KR101006876B1 - System and Method for Settling Home-Shopping - Google Patents

Abstract

The present invention relates to a home shopping payment method and system using VIP and a recording medium therefor. The home shopping payment method using VIP according to the present invention includes home shopping information and broadcasting currently sold through broadcasting in home shopping. Storing product information and broadcasting product payment information and one or more additional product information and additional product payment information in a storage medium, starting a home shopping program by clicking a hotkey on the VoIP terminal, and selecting home shopping through the home shopping program When the information is selected (or input) and transmitted, receiving the home shopping selection information, and confirming the broadcast product information and one or more additional product information associated with the home shopping information corresponding to the home shopping selection information in association with the storage medium. And, to transmit to the VoIP terminal to be output through the home shopping program Receiving the purchase target product information and the customer authentication information by selecting a product to be purchased from among a plurality of product information through the home shopping program in the VoIP terminal, and inputting and transmitting the customer authentication information; Authenticating the validity of the customer authentication information in connection with the home shopping server corresponding to the product to be purchased, and when validating the customer authentication information, transmitting payment information about the product to be purchased to the VoIP terminal. And generating and transmitting a payment approval request message including card information and payment information read from a card reader through the home shopping program in the VoIP terminal, and receiving the payment approval request message. And processing the payment approval by reading the full approval request.

VIOIP, Home Shopping Payment

Description

System and Method for Settling Home-Shopping}

1 is a diagram showing the configuration of a home shopping payment system using VoIP according to an embodiment of the present invention.

2 is a diagram illustrating a functional configuration of a VoIP terminal having a home shopping payment function through a relay server according to an embodiment of the present invention.

3 is a diagram illustrating an operation of initializing a VoIP terminal and selecting a target product for purchase through a relay server according to an embodiment of the present invention.

4 is a diagram illustrating an operation process of a VoIP terminal for home shopping payment through a relay server according to an exemplary embodiment of the present invention.

5 is a diagram illustrating an operation process of a VoIP terminal for home shopping payment through a relay server according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a configuration of a VoIP-based home shopping payment system through a relay server according to an embodiment of the present invention.

7 is a diagram illustrating a VoIP-based home shopping payment process through a relay server according to an embodiment of the present invention.

8 is a diagram illustrating a VoIP-based home shopping payment approval request process through a relay server according to an embodiment of the present invention.

9 is a diagram illustrating a VoIP-based home shopping payment approval request process through a relay server according to another embodiment of the present invention.

10 is a diagram illustrating a payment approval process for VoIP-based home shopping payment through a relay server according to an embodiment of the present invention.

<Description of main parts of drawing>

100: bansa server 105: card company server

110: relay server 115: home shopping server

120: VoIP terminal 125: customer card

The present invention provides a method for storing home shopping information, broadcast product information and broadcast product payment information currently sold through broadcasting in home shopping, and storing one or more additional product information and payment information for each additional product in a storage medium, and at a VoIP terminal. When the home shopping program is started by clicking a hot key, and the home shopping selection information is selected (or input) through the home shopping program, the home shopping selection information is received and the home shopping selection information is linked to the storage medium. Identifying broadcasting product information and one or more additional product information associated with corresponding home shopping information, transmitting the same to the VoIP terminal and outputting the same through a home shopping program; and a plurality of product information through the home shopping program at the VoIP terminal. If you select a product to purchase from and enter the customer authentication information, Receiving the purchase target product information and the customer authentication information, authenticating the validity of the customer authentication information in connection with the home shopping server corresponding to the purchase target product information, and validating the customer authentication information. And transmitting and outputting payment information about the product to be purchased to the VoIP terminal, generating a full payment approval request message including card information and payment information read from a card reader through the home shopping program in the VoIP terminal. When transmitting, the present invention relates to a home shopping payment method using a VIP including receiving a payment approval request text and a process of reading the payment approval request text to be approved for payment.

Due to the continuous development of information and communication technology, Voice over Internet Protocol (VoIP) service, which provides voice call service through data communication network, has been commercialized, and it is gradually being activated by using low call rate and free call between subscribers as a marketing means.

On the other hand, the most representative economic activity that can be provided through the VoIP in the home provided with the VoIP service will be to purchase a home shopping product and watch the purchase price while watching the home shopping broadcast.

However, the home shopping payment through the VoIP terminal provides a voice call and a telephone payment using an automatic response service (ARS), similar to the home shopping payment using a conventional landline telephone, thereby properly taking advantage of a VoIP service having a data communication function. I cannot use it.

On the other hand, the home shopping payment that can be provided based on the data communication function of the VoIP is to download the payment information from each home shopping company to the VoIP terminal, and to check the payment information at the VoIP terminal, the payment processing such home shopping In the case of, the payment-related professional processing including the payment information includes a difficult problem is difficult to be practical.

An object of the present invention for solving the above problems, home shopping information, the storage product by linking the broadcasting product information and broadcast product payment information and one or more additional product information and payment information for each additional product currently sold through the home shopping Information storage means for storing the information and the home shopping selection information by clicking on a hotkey in the VoIP terminal, starting the home shopping program, selecting (or entering) the home shopping selection information through the home shopping program, and receiving the home shopping selection information and storing the information. A home shopping confirmation means for confirming a home shopping object to be purchased in association with a medium, and confirming the broadcast product information and one or more additional product information associated with the home shopping information corresponding to the home shopping selection information in connection with the storage medium, Product information transmission means for transmitting and processing to be output through the home shopping program; When the VoIP terminal selects a product to be purchased from a plurality of product information through the home shopping program, and inputs and transmits customer authentication information, information receiving means for receiving the product information and customer authentication information and the purchase object. Customer authentication means for authenticating the validity of the customer authentication information in connection with the home shopping server corresponding to the product information, and during the validity authentication of the customer authentication information, by transmitting the payment information for the product to be purchased to the VoIP terminal A payment receiving means for outputting the payment information and a receiving means for receiving the payment approval request message when the VoIP terminal generates and transmits a payment approval request message including the card information and payment information read from the card reader through the home shopping program. And, payment processing to process the payment approval request to read payment approval A home shopping settlement system using a VoIP comprising a stage to provide.

Home shopping payment method using VIP according to the present invention, home shopping information, by linking the broadcasting product information and broadcasting product payment information and one or more additional product information and payment information for each additional product that is currently sold through the broadcast on the home shopping Storing the information on a storage medium, starting a home shopping program by clicking a hot key on a VoIP terminal, receiving (or entering) home shopping selection information through the home shopping program, and receiving the home shopping selection information; Identifying the broadcasting product information and one or more additional product information associated with the home shopping information corresponding to the home shopping selection information in association with a storage medium, transmitting the processed information to the VoIP terminal, and outputting the same through a home shopping program; The product to be purchased among a plurality of product information through the home shopping program Selecting and inputting and transmitting the customer authentication information, receiving the product information and the customer authentication information for purchase, and verifying the validity of the customer authentication information in connection with the home shopping server corresponding to the product information to be purchased And transmitting and outputting payment information for the product to be purchased to the VoIP terminal when validating the customer authentication information, card information read from a card reader through the home shopping program at the VoIP terminal; When a payment approval request message including payment information is generated and transmitted, the method includes receiving the payment approval request message, and processing the payment approval request text to be approved for payment.

Home shopping payment method using the VIP according to the present invention, in connection with one or more home shopping server, the broadcasting product information and broadcasting product payment information and one or more additional product information and additional product payment currently sold through broadcasting in each home shopping Periodically checking the information, and converting the identified broadcasting product information and additional product information for each home shopping into a data structure that can be output through a product selection interface of the home shopping program.

The home shopping payment method using VIP according to the present invention further comprises the step of connecting a communication terminal for payment with the VoIP terminal and home shopping, and authenticating the validity of the card reader and the home shopping program provided in the VoIP terminal. It is characterized by.

