digit for the payment means information. Generating a sound signal and transmitting the generated payment means information sound signal to the voice call; Connecting to a voice call channel at a VoIP terminal equipped with a card reader, and confirming that a payment means request sound code (or trigger sound) is received through the voice call channel; When the request sound code (or trigger sound) is confirmed, outputting a card reading request screen, activating the card reader, and when the card is read through the card reader, payment means information including the read card number. Generating a payment means information sound code by encoding the payment means information and a checksum digit for the payment means information according to a preset sound encoding scheme; and generating the generated payment means information sound code in the voice call. Transmitting over a channel.

Voice, call, channel, payment

Description

Method and system for processing payment through voice call channel {System and Method for Payment by Using Voice Telephone Channel}

1 is a diagram illustrating a functional configuration of a VoIP terminal having a payment processing function through a VoIP voice call channel according to an embodiment of the present invention.

2 is a diagram illustrating a payment processing system configuration through a VoIP voice call channel according to an embodiment of the present invention.

3 is a diagram illustrating a payment intention display process for payment processing through a VoIP voice call channel according to an embodiment of the present invention.

4 is a diagram illustrating a payment intention display process for payment processing through a VoIP voice call channel according to an embodiment of the present invention.

5 is a diagram illustrating a payment means information sound code transmission process for payment processing through a VoIP voice call channel according to an embodiment of the present invention.

6 is a diagram illustrating a full text generation process for payment processing through a VoIP voice call channel according to an embodiment of the present invention.

7 is a diagram illustrating a payment processing process through a VoIP voice call channel according to an embodiment of the present invention.

8 is a diagram illustrating a payment processing system configuration through a VoIP voice call channel according to another embodiment of the present invention.

9 is a diagram illustrating a payment intention display and a call channel switching process for payment processing through a VoIP voice call channel according to another embodiment of the present invention.

FIG. 10 is a diagram illustrating a payment means information generation process for payment processing through a VoIP voice call channel according to another embodiment of the present invention.

11 is a diagram illustrating a payment means information sound code transmission process for payment processing through a VoIP voice call channel according to another embodiment of the present invention.

12 is a diagram illustrating a full text generation process for payment processing through a VoIP voice call channel according to another embodiment of the present invention.

13 is a diagram illustrating a payment processing process through a VoIP voice call channel according to another embodiment of the present invention.

<Description of main parts of drawing>

100: VoIP terminal 105: control unit

110: card reader 115: screen output

120: key input unit 125: sound processing unit

130: memory unit 135: communication processing unit

140: security application module 145: power supply

150: channel switching confirmation unit 153: call channel switching unit

155: payment method request confirmation unit 157: card reading request unit

160: information generating unit 163: interface output unit

165: password input unit 167: sound code generation unit

170: sound code transmission unit 175: encryption unit

180: ARS server for payment

The present invention connects an over-voice call channel between a VoIP terminal equipped with a card reader and a server, and remotely activates a card reader provided in the VoIP terminal by using a sound signal exchanged through the voice call channel to perform card payment. If the payment intention is indicated through processing, transmitting a payment means request sound code (or trigger sound) to the VoIP terminal through the voice call channel; and through the card reader at the VoIP terminal through the voice call channel. Receiving payment means information including a reading card number and a payment means information sound code encoding a checksum digit for the payment means information according to a preset sound encoding method; and receiving the payment means information sound from the voice call channel. Separating and extracting code, and decoding the extracted payment means information sound code. Extracting the payment means information and the checksum digit, checking the validity of the payment means information through the checksum digit, and if the validity of the payment means information is verified, processing the payment through the payment means. It relates to a payment processing method and system through a voice call channel comprising the step.

Methods of remotely processing payment through a communication network include an online payment using an open network, an internet payment, a wireless payment using a closed network, a mobile payment using a public switched telephone network (PSTN), and the like.

Here, the online payment using the Internet, which is an open network, processes payment by attaching various security elements (for example, various encryption modules and certificates) in preparation for hacking such as sniffing through the open network.

In addition, wireless payment using a data channel of a mobile communication network, which is a closed network, handles payment based on a subscriber (or wireless terminal) authentication of a carrier, and recently, an IC chip (or universal subscriber) provided in a wireless terminal. Payment process is handled using Identity Module)) as a security element.

Finally, the phone payment using the voice communication channel and PSTN of the mobile communication network, which is a closed network, is based on a communication characteristic that the user cannot interfere with the circuit except the two parties and the carrier connected by the circuit switched communication structure. The payment is processed by calling the card number by voice or by transmitting and receiving the card number using a dual tone multi frequency (DTMF) signal.

Recently, a Voice over Internet Protocol (VoIP) service for carrying and transmitting voice data on the open network has been commercialized.

However, although the VoIP service provides a voice call channel like the mobile communication network or the PSTN, the voice call channel is connected through an open network instead of a closed network, and thus there is a risk of being exposed to hacking such as sniffing. Bansa, credit card companies, and financial companies that remain and are responsible for payment by the company are basically blocking phone payment through VoIP.

However, due to the advantage of being able to handle payments conveniently after displaying a voice intention without having a special security element, many users want to make a phone payment through VoIP, but in the present situation, Payment payment involves a problem that there is no special solution other than the security of the online payment level in the VoIP.

An object of the present invention for solving the above problems is to output a card reading request screen to the VoIP terminal through a sound signal exchanged through a voice call channel connected between the server and the VoIP terminal equipped with a card reader to the VoIP terminal It is to provide a method and system for remotely activating an equipped card reader.
Another object of the present invention is to provide a method and system for encoding payment means information read through the card reader to a sound signal exchanged through the voice call channel in the VoIP terminal to be delivered to the server.
A connection means for transmitting a payment means request sound code (or a trigger sound) to the VoIP terminal through the voice call channel when the payment intention is indicated through the voice call channel; A receiving means for receiving payment means information including a card number read through the card reader at the terminal and a payment means information sound code encoded with a checksum digit for the payment means information according to a preset sound coding scheme; Extracting means for extracting and extracting the payment means information sound code from the call channel, decoding the extracted payment means information sound code, and extracting payment means information and a checksum digit; and the payment means information through the extracted checksum digits; Validation means for verifying the validity and the payment method information When the validity is confirmed, to provide a billing system, through the voice call channel containing the settlement processing means for processing the payment through the payment method.

In the payment processing method through a voice call channel according to the present invention, a voice signal (or trigger sound signal) is connected to a voice call channel in a VoIP terminal equipped with a card reader, and a payment means request sound code is encoded through the voice call channel. ), If the sound signal is confirmed, outputting a card reading request screen and activating the card reader, and if the card is read through the card reader, the read card number including the read card number. Generating payment means information and generating a payment means information sound signal encoded by combining the payment means information and a checksum digit for the payment means information; and generating the generated payment means information sound signal into the voice call channel. Transmitting through.
In addition, in the payment processing method through the voice call channel according to the present invention, the payment means information, the expiration date information read through the card reader, the card holder English name, key input password more than one, Bansa encryption A key, an encryption key of a card company, and an encryption key of a financial company may be encrypted and encoded in the payment means information sound signal.
In the payment processing method through a voice call channel according to the present invention, a payment processing method through a voice call channel of a server connecting a voice call channel with a VoIP terminal equipped with a card reader, the payment intention signal through the voice call channel Receiving a sound signal (or a trigger sound signal) encoded with a payment means request sound code through the voice call channel, and receives payment means information from the VoIP terminal through the voice call channel. Receiving a payment means information sound signal encoded by combining a checksum digit for the payment means information, extracting payment means information and a checksum digit by decoding the payment means information sound signal, and through the checksum digit Checking the validity of the payment means information; If the validity is confirmed, the step of processing the payment through the payment means.
The payment processing system through a voice call channel according to the present invention is provided in a server connecting a voice call channel with a VoIP terminal equipped with a card reader, and when a payment intention signal is received through the voice call channel, the voice call channel. Transmitting means for transmitting a sound signal (or a trigger sound signal) encoded with a payment means request sound code to the VoIP terminal through;
A receiving means for receiving a payment means information sound signal encoded by combining payment means information and a checksum digit for the payment means information from the VoIP terminal through the voice call channel; Extraction means for extracting information and checksum digits, Validation means for confirming the validity of the payment means information through the extracted checksum digits, and if the validity of the payment means information is confirmed, payment through the payment means It includes a payment processing means for processing.
In the payment processing method through a voice call channel according to the present invention, a voice call channel is connected to a VoIP terminal equipped with a card reader, and a payment means request sound code (or trigger sound) is received through the voice call channel. And if the payment method request sound code (or trigger sound) is confirmed, outputting a card reading request screen, activating the card reader, and when the card is read through the card reader, the read card number Generating payment means information including a payment method, encoding payment means information and a checksum digit for the payment means information according to a preset sound encoding method, and generating payment means information sound codes; And transmitting a sound code through the voice call channel. Gong.
According to the present invention, the payment means information, characterized in that it further comprises one or more of the expiration date information read through the card reader, the card holder English name, key input password.
According to the present invention, the payment means information is characterized in that the encryption of the company's encryption key, Bansa's encryption key, or financial company's encryption key.
On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the payment processing method through the voice call channel described above.
On the other hand, in the payment processing method through the voice call channel according to the present invention, if the voice call channel is connected to the VoIP terminal equipped with a card reader, and the payment intention is indicated through the voice call channel, Transmitting a payment means request sound code (or trigger sound) to the VoIP terminal; and the payment means information and the payment means information including the card number read through the card reader in the VoIP terminal through the voice call channel. Receiving a payment means information sound code encoded for the checksum digit according to a preset sound encoding method, separating and extracting the payment means information sound code from the voice call channel, and extracting the extracted payment means information sound code Extracting the payment means information and the checksum digit by decoding; And confirming the validity of the payment means information and processing the payment through the payment means when the validity of the payment means information is confirmed.
On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the payment processing method through the voice call channel described above.
On the other hand, in the payment system through the voice call channel according to the present invention, if the voice call channel is connected to the VoIP terminal equipped with a card reader, and the payment intention is indicated through the voice call channel, the VoIP call through the voice call channel A payment means for transmitting a payment means request sound code (or a trigger sound) to the terminal, the payment means information including the card number read through the card reader in the VoIP terminal through the voice call channel and the payment means information. A receiving means for receiving payment means information sound codes encoded for a checksum digit according to a predetermined sound coding scheme; separating and extracting the payment means information sound codes from the voice call channel, and extracting the extracted payment means information sound codes Extracting means for extracting the payment means information and the checksum digit by decoding the code; Validation means for confirming the validity of the payment means information through the island digit and the validity of the payment means information, characterized in that it comprises a payment processing means for processing the payment through the payment means.

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Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. 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 a system that is commonly provided in the art to which the present invention belongs The functional configuration is omitted as much as possible, and will be mainly described for the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

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

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

1 is a diagram illustrating a functional configuration of a VoIP terminal 100 having a payment processing function through a VoIP voice call channel according to an embodiment of the present invention.

