KR100981067B1 - System and Method for Reservingor Booking Online Ticket by Using VoIP Terminal - Google Patents

Abstract

The present invention can be connected to a plurality of communication media, and through a VoIP terminal equipped with a card reader, payment from the Internet reservation / reservation server on the communication network including the VoIP phone number, payment amount information and merchant information corresponding to the VoIP terminal Upon receiving the information, transmitting the payment information to the VoIP terminal through a first communication medium among a plurality of communication media connectable from the VoIP terminal, and receiving the card information from the customer card through the card reader at the VoIP terminal. And generating payment request information including reading card information and payment information received through the first communication medium and transmitting the payment request information through a second communication medium among a plurality of communication media connectable to the VoIP terminal. Receiving the payment request information through a communication network including a second communication medium; and transmitting the payment request to a van server. Transmitting the billing information and the card information included in the information, and the card payment to be processed, the electronic ticket data in the Internet reservation / booking server, and transmitting the VoIP terminal.

VIO, Terminal, Online, Ticket, Reservation (or Reservation)

Description

System and Method for Reserving (or Booking) Online Ticket by Using VoIP Terminal}

1 is a diagram showing the configuration of an online ticket reservation / reservation system using the VoIP composite terminal 100 according to an embodiment of the present invention.

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

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

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

FIG. 5 is a diagram illustrating an operation of the VoIP composite terminal 100 for searching for a communication medium for payment of giro through the selective payment (or financial transaction) according to the communication medium identification according to the method of the present invention.

FIG. 6 is a view illustrating an operation process of the VoIP composite terminal 100 for searching for a communication medium for ticket reservation / advance processing through selective payment (or financial transaction) according to the communication medium identification according to an embodiment of the present invention. .

FIG. 7 is a diagram illustrating an operation process of the VoIP composite terminal 100 for searching for a communication medium for electronic money charging processing through selective payment (or financial transaction) according to the communication medium identification according to the embodiment of the present invention.

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

9 is a flowchart illustrating an operation of the VoIP composite terminal 100 for the selective payment processing according to the communication medium identification according to another embodiment of the present invention.

10 is a diagram illustrating a transaction process for selective payment processing according to communication medium identification according to an embodiment of the present invention.

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

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

13 is a diagram illustrating a transaction process for selective financial transaction processing according to communication medium identification according to an embodiment of the present invention.

FIG. 14 is a diagram illustrating an operation process of the VoIP composite terminal 100 for branch payment processing through selective payment settlement (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

FIG. 15 is a diagram illustrating an operation process of the VoIP composite terminal 100 for branch payment processing through selective payment (or financial transaction) according to communication medium identification according to another embodiment of the present invention.

FIG. 16 is a diagram illustrating a transaction process for processing giro payment through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

FIG. 17 is a view illustrating an operation process of the VoIP composite terminal 100 for ticket reservation / reservation processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

FIG. 18 is a flowchart illustrating an operation of the VoIP composite terminal 100 for ticket reservation / reservation processing through selective payment (or financial transaction) according to communication medium identification according to another embodiment of the present invention.

19 is a diagram illustrating a transaction process for ticket reservation / booking processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

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

FIG. 21 is a view illustrating an operation process of the VoIP composite terminal 100 for electronic money charging processing through selective payment (or financial transaction) according to communication medium identification according to another embodiment of the present invention.

22 is a diagram illustrating a transaction process for electronic money charging processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

FIG. 23 is a diagram illustrating the configuration of an online ticket reservation / reservation system using the VoIP composite terminal 100 having a selective payment (or financial transaction) function according to a communication medium identification according to an embodiment of the present invention.

FIG. 24 is a view illustrating providing payment information to a VoIP composite terminal 100 through a first communication medium among a plurality of communication media connectable from the VoIP composite terminal 100 for online ticket reservation / reservation according to an embodiment of the present invention. A diagram illustrating the process.

25A and 25B illustrate a VoIP composite terminal 100 providing payment information through a first communication medium among a plurality of communication media connectable from the VoIP composite terminal 100 for ticket reservation / reservation according to another exemplary embodiment of the present invention. It is a diagram showing a process provided by.

26 is a process for payment processing using payment request information transmitted through a second communication medium among a plurality of communication media connectable in the VoIP composite terminal 100 for ticket reservation / reservation according to an embodiment of the present invention. Figure is a diagram.

FIG. 27 is a payment processing process using payment request information transmitted through a second communication medium among a plurality of communication media connectable in the VoIP complex terminal 100 for ticket reservation / reservation according to another embodiment of the present invention. A diagram illustrating a process of doing so.

28 is a diagram illustrating a process of receiving an electronic ticket and recording it on an IC card after payment processing according to an online ticket reservation / advance according to an embodiment of the present invention.

<Description of main parts of drawing>

100: VoIP composite terminal 105: client terminal

110: Internet reservation / reservation server 115: Payment agency server

120: platform operation server 125: van server

130: card company server 135: VoIP; Gateway

140: gatekeeper

The present invention can be connected to a plurality of communication media, and through a VoIP terminal equipped with a card reader, payment from the Internet reservation / reservation server on the communication network including the VoIP phone number, payment amount information and merchant information corresponding to the VoIP terminal Upon receiving the information, transmitting the payment information to the VoIP terminal through a first communication medium among a plurality of communication media connectable from the VoIP terminal, and receiving the card information from the customer card through the card reader at the VoIP terminal. And generating payment request information including reading card information and payment information received through the first communication medium and transmitting the payment request information through a second communication medium among a plurality of communication media connectable to the VoIP terminal. Receiving the payment request information through a communication network including a second communication medium; and transmitting the payment request to a van server. Sending the payment information and the card information included in the information so that the card payment is processed, and the online ticket reservation through the VIO IP terminal comprising the step of transmitting the electronic ticket information to the VoIP terminal from the Internet reservation / reservation server (or Advance).

Currently, society has been able to make reservations / booking tickets in various ways through the Internet due to the rapid development, and as a result, more convenient opportunities to watch cultural performances and movies using tickets are provided.

However, when a ticket is booked / reserved through the Internet, the actual movie theater, a theater, etc., the payment process is omitted, and a procedure for issuing a ticket still exists.

In addition, when requesting payment through the Internet, the existing card number or the method of using the Internet security payment service, etc., the inconvenience of having to enter the card number directly, and in addition to the card number must enter a lot of information such as expiration date In the case of the Internet security payment service, there is a difficult problem that cannot be used unless it is registered in advance through the terminal.

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems includes a VoIP terminal capable of connecting with a plurality of communication media and including a VoIP terminal, and having a VoIP telephone number corresponding to the VoIP terminal from an Internet reservation / reservation server on a communication network. Means for transmitting the payment information to the VoIP terminal through a first communication medium among a plurality of communication media connectable from the VoIP terminal upon receiving payment information including payment amount information and merchant information; Among the plurality of communication media that can be connected to the VoIP terminal by reading the card information from the customer card through a card reader, generating payment request information including the read card information and payment information received through the first communication medium When the transmission is made through a second communication medium, the payment request information may be received through a communication network including the second communication medium. Means for transmitting the payment information and the card information included in the payment request information to a van server so that the card payment is processed, and the means for transmitting the electronic ticket information to the VoIP terminal from the Internet reservation / reservation server. The present invention provides an online ticket reservation (or advance reservation) system through a VIP terminal.

The present invention provides an online ticket reservation (or advance reservation) method through a VoIP terminal equipped with a card reader, which can be connected to a plurality of communication media, and the VoIP telephone number corresponding to the VoIP terminal from an Internet reservation / reservation server on the communication network. Receiving payment information including payment amount information and merchant information, transmitting the payment information to the VoIP terminal through a first communication medium among a plurality of communication media connectable from the VoIP terminal; Among the plurality of communication media that can be connected to the VoIP terminal by reading the card information from the customer card through a card reader, generating payment request information including the read card information and payment information received through the first communication medium When transmitting through a second communication medium, the payment request information is transmitted through a communication network including the second communication medium. A step of making a payment and transmitting the payment information and the card information included in the payment request information to a van server so that the card payment is processed, and transmitting the electronic ticket information to the VoIP terminal from the internet reservation / reservation server. Characterized in that comprises a.

According to the present invention, when the IC card having a space for recording electronic ticket information is inserted into the VoIP terminal, the method further comprises the step of recording the received electronic ticket information on the inserted IC card. .

According to the invention, it characterized in that it further comprises the step of connecting the communication channel with the VoIP terminal via a second communication medium of the plurality of communication media connectable in the VoIP terminal.

According to the present invention, the method may further include verifying validity of the payment request information through the VoIP phone number included in the payment request information.

On the other hand, the present invention includes a computer-readable recording medium characterized in that the program for executing the online ticket reservation (or advance reservation) method through the VoIP terminal described above is recorded.

On the other hand, the present invention is connected to a plurality of communication media, in the online ticket reservation (or advance reservation) system via a VoIP terminal having a card reader, VoIP telephone corresponding to the VoIP terminal from the Internet reservation / reservation server on the communication network Means for transmitting the payment information to the VoIP terminal through a first communication medium among a plurality of communication media connectable from the VoIP terminal upon receiving payment information including number, payment amount information and merchant information; Reads card information from the customer card through the card reader, generates payment request information including the read card information and payment information received through the first communication medium, and connects the plurality of communications to the VoIP terminal; When transmitting through a second communication medium of the medium, the payment request through a communication network including the second communication medium Sending the payment information and the card information included in the payment request information to a van server and transmitting the electronic ticket information to the VoIP terminal from the Internet reservation / reservation server. It characterized in that it comprises a means.

According to the present invention, the second communication medium is a local area communication of the VoIP terminal through a wide area communication medium including a data communication-based IP communication network connectable to the VoIP terminal, or a wireless communication repeater located at a short distance of the VoIP terminal. Short-range wireless communication medium of a packet-switching method for communicating with a client terminal located therein, or a short-range packet-switching method for communicating with a client terminal located in the local area of the VoIP terminal through a wired communication repeater located in the local area of the VoIP terminal. Short-range wireless communication medium for direct communication that connects a wired communication medium or a client terminal located in a short distance of the VoIP terminal and short-range wireless communication, or a direct connection for short-range wired communication for a client terminal located in a short distance of the VoIP terminal. Short-range wired communication media of communication method, Including an optical communication medium for connecting the client terminal and the optical communication which is located in the local area of the VoIP terminal at least one characterized in that formed.

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 known function or configuration related to the present invention 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 system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, 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.

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 showing the configuration of an online ticket reservation / reservation system using the VoIP composite terminal 100 according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, a short range wireless communication medium of a packet switched method, a short range wireless communication medium of a direct communication method, and a short distance wired communication of a packet switched method. System configuration for processing online card payment using VoIP composite terminal 100 connected to at least one communication medium of at least one of a medium, a near field communication medium of a direct communication method, a near field communication medium including at least one optical communication medium. As those skilled in the art to which the present invention pertains, various embodiments of the online ticket reservation / booking system using the VoIP composite terminal 100 can be inferred by referring to and / or modifying the present invention. As will be appreciated, the present invention includes all implementation methods inferred by the present invention. It is not limited that the technical features of only the exemplary method shown.

Referring to FIG. 1, an online ticket reservation / reservation system using the VoIP composite terminal 100 includes a client terminal 105, a VoIP composite terminal 100, and various communication devices provided in a home, a store, and an office. An online card including a client system, an internet reservation / booking server 110, a payment agent server 115, a van server 125, and a card company server 130 connected to the client terminal 105 through an IP communication network. And a VoIP system including a VoIP gateway 135 and a gatekeeper 140 connected to the VoIP composite terminal 100 through an IP communication network, and the VoIP composite terminal on the client system. And the VoIP composite terminal 100 in connection with the payment agent server 115 and the van server 125 on the online card payment system and the gatekeeper 140 on the VoIP system. Including platform management server (120) to provide a platform to handle online ticket reservation / booking services and features that takes place.

The client system constituting the online ticket reservation / booking system using the VoIP composite terminal 100 is connected to an IP communication network through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium. A client terminal having a short range wireless communication means, a short range wireless communication means of a direct communication method, a short distance wireless communication means of a packet switching method, a short distance wireless communication means of a direct communication method, and a short range communication means including at least one optical communication means ( 105) and a voice communication function by connecting to a VoIP server on an IP communication network through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium. Short-range wireless communication means, packet-switched short-range wired communication means, direct communication room Short-range wireless communication means having a short-range wired communication means, a short-range communication means including at least one optical communication means and a short-range wireless communication of the packet exchange method between the client terminal 105 and the VoIP complex terminal 100 A wireless AP (or wireless IP router) that provides a medium and connects the client terminal 105 and the VoIP composite terminal 100 to an IP communication network, or exchanges packets between the client terminal 105 and the VoIP composite terminal 100. A hub (or an IP router) for providing a short-range wired communication medium, and at least one communication modem for connecting the client terminal 105 and the VoIP composite terminal 100 to an IP communication network. .

The client terminal 105 is characterized in that it comprises a terminal device having an IP communication network connection function, such as a personal computer, a laptop, etc. provided in homes, stores, offices, etc., the wide area communication medium connected to the IP communication network is And at least one wireless communication medium using a wireless AP (or wireless IP router), or a wired communication medium using a hub (or IP router) and a communication modem.

According to an embodiment of the present invention, the client terminal 105 is preferably provided with a browser program for accessing the Internet reservation / booking server 110 through the IP communication network to visit an online ticket store.

In addition, the client terminal 105 is a short-range wireless communication means of the packet-switching method, a short-range wireless communication means of the direct communication method, a short-range wired communication means of the packet switching method for connecting the VoIP composite terminal 100 and the short-range communication channel And at least one short range communication means including at least one short distance wired communication means of a direct communication method and an optical communication means.

The short-range wireless communication means of the packet-switched method connects the VoIP composite terminal 100 and the short-range wireless communication channel through a packet-switched short-range wireless communication medium. And a short distance communication channel between the client terminal 105 and a wireless access point (or wireless IP router) located at a short distance through wireless, and the wireless AP (or wireless IP router) through the wireless AP (or wireless IP router). Or at least one device (or server) located at a short distance from a wireless IP sharer) to wirelessly connect a short range communication channel, wherein the short range wireless communication medium is Bluetooth (BlueTooth) compliant with the IEEE 802.11.x standard. Preferably, at least one of Wi-Fi, Ultra Wide Band system (UWB), and the like, the short-range wireless communication medium Acids is possible to replace it with another communication medium in accordance with the intentions of those of ordinary skill in the art (or more), and to which the present invention is not limited.

Alternatively, the short range wireless communication means of the direct communication method may connect the VoIP composite terminal 100 and the short range wireless communication channel through a short range wireless communication medium of the direct communication method, and the short range wireless communication of the direct communication method. The medium is a communication medium for directly connecting a short-range communication channel to the client terminal 105 and a device (or server) located in a short distance through a wireless network, and the short-range wireless communication medium supports a radio frequency (RF) radio frequency. It is preferable to include at least one communication, Bluetooth, Wi-Fi, UWB, and the short-range wireless communication medium type can be replaced (or added) with another communication medium according to the intention of those skilled in the art, whereby the present invention It is not limited.

Alternatively, the packet-switched short-range wired communication means connects the VoIP composite terminal 100 and the short-range wired communication channel through a packet-switched short-range wired communication medium, and the packet-switched short-range wired communication. The medium may connect a short distance communication channel to a hub (or an IP router or a communication modem) located at a short distance from the client terminal 105 through a wire, and connect the hub (or an IP router or a communication modem) to the hub (or an IP router or a communication modem). An IP router, a communication modem) and a device (or server) located in a short distance to connect a short distance communication channel through a wire, and the short range wireless communication medium may be a NetBIOS standard, an IPX / SPX standard, or TCP / IP (Transmission). It is preferable to include at least one Control Protocol / Internet Protocol (standard), and the type of short-range wired communication medium is intended by those skilled in the art Possible according to (or weight) is replaced by any other communications medium, and is not limited by the present invention thereto.

Alternatively, the short-range wired communication means of the direct communication method is characterized by connecting the VoIP composite terminal 100 and the short-range wired communication channel through a short-range wired communication medium of the direct communication method, the short-range wired communication of the direct communication method The medium is a communication medium for directly connecting a short-range communication channel to the client terminal 105 and a device (or server) located in a short distance through a wire, and the short-range wired communication medium supports a universal serial communication (USB). Bus), RS-232c, 1394 or more, and the short-range wired communication medium may be replaced (or added) with another one according to the intention of a person skilled in the art, and the present invention is not limited thereto. No.

Alternatively, the optical communication means is connected to the VoIP composite terminal 100 and a short-range optical communication channel through an optical communication medium, the optical communication medium, the device located in the near field with the client terminal 105 (Or a server) and a communication medium that directly connects a short-range communication channel through optical communication in the infrared region, and includes at least an infrared communication complying with the Infrared Data Association (IrDA) standard and an infrared communication conforming to the IrFM (Infrared Finance Messaging) IrDA standard. It is preferable to include one or more, and the type of optical communication medium can be replaced (or added) with another communication medium according to the intention of the skilled person, and the present invention is not limited thereto.

The VoIP composite terminal 100 is a VoIP terminal including the functional configuration shown in FIG. 2, which is connected to an IP communication network through a VoIP gateway 135 and a gatekeeper 140 on a VoIP system through a wide area communication medium. It is characterized in that it connects a voice call channel with a wired telephone connected to a telephone network including a cell phone connected to a Code Division Multiple Access (CDMA) / Wide-CDMA (WCDMA) based mobile communication network and a public switched telephone network (PSTN) / intelligence network. The wide area communication medium connecting to the IP communication network includes at least one wireless communication medium using the wireless AP (or wireless IP router), or a wired communication medium using a hub (or IP router) and a communication modem. It is done.

In addition, the VoIP composite terminal 100 is a short-range wireless communication means of the packet-switching method, a short-range wireless communication means of the direct communication method, a short-range wired communication means of the packet switching method for connecting the short-range communication channel with the client terminal 105 And at least one short range communication means including at least one short distance wired communication means of a direct communication method and an optical communication means.

The short-range wireless communication means of the packet-switched method connects the short-range wireless communication channel with the client terminal 105 through a short-range wireless communication medium of a packet switched method, and the short-range wireless communication medium of the packet switched method, A wireless AP (or wireless IP sharer) located at a short distance with the VoIP composite terminal 100 connects a short range communication channel through wireless, and the wireless AP (or wireless IP sharer) via the wireless AP (or wireless IP sharer). Or at least one device (or server) located at a short distance from a wireless IP sharer) to wirelessly connect a short range communication channel, wherein the short range wireless communication medium is Bluetooth (BlueTooth) compliant with the IEEE 802.11.x standard. Preferably, at least one of Wi-Fi, Ultra Wide Band system (UWB), and the like, the short-range wireless communication medium The type may be replaced (or added) with other communication media according to the intention of the person skilled in the art, and the present invention is not limited thereto.

Alternatively, the short range wireless communication means of the direct communication method may connect the short range wireless communication channel with the client terminal 105 through a short range wireless communication medium of the direct communication method, and the short range wireless communication medium of the direct communication method. Is a communication medium for directly connecting a short-range communication channel through a wireless device (or server) located at a short distance with the VoIP composite terminal 100, and the short-range wireless communication medium supports a radio frequency (RF) radio frequency. It is preferable to include at least one communication, Bluetooth, Wi-Fi, UWB, and the short-range wireless communication medium type can be replaced (or added) with another communication medium according to the intention of those skilled in the art, whereby the present invention It is not limited.

Alternatively, the short-range wired communication means of the packet-switched method connects the short-range wired communication channel to the client terminal 105 through a short-range wired communication medium of the packet switched method, and the short-range wired communication medium of the packet switched method. The short-range communication channel is connected to the VoIP composite terminal 100 and a hub (or an IP router or a communication modem) located in a short distance through a wire, and the hub (or an IP router or a communication modem) is connected through the hub (or an IP router or a communication modem). An IP router, a communication modem) and a device (or server) located in a short distance to connect a short distance communication channel through a wire, and the short range wireless communication medium may be a NetBIOS standard, an IPX / SPX standard, or TCP / IP (Transmission). It is preferable to include at least one Control Protocol / Internet Protocol (standard), and the type of short-range wired communication medium is intended by those skilled in the art It is possible to alternate according to a different communication medium (or more), and is not limited by the present invention thereto.

Alternatively, the short-range wired communication means of the direct communication method is characterized in that for connecting the short-range wired communication channel with the client terminal 105 through a short-range wired communication medium of the direct communication method, the short-range wired communication medium of the direct communication method Is a communication medium for directly connecting a short-range communication channel to the VoIP composite terminal 100 and a device (or server) located in a short distance through a wire, and the short-range wired communication medium supports a USB (Universal Serial) that supports a direct communication method. Bus), RS-232c is preferably included at least one, and the type of short-range wired communication medium may be replaced (or added) according to the intention of those skilled in the art, and the present invention is not limited thereto. .

Alternatively, the optical communication means connects the short distance optical communication channel with the client terminal 105 through an optical communication medium, and the optical communication medium is located near the VoIP composite terminal 100. (Or a server) and a communication medium that directly connects a short-range communication channel through optical communication in the infrared region, and includes at least an infrared communication complying with the Infrared Data Association (IrDA) standard and an infrared communication conforming to the IrFM (Infrared Finance Messaging) IrDA standard. It is preferable to include one or more, and the type of optical communication medium can be replaced (or added) with another communication medium according to the intention of the skilled person, and the present invention is not limited thereto.

The wireless AP (or wireless IP sharer) provides a short-range wireless communication medium or a wireless communication medium in a packet-switched manner to the client terminal 105 and the VoIP composite terminal 100, and the hub (or IP). Router) and a communication modem are characterized in that a packet-switched short-range wired communication medium, or a wired communication medium is provided to the client terminal 105 and the VoIP composite terminal 100, and is commonly used in the art. Those skilled in the art will be familiar with the technical features of the wired and wireless communication devices, and a detailed description thereof will be omitted for convenience.

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The online card payment system constituting the online ticket reservation / reservation system using the VoIP composite terminal 100 is connected to the client terminal 105 through an IP communication network, and the Internet terminal reservation system is reserved to the client terminal 105. Provides a plurality of online tickets that are available for sale, and a server for providing a payment module in the form of a plug-in to the Internet reservation / booking server 110 and the Internet reservation / booking server 110 to sell the plurality of online tickets. A van server 125 which receives payment approval request information requested from the payment agency server 115 and provides the payment approval request information to a card company server 130, and the van server 125. And is connected via a dedicated network, characterized in that made by including a card company server 130 for approving the card payment corresponding to the payment approval request information.

The Internet reservation / booking server 110 is connected to the client terminal 105 through an IP communication network, provides an online ticket store to the client terminal 105, and sells a ticket provided in the online ticket store. As a generic term for a server, those skilled in the art will be familiar with the technical features of the Internet reservation / reservation server 110, and thus a detailed description thereof will be omitted.

The payment server 115 is a payment gateway (PG) that is connected to the Internet reservation / reservation server 110 through a communication network to provide a payment module in the form of a plug-in to the Internet reservation / reservation server 110, The payment module comprises at least one shopping cart module, a payment method selection module, and a payment module for each payment method.

Here, the shopping cart module receives the ticket information (eg, a ticket name, a ticket sale amount, etc.) purchased from the client terminal 105 from the internet reservation / scheduling server 110 and stores the data in a database. It is preferable to include a module for calculating a payment amount for at least one ticket information.

In addition, the payment means selection module is a module comprising a user interface for selecting a payment means for payment processing the payment amount, the payment means is a card payment means (eg credit card payment means, check card payment means Etc.), it is preferable that the account transfer means, at least one or more comprises a virtual account payment means.

According to the present invention, the payment means selection module further comprises a user interface for selecting a VoIP payment means to process the online ticket reservation / booking using the VoIP composite terminal 100, the VoIP payment The means includes a payment means for payment processing the payment amount by using the card information read through the card reader provided in the VoIP composite terminal 100.

The payment module for each payment means may include at least one relay server (eg, van server 125), a communication network, and a payment server (eg, card company server 130) corresponding to the payment means selected by the payment means selection module. A module for processing a payment transaction in association with a financial institution server, a secure click payment module (or secure payment settlement module) for processing the card payment, or an account transfer payment module for processing the bank transfer payment; Or it may be made of at least one virtual account payment module for processing the virtual account payment.

According to the present invention, in order to process the online ticket reservation / booking using the VoIP composite terminal 100, the payment module for each payment means is selected to the client terminal 105 when the VoIP payment means is selected in the payment means selection module. A user interface for inputting a VoIP telephone number assigned to the VoIP composite terminal 100, a VoIP telephone number including the user interface, payment amount information calculated by the shopping cart module, and the Internet reservation / reservation server ( And a VoIP payment module for transmitting the ticket reservation / advance information including the merchant information corresponding to the online ticket store provided at 110 to the platform operation server 120 through a communication network. Payment corresponding to the reservation / advance information is processed through the VoIP composite terminal 100 provided in the client system. Is preferred.

The VoIP system constituting the online ticket reservation / booking system using the VoIP composite terminal 100 includes a VoIP gateway 135 connected to the VoIP composite terminal 100 through an IP communication network, and the VoIP composite terminal 100. Or a subscriber station with respect to a conventional VoIP terminal, the VoIP composite terminal 100 and at least one other call terminal (e.g., another VoIP terminal connected to an IP communication network, a cellular phone connected to a CDMA / WCDMA based mobile communication network, a PSTN / And a gatekeeper 140 for connecting a voice call channel by performing a call processing procedure between wired telephones connected to a telephone network including an intelligent network.

The VoIP gateway 135 is a gateway to which the VoIP composite terminal 100 is connected through the IP communication network for VoIP-based voice calls. If the VoIP gateway 135 has a general knowledge in the art, the VoIP gateway ( 135 will be familiar with the technical features, detailed description thereof will be omitted for convenience.

The gatekeeper 140 is connected to the VoIP composite terminal 100 through the VoIP gateway 135, and the VoIP composite terminal 100 and at least one other call terminal (eg, another VoIP terminal connected to an IP communication network). And a voice call channel by performing a call processing procedure between a mobile phone connected to a CDMA / WCDMA based mobile communication network and a landline phone connected to a telephone network including a PSTN / Intelligent network.

According to the present invention, the gatekeeper 140 includes the ticket reservation / reservation information according to the message exchange protocol defined in the VoIP system to process the online ticket reservation / reservation using the VoIP composite terminal 100. The card transaction message may be transmitted to the VoIP composite terminal 100 through the VoIP gateway 135.

Those skilled in the art will be familiar with the message exchange protocol specification defined in the VoIP system, so a detailed description thereof will be omitted for convenience.

The platform operation server 120 is connected to the VoIP composite terminal 100 on the client system via an IP communication network, and when the VoIP composite terminal 100 is provided in the client system, the VoIP composite terminal 100, the platform operation server 120 may be searched first through a wide area communication medium.

In addition, the platform operation server 120 is characterized in that the communication is connected to the payment agent server 115 on the online card payment system through a communication network, when the online ticket reservation / booking process using the VoIP composite terminal 100, It is characterized in that for receiving the ticket reservation / reservation information provided from the Internet reservation / reservation server 110 from the payment agent server 115.

In addition, the platform operation server 120 is characterized in that the communication with the gatekeeper 140 on the VoIP system through a communication network, the payment agent for the online ticket reservation / booking processing using the VoIP composite terminal 100. When the ticket reservation / reservation information is received from the server 115, a card transaction message including the ticket reservation / reservation information is generated and transmitted to the gatekeeper 140 on the VoIP system.

In addition, the platform operation server 120 provides the ticket reservation / reservation request information to the van server 125 when the ticket reservation / reservation request information is received from the VoIP composite terminal 100 through the IP communication network. Thereafter, the van server 125 transmits the ticket reservation / reservation request information to the card company server 130 corresponding to the card information included in the ticket reservation / reservation request information.

Hereinafter, the functional configuration of the VoIP composite terminal 100 for the online ticket reservation / booking processing using the VoIP composite terminal 100 will be described.

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

In more detail, FIG. 2 illustrates a VoIP composite terminal 100 having a selective payment (or financial transaction) function according to a communication medium identification including at least one of short range wireless communication, short distance wire communication, short distance optical communication, and wide area communication. As a person of ordinary skill in the art to which the present invention pertains, reference to and / or modification of FIG. 2 includes a selective payment (or financial transaction) processing function according to communication medium identification. Various VoIP composite terminal 100 can be inferred functional configuration, but the present invention includes all the implementation method inferred, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 2, the VoIP composite terminal 100 for selective payment (or financial transaction) processing according to communication medium identification is basically a control unit 205, a memory unit 230, a card reader unit 210, and a key. It comprises an input unit 220, a screen output unit 215, a sound processor 225, security application module 250 and a power supply for supplying power to the VoIP composite terminal 100, the VoIP composite terminal ( At least one or more of the wireless communication unit 235 and the wired communication unit 240 and the optical communication unit 245 for communication connection with a plurality of communication media 100, at least one terminal function according to the intention of those skilled in the art It is possible to further comprise a part (not shown).

The control unit 205 controls the overall operation of the VoIP composite terminal 100 in function configuration, manages the flow of information or data between each component, and selective payment (or communication according to the communication medium identification function and communication medium identification) It is characterized by interworking and controlling at least one or more components provided in the VoIP composite terminal 100 for a financial transaction) function, and includes a hardware (Central Processing Unit) / MPU (Micro Processing Unit) in hardware At least one processor, an execution memory (for example, a register or a random access memory (RAM)), and a bus (BUS) for inputting and outputting predetermined data. Loaded from a predetermined recording medium to the execution memory to perform a function of a predetermined operation that is processed by the processor It includes a program routine (Routine) or program data of (therefore, recorded on the recording medium provided in the VoIP composite terminal 100 for the communication medium identification function and selective payment (or financial transactions) function according to the communication medium identification) A predetermined program, or a component capable of being processed in software from among the functional configurations provided in the VoIP composite terminal 100, is shown in the control unit 205).

According to an embodiment of the present invention, the control unit 205 is a component (eg, the memory unit 230, the card reader unit 210, the key input unit 220, and the screen) provided in the VoIP composite terminal 100. Output unit 215, security application module 250 and at least one wireless communication unit 235 and wired communication unit 240 and optical communication unit 245, or terminal functional unit (not shown) according to the intention of those skilled in the art Controlling and managing providing the electronic payment service defined in the VoIP composite terminal 100 by interworking with each other, as well as providing the VoIP composite terminal 100 with selective payment (or financial transaction) processing according to communication medium identification. To execute the program recorded in the recording medium provided in the VoIP composite terminal 100 for the control of the components provided with each other, or for the selective payment (or financial transaction) processing according to the communication medium identification. Desirable The.

The memory unit 230 inputs and outputs information when an operation by a predetermined program routine (or code) or program data (for example, a program routine (or code)) for controlling the overall operation of the VoIP composite terminal 100 is performed. Or a general term of non-volatile memory for storing data, and includes at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EEPROM) or flash memory (FM) or hard disk drive (HDD). And a predetermined program routine and program data (e.g., data input or output for the program routine to perform a predetermined function) that is required for the control unit 205 to perform a predetermined control function. It features.

According to an embodiment of the present invention, the memory unit 230 includes a plurality of communication media including at least one of short-range wireless communication, short-range wired communication, short-range optical communication, and wide-area communication provided in the VoIP composite terminal 100. It is preferable to store at least one information, payment processing information for each communication medium, banking processing information for each communication medium, Jiro processing information for each communication medium, ticket processing information for each communication medium, and charging processing information for each communication medium.

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

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

Here, the packet-switched short-range wireless communication medium is connected to the VoIP composite terminal 100 and a wireless access point (or wireless IP sharer) located in a short distance through a wireless connection to the short-range communication channel, the wireless AP (Or a wireless IP router) is a communication medium for wirelessly connecting a short distance communication channel with the wireless AP (or wireless IP router) and a client terminal 105 located in a short distance, wherein the short range wireless communication medium is IEEE 802.11. It is preferable to include at least one of Bluetooth (BlueTooth), Wi-Fi (Ui-Fi), UWB (Ultra Wide Band system), etc. conforming to the standard, and the type of short-range wireless communication medium according to the intention of those skilled in the art It is possible to substitute (or add) to, by which the present invention is not limited.

Alternatively, the short-range wireless communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel through the wireless VoIP terminal and the client terminal 105 located in the short-range, the short-range wireless communication medium is It is preferable to include at least one or more RF (Radio Frequency) communication, Bluetooth, Wi-Fi, UWB to support a direct communication method, and the short-range wireless communication medium type is replaced (or added) according to the intention of those skilled in the art The present invention is not limited thereto.

Alternatively, the packet-switched short-range wired communication medium connects the short-range communication channel to the VoIP composite terminal 100 and a hub (or an IP router or a communication modem) located at a short distance through a wire, and the hub (or an IP router). And a communication medium for connecting a short distance communication channel between the hub (or an IP router, a communication modem) and a client terminal 105 located at a short distance through a communication modem. The short range wireless communication medium may be a netbios standard, It is preferable to include at least one or more of the IPX / SPX standard, TCP / IP (Transmission Control Protocol / Internet Protocol) standard, the short-range wired communication medium type is to replace (or add) another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Alternatively, the short-range wired communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel through the wire between the VoIP composite terminal 100 and the client terminal 105 located in the short-range, the short-range wired communication medium is It is preferable to include at least one USB (Universal Serial Bus) and RS-232c which supports a direct communication method, and the short-range wired communication medium may be replaced (or added) with another one according to the intention of a person skilled in the art. The present invention is not limited thereby.

Alternatively, the optical communication medium is a communication medium for directly connecting a short-range communication channel with the VoIP composite terminal 100 and a client terminal 105 located in a short distance through optical communication in an infrared region. An IrDA (Infrared Data Association) standard Infrared communication in accordance with the above, IrDA (Infrared Finance Messaging) of IrFM (Infrared Communication Messaging) is preferably made to include at least one or more, the optical communication medium type is to replace (or add) to another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Alternatively, when the VoIP composite terminal 100 is connected to a wired communication network, the wired communication medium may packet the VoIP composite terminal 100 and a gateway (or platform operating server 120) on the wired communication network through wired communication. As a communication medium for connecting a switched communication channel, it is desirable to provide a data communication conforming to the TCP / IP standard and a VoIP-based voice call based on the data communication, and the type of the wired communication medium is intended by those skilled in the art. It is possible to replace (or add) with another communication medium according to the present invention, whereby the present invention is not limited.

Or, if the VoIP composite terminal 100 is connected to a wireless communication network including at least one or more wireless sections, the VoIP composite terminal 100 and a gateway (or platform operation server 120) on the wireless communication network Is a communication medium for connecting a packet-switched communication channel through wireless communication, the data communication conforming to at least one of the IEEE 802.16x standard and the high-speed downlink packet access (HSDPA) standard, and based on the data communication. It is desirable to provide a VoIP-based voice call, and the type of wired communication medium may be replaced (or added) with another communication medium according to the intention of a person skilled in the art, and the present invention is not limited thereto.

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

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

In the payment processing using the VoIP composite terminal 100, when payment information for the payment processing is received through at least one communication medium, the communication medium switching information is a first communication medium that receives the payment information. And second communication medium information for transmitting the payment request information including the payment information and the card information read through the card reader 210.

Alternatively, when the payment information for the payment processing is input through the key input unit 220, the communication medium switching information may include the payment information input through the key input unit 220 and the card reader 210. And second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium to which the VoIP composite terminal 100 is connected before the payment processing is the second communication medium. It is possible to include a communication medium such as a medium or include another communication medium.