Home shopping payment method using a V IP according to the present invention, in connection with one or more home shopping server to confirm whether the broadcast product currently sold through the broadcast in each home shopping is changed to another product, and the change to another product is confirmed Checking a VoIP terminal provided with the broadcast product information before the change, transmitting a broadcast product change message to the confirmed VoIP terminal, requesting approval of the change of the broadcast product information through a home shopping program, and the VoIP terminal. When receiving the broadcast product change approval information, characterized in that it further comprises the step of transmitting the changed broadcast product information to the VoIP terminal to be output through the home shopping program.

In the home shopping payment method using VIP according to the present invention, the additional product information includes one or more popular product information sold in each home shopping, or the corresponding broadcast before the current broadcast product of each home shopping is broadcasted. One or more packages containing information of one or more previous broadcast products sold through, or one or more similar product information contained in the same product category as the current broadcast product of each home shopping, or packaged with the current broadcast product of each home shopping It is characterized by including the product information.

In the home shopping payment method using VIP according to the present invention, the payment information, home shopping payment target information-credit card merchant information for each payment means corresponding to the card information read through the card reader provided in the VoIP terminal, Or home shopping account information, and payment amount information for each payment method.

In the home shopping payment method using VIP according to the present invention, the payment information further comprises one or more VoIP terminal incentive information and incentive information for each payment means corresponding to the product purchase through the VoIP terminal. do.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-described home shopping payment method using VIO IP.

On the other hand, the home shopping payment system using VIP according to the present invention, home shopping information, broadcast product information and broadcast product payment information and one or more additional product information and payment information for each additional product that is currently sold through the broadcast in home shopping When the home shopping program is activated by clicking a hot key on the VoIP terminal, and the home shopping selection information is selected (or input) through the home shopping program and transmitted, the home shopping selection information is received. A home shopping confirmation means for confirming a home shopping object to be purchased in association with the storage medium, and confirms broadcast product information and one or more additional product information associated with home shopping information corresponding to the home shopping selection information in connection with the storage medium, Product processed to be transmitted to VoIP terminal and output through home shopping program Information transmission means for receiving the purchase target product information and the customer authentication information when the target product is selected from among a plurality of product information through the home shopping program in the VoIP terminal and the customer authentication information is transmitted. And customer authentication means for authenticating the validity of the customer authentication information in association with the home shopping server corresponding to the product to be purchased, and when the validity of the customer authentication information is verified, the payment information for the product to be purchased. Payment information transmission means for transmitting and outputting to the VoIP terminal, and when the VoIP terminal generates and transmits a payment approval request message including the card information and payment information read from the card reader through the home shopping program, the payment approval request message is sent. Receive the specialized receiving means for receiving and the payment approval request by reading the full text of the payment approval request By having a re-settlement processing means it is characterized in that formed.

On the other hand, home shopping payment method using a V IP according to the present invention, when the home shopping program is activated by clicking a hot key on the VoIP terminal, outputting the home shopping selection interface of the home shopping program on the VoIP terminal screen, the home shopping When the target home shopping is selected through a selection interface, transmitting the home shopping selection information, receiving the broadcast product information and one or more additional product information sold by the target home shopping, and outputting the same through the product selection interface of the home shopping program. And if the target product information is selected through the product selection interface, outputting a customer authentication interface of the home shopping program, and when the customer authentication information is input through the customer authentication interface, Send customer authentication information And receiving payment information corresponding to the product to be purchased-payment amount information for each payment means and home shopping payment object information for each payment means-and outputting the payment information through the payment interface of the home shopping program. When the card information is read, the payment authorization information including the read card information, payment amount information for each payment method included in the payment information, and home shopping payment target information for each payment method, such as credit card merchant information or home shopping account information, is included. It characterized in that it comprises a step of generating and transmitting.

Home shopping payment system method using a V IP according to the present invention, characterized in that further comprises the step of converting the VoIP-based communication channel to the data communication channel.

In the home shopping payment method using the VIP according to the present invention, the step of outputting a payment method selection interface to process the payment amount included in the payment information, and when the payment target payment means is selected, corresponding to the selected payment means The method further comprises the step of confirming the payment amount information for each payment means-payment amount applied incentives for each payment means-and the target information of the home shopping payment for each payment method.

The home shopping payment method using VIP according to the present invention further includes a step of checking whether the read card information matches the payment method selected through the payment method selection interface when the card information is read through the card reader. Characterized in that made.

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

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

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

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

1 is a diagram showing the configuration of a home shopping payment system using VoIP according to an embodiment of the present invention.

In more detail, FIG. 1 shows home shopping through a home shopping payment platform provided by a relay server on a communication network connected to a VoIP terminal 120 having a card reader and a home shopping program (or virtual machine) provided at the VoIP terminal 120. The present invention relates to a system for processing payments, and those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 1 to infer various implementation methods for configuring a home shopping payment system using the VoIP. Although the present invention may be implemented, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 1, the home shopping payment system using the VoIP includes a home shopping payment system interworking with a home shopping program provided in the VoIP terminal 120 in cooperation with a plurality of home shopping companies and a VoIP terminal 120 including the home shopping program. A relay server providing a platform and one or more home shopping companies are provided, and the broadcasting server provides broadcasting product information, broadcasting product payment information, one or more additional product information, and payment information for each additional product. Share, the home shopping server 115 for processing the customer authentication through the relay server, and the customer card 125 to the customer using the VoIP terminal 120, and the payment approval through the customer card 125 It includes a card company server 105 for processing and a bansa server 100 provided in a communication network for relaying the VoIP terminal 120 (or relay server) and the card company server 105. It is characterized by made.

2 is a diagram illustrating a functional configuration of a VoIP terminal 120 having a home shopping payment function through a relay server according to an embodiment of the present invention.

More specifically, Figure 2 is a method for implementing a VoIP terminal 120 having a home shopping payment function through a relay server on a communication network to which the VoIP terminal 120 is connected. If you have, it will be able to infer the configuration of various VoIP terminal 120 having a home shopping payment function by referring to and / or modifying the present Figure 2, but the present invention comprises all the inferred implementation method, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 2, the VoIP terminal 120 for home shopping payment basically includes a control unit 200, a memory unit 225, a card reader unit 205, a key input unit 215, a screen output unit 210, and a sound. It includes a processing unit 220, a security application module 235 and a power supply unit 230 for supplying power to the VoIP terminal 120, the gateway (or gate through a communication network connected to the VoIP terminal 120) Keeper) and a VoIP communication channel or a communication processor 240 for connecting a data communication channel with a relay server to a communication network connected to the VoIP terminal 120, according to the intention of the skilled person It is possible to further comprise at least one or more terminal functional units (not shown).

The control unit 200 controls the overall operation of the VoIP terminal 120 in the functional configuration, manages the flow of information or data between each component, provided in the VoIP terminal 120 for the home shopping payment function through a relay server And at least one processor and an execution memory (for example, a register or a RAM) including a central processing unit (CPU) and a micro processing unit (MPU) in hardware. Random Access Memory)) and a bus for inputting and outputting predetermined data, and from a predetermined recording medium to the execution memory in order to perform a function specific to the VoIP terminal 120 in software. Contains program routines or program data that are loaded and computed by the processor (and thus In addition, a predetermined program recorded on a recording medium provided in the VoIP terminal 120 for the home shopping payment function through the relay server, or a component that can be processed in software among the functional components provided in the VoIP terminal 120. To be provided in the control unit 200).