In more detail, FIG. 1 includes a card reader in a VoIP terminal 100 that provides a voice call and data communication service through a VoIP communication network, and transmits and receives payment means information read through the card reader through a VoIP voice call channel. As a method for implementing a VoIP terminal 100 having a function of remote payment processing by a person having ordinary skill in the art to which the present invention pertains, a VoIP voice call channel is described with reference to FIG. Although it is possible to infer the configuration of various types of VoIP terminal 100 having a payment processing function through the present invention, the present invention includes all the inferred implementation methods, and only the implementation method shown in FIG. The technical features are not limited.

Referring to FIG. 1, the VoIP terminal 100 basically includes a control unit, a memory unit 130, a card reader unit 110, a key input unit 120, a screen output unit 115, and a sound processing unit 125. And a security application module 140 and a power supply unit 145 for supplying power to the VoIP terminal 100, and a VoIP gateway (or gatekeeper) through a VoIP communication network connected to the VoIP terminal 100. And a communication processing unit 135 for connecting the VoIP communication channel, and may further comprise at least one terminal function unit (not shown) according to the intention of a person skilled in the art.

The controller controls the overall operation of the VoIP terminal 100 in terms of function configuration, manages the flow of information or data between components, and is provided in the VoIP terminal 100 for a payment processing function through the VoIP voice call channel. And at least one processor and an execution memory (for example, a register or a RAM) including a central processing unit (CPU) and a micro processing unit (MPU) in hardware. Random Access Memory)) and a bus for inputting and outputting predetermined data, and from a predetermined recording medium to the execution memory in order to perform a function specific to the VoIP terminal 100 by software. Contains a predetermined program routine or program data loaded and computed by the processor ( Therefore, a software program may be used to process a predetermined program recorded on a recording medium provided in the VoIP terminal 100 or a functional configuration provided in the VoIP terminal 100 for a payment processing function through the VoIP voice call channel. Possible components are shown as provided in the present control unit).

According to an exemplary embodiment of the present invention, the control unit may include components (for example, the memory unit 130, the card reader unit 110, the key input unit 120, and the screen output unit 115) provided in the VoIP terminal 100. ) And the security application module 140 and the communication processing unit 135, or a terminal function unit (not shown) according to the intention of the skilled person) to provide a payment service defined in the VoIP terminal 100. And managing, as well as controlling the components provided in the VoIP terminal 100 for interworking voice call-based remote payment, or recording provided in the VoIP terminal 100 for the voice call-based remote payment. It is preferable to execute the program recorded on the medium.

The memory unit 130 may input / output information when an operation by a predetermined program routine (or code) or program data (eg, a program routine (or code)) for controlling the overall operation of the VoIP terminal 100 is performed. General term for non-volatile memory for storing data, including at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EPEROM) or Flash Memory (FM) or Hard Disk Drive (HDD). It is characterized in that the predetermined program routine and program data (for example, data input or output for the program routine to perform a predetermined function) required for the control unit to perform a predetermined control function is stored.

According to an exemplary embodiment of the present invention, the memory unit 130 may include payment means information generated for a payment processing function through the VoIP voice call channel, from an bansa encryption key, a card company encryption key, or a financial company encryption key. It is desirable to store an encryption key for encrypting with either encryption key.

The user of the VoIP terminal 100 may be an MS (Magnetic Stripe) card based on ISO / IEC 7810 standard, or a contact IC card (or wireless IC chip) based on ISO / IEC 7816 standard, or ISO / IEC 14443 standard. Has a (or owns) a card including at least one contactless IC card (or wireless IC chip) based on the card reader, and the card reader 110 reads at least one or more information or data included in the card. It provides a interface for.

According to the method of the present invention, the card reader unit 110 is an MS reader unit that provides an interface between the MS card and the VoIP terminal 100, or an interface between the contact IC card and the VoIP terminal 100. It comprises a contact IC reader unit for providing, or a contactless IC reader unit for providing an interface between the contactless IC card and the VoIP terminal 100.

The MS reader unit is a card reader unit 110 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data to the VoIP terminal 100 from at least one or more tracks provided in the MS of the MS card using the loaded.

The contact IC reader unit is a card reader unit 110 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. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the VoIP terminal (100).

The contactless IC reader unit is a card reader unit 110 based on ISO / IEC 14443, and includes at least one or more electrical contacts in contact with the contactless IC card by using capacitive coupling or inductive coupling. It includes an antenna, and supplies power to the IC chip of the IC card through the antenna, and transmits predetermined information or data from the IC chip through the half duplex transaction using APDU (VoIP terminal) Interfacing to 100).

According to the method of the present invention, the card reader unit 110 is provided with predetermined card information (eg, provided in the card) from at least one or more card reader units 110 for the payment service defined in the VoIP terminal 100. 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), and from the at least one card for the voice call-based remote payment. It is desirable to read predetermined card information.

According to the method of the present invention, the card information preferably comprises at least one or more card number and expiration date information and card issuer information corresponding to the customer payment means, the card number is a credit card number, check card It is preferable to include at least one or more numbers, prepaid card number.

Alternatively, the card information comprises at least one account number (or card number) and financial company information corresponding to the customer financial means, wherein the account number includes at least one real account number, virtual account number Preferably, the card number includes at least one of a cash card number, a debit card number, and a check card number.

The key input unit 120 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Detects information (or signal) inputted from the device, and receives predetermined information (or signal) from a predetermined key button provided in the key input device in a specific input mode or operation mode of the VoIP terminal 100 controlled by the controller. ) Is input, generates a key event corresponding to the input information (or signal), and provides the generated key event to the controller, wherein the controller is a current input of the VoIP terminal 100. A command for acquiring predetermined key data corresponding to the key event in a mode or an operation mode, or for executing a predetermined function defined in correspondence with the key event; Characterized in that the gains. The key input unit 120 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the VoIP terminal 100.

The key input device interoperating with the key input unit 120 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a letter key (for example, an English letter key or a Korean letter key) and a function. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to an embodiment of the present invention, the key input unit 120 performs a function of key input means for receiving at least one or more key data required to be input from the key input device for a payment processing function through a VoIP voice call channel. It is desirable to.

According to an exemplary embodiment of the present invention, a key input device corresponding to the key input unit 120 may use a hot key for voice call-based remote payment in an initial mode, a voice call mode, or a data communication mode in an operation mode of the VoIP terminal 100. It is preferable to comprise (Hot Key).

The screen output unit 115 includes a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller in the process of the VoIP terminal 100 performing a predetermined function (for example, a payment processing function). At least one information or data that is predefined or defined in real time to be output to a predetermined screen output device through a predefined interface screen, wherein the screen output unit 115 and the screen output device interoperate with each other To perform the function of the screen output means provided in the VoIP terminal 100.

The predefined information or data to be output from the VoIP terminal 100 to the screen output device may be provided by key data input through the key input unit 120 or a component provided in the VoIP terminal 100. At least one of information (or data) stored or generated, information (or data) transmitted / received through the communication processing unit 135, or information (or data) corresponding to a predetermined operation result performed by the VoIP terminal 100. This includes the above.

According to a preferred embodiment of the present invention, the screen output unit 115 outputs a payment processing function processing screen through at least one VoIP voice call channel output to the screen output device for a payment processing function through a VoIP voice call channel. It is preferable to perform the function of the screen output means.

The sound processor 125 is a function component that processes input and output of sound in the voice call mode of the VoIP terminal 100. The sound processor 125 decodes at least one encoded sound data (or voice data) to decode the VoIP terminal. Or a vocoder and a codec for encoding and encoding a sound signal output through a speaker provided in the 100 or through a microphone provided in the VoIP terminal 100. It features.

The communication processing unit 135 connects a VoIP communication channel (eg, a VoIP based voice channel or a VoIP based data channel) between the VoIP terminal 100 and the VoIP gateway (or gatekeeper). The ARS server 180 for payment on a communication network (or telephone network) and an ARS (Automatic Response Service) based voice call channel are connected through a gateway (or gatekeeper).

The Secure Application Module (SAM) 140 is a confidentiality or authentication or integrity required for the VoIP terminal 100 to perform the voice call-based remote payment. As a safety device for performing security requirements including nonrepudiation and the like in a secure and reliable structure within the VoIP terminal 100 without using an authentication server (not shown) on a payment network, the VoIP terminal Encrypting or decrypting a predetermined message (information or data) processed in the course of the 100 performing a predetermined security request function (e.g., electronic payment or payment function), and preventing forgery (or tampering) of the message. Adding an authenticator or storing important information in the process of performing the security request function. .

In general, the security application module 140 is preferably composed of a predetermined security application module 140 inserter and the security application module 140 chip, the security application module 140 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 140 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the VoIP terminal 100 to perform a predetermined security request function ) Or key (e.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, Authorization 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 / remove command) It is preferable to comprise a).

Referring to FIG. 1, the VoIP terminal 100 communicates the current call channel (or communication channel) of the VoIP terminal 100 with the VoIP terminal 100 via the VoIP gateway (or gatekeeper). The channel switching confirmation unit 150 for checking whether to switch to the voice call channel between the payment ARS server 180 on the telephone network) and the voice call channel switching between the VoIP terminal 100 and the ARS server 180 for payment. And a call channel switching unit 153 for converting and connecting a current call channel (or communication channel) of the VoIP terminal 100 to a voice call channel between the VoIP terminal 100 and the ARS server 180 for payment. Characterized in that made.

According to an exemplary embodiment of the present invention, the ARS server 180 for payment on the communication network (or telephone network) may make a voice call with the VoIP terminal 100 through a VoIP gateway (or gatekeeper) provided on the VoIP communication network. ARS server of a store (or affiliated store) provided on a communication network (or telephone network) to which a channel is connected, or a call center system of the store (or affiliated store).

If the payment ARS server 180 is an ARS server or a call center system of the store (or affiliated store), the VoIP terminal 100 is connected to the VoIP gateway (or gatekeeper) for the voice call-based remote payment. The payment intention is displayed by connecting the voice call channel with the ARS server 180 for payment of the store (or affiliated store), and in this case, the VoIP terminal 100 displays the payment intention with the VoIP terminal 100 indicating the payment intention. It is preferable to provide a payment processing function through the VoIP voice call channel by using the voice call channel between the ARS server 180 as it is, wherein the channel switching confirmation unit 150 is the VoIP terminal 100 and payment It is characterized in that it is confirmed that the voice call channel between the ARS server 180 for switching.

According to another embodiment of the present invention, the payment ARS server 180 on the communication network (or telephone network), the voice over the VoIP terminal 100 and the voice over the VoIP gateway (or gatekeeper) provided on the VoIP communication network It characterized in that it comprises an ARS server of the bansa or card company (or financial company) provided on the communication network (or telephone network) to which the call channel is connected, or the call center system of the bansa or card company (or financial company).