In addition, the key data is confidentiality, authentication, integrity and integrity of the payment request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the payment request information. It is preferable to include at least one encryption key (or decryption key) for securing nonrepudiation.

The payment related automatic input information may be automatically input (or corrected after automatic input) among information input by the user through the key input unit 220 during the payment settlement process using the VoIP composite terminal 100. It is preferable that at least one information is included.

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

In the financial transaction processing using the VoIP composite terminal 100, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include: a first receiving the financial transaction information; Preferably, the communication medium information includes second communication medium information for transmitting the financial transaction request information including the communication medium information, the financial transaction information, and the card information read through the card reader 210.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 220, the communication medium switching information may be the financial transaction information input through the key input unit 220 and the card reader unit 210. It is preferable that the second communication medium information for transmitting the financial transaction request information including the card information that is read through the), the VoIP communication terminal 100 is connected to the first communication medium before the financial transaction processing It is possible to include a communication medium such as the second communication medium or another communication medium.

In addition, the key data is encrypted to secure confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the financial transaction request information. It is preferable to include at least one key (or decryption key).

In addition, the banking-related automatic input information may be automatically input (or corrected after automatic input) among information input by the user through the key input unit 220 during the financial transaction processing using the VoIP composite terminal 100. It is preferable that at least one information is included.

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

In the zero payment process using the VoIP composite terminal 100, when the zero payment information for the payment is received through at least one or more communication media, the communication medium switching information is the first to receive the payment information. Preferably, the communication medium information includes second communication medium information for transmitting the branch payment request information including the communication medium information, the branch payment information, and the card information read through the card reader 210.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 220, the communication medium switching information is inputted through the key input unit 220 and the card reader unit 210. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the VoIP communication terminal 100 is connected to the first communication medium before the payment process is the It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is encrypted to secure the confidentiality, authentication, integrity and non-repudiation of the Giro payment request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the Giro payment request information At least one key (or decryption key) is preferably included.

In addition, the giro-related automatic input information may be automatically input (or corrected after automatic input) of the information input by the user through the key input unit 220 during the giro payment processing using the VoIP composite terminal 100. It is preferable that at least one information is included.

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

When the ticket reservation / reservation using the VoIP composite terminal 100, when the ticket reservation / reservation information for the ticket reservation / reservation is received through at least one or more communication media, the communication medium switching information is the ticket reservation / reservation It includes first communication medium information for receiving information, and the second communication medium information for transmitting the ticket reservation / reservation request information including the ticket reservation / reservation information and the card information read through the card reader 210 It is preferable to make it.

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 220, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 220 and the Preferably, the VoIP composite terminal 100 includes the second communication medium information for transmitting the ticket reservation / reservation request information including card information read through the card reader unit 210. The first communication medium previously connected may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data is the confidentiality, authentication, integrity and non-repudiation of the ticket reservation / reservation request information between the VoIP composite terminal 100 and the platform operation server 120 that receives the ticket reservation / reservation request information It is preferable to include at least one encryption key (or decryption key) to secure.

In addition, the ticket reservation / reservation-related automatic input information is when the ticket reservation / reservation using the VoIP composite terminal 100, the automatic input of the information input by the user through the key input unit 220 (or after automatic input) It is preferable to include at least one information which may be modified).

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

When the electronic money is charged using the VoIP composite terminal 100, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information is used to receive the electronic money charging information. Preferably, the first communication medium includes second communication medium information for transmitting electronic money charging request information including first communication medium information, the electronic money charging information, and card information read through the card reader 210.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 220, the communication medium switching information is inputted through the key input unit 220 and the electronic money charging information and the card reader unit. It is preferable that the second communication medium information for transmitting the electronic money charging request information including the card information read through the 210, the first communication connected to the VoIP composite terminal 100 before charging the electronic money The medium may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data to ensure confidentiality, authentication, integrity and non-repudiation of the electronic money charging request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the electronic money charging request information. At least one encryption key (or decryption key) is preferably included.

In addition, the electronic money charging-related automatic input information is automatically input (or corrected after automatic input) of the information input by the user through the key input unit 220 when charging the electronic money using the VoIP composite terminal 100 It is preferable to include at least one or more information which may be sufficient.

Customers using the VoIP composite terminal 100, MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard, or contact IC card (or wireless IC chip), or ISO based on the ISO / IEC 7816 standard Has a card (or possesses) at least one contactless IC card (or wireless IC chip) based on the / IEC 14443 standard, and the card reader unit 210 has at least one information or It provides an interface for reading data.

According to an embodiment of the present invention, the card reader unit 210 is an MS reader unit that provides an interface between the MS card and the VoIP composite terminal 100, or the contact IC card and the VoIP composite terminal 100. It comprises a contact IC reader unit for providing an interface, or a contactless IC reader unit for providing an interface between the contactless IC card and the VoIP terminal 100.

The MS reader unit is a card reader unit 210 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 composite terminal 100 from at least one or more tracks provided in the MS of the MS card by using the loaded.

The contact IC reader unit is a card reader unit 210 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a 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) Characterized in that the interface to the VoIP composite terminal (100).

The non-contact IC reader is a card reader 210 based on ISO / IEC 14443. At least one or more of the non-contact IC card may be in electrical contact with a non-contact 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, VoIP information terminal from the IC chip through the half-duplex transaction using the APDU predetermined information or data It is characterized by interfacing to (100).

According to an embodiment of the present invention, the card reader unit 210 may provide predetermined card information (for example, a card to the card reader unit) from at least one or more card reader units 210 for the electronic payment service defined in the VoIP composite terminal 100. It is preferable to read the payment means information corresponding to the payment means including at least one credit card, debit card, debit card, cash card, financial account provided, and also optional payment according to the communication medium identification (or It is desirable to read predetermined card information from at least one card for financial transaction).

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

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

The key input unit 220 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 signals) inputted from the predetermined key, and selects a predetermined key from the predetermined key button provided in the key input device in the specific input mode or operation mode of the VoIP composite terminal 100 controlled by the controller 205. When information (or a signal) is input, a key event corresponding to the input information (or a signal) is generated, and the generated key event is provided to the controller 205, and the controller 205 Acquires predetermined key data corresponding to the key event in the current input mode or the operation mode of the VoIP composite terminal 100, or performs a predetermined function defined by matching the key event. Performing features a to obtain as instruction. The key input unit 220 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 composite terminal 100.

The key input device interworking with the key input unit 220 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 the exemplary embodiment of the present invention, the key input unit 220 may use key data corresponding to the electronic payment service (eg, payment) from at least one or more key input devices for the electronic payment service defined in the VoIP composite terminal 100. It is preferable to perform a function of a key input means for receiving an amount of money, etc., and also for selective payment (or financial transaction) processing according to a communication medium identification. Or financial transaction), it is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of providing a process.

According to the exemplary embodiment of the present invention, the key input device corresponding to the key input unit 220 selects an operation mode of the VoIP composite terminal 100 according to communication medium identification in an initial mode, a voice call mode, or a data communication mode. Key for switching to at least one payment mode for each communication medium, banking mode for each communication medium, giro mode for each communication medium, ticket mode for each communication medium, charging mode for each communication medium, and video receiving mode for payment (or financial transaction) processing It is desirable to have a button.

The screen output unit 215 is a liquid crystal display (LCD) or a CRT (Cathode Ray) by the control unit 205 while the VoIP composite terminal 100 performs a predetermined function (for example, an electronic payment processing function). At least one information or data that is predefined or defined in real time to be output to a predetermined display output device including a tube) through a predefined interface screen, wherein the screen output unit 215 and the screen Output devices interoperate with each other to perform the function of screen output means provided in the VoIP composite terminal 100.

Predefined information or data to be output from the VoIP composite terminal 100 to the screen output device includes key data input through the key input unit 220 or components provided in the VoIP composite terminal 100. Information (or data) stored or generated by the at least one wireless communication unit 235, wired communication unit 240, information (or data) transmitted and received through the optical communication unit 245, or the VoIP composite terminal 100 It includes at least one or more information (or data) corresponding to a predetermined operation result performed by the.

According to a preferred embodiment of the present invention, the screen output unit 215 outputs an electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the VoIP composite terminal 100. It is preferable to perform a function of a screen output means, and to provide a selective payment (or financial transaction) processing according to the communication medium identification to the screen output device for the selective payment (or financial transaction) processing according to the communication medium identification. It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the step.

The sound processor 225 is a function component that processes input and output of sound in the voice call mode of the VoIP composite terminal 100. The sound processor 225 decodes at least one coded sound data (or voice data) to decode the VoIP. It is provided with a vocoder and a codec for encoding and encoding a sound signal outputted through a speaker provided in the composite terminal 100 or through a microphone provided in the VoIP composite terminal 100. Characterized in that made.

The wireless communication unit 235 may include at least one of a short range wireless communication unit 235 and a wide area wireless communication unit 235.

The short range wireless communication unit 235 is a communication unit that connects communication with the short range wireless communication medium in the VoIP composite terminal 100, and is a wireless AP (or wireless access point) located at a short distance with the VoIP composite terminal 100. IP router) to connect a short-range communication channel via wireless, or directly connect the short-range communication channel through the wireless VoIP terminal 100 and the client terminal 105 located in the short-range.

According to an embodiment of the present invention, the short range wireless communication unit 235 connects a short distance communication channel through the wireless AP (or wireless IP sharer) located at a short distance with the VoIP composite terminal 100. In this case, the short-range wireless communication unit 235 preferably comprises at least one Bluetooth (BlueTooth) communication, Wi-Fi (Wi-Fi) communication, UWB (Ultra Wide Band system) communication function in accordance with the IEEE 802.11.x standard. .

According to another embodiment of the present invention, when the short range wireless communication unit 235 directly connects the short distance communication channel with the VoIP composite terminal 100 and the client terminal 105 located in the short range through wireless, the short range wireless communication The communication unit 235 preferably includes at least one of RF (Radio Frequency) communication, Bluetooth communication, Wi-Fi communication, and UWB communication supporting a direct communication method.

The wide area wireless communication unit 235 is a communication unit that connects communication with the wireless communication medium in the VoIP composite terminal 100, and when the VoIP composite terminal 100 connects to a wireless communication network including at least one wireless section. In addition, the VoIP composite terminal 100 and the gateway (or platform operating server 120) on the wireless communication network is characterized in that for connecting the packet-switched communication channel via wireless communication.

According to an embodiment of the present invention, the wide area wireless communication unit 235 preferably provides data communication conforming to at least one of the IEEE 802.16x standard and the HSDPA standard, and a VoIP-based voice call based on the data communication.

The wireless communication unit 235 is characterized in that it comprises at least one short-range wired communication unit 240 and a wide area wired communication unit 240.

The short-range wired communication unit 240 is a communication unit that connects the communication with the short-range wired communication medium in the VoIP composite terminal 100, a hub (or IP router, communication modem) located at a short distance with the VoIP composite terminal 100 It is characterized in that to connect the short-range communication channel via a wire, or directly connecting the short-range communication channel through the wired client terminal 105 located in the near field and the VoIP composite terminal 100.

According to an embodiment of the present invention, when the short-range wired communication unit 240 connects the short-range communication channel with the VoIP composite terminal 100 and a hub (or IP sharer, communication modem) located in a short distance through a wire, The short-range wired communication unit 240 preferably comprises at least one of a NetBIOS standard, an IPX / SPX standard, and a TCP / IP standard.

According to another exemplary embodiment of the present invention, when the short-range wired communication unit 240 directly connects the short-range communication channel with the VoIP composite terminal 100 and the client terminal 105 located in the short-range through a wire, the short-range wired The communication unit 240 preferably includes at least one USB (Universal Serial Bus) and RS-232c supporting a direct communication method.

The wide area wired communication unit 240 is a communication unit for connecting communication with the wired communication medium in the VoIP composite terminal 100, when the VoIP composite terminal 100 is connected to a wired communication network (or intelligent network), the VoIP composite The terminal 100 and the gateway (or the platform operating server 120) on the wired communication network may be connected to a communication channel of a packet switched method through wired communication.

According to the exemplary embodiment of the present invention, the wide area wire communication unit 240 preferably provides data communication based on the TCP / IP standard and VoIP-based voice call based on the data communication.

The optical communication unit 245 is a communication unit that connects the communication with the optical communication medium in the VoIP composite terminal 100, an optical communication in the infrared region with the client terminal 105 located near the VoIP composite terminal 100 It is characterized in that the short-range communication channel through the direct connection.

According to an embodiment of the present invention, the optical communication unit 245 preferably includes at least one infrared communication complying with an Infrared Data Association (IrDA) standard, and an infrared communication conforming to an Infrared Finance Messaging (IrFM) standard of IrDA. .

The security application module 250 (SAM) is a confidentiality or authentication required in the process of performing the selective payment (or financial transaction) by the VoIP composite terminal 100 according to the communication medium identification. Security requirements, including authentication or integrity or nonrepudiation, into a secure and reliable structure within the VoIP composite terminal 100 without using an authentication server (not shown) on the payment network. As a safety device for performing, the VoIP composite terminal 100 encrypts or decrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, electronic payment or electronic payment function). Key information important in the process of adding an authenticator that prevents forgery (or tampering) of the message or performing the security request function. Characterized in that the function to store.

In general, the security application module 250 is preferably made of a predetermined security application module 250 inserter and the security application module 250 chip, the security application module 250 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 250 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the VoIP composite terminal 100 to perform a predetermined security request function) Etc.) or key (e.g., one master key and at least one application key) or protocol (e.g., trading protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol , Privilege acquisition protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / cancel) Command) is preferably provided.

According to an exemplary embodiment of the present invention, the memory of the security application module 250 is a short-range wireless communication corresponding to at least one or more communication media that the VoIP composite terminal 100 can communicate with, in place of the memory unit 230. A plurality of communication medium information including at least one of media information, short range wireless communication medium information, short distance wired communication medium information, short distance wired communication medium information, optical communication medium information, wired communication medium information, and wireless communication medium information; It is possible to store at least one payment processing information for each communication, banking processing information for each communication medium, Jiro processing information for each communication medium, ticket processing information for each communication medium, charging processing information for each communication medium.

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

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

In the payment settlement process using the VoIP composite terminal 100, when payment information for the payment settlement process is received through at least one communication medium, the communication medium switching information is a first communication medium that receives the payment information. And second communication medium information for transmitting the payment request information including the payment information and the card information read through the card reader 210.

Alternatively, when the payment information for the payment processing is input through the key input unit 220, the communication medium switching information may include the payment information input through the key input unit 220 and the card reader 210. And second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium to which the VoIP composite terminal 100 is connected before the payment processing is the second communication medium. It is possible to include a communication medium such as a medium or include another communication medium.

In addition, the key data is confidentiality, authentication, integrity and integrity of the payment request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the payment request information. It is preferable to include at least one encryption key (or decryption key) for securing nonrepudiation.

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

In the financial transaction processing using the VoIP composite terminal 100, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include: a first receiving the financial transaction information; Preferably, the communication medium information includes second communication medium information for transmitting the financial transaction request information including the communication medium information, the financial transaction information, and the card information read through the card reader 210.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 220, the communication medium switching information may be the financial transaction information input through the key input unit 220 and the card reader unit 210. It is preferable that the second communication medium information for transmitting the financial transaction request information including the card information read through), the first communication medium connected to the VoIP composite terminal 100 before the financial transaction processing is It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is encrypted to secure confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the financial transaction request information. It is preferable to include at least one key (or decryption key).

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

In the zero payment process using the VoIP composite terminal 100, when the zero payment information for the payment is received through at least one or more communication media, the communication medium switching information is the first to receive the payment information. Preferably, the communication medium information includes second communication medium information for transmitting the branch payment request information including the communication medium information, the branch payment information, and the card information read through the card reader 210.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 220, the communication medium switching information is inputted through the key input unit 220 and the card reader unit 210. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the VoIP communication terminal 100 is connected to the first communication medium before the payment process is the It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is encrypted to secure the confidentiality, authentication, integrity and non-repudiation of the Giro payment request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the Giro payment request information It is preferable to include at least one key (or decryption key).

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

When the ticket reservation / reservation using the VoIP composite terminal 100, when the ticket reservation / reservation information for the ticket reservation / reservation is received through at least one or more communication media, the communication medium switching information is the ticket reservation / reservation Second communication medium information for transmitting ticket reservation / reservation request information including first communication medium information for receiving information, the ticket reservation / reservation information, and card information read through the card reader unit 210; It is preferable to comprise.

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 220, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 220 and the Preferably, the VoIP composite terminal 100 includes the second communication medium information for transmitting the ticket reservation / reservation request information including card information read through the card reader unit 210. The first communication medium previously connected may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data is the confidentiality, authentication, integrity and non-repudiation of the ticket reservation / reservation request information between the VoIP composite terminal 100 and the platform operation server 120 that receives the ticket reservation / reservation request information It is preferable to include at least one encryption key (or decryption key) to secure.

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

When the electronic money is charged using the VoIP composite terminal 100, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information is used to receive the electronic money charging information. Preferably, the first communication medium includes second communication medium information for transmitting electronic money charging request information including first communication medium information, the electronic money charging information, and card information read through the card reader 210.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 220, the communication medium switching information is inputted through the key input unit 220 and the electronic money charging information and the card reader unit. It is preferable that the second communication medium information for transmitting the electronic money charging request information including the card information read through the 210, the first communication connected to the VoIP composite terminal 100 before charging the electronic money The medium may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data to ensure confidentiality, authentication, integrity and non-repudiation of the electronic money charging request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the electronic money charging request information. At least one encryption key (or decryption key) is preferably included.

Referring to FIG. 2, the VoIP composite terminal 100 is connected to a communication unit that processes at least one wide area communication among the wireless communication unit 235 and the wired communication unit 240 in a voice call mode (eg, a VoIP system on a communication network). A communication channel connection unit 260 for connecting a communication channel with the VoIP gateway 135 and the VoIP gatekeeper 140, and performs a call processing procedure for a VoIP-based voice call through the communication channel, and at least one call terminal And a voice call processing unit for providing a voice call service with a call terminal to which the call is connected through the communication channel.

The VoIP composite terminal 100 shown in FIG. 2 basically provides a VoIP voice call function. For this purpose, the communication channel connection unit 260 may include at least one of the wireless communication unit 235 and the wired communication unit 240. It is characterized in that the communication channel for VoIP voice call with the VoIP gateway 135, or VoIP gatekeeper 140 on the communication network in connection with the communication unit for processing the communication.

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

The voice call processing unit performs a call processing procedure with at least one or more other call terminals in connection with the VoIP gateway 135 or the VoIP gatekeeper 140 on the communication network through the communication channel, and connects the call with at least one call terminal. And providing a voice call service and a voice call service connected to the call through the communication channel.

Those skilled in the art will be familiar with the technical features of the communication channel connection unit 260 and the voice call processing unit for the VoIP-based voice call. It will be omitted.

Referring to FIG. 2, the VoIP composite terminal 100 communicates with a web server on a communication network in association with a communication unit that processes at least one of the wireless communication unit 235 and the wired communication unit 240 in a data communication mode. And a data communication processor for providing a browsing service provided by the web server through the communication channel.

The VoIP composite terminal 100 shown in FIG. 2 provides a browsing function in addition to the VoIP voice call function. For this purpose, the communication channel connection unit 260 is at least one of the wireless communication unit 235 and the wired communication unit 240. Browsing and browsing with a web server (e.g., a web server corresponding to HTTP (Hyper-Text Transfer Protocol) compliant protocol, or a web server corresponding to WAP (Wireless Application Protocol) protocol) on a communication network in connection with the communication unit for processing the above-mentioned wide area communication It is characterized by connecting a communication channel for.

The data communication processor 286 connects a communication channel for browsing service with a web server on a communication network through a communication channel corresponding to an HTTP compatible protocol or a WAP protocol, and is compatible with Hyper-Text Markup Language (HTML) from the web server. A document or a web document in the form of a WML (Wireless Markup Language) compatible document is received and output through the screen output unit 215.

Those skilled in the art will be familiar with the technical features of the communication channel connection unit 260 and the data communication processing unit 286 for the browsing service. It will be omitted for convenience.

Referring to FIG. 2, the VoIP composite terminal 100 is connected to at least one communication unit of the wireless communication unit 235, the wired communication unit 240, and the optical communication unit 245 in close proximity with the VoIP composite terminal 100. Search for a communication medium connecting at least one communication medium connectable to the VoIP composite terminal 100 by connecting a communication channel with a client terminal 105 or a gateway (or platform operating server 120) on a communication network When the at least one communication medium is searched by the unit 280 and the communication medium searching unit 280, the searched communication medium information, the payment processing information for each communication medium, the banking processing information for each communication medium, and the information for each communication medium. And a communication medium information storage unit 282 storing the processing information, the ticket processing information for each communication medium, and the charging processing information for each communication medium in the memory unit 230.

For selective payment (or financial transaction) processing according to the communication medium identification, the communication medium search unit 280 is the wireless communication unit 235, a wired communication unit (i) in the idle state of the voice call mode or data communication mode. 240, a client terminal 105 located at a short distance from the VoIP composite terminal 100 or a gateway (or a platform operating server) of the optical communication unit 245 periodically according to a channel discovery protocol corresponding to each communication unit. 120)) and at least one communication medium connectable to the VoIP composite terminal 100 by connecting to a communication channel.

The communication medium searched by the communication medium searching unit 280 may be a short range wireless communication medium, a short distance wired communication medium, or an optical fiber that processes information (or data) exchange between the VoIP composite terminal 100 and an external terminal (or server). Preferably, the communication device comprises at least one communication medium and at least one wide area communication medium. The short range wireless communication medium may include at least one short range wireless communication medium of a packet switched method and at least one short range wireless communication medium of a direct communication method. The wired communication medium may include at least one local area wired communication medium in a packet-switched communication system and a near field wired communication medium in a direct communication system, and the wide area communication medium may include at least one wired communication medium and at least one wireless communication medium. .

Here, the packet-switched short-range wireless communication medium is connected to the VoIP composite terminal 100 and a wireless access point (or wireless IP sharer) located in a short distance through a wireless connection to the short-range communication channel, the wireless AP (Or a wireless IP router) is a communication medium for wirelessly connecting a short distance communication channel with the wireless AP (or wireless IP router) and a client terminal 105 located in a short distance, wherein the short range wireless communication medium is IEEE 802.11. It is preferable to include at least one of Bluetooth (BlueTooth), Wi-Fi (Ui-Fi), UWB (Ultra Wide Band system), etc. conforming to the standard, and the type of short-range wireless communication medium according to the intention of those skilled in the art It is possible to substitute (or add) to, by which the present invention is not limited.

Alternatively, the short-range wireless communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel through the wireless VoIP terminal and the client terminal 105 located in the short-range, the short-range wireless communication medium is It is preferable to include at least one or more RF (Radio Frequency) communication, Bluetooth, Wi-Fi, UWB to support the direct communication method, and the short-range wireless communication medium type is replaced (or added) to another communication medium according to the intention of those skilled in the art The present invention is not limited thereto.

Alternatively, the packet-switched short-range wired communication medium connects the short-range communication channel to the VoIP composite terminal 100 and a hub (or an IP router or a communication modem) located at a short distance through a wire, and the hub (or an IP router). And a communication medium for connecting a short distance communication channel between the hub (or an IP router, a communication modem) and a client terminal 105 located at a short distance through a communication modem. The short range wireless communication medium may be a netbios standard, It is preferable to include at least one or more of the IPX / SPX standard, TCP / IP (Transmission Control Protocol / Internet Protocol) standard, the short-range wired communication medium type is to replace (or add) another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Alternatively, the short-range wired communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel through the wire between the VoIP composite terminal 100 and the client terminal 105 located in the short-range, the short-range wired communication medium is It is preferable to include at least one USB (Universal Serial Bus) and RS-232c which supports a direct communication method, and the short-range wired communication medium may be replaced (or added) with another one according to the intention of a person skilled in the art. The present invention is not limited thereby.

Alternatively, the optical communication medium is a communication medium for directly connecting a short-range communication channel with the VoIP composite terminal 100 and a client terminal 105 located in a short distance through optical communication in an infrared region. An IrDA (Infrared Data Association) standard Infrared communication in accordance with the above, IrDA (Infrared Finance Messaging) of IrFM (Infrared Communication Messaging) is preferably made to include at least one or more, the optical communication medium type is to replace (or add) to another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Alternatively, when the VoIP composite terminal 100 is connected to a wired communication network, the wired communication medium may packet the VoIP composite terminal 100 and a gateway (or platform operating server 120) on the wired communication network through wired communication. As a communication medium for connecting a switched communication channel, it is desirable to provide a data communication conforming to the TCP / IP standard and a VoIP-based voice call based on the data communication, and the type of the wired communication medium is intended by those skilled in the art. It is possible to replace (or add) with another communication medium according to the present invention, whereby the present invention is not limited.

Or, if the VoIP composite terminal 100 is connected to a wireless communication network including at least one or more wireless sections, the VoIP composite terminal 100 and a gateway (or platform operation server 120) on the wireless communication network Is a communication medium for connecting a communication channel of a packet exchange method through wireless communication, and includes data communication complying with at least one of the IEEE 802.16x standard and the High-Speed Downlink Packet Access (HSDPA) standard, and based on the data communication. It is desirable to provide a VoIP-based voice call, and the type of wired communication medium may be replaced (or added) with another communication medium according to the intention of a person skilled in the art, and the present invention is not limited thereto.

Those skilled in the art of the present invention, the wireless communication unit 235, wired communication unit 240, optical communication unit 245 of the technical characteristics of the channel search protocol corresponding to each communication unit, Since there will be, a more detailed description thereof will be omitted for convenience.

When at least one communication medium is searched by the communication medium search unit 280, the communication medium information storage unit 282 associates the searched communication medium information with payment processing information for each communication medium and the memory unit 230. (Or security application module 250) is characterized in that the storage.

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

In the payment settlement process using the VoIP composite terminal 100, when payment information for the payment settlement process is received through at least one communication medium, the communication medium switching information is a first communication medium that receives the payment information. And second communication medium information for transmitting the payment request information including the payment information and the card information read through the card reader 210.

Alternatively, when the payment information for the payment processing is input through the key input unit 220, the communication medium switching information may include the payment information input through the key input unit 220 and the card reader 210. And second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium to which the VoIP composite terminal 100 is connected before the payment processing is the second communication medium. It is possible to include a communication medium such as a medium or include another communication medium.

In addition, the key data is confidentiality, authentication, integrity and integrity of the payment request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the payment request information. It is preferable to include at least one encryption key (or decryption key) for securing nonrepudiation.

According to an embodiment of the present invention, the payment processing information for each communication medium is inactivated with a plurality of communication medium information that can be connected to the memory unit 230 (or the security application module 250) through the VoIP composite terminal 100. In the case of cooperative processing and storage, the communication medium information storage unit 282 may activate the payment processing information for each communication medium stored in association with the searched communication medium information.

When at least one communication medium is searched by the communication medium search unit 280, the communication medium information storage unit 282 associates the searched communication medium information with banking processing information for each communication medium and the memory unit 230. (Or security application module 250) is characterized in that the storage.

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

In the financial transaction processing using the VoIP composite terminal 100, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include: a first receiving the financial transaction information; Preferably, the communication medium information includes second communication medium information for transmitting the financial transaction request information including the communication medium information, the financial transaction information, and the card information read through the card reader 210.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 220, the communication medium switching information may be the financial transaction information input through the key input unit 220 and the card reader unit 210. It is preferable that the second communication medium information for transmitting the financial transaction request information including the card information read through), the first communication medium connected to the VoIP composite terminal 100 before the financial transaction processing is It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is encrypted to secure confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the financial transaction request information. It is preferable to include at least one key (or decryption key).

According to an exemplary embodiment of the present invention, the banking processing information for each communication medium is deactivated with a plurality of communication medium information connectable to the memory unit 230 (or the security application module 250) through the VoIP composite terminal 100. In the case of cooperative processing and storage, the communication medium information storage unit 282 may activate the banking processing information for each communication medium stored in association with the searched communication medium information.

When at least one communication medium is searched by the communication medium search unit 280, the communication medium information storage unit 282 associates the searched communication medium information with processing information for each communication medium to the memory unit 230. (Or security application module 250) is characterized in that the storage.

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

In the zero payment process using the VoIP composite terminal 100, when the zero payment information for the payment is received through at least one or more communication media, the communication medium switching information is the first to receive the payment information. Preferably, the communication medium information includes second communication medium information for transmitting the branch payment request information including the communication medium information, the branch payment information, and the card information read through the card reader 210.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 220, the communication medium switching information is inputted through the key input unit 220 and the card reader unit 210. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the VoIP communication terminal 100 is connected to the first communication medium before the payment process is the It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is encrypted to secure the confidentiality, authentication, integrity and non-repudiation of the Giro payment request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the Giro payment request information It is preferable to include at least one key (or decryption key).

According to an embodiment of the present invention, the processing information for each communication medium in the memory unit 230 (or the security application module 250) is deactivated with a plurality of communication medium information that can be connected through the VoIP composite terminal 100. In the case of cooperative processing and storage, the communication medium information storage unit 282 activates processing information for each communication medium stored in association with the searched communication medium information.

When at least one communication medium is searched by the communication medium searching unit 280, the communication medium information storage unit 282 associates the searched communication medium information with ticket processing information for each communication medium to store the memory unit ( 230 (or the security application module 250) is characterized in that the storage.

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

When the ticket reservation / reservation using the VoIP composite terminal 100, when the ticket reservation / reservation information for the ticket reservation / reservation is received through at least one or more communication media, the communication medium switching information is the ticket reservation / reservation It includes first communication medium information for receiving information, and the second communication medium information for transmitting the ticket reservation / reservation request information including the ticket reservation / reservation information and the card information read through the card reader 210 It is preferable to make it.

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 220, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 220 and the Preferably, the VoIP composite terminal 100 includes the second communication medium information for transmitting the ticket reservation / reservation request information including the card information read through the card reader unit 210. The first communication medium connected before the reservation may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data is the confidentiality, authentication, integrity and non-repudiation of the ticket reservation / reservation request information between the VoIP composite terminal 100 and the platform operation server 120 that receives the ticket reservation / reservation request information It is preferable to include at least one encryption key (or decryption key) to secure.

According to an exemplary embodiment of the present invention, the ticket processing information for each communication medium is inactivated with a plurality of communication medium information connectable to the memory unit 230 (or the security application module 250) through the VoIP composite terminal 100. In the case of cooperative processing and storage, the communication medium information storage unit 282 may activate the ticket processing information for each communication medium stored in association with the searched communication medium information.

When at least one communication medium is searched by the communication medium search unit 280, the communication medium information storage unit 282 associates the searched communication medium information with charging processing information for each communication medium to store the memory unit 230. (Or security application module 250) is characterized in that the storage.

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

When the electronic money is charged using the VoIP composite terminal 100, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information is used to receive the electronic money charging information. Preferably, the first communication medium includes second communication medium information for transmitting electronic money charging request information including first communication medium information, the electronic money charging information, and card information read through the card reader 210.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 220, the communication medium switching information is inputted through the key input unit 220 and the electronic money charging information and the card reader unit. It is preferable that the second communication medium information for transmitting the electronic money charging request information including the card information read through the 210, the first communication connected to the VoIP composite terminal 100 before charging the electronic money The medium may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data to ensure confidentiality, authentication, integrity and non-repudiation of the electronic money charging request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the electronic money charging request information. At least one encryption key (or decryption key) is preferably included.

According to an embodiment of the present invention, the charging processing information for each communication medium is inactivated with a plurality of communication medium information connectable to the memory unit 230 (or the security application module 250) through the VoIP composite terminal 100. In the case of cooperative processing and storage, the communication medium information storage unit 282 may activate the charging processing information for each communication medium stored in association with the searched communication medium information.

Referring to FIG. 2, the VoIP composite terminal 100 selects a plurality of pieces of communication medium information found in the memory unit 230 by the communication medium information storage unit 282 according to communication medium identification. The wireless communication unit 235, the wired communication unit 240, or the optical communication unit 245 may be connected to at least one communication unit in accordance with an operation mode of the VoIP composite terminal 100 for payment (or financial transaction) processing. A communication channel connection unit 260 for connecting a communication channel with a VoIP composite terminal 100 and a client terminal 105 located at a short distance, or a gateway (or platform operating server 120) on a communication network, and the communication channel connection unit 260 It characterized in that it comprises a communication medium confirmation unit 270 for confirming the communication medium corresponding to the communication channel connected through).

When the operation mode of the VoIP composite terminal 100 is a voice call mode according to an embodiment of the present invention, the communication channel connection unit 260 is a wide area communication of at least one of the wireless communication unit 235 and the wired communication unit 240. The VoIP gateway 135 or the VoIP gatekeeper 140 on the communication network and the communication channel for the VoIP voice call are connected to the communication unit for processing the communication unit. In this case, the communication medium checking unit 270 is It is characterized in that the communication medium connected to the VoIP composite terminal 100 is identified as a wireless communication medium or a wired communication medium for the VoIP-based voice call.

Alternatively, when the operation mode of the VoIP composite terminal 100 is a data communication mode, the communication channel connection unit 260 may provide a web server and browsing service on a communication network through a communication channel corresponding to an HTTP compatible protocol or a WAP protocol. Connect a communication channel, and receive a web document in the form of a Hyper-Text Markup Language (HTML) compatible document or a WML (Wireless Markup Language) compatible document from the web server and output the web document through the screen output unit 215. In this case, the communication medium checking unit 270 may identify a communication medium to which the VoIP composite terminal 100 is connected as a wireless communication medium or a wired communication medium for the data communication.

When the operation mode of the VoIP composite terminal 100 is the voice call mode or the data communication mode, the communication channel connection unit 260 is a communication channel of the client terminal 105 located near the VoIP composite terminal 100. The client terminal 105 connected to the short distance communication channel with the client terminal 105 by a connection request, or located near the VoIP complex terminal 100 by selecting a menu provided in the VoIP complex terminal 100. The short-range communication channel is characterized in that the connection.

In this case, the communication medium checking unit 270 is a packet-switched short-range wireless communication medium, a direct communication short-range wireless communication in accordance with a communication medium connecting the short-range communication channel to the communication medium to which the VoIP composite terminal 100 is connected. A communication medium, a short-range wired communication medium of a packet-switched method, a short-range wired communication medium of a direct communication method, or an optical communication medium may be identified.

Referring to FIG. 2, for the selective payment according to the communication medium identification according to the exemplary embodiment of the present invention, the VoIP composite terminal 100 is selected from a plurality of menus output through the screen output unit 215. When the payment menu is selected through the key input unit 220, the first communication medium (or the VoIP composite terminal 100) identified by the communication medium checking unit 270 in connection with the memory unit 230 is presently present. An information checking unit 266 for checking at least one second communication medium information included in payment processing information including first media information corresponding to the first communication medium connected thereto; and the payment settlement of the second communication mediums. Outputs a mode selection interface for selecting a second communication medium to process the data; and selects a second communication medium to be settled through the key input unit 220 to determine an operation mode of the VoIP composite terminal 100 in the first communication; Media Information and Awards A mode switching unit 268 for switching to a payment mode for each communication medium corresponding to the selected second communication medium information, and a communication for processing the payment through the selected second communication medium when switching to the payment mode for each communication medium; When the communication channel connection unit 260 connecting the channel and the communication channel through the second communication medium, the payment information and payment security information for payment processing through the second communication medium through the key input unit 220 An interface output unit 272 that receives input and outputs a payment interface for each communication medium receiving card information read from a customer card through the card reader unit 210, and the payment information and the payment information through the payment interface for each communication medium; And an information input unit configured to input payment security information and card information.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 215. Outputs a plurality of menus, and when the payment menu is selected from the plurality of menus through the key input unit 220, the information checking unit 266 is configured to identify the first information checked by the communication medium checking unit 270. Confirm first media information corresponding to a communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected), and communication medium switching information including first medium information in association with the memory unit 230. Identifying at least one or more payment processing information, including, and at least one or more second communication media information included in the confirmed payment processing information.