According to an exemplary embodiment of the present invention, the controller 200 outputs a component (eg, the memory unit 225, the card reader unit 205, the key input unit 215, and a screen) provided in the VoIP terminal 120. The electronic payment service defined in the VoIP terminal 120 by interworking the unit 210, the security application module 235 and the communication processing unit 240, or a terminal function unit (not shown) according to the intention of a person skilled in the art. In addition to controlling and managing the information provided, the components provided in the VoIP terminal 120 for home shopping payment are interoperated with each other, or the recording medium provided in the VoIP terminal 120 for the home shopping payment. It is preferable to execute the program to be recorded.

The memory unit 225 may be input / output 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 terminal 120 or General term for non-volatile memory for storing data, including at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EPEROM) or Flash Memory (FM) or Hard Disk Drive (HDD). It is characterized in that the predetermined program routine and program data (for example, data input or output for the program routine to perform a predetermined function) required for the control unit 200 to perform a predetermined control function is stored. It is done.

Customers using the VoIP terminal 120, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, or based on the ISO / IEC 7816 standard contact IC card (or wireless IC chip), or ISO / Based on the IEC 14443 standard, it possesses (or owns) a card including at least one contactless IC card (or wireless IC chip), and the card reader unit 205 has at least one information or data provided in the card. It provides an interface for reading the.

According to the method of the present invention, the card reader unit 205 is an MS reader unit that provides an interface between the MS card and the VoIP terminal 120, or an interface between the contact IC card and the VoIP terminal 120. It comprises a contact IC reader unit for providing, or a contactless IC reader unit for providing an interface between the contactless IC card and the VoIP terminal 120.

The MS reader unit is a card reader unit 205 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data to the VoIP terminal 120 from at least one track (Track) provided in the MS of the MS card by using the loaded.

The contact IC reader unit is a card reader unit 205 based on ISO / IEC 7816, and includes at least one contact point making 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) It is characterized in that the interface to the VoIP terminal 120.

The contactless IC reader unit is a card reader unit 205 based on ISO / IEC 14443, and includes at least one or more electrical contacts in contact with the contactless IC card by using capacitive coupling or inductive coupling. It includes an antenna, and supplies power to the IC chip of the IC card through the antenna, and transmits predetermined information or data from the IC chip through the half duplex transaction using APDU (VoIP terminal) 120).

According to an embodiment of the present invention, the card reader unit 205 is provided with predetermined card information (eg, in a card) from at least one or more card reader units 205 for the electronic payment service defined in the VoIP terminal 120. Payment means information corresponding to a payment method including at least one credit card, a debit card, a debit card, a cash card, and a financial account). It is desirable to read card information.

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

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

The key input unit 215 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Detects information (or signal) inputted from the terminal, and predetermined information from a predetermined key button provided in the key input device in a specific input mode or operation mode of the VoIP terminal 120 controlled by the controller 200. When a (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 200. Acquiring predetermined key data corresponding to the key event in the current input mode or operation mode of the VoIP terminal 120, or executing a predetermined function matched with the key event. It is characterized by obtaining a command. The key input unit 215 and the key input device including at least one key button interwork with each other to perform a function of key input means provided in the VoIP terminal 120.

The key input device interoperating with the key input unit 215 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 215 may include key data corresponding to the electronic payment service (eg, a payment amount) from at least one or more key input devices for the electronic payment service defined in the VoIP terminal 120. It is preferable to perform the function of the key input means for receiving the input), and also performs the function of the key input means for receiving at least one or more key data required in the home shopping payment providing process from the key input device for home shopping payment It is desirable to.

According to the exemplary embodiment of the present invention, the key input device corresponding to the key input unit 215 may set a hot key for home shopping payment in the initial mode, voice call mode, or data communication mode of the VoIP terminal 120. Key) is preferably provided.

The screen output unit 210 is a liquid crystal display (LCD) or a cathode ray tube (CRT) by the control unit 200 in the process of the VoIP terminal 120 performs a predetermined function (for example, an electronic payment processing function). Outputting at least one or more information or data that is predefined or defined in real time to be output to a predetermined display output device including a) through a predefined interface screen, and the screen output unit 210 and the screen output Devices interoperate with each other to perform the function of screen output means provided in the VoIP terminal 120.

The predefined information or data to be output from the VoIP terminal 120 to the screen output device may be provided by key data input through the key input unit 215 or a component provided in the VoIP terminal 120. Information (or data) stored or generated, information (or data) transmitted or received through at least one communication processor 240, or information (or data) corresponding to a predetermined operation result performed by the VoIP terminal 120. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 210 screen for outputting the electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the VoIP terminal 120 It is preferable to perform a function of an output means, and to perform a function of a screen output means for outputting a processing screen corresponding to the home shopping payment providing step to the screen output device for home shopping payment.

The sound processor 220 is a function component that processes input and output of sound in the voice call mode of the VoIP terminal 120. The sound processor 220 decodes at least one encoded sound data (or voice data) to decode the VoIP. It is provided with a vocoder and a codec which are outputted to a speaker provided in the terminal 120 or encoded by encoding a sound signal input through a microphone provided in the VoIP terminal 120. It is characterized by.

The communication processor 240 connects a VoIP communication channel (eg, a VoIP based voice channel or a VoIP based data channel) between the VoIP terminal 120 and a gateway (or gatekeeper), or transmits data to a relay server on a communication network. It is characterized by connecting the communication channel.

The secure application module 235 (SAM) is a confidentiality or authentication or integrity or non-repudiation required for the VoIP terminal 120 to perform the home shopping payment. As a safety device for performing security requirements including nonrepudiation) in a secure and reliable structure within the VoIP terminal 120 without using an authentication server (not shown) on a payment network, the VoIP terminal 120 An authenticator who encrypts or decrypts a predetermined message (information or data) processed in the course of performing this predetermined security request function (e.g., electronic payment or electronic payment function) and prevents forgery (or tampering) of the message. In addition, or in the process of performing the security request function, characterized in that for performing the function of storing important information.

In general, the security application module 235 is preferably composed of a predetermined security application module 235 inserter and the security application module 235 chip, the security application module 235 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 235 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the VoIP terminal 120 to perform a predetermined security request function ) Or key (e.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol, Authorization protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / remove command) It is preferable to comprise a).

Referring to FIG. 2, when a hot key is input through the key input unit 215, the VoIP terminal 120 checks whether the VoIP terminal 120 is connected to a VoIP based communication channel, and performs the VoIP based communication. When checking the channel, a communication channel switching unit 245 for converting the VoIP based communication channel into a data communication channel between the VoIP terminal 120 and the relay server, and selecting the home shopping program of the home shopping program on the screen of the VoIP terminal 120. Home shopping selection interface output unit 250 for outputting an interface, when the target home shopping is selected through the home shopping selection interface, the home shopping information transmission unit 255 for transmitting the home shopping selection information, and the home shopping to sell A product selection interface output unit 260 for receiving broadcast product information and one or more additional product information and outputting the same through a product selection interface of the home shopping program And, if the target product information is selected through the product selection interface, the customer authentication interface output unit 265 for outputting the customer authentication interface of the home shopping program, and if the customer authentication information is input through the customer authentication interface, An information transmitter 270 for transmitting the purchase target product information and customer authentication information, a payment interface output unit 275 for receiving payment information corresponding to the purchase target product and outputting the payment information through the payment interface of the home shopping program; When the card information is read through the card reader unit 205, the amount of payment information for each payment method included in the read card information and the payment information and home shopping payment target information for each payment method (eg, credit card merchant information, Or a professional processing unit 280 for generating and transmitting a payment approval request text including home shopping account information). And a payment means selection interface output unit 285 for outputting a payment means selection interface for processing a payment amount included in the payment information, and when the payment target payment means is selected, the selected payment means A payment information verification unit 295 for confirming the home shopping payment target information for each payment method corresponding to the payment information, and the card information is read through the card reader unit 205 after the payment target payment method is selected, the read card It further comprises a payment means confirmation unit 290 for confirming whether the information is matched with the payment means selected through the payment method selection interface.