When the ARS server 180 for payment is an ARS server of a bansa or a card company (or a financial company) or a call center system, the VoIP terminal 100 is configured for the voice call-based remote payment for the VoIP gateway (or gatekeeper). Through the ARS server of the store (or affiliated store) and the voice call channel connected to display the payment intention, in this case, the channel switching confirmation unit 150 displays the payment terminal and the VoIP terminal 100 and the store ( Alternatively, the voice call channel between the ARS servers of the affiliated stores is characterized in that the voice call channel is switched between the VoIP terminal 100 and the ARS server 180 for payment of the bansa or card company (or financial company).

When the channel switching confirmation unit 150 confirms the current call channel (or communication channel) of the VoIP terminal 100 to switch the voice call channel between the VoIP terminal 100 and the payment ARS server 180, the call The channel switching unit 153 is a voice call channel between the VoIP terminal 100 and the ARS server 180 for payment through a VoIP gateway (or gatekeeper) for the current call channel (or communication channel) of the VoIP terminal 100. It is characterized by switching to and connecting.

Referring to FIG. 1, when the VoIP terminal 100 confirms the voice call channel connection (or switching) between the VoIP terminal 100 and the ARS server 180 for payment, the ARS for payment is performed through the voice call channel. When the payment method request sound code (or trigger sound) and the payment method request sound code (or trigger sound) are checked to determine whether a payment method request sound code (or trigger sound) is received from the server 180, the screen output unit ( When the card information is read through the card reading request unit 157 for outputting the card reading request screen and activating the card reader unit 110 and the card reader unit 110, the read card An information generation unit 160 for generating payment means information including a card number corresponding to the information; and encoding a checksum digit for the payment means information and the payment means information according to a preset sound encoding method to make a payment. Including a sound code transmission unit 170 for transmitting the sound code generator 167 and the generated payment means information sound code that generates a single sound code information via the voice channel, characterized in that formed.

According to the present invention, the VoIP terminal 100, when the card information is read through the card reader unit 110, the interface output unit 163 for outputting a password input interface through the screen output unit 115 and And a password input unit 165 for inputting a password corresponding to the card information through the password input interface in association with the key input unit 120. When the password is input, the information generation unit 160 is characterized in that for generating payment means information further comprising the input password.

According to the present invention, the VoIP terminal 100 further includes an encryption unit 175 for encrypting the payment means information with any one of an encryption key of a ban company, an encryption key of a card company, or an encryption key of a financial company. Characterized in that made.

It is confirmed that the voice call channel is connected between the VoIP terminal 100 and the payment ARS server 180 by the channel switching confirmation unit 150 or the VoIP terminal 100 by the call channel switching unit 153. When the current call channel (or communication channel) is switched to the voice call channel between the VoIP terminal 100 and the payment ARS server 180, the payment means request confirmation unit 155 is associated with the communication processing unit 135 Preset sound encoding between the VoIP terminal 100 and the payment ARS server 180 from the payment ARS server 180 through a voice call channel between the VoIP terminal 100 and the payment ARS server 180 And confirming whether a payment means request sound code encoded according to the method is received from the ARS server 180 for payment through a voice call channel between the VoIP terminal 100 and the ARS server for payment 180. Receive payment method sound code Side, check the requested payment method 155 is characterized in that it is determined that the payment means information of the VoIP terminal 100, the user (or client) request from the ARS server 180 for the billing.

Here, the payment means request sound code, the payment means request confirmation unit 155 is the payment means information of the user (or customer) of the VoIP terminal 100 from the ARS server 180 for payment connected to the voice call channel A background sound transmitted and received through the voice call channel by encoding a series of payment means request information for recognizing that the request is made according to a preset sound coding scheme between the VoIP terminal 100 and the payment ARS server 180. It is preferable to include sound data superimposed on (or voice sound).

According to the exemplary embodiment of the present invention, the payment means request confirmation unit 155 may transmit a payment means request sound code superimposed on the background sound (or voice sound) among sound data received and decoded through the communication processor 135. By separating and detecting, it is preferable to confirm that the payment means request sound code has been received from the ARS server 180 for payment through the voice call channel.

According to another exemplary embodiment of the present invention, the payment means request confirmation unit 155 is connected to the communication processing unit 135 and the payment through the voice call channel between the VoIP terminal 100 and the payment ARS server 180. It is possible to check whether a trigger sound of a predetermined sound frequency is received between the VoIP terminal 100 and the payment ARS server 180 from the ARS server 180 for receiving the ARS server 180 and the VoIP terminal 100. When the trigger sound is received from the ARS server 180 for payment through a voice call channel between the ARS servers 180 for payment, the payment method request confirming unit 155 receives the VoIP from the ARS server 180 for payment. Characterized by confirming that the payment method information of the user (or customer) terminal 100 is requested.

Here, the trigger sound is in addition to the encoding payment means request sound code according to a sound encoding scheme set between the VoIP terminal 100 and the payment ARS server 180, the payment means request confirmation unit 155 is the voice call Sending and receiving sound data through the voice call channel to a specific sound frequency band to recognize that the payment method information of the user (or customer) of the VoIP terminal 100 is requested from the ARS server 180 for payment connected to the channel. It is preferable to include the superimposed on the background sound (or voice sound).

According to the exemplary embodiment of the present invention, the payment means request confirmation unit 155 triggers a specific sound frequency band superimposed on the background sound (or voice sound) among sound data received and decoded through the communication processing unit 135. By separating and detecting the sound, it is preferable to confirm that the trigger sound is received from the ARS server 180 for payment through the voice call channel.

When the payment means request sound code (or trigger sound) is received from the payment ARS server 180 to which the voice call channel is connected, and it is confirmed that payment means information of the user (or customer) of the VoIP terminal 100 is requested, The card reading request unit 157 outputs a card reading request screen through the screen output unit 115 and activates the card reader unit 110 to process card information including a card number from a customer card to be read. do.

When card information is read through the card reader 110, the information generating unit 160 generates payment means information including a card number corresponding to the read card information.

According to an exemplary embodiment of the present invention, when the read card information includes the expiration date information (for example, cash card / debit card can be omitted) to the card holder English name, the information generating unit 160 ) Preferably generates payment means information including one or more of the expiration date information and the cardholder's English name in the card number corresponding to the read card information.

According to the exemplary embodiment of the present invention, when card information is read through the card reader unit 110, the interface output unit 163 inputs a password corresponding to the card information through the screen output unit 115. And outputting a password input interface. In response, the password input unit 165 inputs a password corresponding to the card information through the password input interface in association with the key input unit 120. .

When a password corresponding to the card information is input, the information generating unit 160 preferably generates payment means information including the password in a card number corresponding to the read card information.

According to another exemplary embodiment of the present invention, the payment means request sound code (or trigger sound) is received from the ARS server 180 for payment connected to the voice call channel, so that the user (or customer) of the VoIP terminal 100 receives a payment. When it is confirmed that the means information is requested, the interface output unit 163 may output the payment means input interface including the card number through the screen output unit 115, in which case the payment means input interface Through the card number, payment means information including one or more of the expiration date information, card holder English name, password can be input.

When the payment means information is generated through the information generation unit 160, the encryption unit 175 is linked to the memory unit 130 in accordance with the card number included in the payment means information, Bansa encryption key, or Checking the encryption key of any one of the card company's encryption key, or financial company's encryption key, and encrypting the payment means information with the identified encryption key, it can be omitted according to the intention of those skilled in the art.

According to an embodiment of the present invention, when the card number included in the payment means information is a credit card number, the encryption unit 175 converts the payment means information into the encryption key of the bansa or the encryption key of the card company. It is desirable to encrypt via one encryption key.

According to another exemplary embodiment of the present invention, when the card number included in the payment means information is a cash card number, a debit card number, or an account number, the encryption unit 175 converts the payment means information into the cash card, It is preferable to issue a debit card or to encrypt it using an encryption key of a financial company in which the account is opened.

According to another embodiment of the present invention, when the payment means information is encrypted through the encryption unit 175 (for example, when encrypted with an encryption key that cannot be decrypted by the payment ARS server 180), the payment The means information may further include a payment means identifier for identifying the type of payment means corresponding to the card number in the payment ARS server 180, by which the present invention is not limited.

When the payment means information is generated through the information generator 160 or the payment means information is encrypted through the encryption unit 175, the sound code generator 167 checks the payment means information. To generate a digit.

Here, the checksum digit includes a digit for verifying that the payment means information (or encrypted payment means information) received through the sound code is valid in the ARS server 180 for receiving the payment means information. It is preferable.

Those skilled in the art will be familiar with the various algorithms for generating the checksum digits, and thus detailed descriptions thereof will be omitted.

When the checksum digit for the payment means information is generated, the sound code generation unit 167 converts the generated payment means information and the generated checksum digit between the VoIP terminal 100 and the ARS server 180 for payment. It is characterized by generating a payment method information sound code by encoding in accordance with a preset sound coding scheme.

Here, the payment means information sound code can be easily superimposed on the background sound (or voice sound) transmitted and received through the voice call channel connected between the VoIP terminal 100 and the payment ARS server 180, the payment ARS The server 180 is preferably encoded in a sound frequency band that can easily separate and extract the payment means information sound code from the background sound (or voice sound).

When the payment means information sound code including the payment means information and the checksum digit is generated by the sound code generation unit 167, the sound code transmitter 170 transmits the generated payment means information sound code to the VoIP terminal. By easily superimposing the background sound (or voice sound) transmitted and received through the voice call channel connected between the 100 and the payment ARS server 180, the payment means information sound code is transmitted to the payment ARS server 180 It is characterized by.

2 is a diagram illustrating a payment processing system configuration through a VoIP voice call channel according to an embodiment of the present invention.

In more detail, FIG. 2 connects a voice call channel with a payment server ARS server 200 of a store (or an affiliated store) in the VoIP terminal 275 shown in FIG. 1 and displays a payment intention through the voice call channel. Then, the ARS server 200 for payment of the store (or affiliated store) requests payment means information from the VoIP terminal 275 through the voice call channel, and in response, the store ( Or transmits the payment means information sound code generated by encoding payment means information according to a preset sound encoding method through a voice call channel connected to the payment ARS server 200 of the affiliated store to the payment ARS server 200. After the payment ARS server 200 decodes and extracts the payment means information sound code according to the sound coding scheme, the payment means information is included, and includes the payment means information. The present invention relates to a system configuration for generating a payment approval request full text and processing payment corresponding to the indicated payment intention, and those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods (e.g., implementation methods omitted, subdivided, or combined) of the payment processing system configuration through the VoIP voice call channel may be inferred. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the payment processing system through the VoIP voice call channel includes a VoIP communication network connected to the VoIP terminal 275 and the VoIP terminal 275 shown in FIG. Connects the voice call channel with the VoIP terminal 275 through the VoIP gateway (or gatekeeper) and the VoIP gateway (or gatekeeper), and makes a payment intention through the voice call channel at the VoIP terminal 275. If so, the payment means information is requested to the VoIP terminal 275 through the voice call channel, and the voice terminal is connected to the payment ARS server 200 of the store (or affiliated store) in the VoIP terminal 275 in response thereto. When the payment means information sound code generated by encoding payment means information according to a preset sound coding scheme is transmitted through a call channel, the payment means information according to the sound coding scheme. After the sound code is decoded to separate and extract the payment means information, the payment ARS server 200 for generating a payment approval request message including the payment means information to process the payment corresponding to the displayed payment intention includes; And a bansa server 260 for relaying the payment ARS server 200 and the card company server 265 (or the financial company server 270) which processes the payment approval corresponding to the payment method. Characterized in that made.