When the at least one second communication medium information is confirmed by the information checking unit 266, the mode switching unit 268 is connected to the screen output unit 215 and among the at least one or more second communication mediums identified. And outputting a mode selection interface for selecting a second communication medium to process the payment, and selecting the second communication medium to be paid for through the key input unit 220, The operation mode may be switched to a payment mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the payment mode for each communication medium is a client terminal 105 located at a short distance from the VoIP composite terminal 100 via a packet-switched short-range wireless communication medium for payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the client terminal 105 located near the VoIP composite terminal 100 through the short range wireless communication medium of the payment request information generated by the VoIP composite terminal 100 through a direct communication method. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of a packet exchange method for payment request information generated by the VoIP complex terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the client terminal 105 located at a short distance with the VoIP composite terminal 100 through the short-range wired communication medium of the payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the payment request information generated in the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a payment mode for processing the payment.

Alternatively, in the payment mode for each communication medium, the payment request information generated in the VoIP composite terminal 100 is transmitted to a gateway (or platform operating server 120) on the communication network through a wired communication medium to process the payment. It is preferable to include a payment mode.

Alternatively, in the payment mode for each communication medium, the payment request information generated in the VoIP composite terminal 100 is transmitted to a gateway (or platform operating server 120) on the communication network through a wireless communication medium to process the payment. It is preferable to include a payment mode.

When the operation mode of the VoIP composite terminal 100 is switched to the payment mode for each communication medium by the mode switching unit 268, the communication channel connection unit 260 receives payment request information through the selected second communication medium. And transmit a communication channel for processing the payment by transmitting.

Here, the communication channel connection unit 260 is a short-range wireless communication channel for transmitting the payment request information to the client terminal 105 located in the short-range with the VoIP composite terminal 100 through a short-range wireless communication medium of the packet exchange method. It is preferable to connect.

Alternatively, the communication channel connection unit 260 may provide a short range wireless communication channel for transmitting the payment request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is preferable to connect.

Or, the communication channel connection unit 260 is a short-range wired communication channel for transmitting the payment request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 via a packet-switched short-range wired communication medium. It is preferable to connect.

Or, the communication channel connection unit 260 is a short-range wired communication channel for transmitting the payment request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium of the direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 260 may connect an optical communication channel for transmitting the payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through an optical communication medium.

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the payment request information to a gateway (or platform operating server 120) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the payment request information to a gateway (or platform operating server 120) on the communication network through a wireless communication medium.

When the communication channel is connected through the second communication medium by the communication channel connection unit 260, the interface output unit 272 uses the key input unit 220 to make payment information for payment processing through the second communication medium. (E.g., payment amount, merchant information) and payment security information (e.g., card password, platform OTP (one time password authenticated by a gateway (or platform operation server 120) on a communication network other than a card company / financial company), etc.) The card reader unit 210 outputs a payment interface for each communication medium that receives the card information read from the customer card.

Here, the payment interface for each communication medium may include payment information (eg, payment amount, merchant information) and payment security information (eg, card password, for payment processing through the second communication medium through the key input unit 220). Platform OTP, etc.) is preferably included, and preferably comprises a user interface for requesting to read the customer card through the card reader 210.

If the customer card is an IC card and the card reader unit 210 includes an IC reader unit, the payment interface for each communication medium may input a password (eg, a PIN (Personal Identification Number)) included in the payment security information. It is preferable to further comprise a user interface for confirming the validity through the IC card.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, and the payment request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the payment processing), the payment for each communication medium The interface may omit some of the user interface for receiving payment information (eg, payment amount, merchant information) and payment security information (eg, card password, platform OTP, etc.), and the present invention is not limited thereto.

After the payment interface for each communication medium is output by the interface output unit 272, the information input unit 274 transmits the payment information (eg, payment amount and merchant information) and payment security through the key input unit 220. Characterized in that the information (for example, card password, platform OTP, etc.) input processing.

According to another exemplary embodiment of the present invention, a part of the user interface for receiving the payment information (eg, payment amount, merchant information) and payment security information (eg, card password, platform OTP, etc.) is omitted from the payment interface for each communication medium. In this case, the information input unit 274 may not process the input information corresponding to the omitted user interface, and thus the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 210 based on the payment interface for each communication medium, the information input unit 274 inputs the card information in association with the card reader unit 210. Characterized in that.

Referring to FIG. 2, the VoIP composite terminal 100 is connected to the VoIP composite terminal 100 by the communication channel connection unit 260 for selective payment according to a communication medium identification according to another embodiment of the present invention. A message receiving unit 262 which receives a card transaction message from the connected first communication medium, a message checking unit 264 which reads the received card transaction message and checks whether payment information is included, and checks the payment information. Check first communication medium information corresponding to the first communication medium (or the first communication medium receiving the card transaction message) identified by the communication medium checking unit 270, and the memory unit 230 and the memory unit 230. An information confirmation unit 266 for confirming second communication medium information corresponding to the payment information among second communication medium information linked to the first communication medium information in association with the first communication medium information; Article A communication channel connection unit 260 connecting a communication channel for processing the payment through a communication medium; and an operation mode of the VoIP composite terminal 100 when the communication channel is connected through a second communication medium. Mode security unit 268 for switching to a payment mode for each communication medium including the communication medium information and the second communication medium information, and the payment security for payment processing through the second communication medium through the key input unit 220 An interface output unit 272 for receiving information and outputting a payment interface for each communication medium receiving card information read from a customer card through the card reader unit 210 and the payment through the payment interface for each communication medium; An information input unit 274 for inputting security information and card information is provided.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 260, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 262 receives a message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 260. Accordingly, a predetermined card transaction message for selective payment according to the communication medium identification is received.

When a predetermined card transaction message is received by the message receiving unit 262, the message checking unit 264 reads the received card transaction message to determine whether payment information is included.

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

When the message confirming unit 264 confirms that the payment information is included in the card transaction message, the information confirming unit 266 receives the card transaction message in association with the communication medium confirming unit 270. Identifying a first communication medium, identifying at least one or more payment processing information including communication medium switching information including first media information in association with the memory unit 230, and included in the confirmed payment processing information; Among the at least one piece of second communication medium information, the second communication medium information corresponding to the payment information is confirmed.

According to an exemplary embodiment of the present disclosure, the information checking unit 266 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 230. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the payment information includes the payment page URL, the information confirming unit 266 of the communication medium information stored in the memory unit 230, the VoIP composite terminal 100 Packet-switched short-range wireless communication medium, direct-wired short-range wireless communication medium, packet-switched short-range wired communication medium, or direct communication It is preferable to automatically check any one of a short distance wired communication medium or an optical communication medium as the second communication medium, and even if the payment page URL is included according to the intention of a person skilled in the art, the VoIP composite terminal 100 The connected wireless communication medium or wired communication medium may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the payment information includes the payment path code information, the information confirming unit 266 of the communication medium information stored in the memory unit 230, the payment payment; A wireless communication medium corresponding to the route code information, or a wired communication medium, or a short-range wireless communication medium in a packet-switched manner, a short-range wireless communication medium in a direct-communication manner, a short-range wireless communication medium in a packet-switched manner, or a short-range wired communication in a direct communication manner. Preferably, the communication medium or any one of the optical communication medium is automatically identified to the second communication medium.

When the second communication medium to process the payment is confirmed by the information confirming unit 266, the communication channel connection unit 260 establishes a communication channel for processing the payment through the confirmed second communication medium. It is characterized by connecting.

Here, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located at a short distance through a packet-switched short-range wireless communication medium identified by the information checking unit 266. It is preferable to connect a short range wireless communication channel for transmitting payment request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short range wireless communication medium of the direct communication method identified by the information checking unit 266. It is preferable to connect a short range wireless communication channel for transmitting payment request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short-range wired communication medium of a packet exchange method identified by the information checking unit 266. It is preferable to connect a short-range wired communication channel for transmitting the payment request information.

Alternatively, the communication channel connection unit 260 may be connected to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method identified by the information checking unit 266. It is preferable to connect a short-range wired communication channel for transmitting the payment request information.

Alternatively, the communication channel connection unit 260 transmits the payment request information to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 266. It is preferable to connect an optical communication channel.

Alternatively, the communication channel connection unit 260 transmits the payment request information to the gateway (or the platform operation server 120) on the communication network through the wired communication medium identified by the information checking unit 266. It is preferable to connect.

Alternatively, the communication channel connection unit 260 transmits the payment request information to the gateway (or the platform operation server 120) on the communication network through the wireless communication medium identified by the information checking unit 266. It is preferable to connect.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 260, the mode switching unit 268 receives the first communication medium in which the card transaction message is received in the operation mode of the VoIP composite terminal 100. Characterized in that the communication channel by the communication channel connection unit 260 is switched to the payment mode for each communication medium including the information connected to the communication medium.

Here, the payment mode for each communication medium is a client terminal 105 located at a short distance from the VoIP composite terminal 100 via a packet-switched short-range wireless communication medium for payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the client terminal 105 located near the VoIP composite terminal 100 through the short range wireless communication medium of the payment request information generated by the VoIP composite terminal 100 through a direct communication method. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of a packet exchange method for payment request information generated by the VoIP complex terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the client terminal 105 located at a short distance with the VoIP composite terminal 100 through the short-range wired communication medium of the payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the payment request information generated in the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a payment mode for processing the payment.

Alternatively, in the payment mode for each communication medium, the payment request information generated in the VoIP composite terminal 100 is transmitted to a gateway (or platform operating server 120) on the communication network through a wired communication medium to process the payment. It is preferable to include a payment mode.

Alternatively, in the payment mode for each communication medium, the payment request information generated in the VoIP composite terminal 100 is transmitted to a gateway (or platform operating server 120) on the communication network through a wireless communication medium to process the payment. It is preferable to include a payment mode.

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 260, the operation mode of the VoIP composite terminal 100 by the mode switching unit 268 corresponding to the second communication medium When the payment mode is switched, the interface output unit 272 inputs payment security information (eg, card password, platform OTP, etc.) for payment processing through the second communication medium through the key input unit 220. And outputting a payment interface for each communication medium that receives the card information read from the customer card through the card reader unit 210.

Here, the payment interface for each communication medium includes a user interface for receiving payment security information (eg, card password, platform OTP, etc.) for payment processing through the second communication medium through the key input unit 220. Preferably, it is preferably made, including a user interface for requesting to read the customer card through the card reader unit 210.

If the customer card is an IC card and the card reader 210 includes an IC reader, the payment interface for each communication medium may include a card password (eg, a PIN (Personal Identification Number)) included in the payment security information. Preferably through the user interface to confirm the validity of the IC card through.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, and the payment request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the payment processing), the payment for each communication medium The interface may be omitted a user interface for receiving payment security information (for example, card password, platform OTP, etc.), thereby not limited to the present invention.

After the payment interface for each communication medium is output by the interface output unit 272, the information input unit 274 transmits the payment security information (eg, card password, platform OTP, etc.) through the key input unit 220. Characterized in that the input processing.

According to another embodiment of the present invention, when the user interface for inputting the payment security information (for example, card password, platform OTP, etc.) to the payment interface for each communication medium is omitted, the information input unit 274 is the omitted user. The information corresponding to the interface may not be input-processed, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 210 based on the payment interface for each communication medium, the information input unit 274 inputs the card information in association with the card reader unit 210. Characterized in that.

Referring to FIG. 2, the VoIP composite terminal 100 generates information for generating payment request information corresponding to the second communication medium, including at least one of the input processed payment information, payment security information, and card information. The unit 276 and an information transmitter 278 for transmitting the payment request information through a communication channel connected through the second communication medium when the payment request information is generated.

When the card information is input and processed through the information input unit 274, and the payment information and the payment security information are input and processed according to an implementation method, the information generation unit 276 performs the input payment information and payment security information and the card. At least one information may be included to generate payment request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located at a short distance by the communication channel connection unit 260 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generator 276 preferably generates payment request information transmitted through the short-range wireless communication medium.

Or, the communication channel via the short-range wireless communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 preferably generates payment request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100, the VoIP composite terminal 100, and a client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generator 276 preferably generates payment request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via a short-range wired communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 preferably generates payment request information transmitted through a short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 260 is connected between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a client terminal 105 located in a short distance through an optical communication medium, the information is provided. The generation unit 276 preferably generates payment request information transmitted through the optical communication medium.

Alternatively, when the communication channel is connected through the wired communication medium between the VoIP composite terminal 100 and the gateway (or platform operation server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Preferably generates payment request information transmitted through the wired communication medium.

Alternatively, when the communication channel is connected through the wireless communication medium between the VoIP composite terminal 100 and the gateway (or platform operating server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Preferably generates payment request information transmitted through the wireless communication medium.

When the payment request information is generated by the information generating unit 276, the information transmitting unit 278 transmits the payment request information through a communication channel connected through the second communication medium.

When the information transmitting unit 278 transmits the payment request information through a communication channel connected through the second communication medium, at least one key data is included in the payment processing information including the second communication medium information. In this case, the information transmission unit 278 preferably transmits the encrypted payment request information through the key data.

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

After the payment request information is transmitted by the information transmitting unit 278, when a payment corresponding to the payment request information is processed, the message receiver including the payment result information is received through the message receiving unit 262. And is output through the screen output unit 215.

Referring to FIG. 2, the VoIP terminal 100 for selective financial transactions according to a communication medium identification according to an exemplary embodiment of the present invention may include a plurality of menus output through the screen output unit 215. When the banking menu is selected through the key input unit 220, the first communication medium (or the VoIP composite terminal 100) identified by the communication medium checking unit 270 in association with the memory unit 230 is presently present. An information checking unit 266 for identifying at least one second communication medium information included in banking processing information including first media information corresponding to a first connected communication medium), and the financial transaction of the second communication mediums. Outputs a mode selection interface for selecting a second communication medium to process a; and selects a second communication medium for a financial transaction through the key input unit 220, and sets an operation mode of the VoIP composite terminal 100 in the first communication; Media Information and Reminders A mode switching unit 268 for switching to a banking mode for each communication medium corresponding to the selected second communication medium information, and a communication for processing the financial transaction through the selected second communication medium when switching to a banking mode for each communication medium; When the communication channel connection unit 260 connecting the channel and the communication channel through the second communication medium, the financial transaction information and financial transaction security for the financial transaction processing through the second communication medium through the key input unit 220 The interface output unit 272 for receiving the information, and outputs the financial transaction interface for each communication medium receiving the card information read from the customer card through the card reader unit 210, and through the financial transaction interface for each communication medium And an information input unit 274 for input processing the financial transaction information, financial transaction security information, and card information.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 215. Outputs a plurality of menus, and when the banking menu is selected from the plurality of menus through the key input unit 220, the information checking unit 266 is configured to identify the first information as determined by the communication medium checking unit 270. Confirm first media information corresponding to a communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected), and communication medium switching information including first medium information in association with the memory unit 230. Confirming at least one or more banking processing information including a, and at least one or more second communication medium information included in the identified banking processing information.

When the at least one second communication medium information is confirmed by the information checking unit 266, the mode switching unit 268 is connected to the screen output unit 215 and among the at least one or more second communication mediums identified. And a mode selection interface for selecting a second communication medium to process the financial transaction. When the second communication medium to be targeted for financial transaction is selected through the key input unit 220, the VoIP composite terminal 100 The operation mode may be switched to a banking mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the banking mode for each communication medium is a client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short-range wireless communication medium of the financial transaction request information generated by the VoIP complex terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the client terminal 105 located near the VoIP complex terminal 100 through the short range wireless communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a packet exchange method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short distance wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a banking mode for processing financial transactions.

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to a gateway (or platform operating server 120) on the communication network through a wired communication medium to process the financial transaction. It is preferable to include a banking mode.

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to a gateway (or platform operating server 120) on the communication network through a wireless communication medium to process the financial transaction. It is preferable to include a banking mode.

When the operation mode of the VoIP composite terminal 100 is switched to the banking mode for each communication medium by the mode switching unit 268, the communication channel connection unit 260 may provide financial transaction request information through the selected second communication medium. It characterized in that for transmitting the communication channel for processing the financial transaction.

Here, the communication channel connection unit 260 is a short-range wireless communication channel for transmitting the financial transaction request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wireless communication medium of the packet exchange method It is preferable to connect.

Alternatively, the communication channel connection unit 260 transmits the financial transaction request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 260 is a short-range wired communication channel for transmitting the financial transaction request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 via a packet-switched short-range wired communication medium. It is preferable to connect.

Alternatively, the communication channel connection unit 260 is a short-range wired communication channel for transmitting the financial transaction request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium of the direct communication method. It is preferable to connect.

Alternatively, the communication channel connector 260 may connect an optical communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through an optical communication medium. .

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the financial transaction request information to a gateway (or platform operating server 120) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the financial transaction request information to a gateway (or platform operating server 120) on the communication network through a wireless communication medium.

When the communication channel is connected through the second communication medium by the communication channel connection unit 260, the interface output unit 272 performs a financial transaction for the financial transaction processing through the second communication medium through the key input unit 220. Receive information (eg, transaction amount, payee account information) and financial transaction security information (eg, card password, account password, platform OTP, etc.), and read card information read from the customer card through the card reader 210. It is characterized by outputting a financial transaction interface for each communication medium received.

Here, the financial transaction interface for each communication medium may include financial transaction information (eg, transaction amount, payee account information) and financial transaction security information for the financial transaction processing through the second communication medium through the key input unit 220. For example, it is preferable to include a user interface for receiving a card password, account password, platform OTP, etc., and preferably comprises a user interface for requesting reading of the customer card through the card reader unit 210. .

If the customer card is an IC card and the card reader unit 210 includes an IC reader unit, the financial transaction interface for each communication medium may include a password (eg, a personal identification number (PIN) included in the financial transaction security information. It is preferable that further comprises a user interface for checking the validity of the IC card through).

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, when the financial transaction request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for processing the financial transaction), for each communication medium The financial transaction interface may omit some of the user interface for inputting financial transaction information (eg, transaction amount, beneficiary account information) and financial transaction security information (eg, card password, account password, platform OTP, etc.). The present invention is not limited.

After the financial transaction interface for each communication medium is output by the interface output unit 272, the information input unit 274 receives the financial transaction information (e.g., transaction amount and payee account information) through the key input unit 220. And financial transaction security information (eg, card password, account password, platform OTP).

According to another embodiment of the present invention, the financial transaction information (eg, transaction amount, payee account information) and financial transaction security information (eg, card password, account password, platform OTP, etc.) are input to the financial transaction interface for each communication medium. When a part of the receiving user interface is omitted, the information input unit 274 may not process inputting information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 210 based on the financial transaction interface for each communication medium, the information input unit 274 inputs the card information in association with the card reader unit 210. It is characterized by processing.

Referring to FIG. 2, the VoIP composite terminal 100 is connected to the VoIP composite terminal 100 by the communication channel connection unit 260 for selective financial transactions according to a communication medium identification according to another embodiment of the present invention. A message receiving unit 262 for receiving a card transaction message from a first communication medium connected with the message), a message checking unit 264 for reading the received card transaction message and checking whether the transaction information includes financial transaction information, and the financial transaction. When the information is confirmed, the first communication medium information corresponding to the first communication medium (or the first communication medium receiving the card transaction message) identified by the communication medium checking unit 270 is checked, and the memory unit ( An information confirming unit 266 for confirming second communication medium information corresponding to the financial transaction information among second communication medium information linked to the first communication medium information in connection with the first communication medium information, and confirming the second communication medium; City, Operation mode of the VoIP composite terminal 100 when the communication channel connection unit 260 for connecting the communication channel for processing the financial transaction through the second communication medium and the communication channel via the second communication medium, A mode switching unit 268 for switching to a banking mode for each communication medium including the first communication medium information and the second communication medium information, and the financial transaction processing through the second communication medium through the key input unit 220. Interface output unit 272 for receiving the financial transaction security information for the output, the financial transaction interface for each communication medium receiving the card information read from the customer card through the card reader unit 210, and for each communication medium And an information input unit 274 configured to input and process the financial transaction security information and the card information through a financial transaction interface.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 260, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 262 receives a message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 260. Accordingly, it is characterized in that for receiving a predetermined card transaction message for the selective financial transaction according to the communication medium identification.

When a predetermined card transaction message is received by the message receiving unit 262, the message checking unit 264 reads the received card transaction message to determine whether financial transaction information is included.

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

When it is confirmed by the message confirming unit 264 that the financial transaction information is included in the card transaction message, the information confirming unit 266 receives the card transaction message in association with the communication medium confirming unit 270. Identify a first communication medium, identify at least one or more banking processing information including communication medium switching information including first media information in association with the memory unit 230, and verify the banking processing information. Among the at least one second communication medium information included, the second communication medium information corresponding to the financial transaction information is confirmed.

According to an exemplary embodiment of the present disclosure, the information checking unit 266 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 230. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the financial transaction information includes the financial transaction page URL, the information checking unit 266 may be configured to execute the VoIP composite terminal among communication medium information stored in the memory unit 230. Near field communication (100), a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-range wired communication medium of the packet-switching method to communicate with the client terminal 105 connected to the financial transaction page, or directly It is preferable to automatically check any one of a short-range wired communication medium or an optical communication medium of a communication method as the second communication medium. Even if the financial transaction page URL is included according to the intention of a person skilled in the art, the VoIP composite The wireless communication medium or the wired communication medium to which the terminal 100 is connected may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the financial transaction information includes the financial transaction path code information, the information confirming unit 266 may include the financial medium information among the communication medium information stored in the memory unit 230. Wireless communication medium corresponding to the transaction path code information, or wired communication medium, or a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication method, a short-range wireless communication medium of a packet-switching method, or a short distance of a direct communication method. Preferably, the communication medium of either a wired communication medium or an optical communication medium is automatically identified as the second communication medium.

When the second communication medium to process the financial transaction is confirmed by the information confirming unit 266, the communication channel connection unit 260 establishes a communication channel for processing the financial transaction through the identified second communication medium. It is characterized by connecting.

Here, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located at a short distance through a packet-switched short-range wireless communication medium identified by the information checking unit 266. It is desirable to connect a short range wireless communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short range wireless communication medium of the direct communication method identified by the information checking unit 266. It is desirable to connect a short range wireless communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short-range wired communication medium of a packet exchange method identified by the information checking unit 266. It is preferable to connect a short-range wired communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 260 may be connected to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method identified by the information checking unit 266. It is preferable to connect a short-range wired communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 260 transmits the financial transaction request information to the VoIP terminal 100 and the client terminal 105 located at a short distance through the optical communication medium identified by the information checking unit 266. It is desirable to connect the transmitting optical communication channel.

Alternatively, the communication channel connection unit 260 transmits the financial transaction request information to the gateway (or the platform operation server 120) on the communication network through the wired communication medium identified by the information checking unit 266. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 260 transmits the financial transaction request information to a gateway (or platform operation server 120) on the communication network through a wireless communication medium identified by the information checking unit 266. It is desirable to connect the channels.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 260, the mode switching unit 268 receives the first communication medium in which the card transaction message is received in the operation mode of the VoIP composite terminal 100. The method may be configured to switch to a banking mode for each communication medium including information and information on a second communication medium connected to a communication channel by the communication channel connection unit 260.

Here, the banking mode for each communication medium is a client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short-range wireless communication medium of the financial transaction request information generated by the VoIP complex terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the client terminal 105 located near the VoIP complex terminal 100 through the short range wireless communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a direct communication method. It is preferable to include a banking mode to process the financial transaction by transmitting in).

Alternatively, in the banking mode for each communication medium, the client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a packet exchange method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short distance wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a banking mode for processing financial transactions.

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to a gateway (or platform operating server 120) on the communication network through a wired communication medium to process the financial transaction. It is preferable to include a banking mode.

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to a gateway (or platform operating server 120) on the communication network through a wireless communication medium to process the financial transaction. It is preferable to include a banking mode.

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 260, the operation mode of the VoIP composite terminal 100 by the mode switching unit 268 corresponding to the second communication medium When switching to the star banking mode, the interface output unit 272 through the key input unit 220 financial transaction security information (for example, card password, account password, platform OTP for the financial transaction processing through the second communication medium) And the like), and outputs a financial transaction interface for each communication medium that receives card information read from a customer card through the card reader 210.

Here, the financial transaction interface for each communication medium receives the financial transaction security information (eg, card password, account password, platform OTP, etc.) for the financial transaction processing through the second communication medium through the key input unit 220. It is preferable to include a user interface, and preferably comprises a user interface for requesting to read the customer card through the card reader unit 210.

If the customer card is an IC card and the card reader unit 210 includes an IC reader unit, the financial transaction interface for each communication medium may include a card password and an account password (eg, a PIN ( Personal Identification Number)) preferably further comprises a user interface for checking the validity of the IC card.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, when the financial transaction request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for processing the financial transaction), for each communication medium The financial transaction interface may omit a user interface for receiving financial transaction security information (for example, a card password, an account password, a platform OTP, etc.), and the present invention is not limited thereto.

After the financial transaction interface for each communication medium is output by the interface output unit 272, the information input unit 274 through the key input unit 220, the financial transaction security information (for example, card password, account password, Platform OTP).

According to another embodiment of the present invention, when the user interface for receiving the financial transaction security information (for example, card password, account password, platform OTP, etc.) is omitted from the financial transaction interface for each communication medium, the information input unit 274. It is not necessary to process the input information corresponding to the omitted user interface, whereby the present invention is not limited.

In addition, when the customer card is read through the card reader unit 210 based on the financial transaction interface for each communication medium, the information input unit 274 inputs the card information in association with the card reader unit 210. It is characterized by processing.

Referring to FIG. 2, the VoIP composite terminal 100 includes at least one of the input processed financial transaction information, financial transaction security information, and card information to generate financial transaction request information corresponding to the second communication medium. And an information transmitter 276 for transmitting the financial transaction request information through a communication channel connected through the second communication medium when the financial transaction request information is generated. do.

When the card list is input through the information input unit 274 and the financial transaction information and the financial transaction security information are input and processed according to an implementation method, the information generation unit 276 performs the financial transaction information and the financial transaction. And at least one security information and card information to generate financial transaction request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located at a short distance by the communication channel connection unit 260 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generator 276 may generate the financial transaction request information transmitted through the short-range wireless communication medium of the packet exchange method.

Or, the communication channel via the short-range wireless communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 preferably generates the financial transaction request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100, the VoIP composite terminal 100, and a client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generation unit 276 preferably generates the financial transaction request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via a short-range wired communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 preferably generates the financial transaction request information transmitted through the short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 260 is connected between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a client terminal 105 located in a short distance through an optical communication medium, the information is provided. The generation unit 276 preferably generates financial transaction request information transmitted through the optical communication medium.

Alternatively, when the communication channel is connected through the wired communication medium between the VoIP composite terminal 100 and the gateway (or platform operation server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Preferably generates financial transaction request information transmitted through the wired communication medium.

Alternatively, when the communication channel is connected between the VoIP composite terminal 100 and the gateway (or platform operating server 120) on the communication network by the communication channel connection unit 260 through a wireless communication medium, the information generation unit 276. ) Preferably generates financial transaction request information transmitted through the wireless communication medium.

When the financial transaction request information is generated by the information generation unit 276, the information transmission unit 278 transmits the financial transaction request information through a communication channel connected through the second communication medium. .

When the information transmitter 278 transmits the financial transaction request information through a communication channel connected through the second communication medium, at least one key data is included in the banking processing information including the second communication medium information. In this case, the information transmission unit 278 preferably transmits the financial transaction request information by encrypting the key data.

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

After the financial transaction request information is transmitted by the information transmission unit 278 and a financial transaction corresponding to the financial transaction request information is processed, a messageer including the financial transaction result information through the message receiving unit 262. It is preferably received and output through the screen output unit 215.

Referring to FIG. 2, the VoIP composite terminal 100 provides a screen output unit 215 for paying giro through a selective payment (or financial transaction) process according to a communication medium identification according to an embodiment of the present invention. Of the plurality of menus output through the, if the Giro payment menu is selected through the key input unit 220, the first communication medium confirmed by the communication medium check unit 270 in conjunction with the memory unit 230 An information checking unit 266 for identifying at least one second communication medium information included in the processing information including first medium information corresponding to the first communication medium to which the VoIP composite terminal 100 is currently connected; And outputting a mode selection interface for selecting a second communication medium to process the branch payment among the second communication mediums, and selecting the second communication medium to be paid to the branch through the key input unit 220, the VoIP composite terminal. 100's A mode switching unit 268 for converting an operation mode to a communication medium specific mode corresponding to the first communication medium information and the selected second communication medium information; A communication channel connecting unit 260 connecting a communication channel for processing the branch payment through a medium, and a connection through the second communication medium through the key input unit 220 when connecting a communication channel through a second communication medium. Interface output unit 272 for receiving the giro payment information and giro payment security information for the payment processing, and outputs the Giro payment interface for each communication medium receiving the card information read from the customer card through the card reader 210 And an information input unit 274 for inputting and processing the giro payment information, the giro payment security information, and the card information through the giro payment interface for each communication medium. And that is characterized.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 215. Outputs a plurality of menus, and when the payout menu is selected from the plurality of menus through the key input unit 220, the information checking unit 266 is configured to be checked by the communication medium checking unit 270. 1 confirming the first media information corresponding to the communication medium (or the first communication medium to which the VoIP composite terminal 100 is currently connected) and switching the communication medium including the first medium information in association with the memory unit 230. Identifying at least one geoprocessing information including information, and identifying at least one second communication medium information included in the identified geoprocessing information.

When the at least one second communication medium information is confirmed by the information checking unit 266, the mode switching unit 268 is connected to the screen output unit 215 and among the at least one or more second communication mediums identified. And outputting a mode selection interface for selecting a second communication medium to process the payment, and when selecting the second communication medium to be paid to the payment through the key input unit 220, the VoIP terminal 100. The operation mode may be switched to a mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the communication mode for each communication medium is a client terminal 105 which is located near the VoIP composite terminal 100 via the short-range wireless communication medium of the GIP payment request information generated in the VoIP composite terminal 100. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, in the Giro mode for each communication medium, the client terminal 105 located near the VoIP composite terminal 100 through the short range wireless communication medium of the Giro payment request information generated in the VoIP composite terminal 100 is a direct communication method. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the communication mode for each medium is a client terminal 105 which is located near the VoIP composite terminal 100 via a short-range wired communication medium in which the giro payment request information generated in the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the communication medium-specific Giro mode is a client terminal 105 located at a short distance with the VoIP composite terminal 100 via the short-range wired communication medium of the Giro payment request information generated in the VoIP composite terminal 100. It is preferable to include a giro mode to process the giro payment by transmitting to).

Alternatively, in each of the telecommunication medium media mode, the Giga payment request information generated by the VoIP complex terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP complex terminal 100 through an optical communication medium. It is preferable to include the giro mode which processes a giro payment.

Alternatively, the Jiro mode for each communication medium transmits the Jiro payment request information generated by the VoIP composite terminal 100 to a gateway (or platform operating server 120) on the communication network through a wired communication medium to process the Jiro payment. It is preferable to include a giro mode.

Alternatively, the Jiro mode for each communication medium transmits the Jiro payment request information generated by the VoIP composite terminal 100 to a gateway (or platform operating server 120) on the communication network through a wireless communication medium to process the Jiro payment. It is preferable to include a giro mode.

When the operation mode of the VoIP composite terminal 100 is switched to the communication medium-specific mode by the mode switching unit 268, the communication channel connection unit 260 transmits the giro payment request information through the selected second communication medium. It is characterized by connecting a communication channel for processing the branch payment by transmitting a.

Here, the communication channel connection unit 260 is a short-range wireless communication channel for transmitting the branch payment request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wireless communication medium of the packet exchange method It is preferable to connect.

Alternatively, the communication channel connection unit 260 transmits the branch payment request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 260 transmits the branch payment request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is preferable to connect.

Alternatively, the communication channel connection unit 260 is a short-range wired communication channel for transmitting the branch payment request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium of the direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 260 may connect an optical communication channel for transmitting the branch payment request information to the VoIP terminal 100 and the client terminal 105 located at a short distance through an optical communication medium. .

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the branch payment request information to a gateway (or platform operation server 120) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the branch payment request information to a gateway (or platform operating server 120) on the communication network through a wireless communication medium.

When the communication channel is connected through the second communication medium by the communication channel connection unit 260, the interface output unit 272 is a Jiro payment unit for processing the payment through the second communication medium via the key input unit 220 Giro payment by communication media receiving information (for example, payment amount) and giro payment security information (for example, card password, platform OTP, etc.) and card information read from a customer card through the card reader unit 210. And outputting an interface.

Here, the Giro payment interface for each communication medium may include Giro payment information (for example, payment amount) and Giro payment security information (for example, card password, etc.) for Jiro payment processing through the key communication unit 220 through the second communication medium. Platform OTP, etc.) is preferably included, and preferably comprises a user interface for requesting to read the customer card through the card reader 210.

If the customer card is an IC card and the card reader unit 210 includes an IC reader unit, the Jiro payment interface for each communication medium may be connected to the IC through a password (eg, a PIN) included in the Jiro payment security information. It is preferred to further comprise a user interface for checking the validity of the card.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, and when the giro payment request information includes only card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the giro payment processing), the communication medium The giro payment interface may omit some of the user interface for receiving giro payment information (eg, payment amount) and giro payment security information (eg, card password, platform OTP, etc.), and the present invention is not limited thereto.

After the payment interface for each communication medium is output by the interface output unit 272, the information input unit 274 uses the key input unit 220 to secure the payment information (eg, the payment amount) and the payment of the payment through the key. Characterized in that the information (for example, card password, platform OTP, etc.) input processing.

According to another exemplary embodiment of the present invention, a part of the user interface for inputting the giro payment information (eg, payment amount) and giro payment security information (eg, card password, platform OTP, etc.) to the giro payment interface for each communication medium is omitted. In this case, the information input unit 274 may not process the input information corresponding to the omitted user interface, and thus the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 210 based on the payload interface for each communication medium, the information input unit 274 inputs the card information in association with the card reader unit 210. It is characterized by processing.