A customer using the VoIP terminal 120 determines a target product to be purchased from home shopping or a product to be purchased at home shopping while watching the home shopping, and receives a hotkey through a key input unit 215 provided in the VoIP terminal 120. Press, the communication channel switching unit 245 is characterized in that the VoIP terminal 120 checks whether the VoIP-based communication channel is connected.

Upon confirmation of the VoIP based communication channel, the communication channel switching unit 245 converts the VoIP based communication channel into a data communication channel between the VoIP terminal 120 and the relay server, and the VoIP terminal 120 through the communication network. ) And a data communication channel between the relay server.

According to the exemplary embodiment of the present invention, when the VoIP terminal 120 supports a plurality of communication channels, the communication channel switching unit 245 relays with the VoIP terminal 120 while maintaining the VoIP based communication channel. It is desirable to connect data communication channels between servers.

When the data communication channel between the VoIP terminal 120 and the relay server is connected, the home shopping selection interface output unit 250 outputs the home shopping selection interface of the home shopping program on the screen of the VoIP terminal 120. .

According to the exemplary embodiment of the present invention, the home shopping selection interface preferably includes a user interface for selecting a home shopping target of purchase among a plurality of home shopping affiliated to process home shopping payment through the relay server.

When the target home shopping is selected through the home shopping selection interface, the home shopping information transmission unit 255 transmits the home shopping selection information selected through the home shopping selection interface to a relay server on a communication network.

At this time, the relay server checks the broadcast product information and one or more additional product information currently sold through the broadcast in the home shopping corresponding to the home shopping selection information, and the broadcast product information and the one or more additional product information The product selection interface output unit 260 receives broadcast product information and one or more additional product information sold by the target home shopping, and receives the received broadcast product information and one. Characterized in that the output through the product selection interface including a user interface for selecting the product information to purchase of the additional product information.

According to an embodiment of the present invention, the additional product information includes one or more popular product information sold in each home shopping, or one or more previous broadcasting products sold through a corresponding broadcast before the current broadcasting product of each home shopping is broadcast. It is preferable that the information includes one or more similar product information included in the same product category as the current broadcast product of each home shopping, or one or more package product information packaged with the current broadcast product of each home shopping. Do.

When the purchase target product information is selected from the broadcast product information and one or more additional product information through the product selection interface, the information transmitter 270 transmits the purchase target product information to the relay server on the communication network. .

Alternatively, when the purchase target product information among the broadcast product information and the one or more additional product information is selected through the product selection interface, the customer authentication interface output unit 265 may register the customer authentication information registered in the purchase target home shopping server 115. Characterized in that outputting the customer authentication interface to input.

When the customer authentication information is input through the customer authentication interface, the information transmitter 270 may transmit the customer authentication information to the relay server on the communication network.

According to the exemplary embodiment of the present invention, after the purchase target product information is selected through the product selection interface, the customer authentication interface is output, and the purchase target product information is selected through the product selection interface, and the customer When customer authentication information is input through an authentication interface, the information transmission unit 270 preferably transmits the purchase target product information and customer authentication information to a relay server on a communication network.

At this time, the relay server checks payment information (for example, payment amount information for each payment method and payment information for home shopping for each payment method) corresponding to the product information to be purchased, and checks the verified payment information for the VoIP terminal ( 120).

According to the exemplary embodiment of the present invention, the payment information is home shopping payment target information for each payment method (for example, a credit card affiliate store) corresponding to card information read through the card reader unit 205 provided in the VoIP terminal 120. Information or home shopping account information, and payment amount information for each payment method (for example, a payment amount with an incentive according to the payment method).

When the payment information is received, the payment interface output unit 275 receives payment information corresponding to the product to be purchased, and outputs the received payment information through a payment interface. The card reader unit 205 preferably comprises a user interface for processing to read the card information corresponding to the payment means from the customer card 125.

According to an exemplary embodiment of the present invention, before the payment interface output unit 275 outputs the payment interface, the payment method selection interface output unit 285 may read card information through the card reader unit 205. It is preferable to output a payment means selection interface for selecting a payment means for processing the payment for the purchase price corresponding to the product to be purchased among a plurality of payment means corresponding to the, in this case, the information transmission unit 270 is selected It is preferable to transmit the payment means selection information to the relay server on the communication network, in response to the relay server payment information matching the payment means selection information of the payment information corresponding to the product information to be purchased (eg, for each payment method) It is desirable to transmit the payment amount information, and information on the payment of home shopping by payment means) to the VoIP terminal 120. It is.

According to the embodiment of the present invention, the payment means selection interface may be output in the form of a user interface belonging to the payment interface, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the payment method selection interface is not output before the payment interface output unit 275 outputs the payment interface, the relay server may perform payment corresponding to the purchase target product information. The VoIP terminal 120 provides a plurality of payment information (eg, payment amount information for each payment method and home shopping payment target information for each payment method) corresponding to a plurality of payment means that can be read through the card reader unit 205 among the information. In a case where a plurality of payment information corresponding to each of the plurality of payment means is received, the payment means selection interface output unit 285 may include a plurality of payment means respectively corresponding to the plurality of payment information. It is preferable to output a payment method selection interface for selecting any one, and through the payment method selection interface When the payment target payment method is selected, the payment information checking unit 295 checks the payment information of the home shopping for each payment method included in the payment information corresponding to the selected payment method among the plurality of payment information received. desirable.

According to an embodiment of the present invention, when the selected payment means includes a credit card payment means, the payment information for home shopping for each payment means preferably includes credit card affiliate store information corresponding to the purchase home shopping.

According to another exemplary embodiment of the present invention, when the selected payment means includes an account transfer payment means, the payment information for home shopping for each payment means preferably includes home shopping account information corresponding to the home shopping object for purchase.

After the payment target payment method is selected through the payment method selection interface, when the card information is read through the card reader unit 205, the payment method confirmation unit 290 is read through the card reader unit 205. The card information may be read to determine whether the card information matches the payment method selected through the payment method selection interface.

For example, when the credit card payment method is selected through the payment method selection interface, the payment method checking unit 290 checks whether the card information read through the card reader unit 205 corresponds to the bank transfer payment method. It is preferable.

If the payment means selected through the payment means selection interface and the payment means corresponding to the card information read through the card reader unit 205 are different, the payment information verification unit 295 is a plurality of payment from the relay server It is preferable to check payment information (for example, payment amount information for each payment method and home shopping payment target information for each payment method) corresponding to the payment method corresponding to the card information.

Payment information corresponding to the payment means corresponding to the read card information in the payment information received from the relay server according to an embodiment of the present invention (for example, payment amount information for each payment method and home shopping payment target information for each payment method) Is not included, the payment information verification unit 295 is the home shopping payment is terminated, or the payment information corresponding to the payment means corresponding to the card information from the relay server (for example, payment amount information for each payment method and Home shopping payment target information for each payment method) is preferably performed.

According to another embodiment of the present invention, the payment information corresponding to the payment means corresponding to the read card information in the payment information received from the relay server (for example, payment amount information for each payment method and home shopping payment target information for each payment method). ), The payment information confirming unit 295 includes payment information corresponding to a payment method corresponding to the card information among the plurality of payment information received from the relay server (for example, payment amount information for each payment method and payment). Home shopping payment target information for each means) is preferably checked.

When the payment amount information for each payment method and the home shopping separate target information for each payment method are confirmed, and the card information corresponding to the payment method is read through the card reader unit 205, the specialized processing unit 280 reads the read information. Card information and payment amount information for each payment method included in the payment information (for example, payment amount information applied with incentive information for each payment method) and home shopping payment target information for each payment method (for example, credit card merchant information or home shopping account information) Generate a payment approval request full text including a, characterized in that for transmitting the generated payment approval request full text to the relay server.