Those skilled in the art to which the present invention belongs, the card company server 265 (or financial company server 270) for processing the payment approval corresponding to the payment means, the ARS server 200 for payment and Since you will be familiar with the technical features of the bansa server 260 for connecting the card company server 265 (or financial company server 270), a detailed description thereof will be omitted for convenience.

In addition, in FIG. 2, the payment ARS server 200 is illustrated as one server for convenience. However, the present invention is not limited thereto, and the payment ARS server 200 is provided for each component. It is possible to be implemented in the form of two or more server groups, the present invention is characterized in that it comprises all the possible inference method.

Referring to FIG. 2, the payment ARS server 200 connects a voice call channel with a VoIP terminal 275 shown in FIG. 1 through a VoIP gateway (or gatekeeper) on the VoIP communication network. And a call channel connection unit 203 for maintaining and managing the voice call channel until the payment process through the call channel is completed.

The call channel connection unit 203 performs a voice call with the VoIP terminal 275 by performing a VoIP-based call processing procedure with the VoIP terminal 275 shown in FIG. 1 through a VoIP gateway (or gatekeeper) on the VoIP communication network. A channel is connected, and the voice call channel is maintained and managed until the payment processing through the voice call channel is completed.

Referring to FIG. 2, when the ARS server 200 for payment is connected to the VoIP terminal 275 and the voice call channel through the call channel connection unit 203, a payment intention indication is displayed to the VoIP terminal 275. A voice ment provider 205 for providing one or more voice ment for confirmation, a DTMF receiver 210 for receiving a composite frequency coding (DTMF) signal corresponding to the voice ment, and a DTMF signal corresponding to the voice ment And a payment intention confirmation unit 215 (or payment intention confirmation means) for checking whether the payment intention is displayed from the VoIP terminal 275.

When the voice call channel is connected to the VoIP terminal 275 through the call channel connection unit 203, the voice cement providing unit 205 is a store (or affiliated store) provided with the ARS server 200 for payment. It is characterized by uttering a voice comment for confirming the intention to pay for the merchandise to be sold to the VoIP terminal 275 through the voice call channel, wherein the voice comment is provided with one or more complex frequency coded (DTMF) signals. It is desirable to match.

After at least one voice comment is provided to the VoIP terminal 275 through the voice comment provider 205 to confirm the payment intention indication, the DTMF receiver 210 transmits to the voice comment through the voice call channel. And receiving a corresponding complex frequency encoding (DTMF) signal, wherein the payment intention confirmation unit 215 reads the received DTMF signal to confirm whether a payment intention is displayed from the VoIP terminal 275. It is done.

Those skilled in the art will be familiar with the various technical features of confirming the payment intention indication through the voicement output and DTMF signal through the voice call channel. Will be omitted for convenience.

Referring to FIG. 2, when the payment intention is confirmed by the payment intention confirmation unit 215 from the VoIP terminal 275, the payment ARS server 200 connects to a voice call channel connected to the VoIP terminal 275. A transmission unit 220 (or a transmission means) for transmitting a payment means request sound code (or trigger sound) for requesting payment means information for payment processing corresponding to the payment intention indication through the VoIP terminal, and the VoIP terminal 275 A payment means encoding a payment means information including a card number read from the VoIP terminal 275 through the card reader and a checksum digit for the payment means information according to a preset sound encoding method through a voice call channel connected to the connection; Sound code receiver 225 (or receiving means) for receiving sound data superimposed information sound code, and included in the sound data received through the voice call channel A sound code separating unit 230 (or extracting means) for separating and extracting the payment means information sound code from the light sound (or voice sound), and decoding the separated and extracted payment means information sound code and payment means information and An extraction unit 235 (or extracting means) for extracting a checksum digit, a validity checking unit 240 (or validity confirming means) for confirming the validity of the payment means information through the extracted checksum digit, and the payment; When the validity of the means information is confirmed, the payment means confirmation unit 245 (or payment processing means) for confirming the payment means type for the card number corresponding to the payment means information, the payment means information and payment amount information and The full text generation unit 250 (or payment processing means) for generating a payment approval request text including payment target information for each payment means, and the generated payment approval request text Specialized processing unit 255 for transmitting a request for payment processing by transmitting to the bansa server 260 on the communication network, and receiving a payment approval result text including payment details corresponding to the full payment approval request message from the bansa server 260 (or Payment processing means), and upon receipt of the full payment approval result, the voice-ment providing unit 205 utters the payment details included in the full payment approval result, through the voice call channel. It is characterized by providing to the VoIP terminal (275).

When the payment intention is confirmed from the VoIP terminal 275 by the payment intention confirmation unit 215, the transmission unit 220 corresponds to the payment intention indication through a voice call channel connected to the VoIP terminal 275. Payment method request information (for example, information for confirming the payment method request in the VoIP terminal 275 shown in FIG. 1) for requesting payment method information for payment processing and the ARS for payment with the VoIP terminal 275 Generates a payment method request sound code that can be encoded according to a preset sound encoding scheme between the server 200 and superimposed on a background sound (or voice sound) transmitted and received through the voice call channel, and the generated payment method request sound code Is superimposed on a background sound (or voice sound) transmitted and received through the voice call channel and transmitted to the VoIP terminal 275.

Alternatively, when the payment intention is confirmed by the payment intention confirmation unit 215 from the VoIP terminal 275, the transmission unit 220 displays the payment intention indication through a voice call channel connected to the VoIP terminal 275. Generating a specific sound frequency band for requesting payment means information for a corresponding payment process as a trigger sound in a form that can superimpose sound data on a background sound (or voice sound) transmitted and received through the voice call channel, and generating the trigger The sound is superimposed on a background sound (or voice sound) transmitted and received through the voice call channel and transmitted to the VoIP terminal 275.

The transmission unit 220 transmits a payment means request sound code (or trigger sound) requesting payment means information for payment processing corresponding to the payment intention indication to the VoIP terminal 275 through the voice call channel. Thereafter, the sound code receiver 225 reads sound data received from the VoIP terminal 275 through a voice call channel connected to the VoIP terminal 275 in association with the call channel connection unit 203 and the VoIP terminal. (275) receives sound data including payment means information including a card number read through the card reader and payment means information sound codes encoded with a checksum digit for the payment means information according to a preset sound encoding scheme. Characterized in that.

When the sound data including the payment means information sound code encoding the payment means information and the checksum digits according to a preset sound coding scheme is received through the sound code receiving unit 225, the sound code separating unit 230 is configured to perform the sound code separation unit 230. And separating and extracting the superimposed payment means information sound code from the background sound (or voice sound) included in the sound data received through the voice call channel.

According to an embodiment of the present invention, the sound code separation unit 230 separates and extracts the superimposed payment means information sound code from the background sound (or voice sound) included in the sound data through a predetermined sound filter. It is preferable.

When the payment means information sound code is separated and extracted, the extractor 235 encodes the separated and extracted payment means information sound codes between the VoIP terminal 275 and the ARS server 200 for payment. The payment method information and the checksum digit included in the payment means information sound code are decoded according to the method.

When the payment means information and the checksum digit included in the payment means information sound code are extracted by the extractor 235, the validity checker 240 performs the checksum digit in the VoIP terminal 275 shown in FIG. 1. By generating a checksum digit corresponding to the payment means information in the same manner as the generation method, and comparing the extracted checksum digits and the generated checksum digits, and confirming the validity of the payment means information, characterized in that .

When the validity of the payment means information is confirmed, the payment means confirmation unit 245 is characterized in that to check the type of payment means for the payment means by reading the card number included in the payment means information.

According to another embodiment of the present invention, when the payment means information sound code includes a payment means identifier, the payment means confirming unit 245 reads the payment means identifier to check the payment means type for the payment means. It is possible.

When the payment means type corresponding to the payment means is confirmed through the payment means confirmation unit 245, the full text generation unit 250 displays the payment means information and the payment amount information indicated by the payment intention and the confirmed payment means. Characterized in that the payment approval request message containing the payment target information for each payment method corresponding to the type.

In this case, the payment target information for each payment means is information for identifying a payment target (or payment settlement processing) for the payment amount received through the payment means, and the payment means includes at least one credit card or check card. In the case of including a card payment means, the payment target information preferably comprises the payment merchant information to be settled the payment amount, the payment means includes at least one debit card, cash card, financial account In the case of including a bank transfer payment means, the payment target information preferably includes account information to which the payment amount is deposited (or payment settlement processing).

When the payment approval request full text is generated, the specialized processing unit 255 transmits the generated payment approval request full text to the bansa server 260 on a communication network, and requests a payment processing. In step 260, the payment approval request message is relayed to the card company server 265 (or the financial company server 270) corresponding to the payment means through a dedicated network to approve the payment corresponding to the payment approval request message. It features.

Subsequently, when the payment approval result message including the payment history corresponding to the payment approval request message is received from the card company server 265 (or the financial company server 270) corresponding to the payment method, the bansa server 260 is received. The payment approval request message is relayed to the payment ARS server 200, and in response, the professional processing unit 255 includes a payment history corresponding to the payment approval request message from the bansa server 260. Receive the full text of the approval result.

When the payment approval result message is received through the professional processing unit 255, the voice message providing unit 205 utters the payment details included in the payment approval result message message and transmits the VoIP terminal 275 through the voice call channel. It is characterized by providing in).

3 is a diagram illustrating a payment intention display process for payment processing through a VoIP voice call channel according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a connection between the ARS server 200 for payment and the voice call channel shown in FIG. 2 in the VoIP terminal 275 shown in FIG. 1, and in the ARS server 200 for payment. The present invention relates to a process of displaying a willingness to pay according to a voice message provided, and a person skilled in the art may refer to and / or modify this drawing to process payment through the VoIP voice call channel. Various implementation methods (e.g., some steps may be omitted, or the order may be changed) may be inferred for the intention to pay for the display of the intention to pay, 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.

Hereinafter, in FIG. 3, the payment ARS server 200 shown in FIG. 2 is referred to as an “ARS server” for convenience.

Referring to FIG. 3, the VoIP terminal 275 illustrated in FIG. 1 connects a voice call channel with the ARS server through call processing through a VoIP gateway (or gatekeeper) on the VoIP communication network (300).