Referring to FIG. 2, the VoIP composite terminal 100 is connected to the communication channel connection unit 260 for payment of giro through a selective payment (or financial transaction) process according to a communication medium identification according to another embodiment of the present invention. A message receiving unit 262 for receiving a card transaction message from the first communication medium to which the VoIP composite terminal 100 is connected, and a message for reading whether the card payment message is included and reading the card payment message. A first communication corresponding to a first communication medium (or a first communication medium receiving the card transaction message) confirmed by the communication medium checking unit 270 when the checking unit 264 and the branch payment information are checked; Confirming the media information and confirming information of the second communication medium corresponding to the branch payment information among the second communication medium information associated with the first communication medium information in association with the memory unit 230. A communication channel connection unit 260 which connects the communication unit 266 with a communication channel for processing the branch payment through the identified second communication medium when the second communication medium is checked, and communication through the second communication medium. When the channel is connected, the mode switching unit 268 for switching the operation mode of the VoIP composite terminal 100 to a communication mode for each communication medium including the first communication medium information and the second communication medium information, and the key input unit ( Through the 220 to receive the giro payment security information for the giro payment processing through the second communication medium, and through the card reader unit 210 to the Giro payment interface for each communication medium to receive the card information read from the customer card And an information input unit 274 for inputting and processing the branch payment security information and the card information through the branch payment interface for each communication medium. do.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 260, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 262 receives a message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 260. Accordingly, a predetermined card transaction message for giro payment is received through selective payment (or financial transaction) processing according to communication medium identification.

When a predetermined card transaction message is received by the message receiving unit 262, the message checking unit 264 reads the received card transaction message and checks whether the payment information is included.

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

If the message confirming unit 264 confirms that the card transaction message includes the giro payment information, the information confirming unit 266 receives the card transaction message in association with the communication medium confirming unit 270. Identify a first communication medium, identify at least one geoprocessing information including communication medium switching information including first media information in association with the memory unit 230, and include the information in the identified geoprocessing information Among the one or more pieces of second communication medium information, the second communication medium information corresponding to the branch payment information is confirmed.

According to an exemplary embodiment of the present disclosure, the information checking unit 266 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 230. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the giro payment information includes the giro payment page URL, the information checking unit 266 is the VoIP composite terminal of the communication medium information stored in the memory unit 230. Near field communication (100), a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a near-field wired communication medium of the packet-switching method to communicate with the client terminal 105 connected to the page to pay giro It is preferable to automatically check any one of a short-range wired communication medium or an optical communication medium of a communication method as the second communication medium, and even if the branch pay page URL is included, according to the intention of a person skilled in the art. The wireless communication medium or the wired communication medium to which the terminal 100 is connected may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the giro payment information includes the giro payment path code information, the information checking unit 266 may be configured to store information on the branch of the communication medium information stored in the memory unit 230. Wireless communication medium corresponding to the payment path code information, or wired communication medium, or packet-switched short-range wireless communication medium, direct-communication short-range wireless communication medium, packet-switched short-range wired communication medium, or direct communication Preferably, the communication medium of either a wired communication medium or an optical communication medium is automatically identified as the second communication medium.

When the second communication medium for processing the branch payment is confirmed by the information confirming unit 266, the communication channel connection unit 260 establishes a communication channel for processing the branch payment through the identified second communication medium. It is characterized by connecting.

Here, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located at a short distance through a packet-switched short-range wireless communication medium identified by the information checking unit 266. It is preferable to connect a short range wireless communication channel for transmitting the branch payment request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short range wireless communication medium of the direct communication method identified by the information checking unit 266. It is preferable to connect a short range wireless communication channel for transmitting the branch payment request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short-range wired communication medium of a packet exchange method identified by the information checking unit 266. It is preferable to connect a short-distance wired communication channel for transmitting giro payment request information.

Alternatively, the communication channel connection unit 260 may be connected to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method identified by the information checking unit 266. It is preferable to connect a short-distance wired communication channel for transmitting giro payment request information.

Alternatively, the communication channel connection unit 260 transmits the branch payment request information to the VoIP terminal 100 and the client terminal 105 located at a short distance through the optical communication medium identified by the information checking unit 266. It is desirable to connect the transmitting optical communication channel.

Alternatively, the communication channel connection unit 260 transmits the branch payment request information to the gateway (or the platform operation server 120) on the communication network through the wired communication medium identified by the information checking unit 266. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 260 transmits the branch payment request information to a gateway (or platform operation server 120) on the communication network through a wireless communication medium identified by the information checking unit 266. It is desirable to connect the channels.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 260, the mode switching unit 268 receives the first communication medium in which the card transaction message is received in the operation mode of the VoIP composite terminal 100. Characterized by the communication channel connection unit 260 is characterized in that the switch to the communication mode for each communication medium including the second communication medium connected to the communication channel.

Here, the communication mode for each communication medium is a client terminal 105 which is located near the VoIP composite terminal 100 via the short-range wireless communication medium of the GIP payment request information generated in the VoIP composite terminal 100. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, in the Giro mode for each communication medium, the client terminal 105 located near the VoIP composite terminal 100 through the short range wireless communication medium of the Giro payment request information generated in the VoIP composite terminal 100 is a direct communication method. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the communication mode for each medium is a client terminal 105 which is located near the VoIP composite terminal 100 via a short-range wired communication medium in which the giro payment request information generated in the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the communication medium-specific Giro mode is a client terminal 105 located at a short distance with the VoIP composite terminal 100 via the short-range wired communication medium of the Giro payment request information generated in the VoIP composite terminal 100. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, in each of the telecommunication medium media mode, the Giga payment request information generated by the VoIP complex terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP complex terminal 100 through an optical communication medium. It is preferable to include the giro mode which processes a giro payment.

Alternatively, the Jiro mode for each communication medium transmits the Jiro payment request information generated by the VoIP composite terminal 100 to a gateway (or platform operating server 120) on the communication network through a wired communication medium to process the Jiro payment. It is preferable to include a giro mode.

Alternatively, the Jiro mode for each communication medium transmits the Jiro payment request information generated by the VoIP composite terminal 100 to a gateway (or platform operating server 120) on the communication network through a wireless communication medium to process the Jiro payment. It is preferable to include a giro mode.

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 260, the operation mode of the VoIP composite terminal 100 by the mode switching unit 268 corresponding to the second communication medium When the mode is switched to the separate map mode, the interface output unit 272 receives the payment information for the payment for the payment through the second communication medium via the key input unit 220 (eg, card password, platform OTP, etc.). Receiving an input, characterized in that for outputting the payment interface to the communication medium for receiving the card information read from the customer card through the card reader unit 210.

Here, the Jiro payment interface for each communication medium is a user interface for receiving Jiro payment security information (eg, card password, platform OTP, etc.) for the Jiro payment processing through the second communication medium through the key input unit 220. It is preferably made, including a user interface for requesting to read the customer card through the card reader unit 210.

If the customer card is an IC card and the card reader unit 210 includes an IC reader unit, the Jiro payment interface for each communication medium may be connected to the IC through a password (eg, a PIN) included in the Jiro payment security information. It is preferred to further comprise a user interface for checking the validity of the card.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, and when the giro payment request information includes only card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the giro payment processing), the communication medium The Giro payment interface may omit a user interface for inputting Giro payment security information (for example, card password, platform OTP, etc.), and the present invention is not limited thereto.

After the payment interface for each communication medium is output by the interface output unit 272, the information input unit 274 transmits the payment security information (for example, card password, platform OTP, etc.) through the key input unit 220. ) Is input processing.

According to another exemplary embodiment of the present invention, when the user interface for receiving the giro payment security information (eg, card password, platform OTP, etc.) is omitted from the giro payment interface for each communication medium, the information input unit 274 is omitted. It is not necessary to process the input information corresponding to the user interface, and the present invention is not limited thereby.

In addition, when the customer card is read through the card reader unit 210 based on the payload interface for each communication medium, the information input unit 274 inputs the card information in association with the card reader unit 210. It is characterized by processing.

Referring to FIG. 2, the VoIP composite terminal 100 includes at least one inputted giro payment information, giro payment security information, and card information to generate giro payment request information corresponding to the second communication medium. And an information transmitter 278 for transmitting the branch payment request information through a communication channel connected through the second communication medium when generating the branch payment request information. do.

When the card payment is input and processed through the information input unit 274, and the giro payment information and the giro payment security information are input and processed according to an implementation method, the information generator 276 performs the giro payment information and the giro payment. At least one security information and card information may be included to generate branch payment request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located at a short distance by the communication channel connection unit 260 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generator 276 may generate the branch payment request information transmitted through the short-range wireless communication medium.

Or, the communication channel via the short-range wireless communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generation unit 276 preferably generates the branch payment request information transmitted through the short range wireless communication medium of the direct communication method.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100, the VoIP composite terminal 100, and a client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generation unit 276 preferably generates branch payment request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via a short-range wired communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generation unit 276 preferably generates the branch payment request information transmitted through the short-range wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 260 is connected between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a client terminal 105 located in a short distance through an optical communication medium, the information is provided. The generation unit 276 may generate branch payment request information transmitted through the optical communication medium.

Alternatively, when the communication channel is connected through the wired communication medium between the VoIP composite terminal 100 and the gateway (or platform operation server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Preferably generates giro payment request information transmitted through the wired communication medium.

Alternatively, when the communication channel is connected through the wireless communication medium between the VoIP composite terminal 100 and the gateway (or platform operating server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Preferably generates giro payment request information transmitted through the wireless communication medium.

When the branch payment request information is generated by the information generating unit 276, the information transmitting unit 278 transmits the branch payment request information through a communication channel connected through the second communication medium. .

When the information transmitter 278 transmits the branch payment request information through a communication channel connected through the second communication medium, at least one key data is included in the branch processing information including the second communication medium information. In this case, the information transmitter 278 preferably transmits the giro payment request information by encrypting the key data.

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

After the giro payment request information is transmitted by the information transmitting unit 278, and if the giro payment corresponding to the giro payment request information is processed, a message including the giro payment result information through the message receiving unit 262. It is preferable that the received signal is output through the screen output unit 215.

Referring to FIG. 2, the VoIP composite terminal 100 may include a screen output unit (100) for ticket reservation / reservation through selective payment (or financial transaction) processing according to a communication medium identification according to an embodiment of the present invention. If a ticket reservation / advance menu is selected through the key input unit 220 among a plurality of menus output through 215, the communication medium confirming unit 270 confirmed in association with the memory unit 230. Confirming information identifying at least one or more second communication media information included in ticket processing information including first media information corresponding to a first communication media (or a first communication media to which the VoIP composite terminal 100 is currently connected). Outputs a mode selection interface for selecting a second communication medium to process the ticket reservation / reservation, from the second communication medium, and through the key input unit 220, a second communication target for ticket reservation / reservation. When choosing a medium, A mode switching unit 268 for switching the operation mode of the VoIP composite terminal 100 to a ticket mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information, and a ticket mode for each communication medium. When switching, the communication channel connection unit 260 for connecting the communication channel for processing the ticket reservation / reservation through the selected second communication medium, and the key input unit 220 when connecting the communication channel through the second communication medium Receives the ticket reservation / reservation information and ticket reservation / reservation security information for the ticket reservation / booking processing through the second communication medium through the card reader 210, the card information read from the customer card input The interface output unit 272 for outputting a ticket reservation / reservation interface for each communication medium and the ticket reservation / reservation information and ticket reservation / reservation security through the ticket reservation / reservation interface for each communication medium And an information input unit 274 for inputting information and card information.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 215. Outputs a plurality of menus, and if the ticket reservation / reservation menu of the plurality of menus is selected through the key input unit 220, the information confirmation unit 266 is confirmed by the communication medium confirmation unit 270 A first medium information corresponding to the first communication medium (or the first communication medium to which the VoIP composite terminal 100 is currently connected) and includes a first medium information in association with the memory unit 230; And identifying at least one ticket processing information including the media switching information, and identifying at least one second communication medium information included in the checked ticket processing information.

When the at least one second communication medium information is confirmed by the information checking unit 266, the mode switching unit 268 is connected to the screen output unit 215 and among the at least one or more second communication mediums identified. And outputting a mode selection interface for selecting a second communication medium to process the ticket reservation / reservation, and selecting the second communication medium for ticket reservation / reservation through the key input unit 220. The operation mode of 100 may be switched to a ticket mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the ticket mode for each communication medium is a client terminal located near the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for ticket reservation / reservation request information generated by the VoIP complex terminal 100. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium is a client terminal which is located in close proximity to the VoIP composite terminal 100 through the short-range wireless communication medium of the ticket reservation / reservation request information generated by the VoIP composite terminal 100 through a direct communication method. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium may be a client terminal located near the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for ticket reservation / reservation request information generated by the VoIP complex terminal 100. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium may be a client terminal located at a short distance from the VoIP compound terminal 100 through a short distance wired communication medium of the ticket reservation / reservation request information generated by the VoIP compound terminal 100. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a ticket mode for processing the ticket reservation / reservation.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a gateway (or platform operation server 120) on the communication network through a wired communication medium to reserve the ticket. / Ticket mode for processing the reservation is preferably made.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a gateway (or platform operation server 120) on the communication network through a wireless communication medium to reserve the ticket. / Ticket mode for processing the reservation is preferably made.

When the operation mode of the VoIP composite terminal 100 is switched to the ticket mode for each communication medium by the mode switching unit 268, the communication channel connection unit 260 reserves a ticket / reserves through the selected second communication medium. It is characterized by connecting the communication channel for processing the ticket reservation / reservation by transmitting the request information.

Here, the communication channel connection unit 260 transmits the ticket reservation / reservation request information to a client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wireless communication medium of a packet switched method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 260 transmits the ticket reservation / reservation request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 260 transmits the ticket reservation / reservation request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 260 transmits the ticket reservation / reservation request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short distance wired communication medium of a direct communication method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 260 connects the optical communication channel for transmitting the ticket reservation / reservation request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through an optical communication medium. desirable.

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a gateway (or platform operation server 120) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a gateway (or platform operation server 120) on the communication network through a wireless communication medium.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 260, the interface output unit 272 is configured for ticket reservation / advancing through the second communication medium via the key input unit 220. Receives ticket reservation / reservation information (eg, reservation amount) and ticket reservation / reservation security information (eg, card password, platform OTP, etc.), and inputs card information read from a customer card through the card reader 210. Characterized in that the ticket reservation / booking interface for each communication medium received.

Here, the ticket reservation / reservation interface for each communication medium is the ticket reservation / reservation information (for example, the reservation amount) and ticket reservation / for ticket reservation / reservation processing through the second communication medium through the key input unit 220 It is preferable to include a user interface for receiving advance security information (for example, card password, platform OTP, etc.), and preferably comprises a user interface for requesting to read the customer card through the card reader unit 210. Do.

If the customer card is an IC card and the card reader unit 210 includes an IC reader unit, the ticket reservation / reservation interface for each communication medium may include a password (eg, a PIN) included in the ticket reservation / reservation security information. Preferably through the user interface to confirm the validity of the IC card through.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, and the ticket reservation / reservation request information includes only the card information read from the customer card (for example, when using the VoIP composite terminal 100 as a card reader for the ticket reservation / reservation processing), The ticket reservation / reservation interface for each communication medium may include a part of a user interface for receiving ticket reservation / reservation information (eg, reservation amount) and ticket reservation / reservation security information (eg, card password, platform OTP, etc.). The present invention is not limited thereby.

After the ticket reservation / reservation interface for each communication medium is output by the interface output unit 272, the information input unit 274 transmits the ticket reservation / reservation information (e.g., the reservation price) through the key input unit 220. And ticket reservation / advance security information (eg, card password, platform OTP, etc.).

According to another exemplary embodiment of the present invention, the ticket reservation / reservation information (eg, reservation amount) and ticket reservation / reservation security information (eg, card password, platform OTP, etc.) are input to the ticket reservation / reservation interface for each communication medium. When a part of the user interface is omitted, the information input unit 274 may not process inputting information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 210 based on the ticket reservation / booking interface for each communication medium, the information input unit 274 is linked with the card reader unit 210 to read the card information. Characterized in that the input processing.

2, the VoIP composite terminal 100, the communication channel connection unit for ticket reservation / reservation through the selective payment (or financial transactions) processing according to the communication medium identification according to another embodiment of the present invention The message receiving unit 262 for receiving a card transaction message from the first communication medium to which the VoIP composite terminal 100 is connected by 260, and the ticket transaction / reservation information is read by reading the received card transaction message. Message confirmation unit 264 for checking whether there is, and the first communication medium (or the first communication medium receiving the card transaction message) confirmed by the communication medium confirmation unit 270 at the time of the ticket reservation / reservation information confirmation; A second communication medium corresponding to the ticket reservation / reservation information, among the second communication medium information associated with the first communication medium information in connection with the memory unit 230, after confirming first communication medium information corresponding to the first communication medium information corresponding to the first communication medium information. tablet A communication channel connection unit 260 for connecting a communication channel for processing the ticket reservation / advance through the confirmed second communication medium when the information communication unit 266 confirms the information, and the second communication medium is checked; Mode connection unit 268 for switching the operation mode of the VoIP composite terminal 100 to a ticket mode for each communication medium including the first communication medium information and the second communication medium information when a communication channel is connected through a second communication medium. And a card reservation / reservation security information for ticket reservation / reservation processing through the second communication medium through the key input unit 220 and a card read from a customer card through the card reader unit 210. An interface output unit 272 for outputting a ticket reservation / reservation interface for each communication medium that receives information, and processing the ticket reservation / reservation security information and card information through the ticket reservation / reservation interface for each communication medium; It is characterized by comprising an information input section (274).

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 260, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 262 receives a message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 260. Accordingly, a predetermined card transaction message for ticket reservation / reservation through selective payment (or financial transaction) processing according to communication medium identification may be received.

When a predetermined card transaction message is received by the message receiving unit 262, the message checking unit 264 reads the received card transaction message and checks whether the ticket reservation / advance information is included.

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

If it is confirmed by the message confirming unit 264 that the ticket transaction / reservation information is included in the card transaction message, the information confirming unit 266 is linked with the communication medium confirming unit 270 for the card transaction message. Identify the first communication medium that has received the information, and verify at least one ticket processing information including communication medium switching information including first media information in association with the memory unit 230, and the confirmed ticket processing information. Among the one or more pieces of second communication medium information included in the information, the second communication medium information corresponding to the ticket reservation / reservation information is characterized in that it is confirmed.

According to an exemplary embodiment of the present disclosure, the information checking unit 266 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 230. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present disclosure, when the ticket reservation / advance information includes the ticket reservation / advance page URL, the information checking unit 266 may include information on communication media stored in the memory unit 230. Short-range wireless communication medium of the packet-switching method, short-range wireless communication medium of the direct communication method, short-range of the packet-switching method to communicate with the client terminal 105 connected to the ticket reservation / booking page near the VoIP composite terminal 100 It is preferable to automatically check any one of a wired communication medium, a short distance wired communication medium of a direct communication method, or an optical communication medium as the second communication medium, and the ticket reservation / advance page URL according to the intention of a person skilled in the art. Even if it is included even if the wireless communication medium or wired communication medium connected to the VoIP composite terminal 100 is automatically confirmed as the second communication medium To do

According to another exemplary embodiment of the present invention, when the ticket reservation / reservation information includes the ticket reservation / reservation path code information, the information checking unit 266 may provide communication medium information stored in the memory unit 230. Among the above, the wireless communication medium or wired communication medium corresponding to the ticket reservation / booking route code information, the short-range wireless communication medium of the packet-switching method, the short-range wireless communication medium of the direct communication method, the short-range wired communication medium of the packet switching method, Alternatively, it is preferable to automatically identify one of the communication media of a short distance wired communication medium or an optical communication medium of the direct communication method as the second communication medium.

When the second communication medium to process the ticket reservation / reservation is confirmed by the information confirming unit 266, the communication channel connection unit 260 processes the ticket reservation / reservation through the confirmed second communication medium. It characterized in that for connecting the communication channel.

Here, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located at a short distance through a packet-switched short-range wireless communication medium identified by the information checking unit 266. It is desirable to connect a short range wireless communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short range wireless communication medium of the direct communication method identified by the information checking unit 266. It is desirable to connect a short range wireless communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short-range wired communication medium of a packet exchange method identified by the information checking unit 266. It is desirable to connect a short distance wired communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 260 may be connected to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method identified by the information checking unit 266. It is desirable to connect a short distance wired communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 260 requests the ticket reservation / reservation request to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 266. It is desirable to connect an optical communication channel for transmitting information.

Alternatively, the communication channel connection unit 260 transmits the ticket reservation / reservation request information to a gateway (or platform operation server 120) on the communication network through a wired communication medium confirmed by the information checking unit 266. It is desirable to connect wide area communication channels.

Alternatively, the communication channel connection unit 260 transmits the ticket reservation / reservation request information to a gateway (or platform operation server 120) on the communication network through a wireless communication medium identified by the information checking unit 266. It is desirable to connect wide area communication channels.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 260, the mode switching unit 268 receives the first communication medium in which the card transaction message is received in the operation mode of the VoIP composite terminal 100. Characterized by the communication channel connection unit 260 is characterized in that switching to the ticket mode for each communication medium including the second communication medium connected to the communication channel.

Here, the ticket mode for each communication medium is a client terminal located near the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for ticket reservation / reservation request information generated by the VoIP complex terminal 100. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium is a client terminal which is located in close proximity to the VoIP composite terminal 100 through the short-range wireless communication medium of the ticket reservation / reservation request information generated by the VoIP composite terminal 100 through a direct communication method. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium may be a client terminal located near the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for ticket reservation / reservation request information generated by the VoIP complex terminal 100. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium may be a client terminal located at a short distance from the VoIP compound terminal 100 through a short distance wired communication medium of the ticket reservation / reservation request information generated by the VoIP compound terminal 100. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a ticket mode for processing the ticket reservation / reservation.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a gateway (or platform operation server 120) on the communication network through a wired communication medium to reserve the ticket. It is preferable to include a ticket mode for handling the booking.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a gateway (or platform operation server 120) on the communication network through a wireless communication medium to reserve the ticket. / Ticket mode for processing the reservation is preferably made.

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 260, the operation mode of the VoIP composite terminal 100 by the mode switching unit 268 corresponding to the second communication medium When switching to the star ticket mode, the interface output unit 272 via the key input unit 220, ticket reservation / reservation security information (for example, card password, platform for ticket reservation / reservation processing through the second communication medium) OTP, etc.), and outputs a ticket reservation / booking interface for each communication medium that receives the card information read from the customer card through the card reader unit 210.

Here, the ticket reservation / reservation interface for each communication medium is ticket reservation / reservation security information (for example, card password, platform OTP, etc.) for ticket reservation / reservation processing through the second communication medium through the key input unit 220 It is preferable to include a user interface for receiving the input, it is preferable to include a user interface for requesting to read the customer card through the card reader 210.

If the customer card is an IC card and the card reader unit 210 includes an IC reader unit, the ticket reservation / reservation interface for each communication medium may include a password (eg, a PIN) included in the ticket reservation / reservation security information. Preferably through the user interface to confirm the validity of the IC card through.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, and the ticket reservation / reservation request information includes only the card information read from the customer card (for example, when using the VoIP composite terminal 100 as a card reader for the ticket reservation / reservation processing), The ticket reservation / reservation interface for each communication medium may omit a user interface for receiving ticket reservation / reservation security information (eg, card password, platform OTP, etc.), and thus the present invention is not limited thereto.

After the ticket reservation / advance interface for each communication medium is output by the interface output unit 272, the information input unit 274 transmits the ticket reservation / advance security information (eg, a card password) through the key input unit 220. , Platform OTP, etc.).

According to another embodiment of the present invention, when the user interface for inputting the ticket reservation / reservation security information (eg, card password, platform OTP, etc.) to the ticket reservation / reservation interface for each communication medium is omitted, the information input unit 274 ) May not process the input information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 210 based on the ticket reservation / booking interface for each communication medium, the information input unit 274 is linked with the card reader unit 210 to read the card information. Characterized in that the input processing.

Referring to FIG. 2, the VoIP composite terminal 100 includes at least one of the input ticket reservation / advance information, ticket reservation / advance security information, and card information for ticket reservation corresponding to the second communication medium. Information generation unit 276 for generating reservation request information, and an information transmission unit for transmitting the ticket reservation / reservation request information through a communication channel connected through the second communication medium when the ticket reservation / reservation request information is generated. 278 is provided.

When the card information is input and processed through the information input unit 274, and the ticket reservation / advance information and the ticket reservation / advance security information are input and processed according to an implementation method, the information generation unit 276 performs the input ticket. And at least one or more reservation / advance information, ticket reservation / advance security information, and card information to generate ticket reservation / advance request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located at a short distance by the communication channel connection unit 260 according to an embodiment of the present invention. When a communication channel is connected through a medium, the information generator 276 may generate ticket reservation / reservation request information transmitted through the short-range wireless communication medium.

Or, the communication channel via the short-range wireless communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 may generate ticket reservation / reservation request information transmitted through the short range wireless communication medium of the direct communication method.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100, the VoIP composite terminal 100, and a client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generator 276 may generate ticket reservation / reservation request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via a short-range wired communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 may generate ticket reservation / reservation request information transmitted through the short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 260 is connected between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a client terminal 105 located in a short distance through an optical communication medium, the information is provided. The generation unit 276 preferably generates ticket reservation / reservation request information transmitted through the optical communication medium.

Alternatively, when the communication channel is connected through the wired communication medium between the VoIP composite terminal 100 and the gateway (or platform operation server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Generates the ticket reservation / reservation request information transmitted through the wired communication medium.

Alternatively, when the communication channel is connected between the VoIP composite terminal 100 and the gateway (or platform operating server 120) on the communication network by the communication channel connection unit 260 through a wireless communication medium, the information generation unit 276. ) Generates ticket reservation / reservation request information transmitted through the wireless communication medium.

When the ticket reservation / reservation request information is generated by the information generation unit 276, the information transmission unit 278 transmits the ticket reservation / reservation request information through a communication channel connected through the second communication medium. It is characterized by.

The information transmitter 278 transmits the ticket reservation / reservation request information through a communication channel connected through the second communication medium, and includes at least one key data in ticket processing information including the second communication medium information. Is included, the information transmission unit 278 preferably transmits the ticket reservation / reservation request information by encrypting the key data.

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

After the ticket reservation / reservation request information is transmitted by the information transmission unit 278, and a ticket reservation / reservation corresponding to the ticket reservation / reservation request information is processed, the ticket is received through the message receiving unit 262. Preferably, a message including reservation / reservation result information is received and output through the screen output unit 215.

2, the VoIP composite terminal 100, the screen output unit 215 for charging the electronic money through the selective payment (or financial transactions) processing according to the communication medium identification according to an embodiment of the present invention When the electronic money charging menu is selected through the key input unit 220 from among a plurality of menus output through the first and second menus, the first device identified by the communication medium checking unit 270 in association with the memory unit 230 is selected. An information checking unit for identifying at least one second communication medium information included in charging processing information including first medium information corresponding to a communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected); 266) and a mode selection interface for selecting a second communication medium to process the electronic money charging among the second communication media, and selecting the second communication medium to be charged with electronic money through the key input unit 220, Prize A mode switching unit 268 for switching the operation mode of the VoIP composite terminal 100 to a charging mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information, and for switching to a charging mode for each communication medium; And a communication channel connecting unit 260 connecting a communication channel for processing the electronic money charging through the selected second communication medium, and a key input unit 220 when connecting a communication channel through a second communication medium. Receiving electronic money charging information and electronic money charging security information for the electronic money charging processing through the second communication medium, the electronic communication for each communication medium for receiving the card information read from the customer card through the card reader 210 The electronic money charging information and the electronic money charging security information through an interface output unit 272 for outputting a money charging interface and the electronic money charging interface for each communication medium; And an information input unit 274 for input processing of card information.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 215. Outputs a plurality of menus, and when the electronic money charging menu is selected from the plurality of menus through the key input unit 220, the information checking unit 266 is checked by the communication medium checking unit 270. Confirm first media information corresponding to a first communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected), and a communication medium including first media information in association with the memory unit 230. And at least one charging processing information including the switching information and at least one second communication medium information included in the checked charging processing information.

When the at least one second communication medium information is confirmed by the information checking unit 266, the mode switching unit 268 is connected to the screen output unit 215 and among the at least one or more second communication mediums identified. And a mode selection interface for selecting a second communication medium to process the electronic money charging. When selecting a second communication medium to be charged with electronic money through the key input unit 220, the VoIP terminal ( The operation mode 100 may be switched to a charging mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the charging mode for each communication medium may include a client terminal located near the VoIP complex terminal 100 through a packet-switched short-range wireless communication medium for electronic money charging request information generated by the VoIP complex terminal 100 ( And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, the charging mode for each communication medium may include a client terminal located at a short distance from the VoIP composite terminal 100 through the short-range wireless communication medium of the electronic money charging request information generated by the VoIP composite terminal 100 ( And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, the charging mode for each communication medium may include a client terminal located at a short distance from the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for electronic money charging request information generated by the VoIP complex terminal 100 ( And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, the charging mode for each communication medium may include a client terminal located at a short distance from the VoIP composite terminal 100 through the short-range wired communication medium of the electronic money charging request information generated by the VoIP composite terminal 100 (direct communication method). And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a charging mode for processing the electronic money charging.

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to a gateway (or platform operation server 120) on the communication network through a wired communication medium to charge the electronic money. It is preferable to include a charging mode for processing.

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to a gateway (or platform operation server 120) on the communication network through a wireless communication medium to charge the electronic money. It is preferable to include a charging mode for processing.

When the operation mode of the VoIP composite terminal 100 is switched to the charging mode for each communication medium by the mode switching unit 268, the communication channel connection unit 260 requests to charge electronic money through the selected second communication medium. It is characterized by connecting a communication channel for processing the electronic money charging by transmitting information.

Here, the communication channel connection unit 260 is a short-range wireless communication for transmitting the electronic money charging request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 via a packet-switched short-range wireless communication medium. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 260 transmits the electronic money charging request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 260 transmits the electronic money charging request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 260 is a short-range wired line for transmitting the electronic money charging request information to the client terminal 105 located in the short-range with the VoIP composite terminal 100 through a short-range wired communication medium of the direct communication method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 260 may connect an optical communication channel for transmitting the electronic money charging request information to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. Do.

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the electronic money charging request information to a gateway (or platform operating server 120) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the electronic money charging request information to a gateway (or platform operating server 120) on the communication network through a wireless communication medium.

When the communication channel is connected through the second communication medium by the communication channel connection unit 260, the interface output unit 272 uses the key input unit 220 to transfer the electronic money through the second communication medium. Communication medium that receives money charging information (eg, amount of charge) and electronic money charging security information (eg, card password, platform OTP, etc.), and reads card information read from a customer card through the card reader 210. Characterized by outputting the electronic money charging interface.

Here, the electronic money charging interface for each communication medium may include electronic money charging information (for example, charge amount) and electronic money charging security information (for example, charge amount) for the electronic money charging process through the key input unit 220 through the second communication medium. , Card password, platform OTP, etc.) is preferably included, and preferably includes a user interface for requesting reading of the customer card through the card reader 210.

If the customer card is an IC card and the card reader unit 210 includes an IC reader unit, the electronic money charging interface for each communication medium may be entered through a password (eg, a PIN) included in the electronic money charging security information. It is preferable to further comprise a user interface for confirming the validity of the IC card.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, and the electronic money charging request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the electronic money charging process). The electronic money charging interface for each medium may omit some of the user interface for receiving electronic money charging information (for example, the amount of charge) and electronic money charging security information (for example, a card password, platform OTP, etc.). This is not limited.

After the electronic money charging interface for each communication medium is output by the interface output unit 272, the information input unit 274 transmits the electronic money charging information (for example, a charged amount) and the electronic value through the key input unit 220. Characterized in that the input charging security information (for example, card password, platform OTP).

According to another embodiment of the present invention of the user interface for receiving the electronic money charging information (for example, the amount of charge) and electronic money charging security information (for example, card password, platform OTP, etc.) to the electronic money charging interface for each communication medium If a part is omitted, the information input unit 274 may not process the information corresponding to the omitted user interface, and thus the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 210 based on the electronic money charging interface for each communication medium, the information input unit 274 connects the card information to the card reader unit 210. Characterized in that the input processing.

2, the VoIP composite terminal 100 for charging the electronic money through the selective payment (or financial transactions) processing according to the communication medium identification according to another embodiment of the present invention, the communication channel connection unit The message receiving unit 262 for receiving a card transaction message from the first communication medium to which the VoIP composite terminal 100 is connected by 260 and the received card transaction message are read to determine whether the electronic money charging information is included. Corresponding to the first communication medium (or the first communication medium receiving the card transaction message) confirmed by the communication medium confirmation unit 270 when the message confirmation unit 264 and the electronic money charging information are confirmed. Second communication medium information corresponding to the electronic money charging information, among the second communication medium information linked to the first communication medium information in connection with the memory unit 230, after confirming first communication medium information; A communication channel connection unit 260 for connecting the information confirmation unit 266 for checking the communication channel for processing the electronic money charging through the identified second communication medium when the second communication medium is checked; A mode switching unit 268 for switching the operation mode of the VoIP composite terminal 100 to a charging mode for each communication medium including the first communication medium information and the second communication medium information when the communication channel is connected through a communication medium; Receiving electronic money charging security information for electronic money charging processing through the second communication medium through the key input unit 220, and receiving card information read from a customer card through the card reader 210; An interface output unit 272 for outputting an electronic money charging interface for each communication medium, and a process for inputting and processing the electronic money charging security information and card information through the electronic money charging interface for each communication medium; By having an input unit (274) characterized by comprising.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 260, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 262 receives a message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 260. Accordingly, a predetermined card transaction message for charging the electronic money through selective payment (or financial transaction) processing according to the communication medium identification may be received.

When a predetermined card transaction message is received by the message receiving unit 262, the message confirming unit 264 reads the received card transaction message and checks whether the electronic money charging information is included.

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

When it is confirmed by the message confirming unit 264 that the electronic money charging information is included in the card transaction message, the information confirming unit 266 is connected with the communication medium confirming unit 270 to the card transaction message. Identify the first communication medium that has received the information, check at least one or more charging processing information including communication medium switching information including first media information in association with the memory unit 230, and confirm the charging processing information. Among the at least one second communication medium information included in the information, characterized in that for confirming the second communication medium information corresponding to the electronic money charging information.

According to an exemplary embodiment of the present disclosure, the information checking unit 266 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 230. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the electronic money charging information includes the URL of the electronic money charging page, the information checking unit 266 may include the VoIP information of the communication medium information stored in the memory unit 230. Near field communication terminal of the packet exchange method, short-range wireless communication medium of the direct communication method, short-range wired communication medium of the packet exchange method to communicate with the client terminal 105 connected to the electronic money charging page near the composite terminal 100 , Or it is preferable to automatically check any one of a short distance wired communication medium or an optical communication medium of the direct communication method as the second communication medium, and the electronic money charging page URL is included according to the intention of a person skilled in the art. Even if the VoIP composite terminal 100 is connected to the wireless communication medium or wired communication medium may be automatically confirmed as the second communication medium. Do.

According to another exemplary embodiment of the present disclosure, when the electronic money charging information includes the electronic money charging path code information, the information checking unit 266 may include information on communication media stored in the memory unit 230. A wireless communication medium or wired communication medium corresponding to the electronic money charging path code information, a near field wireless communication medium of a packet switched method, a near field wireless communication medium of a direct communication method, a short distance wired communication medium of a packet switched method, or direct communication It is preferable to automatically identify the communication medium of any one of a short-range wired communication medium or an optical communication medium as the second communication medium.

When the second communication medium to process the electronic money charging is confirmed by the information confirming unit 266, the communication channel connection unit 260 communicates to process the electronic money charging through the identified second communication medium. It is characterized by connecting the channel.