Thereafter, the professional processing unit 280 may further include receiving a payment approval result text corresponding to the payment approval request text message from the relay server, and outputting the payment approval result screen.

3 is a diagram illustrating a procedure of initializing and selecting a purchase target product of the VoIP terminal 120 for home shopping payment through a relay server according to an embodiment of the present invention.

In more detail, in FIG. 3, when the home shopping program (eg, a virtual machine for home shopping payment) is started by pressing a hot key in the VoIP terminal 120 illustrated in FIG. 2, the home shopping program is the VoIP terminal 120. The VoIP terminal 120 for initializing the home shopping payment function through the relay server using a resource and selecting a product to be purchased through the relay server, which is commonly used in the technical field to which the present invention pertains. If you have, it will be able to infer the process of initializing the VoIP terminal 120 for the home shopping payment through the relay server and the product selection operation by referring to and / or modifying the present Figure 3, 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.

3, the home shopping program operates using the resources of the VoIP terminal 120.

Referring to FIG. 3, when the home shopping program is executed by pressing a hot key in the VoIP terminal 120 illustrated in FIG. 2 (300), the VoIP terminal 120 (home shopping program) is connected to the VoIP terminal 120 based on VoIP. It is checked whether a communication channel (eg, a VoIP based voice channel or a VoIP based data channel) is connected (305).

If the VoIP terminal communication channel is not connected to the VoIP terminal 120 (310), the VoIP terminal 120 connects the data communication channel with the relay server (315), if the data communication channel is connected In operation 320, the VoIP terminal 120 outputs a home shopping selection interface and checks whether home shopping selection is selected through the home shopping selection interface (340).

On the other hand, if the VoIP terminal communication channel is connected to the VoIP terminal 120 (310), the VoIP terminal 120 is switched to the data communication channel between the VoIP terminal 120 and the relay server and In operation 325, the relay server connects a data communication channel. If the communication channel is switched and the relay server and the data communication channel are connected (330), the VoIP terminal 120 outputs a home shopping selection interface, and checks whether home shopping shopping is selected through the home shopping selection interface ( 335).

If the target home shopping is selected through the home shopping selection interface (340), the VoIP terminal 120 transmits the home shopping selection information to the relay server through the communication channel, and corresponds to the home shopping selection information from the relay server. In step 345, broadcast product information and one or more additional product information sold in the home shopping are received.

According to an embodiment of the present invention, the additional product information includes one or more popular product information sold in each home shopping, or one or more previous broadcasting products sold through a corresponding broadcast before the current broadcasting product of each home shopping is broadcast. It is preferable that the information includes one or more similar product information included in the same product category as the current broadcast product of each home shopping, or one or more package product information packaged with the current broadcast product of each home shopping. Do.

If the broadcast product information and one or more additional product information sold in the home shopping are received (350), the VoIP terminal 120 outputs a product selection interface, and the broadcast product information sold in the home shopping through the product selection interface. In operation 355, the target product information is selected from among at least one additional product information.

If the purchase target product information is selected (360), the VoIP terminal 120 outputs a customer authentication interface, and checks whether the customer authentication information is input through the customer authentication interface (365).

If customer authentication information is input through the customer authentication interface (370), the VoIP terminal 120 performs the operation of the VoIP terminal 120 shown in Figs.

4 is a diagram illustrating an operation process of the VoIP terminal 120 for home shopping payment through a relay server according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 shows a process shown in FIG. 3 after the home shopping program (for example, a virtual machine for home shopping payment) is started by pressing a hot key in the VoIP terminal 120 shown in FIG. When a product to be initialized and purchased is selected through the home shopping program, the home shopping program uses the resources of the VoIP terminal 120 to process a home shopping payment through a relay server. In FIG. 120, a method of processing home shopping payment by receiving payment information for a plurality of payment methods from the relay server and selecting a payment target payment method is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 4 to infer an operation process of the VoIP terminal 120 for home shopping payment through the relay server. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG.

Hereinafter, in FIG. 4, the home shopping program operates using the resources of the VoIP terminal 120, mainly based on the VoIP terminal 120.

Referring to FIG. 4, after the home shopping program (for example, a virtual machine for home shopping payment) is started by pressing a hot key in the VoIP terminal 120 shown in FIG. 2, the process shown in FIG. When the product to be initialized and purchased is selected and customer authentication information is input through a customer authentication interface, the VoIP terminal 120 (home shopping program) transmits the product to be purchased and customer authentication information through the communication channel to the relay server. After transmitting to the 110, it is determined whether a plurality of payment information for each payment means is received from the relay server through the communication channel (400).

According to an embodiment of the present invention, the payment information is home shopping payment target information for each payment method (for example, credit card affiliate store information or home shopping account information) corresponding to card information read through a card reader provided in the VoIP phone. And payment amount information for each payment method (eg, a payment amount to which an incentive according to the payment method is applied).

If payment information for a plurality of payment means is received through the communication channel (405), the VoIP terminal 120 outputs the received payment information for the plurality of payment means through a payment interface, and the plurality of payment means A payment method selection interface for selecting a payment target payment method among a plurality of payment means corresponding to the respective payment information is output (410), and the payment method selection interface is checked through the payment method selection interface (415).

If the payment target payment means is selected (420), the VoIP terminal 120 checks whether the card information from the customer card 125 through the card reader provided in the VoIP terminal 120 based on the payment interface (425).

If the card information is read (430), the VoIP terminal 120 confirms the payment means corresponding to the read card information, and the payment means corresponding to the card information is selected through the payment means interface. It checks whether the match with (435).

According to an embodiment of the present invention, when the selected payment means includes a credit card payment means, the payment information for home shopping for each payment means preferably includes credit card affiliate store information corresponding to the purchase home shopping.

According to another exemplary embodiment of the present invention, when the selected payment means includes an account transfer payment means, the payment information for home shopping for each payment means preferably includes home shopping account information corresponding to the home shopping object for purchase.

If the payment means corresponding to the card information does not match the payment means selected through the payment means interface (440), the VoIP terminal 120 corresponds to the card information of the received payment information for the plurality of payment means The payment information for each payment method corresponding to the payment method is checked (445), and a payment approval request text including the read card information and the verified payment information is generated (450).

On the other hand, when the payment means corresponding to the card information and the payment means selected through the payment means interface (440), the VoIP terminal 120 includes the payment card information and the confirmed payment information request Generate a full text (450).

Thereafter, the VoIP terminal 120 transmits the generated payment approval request message to the relay server through the communication channel (455).

5 is a diagram illustrating an operation process of the VoIP terminal 120 for home shopping payment through a relay server according to another exemplary embodiment of the present invention.

In more detail, FIG. 5 shows a process shown in FIG. 3 after the home shopping program (for example, a virtual machine for home shopping payment) is started by pressing a hot key in the VoIP terminal 120 shown in FIG. When a product to be initialized and purchased is selected through the home shopping program, the home shopping program uses the resources of the VoIP terminal 120 to process a home shopping payment through a relay server. 120 is a diagram illustrating an embodiment of a method of processing home shopping by receiving payment information for each selected payment method from the relay server after selecting a payment target payment method.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 5 to infer an operation process of the VoIP terminal 120 for home shopping payment through the relay server. The present invention includes all implementation methods inferred above, and the technical features are not limited only to the implementation method illustrated in FIG. 5.

Hereinafter, the home shopping program in FIG. 5 will be described using the VoIP terminal 120 as a main body to operate using the resources of the VoIP terminal 120.

Referring to FIG. 5, after a home shopping program (eg, a virtual machine for home shopping payment) is started by pressing a hot key in the VoIP terminal 120 illustrated in FIG. 2, the process shown in FIG. 3 is performed. When a product to be initialized and purchased is selected and customer authentication information is input through a customer authentication interface, the VoIP terminal 120 (home shopping program) outputs a payment means selection interface for selecting a payment target payment method, and the payment means It is checked whether a payment target payment method is selected through the selection interface (500).