If the ARS server is connected to the voice call channel (305), the ARS server provides one or more payment intention voice announcements to the VoIP terminal 275 via the voice call channel (310), and correspondingly The VoIP terminal 275 generates DTMF signals corresponding to the payment intention voicements through the voice call channel and transmits the DTMF signals to the ARS server (315).

Thereafter, the ARS server receives and reads a DTMF signal through the voice call channel to confirm a payment intention indication by the user (320).

If the payment intention indication by the user is confirmed through the DTMF signal (325), the ARS server requests the payment means information corresponding to the payment intention indication to the VoIP terminal 275.

4 is a diagram illustrating a payment means information generation process for payment processing through a VoIP voice call channel according to an embodiment of the present invention.

More specifically, Figure 4 is shown in Figure 1 through the voice call channel in the payment ARS server 200 shown in Figure 2 when the display of the intention to pay by the user is confirmed through the process shown in Figure 3 Requesting the payment means information to the VoIP terminal 275, and correspondingly to the process of generating the payment means information to be transmitted to the ARS server from the VoIP terminal 275, the general knowledge in the art If a person having a, a method for generating payment means information for payment processing through the VoIP voice call channel by referring to and / or modified in Figure 4 (for example, some steps are omitted or the order is changed) Method) can be inferred, but the present invention includes all the inferred implementation methods, and the technical features thereof are only shown in the implementation method shown in FIG. It is not limited.

For example, although FIG. 4 illustrates an exemplary method of generating payment means information further including a password input through a password input interface, the present invention is not limited thereto, and the payment means information is basically Any information may be further included in the included card number, and it is apparent that the present invention includes all possible inference methods.

Hereinafter, in FIG. 4, the payment ARS server 200 shown in FIG. 2 is referred to as an “ARS server” for convenience.

Referring to FIG. 4, when the intention to pay by the user is confirmed through the process illustrated in FIG. 3, the ARS server generates a payment method request sound code (or trigger sound) (400) and the voice call channel. The generated payment means request sound code (or trigger sound) is transmitted to the VoIP terminal 275 through 405.

According to an exemplary embodiment of the present invention, the ARS server requests payment means information (eg, requesting payment means information for payment processing corresponding to the payment intention indication) through a voice call channel connected to the VoIP terminal 275. Information for confirming the payment means request in the VoIP terminal 275 shown in FIG. 1 is encoded between the VoIP terminal 275 and the ARS server 200 for payment according to a preset sound coding scheme. Generate a payment method request sound code that can be superimposed on a background sound (or voice sound) transmitted and received through a voice call channel, and the background sound (or voice sound) transmitted and received through the voice call channel. It is preferable to transmit to the VoIP terminal 275 superimposed on.

According to another exemplary embodiment of the present invention, the ARS server sounds a specific sound frequency band for requesting payment means information for payment processing corresponding to the payment intention indication through a voice call channel connected to the VoIP terminal 275. Generates data as a trigger sound that can be superimposed on a background sound (or voice sound) transmitted and received through the voice call channel, and generates the generated trigger sound to a background sound (or voice sound) transmitted and received through the voice call channel. It is preferable to transmit the overlapped data to the VoIP terminal 275.

The VoIP terminal 275 detects a payment means request sound code (or trigger sound) encoded from the ARS server through the voice call channel according to a preset sound coding scheme between the VoIP terminal 275 and the ARS server. Receive processing (410).

Here, the payment means request sound code, the payment means request confirmation unit has requested the payment means information of the user (or customer) of the VoIP terminal 275 from the payment ARS server 200 to which the voice call channel is connected. Background sound (or voice sound) transmitted / received through the voice call channel by encoding a set of recognizable payment means request information between the VoIP terminal 275 and the ARS server for payment 200 according to a preset sound coding scheme. It is preferable to include the soundness data superimposed on the).

According to an embodiment of the present invention, the VoIP terminal 275 separates and detects a payment means request sound code superimposed on the background sound (or voice sound) of the received and decoded sound data, thereby detecting the voice call channel. It is preferable to confirm that the payment means request sound code has been received from the payment ARS server 200 through.

If the payment means request sound code (or trigger sound) is received from the ARS server through the voice call channel (415), the VoIP terminal 275 outputs a card reading request screen and the customer through the card reader. It is checked whether card information including the card number is read from the card (420).

If card information including the card number is read (425), the VoIP terminal 275 outputs a password input interface corresponding to the card information, and a password corresponding to the card information is input through the password input interface. Check if it is input (430).

If a password corresponding to the card information is input through the password input interface (435), the VoIP terminal 275 includes the card number included in the card information, and the validity period information or the card included in the card information. In operation 440, payment means information including one or more owner's English name or one or more passwords input through the password input interface is generated.

5 is a diagram illustrating a payment means information sound code transmission process for payment processing through a VoIP voice call channel according to an embodiment of the present invention.

In more detail, in FIG. 5, when the payment means information is generated through the process shown in FIG. 4, the VoIP means 275 shown in FIG. 1 encrypts the generated payment means information in FIG. Regarding the process of transmitting to the payment ARS server 200, those skilled in the art to which the present invention belongs, the payment process through the VoIP voice call channel by referring to and / or modifying the present figure 5 Various implementation methods (for example, some steps may be omitted or the order may be changed) may be inferred for the payment method information sound code transmission process, but the present invention includes all the implementation methods inferred above. The technical features are not limited only to the implementation method illustrated in FIG. 5.

For example, although FIG. 5 illustrates an implementation method of encrypting the payment means information, the present invention is by no means limited thereto, and the payment means information may not be encrypted. It is clear that this is done, including the method.

Hereinafter, in FIG. 5, the ARS server 200 for payment illustrated in FIG. 2 is referred to as an “ARS server” for convenience.

Referring to FIG. 5, when payment means information is generated through the process illustrated in FIG. 4, the VoIP terminal 275 illustrated in FIG. 1 may be an encryption key of a bansa or an encryption key of a card company or an encryption key of a financial company. The payment means information is encrypted using any one of encryption keys (500).

According to an embodiment of the present invention, when the card number included in the payment means information is a credit card number, the VoIP terminal 275 transmits the payment means information to one of the bansa's encryption key or the card's encryption key. It is preferable to encrypt through the encryption key.

According to another exemplary embodiment of the present invention, when the card number included in the payment means information is a cash card number, a debit card number, or an account number, the VoIP terminal 275 transmits the payment means information to the cash card, It is preferable to issue a debit card or to encrypt it using an encryption key of a financial company in which the account is opened.

According to another exemplary embodiment of the present invention, when the payment means information is encrypted (for example, when encrypted with an encryption key that cannot be decrypted by the ARS server), the payment means information is transmitted from the ARS server 200 for payment. It is possible to further include a payment means identifier that can confirm the type of payment means corresponding to the card number, whereby the present invention is not limited.

If the payment means information is encrypted (505), the VoIP terminal 275 generates a checksum digit corresponding to the encrypted payment means information (510).

Here, the checksum digit includes a digit for verifying whether the payment means information (or encrypted payment means information) received through the sound code is valid in the ARS server 200 for receiving the payment means information. It is preferable.

Those skilled in the art will be familiar with the various algorithms for generating the checksum digits, and thus detailed descriptions thereof will be omitted.

Thereafter, the VoIP terminal 275 encodes the payment means information generated through the process shown in FIG. 4 and the generated checksum digit according to a preset sound encoding scheme between the VoIP terminal 275 and the ARS server. The payment means information sound code is generated (515).

Here, the payment means information sound code can easily overlap with the background sound (or voice sound) transmitted and received through the voice call channel connected between the VoIP terminal 275 and the payment ARS server 200, the payment ARS It is preferable that the server 200 is encoded in a sound frequency band that can easily separate and extract the payment means information sound code from the background sound (or voice sound).

In addition, the VoIP terminal 275 easily superimposes the generated payment means information sound code on a background sound (or voice sound) transmitted and received through the voice call channel and transmits the payment means information sound code to the ARS server. (520).

6 is a diagram illustrating a full text generation process for payment processing through a VoIP voice call channel according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates a payment ARS when the payment means information sound code generated through the process shown in FIG. 5 is transmitted to the ARS server 200 for payment shown in FIG. 2 through a voice call channel. The process of extracting the payment means information included in the payment means information sound code from the server 200 to verify the validity and to generate a full payment approval request including the payment means information, which is usually in the technical field to which the present invention belongs. For those skilled in the art, various implementation methods (e.g., some steps are omitted or changed in order) for the full text generation process for payment processing through the VoIP voice call channel by referring to and / or modifying the drawing of FIG. Method) may be inferred, but the present invention includes all the implementation methods inferred, and only the implementation method shown in FIG. The technical feature is not limited.

Hereinafter, in FIG. 6, the ARS server 200 for payment illustrated in FIG. 2 is referred to as an “ARS server” for convenience.

Referring to FIG. 6, when the payment means information sound code generated through the process illustrated in FIG. 5 is transmitted to the ARS server 200 for payment shown in FIG. 2 through a voice call channel, the ARS server may be The payment means information sound code is detected and processed through the voice call channel (600). If the payment means information sound code is received (605), the ARS server transmits a background sound (transmitted and received through the voice call channel). Or the voice means), and extracts and extracts the payment means information sound code (610).

If the payment method information sound code is separated and extracted (615), the ARS server sets the separated and extracted payment method information sound code between the VoIP terminal 275 and the payment ARS server 200. By decoding according to an encoding method, payment means information and a checksum digit included in the payment means information sound code are extracted (620).

If the payment means information and the checksum digit is extracted from the payment means information sound code (625), the ARS server is the same as the method of generating the checksum digit in the VoIP terminal 275 shown in FIG. A checksum digit corresponding to the payment means information is generated, and the validity of the payment means information is verified by comparing the extracted checksum digit with the generated checksum digit (630).

If the validity of the payment method information is not confirmed (635), the ARS server generates a payment method request sound code (or trigger sound) requesting retransmission of the payment method to the VoIP terminal 275 (640), The payment method information generation process shown in FIG. 4 is performed again.

On the other hand, if the validity of the payment method information is confirmed (635), the ARS server checks the payment method type corresponding to the payment method information, and checks the payment target information for each payment method corresponding to the confirmed payment method type (645).

In this case, the payment target information for each payment means is information for identifying a payment target (or payment settlement processing) for the payment amount received through the payment means, and the payment means includes at least one credit card or check card. In the case of including a card payment means, the payment target information preferably comprises the payment merchant information to be settled the payment amount, the payment means includes at least one debit card, cash card, financial account In the case of including a bank transfer payment means, the payment target information preferably includes account information to which the payment amount is deposited (or payment settlement processing).

If the payment target information for each payment method is confirmed (650), the ARS server generates a full payment approval request message including the payment method information, the payment amount information indicated by the payment intention, and the payment target information for each payment method ( 655).