Here, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located at a short distance through a packet-switched short-range wireless communication medium identified by the information checking unit 266. It is preferable to connect a short-range wireless communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short range wireless communication medium of the direct communication method identified by the information checking unit 266. It is preferable to connect a short-range wireless communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short-range wired communication medium of a packet exchange method identified by the information checking unit 266. It is preferable to connect a short-range wired communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 260 may be connected to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method identified by the information checking unit 266. It is preferable to connect a short-range wired communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 260 transmits the electronic money charging request information to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 266. It is preferable to connect the optical communication channel for transmitting the.

Alternatively, the communication channel connection unit 260 transmits the electronic money charging request information to a gateway (or platform operation server 120) on the communication network through a wired communication medium identified by the information checking unit 266. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 260 transmits the electronic money charging request information to the gateway (or the platform operation server 120) on the communication network through the wireless communication medium identified by the information checking unit 266. It is desirable to connect the communication channels.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 260, the mode switching unit 268 receives the first communication medium in which the card transaction message is received in the operation mode of the VoIP composite terminal 100. And a charging mode for each communication medium including information and information on a second communication medium connected with the communication channel by the communication channel connection unit 260.

Here, the charging mode for each communication medium may include a client terminal located near the VoIP complex terminal 100 through a packet-switched short-range wireless communication medium for electronic money charging request information generated by the VoIP complex terminal 100 ( And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, the charging mode for each communication medium may include a client terminal located at a short distance from the VoIP composite terminal 100 through the short-range wireless communication medium of the electronic money charging request information generated by the VoIP composite terminal 100 ( And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, the charging mode for each communication medium may include a client terminal located at a short distance from the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for electronic money charging request information generated by the VoIP complex terminal 100 ( And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, the charging mode for each communication medium may include a client terminal located at a short distance from the VoIP composite terminal 100 through the short-range wired communication medium of the electronic money charging request information generated by the VoIP composite terminal 100 (direct communication method). And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a charging mode for processing the electronic money charging.

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to a gateway (or platform operation server 120) on the communication network through a wired communication medium to charge the electronic money. It is preferable to include a charging mode for processing.

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to a gateway (or platform operation server 120) on the communication network through a wireless communication medium to charge the electronic money. It is preferable to include a charging mode for processing.

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 260, the operation mode of the VoIP composite terminal 100 by the mode switching unit 268 corresponding to the second communication medium When the charging mode is switched, the interface output unit 272 uses the key input unit 220 to charge electronic money charging security information for the electronic money charging process through the second communication medium (eg, card password, platform OTP, etc.). ), And outputs an electronic money charging interface for each communication medium that receives the card information read from the customer card through the card reader unit 210.

Here, the electronic money charging interface for each communication medium receives electronic money charging security information (eg, card password, platform OTP, etc.) for the electronic money charging process through the key input unit 220 through the second communication medium. It is preferable to include a user interface, and preferably comprises a user interface for requesting to read the customer card through the card reader unit 210.

If the customer card is an IC card and the card reader unit 210 includes an IC reader unit, the electronic money charging interface for each communication medium may be entered through a password (eg, a PIN) included in the electronic money charging security information. It is preferable to further comprise a user interface for confirming the validity of the IC card.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, and the electronic money charging request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the electronic money charging process). The electronic money charging interface for each medium may omit a user interface for receiving electronic money charging security information (eg, card password, platform OTP, etc.), and the present invention is not limited thereto.

After the electronic money charging interface for each communication medium is output by the interface output unit 272, the information input unit 274 uses the key input unit 220 to secure the electronic money charging security information (eg, card password, platform). OTP, etc.).

According to another embodiment of the present invention, when the user interface for receiving the electronic money charging security information (eg, card password, platform OTP, etc.) is omitted from the electronic money charging interface for each communication medium, the information input unit 274 The information corresponding to the omitted user interface may not be inputted, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 210 based on the electronic money charging interface for each communication medium, the information input unit 274 connects the card information to the card reader unit 210. Characterized in that the input processing.

Referring to FIG. 2, the VoIP composite terminal 100 includes at least one of the electronic money charging information, the electronic money charging security information, and the card information, and the electronic money charging request corresponding to the second communication medium. An information generator 276 for generating information and an information transmitter 278 for transmitting the electronic money charging request information through a communication channel connected through the second communication medium when the electronic money charging request information is generated. Characterized in that made.

When the card information is input and processed through the information input unit 274, and the electronic money charging information and the electronic money charging security information are input and processed according to an implementation method, the information generation unit 276 performs the input electronic money charging information. And at least one electronic money charging security information and card information to generate electronic money charging request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located at a short distance by the communication channel connection unit 260 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generation unit 276 may generate the electronic money charging request information transmitted through the short-range wireless communication medium of the packet exchange method.

Or, the communication channel via the short-range wireless communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 preferably generates electronic money charging request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100, the VoIP composite terminal 100, and a client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generation unit 276 preferably generates electronic money charging request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via a short-range wired communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 preferably generates electronic money charging request information transmitted through the short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 260 is connected between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a client terminal 105 located in a short distance through an optical communication medium, the information is provided. The generation unit 276 preferably generates electronic money charging request information transmitted through the optical communication medium.

Alternatively, when the communication channel is connected through the wired communication medium between the VoIP composite terminal 100 and the gateway (or platform operation server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Generates the electronic money charging request information transmitted through the wired communication medium.

Alternatively, when the communication channel is connected through the wireless communication medium between the VoIP composite terminal 100 and the gateway (or platform operating server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Preferably generates electronic money charging request information transmitted through the wireless communication medium.

When the electronic money charging request information is generated by the information generator 276, the information transmitter 278 transmits the electronic money charging request information through a communication channel connected through the second communication medium. It is done.

When the information transmitter 278 transmits the electronic money charging request information through a communication channel connected through the second communication medium, at least one key data is included in the charging processing information including the second communication medium information. When included, the information transmitter 278 preferably transmits the electronic money charging request information through the key data.

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

After the electronic money charging request information is transmitted by the information transmitter 278, and the electronic money charging corresponding to the electronic money charging request information is processed, the electronic money charging result information through the message receiving unit 262. Preferably, a message including a received message is output through the screen output unit 215.

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

In more detail, FIG. 3 illustrates a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or a near field communication medium including at least one packet switched local area wireless communication medium, a direct communication local area wireless communication medium, a packet switched local area wired communication medium, a direct communication local area wired communication medium, and an optical communication medium. Of the above, the VoIP composite terminal 100 for the process of searching for at least one or more communication media for processing the selective payment according to the communication medium identification, if one of ordinary skill in the art to which the present invention belongs, Communication medium for selective payment processing according to the communication medium identification by referring to and / or modifying the Figure 3 Various implementation methods for the process of searching for may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

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

Referring to FIG. 3, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In operation 300, the terminal determines whether the voice call mode is idle, or the data communication mode is idle.

If the operation mode of the terminal is determined to be in the voice call mode idle state or the data communication mode idle state (305), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect the communication channel for the payment processing with at least one platform operation server 120 located on the communication network according to the channel search protocol corresponding to the check whether the platform operation server 120 on the communication network is discovered ( 310).

If the platform operating server 120 on the communication network is found (315), the terminal checks the communication medium information corresponding to the platform operating server 120 found on the communication network through the channel search protocol (320), The communication medium information and the payment processing information for each communication medium are linked to the memory unit 230 (or the security application module 250) and stored (325), and the process is performed on all the wide area communication media connectable to the terminal. Repeat periodically for 330.

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

In the payment processing using the terminal, when payment information for the payment processing is received through at least one or more communication media, the communication medium switching information may include first communication medium information for receiving the payment information and the payment. It is preferable that the second communication medium information for transmitting the payment request information including the information and the card information read through the card reader unit 210 is preferably made.

Alternatively, when the payment information for the payment processing is input through the key input unit 220, the communication medium switching information may include the payment information input through the key input unit 220 and the card reader 210. And second communication medium information for transmitting payment request information including card information read through the first communication medium, wherein the first communication medium connected to the terminal before the payment processing is the same as the second communication medium. It is possible to include a medium or include other communication media.

In addition, the key data is confidentiality, authentication, integrity, and nonrepudiation of the payment request information between the terminal and the platform operation server 120 receiving the payment request information. It is preferable that the at least one encryption key (or decryption key) to secure the.

According to an embodiment of the present invention, the payment processing information for each communication medium is stored in the memory unit 230 (or the security application module 250) in association with a plurality of communication medium information that can be connected through the terminal and in an inactive state. In this case, it is preferable that the terminal activates payment processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (330), the terminal may be a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication method, a short-range wired communication medium of a packet switching method, and direct communication among a plurality of communication media. A communication channel connection for the payment processing with at least one client terminal 105 located in a short range according to a channel search protocol corresponding to a short range communication medium including at least one of a short distance wired communication medium and an optical communication medium. By attempting, it is checked whether the client terminal 105 located in the near field is found (335).

If the client terminal 105 located in the near field is found (340), the terminal checks the communication medium information corresponding to the client terminal 105 found in the near field through the channel search protocol (345), The communication medium information and the payment processing information for each communication medium are linked to the memory unit 230 (or the security application module 250) and stored (350), and the process is performed on the short-range communication medium connectable to the terminal. Repeat periodically (355).

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

In the payment processing using the terminal, when payment information for the payment processing is received through at least one or more communication media, the communication medium switching information may include first communication medium information for receiving the payment information and the payment. It is preferable that the second communication medium information for transmitting the payment request information including the information and the card information read through the card reader unit 210 is preferably made.

Alternatively, when the payment information for the payment processing is input through the key input unit 220, the communication medium switching information may include the payment information input through the key input unit 220 and the card reader 210. And a second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium connected to the terminal before the payment processing is a communication medium such as the second communication medium. It is possible to include or other communication media.

In addition, the key data is confidentiality, authentication, integrity and nonrepudiation of the payment request information between the terminal and the platform operation server 120 receiving the payment request information. It is preferable that the at least one encryption key (or decryption key) to secure the.

According to an embodiment of the present invention, the payment processing information for each communication medium is stored in the memory unit 230 (or the security application module 250) in association with a plurality of communication medium information that can be connected through the terminal and in an inactive state. In this case, it is preferable that the terminal activates payment processing information for each communication medium stored in association with the searched communication medium information.

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

In more detail, FIG. 4 shows a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or a near field communication medium including at least one packet switched local area wireless communication medium, a direct communication local area wireless communication medium, a packet switched local area wired communication medium, a direct communication local area wired communication medium, and an optical communication medium. Of the above, the VoIP composite terminal 100 for the process of searching for at least one or more communication media for processing a selective financial transaction according to the communication medium identification, if one of ordinary skill in the art to which the present invention belongs, Communication medium for selective financial transaction processing according to the communication medium identification by referring to and / or modifying the Figure 4 Various implementation methods for the process of searching for may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

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

Referring to FIG. 4, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In the voice call mode corresponding to the function or the data communication function, or in the data communication mode, the terminal determines whether the voice call mode is idle or the data communication mode is idle (400).

If the operation mode of the terminal is determined to be in the voice call mode idle state or the data communication mode idle state (405), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect the communication channel for the financial transaction processing with at least one platform operation server 120 located on the communication network according to the channel search protocol corresponding to the check whether the platform operation server 120 on the communication network is discovered ( 410).

If the platform operating server 120 on the communication network is found (415), the terminal checks the communication medium information corresponding to the platform operating server 120 found on the communication network through the channel search protocol (420), The communication medium information and the banking processing information for each communication medium are linked to each other and stored in the memory unit 230 (or the security application module 250) (425), and the process is performed on all the wide area communication media that can be connected to the terminal. Repeat periodically for (430).

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

In the financial transaction processing using the terminal, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include first communication medium information for receiving the financial transaction information; Preferably, the financial transaction information includes second communication medium information for transmitting the financial transaction request information including the financial transaction information and the card information read through the card reader 210.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 220, the communication medium switching information may be the financial transaction information input through the key input unit 220 and the card reader unit 210. And second communication medium information for transmitting the financial transaction request information including card information read through the card information, wherein the first communication medium connected to the terminal before the financial transaction processing is connected to the second communication medium. It is possible to include the same communication medium or different communication media.

In addition, the key data is an encryption key (or decryption key) for securing the confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the terminal and the platform operation server 120 receiving the financial transaction request information It is preferable to comprise at least one).

According to an embodiment of the present invention, banking processing information for each communication medium is stored in the memory unit 230 (or the security application module 250) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates banking processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (430), the terminal may be a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication method, a short-range wired communication medium of a packet switching method, and direct communication among a plurality of communication media. A communication channel connection for processing the financial transaction with at least one client terminal 105 located in a short range according to a channel search protocol corresponding to a short range communication medium including at least one local area wired communication medium and an optical communication medium. By attempting, it is checked whether the client terminal 105 located in the near field is found (435).

If the client terminal 105 located in the short range is found (440), the terminal checks the communication medium information corresponding to the client terminal 105 found in the short range through the channel search protocol (445), The communication medium information and the banking processing information for each communication medium are linked to each other and stored in the memory unit 230 (or the security application module 250) (450), and the process is performed for the short-range communication medium connectable to the terminal. Repeat periodically (455).

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

In the financial transaction processing using the terminal, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include first communication medium information for receiving the financial transaction information; Preferably, the financial transaction information includes second communication medium information for transmitting the financial transaction request information including the financial transaction information and the card information read through the card reader 210.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 220, the communication medium switching information may be the financial transaction information and the card reader unit 210 input through the key input unit 220. And second communication medium information for transmitting the financial transaction request information including card information read through the card information, wherein the first communication medium connected to the terminal before the financial transaction processing is connected to the second communication medium. It is possible to include the same communication medium or different communication media.

In addition, the key data is an encryption key (or decryption key) for securing the confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the terminal and the platform operation server 120 receiving the financial transaction request information It is preferable to comprise at least one).

According to an embodiment of the present invention, banking processing information for each communication medium is stored in the memory unit 230 (or the security application module 250) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates banking processing information for each communication medium stored in association with the searched communication medium information.

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

In more detail, FIG. 5 is a broadband communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or a near field communication medium including at least one packet switched local area wireless communication medium, a direct communication local area wireless communication medium, a packet switched local area wired communication medium, a direct communication local area wired communication medium, and an optical communication medium. Of the above, the VoIP composite terminal 100 for the process of searching for at least one or more communication media for processing the payment through the selective payment (or financial transactions) according to the communication medium identification, the present invention belongs to If one of ordinary skill in the art, the selection according to the communication medium identification by referring to and / or modified in Figure 5 Various implementation methods for the process of searching for a communication medium for payment of giro payment through payment (or financial transaction) may be inferred, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

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

Referring to FIG. 5, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium. In operation 500, the terminal determines whether the voice call mode is idle, or the data communication mode is idle, in a voice call mode corresponding to a call function or a data communication function.

If the operation mode of the terminal is determined to be in the voice call mode idle state or the data communication mode idle state (505), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect the communication channel for the branch payment processing with at least one platform operation server 120 located on the communication network according to the channel search protocol corresponding to the check whether the platform operation server 120 on the communication network is found ( 510).

If the platform operating server 120 on the communication network is found (515), the terminal checks the communication medium information corresponding to the platform operating server 120 found on the communication network through the channel search protocol (520), The communication medium information and the processing information for each communication medium are linked to each other and stored in the memory unit 230 (or the security application module 250) (525), and the process is performed on all the wide area communication media that can be connected to the terminal. Repeat periodically for 530.

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

In the case of the giropayment processing using the terminal, when the giropayment information for the giropayment processing is received through at least one or more communication media, the communication medium switching information includes first communication medium information for receiving the giropayment information; Preferably, the information includes second communication medium information for transmitting the branch payment request information including the branch payment information and the card information read through the card reader 210.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 220, the communication medium switching information is inputted through the key input unit 220 and the card reader unit 210. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the first communication medium connected to the terminal before the Jiro payment processing is connected to the second communication medium; It is possible to include the same communication medium or different communication media.

In addition, the key data is an encryption key (or decryption key) to secure the confidentiality, authentication, integrity and non-repudiation of the giro payment request information between the terminal and the platform operation server 120 receiving the giro payment request information It is preferable to comprise at least one).

According to an embodiment of the present invention, the processing information for each communication medium is stored in the memory unit 230 (or the security application module 250) in association with a plurality of communication medium information that can be connected through the terminal and in an inactive state. In this case, it is preferable that the terminal activates processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (530), the terminal may be a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication method, a short-range wired communication medium of a packet switching method, and direct communication among a plurality of communication media. A communication channel connection for the branch payment processing with at least one client terminal 105 located at a short distance according to a channel search protocol corresponding to a near field communication medium including at least one local area wired communication medium and at least one optical communication medium. By attempting, it is checked whether the client terminal 105 located in the near field is found (535).

If the client terminal 105 located in the near field is found (540), the terminal checks the communication medium information corresponding to the client terminal 105 found in the near field through the channel search protocol (545), The communication medium information is stored in the memory unit 230 (or the security application module 250) in association with processing information for each communication medium (550), and the process is performed for a short range communication medium connectable to the terminal. Repeat periodically (555).

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

In the case of the giropayment processing using the terminal, when the giropayment information for the giropayment processing is received through at least one or more communication media, the communication medium switching information includes first communication medium information for receiving the giropayment information; Preferably, the information includes second communication medium information for transmitting the branch payment request information including the branch payment information and the card information read through the card reader 210.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 220, the communication medium switching information is inputted through the key input unit 220 and the card reader unit 210. And a second communication medium information for transmitting giro payment request information including card information read through), wherein the first communication medium to which the terminal is connected before the Jiro payment process is connected to the second communication medium. It is possible to include the same communication medium or different communication media.

In addition, the key data is an encryption key (or decryption key) to secure the confidentiality, authentication, integrity and non-repudiation of the giro payment request information between the terminal and the platform operation server 120 receiving the giro payment request information It is preferable to comprise at least one).

According to an embodiment of the present invention, the processing information for each communication medium is stored in the memory unit 230 (or the security application module 250) in association with a plurality of communication medium information that can be connected through the terminal and in an inactive state. In this case, it is preferable that the terminal activates processing information for each communication medium stored in association with the searched communication medium information.

FIG. 6 is a diagram illustrating an operation process of the VoIP composite terminal 100 for searching for a communication medium for ticket reservation / advance processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention. .

In more detail, FIG. 6 illustrates a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or a near field communication medium including at least one packet switched local area wireless communication medium, a direct communication local area wireless communication medium, a packet switched local area wired communication medium, a direct communication local area wired communication medium, and an optical communication medium. Of the above, the VoIP composite terminal 100 is a process for searching for at least one communication medium for processing a ticket reservation / reservation through the selective payment (or financial transactions) according to the communication medium identification, the present invention belongs to Those of ordinary skill in the art may refer to and / or modify the present invention in accordance with the identification of the communication medium. Various implementation methods for the process of searching for a communication medium for ticket reservation / booking processing through selective payment (or financial transaction) may be inferred, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the VoIP composite terminal 100 shown in FIG. 2 is referred to as "terminal" for convenience.

Referring to FIG. 6, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In the voice call mode corresponding to the function or the data communication function or the data communication mode, the terminal determines whether the voice call mode is idle or the data communication mode is idle (600).

If the operation mode of the terminal is determined to be in the voice call mode idle state, or the data communication mode idle state (605), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect the communication channel for the ticket reservation / booking process with at least one platform operation server 120 located on the communication network according to the channel discovery protocol corresponding to the check whether the platform operation server 120 on the communication network is discovered 610.

If the platform operating server 120 on the communication network is found (615), the terminal checks the communication medium information corresponding to the platform operating server 120 found on the communication network through the channel search protocol (620), The communication medium information and the ticket processing information for each communication medium are linked to each other and stored in the memory unit 230 (or the security application module 250) (625), and the process is performed on all the wide area communication media that can be connected to the terminal. Repeat periodically for 630.

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

When the ticket reservation / reservation using the terminal, when receiving the ticket reservation / reservation information for the ticket reservation / reservation through at least one or more communication media, the communication medium switching information is the first to receive the ticket reservation / reservation information; And a second communication medium information for transmitting the ticket reservation / advance request information including the communication medium information, the ticket reservation / advance information and the card information read through the card reader 210. .

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 220, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 220 and the It is preferable that the second communication medium information for transmitting the ticket reservation / reservation request information including the card information read through the card reader unit 210, the first communication is connected to the terminal before the ticket reservation / reservation The medium may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data is an encryption key for securing confidentiality, authentication, integrity and non-repudiation of the ticket reservation / reservation request information between the terminal and the platform operation server 120 that receives the ticket reservation / reservation request information (Or decryption key) is preferably included.

According to an exemplary embodiment of the present invention, ticket processing information for each communication medium is stored in the memory unit 230 (or the security application module 250) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates ticket processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (630), the terminal is a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-range wired communication medium of the packet communication method, a direct communication of a plurality of communication media At least one client terminal 105 located at a short distance according to a channel search protocol corresponding to a near field communication medium including at least one of a short distance wired communication medium and an optical communication medium, and a communication channel for ticket reservation / reservation processing. By attempting to connect, it is checked if the client terminal 105 located in the near field is found (635).

If the client terminal 105 located in the near field is found (640), the terminal checks the communication medium information corresponding to the client terminal 105 found in the near field through the channel search protocol (645), The communication medium information and the ticket processing information for each communication medium are linked to each other and stored in the memory unit 230 (or the security application module 250) (650), and the process is performed for the short range communication medium connectable to the terminal. Repeat periodically (655).

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

When the ticket reservation / reservation using the terminal, when receiving the ticket reservation / reservation information for the ticket reservation / reservation through at least one or more communication media, the communication medium switching information is the first to receive the ticket reservation / reservation information; And a second communication medium information for transmitting the ticket reservation / advance request information including the communication medium information, the ticket reservation / advance information and the card information read through the card reader 210. .

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 220, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 220 and the It is preferable that the second communication medium information for transmitting the ticket reservation / reservation request information including the card information read through the card reader unit 210, the first communication is connected to the terminal before the ticket reservation / reservation The medium may be a communication medium such as the second communication medium or may include another communication medium.

In addition, the key data is an encryption key for securing confidentiality, authentication, integrity and non-repudiation of the ticket reservation / reservation request information between the terminal and the platform operation server 120 that receives the ticket reservation / reservation request information (Or decryption key) is preferably included.

According to an exemplary embodiment of the present invention, ticket processing information for each communication medium is stored in the memory unit 230 (or the security application module 250) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates ticket processing information for each communication medium stored in association with the searched communication medium information.

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

In more detail, FIG. 7 illustrates a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or short-range communication including at least one of a packet-switched short-range wireless communication medium, a direct communication short-range wireless communication medium, a packet-switched short distance wireless communication medium, a direct communication short-range wireless communication medium, and an optical communication medium. The present invention relates to a process of searching for at least one communication medium for processing electronic money charging through selective payment (or financial transaction) according to communication medium identification in the VoIP composite terminal 100 in the medium, to which the present invention pertains. Those of ordinary skill in the art may refer to and / or modify this drawing 7 according to the communication medium identification. Various implementation methods for the process of searching for a communication medium for the processing of electronic money charging through selective payment (or financial transaction) may be inferred, but the present invention includes all the implementation methods inferred above. The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the VoIP composite terminal 100 shown in FIG. 2 is referred to as "terminal" for convenience.

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

If the operation mode of the terminal is determined to be in the voice call mode idle state or the data communication mode idle state (705), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect the communication channel for the electronic money charging process with at least one platform operation server 120 located on the communication network according to the channel search protocol corresponding to the check whether the platform operation server 120 on the communication network is found. (710).

If the platform operating server 120 on the communication network is found (715), the terminal checks the communication medium information corresponding to the platform operating server 120 found on the communication network through the channel search protocol (720), The communication medium information is stored in the memory unit 230 (or the security application module 250) in association with the charge processing information for each communication medium (725), and the process is performed on all the wide area communication media that can be connected to the terminal. Repeat periodically for 730.

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

When the electronic money is charged using the terminal, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information may include the first communication medium information for receiving the electronic money charging information. And second communication medium information for transmitting the electronic money charging request information including the electronic money charging information and the card information read through the card reader 210.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 220, the communication medium switching information is inputted through the key input unit 220 and the electronic money charging information and the card reader unit. It is preferable that the second communication medium information for transmitting the electronic money charging request information including the card information read through the 210, the first communication medium connected to the terminal before charging the electronic money is the second communication medium; It is possible to include a communication medium such as a communication medium or other communication mediums.

In addition, the key data is an encryption key (or to secure the confidentiality, authentication, integrity and non-repudiation of the electronic money charging request information between the terminal and the platform operation server 120 receiving the electronic money charging request information (or At least one decryption key).

According to an embodiment of the present invention, the charging processing information for each communication medium is stored in the memory unit 230 (or the security application module 250) in association with a plurality of communication medium information that can be connected through the terminal and in an inactive state. In this case, it is preferable that the terminal activates charging processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (730), the terminal is a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-range wired communication medium of the packet switching method, a direct communication of a plurality of communication media A communication channel for the electronic money charging process and at least one client terminal 105 located at a short distance according to a channel search protocol corresponding to a short distance communication medium and a short distance communication medium including at least one optical communication medium. By attempting to verify that the client terminal 105 located in the near field is found (735).

If the client terminal 105 located in the near field is found (740), the terminal checks the communication medium information corresponding to the client terminal 105 found in the near field through the channel search protocol (745), The communication medium information is stored in the memory unit 230 (or the security application module 250) in association with the charging process information for each communication medium (750), and the process is for a short range communication medium connectable to the terminal. Repeat periodically (755).

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

When the electronic money is charged using the terminal, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information may include the first communication medium information for receiving the electronic money charging information. And second communication medium information for transmitting the electronic money charging request information including the electronic money charging information and the card information read through the card reader 210.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 220, the communication medium switching information is inputted through the key input unit 220 and the electronic money charging information and the card reader unit. It is preferable that the second communication medium information for transmitting the electronic money charging request information including the card information read through the 210, the first communication medium connected to the terminal before charging the electronic money is the second communication medium; It is possible to include a communication medium such as a communication medium or other communication mediums.

In addition, the key data is an encryption key (or to secure the confidentiality, authentication, integrity and non-repudiation of the electronic money charging request information between the terminal and the platform operation server 120 receiving the electronic money charging request information (or At least one decryption key).

According to an embodiment of the present invention, the charging processing information for each communication medium is stored in the memory unit 230 (or the security application module 250) in association with a plurality of communication medium information that can be connected through the terminal and in an inactive state. In this case, it is preferable that the terminal activates charging processing information for each communication medium stored in association with the searched communication medium information.

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

In more detail, FIG. 8 illustrates the payment through a predetermined communication medium among communication media discovered through the communication medium searching process shown in FIG. 3 when the payment menu is selected in the VoIP composite terminal 100 shown in FIG. Regarding the operation process of processing the payment, those skilled in the art to which the present invention belongs, the process for the selective payment processing according to the communication medium identification with reference to and / or this figure 8 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

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

Referring to FIG. 8, the terminal outputs a plurality of menus including at least one of the payment menu, banking menu, giro payment menu, ticket reservation / advance menu, and electronic money charging menu, and inputs a key provided in the terminal. The method determines whether a payment menu is selected from the plurality of menus (800).

If the payment menu is selected (805), the terminal checks the first communication medium currently connected to the communication (810), the payment for each communication medium including the first communication medium information in association with the memory unit 230 In operation 815, at least one second communication medium information associated with the first communication medium information is identified in the payment processing information (820).

Subsequently, the terminal outputs a user interface for selecting payment target second communication medium information from among the at least one or more pieces of confirmed second communication medium information (825), and a predetermined payment target second through the user interface. In operation 830, the communication medium information is selected.

If the second payment medium information for payment is selected (835), the terminal switches the operation mode to a payment mode for each communication medium corresponding to the second communication medium information for payment (840).

Here, the payment mode for each communication medium is a client terminal 105 located at a short distance from the VoIP composite terminal 100 via a packet-switched short-range wireless communication medium for payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the client terminal 105 located near the VoIP composite terminal 100 through the short range wireless communication medium of the payment request information generated by the VoIP composite terminal 100 through a direct communication method. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of a packet exchange method for payment request information generated by the VoIP complex terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the client terminal 105 located at a short distance with the VoIP composite terminal 100 through the short-range wired communication medium of the payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the payment request information generated in the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a payment mode for processing the payment.

Alternatively, the payment mode for each communication medium includes a payment mode for transmitting the payment request information generated in the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wired communication medium to process the payment. It is preferable to make it.

Alternatively, the payment mode for each communication medium includes a payment mode for transmitting the payment request information generated in the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wireless communication medium to process the payment. It is preferable to make it.

Thereafter, the terminal connects a communication channel with an apparatus for processing payment, or a server through the payment target second communication medium information (845).

Here, it is preferable that the terminal connects the short-range wireless communication channel for transmitting the payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wireless communication medium of a packet switched method. .

Alternatively, the terminal may connect a short range wireless communication channel for transmitting the payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short range wireless communication medium of a direct communication method. .

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the payment request information to the VoIP composite terminal 100 and the client terminal 105 located in a short distance through a short-range wired communication medium of a packet exchange method. .

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the payment request information to the VoIP composite terminal 100 and a client terminal 105 located in a short distance through a short-range wired communication medium of a direct communication method. .

Alternatively, the terminal may connect an optical communication channel for transmitting the payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the payment request information to the platform operation server 120 on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the payment request information to the platform operation server 120 on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the payment target second communication medium information (850), the terminal outputs a payment interface for each communication medium corresponding to the second communication medium information for payment; In operation 855, payment information, payment security information, and card information are input through the payment interface for each communication medium (860).

If payment information, payment security information, and card information are input through the payment interface for each communication medium (865), the terminal performs the transaction process shown in FIG.

9 is a flowchart illustrating an operation of the VoIP composite terminal 100 for the selective payment processing according to the communication medium identification according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates a card transaction message including payment information from a first communication medium among communication media discovered through the communication medium discovery process shown in FIG. 3 in the VoIP composite terminal 100 shown in FIG. In the case of receiving the, the process of the automatic payment through the second communication medium corresponding to the payment information to process the payment process, if one of ordinary skill in the art to which the present invention belongs, this figure 9 By referring to and / or modified to the various implementation methods for the process for the selective payment processing according to the communication medium identification can be inferred, the present invention comprises all the inferred implementation methods, this figure 9 The technical features are not limited only to the implementation method shown in FIG.

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

Referring to FIG. 9, the terminal checks whether a predetermined card transaction message is received from a first communication medium currently connected to a communication medium found through the communication medium searching process shown in FIG.

If a predetermined card transaction message is received from the first communication medium (905), the terminal reads the received card transaction message and checks whether payment information for the payment processing is included (910).

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

If the payment information is not included in the card transaction message (915), the terminal includes the financial transaction information, giro payment information, ticket reservation / reservation information, electronic money charging information in addition to the payment information. The process of checking whether there is a check is performed (920).

On the other hand, if the payment information is not included in the card transaction message (915), the terminal is linked to the memory unit 230, payment settlement corresponding to the payment information of the payment processing information including the first communication medium information The target second communication medium information is checked (925).

According to an exemplary embodiment of the present disclosure, the terminal may automatically check a wireless communication medium or a wired communication medium to which the terminal is connected among the communication medium information stored in the memory unit 230 as the second communication medium. .

According to another embodiment of the present invention, when the payment information includes the payment page URL, the terminal among the communication medium information stored in the memory unit 230, the client accessing the payment page near the terminal A packet-switched short-range wireless communication medium for direct communication with the terminal 105, a short-range wireless communication medium for a direct communication method, a short-range wired communication medium for a packet-switched method, or a short-range wired communication medium for a direct communication method, or an optical communication medium. It is preferable to automatically check any one communication medium as the second communication medium, and even if the payment page URL is included according to the intention of a person skilled in the art, the wireless communication medium to which the terminal is connected, or the wired communication medium to the second communication medium. You may check the media automatically.

According to another exemplary embodiment of the present invention, when the payment information includes the payment path code information, the terminal corresponds to the payment path code information among communication medium information stored in the memory unit 230. A wireless communication medium, or a wired communication medium, or a short-range wireless communication medium of a packet-switched method, a short-range wireless communication medium of a direct communication method, a short-range wireless communication medium of a packet-switching method, or a short-range wired communication medium of a direct communication method, or an optical fiber. Preferably, any one of the communication media is automatically identified as the second communication media.

If the second payment medium information for payment corresponding to the payment information is confirmed (930), the terminal establishes a communication channel with an apparatus for processing payment through the second communication medium information for payment, or a server. Connect (935).

Here, it is preferable that the terminal connects the short-range wireless communication channel for transmitting the payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wireless communication medium of a packet switched method. .

Alternatively, the terminal may connect a short range wireless communication channel for transmitting the payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short range wireless communication medium of a direct communication method. .

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the payment request information to the VoIP composite terminal 100 and the client terminal 105 located in a short distance through a short-range wired communication medium of a packet exchange method. .

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the payment request information to the VoIP composite terminal 100 and a client terminal 105 located in a short distance through a short-range wired communication medium of a direct communication method. .

Alternatively, the terminal may connect an optical communication channel for transmitting the payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the payment request information to the platform operation server 120 on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the payment request information to the platform operation server 120 on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the payment target second communication medium information (940), the terminal sets the operation mode to the payment mode for each communication medium corresponding to the payment target second communication medium information. Switch to (940).

Here, the payment mode for each communication medium is a client terminal 105 located at a short distance from the VoIP composite terminal 100 via a packet-switched short-range wireless communication medium for payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the client terminal 105 located near the VoIP composite terminal 100 through the short range wireless communication medium of the payment request information generated by the VoIP composite terminal 100 through a direct communication method. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of a packet exchange method for payment request information generated by the VoIP complex terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the client terminal 105 located at a short distance with the VoIP composite terminal 100 through the short-range wired communication medium of the payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the payment request information generated in the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a payment mode for processing the payment.

Alternatively, the payment mode for each communication medium includes a payment mode for transmitting the payment request information generated in the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wired communication medium to process the payment. It is preferable to make it.

Alternatively, the payment mode for each communication medium includes a payment mode for transmitting the payment request information generated in the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wireless communication medium to process the payment. It is preferable to make it.

Thereafter, the terminal outputs a payment interface for each communication medium corresponding to the second communication medium information for payment (950), and checks whether payment information, payment security information, and card information are input through the payment interface for each communication medium. (955).

If payment information, payment security information, and card information are input through the payment interface for each communication medium (960), the terminal performs the transaction process shown in FIG.

FIG. 10 illustrates a transaction process for selective payment processing according to communication medium identification according to an embodiment of the present invention.

In more detail, in FIG. 10, at least one or more payment information, payment security information, and card information input through the payment processing process illustrated in FIG. 7 or FIG. 8 in the VoIP composite terminal 100 shown in FIG. The present invention relates to a process of generating payment request information including information and transmitting the same through the second communication medium. Those skilled in the art to which the present invention pertains may refer to and / or modify the communication medium to refer to and / or modify the communication medium. Various implementation methods for the transaction process for the selective payment processing according to the identification may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features only by the implementation method shown in FIG. This is not limited.

Hereinafter, in FIG. 10, the VoIP composite terminal 100 shown in FIG. 2 is referred to as "terminal" for convenience.

Referring to FIG. 10, when payment information, payment security information, and card information are input through the payment settlement process shown in FIG. 8 or FIG. 9, the terminal displays the input payment information, payment security information, and card information. In operation 1000, payment request information that can be transmitted to the second communication medium corresponding to the connected communication channel is generated during the payment processing shown in FIG. 8 or 9.