If a payment target payment method is selected (505), the VoIP terminal 120 transmits the purchase target product information, customer authentication information and payment method selection information to the relay server 110 through the communication channel, It is checked whether payment information for each payment means corresponding to the selected payment means is received from the relay server through the communication channel (510).

According to an embodiment of the present invention, the payment information is home shopping payment target information for each payment method (for example, credit card affiliate store information or home shopping account information) corresponding to card information read through a card reader provided in the VoIP phone. And payment amount information for each payment method (eg, a payment amount to which an incentive according to the payment method is applied).

If payment information for a plurality of payment means is received through the communication channel (515), the VoIP terminal 120 outputs the received payment information for the plurality of payment means through a payment interface and the payment interface. Based on the card reader provided in the VoIP terminal 120, it is checked whether card information is read from the customer card 125 (520).

If the card information is read (525), the VoIP terminal 120 confirms the payment means corresponding to the read card information, and the payment means corresponding to the card information is selected through the payment means interface. Check whether it matches with (530).

According to an embodiment of the present invention, when the selected payment means includes a credit card payment means, the payment information for home shopping for each payment means preferably includes credit card affiliate store information corresponding to the purchase home shopping.

According to another exemplary embodiment of the present invention, when the selected payment means includes an account transfer payment means, the payment information for home shopping for each payment means preferably includes home shopping account information corresponding to the home shopping object for purchase.

If the payment means corresponding to the card information does not match with the payment means selected through the payment means interface (535), the VoIP terminal 120 receives the payment means selection information corresponding to the card information through the communication channel. Transmitting to a relay server, checking whether payment information corresponding to the payment means is received through the communication channel (540), and if the payment information is received (545), the VoIP terminal reads the read card information and the In operation 550, the payment approval request message including the confirmed payment information is generated.

On the other hand, if the payment means corresponding to the card information and the payment means selected through the payment means interface (535), the VoIP terminal 120, the payment approval request including the read card information and the confirmed payment information Generate a full text (550).

Thereafter, the VoIP terminal 120 transmits the generated payment approval request message to the relay server through the communication channel (555).

6 is a diagram showing the configuration of a VoIP-based home shopping payment system through a relay server according to an embodiment of the present invention.

In more detail, Figure 6 relates to a VoIP-based home shopping payment system for processing VoIP-based home shopping payment through a relay server in connection with a home shopping program provided in the VoIP terminal 120 shown in Figure 2, the present invention Those skilled in the art will be able to infer various implementation methods for configuring a VoIP-based home shopping payment system through the relay server by referring to and / or modifying the present invention, but the present invention is inferred from the above. It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 6, the VoIP-based home shopping payment system through the relay server connects the VoIP terminal 120 having the home shopping program shown in FIG. 2 to the VoIP terminal 120 and the data communication channel. A relay server for connecting at least one home shopping server 115 and the VoIP terminal 120 and supporting home shopping payment through the VoIP terminal 120 and at least one home shopping company, the relay server The home shopping server 115 that shares the currently sold broadcast product information and broadcast product payment information and one or more additional product information and additional product payment information through the home shopping, and processes the customer authentication through the relay server, Issuing a customer card 125 to the customer using the VoIP terminal 120, the card company server 105 and the VoIP terminal 120 for processing the payment approval through the customer card 125 (and It is characterized in that it comprises a bansa server 100 provided in the communication network (Value Added Network (VAN)) for relaying the relay server) and the card company server 105.

In FIG. 6, the card company server 105 is shown as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the card company server 105 in the present invention, and it is based on the intention and VoIP of those skilled in the art. According to the home shopping payment system implementation method, the card company server 105 is apparent that it may be implemented in the form of a server group consisting of a plurality of servers for each functional component.

In addition, in FIG. 6, the bansa server 100 is also illustrated as one server for convenience, but this is only an exemplary method for efficiently describing the technical features of the bansa server 100 in the present invention, and is intended by those skilled in the art. And according to the implementation method of the VoIP-based home shopping payment system is clear that the Bansa server 100 may be implemented in the form of a server group consisting of a plurality of servers for each functional component.

In addition, although the relay server is also illustrated as one server in FIG. 6 for convenience, this is only one embodiment for efficiently describing the technical features of the relay server in the present invention, and the intention of those skilled in the art and implementation of a VoIP-based home shopping payment system. According to the method, it is apparent that the relay server may be implemented in a server group form of a plurality of servers for each functional component.

The bansa server 100 may include a public switched telephone network (PSTN), an intelligent network, an xDSL-based wired network, a code division multiple access (CDMA) / wide-CDMA (WCDMA) -based mobile communication network, and high-speed HSDPA. Connect a communication channel with the VoIP terminal 120 (or relay server) through a public communication network including at least one of a downlink packet access (WLAN) based wireless network, an IEEE 802.16x based portable Internet, and the like. Relays the VoIP terminal 120 (or the relay server) and the card company server 105 by connecting a communication channel with the card company server 105 through a dedicated communication network including at least one / decoding-based communication network. do.

According to an embodiment of the present invention, the bansa server 100 receives the payment approval request text encrypted with the bansa encryption key from the VoIP terminal 120 (or relay server), and decrypts the full payment approval request bansa After decrypting with a key, the card information included in the decrypted payment approval request message is read, and a bank identification number (BIN) is read to check the card company server 105 to which the payment approval request message is transmitted, and the payment approval request message ( Or decode the payment approval request information including card information and payment information (eg, payment amount information for each payment method and home shopping payment target information for each payment method) included in the full payment approval request) in the confirmed card company server 105. It is preferable to encrypt with an encryption key that can be transmitted to the card company server 105.

The card company server 105 issues the customer card 125 and limits the payment approval for the customer card 125 based on the card information included in the full payment approval request message received from the bansa server 100. Check the amount (for example, the credit limit, or the balance of the linked account), and through the payment approval limit amount is characterized in that the payment processing for the payment amount contained in the payment information.

According to an embodiment of the present invention, the card company server 105 is a payment approval request full text (or card information included in the payment approval request full text) encrypted with the encryption key of the card company server 105 from the bansa server 100 Card information and payment information (eg, for each payment method) included in the full payment approval request by receiving and decoding information (for example, payment authorization information including payment amount information for each payment method and home shopping payment target information for each payment method). It is desirable to check the payment amount information and home shopping payment target information for each payment method).

According to an exemplary embodiment of the present invention, when the card information is a credit card, the card company server 105 is authorized for payment for a certain amount of time (for example, credit limit amount) and payment for the customer card 125. By confirming the cumulative payment approval amount, summing the confirmed cumulative payment approval amount and the payment amount included in the payment information, and comparing the summed amount with the confirmed payment approval limit amount, the payment approval limit amount is If it is larger than the summed amount, it is preferable to approve the payment.

According to another exemplary embodiment of the present invention, when the card information is a check card, the card company server 105 checks the payment authorization limit amount (for example, the balance of the linked account) for the customer card 125, By comparing the payment authorization limit amount and the payment amount included in the payment information, when the payment approval limit amount is larger than the payment amount, it is preferable to approve the payment.

Those skilled in the art to which the present invention pertains, since the technical features of the bansa server 100 and the card company server 105 that operates as described above will be familiar with the technical features, a more detailed description thereof Omit for convenience.