7 is a diagram illustrating a payment processing process through a VoIP voice call channel according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a process of processing a requested payment through the VoIP voice call channel based on the generated payment means request text when the payment means request text is generated through the process shown in FIG. As those skilled in the art to which the present invention pertains, various implementation methods (e.g., some steps may be omitted) for the payment processing through the VoIP voice call channel by referring to and / or modifying the present invention. It is possible to infer the implementation method (or the order changed), but the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the ARS server 200 for payment illustrated in FIG. 2 is referred to as an “ARS server” for convenience.

Referring to FIG. 7, when the payment means request message is generated through the process shown in FIG. 6, the ARS server transmits the payment approval request message to the bansa server 260 (700), and the bansa correspondingly. The server 260 relays the payment approval request text to the card company server 265 (or the financial company server 270) corresponding to the payment means through a dedicated network to approve the payment corresponding to the payment approval request text. (705).

Subsequently, when a payment approval result message including payment details corresponding to the payment approval request message is received from the card company server 265 (or the financial company server 270) corresponding to the payment method, the bansa server 260 is received. The payment approval request message is relayed and transmitted to the ARS server (710), and in response, the ARS server receives a payment approval result message including payment details corresponding to the payment approval request text from the bansa server (260). And, the payment confirmation result checks the payment history information included in the full text (715).

If the payment history information is confirmed (720), the ARS server utters the confirmed payment history information and transmits it to the VoIP terminal 275 through the voice call channel (725).

8 is a diagram illustrating a payment processing system configuration through a VoIP voice call channel according to another embodiment of the present invention.

In more detail, FIG. 8 connects a voice call channel with a merchant server 800 corresponding to an ARS server (or call center system) provided in a store (or affiliated store) in the VoIP terminal 895 shown in FIG. When the payment intention is displayed through the voice call channel, the affiliated server 800 converts the voice call channel with the VoIP terminal 895 into a voice call channel with the Ban ARS server 830 for payment. When the payment ARS server 830 requests payment means information to the VoIP terminal 895 through the voice call channel, the voice communication channel connected to the ARS server 830 for payment in the VoIP terminal 895 is requested. The payment means information sound code generated by encoding payment means information according to a preset sound encoding scheme is transmitted to the payment ARS server 830, and correspondingly, the payment ARS server 830 transmits the payment means information sound code. A system for decoding a payment means information sound code according to an encoding scheme, separating and extracting the payment means information, generating a payment approval request message including the payment means information, and processing payment corresponding to the displayed payment intention. As for the configuration, those skilled in the art to which the present invention pertains, various implementation methods (e.g., a part) for the configuration of the payment processing system through the VoIP voice call channel by referring to and / or modified with reference to FIG. It may be inferred that the implementation is omitted, subdivided, or combined), but the present invention includes all the implementation methods inferred, the technical features are limited only by the implementation method shown in FIG. Not.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 8 to infer an implementation method in which the payment ARS server 830 is provided to a card company (or a financial company). It will be apparent that the invention includes the method of inferring mode inference. When the payment ARS server 830 is provided to a card company (or financial company), the merchant server 800 checks the payment method through the voice call channel in addition to confirming the payment intention display through the voice call channel (or card company / financial company) More preferably).

Referring to FIG. 8 according to an embodiment of the present invention, the payment processing system through the VoIP voice call channel includes a VoIP communication network connected to the VoIP terminal 895 and the VoIP terminal 895 shown in FIG. Connects the voice call channel with the VoIP terminal 895 through the VoIP gateway (or gatekeeper) and the VoIP gateway (or gatekeeper), and makes a payment intention through the voice call channel at the VoIP terminal 895. If so, the merchant server 800 for switching the voice call channel to the voice call channel between the VoIP terminal 895 and the ARS server 830 for payment, and to the VoIP terminal 895 through the switched voice call channel. Request payment means information, and correspondingly, the VoIP terminal 895 transmits the payment means information through a voice call channel connected to the ARS server 830 of the store (or affiliated store) according to a preset sound encoding method. When the payment means information sound code generated by encoding is transmitted, the payment means information sound code is decoded according to the sound coding method, and the payment means information is separated and extracted. And a payment ARS server 830 for processing a payment corresponding to the displayed payment intention, and the card company processing the payment approval corresponding to the payment ARS server 830 and the payment means. It is characterized in that it comprises a bansa server 880 for relaying the server 885 (or financial institution server 890).

Those of ordinary skill in the art to which the present invention pertains include: a card company server 885 (or a financial company server 890) that processes payment approval corresponding to the payment means, and the ARS server 830 for payment; Since you will be familiar with the technical features of the bansa server 880 for relaying the card company server 885 (or financial company server 890), a detailed description thereof will be omitted for convenience.

In addition, in FIG. 8, the payment ARS server 830 is illustrated as one server for convenience. However, the present invention is not limited thereto, and the payment ARS server 830 is provided for each component. It is possible to be implemented in the form of two or more server groups, the present invention is characterized in that it comprises all the possible inference method.

Referring to FIG. 8, the affiliated store server 800 connects a voice call channel with a VoIP terminal 895 shown in FIG. 1 through a VoIP gateway (or gatekeeper) on the VoIP communication network, and the voice call channel. It is characterized in that it comprises a call channel connection unit 805 for maintaining and managing the voice call channel until the payment processing through.

The call channel connection unit 805 performs a voice call with the VoIP terminal 895 by performing a VoIP based call processing procedure with the VoIP terminal 895 shown in FIG. 1 through a VoIP gateway (or gatekeeper) on the VoIP communication network. It is characterized by connecting the channel.

Referring to FIG. 8, when the VoIP terminal 895 and the voice call channel are connected through the call channel connection unit 805, the affiliated server server 800 confirms the payment intention indication to the VoIP terminal 895. Reads a voice cement providing unit 810 for providing one or more voice cements, a DTMF receiver 815 for receiving a complex frequency encoding (DTMF) signal corresponding to the voice cement, and a DTMF signal corresponding to the voice cement The payment intention confirmation unit 820 (or payment intention confirmation means) for confirming whether the payment intention is displayed from the VoIP terminal 895.

When the voice call channel is connected to the VoIP terminal 895 through the call channel connection unit 805, the voice cement providing unit 810 sells the product at the store (or affiliated store) provided with the affiliate store server 800. It is characterized by providing a voice message for confirming the willingness to pay to the VoIP terminal 895 through the voice call channel, the voice message is matched with at least one DTMF signal. desirable.

After at least one voice comment is provided to the VoIP terminal 895 via the voice comment provider 810 to confirm the payment intention indication, the DTMF receiver 815 may be connected to the voice comment through the voice call channel. And receiving a corresponding complex frequency coding (DTMF) signal, wherein the payment intention confirmation unit 820 reads the received DTMF signal to check whether a payment intention is displayed from the VoIP terminal 895. It is done.

Those skilled in the art will be familiar with the various technical features of confirming the payment intention indication through the voicement output and DTMF signal through the voice call channel. Will be omitted for convenience.

Referring to FIG. 8, when the payment intention is confirmed from the VoIP terminal 895 by the payment intention confirmation unit 820, the affiliated server 800 may exchange between the VoIP terminal 895 and the merchant server 800. And a call channel switching unit 825 for converting a voice call channel into a voice call channel between the VoIP terminal 895 and the payment ARS server 830.

When the payment intention is confirmed from the VoIP terminal 895 by the payment intention confirmation unit 820, the call channel switching unit 825 transmits the voice call channel between the VoIP terminal 895 and the affiliate server 800. The ARS server 830 for payment is further extended to establish a voice call channel between the VoIP terminal 895 and the affiliate server 800 through the affiliate server 800 and the ARS server 830 for payment. It is desirable to process to switch to and connect to the voice call channel.

Alternatively, when the payment intention is confirmed by the payment intention confirmation unit 820 from the VoIP terminal 895, the call channel switching unit 825 sends the payment ARS server 830 to the VoIP gateway (or gatekeeper). By providing call processing information for connecting the voice call channel with the voice call channel, the voice call channel between the VoIP terminal 895 and the merchant server 800 is connected to the VoIP terminal 895 through the VoIP gateway (or gatekeeper). It is preferable to process to switch and connect to a voice call channel between payment ARS server 830.

Alternatively, when the payment intention is confirmed by the payment intention confirmation unit 820 from the VoIP terminal 895, the call channel switching unit 825 sends the VoIP terminal 895 to the payment ARS server 830. By providing call processing information for connecting a voice call channel, the voice call channel between the VoIP terminal 895 and the merchant server 800 is transferred from the VoIP terminal 895 to the VoIP terminal 895 and the ARS server for payment. 830) It is preferable to process to switch to the voice call channel between.

According to an exemplary embodiment of the present invention, the call channel switching unit 825 establishes a voice call channel between the VoIP terminal 895 and the affiliated server 800 and a voice call between the VoIP terminal 895 and the ARS server 830 for payment. When switching to a channel, it is preferable to provide (or pre-share) the payment amount information indicated by the payment intention and one or more payment target information for one or more payment methods to the payment ARS server 830.

Referring to FIG. 8, the payment ARS server 830 connects a voice call channel with a VoIP terminal 895 shown in FIG. 1 through a VoIP gateway (or gatekeeper) on the VoIP communication network. And a call channel connection unit 835 for maintaining and managing the voice call channel until the payment process through the call channel is completed.

The call channel connection unit 835 connects the voice call channel with the VoIP terminal 895 shown in FIG. 1 by switching the call channel of the affiliated store server 800, and pays through the voice call channel. The voice call channel is maintained and managed until processing is completed.

Referring to FIG. 8, when the ARS server 830 for payment is switched and connected to the VoIP terminal 895, the payment ARS server 830 displays the intention of payment through the voice call channel connected to the VoIP terminal 895. Through a transmission unit 840 (or a transmission means) for transmitting a payment means request sound code (or a trigger sound) for requesting payment means information for corresponding payment processing, and through a voice call channel connected to the VoIP terminal 895. A sound in which payment means information including a card number read from the VoIP terminal 895 through the card reader and payment means information sound codes encoded with a checksum digit for the payment means information according to a preset sound coding scheme Sound code receiving unit 845 (or receiving means) for receiving data, and background sound (or voice sound) included in sound data received through the voice call channel. E) a sound code separation unit 850 (or extraction means) for separating and extracting the payment means information sound code, and decoding the payment means information sound code for extracting the payment means information and the checksum digit. Extraction unit 855 (or extracting means), validity confirming unit 860 (or validity confirming means) for confirming the validity of the payment means information through the extracted checksum digits, and validity of the payment means information If it is confirmed, the payment means confirmation unit 865 (or payment processing means) for confirming the payment method type for the card number corresponding to the payment means information, the payment means information and payment amount information and payment by the payment means Full text generation unit 870 (or payment processing means) for generating a payment approval request text containing the target information, and the Bansa server 880 on the generated payment approval request text on the communication network A specialized processing unit 875 (or payment processing means) for requesting payment processing and receiving a payment approval result text including payment details corresponding to the payment approval request text from the bansa server 880; When the payment approval result full text, the professional processing unit 875 transmits the payment details included in the payment approval result full text to the affiliated store server 800, and ignites the payment details. It provides to the VoIP terminal 895 through a call channel.