If the payment request information is generated (1005), the terminal transmits the payment request information through a communication channel corresponding to the second communication medium (1010), the first communication medium (for example through the terminal) Check whether the message including the payment result is received through the connected communication medium or the communication medium receiving the card transaction message or the second communication medium (for example, the communication medium transmitting the payment request information) before the payment processing. (1015).

If a message including the payment result is received (1025), the terminal outputs the payment result included in the received message on the screen (1030).

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

In more detail, in FIG. 11, when the banking menu is selected in the VoIP composite terminal 100 shown in FIG. 2, the finance is performed through a predetermined communication medium among communication media discovered through the communication medium searching process shown in FIG. As an operation process for processing a transaction, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a process for processing a selective financial transaction according to the communication medium identification by referring to and / or modifying the drawing 11. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

In the following figure 11, the VoIP composite terminal 100 shown in FIG. 2 is referred to as " terminal "

Referring to FIG. 11, the terminal outputs a plurality of menus including at least one of the payment menu, banking menu, giro payment menu, ticket reservation / advance menu, and electronic money charging menu, and inputs a key provided in the terminal. In operation 1100, the banking menu is selected from the plurality of menus.

If the banking menu is selected (1105), the terminal checks the first communication medium currently connected to the communication (1110), and banking for each communication medium including the first communication medium information in association with the memory unit 230 The processing information is checked (1115), and at least one or more second communication media information associated with the first communication medium information is identified (1120) in the banking processing information.

Thereafter, the terminal outputs a user interface for selecting financial communication target second communication medium information from among the at least one identified second communication medium information (1125), and a predetermined financial transaction target second through the user interface. In operation 1130, the communication medium information is selected.

If the financial transaction target second communication medium information is selected (1135), the terminal switches the operation mode to the banking mode for each communication medium corresponding to the financial transaction target second communication medium information (1140).

Here, the banking mode for each communication medium is a client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short-range wireless communication medium of the financial transaction request information generated by the VoIP complex terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the client terminal 105 located near the VoIP complex terminal 100 through the short range wireless communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a packet exchange method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short distance wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a banking mode for processing financial transactions.

Alternatively, the banking mode for each communication medium may include a banking mode for transmitting the financial transaction request information generated by the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wired communication medium to process the financial transaction. It is preferable to comprise.

Alternatively, the banking mode for each communication medium is a banking mode for processing the financial transaction by transmitting the financial transaction request information generated in the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wireless communication medium. It is preferable to comprise.

Thereafter, the terminal connects a communication channel with an apparatus for processing a financial transaction or a server through the second communication medium information for financial transaction (1145).

Here, it is preferable that the terminal connects the short-range wireless communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wireless communication medium of a packet switched method. Do.

Alternatively, the terminal may connect a short range wireless communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short range wireless communication medium of a direct communication method. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a packet exchange method. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method. Do.

Alternatively, the terminal may connect an optical communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and a client terminal 105 located at a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the financial transaction request information to the platform operation server 120 on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the financial transaction request information to a platform operation server 120 on the communication network through a wireless communication medium.

If a communication channel is connected to the device or server through the second communication medium information for the financial transaction (1150), the terminal outputs a financial transaction interface for each communication medium corresponding to the second communication medium information for the financial transaction. In operation 1155, the financial transaction interface for each communication medium checks whether financial transaction information, financial transaction security information, or card information is input (1160).

If financial transaction information, financial transaction security information, and card information are input through the financial transaction interface for each communication medium (1165), the terminal performs the transaction process shown in FIG.

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

In more detail, FIG. 12 illustrates a card transaction including financial transaction information from a first communication medium among communication media discovered through the communication medium discovery process shown in FIG. 4 in the VoIP composite terminal 100 shown in FIG. In the case of receiving a message, the operation process of processing the financial transaction by automatically checking through a second communication medium corresponding to the financial transaction information, and if the person having ordinary knowledge in the technical field to which the present invention belongs, Although various implementation methods for the process for the selective financial transaction processing according to the communication medium identification may be inferred by referring to and / or modifying the drawing 12, the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG.

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

Referring to FIG. 12, the terminal checks whether a predetermined card transaction message is received from a first communication medium currently connected to the communication medium found through the communication medium searching process shown in FIG.

If a predetermined card transaction message is received from the first communication medium (1205), the terminal reads the received card transaction message and checks whether the financial transaction information for the financial transaction processing is included (1210).

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

If the financial transaction information is not included in the card transaction message (1215), the terminal transmits the financial transaction information, giro payment information, ticket reservation / booking information, and electronic money charging information in addition to the financial transaction information. The process of checking whether it is included is performed (1220).

On the other hand, if the financial transaction information is not included in the card transaction message (1215), the terminal corresponds to the financial transaction information of the banking processing information including the first communication medium information in association with the memory unit 230; The second communication medium information for financial transaction is confirmed (1225).

According to an exemplary embodiment of the present disclosure, the terminal may automatically check a wireless communication medium or a wired communication medium to which the terminal is connected among the communication medium information stored in the memory unit 230 as the second communication medium. .

According to another exemplary embodiment of the present invention, when the financial transaction information includes the financial transaction page URL, the terminal may access the financial transaction page in the vicinity of the terminal from among communication medium information stored in the memory unit 230. Packet-switched short-range wireless communication medium for direct communication with the connected client terminal 105, short-range wireless communication medium for direct communication, short-range wired communication medium for packet-switched method, or short-range wired communication medium for direct communication, or optical It is preferable to automatically check any one of the communication media as the second communication media, and even if the financial transaction page URL is included according to the intention of the person skilled in the art, the wireless communication medium or the wired communication medium to which the terminal is connected The second communication medium may be automatically confirmed.

According to another exemplary embodiment of the present invention, when the financial transaction information includes the financial transaction path code information, the terminal is configured to display the financial transaction path code information among the communication medium information stored in the memory unit 230. A corresponding wireless communication medium, or a wired communication medium, or a packet-switched short-range wireless communication medium, a direct-wired short-range wireless communication medium, a packet-switched short-range wired communication medium, or a direct-communication short-range wired communication medium, or Preferably, any one of optical communication media is automatically identified as the second communication media.

If the financial transaction target second communication medium information corresponding to the financial transaction information is confirmed (1230), the terminal is a device for processing a financial transaction through the financial transaction target second communication medium information, or a communication channel with a server Connect (1235).

Here, it is preferable that the terminal connects the short-range wireless communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wireless communication medium of a packet switched method. Do.

Alternatively, the terminal may connect a short range wireless communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short range wireless communication medium of a direct communication method. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a packet exchange method. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method. Do.

Alternatively, the terminal may connect an optical communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and a client terminal 105 located at a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the financial transaction request information to the platform operation server 120 on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the financial transaction request information to a platform operation server 120 on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the financial communication target second communication medium information (1240), the terminal sets the operation mode to the banking mode for each communication medium corresponding to the financial communication target second communication medium information. Switch to (1240).

Here, the banking mode for each communication medium is a client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short-range wireless communication medium of the financial transaction request information generated by the VoIP complex terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the client terminal 105 located near the VoIP complex terminal 100 through the short range wireless communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a packet exchange method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short distance wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a banking mode for processing financial transactions.

Alternatively, the banking mode for each communication medium may include a banking mode for transmitting the financial transaction request information generated by the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wired communication medium to process the financial transaction. It is preferable to comprise.

Alternatively, the banking mode for each communication medium is a banking mode for processing the financial transaction by transmitting the financial transaction request information generated in the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wireless communication medium. It is preferable to comprise.

Thereafter, the terminal outputs a financial transaction interface for each communication medium corresponding to the second communication medium information for financial transaction (1250), and the financial transaction information, financial transaction security information, and card information through the financial transaction interface for each communication medium. Is entered (1255).

If financial transaction information, financial transaction security information, and card information are input through the financial transaction interface for each communication medium (1260), the terminal performs the transaction process shown in FIG.

13 illustrates a transaction process for selective financial transaction processing according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates at least one of financial transaction information, financial transaction security information, and card information input through the financial transaction processing process shown in FIG. 7 or FIG. 8 in the VoIP composite terminal 100 shown in FIG. Regarding a process of generating financial transaction request information including one or more, and transmitting the same through the second communication medium, those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods for a transaction process for selective financial transaction processing according to the communication medium identification may be inferred, but the present invention includes all the implementation methods inferred, and only with the implementation method shown in FIG. The technical features are not limited.

In the following figure 13, the VoIP composite terminal 100 shown in FIG. 2 is referred to as " terminal "

Referring to FIG. 13, when the financial transaction information, the financial transaction security information, and the card information are input through the financial transaction processing process illustrated in FIG. 11 or FIG. 12, the terminal receives the financial transaction information and the financial transaction security information. And generating financial transaction request information that can be transmitted to the second communication medium corresponding to the connected communication channel in the financial transaction processing process shown in FIG. 11 or 12, including card information (1300).

If the financial transaction request information is generated (1305), the terminal transmits the financial transaction request information through a communication channel corresponding to the second communication medium (1310) and the first communication medium (eg, the terminal). The message including the financial transaction result through a communication medium connected before the financial transaction processing, or a communication medium receiving a card transaction message) or a second communication medium (for example, a communication medium transmitting the financial transaction request information). Check if it is received (1315).

If a message including the financial transaction result is received (1325), the terminal outputs the financial transaction result included in the received message on the screen (1330).

FIG. 14 is a diagram illustrating an operation process of the VoIP composite terminal 100 for branch payment processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 14 illustrates a method of selecting a Giro payment menu in the VoIP composite terminal 100 shown in FIG. 2, through a predetermined communication medium among the communication media searched through the communication medium searching process shown in FIG. As for the operation process of processing the payment by Giro, if one of ordinary skill in the art to which the present invention pertains, refer to and / or modify this drawing 14 to make selective payment (or financial transaction) according to the communication medium identification. It will be possible to infer various implementation methods for the process for giro payment processing through, but the present invention includes all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. No.

In the following figure 14, the VoIP composite terminal 100 shown in FIG. 2 is referred to as " terminal "

Referring to FIG. 14, the terminal outputs a plurality of menus including at least one of the payment menu, banking menu, giro payment menu, ticket reservation / advance menu, and electronic money charging menu, and inputs a key provided in the terminal. In operation 1400, it is checked whether a payment menu is selected among the plurality of menus through the means.

If the Jiro payment menu is selected (1405), the terminal checks the first communication medium currently connected to the communication (1410), and the communication medium for each communication medium including the first communication medium information in association with the memory unit 230. Checking the processing information (1415), and at least one second communication medium information associated with the first communication medium information from the processing information (1420).

Subsequently, the terminal outputs a user interface for selecting the second communication medium information to be paid to the giro payment among the at least one or more pieces of the second communication medium information (1425), and through the user interface, a predetermined target to be paid to the second payment medium. Check whether the communication medium information is selected (1430).

If the second communication medium information to be paid for giro is selected (1435), the terminal switches to the operation mode for each communication medium corresponding to the second communication medium information to be paid to Giro (1440).

Here, the communication mode for each communication medium is a client terminal 105 which is located near the VoIP composite terminal 100 via the short-range wireless communication medium of the GIP payment request information generated in the VoIP composite terminal 100. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, in the Giro mode for each communication medium, the client terminal 105 located near the VoIP composite terminal 100 through the short range wireless communication medium of the Giro payment request information generated in the VoIP composite terminal 100 is a direct communication method. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the communication mode for each medium is a client terminal 105 which is located near the VoIP composite terminal 100 via a short-range wired communication medium in which the giro payment request information generated in the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the communication medium-specific Giro mode is a client terminal 105 located at a short distance with the VoIP composite terminal 100 via the short-range wired communication medium of the Giro payment request information generated in the VoIP composite terminal 100. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, in each of the telecommunication medium media mode, the Giga payment request information generated by the VoIP complex terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP complex terminal 100 through an optical communication medium. It is preferable to include the giro mode which processes a giro payment.

Alternatively, the Jiro mode for each communication medium transmits the Jiro payment request information generated by the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wired communication medium to process the Jiro payment. It is preferable to comprise.

Alternatively, the Jiro mode for each communication medium transmits the Jiro payment request information generated in the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wireless communication medium to process the Jiro payment. It is preferable to comprise.

Thereafter, the terminal connects a communication channel with an apparatus for processing a giro payment, or a server through the information on the giro payment target second communication medium (1445).

Here, it is preferable that the terminal connects the short-range wireless communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wireless communication medium of a packet switched method. Do.

Alternatively, the terminal connects the short range wireless communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short range wireless communication medium of a direct communication method. desirable.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a packet exchange method. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method. Do.

Alternatively, the terminal may connect an optical communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and a client terminal 105 located at a short distance through an optical communication medium.

Alternatively, the terminal may connect the wide area communication channel for transmitting the branch payment request information to the platform operation server 120 on the communication network through a wired communication medium.

Or, it is preferable that the terminal connects the wide area communication channel for transmitting the branch payment request information to the platform operation server 120 on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the information on the second payment medium, the terminal outputs the information on the payment interface for each communication medium corresponding to the information on the second communication medium. In operation 1460, the controller determines whether the payment information, the payment security information, and the card information are input through the payment interface for each communication medium (1460).

If Giro payment information, Giro payment security information, and card information are input through the Giro payment interface for each communication medium (1465), the terminal performs the transaction process shown in FIG.

FIG. 15 is a diagram illustrating an operation process of the VoIP composite terminal 100 for branch payment processing through selective payment (or financial transaction) according to a communication medium identification according to another embodiment of the present invention.

In more detail, FIG. 15 illustrates a card transaction including payment information from a first communication medium among communication media discovered through the communication medium discovery process shown in FIG. 5 in the VoIP composite terminal 100 shown in FIG. In the case of receiving a message, the operation process of automatically checking through the second communication medium corresponding to the giro payment information to process the giro payment, if one of ordinary skill in the art to which the present invention belongs, 15 and / or modified to infer various implementation methods for the process for the process of payment of giro through the selective payment (or financial transaction) in accordance with the communication medium identification, but the present invention is inferred It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

In the following Figure 15, the VoIP composite terminal 100 shown in Figure 2 is referred to as "terminal" for convenience.

Referring to FIG. 15, the terminal checks whether a predetermined card transaction message is received from a first communication medium currently connected to a communication medium found through the communication medium searching process shown in FIG.

If a predetermined card transaction message is received from the first communication medium (1505), the terminal reads the received card transaction message and checks whether the payment information for giro payment is included (1510).

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

If the card transaction message does not include the giro payment information (1515), the terminal transmits the giro payment information, the giro payment information, the ticket reservation / booking information, and the electronic money charging information in addition to the giro payment information in the card transaction message. The process of checking whether it is included is performed (1520).

On the contrary, if the card transaction message does not include the giro payment information (1515), the terminal corresponds to the giro payment information among the giro processing information including the first communication medium information in association with the memory unit 230. The second communication medium information to which the giro payment is to be confirmed is checked (1525).

According to an exemplary embodiment of the present disclosure, the terminal may automatically check a wireless communication medium or a wired communication medium to which the terminal is connected among the communication medium information stored in the memory unit 230 as the second communication medium. .

According to another exemplary embodiment of the present invention, when the giro payment page includes the giro payment page URL, the terminal is located in the giro payment page near the terminal among the communication medium information stored in the memory unit 230. A packet switched short-range wireless communication medium for direct communication with a connected client terminal 105, a short-range wireless communication medium for a direct communication method, a short-range wired communication medium for a packet-switched method, or a short-range wired communication medium for a direct communication method, or It is preferable to automatically check any one of optical communication media as the second communication media, and according to the intention of a person skilled in the art, even if the page payment page URL is included, the wireless communication medium or the wired communication medium to which the terminal is connected. May be automatically confirmed by the second communication medium.

According to another exemplary embodiment of the present invention, when the giro payment path information is included in the giro payment information, the terminal may display the giro payment path code information among the communication medium information stored in the memory unit 230. A corresponding wireless communication medium, or a wired communication medium, or a packet-switched short-range wireless communication medium, a direct-wired short-range wireless communication medium, a packet-switched short-range wired communication medium, or a direct-communication short-range wired communication medium, or Preferably, any one of optical communication media is automatically identified as the second communication media.

If the information on the second payment medium corresponding to the payment to the giro is confirmed (1530), the terminal is configured to process the payment through the information on the second communication medium to be paid, or a communication channel with a server. (1535).

Here, it is preferable that the terminal connects the short-range wireless communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wireless communication medium of a packet switched method. Do.

Alternatively, the terminal may connect a short range wireless communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short range wireless communication medium of a direct communication method. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a packet exchange method. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method. Do.

Alternatively, the terminal may connect an optical communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and a client terminal 105 located at a short distance through an optical communication medium.

Or, it is preferable that the terminal connects the wide area communication channel for transmitting the branch payment request information to the platform operating server 120 on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the branch payment request information to a platform operation server 120 on the communication network through a wireless communication medium.

If the communication channel is connected to the apparatus or the server through the information on the target to be paid to the giro (1540), the terminal determines the operation mode according to the communication medium corresponding to the information to the second to the target to be paid by the media. Switch to (1540).

Here, the communication mode for each communication medium is a client terminal 105 which is located near the VoIP composite terminal 100 via the short-range wireless communication medium of the GIP payment request information generated in the VoIP composite terminal 100. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, in the Giro mode for each communication medium, the client terminal 105 located near the VoIP composite terminal 100 through the short range wireless communication medium of the Giro payment request information generated in the VoIP composite terminal 100 is a direct communication method. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the communication mode for each medium is a client terminal 105 which is located near the VoIP composite terminal 100 via a short-range wired communication medium in which the giro payment request information generated in the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the communication medium-specific Giro mode is a client terminal 105 located at a short distance with the VoIP composite terminal 100 via the short-range wired communication medium of the Giro payment request information generated in the VoIP composite terminal 100. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, in each of the telecommunication medium media mode, the Giga payment request information generated by the VoIP complex terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP complex terminal 100 through an optical communication medium. It is preferable to include the giro mode which processes a giro payment.

Alternatively, the Jiro mode for each communication medium transmits the Jiro payment request information generated by the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wired communication medium to process the Jiro payment. It is preferable to comprise.

Alternatively, the Jiro mode for each communication medium transmits the Jiro payment request information generated in the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wireless communication medium to process the Jiro payment. It is preferable to comprise.

Subsequently, the terminal outputs a Giro payment interface for each communication medium corresponding to the information on the Giro payment target second communication medium (1550), and provides Giro payment information, Giro payment security information, and card information through the Giro payment interface for each communication medium. Verify that is entered (1555).

If Giro payment information, Giro payment security information, and card information are input through the Giro payment interface for each communication medium (1560), the terminal performs the transaction process shown in FIG.

FIG. 16 is a diagram illustrating a transaction process for processing giro payment through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 16 shows the giro payment information, the giro payment security information, and the card information input through the giro payment process shown in FIG. 7 or FIG. 8 in the VoIP composite terminal 100 shown in FIG. The present invention relates to a process of generating giro payment request information including at least one or more information, and transmitting the same through the second communication medium. By using the selective payment (or financial transaction) according to the communication medium can be inferred various implementation methods for the transaction process for the payment process of giro, but the present invention includes all the implementation methods inferred However, the technical features are not limited only to the implementation method illustrated in FIG.

In the following figure 16, the VoIP composite terminal 100 shown in FIG. 2 is referred to as " terminal "

Referring to FIG. 16, when the terminal payment information, the payment information and the card information are input through the payment processing process illustrated in FIG. 14 or FIG. 15, the terminal receives payment information and payment information. And generating payment request information that can be transmitted to the second communication medium corresponding to the connected communication channel in the process of payment payment illustrated in FIG. 14 or 15 (1600).

If the branch payment request information is generated (1605), the terminal transmits the branch payment request information through a communication channel corresponding to the second communication medium (1610) and the first communication medium (eg, the terminal). The message including the result of the payment by Giro through the connected communication medium, or the communication medium receiving the card transaction message or the second communication medium (for example, the communication medium transmitting the payment request information) before the payment by Giro Check if it is received (1615).

If a message including the Jiro payment result is received (1625), the terminal outputs the Jiro payment result included in the received message on the screen (1630).

FIG. 17 is a view illustrating an operation process of the VoIP composite terminal 100 for ticket reservation / booking processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 17 shows a predetermined communication medium among the communication media discovered through the communication medium search process shown in FIG. 6 when the ticket reservation / reservation menu is selected in the VoIP composite terminal 100 shown in FIG. The operation of processing the ticket reservation / reservation through, and those of ordinary skill in the art to which the present invention pertains, referring to and / or modifying the Figure 17 and the selective payment according to the communication medium identification ( Or it may be able to infer various implementation methods for the process for ticket reservation / booking process through a financial transaction), but the present invention includes all the implementation methods inferred above, only by the implementation method shown in FIG. The technical features are not limited.

Hereinafter, in FIG. 17, the VoIP composite terminal 100 shown in FIG. 2 is referred to as "terminal" for convenience.

Referring to FIG. 17, the terminal outputs a plurality of menus including at least one of the payment menu, banking menu, giro payment menu, ticket reservation / advance menu, and electronic money charging menu, and inputs a key provided in the terminal. Through means, it is checked whether a ticket reservation / advance menu is selected from the plurality of menus (1700).

If the ticket reservation / reservation menu is selected (1705), the terminal checks the first communication medium currently connected to the communication (1710), the communication including the first communication medium information in association with the memory unit 230 The ticket processing information for each medium is checked (1715), and at least one or more second communication media information associated with the first communication medium information is identified (1720) in the ticket processing information.

Thereafter, the terminal outputs a user interface for selecting ticket reservation / reservation target second communication medium information from among the at least one or more pieces of confirmed second communication medium information (1725), and predetermined ticket reservation / In operation 1730, it is checked whether information on the second communication medium to be reserved is selected.

If the ticket reservation / reservation target second communication medium information is selected (1735), the terminal switches the operation mode to a ticket mode for each communication medium corresponding to the ticket reservation / reservation target second communication medium information (1740). .

Here, the ticket mode for each communication medium is a client terminal located near the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for ticket reservation / reservation request information generated by the VoIP complex terminal 100. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium is a client terminal which is located in close proximity to the VoIP composite terminal 100 through the short-range wireless communication medium of the ticket reservation / reservation request information generated by the VoIP composite terminal 100 through a direct communication method. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium may be a client terminal located near the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for ticket reservation / reservation request information generated by the VoIP complex terminal 100. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium may be a client terminal located at a short distance from the VoIP compound terminal 100 through a short distance wired communication medium of the ticket reservation / reservation request information generated by the VoIP compound terminal 100. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a ticket mode for processing the ticket reservation / reservation.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wired communication medium to process the ticket reservation / reservation. It is preferable that a ticket mode is included.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wireless communication medium to process the ticket reservation / reservation. It is preferable that a ticket mode is included.

Thereafter, the terminal connects a communication channel with an apparatus for processing a ticket reservation / reservation or a server through the ticket communication / reservation target second communication medium information (1745).

Here, the terminal connects a short range wireless communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short range wireless communication medium of a packet switched method. It is preferable.

Alternatively, the terminal connects the short range wireless communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short range wireless communication medium of a direct communication method. It is preferable.

Alternatively, the terminal connects the short-range wired communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and the client terminal 105 located in the short-range through a short-range wired communication medium of a packet exchange method. It is preferable.

Alternatively, the terminal connects a short-range wired communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method. It is preferable.

Alternatively, the terminal may connect an optical communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a platform operation server 120 on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a platform operation server 120 on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the ticket reservation / reservation target second communication medium information (1750), the terminal is a ticket for each communication medium corresponding to the ticket reservation / reservation target second communication medium information The reservation / reservation interface is output (1755), and the ticket reservation / reservation information, ticket reservation / reservation security information, and card information are input through the ticket reservation / reservation interface for each communication medium (1760).

If the ticket reservation / reservation information, ticket reservation / reservation security information, card information is input through the ticket reservation / reservation interface for each communication medium (1765), the terminal performs the transaction process shown in FIG.

FIG. 18 is a flowchart illustrating an operation of the VoIP composite terminal 100 for ticket reservation / reservation processing through selective payment (or financial transaction) according to communication medium identification according to another embodiment of the present invention.

In more detail, FIG. 18 includes ticket reservation / advance information from a first communication medium among communication media discovered through the communication medium discovery process shown in FIG. 6 in the VoIP composite terminal 100 shown in FIG. Receiving a card transaction message, the operation process for processing the ticket reservation / reservation by automatically checking through a second communication medium corresponding to the ticket reservation / reservation information, the general knowledge in the art If you have the same, it will be possible to infer various implementation methods for the process of ticket reservation / booking process through the selective payment (or financial transaction) according to the communication medium identification by referring to and / or modifying this figure 18. The present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG. .

In the following figure 18, the VoIP composite terminal 100 shown in FIG. 2 is referred to as " terminal "

Referring to FIG. 18, the terminal checks whether a predetermined card transaction message is received from a first communication medium currently connected to a communication medium found through the communication medium searching process shown in FIG. 6 (1800).

If a predetermined card transaction message is received from the first communication medium (1805), the terminal reads the received card transaction message and checks whether ticket reservation / advance information for the ticket reservation / advance processing is included. (1810).

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

If the ticket transaction / reservation information is not included in the card transaction message (1815), the terminal in addition to the ticket reservation / reservation information, ticket reservation / reservation information, ticket reservation / reservation information, ticket reservation / In operation 1820, a process of checking whether the reservation information and the electronic money charging information is included is performed.

On the other hand, if the ticket reservation / reservation information is not included in the card transaction message (1815), the terminal in connection with the memory unit 230, the ticket reservation / reservation of the ticket processing information including the first communication medium information In operation 1825, the ticket reservation / reservation target second communication medium information corresponding to the information is confirmed.

According to an exemplary embodiment of the present disclosure, the terminal may automatically check a wireless communication medium or a wired communication medium to which the terminal is connected among the communication medium information stored in the memory unit 230 as the second communication medium. .

According to another exemplary embodiment of the present invention, when the ticket reservation / advance information includes the ticket reservation / advance page URL, the terminal is located near the terminal from among communication medium information stored in the memory unit 230. Short-range wireless communication medium of the packet-switched method, short-range wireless communication medium of the direct communication method, short-range wireless communication medium of the packet-switching method, or direct communication method of the communication connection with the client terminal 105 connected to the ticket reservation / booking page It is preferable to automatically check any one of a wired communication medium or an optical communication medium as the second communication medium, and wirelessly connected to the terminal even when the ticket reservation / advance page URL is included according to the intention of a person skilled in the art. The communication medium or the wired communication medium may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the ticket reservation / reservation information includes the ticket reservation / reservation path code information, the terminal reserves the ticket among communication medium information stored in the memory unit 230. Wireless communication medium or wired communication medium corresponding to the reservation path code information, or a short-range wireless communication medium of a packet-switched method, a short-range wireless communication medium of a direct communication method, a short-range wireless communication medium of a packet-switched method, or a direct communication method. It is preferable that the communication medium of any one of the short-range wired communication medium or the optical communication medium of the automatic communication with the second communication medium.

If ticket reservation / reservation target second communication medium information corresponding to the ticket reservation / reservation information is confirmed (1830), the terminal processes the ticket reservation / reservation through the second communication medium information for ticket reservation / reservation target. The communication channel is connected to the device for communication with the server (1835).

Here, the terminal connects a short range wireless communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short range wireless communication medium of a packet switched method. It is preferable.

Alternatively, the terminal connects the short range wireless communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short range wireless communication medium of a direct communication method. It is preferable.

Alternatively, the terminal connects the short-range wired communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and the client terminal 105 located in the short-range through a short-range wired communication medium of a packet exchange method. It is preferable.

Alternatively, the terminal connects a short-range wired communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method. It is preferable.

Alternatively, the terminal may connect an optical communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a platform operation server 120 on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a platform operation server 120 on the communication network through a wireless communication medium.

If a communication channel is connected to the device or the server through the ticket reservation / reservation target second communication medium information (1840), the terminal sets an operation mode to correspond to the ticket communication / reservation target second communication medium information. Switch to the ticket mode for each medium (1840).

Here, the ticket mode for each communication medium is a client terminal located near the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for ticket reservation / reservation request information generated by the VoIP complex terminal 100. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium is a client terminal which is located in close proximity to the VoIP composite terminal 100 through the short-range wireless communication medium of the ticket reservation / reservation request information generated by the VoIP composite terminal 100 through a direct communication method. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium may be a client terminal located near the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for ticket reservation / reservation request information generated by the VoIP complex terminal 100. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium may be a client terminal located at a short distance from the VoIP compound terminal 100 through a short distance wired communication medium of the ticket reservation / reservation request information generated by the VoIP compound terminal 100. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a ticket mode for processing the ticket reservation / reservation.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wired communication medium to process the ticket reservation / reservation. It is preferable that a ticket mode is included.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wireless communication medium to process the ticket reservation / reservation. It is preferable that a ticket mode is included.

Thereafter, the terminal outputs a ticket reservation / reservation interface for each communication medium corresponding to the ticket communication / reservation target second communication medium information (1850), and ticket reservation / reservation information through the ticket reservation / reservation interface for each communication medium. In operation 1855, the ticket reservation / reservation security information and the card information are input.

If the ticket reservation / reservation information, ticket reservation / reservation security information, card information is input through the ticket reservation / booking interface for each communication medium (1860), the terminal performs the transaction process shown in FIG.

19 is a diagram illustrating a transaction process for ticket reservation / booking processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 19 shows the ticket reservation / reservation information and ticket reservation / reservation security input through the ticket reservation / reservation process shown in FIG. 7 or FIG. 8 in the VoIP composite terminal 100 shown in FIG. The present invention relates to a process of generating ticket reservation / reservation request information including at least one information and card information and transmitting the same through at least one of the second communication media. 19 and / or modified to infer various implementation methods for the transaction process for ticket reservation / advance processing through selective payment (or financial transaction) according to the communication medium identification, but the present invention infers the above It is made to include all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

In the following figure 19, the VoIP composite terminal 100 shown in FIG. 2 will be referred to as " terminal "

Referring to FIG. 19, when the terminal receives ticket reservation / reservation information, ticket reservation / reservation security information, and card information through the ticket reservation / reservation processing shown in FIG. 17 or FIG. 18, the input ticket reservation is performed. Ticket reservation / reservation request that can be transmitted to the second communication medium corresponding to the connected communication channel in the ticket reservation / reservation process shown in FIG. 17 or FIG. 18, including reservation information, ticket reservation, reservation security information, and card information. Generate information (1900).

If the ticket reservation / reservation request information is generated (1905), the terminal transmits the ticket reservation / reservation request information through a communication channel corresponding to the second communication medium (1910), the first communication medium ( For example, the communication medium connected before the ticket reservation / reservation processing through the terminal, or a communication medium receiving a card transaction message) or a second communication medium (for example, the communication medium transmitting the ticket reservation / reservation request information). It is checked whether a message including a ticket reservation / advancing result is received (1915).

If a message including the ticket reservation / booking result is received (1925), the terminal outputs the ticket reservation / booking result included in the received message on a screen (1930).

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

In more detail, FIG. 20 illustrates a case in which the electronic money charging menu is selected in the VoIP composite terminal 100 shown in FIG. 2, through a predetermined communication medium among the communication media discovered through the communication medium searching process shown in FIG. Regarding the operation process of processing the electronic money charging, those of ordinary skill in the art to which the present invention pertains, with reference to and / or modifying this figure 20, selective payment (or finance) according to the communication medium identification It will be possible to infer various implementation methods for the process for charging electronic money through the transaction), but the present invention includes all the implementation methods inferred above, the technical features only by the implementation method shown in FIG. This is not limited.

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

Referring to FIG. 20, the terminal outputs a plurality of menus including at least one of the payment menu, banking menu, giro payment menu, ticket reservation / advance menu, and electronic money charging menu, and inputs a key provided in the terminal. In operation 2000, the electronic money charging menu is selected from the plurality of menus.

If the electronic money charging menu is selected (2005), the terminal checks the first communication medium currently connected to the communication (2010), the communication medium including the first communication medium information in association with the memory unit 230 Check the charging processing information for each star (2015), and at least one or more second communication media information associated with the first communication medium information from the charging processing information (2020).

Thereafter, the terminal outputs a user interface for selecting the electronic communication charging target second communication medium information from among the at least one identified second communication media information (2025), and the predetermined electronic money charging target through the user interface. In operation 2030, the second communication medium information is selected.

If the second communication medium information for charging the electronic money is selected (2035), the terminal switches to the charging mode for each communication medium corresponding to the second communication medium information for charging the electronic money (2040).

Here, the charging mode for each communication medium may include a client terminal located near the VoIP complex terminal 100 through a packet-switched short-range wireless communication medium for electronic money charging request information generated by the VoIP complex terminal 100 ( And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, the charging mode for each communication medium may include a client terminal located at a short distance from the VoIP composite terminal 100 through the short-range wireless communication medium of the electronic money charging request information generated by the VoIP composite terminal 100 ( And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, the charging mode for each communication medium may include a client terminal located at a short distance from the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for electronic money charging request information generated by the VoIP complex terminal 100 ( And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, the charging mode for each communication medium may include a client terminal located at a short distance from the VoIP composite terminal 100 through the short-range wired communication medium of the electronic money charging request information generated by the VoIP composite terminal 100 (direct communication method). And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a charging mode for processing the electronic money charging.

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to the platform operation server 120 on the communication network through a wired communication medium to process the charging of the electronic money. It is preferable to include a mode.

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to a platform operation server 120 on the communication network through a wireless communication medium to process the charging of the electronic money. It is preferable to include a mode.

Thereafter, the terminal connects a communication channel with an apparatus for processing electronic money charging or a server through the second communication medium information for charging electronic money (2045).

Here, the terminal connects the short-range wireless communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and the client terminal 105 located in the short-range via a packet-switched short-range wireless communication medium. desirable.

Alternatively, the terminal connects the short-range wireless communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wireless communication medium of a direct communication method. desirable.

Alternatively, the terminal connects the short-range wired communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and the client terminal 105 located in the short-range via a packet-switched short-range wired communication medium. desirable.

Alternatively, the terminal connects the short-range wired communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and the client terminal 105 located in the short-range through a short-range wired communication medium of the direct communication method. desirable.

Alternatively, the terminal may connect an optical communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and a client terminal 105 located at a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the electronic money charging request information to the platform operation server 120 on the communication network through a wired communication medium.

Or, it is preferable that the terminal connects the wide area communication channel for transmitting the electronic money charging request information to the platform operating server 120 on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the information on the second communication medium for charging the electronic money (2050), the terminal charges the electronic money for each communication medium corresponding to the information on the second communication medium for charging the electronic money. An interface is output (2055), and the electronic money charging information, the electronic money charging security information, and the card information are input through the electronic money charging interface for each communication medium (2060).

If electronic money charging information, electronic money charging security information, and card information are input through the electronic money charging interface for each communication medium (2065), the terminal performs the transaction process shown in FIG.

FIG. 21 is a view illustrating an operation process of the VoIP composite terminal 100 for electronic money charging processing through selective payment (or financial transaction) according to communication medium identification according to another embodiment of the present invention.