Referring to FIG. 6, the bansa server 100 includes an interface unit 600 for connecting and managing a communication channel with the VoIP terminal 120 (or a relay server) through a communication network (eg, a public communication network). The professional receiving unit 605 for receiving the payment approval request message through the communication channel in association with the interface unit 600, and the card information included in the received payment approval request message is read to complete the payment approval request message (or payment). An information checking unit 615 for checking the card company server 105 to relay the approval request information) and an information transmitting unit for transmitting the full payment approval request message (or payment approval request information) to the confirmed card company server 105. 620 and an information receiving unit 625 for receiving payment approval result information (or payment approval result full text) including payment processing details corresponding to the full payment approval request message from the card company server 105, and an interface unit ( 600) It is characterized in that it comprises a specialized transmission unit 610 for transmitting the full payment approval result including the payment processing details to the VoIP terminal 120 (or a relay server) through a communication channel.

The interface unit 600 is related to payment with the VoIP terminal 120 (or relay server) through a communication protocol corresponding to a communication network connecting the bansa server 100 and the VoIP terminal 120 (or a relay server). It connects the communication channel for the professional transmission and reception, and maintains and manages the communication channel until the professional transmission and reception is completed.

After reading the card information from the customer card 125 through the card reader in the VoIP terminal 120 and inputting payment information (eg, payment amount, installment months, etc.) through a key input device, the card information And a payment approval request message including payment information (eg, payment amount information for each payment method and home shopping payment target information for each payment method) and transmitted through a communication network, the specialized reception unit 605 may interface with the interface unit 600. In connection with the VoIP terminal 120 (or relay server) is characterized in that for receiving the full payment approval request message.

If the payment approval request message is encrypted and transmitted from the VoIP terminal 120 (or relay server) through the Bansa encryption key, the message receiving unit 605 decodes the encrypted payment approval request message. desirable.

When the payment approval request message is received, the information checking unit 615 reads a BIN from the card information included in the payment approval request message, and the card company information to which the payment approval request message (or payment approval request information) is relayed and transmitted. Characterized in that the check.

When the card company information to which the payment approval request message (or payment approval request information) is relayed is confirmed by the information checking unit 615, the information transmitting unit 620 is the bansa server 100 and the card company server ( It is characterized in that for transmitting the payment approval request full text (or payment approval request information) to the card company server 105 through a communication channel connected between.

Thereafter, the card company server 105 performs a payment approval procedure corresponding to the full payment approval request message (or payment approval request information), and responds to the full payment approval request message (or payment approval request information) through the communication channel. The payment approval result information (or full payment approval result) including the payment processing history is transmitted, wherein the information receiving unit 625 receives the payment approval result information (or payment approval) from the card company server 105 through the communication channel. To receive the full text of the result).

According to an embodiment of the present invention, if the payment corresponding to the payment approval request full text (or payment approval request information) is approved by the card company server 105, the payment approval result information (or payment approval result full text) is included. The payment processing history includes at least one card information, payment approval date, payment authorization amount, merchant information (for example, home shopping payment target information for each payment method) and payment approval information for the payment-approved customer card 125 It is preferable to make it.

According to another embodiment of the present invention, when the payment corresponding to the payment approval request text (or payment approval request information) is not approved in the card company server 105, the payment approval result information (or payment approval result text) Payment processing details included in the card information for the customer card 125, and the payment error information preferably comprises at least one or more.

When the payment approval result information (or payment approval result full text) is received from the card company server 105, the professional transmission unit 610 is connected to the interface unit 600 to record the payment processing details through the communication channel. Characterized in that the payment approval result is transmitted to the VoIP terminal 120 (or relay server), wherein the interface unit 600 is the payment approval result is the VoIP terminal 120 (or relay) It is preferable to further perform the process of verifying the transmission to the server).

According to the present invention, the card company server 105 stores the customer information issued with the customer card 125, card information, card attribute information, and card limit information corresponding to the customer card 125 issued to the customer. DB server provided with a card management D / B (660) for storing and cooperative processing, or interlocking with the DBMS operating the card management D / B (660), or the card management D / B (660) It is preferable to link with (not shown).

Here, the customer information, personal information (for example, customer name, resident registration number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the customer who issued the customer card 125, the member information of the customer (E.g., member ID information) is preferably included.

Preferably, the card information includes a card number corresponding to the customer card 125 issued to the customer, and additionally, the card issuer information (eg, card issuer number (or code)) and card type information. (E.g., a card identification number (or code) and an expiration date information (some may be omitted) for the customer card 125 is preferably further included.

The card attribute information includes a payment attribute (eg, postpaid, debit, prepaid, etc.) for the customer card 125 issued to the customer, and a royalty including a mileage accumulation policy for the customer card 125. At least one attribute and at least one additional service attribute associated with the customer card 125 may be included.

The card limit information is for processing payment approval for the payment amount requested through the customer card 125 according to the payment attribute (eg, postpaid, debit, prepaid, etc.) of the customer card 125. It is preferable to include information for confirming the payment approval limit amount.

According to an exemplary embodiment of the present invention, when the customer card 125 includes a postpaid payment attribute (eg, credit card payment attribute), the card limit information may include credit limit amount information about the customer card 125. It is preferable to comprise.

According to another exemplary embodiment of the present invention, when the customer card 125 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card limit information may correspond to the customer card 125. It is desirable to include linked account information.

According to another exemplary embodiment of the present invention, when the customer card 125 includes a prepaid payment attribute (for example, a prepaid card payment attribute), the card limit information is a charge amount charged in the customer card 125. It is preferable to include information.

According to the present invention, the card company server 105 is provided with a payment history D / B 663 for storing the payment history information approved for payment through the customer card 125, or the payment history It is preferable to interwork with a DBMS operating the D / B 663 or to a DB server (not shown) provided with the transaction history card management D / B 660.

Here, the payment history information, the card information for the payment approved customer card 125, payment approval date and time, payment approval amount, merchant information (for example, home shopping payment target information for each payment method) and payment approval information at least It is preferable to include one or more.

The card information is information that matches card information provided in the card management D / B 660, and preferably includes a card number. The card information includes the card management D / B 660 through the card information. The payment history D / B 663 is preferably linked in a relational manner.

The payment approval date and time, it is preferable that the card company server 105 includes the date and time information of the payment approval processing through the customer card 125.

The payment approval amount is preferably made by the card company server 105 includes the amount of payment information approved through the customer card 125, the settlement processing of the payment approved amount of the home shopping according to the intention of the skilled person It is preferable to further include the settlement amount information.

The affiliated store information is information for identifying home shopping that has requested payment approval for the payment amount through the customer card 125. The affiliated store information includes home shopping payment target information for each payment means in the payment approval request. desirable.

The payment approval information may include a payment approval number assigned by the card company server 105 when the payment is approved through the customer card 125.

Referring to FIG. 6, the card company server 105 is connected to the communication unit 630 to connect and manage a communication channel with the bansa server 100 through a communication network (for example, a dedicated communication network) and the communication unit 630. Receiving unit 635 for receiving the payment approval request full text (or payment approval request information) from the bansa server 100 and the card information included in the received payment approval request full text (or payment approval request information) If the card information is matched with the card information confirming unit 645 for checking whether the card information matches, the payment approval limit amount corresponding to the card information is checked, and the payment approval is performed through the confirmed payment approval limit amount. Payment approval processing unit 650 for approving the payment for the payment amount contained in the full request (or payment approval request information), and history generation unit 653 for generating a payment processing history including the payment approval result And a generation unit 655 for generating payment approval result information (or full payment approval result) including the payment processing history, and the generated payment approval result through the communication channel in connection with the communication unit 630. And a transmission unit 640 for transmitting information (or full payment approval result) to the bansa server 100. Upon approval of the payment by the payment approval processing unit 650, the payment processing details It further comprises an information storage unit 657 for storing the payment history information contained in the payment history D / B (663).

The communication unit 630 connects a communication channel for transmitting / receiving a payment-related full text message (or information) with the bansa server 100 through a communication protocol corresponding to a communication network connecting the card company server 105 and the bansa server 100. Characterized in that.