When the voice call channel is switched and connected to the VoIP terminal 895, the transmission unit 840 is a payment means for payment processing corresponding to the payment intention indication through the voice call channel connected to the VoIP terminal 895. Payment method request information (for example, information for confirming the payment method request in the VoIP terminal 895 shown in FIG. 1) requesting information is provided between the VoIP terminal 895 and the ARS server 830 for payment. Generate a payment means request sound code that can be encoded according to a preset sound coding scheme and superimposed on a background sound (or voice sound) transmitted and received through the voice call channel, and convert the generated payment means request sound code into the voice call channel. Superimposed on the background sound (or voice sound) to be transmitted and received through the transmission to the VoIP terminal (895).

Alternatively, when the payment intention is confirmed by the payment intention confirmation unit 820 from the VoIP terminal 895, the transmission unit 840 may display the payment intention indication through a voice call channel connected to the VoIP terminal 895. Generating a specific sound frequency band for requesting payment means information for a corresponding payment process as a trigger sound in a form that can superimpose sound data on a background sound (or voice sound) transmitted and received through the voice call channel, and generating the trigger The sound is superimposed on a background sound (or voice sound) transmitted and received through the voice call channel and transmitted to the VoIP terminal 895.

The transmission unit 840 transmits a payment means request sound code (or trigger sound) for requesting payment means information for payment processing corresponding to the payment intention indication to the VoIP terminal 895 through the voice call channel. Thereafter, the sound code receiving unit 845 reads sound data received from the VoIP terminal 895 through a voice call channel connected to the VoIP terminal 895 in association with the call channel connection unit 835 and the VoIP terminal. And receiving sound data including a payment means information including a card number read through the card reader and a payment means information sound code encoded with a checksum digit for the payment means information according to a preset sound coding scheme. Characterized in that.

When sound data including the payment means information sound code encoding the payment means information and the checksum digit according to a preset sound coding scheme is received through the sound code receiving unit 845, the sound code separation unit 850 is configured to receive the sound code. And separating and extracting the superimposed payment means information sound code from the background sound (or voice sound) included in the sound data received through the voice call channel.

According to the exemplary embodiment of the present invention, the sound code separator 850 separates and extracts the superimposed payment means information sound code from the background sound (or voice sound) included in the sound data through a predetermined sound filter. desirable.

When the payment means information sound code is separated and extracted, the extractor 855 encodes the separated and extracted payment means information sound codes between the VoIP terminal 895 and the ARS server 830 for payment. The payment method information and the checksum digit included in the payment means information sound code are decoded according to the method.

When the payment means information and checksum digits included in the payment means information sound code are extracted by the extractor 855, the validity checker 860 performs the checksum digits in the VoIP terminal 895 shown in FIG. 1. By generating a checksum digit corresponding to the payment means information in the same manner as the generation method, and comparing the extracted checksum digits and the generated checksum digits, and confirming the validity of the payment means information, characterized in that .

When the validity of the payment means information is confirmed, the payment means confirmation unit 865 is characterized in that to check the type of payment means for the payment means by reading the card number included in the payment means information.

According to another embodiment of the present invention, when the payment means information sound code includes a payment means identifier, the payment means confirmation unit 865 reads the payment means identifier to confirm the type of payment means for the payment means. It is possible.

When the payment means type corresponding to the payment means is confirmed through the payment means confirmation unit 865, the full text generation unit 870 is the payment means information and the payment amount information displayed by the payment intention and the confirmed payment means Characterized in that the payment approval request message containing the payment target information for each payment method corresponding to the type.

In this case, the payment target information for each payment means is information for identifying a payment target (or payment settlement processing) for the payment amount received through the payment means, and the payment means includes at least one credit card or check card. In the case of including a card payment means, the payment target information preferably comprises the payment merchant information to be settled the payment amount, the payment means includes at least one debit card, cash card, financial account In the case of including a bank transfer payment means, the payment target information preferably includes account information to which the payment amount is deposited (or payment settlement processing).

When the payment approval request full text is generated, the specialized processing unit 875 transmits the generated payment approval request full text to the bansa server 880 on a communication network, and requests a payment processing. In step 880, the payment approval request message is relayed to the card company server 885 (or the financial company server 890) corresponding to the payment means through a dedicated network to approve the payment corresponding to the payment approval request message. It features.

Subsequently, when a payment approval result message including payment details corresponding to the payment approval request message is received from the card company server 885 (or the financial company server 890) corresponding to the payment method, the bansa server 880 is received. The payment approval request message is relayed to the payment ARS server 830, and in response, the professional processing unit 875 includes a payment history corresponding to the payment approval request message from the bansa server 880. Receive the full text of the approval result.

When the payment approval result message is received through the professional processing unit 875, the professional processing unit 875 transmits the payment details included in the payment approval result message to the affiliated store server 800, and ignites the payment details. It is characterized in that to provide to the VoIP terminal 895 through the voice call channel.

9 is a diagram illustrating a payment intention display and a call channel switching process for payment processing through a VoIP voice call channel according to another embodiment of the present invention.

In more detail, FIG. 9 connects a voice call channel with an affiliated store server 800 shown in FIG. 8 at a VoIP terminal 895 shown in FIG. 1, and provides a voice message provided by the affiliated store server 800. According to the intention to pay according to the process, the merchant server 800 converts the voice call channel with the VoIP terminal 895 to the voice call channel with the payment ARS server 830 shown in FIG. For those skilled in the art to which the present invention pertains, various implementation methods for a payment intention display and a call channel switching process for payment processing through the VoIP voice call channel are made by referring to and / or modifying the drawing 9. (Eg, some steps may be omitted or the order of implementation changed), but the present invention includes all the implementation methods inferred, as shown in FIG. Only exemplary method is not limited that technical feature.

Hereinafter, in FIG. 9, the payment ARS server 830 illustrated in FIG. 8 is referred to as an “ARS server” for convenience.

Referring to FIG. 9, the VoIP terminal 895 illustrated in FIG. 1 connects a voice call channel with the affiliated server 800 through a call processing through a VoIP gateway (or gatekeeper) on the VoIP communication network (900). ).

If the merchant server 800 is connected to the voice call channel (905), the merchant server 800 provides one or more payment intention voice announcements to the VoIP terminal 895 through the voice call channel (910). In response thereto, the VoIP terminal 895 generates DTMF signals corresponding to the payment intention voicements through the voice call channel and transmits the DTMF signals to the affiliated server server 800 (915).

Thereafter, the affiliated server server 800 receives and reads a DTMF signal through the voice call channel to confirm a payment intention indication by the user (920).

If the intention of payment by the user is confirmed through the DTMF signal (925), the affiliated server server 800 transmits a voice call channel connected to the VoIP terminal 895 to the VoIP terminal 895 and the drawing 8. Switch to the voice call channel between the illustrated payment ARS server 830, and transmits the payment amount information and the payment target information for each payment means to the ARS server (930), correspondingly to the ARS The server connects the voice call channel with the VoIP terminal 895 (935).

FIG. 10 is a diagram illustrating a payment means information generation process for payment processing through a VoIP voice call channel according to another embodiment of the present invention.

In more detail, in FIG. 10, the intention to pay by the user is confirmed through the process illustrated in FIG. 9, and a voice call channel between the VoIP terminal 895 and the ARS server 830 for payment illustrated in FIG. When switched and connected, the payment ARS server 830 shown in FIG. 8 requests payment means information from the VoIP terminal 895 shown in FIG. 1 through a voice call channel, and correspondingly, the VoIP terminal ( 895) is a process for generating payment means information to be transmitted to the ARS server, if the person of ordinary skill in the art to which the present invention belongs, refer to and / or modified the Figure 10 VoIP voice call channel Various implementation methods (for example, some steps may be omitted or the order may be changed) may be inferred for the payment means information generation process for payment processing through the present invention. It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

For example, although FIG. 10 illustrates an exemplary method for generating payment means information further including a password input through a password input interface, the present invention is not limited thereto, and the payment means information is basically Any information may be further included in the included card number, and it is apparent that the present invention includes all possible inference methods.

Hereinafter, in FIG. 10, the payment ARS server 830 illustrated in FIG. 8 is referred to as an “ARS server” for convenience.

Referring to FIG. 10, when the intention of payment by the user is confirmed through the process illustrated in FIG. 9, the ARS server generates a payment method request sound code (or trigger sound) (1000) and the voice call channel. The generated payment means request sound code (or trigger sound) is transmitted to the VoIP terminal 895 (1005).

According to an exemplary embodiment of the present invention, the ARS server requests payment means information (eg, requesting payment means information for payment processing corresponding to the payment intention indication) through a voice call channel connected to the VoIP terminal 895. In the VoIP terminal 895 shown in FIG. 1, information for confirming the payment means request) is encoded between the VoIP terminal 895 and the ARS server 830 for payment according to a preset sound coding scheme. Generate a payment method request sound code that can be superimposed on a background sound (or voice sound) transmitted and received through a call channel, and transmit the generated payment method request sound code to a background sound (or voice sound) transmitted and received through the voice call channel. It is preferable to transmit to the VoIP terminal 895 in a superimposed manner.

According to another exemplary embodiment of the present invention, the ARS server sounds a specific sound frequency band for requesting payment means information for payment processing corresponding to the payment intention indication through a voice call channel connected to the VoIP terminal 895. Generates data as a trigger sound that can be superimposed on a background sound (or voice sound) transmitted and received through the voice call channel, and generates the generated trigger sound to a background sound (or voice sound) transmitted and received through the voice call channel. It is preferable to transmit the overlapped data to the VoIP terminal 895.

The VoIP terminal 895 detects a payment means request sound code (or trigger sound) encoded from the ARS server through the voice call channel according to a preset sound encoding scheme between the VoIP terminal 895 and the ARS server. Receive processing (1010).

Herein, the payment means request sound code indicates that the payment means request confirmation unit requested payment means information of the user (or customer) of the VoIP terminal 895 from the payment ARS server 830 to which the voice call channel is connected. Background sound (or voice sound) transmitted / received through the voice call channel by encoding a set of recognizable payment means request information between the VoIP terminal 895 and the payment ARS server 830 according to a preset sound coding scheme. It is preferable to include the soundness data superimposed on the).

According to an embodiment of the present invention, the VoIP terminal 895 separates and detects a payment means request sound code superimposed on the background sound (or voice sound) of the received and decoded sound data, thereby detecting the voice call channel. It is preferable to confirm that the payment means request sound code has been received from the payment ARS server 830 through.

If the payment means request sound code (or trigger sound) is received from the ARS server through the voice call channel (1015), the VoIP terminal 895 outputs a card reading request screen and the customer through the card reader. It is checked whether card information including the card number is read from the card (1020).

If card information including the card number is read (1025), the VoIP terminal 895 outputs a password input interface corresponding to the card information, and a password corresponding to the card information is input through the password input interface. Check whether it is (1030).