In more detail, FIG. 21 illustrates a card including electronic money charging information from a first communication medium among communication media discovered through the communication medium discovery process shown in FIG. 7 in the VoIP composite terminal 100 shown in FIG. When the transaction message is received, an operation process for automatically checking through the second communication medium corresponding to the electronic money charging information to process the electronic money charging, a person of ordinary skill in the art to which the present invention belongs In this regard, various embodiments of the present invention may be inferred by referring to and / or modifying the drawing 21 and the process for the electronic money charging process through the selective payment (or financial transaction) according to the communication medium identification. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

In the following figure 21, the VoIP composite terminal 100 shown in FIG. 2 will be referred to as " terminal "

Referring to FIG. 21, the terminal checks whether a predetermined card transaction message is received from a first communication medium currently connected to a communication medium found through the communication medium searching process shown in FIG. 7 (2100).

If a predetermined card transaction message is received from the first communication medium (2105), the terminal reads the received card transaction message and checks whether the electronic money charging information for the electronic money charging process is included (2110). ).

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

If the electronic card charging information is not included in the card transaction message (2115), the terminal exchanges the electronic money charging information, electronic money charging information, electronic money charging information, electronic money in addition to the electronic money charging information in the card transaction message. The process of checking whether the charging information is included is performed (2120).

On the other hand, if the electronic money charging information is not included in the card transaction message (2115), the terminal is linked to the electronic money charging information of the charging processing information including the first communication medium information in association with the memory unit 230. In operation 2125, the corresponding electronic money charging target second communication medium information is checked.

According to an exemplary embodiment of the present disclosure, the terminal may automatically check a wireless communication medium or a wired communication medium to which the terminal is connected among the communication medium information stored in the memory unit 230 as the second communication medium. .

According to another exemplary embodiment of the present disclosure, when the electronic money charging information includes the electronic money charging page URL, the terminal may be configured to store the electronic information in the vicinity of the terminal among communication medium information stored in the memory unit 230. Short-range wireless communication medium of the packet-switched method, short-range wireless communication medium of the direct communication method, short-range wireless communication medium of the packet-switching method, or short-range wired communication of the direct communication method to communicate with the client terminal 105 connected to the money charging page It is preferable to automatically identify a communication medium of any one of a medium and an optical communication medium as the second communication medium, and a wireless communication medium to which the terminal is connected even when the electronic money charging page URL is included according to the intention of a person skilled in the art. Alternatively, the wired communication medium may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present disclosure, when the electronic money charging information includes the electronic money charging path code information, the terminal may include the electronic money charging path among communication medium information stored in the memory unit 230. A wireless communication medium corresponding to code information, or a wired communication medium, or a short-range wireless communication medium in a packet-switched manner, a short-range wireless communication medium in a direct-communication manner, a short-range wireless communication medium in a packet-switched manner, or a short-range wired communication in a direct communication manner. Preferably, the communication medium of any one of a medium and an optical communication medium is automatically identified as the second communication medium.

If the electronic currency charging target second communication medium information corresponding to the electronic money charging information is confirmed (2130), the terminal is a device for processing the electronic money charging through the electronic currency charging target second communication medium information, or Connect the communication channel with the server (2135).

Here, the terminal connects the short-range wireless communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and the client terminal 105 located in the short-range via a packet-switched short-range wireless communication medium. desirable.

Alternatively, the terminal connects the short-range wireless communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wireless communication medium of a direct communication method. desirable.

Alternatively, the terminal connects the short-range wired communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and the client terminal 105 located in the short-range via a packet-switched short-range wired communication medium. desirable.

Alternatively, the terminal connects the short-range wired communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and the client terminal 105 located in the short-range through a short-range wired communication medium of the direct communication method. desirable.

Or, it is preferable that the terminal connects the optical communication channel for transmitting the electronic money charging request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the electronic money charging request information to the platform operation server 120 on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the electronic money charging request information to the platform operation server 120 on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the information on the second communication medium to be charged with the electronic money (2140), the terminal sets an operation mode for each communication medium corresponding to the information on the second communication medium to be charged with the electronic money. Switch to the charging mode (2140).

Here, the charging mode for each communication medium may include a client terminal located near the VoIP complex terminal 100 through a packet-switched short-range wireless communication medium for electronic money charging request information generated by the VoIP complex terminal 100 ( And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, the charging mode for each communication medium may include a client terminal located at a short distance from the VoIP composite terminal 100 through the short-range wireless communication medium of the electronic money charging request information generated by the VoIP composite terminal 100 ( And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, the charging mode for each communication medium may include a client terminal located at a short distance from the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for electronic money charging request information generated by the VoIP complex terminal 100 ( And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, the charging mode for each communication medium may include a client terminal located at a short distance from the VoIP composite terminal 100 through the short-range wired communication medium of the electronic money charging request information generated by the VoIP composite terminal 100 (direct communication method). And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a charging mode for processing the electronic money charging.

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to the platform operation server 120 on the communication network through a wired communication medium to process the charging of the electronic money. It is preferable to include a mode.

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to a platform operation server 120 on the communication network through a wireless communication medium to process the charging of the electronic money. It is preferable to include a mode.

Thereafter, the terminal outputs an electronic money charging interface for each communication medium corresponding to the second communication medium information for charging the electronic money (2150), and charges electronic money and electronic money through the electronic money charging interface for each communication medium. It is checked whether security information or card information is input (2155).

If electronic money charging information, electronic money charging security information, and card information are input through the electronic money charging interface for each communication medium (2160), the terminal performs the transaction process shown in FIG.

22 is a diagram illustrating a transaction process for electronic money charging processing through selective payment (or financial transaction) according to the communication medium identification according to the embodiment of the present invention.

In more detail, FIG. 22 shows the electronic money charging information, the electronic money charging security information, and the card inputted through the electronic money charging process shown in FIG. 7 or FIG. 8 in the VoIP composite terminal 100 shown in FIG. The present invention relates to a process of generating electronic money charging request information including at least one information and transmitting the same through the second communication medium. Those skilled in the art may refer to FIG. 22. And / or may be modified to infer various implementation methods for a transaction process for electronic money recharge processing through selective payment (or financial transaction) according to the communication medium identification, but the present invention may infer all implementation methods inferred from the above. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

In the following Figure 22, the VoIP composite terminal 100 shown in Figure 2 is referred to as "terminal" for convenience.

Referring to FIG. 22, when the electronic money charging information, the electronic money charging security information, and the card information are input through the electronic money charging process illustrated in FIG. 20 or FIG. 21, the terminal receives the electronic money charging information. The electronic money charging request information including the electronic money charging security information and the card information is generated in the process of processing the electronic money charging shown in FIG. 20 or 21 and transmitted to the second communication medium corresponding to the connected communication channel (2200). .

If the electronic money charging request information is generated (2205), the terminal transmits the electronic money charging request information through a communication channel corresponding to the second communication medium (2210), the first communication medium (for example, The result of charging the electronic money through a communication medium connected before the electronic money charging process through the terminal or a communication medium receiving a card transaction message) or a second communication medium (for example, a communication medium transmitting the electronic money charging request information). In operation 2215, a message including a message is received.

If a message including the electronic money charging result is received (2225), the terminal outputs the electronic money charging result included in the received message on the screen (2230).

FIG. 23 is a diagram showing the configuration of an online ticket reservation / reservation system using the VoIP composite terminal 100 having a selective payment (or financial transaction) function according to a communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 23 illustrates a method of purchasing at least one ticket by accessing an internet reservation / booking server 110 from a client terminal 105 provided at a home, a store, an office, and the like, and paying at least one ticket purchase amount. When the online payment for the corresponding payment amount is selected, if the VoIP payment means using the VoIP composite terminal 100 having the selective payment (or financial transaction) function according to the communication medium identification shown in Figure 2 is selected, the VoIP Based on card information (eg, credit card information or check card information) read through a card reader provided in the VoIP terminal 100 located at a short distance from the client terminal 105 according to a payment method selection As a system configuration for processing a card payment for a payment amount, those skilled in the art to which the present invention belongs, this figure 23 By referring to and / or modifying, various implementation methods for the online ticket reservation / reservation system using the VoIP complex terminal 100 having the selective payment (or financial transaction) function according to the communication medium identification may be inferred. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 23, an online ticket reservation / reservation system using a VoIP composite terminal 100 having a selective payment (or financial transaction) function according to the communication medium identification is provided in a client terminal provided in a home, a store, an office, or the like. A client system including a 105 and a VoIP complex terminal 100 and various communication devices, an internet reservation / reservation server 110 and a payment agent server 115 connected to the client terminal 105 through an IP communication network; An online card payment system including a van server 125 and a card company server 130, and a VoIP system including a VoIP gateway 135 and a gatekeeper 140 connected to the VoIP composite terminal 100 through an IP communication network. And a VoIP composite terminal 100 on the client system, a payment server 115 and a van server 125 on the online card payment system, and VoIP. It is characterized in that it comprises a platform operating server 120 for providing a platform for processing the online ticket reservation / booking service using the VoIP composite terminal 100 in conjunction with the gatekeeper 140 on the system.

The client system constituting the online ticket reservation / booking system using the VoIP composite terminal 100 is connected to an IP communication network through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium. A client terminal having a short range wireless communication means, a short range wireless communication means of a direct communication method, a short distance wireless communication means of a packet switching method, a short distance wireless communication means of a direct communication method, and a short range communication means including at least one optical communication means ( 105) and a voice communication function by connecting to a VoIP server on an IP communication network through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium. Short-range wireless communication means, packet-switched short-range wired communication means, direct communication room Short-range wireless communication means having a short-range wired communication means, a short-range communication means including at least one optical communication means and a short-range wireless communication of the packet exchange method between the client terminal 105 and the VoIP complex terminal 100 A wireless AP (or wireless IP router) that provides a medium and connects the client terminal 105 and the VoIP composite terminal 100 to an IP communication network, or exchanges packets between the client terminal 105 and the VoIP composite terminal 100. A hub (or an IP router) for providing a short-range wired communication medium, and at least one communication modem for connecting the client terminal 105 and the VoIP composite terminal 100 to an IP communication network. .

The client terminal 105 is characterized in that it comprises a terminal device having an IP communication network connection function, such as a personal computer, a laptop, etc. provided in homes, stores, offices, etc., the wide area communication medium connected to the IP communication network is And at least one wireless communication medium using a wireless AP (or wireless IP router), or a wired communication medium using a hub (or IP router) and a communication modem.

According to an embodiment of the present invention, the client terminal 105 is preferably provided with a browser program for accessing the Internet reservation / booking server 110 through the IP communication network to visit an online ticket store.

In addition, the client terminal 105 is a short-range wireless communication means of the packet-switching method, a short-range wireless communication means of the direct communication method, a short-range wired communication means of the packet switching method for connecting the VoIP composite terminal 100 and the short-range communication channel And at least one short range communication means including at least one short range communication means of a direct communication method and at least one optical communication means.

The short-range wireless communication means of the packet-switched method connects the VoIP composite terminal 100 and the short-range wireless communication channel through a packet-switched short-range wireless communication medium. And a short distance communication channel between the client terminal 105 and a wireless access point (or wireless IP router) located at a short distance through wireless, and the wireless AP (or wireless IP router) through the wireless AP (or wireless IP router). Or at least one device (or server) located at a short distance from a wireless IP sharer) to wirelessly connect a short range communication channel, wherein the short range wireless communication medium is Bluetooth (BlueTooth) compliant with the IEEE 802.11.x standard. Preferably, at least one of Wi-Fi, Ultra Wide Band system (UWB), and the like, the short-range wireless communication medium Acids is possible to replace it with another communication medium in accordance with the intentions of those of ordinary skill in the art (or more), and to which the present invention is not limited.

Alternatively, the short range wireless communication means of the direct communication method may connect the VoIP composite terminal 100 and the short range wireless communication channel through a short range wireless communication medium of the direct communication method, and the short range wireless communication of the direct communication method. The medium is a communication medium for directly connecting a short-range communication channel to the client terminal 105 and a device (or server) located in a short distance through a wireless network, and the short-range wireless communication medium supports a radio frequency (RF) radio frequency. It is preferable to include at least one communication, Bluetooth, Wi-Fi, UWB, and the short-range wireless communication medium type can be replaced (or added) with another communication medium according to the intention of those skilled in the art, whereby the present invention It is not limited.

Alternatively, the packet-switched short-range wired communication means connects the VoIP composite terminal 100 and the short-range wired communication channel through a packet-switched short-range wired communication medium, and the packet-switched short-range wired communication. The medium may connect a short distance communication channel to a hub (or an IP router or a communication modem) located at a short distance from the client terminal 105 through a wire, and connect the hub (or an IP router or a communication modem) to the hub (or an IP router or a communication modem). An IP router, a communication modem) and a device (or server) located in a short distance to connect a short distance communication channel through a wire, and the short range wireless communication medium may be a NetBIOS standard, an IPX / SPX standard, or TCP / IP (Transmission). It is preferable to include at least one Control Protocol / Internet Protocol (standard), and the type of short-range wired communication medium is intended by those skilled in the art It is possible to alternate according to a different communication medium (or more), and is not limited by the present invention thereto.

Alternatively, the short-range wired communication means of the direct communication method is characterized by connecting the VoIP composite terminal 100 and the short-range wired communication channel through a short-range wired communication medium of the direct communication method, the short-range wired communication of the direct communication method The medium is a communication medium for directly connecting a short-range communication channel to the client terminal 105 and a device (or server) located in a short distance through a wire, and the short-range wired communication medium supports a USB (Universal Serial) that supports a direct communication method. Bus), RS-232c, 1394 or more, and the short-range wired communication medium may be replaced (or added) with another one according to the intention of a person skilled in the art, and the present invention is not limited thereto. No.

Alternatively, the optical communication means is connected to the VoIP composite terminal 100 and a short-range optical communication channel through an optical communication medium, the optical communication medium, the device located in the near field with the client terminal 105 (Or a server) and a communication medium that directly connects a short-range communication channel through optical communication in the infrared region, and includes at least an infrared communication complying with the Infrared Data Association (IrDA) standard and an infrared communication conforming to the IrFM (Infrared Finance Messaging) IrDA standard. It is preferable to include one or more, and the type of optical communication medium can be replaced (or added) with another communication medium according to the intention of the skilled person, and the present invention is not limited thereto.

The VoIP composite terminal 100 is a VoIP terminal including the functional configuration shown in FIG. 2, which is connected to an IP communication network through a VoIP gateway 135 and a gatekeeper 140 on a VoIP system through a wide area communication medium. A mobile telephone connected to a terminal, a Code Division Multiple Access (CDMA) / Wide-CDMA (WCDMA) based mobile communication network, and a wired telephone connected to a telephone network including a public switched telephone network (PSTN) / intelligent network are connected to a voice call channel. The wide area communication medium accessing the IP communication network includes at least one wireless communication medium using the wireless AP (or wireless IP router), or at least one wired communication medium using a hub (or IP router) and a communication modem. It features.

In addition, the VoIP composite terminal 100 is a short-range wireless communication means of the packet-switching method, a short-range wireless communication means of the direct communication method, a short-range wired communication means of the packet switching method for connecting the short-range communication channel with the client terminal 105 And at least one short range communication means including at least one short distance wired communication means of a direct communication method and an optical communication means.

The short-range wireless communication means of the packet-switched method connects the short-range wireless communication channel with the client terminal 105 through a short-range wireless communication medium of a packet switched method, and the short-range wireless communication medium of the packet switched method, A wireless AP (or wireless IP sharer) located at a short distance with the VoIP composite terminal 100 connects a short range communication channel through wireless, and the wireless AP (or wireless IP sharer) via the wireless AP (or wireless IP sharer). Or at least one device (or server) located at a short distance from a wireless IP sharer) to wirelessly connect a short range communication channel, wherein the short range wireless communication medium is Bluetooth (BlueTooth) compliant with the IEEE 802.11.x standard. Preferably, at least one of Wi-Fi, Ultra Wide Band system (UWB), and the like, the short-range wireless communication medium The type may be replaced (or added) with other communication media according to the intention of the person skilled in the art, and the present invention is not limited thereto.

Alternatively, the short range wireless communication means of the direct communication method may connect the short range wireless communication channel with the client terminal 105 through a short range wireless communication medium of the direct communication method, and the short range wireless communication medium of the direct communication method. Is a communication medium for directly connecting a short-range communication channel through a wireless device (or server) located at a short distance with the VoIP composite terminal 100, and the short-range wireless communication medium supports a radio frequency (RF) radio frequency. It is preferable to include at least one communication, Bluetooth, Wi-Fi, UWB, and the short-range wireless communication medium type can be replaced (or added) with another communication medium according to the intention of those skilled in the art, whereby the present invention It is not limited.

Alternatively, the short-range wired communication means of the packet-switched method connects the short-range wired communication channel to the client terminal 105 through a short-range wired communication medium of the packet switched method, and the short-range wired communication medium of the packet switched method. The short-range communication channel is connected to the VoIP composite terminal 100 and a hub (or an IP router or a communication modem) located at a short distance through a wire, and the hub (or an IP router or a communication modem) is connected to the hub (or an IP router or a communication modem). Or an IP router, a communication modem) and a device (or server) located in a short distance to connect a short distance communication channel through a wire, wherein the short range wireless communication medium is a NetBIOS standard, an IPX / SPX standard, a TCP / IP ( Transmission Control Protocol / Internet Protocol) is preferably included at least one, and the short-range wired communication medium type is intended by those skilled in the art It is possible to alternate according to a different communication medium (or more), and is not limited by the present invention thereto.

Alternatively, the short-range wired communication means of the direct communication method is characterized in that for connecting the short-range wired communication channel with the client terminal 105 through a short-range wired communication medium of the direct communication method, the short-range wired communication medium of the direct communication method Is a communication medium for directly connecting a short-range communication channel to the VoIP composite terminal 100 and a device (or server) located in a short distance through a wire, and the short-range wired communication medium supports a USB (Universal Serial) that supports a direct communication method. Bus), RS-232c is preferably included at least one, and the short-range wired communication medium type can be replaced (or added) according to the intention of those skilled in the art, the present invention is not limited thereby.

Alternatively, the optical communication means connects the short distance optical communication channel with the client terminal 105 through an optical communication medium, and the optical communication medium is located near the VoIP composite terminal 100. (Or a server) and a communication medium that directly connects a short-range communication channel through optical communication in the infrared region, and includes at least an infrared communication complying with the Infrared Data Association (IrDA) standard and an infrared communication conforming to the IrFM (Infrared Finance Messaging) IrDA standard. It is preferable to include one or more, and the type of optical communication medium can be replaced (or added) with another communication medium according to the intention of the skilled person, and the present invention is not limited thereto.

The wireless AP (or wireless IP sharer) provides a short-range wireless communication medium or a wireless communication medium in a packet-switched manner to the client terminal 105 and the VoIP composite terminal 100, and the hub (or IP). Router) and a communication modem are characterized in that a packet-switched short-range wired communication medium, or a wired communication medium is provided to the client terminal 105 and the VoIP composite terminal 100, and is commonly used in the art. Those skilled in the art will be familiar with the technical features of the wired and wireless communication devices, and a detailed description thereof will be omitted for convenience.

The online card payment system constituting the online ticket reservation / booking system using the VoIP composite terminal 100 is connected to the client terminal 105 through an IP communication network, and provides an online ticket store to the client terminal 105. And, the Internet reservation / booking server 110 for selling tickets provided in the online ticket store, and the payment server 115 to provide a payment module in the form of a plug-in to the Internet reservation / booking server 110 and Receiving the payment approval request information requested from the payment agent server 115, the van server 125 for providing the payment approval request information to the card company server 130, and through the van server 125 and the private network The card company server 130 is connected to and approves the card payment corresponding to the payment approval request information.

The Internet reservation / booking server 110 is connected to the client terminal 105 through an IP communication network, provides an online ticket store to the client terminal 105, and sells a ticket provided in the online ticket store. As a generic term for a server, those skilled in the art will be familiar with the technical features of the Internet reservation / reservation server 110, and thus a detailed description thereof will be omitted.

The payment server 115 is a payment gateway (PG) that is connected to the Internet reservation / reservation server 110 through a communication network to provide a payment module in the form of a plug-in to the Internet reservation / reservation server 110, The payment module comprises at least one shopping cart module, a payment method selection module, and a payment module for each payment method.

Here, the shopping cart module receives the ticket information (eg, a ticket name, a ticket sale amount, etc.) purchased from the client terminal 105 from the internet reservation / scheduling server 110 and stores the data in a database. It is preferable to include a module for calculating a payment amount for at least one ticket information.

In addition, the payment means selection module is a module comprising a user interface for selecting a payment means for payment processing the payment amount, the payment means is a card payment means (eg credit card payment means, check card payment means Etc.), it is preferable that the account transfer means, at least one or more comprises a virtual account payment means.

According to the present invention, the payment means selection module further comprises a user interface for selecting a VoIP payment means to process the online ticket reservation / booking using the VoIP composite terminal 100, the VoIP payment The means includes a payment means for payment processing the payment amount by using the card information read through the card reader provided in the VoIP composite terminal 100.

The payment module for each payment means may include at least one relay server (eg, van server 125), a communication network, and a payment server (eg, card company server 130) corresponding to the payment means selected by the payment means selection module. A module for processing a payment transaction in association with a financial institution server, a secure click payment module (or secure payment settlement module) for processing the card payment, or an account transfer payment module for processing the bank transfer payment; Or it may be made of at least one virtual account payment module for processing the virtual account payment.

According to the present invention, in order to process the online ticket reservation / booking using the VoIP composite terminal 100, the payment module for each payment means is selected to the client terminal 105 when the VoIP payment means is selected in the payment means selection module. A user interface for inputting a VoIP telephone number assigned to the VoIP composite terminal 100, a VoIP telephone number including the user interface, payment amount information calculated by the shopping cart module, and the Internet reservation / reservation server ( And a VoIP payment module for transmitting the ticket reservation / advance information including the merchant information corresponding to the online ticket store provided at 110 to the platform operation server 120 through a communication network. Payment corresponding to the reservation / advance information is processed through the VoIP composite terminal 100 provided in the client system. Is preferred.

The VoIP system constituting the online ticket reservation / booking system using the VoIP composite terminal 100 includes a VoIP gateway 135 connected to the VoIP composite terminal 100 through an IP communication network, and the VoIP composite terminal 100. Or a subscriber station with respect to a conventional VoIP terminal, the VoIP composite terminal 100 and at least one other communication terminal (eg, another VoIP terminal connected to an IP communication network, a cellular phone connected to a CDMA / WCDMA based mobile communication network, a PSTN) / Wired telephone connected to the telephone network including the intelligent network) is characterized in that it comprises a gatekeeper 140 for connecting the voice call channel by performing a call processing procedure.

The VoIP gateway 135 is a gateway to which the VoIP composite terminal 100 is connected through the IP communication network for VoIP-based voice calls. If the VoIP gateway 135 has a general knowledge in the art, the VoIP gateway ( 135 will be familiar with the technical features, detailed description thereof will be omitted for convenience.

The gatekeeper 140 is connected to the VoIP composite terminal 100 through the VoIP gateway 135, and the VoIP composite terminal 100 and at least one other call terminal (eg, another VoIP terminal connected to an IP communication network). And a voice call channel by performing a call processing procedure between a mobile phone connected to a CDMA / WCDMA based mobile communication network and a landline phone connected to a telephone network including a PSTN / Intelligent network.

According to the present invention, the gatekeeper 140 includes the ticket reservation / reservation information according to the message exchange protocol defined in the VoIP system to process the online ticket reservation / reservation using the VoIP composite terminal 100. The card transaction message may be transmitted to the VoIP composite terminal 100 through the VoIP gateway 135.

Those skilled in the art will be familiar with the message exchange protocol specification defined in the VoIP system, so a detailed description thereof will be omitted for convenience.

The platform operation server 120 is connected to the VoIP composite terminal 100 on the client system via an IP communication network, and when the VoIP composite terminal 100 is provided in the client system, the VoIP composite terminal 100, the platform operation server 120 may be searched first through a wide area communication medium.

In addition, the platform operation server 120 is characterized in that the communication is connected to the payment agent server 115 on the online card payment system through a communication network, when the online ticket reservation / booking process using the VoIP composite terminal 100, It is characterized in that for receiving the ticket reservation / reservation information provided from the Internet reservation / reservation server 110 from the payment agent server 115.

In addition, the platform operation server 120 is characterized in that the communication with the gatekeeper 140 on the VoIP system through a communication network, the payment agent for the online ticket reservation / booking processing using the VoIP composite terminal 100. When the ticket reservation / advance information is received from the server 115, a card transaction message including the ticket reservation / advance information is generated and transmitted to the gatekeeper 140 on the VoIP system.

In addition, the platform operation server 120 provides the ticket reservation / reservation request information to the van server 125 when the ticket reservation / reservation request information is received from the VoIP composite terminal 100 through the IP communication network. Thereafter, the van server 125 transmits the ticket reservation / reservation request information to the card company server 130 corresponding to the card information included in the ticket reservation / reservation request information.

Further, the platform operation server 120 includes subscriber information including the VoIP composite terminal 100 shown in FIG. 2 among the VoIP subscribers subscribed to the VoIP system, the VoIP composite terminal 100 information, and the VoIP. It is characterized in that it comprises a platform operation D / B for linking and storing various key management information for the composite terminal (100).

Here, the subscriber information is unique information of the subscriber (e.g., subscriber name, resident registration number, address, e-mail address, contact information) of the VoIP subscribers who have subscribed to the VoIP system and having the VoIP composite terminal 100 shown in FIG. Etc.) is preferable.

In addition, the VoIP composite terminal 100 information, preferably comprises the terminal identification information contained in the VoIP composite terminal 100 provided to the subscriber, the VoIP composite terminal for managing the VoIP composite terminal 100 (100) It is preferable to further include model information, software version information, various application program download information, receipt / delivery / installation management information and the like.

The key management information may include decryption key data for decrypting the encrypted ticket reservation / reservation request information when the ticket reservation / reservation request information received from the VoIP composite terminal 100 is encrypted. It is preferable to further include key generation information, key download / update management information, etc. for managing various key data provided to the VoIP composite terminal 100.

According to an embodiment of the present invention, the platform operation server 120 is connected to the platform operation D / B based on the terminal management unit (not shown) for managing the VoIP terminal 100, and based on the key management information And a key management unit (not shown) for managing various keys for the VoIP composite terminal 100. For convenience, the terminal management unit and the key management unit are provided in the platform operation server 120 shown in FIG. Will be omitted.

Referring to FIG. 23, the platform operation server 120 includes a VoIP phone number corresponding to the VoIP composite terminal 100 shown in FIG. 2 from the payment proxy server 115, and the VoIP composite terminal 100. Receive ticket reservation / reservation request information including the payment amount information to be settled through the payment information and the ticket reservation / reservation information including the merchant information corresponding to the online ticket store provided in the Internet reservation / reservation server 110 A payment information receiving unit (or payment information receiving unit), a validity checking unit (or validating means) for confirming validity of the VoIP phone number included in the ticket reservation / advance information in connection with the platform operation D / B; When the validity is confirmed, the VoIP composite terminal 100 through the message generator (or message generating means) for generating a card transaction message including the ticket reservation / advance information and the gatekeeper 140. Characterized in that obtained by having a message transfer part (or the message transmission means) for processing to transmit the card transaction message.

When the client terminal 105 is connected to the Internet reservation / reservation server 110 to purchase at least one ticket, and the online payment for the payment amount corresponding to the purchase amount of the at least one ticket, The payment server 115 provides a payment method selection interface to the client terminal 105 through the Internet reservation / schedule server 110, and the payment method selection interface according to the communication medium identification shown in FIG. And a user interface for selecting a VoIP payment method using the VoIP composite terminal 100 having a selective payment (or financial transaction) function.

When the VoIP payment method is selected through the payment method selection interface, the payment agent server 115 enters a VoIP phone number into the client terminal 105 through the Internet reservation / booking server 110. A VoIP telephone number assigned to the VoIP composite terminal 100 having an input interface and having a selective payment (or financial transaction) function according to the communication medium identification shown in FIG. 2 through the VoIP telephone number input interface is provided. When input, the payment server 115 includes the VoIP phone number input through the VoIP phone number input interface, payment amount information corresponding to the purchase price of the ticket purchased through the client terminal 105, By generating ticket reservation / reservation information including the merchant information corresponding to the online ticket store provided in the Internet reservation / reservation server 110 to the And transmits to the platform operation server 120, and correspondingly, the payment information receiver receives the ticket reservation / advance information including the VoIP phone number, the payment amount information, and the affiliated store information through the communication network.

Here, the payment amount information included in the ticket reservation / reservation information, including the sum of the purchase amount of the ticket purchased through the client terminal 105, the ticket purchased through the client terminal 105 It is preferable that the information further comprises the purchase price information for each ticket.

In addition, the affiliated store information included in the ticket reservation / reservation information is provided to the payment agency information (for example, the online payment request entity requesting the card payment) and the Internet reservation / reservation server 110 to process the card payment; It is preferable to include the mutual information of the merchants corresponding to the provided online ticket store.

According to the method of the present invention, the ticket reservation / advance information may further comprise a payment page URL information, payment path code information.

If the ticket reservation / advance information further includes the payment page URL information, a client accessing the payment page URL through a local area communication medium is a payment path through the VoIP composite terminal 100 shown in FIG. It may be selected as a path via the terminal 105, whereby the present invention is not limited.

Alternatively, when the ticket reservation / advance information further includes the payment path code information, the payment path through the VoIP composite terminal 100 shown in FIG. 2 is selected as a path corresponding to the payment path code. The present invention is not limited thereto.

Those skilled in the art to which the present invention pertains can infer various information configurations included in the ticket reservation / reservation information in addition to the information constituting the ticket reservation / reservation information described above. The present invention is characterized in that it comprises all the information configuration inferred.

According to another embodiment of the present invention, when the Internet reservation / booking server 110 is an Internet reservation / booking server 110 that provides a large Internet reservation / booking service that may have a payment agent function, the payment agency Server 115 may be omitted, or the function of the payment server 115 may be provided in the Internet reservation / reservation server 110, in which case the payment information receiver is the Internet reservation / reservation server 110 It is possible to receive the ticket reservation / booking information including the VoIP phone number, the payment amount information and the merchant information from the communication network from), by which the present invention is not limited.

When the ticket reservation / reservation information is received by the payment information receiving unit, the validity confirming unit compares the VoIP complex terminal 100 information stored in the platform operation D / B with the VoIP phone number included in the ticket reservation / reservation information. Whether the VoIP terminal corresponding to the VoIP phone number included in the ticket reservation / advance information is a VoIP complex terminal 100 having a selective payment (or financial transaction) function according to the communication medium identification shown in FIG. Characterized in that.

If the result of the check is that the VoIP phone number included in the ticket reservation / advance information matches the VoIP composite terminal 100 shown in FIG. 2, the message generation unit according to the message exchange protocol provided in the VoIP system. And generating a card transaction message including ticket reservation / advance information.

According to an embodiment of the present invention, the message generation unit sets a path for receiving the ticket reservation / reservation request information generated by the VoIP composite terminal 100 in the ticket reservation / reservation information included in the card transaction message. It is preferable to further include the route information or to modify the predetermined payment route information to the path set to receive the ticket reservation / reservation request information in the platform operation server 120.

The message transmitter transmits the generated card transaction message to the gatekeeper 140 through a communication network, thereby transmitting the card transaction message through the VoIP gateway 135 in the gatekeeper 140 as illustrated in FIG. Characterized in that the processing to transmit to the VoIP composite terminal (100).

Referring to FIG. 23, the platform operation server 120 includes a VoIP reservation number and payment information and merchant information from the VoIP complex terminal 100 shown in FIG. 2 through an IP communication network. An information receiver (or information receiving means) for receiving ticket reservation / reservation request information including information and card information read through a card reader provided in the VoIP composite terminal 100, and the received ticket reservation / reservation Validation unit (or validation means) for checking the validity of the request information, and the payment amount information, merchant information and card information included in the ticket reservation / reservation request information is confirmed to the van server 125 And a card payment processing unit (or card payment processing means) for processing the card payment, and the platform OTP in the ticket reservation / reservation request information. If it included, characterized in that formed by further comprising: a platform OTP processor (or a platform OTP process unit) to process authenticating the platform OTP.

According to an exemplary embodiment of the present invention, when the VoIP composite terminal 100 shown in FIG. 2 receives a card transaction message including the ticket reservation / advance information, the payment settlement process shown in FIG. Ticket reservation / reservation information including the VoIP phone number, payment amount information, and merchant information through the transaction process shown in FIG. 10, and card information read through a card reader provided in the VoIP composite terminal 100; Generate ticket reservation / reservation request information to be transmitted through the IP communication network, and correspondingly, the information receiver includes the phone number, payment amount information, and merchant information from the VoIP composite terminal 100 through the IP communication network. Receive ticket reservation / reservation request information including the ticket reservation / reservation information, and the card information read through the card reader provided in the VoIP composite terminal 100 Characterized in that.

According to another exemplary embodiment of the present invention, the VoIP composite terminal 100 shown in FIG. 2 uses the ticket reservation / reservation menu to select the payment processing process shown in FIG. 8 and the transaction shown in FIG. Ticket reservation / reservation request including the VoIP phone number, payment amount information and merchant information through the process, and the card information read through the card reader provided in the VoIP composite terminal (100) Generates information and transmits the information through the IP communication network, and correspondingly, the information receiver includes the telephone number, payment amount information, and merchant information from the VoIP composite terminal 100 through the IP communication network. And, it is characterized in that for receiving the ticket reservation / reservation request information including the card information read through the card reader provided in the VoIP composite terminal (100).

According to another exemplary embodiment of the present invention, the VoIP composite terminal 100 shown in FIG. 2 includes ticket reservation / advance information including the VoIP phone number, payment amount information, and merchant information according to selection of a second communication medium. And generating a ticket reservation / reservation request information including card information read through a card reader provided in the VoIP composite terminal 100, through the second communication medium including a short range communication medium. In this case, the client terminal 105 transmits the ticket reservation / reservation request information to the platform operation server 120 through the IP communication network, or to the payment agency server 115. It is possible that the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the VoIP composite terminal 100 may perform a function of a card reader connected to the client terminal 105 through a short range communication medium. In this case, the client terminal 105 may It is possible to process payment using a conventional online card payment system based on card information read through the VoIP composite terminal 100.

When the ticket reservation / reservation request information is received through the information receiver, when the received ticket reservation / reservation request information is encrypted, the validity confirming unit is linked with the platform operation D / B to request the encrypted ticket reservation / reservation request. It is preferable to confirm a decryption key for the information and to decrypt the ticket reservation / reservation request information through the decryption key.

The validity checker may compare the VoIP phone number included in the ticket reservation / reservation request information with the VoIP complex terminal 100 information included in the platform operation D / B to compare the VoIP phone number included in the ticket reservation / reservation request information. It is preferable to check whether the VoIP terminal corresponding to the telephone number is the VoIP composite terminal 100 having the selective payment (or financial transaction) function according to the communication medium identification shown in FIG.

When the platform OTP is included in the ticket reservation / reservation request information received through the information receiving unit, the platform OTP processing unit provides a platform OTP generation program to the client terminal 105 in cooperation with the payment agency server 115. After that, the platform OTP generated through the platform OTP generating program and output on the screen of the client terminal 105 is input through the VoIP composite terminal 100, and the input platform OTP is used for booking the ticket. It is included in the advance request information, characterized in that received through the information receiving unit.

Alternatively, when the platform OTP is included in the ticket reservation / reservation request information received through the information receiving unit, the platform OTP processing unit generates a platform OTP to be provided to the client terminal 105 to associate with the redundancy server. Characterized in that the transmission to the client terminal 105, the platform OTP output on the screen of the client terminal 105 is input via the VoIP composite terminal 100, the input platform OTP is the ticket reservation / It is included in the advance request information, characterized in that received through the information receiving unit.

Alternatively, when the platform OTP is included in the ticket reservation / reservation request information received through the information receiving unit, the platform OTP processing unit is connected to the payment agency server 115 to display a platform OTP input interface on the screen of the client terminal 105. After outputting, the platform OTP to be provided to the VoIP composite terminal 100 is generated and transmitted to the VoIP composite terminal 100 (for example, to the VoIP composite terminal 100 according to the message exchange protocol provided in the VoIP system). Or to the VoIP composite terminal 100 through an IP communication network), and then the platform OTP outputted to the VoIP composite terminal 100 is input through the client terminal 105 and the platform operation server. Characterized in that 120 is received.

Alternatively, when the platform OTP generation program is provided in the VoIP composite terminal 100 to include platform OTP in the ticket reservation / reservation request information received through the information receiving unit, the platform OTP generation program is generated. The platform OTP is input through the VoIP composite terminal 100, and the input platform OTP is included in the ticket reservation / reservation request information and is received through the information receiver.

Or, if the platform OTP generation program is provided in the VoIP composite terminal 100 to include platform OTP in the ticket reservation / reservation request information received through the information receiving unit, the platform OTP processing unit is the payment agent server. Outputs a platform OTP input interface to the screen of the client terminal 105 in association with 115, wherein the platform OTP generated through the platform OTP generation program is input through the client terminal 105 to the platform operation server Characterized in that 120 is received.

According to an embodiment of the present invention, when the platform OTP is included in the ticket reservation / reservation request information, the platform OTP processing unit authenticates the platform OTP included in the ticket reservation / reservation request information, thereby making the ticket reservation. / Verify the validity of the reservation request information.

According to an embodiment of the present invention, when the platform OTP is received through a communication channel different from the ticket reservation / reservation request information, the platform OTP processing unit authenticates the received platform OTP, thereby making the ticket reservation / reservation request. It is characterized by checking the validity of the information.

If the validity of the received ticket reservation / reservation request information is confirmed by the validity confirmation unit (or platform OTP processing unit), the card payment processing unit includes payment amount information included in the ticket reservation / reservation request information whose validity is confirmed. And by sending the merchant information and card information to the van server 125, the van server 125 to process the card payment for the payment amount information in connection with the card company server 130 corresponding to the card information. It is done.

Referring to FIG. 23, when the card payment processing unit processes the card payment corresponding to the ticket reservation / reservation request information in association with the van server 125, the platform operation server 120 corresponds to the card payment. The information transmission unit 278 (or information transmission means) for transmitting the payment result information to the payment agency server 115 and the payment result in a message corresponding to the message exchange protocol provided in the VoIP system. It characterized in that it comprises a message transmission unit (or message transmission means) for processing to be transmitted to the VoIP composite terminal (100).

The van server 125 processes the card payment corresponding to the ticket reservation / reservation request information in association with the card company server 130 and returns the payment result to the platform operation server 120. Correspondingly, the information transmitter 278 transmits the payment result information to the payment agent server 115 through a communication network, and the payment result is the Internet reservation / scheduling server 110 and the client. It is preferable to be transmitted to the terminal 105.

In addition, when the payment result is returned from the van server 125, the message transmitter includes the payment result in a message corresponding to a message exchange protocol provided in the VoIP system, and transmits the payment result on the VoIP system through the communication network. By transmitting to the gatekeeper 140, the payment result is characterized in that the processing to be transmitted to the VoIP composite terminal (100).

24 is a diagram for providing payment information to a VoIP composite terminal 100 through a first communication medium among a plurality of communication media connectable in the VoIP composite terminal 100 for online ticket reservation / reservation according to an embodiment of the present invention. A diagram illustrating the process.

In more detail, FIG. 24 illustrates a wide area communication medium that provides a VoIP-based voice call channel among a plurality of communication mediums including a wide area communication medium or a short range communication medium connectable to the VoIP composite terminal 100 shown in FIG. As a first communication medium of the VoIP composite terminal (100) to provide the payment information for the online ticket reservation / reservation to the VoIP composite terminal 100 according to the message exchange standard provided in the VoIP system For those of ordinary skill in the art to which the present invention pertains, a first of a plurality of communication media connectable to the VoIP composite terminal 100 for the online ticket reservation / reservation by referring to and / or modifying the drawing of FIG. Various implementation methods for the process of providing the payment information to the VoIP composite terminal 100 through the communication medium can be inferred, but the present invention is all inferred It is made, including the method when, to which the technical feature that is not limited to the exemplary method shown in the figure 24.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may perform the process of providing payment information through the first communication medium shown in FIG. 24, as in the payment processing process shown in FIG. The VoIP composite terminal 100 may infer an implementation method for generating payment request information by selecting a payment menu, and the present invention is characterized by including all the inferred implementation methods.

Hereinafter, in FIG. 24, the VoIP composite terminal 100 shown in FIG. 2 is referred to as "terminal" for convenience, and the platform operating server 120 shown in FIG. 23 is referred to as "server" for convenience.

Referring to FIG. 24, the client terminal 105 shown in FIG. 23 accesses an Internet reservation / booking server 110 through an IP communication network, visits an online ticket store (2400), and sells at the online ticket store. When purchasing at least one ticket among a plurality of tickets and requesting payment for the purchased ticket (2405), the payment agent server 115 providing a payment module to the Internet reservation / purchase server 110 is provided. The client terminal 105 provides a payment means selection interface further comprising a VoIP payment means in addition to a conventional card payment means (eg, credit card payment means, check card payment means, etc.), bank transfer payment means, virtual account payment means. In operation 2410, the VoIP payment means is selected through the payment means selection interface.

If the VoIP payment means is not selected through the payment means selection interface (or other payment means other than the VoIP payment means) in the client terminal 105 (2415), the payment agent server 115 is A payment settlement corresponding to the selected payment means (eg, conventional card payment means (eg, credit card payment means, check card payment means, etc.), bank transfer payment means, virtual account payment means, etc.) is processed (2420).

Those skilled in the art to which the present invention pertains, the payment method through the card payment means (eg credit card payment means, check card payment means, etc.), bank transfer payment means, virtual account payment means Since it will be understood, a detailed description thereof will be omitted for convenience.

On the other hand, if the VoIP payment means is selected through the payment means selection interface (2415) in the client terminal 105, the payment server 115 is the client terminal 105 to the client terminal 105 and the near Located in FIG. 2, a VoIP phone number input interface for inputting a VoIP phone number corresponding to a terminal having a selective payment (or financial transaction) function according to communication medium identification is provided, and the VoIP phone number input interface is provided. In operation 2425, it is checked whether a VoIP telephone number corresponding to the terminal shown in FIG. 2 is input.

If the VoIP phone number is input (2430), the payment server 115 includes a VoIP phone number input through the VoIP phone number input interface, a payment including information on payment amount and merchant information on the purchase ticket. Information is sent to the server (2435).

Here, the payment amount information included in the payment information, including the amount of the sum of the purchase amount of the ticket purchased through the client terminal 105, ticket information purchased through the client terminal 105, Preferably, the ticket further includes purchase price information for each ticket.

In addition, the affiliated store information included in the payment information includes payment agency information for processing the card payment (for example, an online payment request entity requesting a card payment) and online provided in the Internet reservation / preservation server 110. It is preferable to include affiliated store mutual information corresponding to the ticket store.

According to an embodiment of the present invention, the payment information may further include payment page URL information and payment path code information.

If the payment information further includes the payment page URL information, the payment path through the terminal illustrated in FIG. 2 is a path via the client terminal 105 accessing the payment page URL through a local area communication medium. It may be selected as, by which the present invention is not limited.

Alternatively, when the payment information further includes the payment path code information, the payment path through the terminal shown in FIG. 2 may be selected as a path corresponding to the payment path code, thereby providing the present invention. This is not limited.

Those skilled in the art to which the present invention pertains can infer various information configurations included in the payment information according to the intention of the person skilled in the art, in addition to the information constituting the above-described payment information, the present invention is inferred It is characterized by including all the information configuration.

Thereafter, the server checks the validity of the VoIP phone number included in the payment information received from the payment agent server 115 (2440).

According to the method of the present invention, the server compares the terminal information stored in the platform operation D / B and the VoIP phone number included in the payment information, the VoIP terminal corresponding to the VoIP phone number included in the payment information; It is preferable to check whether the terminal has a selective payment (or financial transaction) function according to the communication medium identification shown in FIG.

If the VoIP phone number validity is not confirmed (2445), the server transmits the VoIP phone number error information to the payment server 115 (2450), and correspondingly the payment server 115 is the client The process of providing the payment method selection interface to the terminal 105 is repeated.

On the other hand, if the validity of the VoIP phone number is confirmed (2445), the server provides a VoIP-based voice call channel of a plurality of communication media including a wide area communication medium or a short-range communication medium connectable to the terminal shown in FIG. Using a wide area communication medium as a first communication medium of the terminal, a card transaction message including the payment information is generated according to a message exchange standard provided in the VoIP system (2455).

According to the exemplary embodiment of the present invention, the server further includes payment path information for setting a path for receiving payment request information generated in the terminal in payment information included in the card transaction message, or preset payment payment. It is preferable to modify the path information to the path set to receive the payment request information in the platform operation server 120.

Thereafter, the server requests to transmit the card transaction message to the terminal through the gatekeeper 140 on the VoIP system shown in FIG. 23 (2460), and correspondingly, the gatekeeper 140 sends the VoIP message. The card transaction message is transmitted to the terminal through a first communication medium of the terminal including a wide area communication medium corresponding to an exchange protocol (2465).

Thereafter, the terminal receiving the card transaction message through the first communication medium inputs the payment information and the key provided to the terminal through the payment processing process shown in FIG. 9 and the transaction process shown in FIG. And generating payment request information including payment security information input through the means and card information read through the card reader provided in the terminal and transmitting the payment request information through a second communication medium selected by the terminal.

25A and 25B illustrate a VoIP composite terminal 100 for payment information through a first communication medium among a plurality of communication media connectable to the VoIP composite terminal 100 for ticket reservation / reservation according to another exemplary embodiment of the present invention. It is a diagram showing a process provided by.

In more detail, FIGS. 25A and 25B illustrate a client terminal shown in FIG. 23 of a plurality of communication media including a wide area communication medium or a short range communication medium connectable to the VoIP composite terminal 100 shown in FIG. Payment information for ticket reservation / reservation to the VoIP composite terminal 100 according to the local area communication standard using a short range communication medium connecting 105) and a short range communication channel as the first communication medium of the VoIP composite terminal 100; As a process for providing the present invention, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the drawings 25a and 25b in the VoIP composite terminal 100 for the ticket reservation / reservation Various implementation methods for providing the payment information to the VoIP composite terminal 100 through a first communication medium among a plurality of connectable communication media may be inferred. Is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 25a and figure 25b.

For example, those skilled in the art to which the present invention pertains do not have to perform a payment information providing process through the first communication medium shown in FIGS. 25A and 25B, and the payment processing shown in FIG. As described above, an implementation method of generating payment request information by selecting a payment menu in the VoIP composite terminal 100 may be inferred, and the present invention is characterized by including all possible inference methods.

In the following Figures 25a and 25b, the VoIP composite terminal 100 shown in Figure 2 is referred to as "terminal" for convenience, and the platform operating server 120 shown in Figure 23 is referred to as "server" for convenience.

Referring to FIGS. 25A and 25B, the client terminal 105 illustrated in FIG. 23 accesses an internet reservation / booking server 110 through an IP communication network and visits an online ticket store (2500), and the online ticket store. Purchase at least one ticket from among a plurality of tickets sold at, request for payment for the purchased ticket (2505), a payment agent server for providing a payment module to the Internet reservation / reservation server 110 ( 115 is a payment means selection interface further comprising a VoIP payment means in addition to the conventional card payment means (eg credit card payment means, check card payment means, etc.), bank transfer payment means, virtual account payment means to the client terminal 105 In operation 2510, the VoIP payment means is selected through the payment means selection interface.

If the VoIP payment means is not selected through the payment means selection interface (or other payment means other than the VoIP payment means) in the client terminal 105 (2515), the payment agent server 115 is the A payment settlement corresponding to the selected payment means (eg, conventional card payment means (eg, credit card payment means, check card payment means, etc.), bank transfer payment means, virtual account payment means, etc.) is processed (2520).

Those skilled in the art to which the present invention pertains, the payment method through the card payment means (eg credit card payment means, check card payment means, etc.), bank transfer payment means, virtual account payment means Since it will be understood, a detailed description thereof will be omitted for convenience.

On the other hand, if the VoIP payment means is selected through the payment means selection interface (2515) in the client terminal 105 (2515), the payment server 115 is the client terminal 105 to the client terminal 105 and the near Located in FIG. 2, a VoIP phone number input interface for inputting a VoIP phone number corresponding to a terminal having a selective payment (or financial transaction) function according to communication medium identification is provided, and the VoIP phone number input interface is provided. In operation 2525, the VoIP phone number corresponding to the terminal illustrated in FIG. 2 is input.

If the VoIP phone number is input (2530), the payment server 115 transmits the VoIP phone number input through the VoIP phone number input interface to the server (2535).

Thereafter, the server checks the validity of the VoIP phone number included in the payment information received from the payment agent server 115 (2540).

According to the method of the present invention, the server compares the terminal information stored in the platform operation D / B and the VoIP phone number included in the payment information, the VoIP terminal corresponding to the VoIP phone number included in the payment information; It is preferable to check whether the terminal has a selective payment (or financial transaction) function according to the communication medium identification shown in FIG.

If the VoIP telephone number validity is not confirmed (2545), the server transmits the VoIP telephone number error information to the payment server 115 (2550), and correspondingly the payment server 115 is the client The process of providing the payment method selection interface to the terminal 105 is repeated.

On the other hand, if the validity of the VoIP phone number is confirmed (2545), the server checks the near field communication medium information discovered (or connectable from the terminal) in connection with the platform operation D / B (2555).

According to the exemplary embodiment of the present invention, the short range communication medium discovered by the terminal may include a short range wireless communication medium of a packet switched method, a short range wireless communication medium of a direct communication method, a short distance wireless communication medium of a packet switching method, and a short distance wired communication method of a direct communication method. Preferably, at least one communication medium and optical communication medium are included.

Here, the packet-switched short range wireless communication medium connects a short distance communication channel with a wireless access point (or wireless IP sharer) located at a short distance with the client terminal 105, and the wireless AP. (Or a wireless IP router) is a communication medium for wirelessly connecting a short-range communication channel to the wireless AP (or wireless IP router) and at least one device (or server) located at a short distance by wireless. Preferably, at least one of Bluetooth, Wi-Fi, and Ultra Wide Band system (UWB) conforming to the IEEE 802.11.x standard is included. It is possible to substitute (or add) another communication medium, and the present invention is not limited thereto.

Alternatively, the short range wireless communication medium of the direct communication method is a communication medium for directly connecting a short range communication channel through a wireless connection between the client terminal 105 and a device (or a server) located in a short distance, and the short range wireless communication medium. Preferably, at least one of RF (Radio Frequency) communication, Bluetooth, Wi-Fi, and UWB supporting a direct communication method is included. The short-range wireless communication medium is replaced (or added) with another communication medium according to the intention of a person skilled in the art. The present invention is not limited thereto.

Alternatively, the packet-switched short-range wired communication medium connects the short-range communication channel with a hub (or IP sharer, communication modem) located at a short distance with the client terminal 105, and connects the short-range communication channel to the hub (or IP sharer). And a communication medium connecting a hub (or an IP router, a communication modem) and a device (or server) located in a short distance to a short distance communication channel through a wire. The short range wireless communication medium may be a NetBIOS standard, It is preferable to include at least one or more of the IPX / SPX standard, TCP / IP (Transmission Control Protocol / Internet Protocol) standard, the short-range wired communication medium type is to replace (or add) another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Alternatively, the short-range wired communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel through a wire to a device (or server) located in the near-field with the client terminal 105, wherein the short-range wired communication medium is It is preferable to include at least one USB (Universal Serial Bus) and RS-232c which supports a direct communication method, and the short-range wired communication medium may be replaced (or added) with another one according to the intention of a person skilled in the art. The present invention is not limited thereby.

Alternatively, the optical communication medium is a communication medium for directly connecting a short distance communication channel with the client terminal 105 and a device (or server) located in the near field through optical communication in an infrared region, and an IrDA (Infrared Data Association) standard. Infrared communication in accordance with the above, IrDA (Infrared Finance Messaging) of IrFM (Infrared Communication Messaging) is preferably made to include at least one or more, the optical communication medium type is to replace (or add) to another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Thereafter, the server selects (or recommends) any one short-range communication medium information among the plurality of short-range communication medium information found in the terminal and transmits it to the payment agent server 115 (2560).

Thereafter, the payment server 115 checks whether the short-range communication module corresponding to the short-range communication medium information is mounted in the client terminal 105 (2565), and if the short-range communication module is in the client terminal 105 If it is not mounted (2570), the payment agent server 115 provides the short-range communication module corresponding to the short-range communication medium information to the client terminal 105 (2575).

According to another embodiment of the present invention, when the server checks the payment page URL information of the client terminal 105, the short-range communication module is mounted on the client terminal 105 through the payment page URL in the server If the short-range communication module is not installed, the short-range communication module corresponding to the short-range communication medium information may be provided to the client terminal 105, and the present invention is not limited thereto.

Thereafter, the client terminal 105 connects the local area communication channel (eg, a local area communication channel corresponding to the first communication medium of the terminal) through the local area communication module based on the VoIP phone number (2580). ).

If the client terminal 105 and the short-range communication channel (eg, a short-range communication channel corresponding to the first communication medium of the terminal) are connected (2585), the payment agent server 115 for the purchase ticket Payment information including payment amount information and merchant information is transmitted to the client terminal 105 (2590), and correspondingly, the client terminal 105 establishes the short-range communication channel corresponding to the first communication medium of the terminal. The card transaction message including the payment information is transmitted to the terminal (2595).

Here, the payment amount information included in the payment information, including the amount of the sum of the purchase amount of the ticket purchased through the client terminal 105, ticket information purchased through the client terminal 105, each Preferably, the ticket further includes purchase price information for each ticket.

In addition, the affiliated store information included in the payment information includes payment agency information for processing the card payment (for example, an online payment request entity requesting a card payment) and online provided in the Internet reservation / preservation server 110. It is preferable to include affiliated store mutual information corresponding to the ticket store.

According to an embodiment of the present invention, the payment information may further include payment page URL information and payment path code information.

Those skilled in the art to which the present invention pertains can infer various information configurations included in the payment information according to the intention of the person skilled in the art, in addition to the information constituting the above-described payment information, the present invention is inferred It is characterized by including all the information configuration.

FIG. 26 is a process of payment processing using payment request information transmitted through a second communication medium among a plurality of communication media connectable in the VoIP composite terminal 100 for ticket reservation / reservation according to an embodiment of the present invention. Figure is a diagram.

More specifically, FIG. 26 shows the VoIP composite terminal 100 through the first communication medium of the VoIP composite terminal 100 shown in FIG. 2 through the payment information providing process shown in FIG. 24 or 25. After the payment information is provided, a wide area communication medium connectable to the VoIP composite terminal 100 shown in FIG. 2 or a wide area communication medium providing a data communication channel among a plurality of communication media including a short range communication medium may be used. When the payment request information generated through the payment processing process shown in FIG. 9 and the transaction process shown in FIG. 10 is transmitted using the second communication medium of the terminal 100, the platform operation server shown in FIG. Regarding the process of processing the payment corresponding to the payment request information at 120, a person having ordinary skill in the art to which the present invention pertains, refer to FIG. And / or various embodiments of the present invention for a process of processing payment by using payment request information transmitted through a second communication medium among a plurality of communication media that can be connected in the VoIP complex terminal 100 for the ticket reservation / reservation. It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 26 to generate a payment request generated through the payment processing process shown in FIG. 8 and the transaction process shown in FIG. It will be possible to infer an implementation method for receiving information and payment processing, and the present invention is characterized in that it comprises all the inference possible implementation method.

Hereinafter, in FIG. 26, the VoIP composite terminal 100 shown in FIG. 2 is referred to as "terminal" for convenience, and the platform operating server 120 shown in FIG. 23 is referred to as "server" for convenience.

Referring to FIG. 26, after the payment information is provided to the terminal through the first communication medium of the terminal illustrated in FIG. 2 through the payment information providing process illustrated in FIG. 24 or FIG. 25, the payment information is illustrated in FIG. 2. Payment processing shown in FIG. 9 using a wide area communication medium connectable to a mobile terminal or a wide area communication medium providing a data communication channel, including a short range communication medium, as a second communication medium of the terminal. If the payment request information generated through the process and the transaction process shown in Figure 10 is transmitted (2600), the server is transmitted through the second communication medium of the terminal to confirm the validity of the payment request information received to the server (2605).

When the payment request information received through the second communication medium is encrypted according to an embodiment of the present invention, the server confirms a decryption key for the encrypted payment request information in association with the platform operation D / B. Preferably, the payment request information is decrypted through the decryption key.

In addition, the server compares the VoIP phone number included in the payment request information with the information of the VoIP complex terminal 100 provided in the platform operation D / B, and the VoIP terminal corresponding to the VoIP phone number included in the payment request information. It is preferable to check whether the VoIP terminal 100 has the selective payment (or financial transaction) function according to the communication medium identification shown in FIG.

If the validity of the received payment request information is not confirmed (2610), the server generates payment request information error information and transmits it to the payment agency server 115 (2615), according to the VoIP message exchange standard. A message including the payment request information error is generated (2620), and the message including the payment request error is transmitted to the terminal according to the VoIP message exchange protocol in connection with the gatekeeper 140 on the VoIP system (2625). ).

On the other hand, if the validity of the received payment request information is confirmed (2610), the server checks whether the platform OTP is included in the payment request information (2630).

According to another exemplary embodiment of the present invention, the server may check whether a platform OTP corresponding to the payment request information is received from the client terminal 105 in addition to the second communication medium of the terminal and received through the IP communication network. The present invention is not limited thereto.

If the payment request information includes the platform OTP (2635), the server checks the validity of the platform OTP (2640).

If the validity of the platform OTP is not confirmed (2645), the server generates payment request information error information and transmits it to the payment agency server 115 (2615), and the payment request according to the VoIP message exchange specification. A message including an information error is generated (2620), and the message including the payment request error is transmitted to the terminal in accordance with a VoIP message exchange protocol in connection with the gatekeeper 140 on the VoIP system (2625).

On the other hand, if the validity of the platform OTP is confirmed (2645), or if the platform OTP is not included in the payment request information (2635), the server displays the payment information and the card information included in the payment request information in Figure 23 Transfer to the van server 125 shown in (2650), in response to the van server 125 checks the card company corresponding to the card information, and then the payment information and the card to the confirmed card company server 130 The information is transmitted (2655).

Thereafter, the van server 125 receives the payment result through the payment information and the card information from the card company server 130 and transmits the result to the server (2660). In response, the server receives the payment result information. To the payment server 115 (2665), generate a message containing the payment result according to the VoIP message exchange standard (2670), and in conjunction with the gatekeeper 140 on the VoIP system VoIP The message including the payment result is transmitted to the terminal according to a message exchange protocol (2675).

FIG. 27 illustrates a payment processing process using payment request information transmitted through a second communication medium among a plurality of communication media connectable to the VoIP composite terminal 100 for ticket reservation / reservation according to another embodiment of the present invention. A diagram illustrating the process.

More specifically, FIG. 27 shows the VoIP composite terminal 100 via the first communication medium of the VoIP composite terminal 100 shown in FIG. 2 through the payment information providing process shown in FIG. 24 or 25. After the payment information is provided, it is connected to the client terminal 105 shown in FIG. 23 among a plurality of communication media including a wide area communication medium or a short range communication medium connectable to the VoIP composite terminal 100 shown in FIG. When the short range communication medium is used as the second communication medium of the VoIP composite terminal 100, the payment request information generated through the payment processing process shown in FIG. 9 and the transaction process shown in FIG. 10 is transmitted. As a process for processing a payment corresponding to the payment request information in the platform operation server 120 shown in FIG. 23, the general knowledge in the technical field to which the present invention belongs In this case, the payment is made using the payment request information transmitted through the second communication medium among the plurality of communication media connectable to the VoIP composite terminal 100 for ticket reservation / reservation by referring to and / or modifying the drawing 27. Various implementation methods for the process may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 27 to generate a payment request generated through the payment processing process shown in FIG. 8 and the transaction process shown in FIG. It will be possible to infer an implementation method for receiving information and payment processing, and the present invention is characterized in that it comprises all the inference possible implementation method.

Hereinafter, in FIG. 27, the VoIP composite terminal 100 shown in FIG. 2 is referred to as "terminal" for convenience, and the platform operation server 120 shown in FIG. 23 is referred to as "server" for convenience.

Referring to FIG. 27, after the payment information is provided to the terminal through the first communication medium of the terminal shown in FIG. 2 through the payment information providing process shown in FIG. 24 or 25, the payment information is shown in FIG. A short-range communication medium connected to the client terminal 105 shown in FIG. 23 as a second communication medium of the terminal, from among a plurality of communication media including a wide-range communication medium or a short-range communication medium that can be connected to the terminal. When the payment request information generated through the payment processing process shown in FIG. 9 and the transaction process shown in FIG. 10 is transmitted (2700), the client terminal 105 connected to the short-range communication channel through the terminal and the second communication medium is connected. ) Receives the payment request information and transmits the received payment request information to the server through an IP communication network to which the client terminal 105 is connected. (2705).

Thereafter, the server checks the validity of the payment request information received by the server through the IP communication network to which the client terminal 105 is connected after being transmitted to the client terminal 105 through the second communication medium of the terminal. (2710).

When the payment request information received through the second communication medium according to the embodiment of the present invention is encrypted, the server checks the decryption key for the encrypted payment request information in connection with the platform operation D / B, Preferably, the payment request information is decrypted through the decryption key.

In addition, the server compares the VoIP phone number included in the payment request information with the information of the VoIP complex terminal 100 provided in the platform operation D / B, and the VoIP terminal corresponding to the VoIP phone number included in the payment request information. It is preferable to check whether the VoIP terminal 100 has the selective payment (or financial transaction) function according to the communication medium identification shown in FIG.

If the validity of the received payment request information is not verified (2715), the server generates payment request information error information and transmits it to the payment agency server 115 (2720), according to the VoIP message exchange standard. A message including the payment request information error is generated (2725), and the message including the payment request error is transmitted to the terminal according to the VoIP message exchange protocol in connection with the gatekeeper 140 on the VoIP system (2730). ).

On the other hand, if the validity of the received payment request information is confirmed (2715), the server checks whether the platform OTP is included in the payment request information (2735).

According to another exemplary embodiment of the present invention, the server may check whether a platform OTP corresponding to the payment request information is received from the client terminal 105 in addition to the second communication medium of the terminal and received through the IP communication network. The present invention is not limited thereto.

If the payment request information includes the platform OTP (2740), the server checks the validity of the platform OTP (2745).

If the validity of the platform OTP is not confirmed (2750), the server generates payment request information error information and transmits it to the payment agency server 115 (2720), and the payment request according to the VoIP message exchange specification. A message including an information error is generated (2725), and the message including the payment request error is transmitted to the terminal in accordance with a VoIP message exchange protocol (2730) in association with the gatekeeper 140 on the VoIP system.

On the other hand, if the validity of the platform OTP is confirmed (2750) or if the platform request is not included in the payment request information (2740), the server displays the payment information and the card information included in the payment request information in FIG. Transfer to the van server 125 shown in (2755), and in response to the van server 125 confirms the card company corresponding to the card information, and then the payment information and the card to the confirmed card company server 130 The information is transmitted (2760).

Thereafter, the van server 125 receives the payment result through the payment information and the card information from the card company server 130 and transmits the result to the server (2765). In response, the server receives the payment result information. To the payment server 115 (2770), generate a message containing the payment result according to the VoIP message exchange standard (2775), and in conjunction with the gatekeeper 140 on the VoIP system VoIP The message including the payment result is transmitted to the terminal according to a message exchange protocol (2780).

28 is a diagram illustrating a process of receiving an electronic ticket and recording it on an IC card after payment processing according to an online ticket reservation / advance according to an embodiment of the present invention.

In more detail, FIG. 28 illustrates the purchase of at least one ticket by accessing the Internet reservation / booking server 110 from a client terminal 105 provided in a home, a store, an office, and the like. After the online payment for the corresponding payment amount, the electronic payment ticket for the online payment is provided to the VoIP composite terminal 100 having the selective payment (or financial transaction) function according to the communication medium identification shown in FIG. The process of recording to the IC card inserted into the VoIP composite terminal 100, and those having ordinary technical knowledge in the technical field to which the present invention pertains, refer to and modify this figure 24 to identify the communication medium. After the online payment payment according to the online ticket reservation / reservation using the VoIP composite terminal 100 having a selective payment (or financial transaction) function according to the VoIP Various implementation methods for the process of recording on the IC card inserted in the composite terminal 100 may be inferred, but the present invention includes all the implementation methods inferred above, and only with the implementation method shown in FIG. The technical features are not limited.

For example, a person having ordinary technical knowledge in the technical field to which the present invention belongs can easily write the electronic ticket on a separate IC card in addition to the method of recording the electronic ticket on the IC card inserted for the online payment. It may be inferred, but the present invention is not limited thereto.

Hereinafter, the VoIP composite terminal 100 shown in FIG. 2 is referred to as "terminal" in FIG. 28 and the platform operating server 120 shown in FIG. 23 is referred to as "server" for convenience.

Referring to FIG. 28, the server transmits a message including the payment result to the terminal according to a VoIP message exchange protocol in connection with the gatekeeper 140 on the VoIP system (2800).

Thereafter, the terminal transmits the electronic ticket request information to the internet reservation / booking server 110 (2805), and correspondingly, the internet reservation / booking server 110 transmits the electronic ticket request information to the electronic ticket request information. When the terminal checks whether the ticket is paid and transmits the terminal to the terminal, the terminal receives electronic ticket information corresponding to the electronic ticket request information from the internet reservation / purchase server 110 (2810).

Here, the electronic ticket request information may be transmitted from the client terminal 105 requesting payment processing or transmitted from the server, and thus the present invention is not limited thereto.

Thereafter, the terminal temporarily stores the received electronic ticket information in the memory unit 230 (2815), waits for the PIN input of the IC card inserted into the terminal, and confirms the input PIN (2820).

Here, the IC card may be an IC card inserted for payment processing, or may be a separate IC card for electronic ticket storage, and the present invention is not limited thereto.

In addition, the IC card is preferably provided with a separate electronic ticket storage area for electronic ticket recording.

If the PIN for the IC card is not correct (2825), the terminal generates and outputs error information about the input PIN (2830), and then ends the process.

In contrast, the terminal records the temporarily stored electronic ticket on the inserted IC card and deletes the temporarily stored electronic ticket (2835).

Here, the electronic ticket information to be recorded on the IC card may not be temporarily stored, thereby the present invention is not limited.

According to the present invention, there is an advantage that the card payment service can be used conveniently by directly paying through the card reader, rather than inputting a lot of information using a method such as Internet security payment or card number input.

In addition, by making an electronic ticket and making a reservation on the IC card through the Internet, it is advantageous in that there is no need for a separate waiting time for ticket issuance when visiting a movie theater or a performance hall.

Claims (7)

In the method of booking (or booking) an online ticket in a server that can be connected to a plurality of communication media at the same time and is connected to the VoIP terminal equipped with a card reader, When payment information including a VoIP phone number corresponding to the VoIP terminal and payment amount information is received from an Internet reservation / scheduling server on a communication network, the VoIP telephone number is selected from among a plurality of communication media connectable to the VoIP terminal. Determining a communication medium used as a communication identifier as a first communication medium, and transmitting the payment information to the VoIP terminal through the first communication medium; A second payment payment for a communication medium capable of agreeing with the VoIP terminal through the first communication medium to support retransmission of a lost packet in addition to the first communication medium among the plurality of communication media connectable to the VoIP terminal and to enable encrypted data communication; Determining a communication medium and then connecting a communication channel with the VoIP terminal through the second communication medium; The determined second communication after the card terminal reads card information from the customer card through the card reader, generates payment request information including the read card information and payment information received through the first communication medium; When the payment request information is transmitted through a medium, receiving the payment request information from the VoIP terminal through a communication network corresponding to the second communication medium; After confirming the VoIP phone number that received the payment request information through the second communication medium and compared with the VoIP phone number that transmitted the payment information to the VoIP terminal through the first communication medium received through the second communication medium Checking whether the payment information included in the payment request information and the payment information transmitted through the first communication medium match; If the payment information is matched by transmitting the payment information and the card information included in the payment request information to a van server (VAN) server, the VoIP reservation number corresponding to the communication identifier of the first communication medium is reserved for the Internet. / Transmitting to the booking server to process the electronic ticket to provide to the VoIP terminal; online ticket reservation (or advance reservation) method via a VoIP terminal comprising a. delete delete delete delete In the system that can be connected to a plurality of communication media at the same time and included in the server that is connected to the communication with the VoIP terminal having a card reader to reserve (or reserve) the online ticket, When payment information including the VoIP phone number corresponding to the VoIP terminal and payment amount information is received from an Internet reservation / scheduling server on a communication network, the VoIP telephone number is selected from among a plurality of communication media connectable to the VoIP terminal. Message transmission means for determining a communication medium used as a communication identifier as a first communication medium and transmitting the payment information to the VoIP terminal through the first communication medium; A second payment payment for a communication medium capable of agreeing with the VoIP terminal through the first communication medium to support retransmission of a lost packet in addition to the first communication medium among the plurality of communication media connectable to the VoIP terminal and to enable encrypted data communication; Interface means for connecting a communication channel with the VoIP terminal through the second communication medium after determining as a communication medium; The determined second communication after the card terminal reads card information from the customer card through the card reader, generates payment request information including the read card information and payment information received through the first communication medium; Information receiving means for receiving the payment request information from the VoIP terminal through a communication network corresponding to the second communication medium when the payment request information is transmitted through a medium; After confirming the VoIP phone number that received the payment request information through the second communication medium and compared with the VoIP phone number that transmitted the payment information to the VoIP terminal through the first communication medium received through the second communication medium Validity checking means for checking whether payment information included in payment request information and payment information transmitted through the first communication medium match; When the payment is approved by transmitting the payment information and the card information included in the payment request information to a van server, the VoIP phone number corresponding to the communication identifier of the first communication medium is transmitted to the internet reservation / reservation server. Online ticket reservation (or advance reservation) system via a VoIP terminal, characterized in that comprises; information transmission means. The method of claim 6, wherein the second communication medium, A wide area communication medium including a data communication-based IP communication network connectable to the VoIP terminal, or A short-range wireless communication medium of a packet-switching method for communicating with a client terminal located at a short distance of the VoIP terminal through a wireless communication repeater located at a short distance of the VoIP terminal, or A near field wired communication medium of a packet-switching method for communicating with a client terminal located near the VoIP terminal through a wired communication repeater located near the VoIP terminal, or A short range wireless communication medium of a direct communication method for connecting a short distance wireless communication with a client terminal located at a short distance of the VoIP terminal, or A short distance wired communication medium of a direct communication method for connecting a short distance wired communication with a client terminal located near the VoIP terminal, or And at least one optical communication medium for connecting optical communication with a client terminal located at a short distance of the VoIP terminal.

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