If a password corresponding to the card information is input through the password input interface (1035), the VoIP terminal 895 includes the card number included in the card information, and the validity period information or the card included in the card information. In operation 1040, the payment method information includes one or more owner's English names and one or more passwords input through the password input interface.

11 is a diagram illustrating a payment means information sound code transmission process for payment processing through a VoIP voice call channel according to another embodiment of the present invention.

In more detail, in FIG. 11, when the payment means information is generated through the process shown in FIG. 10, the payment means information is encrypted by the VoIP terminal 895 shown in FIG. Regarding the process of transmitting to the payment ARS server 830, those skilled in the art to which the present invention pertains, the payment process through the VoIP voice call channel by referring to and / or modified in Figure 11 It is possible to infer various implementation methods (for example, some steps omitted or changed order) for the payment means information sound code transmission process, but the present invention includes all the implementation methods inferred However, the technical features are not limited only to the implementation method shown in FIG.

For example, although FIG. 11 illustrates an implementation method of encrypting the payment means information, the present invention is not limited thereto, and the payment means information may not be encrypted, and the present invention may be inferred. It is clear that this is done, including the method.

Hereinafter, in FIG. 11, the payment ARS server 830 illustrated in FIG. 8 is referred to as an “ARS server” for convenience.

Referring to FIG. 11, when payment means information is generated through the process illustrated in FIG. 10, the VoIP terminal 895 shown in FIG. 1 may be an encryption key of a bansa, an encryption key of a card company, or an encryption key of a financial company. The payment means information is encrypted using any one of encryption keys (1100).

According to an embodiment of the present invention, when the card number included in the payment means information is a credit card number, the VoIP terminal 895 may transmit the payment means information to the bansa's encryption key or the card's encryption key. It is desirable to encrypt via one encryption key.

According to another exemplary embodiment of the present invention, when the card number included in the payment means information is a cash card number, a debit card number, or an account number, the VoIP terminal 895 transmits the payment means information to the cash card, It is preferable to issue a debit card or to encrypt it using an encryption key of a financial company in which the account is opened.

According to another exemplary embodiment of the present invention, when the payment means information is encrypted (for example, when encrypted with an encryption key that cannot be decrypted by the ARS server), the payment means information is transmitted from the ARS server 830 for payment. It is possible to further include a payment means identifier that can confirm the type of payment means corresponding to the card number, whereby the present invention is not limited.

If the payment means information is encrypted (1105), the VoIP terminal 895 generates a checksum digit corresponding to the encrypted payment means information (1110).

Here, the checksum digit includes a digit for verifying whether the payment means information (or encrypted payment means information) received through the sound code is valid in the ARS server 830 for receiving the payment means information. It is preferable.

Those skilled in the art will be familiar with the various algorithms for generating the checksum digits, and thus detailed descriptions thereof will be omitted.

Thereafter, the VoIP terminal 895 encodes the payment means information generated through the process shown in FIG. 10 and the generated checksum digit according to a preset sound encoding scheme between the VoIP terminal 895 and the ARS server. The payment means information sound code is generated (1115).

Here, the payment means information sound code can easily overlap the background sound (or voice sound) transmitted and received through the voice call channel connected between the VoIP terminal 895 and the payment ARS server 830, the payment ARS The server 830 is preferably encoded in a sound frequency band that can easily separate and extract the payment means information sound code from the background sound (or voice sound).

In addition, the VoIP terminal 895 easily superimposes the generated payment means information sound code on a background sound (or voice sound) transmitted and received through the voice call channel and transmits the payment means information sound code to the ARS server. (1120).

12 is a diagram illustrating a full text generation process for payment processing through a VoIP voice call channel according to another embodiment of the present invention.

In more detail, FIG. 12 shows the ARS server for payment when the payment means information sound code generated through the process shown in FIG. 11 is transmitted to the ARS server 830 for payment shown in FIG. 8 through a voice call channel. The process of extracting payment means information included in the payment means information sound code from the server 830 and verifying validity to generate a full payment approval request including the payment means information. For those skilled in the art, various implementation methods (e.g., some steps are omitted or changed in order) for the full text generation process for payment processing through the VoIP voice call channel by referring to and / or modifying this drawing 12 Method) may be inferred, but the present invention includes all the implementation methods inferred, and only the implementation method shown in FIG. The technical features are not limited.

Hereinafter, in FIG. 12, the ARS server 830 for payment shown in FIG. 8 is referred to as an "ARS server" for convenience.

Referring to FIG. 12, when the payment means information sound code generated through the process shown in FIG. 11 is transmitted to the ARS server 830 for payment shown in FIG. 8 through a voice call channel, the ARS server The payment means information sound code is detected and processed through the voice call channel (1200). If the payment means information sound code is received (1205), the ARS server transmits and receives a background sound (transmitted and received through the voice call channel). Or a sound method superimposed on the payment method information sound code (1210).

If the payment means information sound code is separated and extracted (1215), the ARS server transmits the separated and extracted payment means information sound code between the VoIP terminal 895 and the ARS server 830 for payment. In operation 1220, the payment means information and the checksum digit included in the payment means information sound code are extracted by decoding according to an encoding method.

If the payment method information and the checksum digit are extracted from the payment means information sound code (1225), the ARS server performs the same operation as the method of generating the checksum digit in the VoIP terminal 895 shown in FIG. A checksum digit corresponding to the payment means information is generated, and the validity of the payment means information is verified by comparing the extracted checksum digit with the generated checksum digit (1230).

If the validity of the payment method information is not confirmed (1235), the ARS server generates a payment method request sound code (or trigger sound) requesting retransmission of the payment method to the VoIP terminal 895 (1240), The process of generating payment means information shown in FIG. 10 is performed again.

On the other hand, when the validity of the payment method information is confirmed (1235), the ARS server checks the payment method type corresponding to the payment method information, and confirms the payment target information for each payment method corresponding to the confirmed payment method type. (1245).

In this case, the payment target information for each payment means is information for identifying a payment target (or payment settlement processing) for the payment amount received through the payment means, and the payment means includes at least one credit card or check card. In the case of including a card payment means, the payment target information preferably comprises the payment merchant information to be settled the payment amount, the payment means includes at least one debit card, cash card, financial account In the case of including a bank transfer payment means, the payment target information preferably includes account information to which the payment amount is deposited (or payment settlement processing).

If the payment target information for each payment method is confirmed (1250), the ARS server generates a full payment approval request message including the payment method information, the payment amount information indicated by the payment intention, and the payment target information for each payment method ( 1255).

13 is a diagram illustrating a payment processing process through a VoIP voice call channel according to another embodiment of the present invention.

In detail, FIG. 13 illustrates a process of processing a requested payment through the VoIP voice call channel based on the generated payment means request text when the payment means request text is generated through the process shown in FIG. As those skilled in the art to which the present invention pertains, various implementation methods (e.g., some steps may be omitted) for the payment processing process through the VoIP voice call channel by referring to and / or modifying this drawing. It is possible to infer a method of changing the order of the present invention), but the present invention includes all the methods of inferring the above, and the technical features are not limited only to the method shown in FIG.

Hereinafter, in FIG. 13, the ARS server 830 for payment shown in FIG. 8 is referred to as an "ARS server" for convenience.

Referring to FIG. 13, when the payment means request text message is generated through the process illustrated in FIG. 12, the ARS server transmits the payment approval request text message to the bansa server 880 (1300), and the bansa correspondingly. The server 880 relays the payment approval request message to the card company server 885 (or the financial company server 890) corresponding to the payment means through a dedicated network to approve the payment corresponding to the payment approval request message. (1305).

Subsequently, when a payment approval result message including payment details corresponding to the payment approval request message is received from the card company server 885 (or the financial company server 890) corresponding to the payment method, the bansa server 880 is received. The payment approval request message is relayed to the ARS server (1310), and in response, the ARS server receives a payment approval result message including the payment details corresponding to the payment approval request message from the bansa server (880). In operation 1315, the payment history information included in the full text of the payment approval result is checked.

If the payment history information is confirmed (1320), the ARS server utters the confirmed payment history information and transmits it to the VoIP terminal 895 through the voice call channel (1325).

According to the present invention, data requiring a high level of security by encoding / decoding payment means information according to a sound coding scheme set up so that a VoIP terminal, a bansa, a card company, and a financial company's server can mutually recognize a voice call channel of VoIP. There is an advantage of providing a phone payment through the voice call channel of the VoIP without using a channel.

According to the present invention, a VoIP terminal equipped with a card reader is configured to obtain payment means information through the card reader, and the VoIP terminal and the bansa, card company, financial company's server can mutually recognize the obtained payment means information. By encoding / decoding according to the sound coding scheme, there is an advantage of providing phone payment more conveniently than calling a card number into a user voice or generating a complex frequency coded signal through key input.

Claims (7)

Connecting a voice call channel in a VoIP terminal equipped with a card reader, and checking whether a sound signal (or a trigger sound signal) encoded with a payment means request sound code is received through the voice call channel; If the sound signal is confirmed, outputting a card reading request screen and activating the card reader; When a card is read through the card reader, payment means information including the read card number is generated, and a payment means information sound signal encoded by combining the payment means information and a checksum digit for the payment means information is generated. Making; And transmitting the generated payment means information sound signal through the voice call channel. The method of claim 1, wherein the payment means information, And at least one validity period information read through the card reader, an English name of a card holder, and a key input password. The method of claim 1, wherein the payment means information, Method of processing through the voice call channel, characterized in that the encrypted by any one of the encryption key of Bansa, encryption key of the card company, encryption key of the financial company encoded in the payment means information sound signal. delete In the payment processing method through the voice call channel of the server connecting the voice call channel with a VoIP terminal equipped with a card reader, When a payment intention signal is received through the voice call channel, transmitting a sound signal (or a trigger sound signal) encoded with a payment means request sound code to the VoIP terminal through the voice call channel; Receiving a payment means information sound signal encoded by combining payment means information and a checksum digit for the payment means information from the VoIP terminal through the voice call channel; Extracting payment means information and a checksum digit by decoding the payment means information sound signal; Confirming validity of the payment means information through the checksum digit; And When the validity of the payment means information is confirmed, the step of processing the payment through the payment means; payment processing method through a voice call channel comprising a. delete In the payment processing system through the voice call channel of the server connecting the voice call channel with the VoIP terminal equipped with a card reader, Transmission means for transmitting a sound signal (or a trigger sound signal) encoded with a payment means request sound code to the VoIP terminal through the voice call channel, when a payment intention signal is received through the voice call channel; Receiving means for receiving a payment means information sound signal encoded by combining payment means information and a checksum digit for the payment means information from the VoIP terminal through the voice call channel; Extraction means for decoding the payment means information sound signal to extract payment means information and a checksum digit; Validity confirming means for verifying validity of the payment means information through the extracted checksum digits; And When the validity of the payment means information is confirmed, payment processing means for processing the payment through the payment means; payment processing system via a voice call channel comprising a.

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