When the bansa server 100 transmits the full payment approval request message (or payment approval request information) through the communication channel, the receiving unit 635 is linked with the communication unit 630 to provide card information and payment information (eg, Characterized in that it receives the full payment approval request information (or payment approval request information) including at least one or more payment amount information for each payment method and payment information for home shopping by payment method).

If the payment approval request message (or payment approval request information) is transmitted from the bansa server 100 through an encryption key of the card company server 105, the receiving unit 635 transmits the encrypted payment approval request. It is preferable to decrypt the full text (or payment approval request information).

When the full payment approval request message (or payment approval request information) is received, the card information verification unit 645 checks card information included in the full payment approval request message (or payment approval request information), and the confirmed card. By querying the card information stored in the card management D / B (660) through the information, it is characterized in that whether the card corresponding to the card information matches the customer card (125).

In addition, the card information verification unit 645 is a card that the customer card 125 is reported as lost in the card information verification process, or a card that satisfies an unusable condition (for example, bad credit, delinquency, etc.), or It is preferable to further include a step of checking whether the expiration date has passed.

When the card information included in the payment approval request message (or payment approval request information) is verified by the card information checking unit 645, the payment approval processing unit 650 may perform the card management D / B 660. Check the payment approval limit amount corresponding to the card limit information provided in connection with the card information, and the payment included in the full payment approval request message (or payment approval request information) based on the confirmed payment approval limit amount. Characterized in that the payment processing for the amount of money.

According to the method of the present invention, the payment approval processing unit 650 first checks the payment attribute (eg, postpaid) corresponding to the card information in association with the card management D / B 660 in order to confirm the payment approval limit amount. Mold, debit, prepaid, etc.) is preferable.

According to an embodiment of the present invention, when the customer card 125 includes a postpaid payment attribute (eg, credit card payment attribute), the payment approval processing unit 650 may include a credit limit amount included in the card limit information. It is preferable to check the information as the payment authorization limit amount for the customer card 125.

According to another exemplary embodiment of the present invention, when the customer card 125 includes a debit type payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit 650 may provide the card limit information. It is preferable to check the linked account information included in, and check the balance information of the linked account in connection with the financial institution server (not shown) as the payment authorization limit amount for the customer card (125).

According to another exemplary embodiment of the present invention, when the customer card 125 includes a prepaid payment attribute (for example, a prepaid card payment attribute), the payment approval processing unit 650 is charged in the card limit information. It is preferable to check the amount information as the payment authorization limit amount for the customer card (125).

When the payment approval limit amount for the customer card 125 is confirmed, the payment approval processing unit 650 may settle the payment included in the full payment approval request message (or payment approval request information) based on the confirmed payment approval limit amount. It is characterized by checking whether the payment approval or payment error for each payment property for the amount.

According to an exemplary embodiment of the present invention, when the customer card 125 includes a postpaid payment attribute (eg, credit card payment attribute), the payment approval processing unit 650 may provide the payment details D / B 663. Check the cumulative payment approval amount approved through the customer card 125 for a predetermined period of time, add the confirmed cumulative payment approval amount and the payment amount included in the payment information, and add the It is preferable to check the payment approval or payment error for the payment amount by comparing the confirmed payment approval limit amount (eg, credit limit amount).

For example, when the payment approval limit amount (eg, credit limit amount) is larger than the sum of the sums, the payment approval processing unit 650 may preferably process the payment.

According to another exemplary embodiment of the present invention, when the customer card 125 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the payment approval processing unit 650 may set the payment approval limit. It is preferable to check the payment approval or payment error for the payment amount by comparing the amount (eg, the balance of the linked account) with the payment amount included in the payment information.

For example, when the payment approval limit amount (eg, the balance of the linked account) is larger than the payment amount, the payment approval processing unit 650 may preferably process the payment.

According to another exemplary embodiment of the present invention, when the customer card 125 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the payment approval processing unit 650 may set the payment approval limit amount (eg, It is preferable to check the payment authorization or payment error for the payment amount by comparing the payment amount) and the payment amount included in the payment information.

For example, when the payment approval limit amount (eg, the charge amount) is larger than the payment amount, the payment approval processing unit 650 may preferably process the payment.

When the payment approval process for the payment amount is completed by the payment approval processing unit 650, the details generation unit 653 includes a payment processing result including the payment approval result approved by the payment approval processing unit 650. Characterized by generating a history.

When the payment is approved according to an embodiment of the present invention, the payment processing details are the card information, payment approval date, payment approval amount, merchant information (for example, payment means) for the payment-approved customer card 125 Per-home shopping payment target information) and payment approval information.

According to another exemplary embodiment of the present invention, when the payment is not approved, the payment processing details may include at least one card information and payment error information for the customer card 125.

When the payment processing details are generated, the generation unit 655 generates payment approval result information (or full payment approval result) including the payment processing details, and the transmission unit 640 is the communication unit. In operation 630, the generated payment approval result information (or full payment approval result) may be transmitted to the bansa server 100 through the communication channel.

In addition, when the payment for the payment amount is approved by the payment approval processing unit 650, the information storage unit 657 and the card information included in the payment processing history generated by the history generation unit 653 Storing payment history information including at least one payment approval date, payment authorization amount, merchant information (for example, home shopping payment target information for each payment method), and payment approval information in the payment history D / B 663. It is done.

Referring to FIG. 6, for the VoIP-based home shopping payment, the relay server includes home shopping information from one or more home shopping servers 115 affiliated through a communication network, broadcast product information and broadcast products currently being sold through broadcast in the home shopping. An information collecting unit 685 (or information collecting means) that periodically collects payment information and at least one additional product information and payment information for each additional product, the collected home shopping information, and currently sold through a broadcast in the home shopping; And an information storage unit 665 (or information storage means) for storing the broadcasting product information and the broadcasting product payment information and the one or more additional product information and the additional product-specific payment information to store in the storage medium 690. It is done.

The storage medium 690 stores one or more home shopping information associated with the relay server, and the information collecting unit 685 currently broadcasts through the home shopping from one or more home shopping servers 115 corresponding to the home shopping information. It is characterized by periodically collecting the broadcasting product information and broadcasting product payment information and one or more additional product information and payment information for each additional product.

According to an embodiment of the present invention, the additional product information includes one or more popular product information sold in each home shopping, or one or more previous broadcasting products sold through a corresponding broadcast before the current broadcasting product of each home shopping is broadcast. It is preferable that the information includes one or more similar product information included in the same product category as the current broadcast product of each home shopping, or one or more package product information packaged with the current broadcast product of each home shopping. Do.

When the home shopping information, the broadcasting product information and the broadcasting product payment information, one or more additional product information and the additional product-specific payment information are collected by the information collecting unit 685, the information is collected. The storage unit 665 links the collected home shopping information with the broadcast product information and broadcast product payment information currently sold through the broadcast in the home shopping, one or more additional product information, and payment information for each additional product. 690) is periodically stored.

According to an embodiment of the present invention, the payment information is home shopping payment target information for each payment method (for example, credit card affiliate store information or home shopping account information) corresponding to card information read through a card reader provided in the VoIP phone. And payment amount information for each payment method (eg, a payment amount to which an incentive according to the payment method is applied).

Referring to FIG. 6, when the relay server transmits home shopping selection information from the VoIP terminal 120 illustrated in FIG. 2 to receive a home shopping payment based on VoIP, the home shopping selection information is received through the communication network. Home shopping confirmation unit 667 (or home shopping confirmation means) for confirming, and in conjunction with the storage medium 690 to confirm the broadcast product information and one or more additional product information associated with the home shopping information corresponding to the home shopping selection information and Product information transmission unit 670 (or product information transmission means) for transmitting to the VoIP terminal 120 to be output through the home shopping program, and a plurality of product information through the home shopping program in the VoIP terminal 120 Selecting a product to be purchased among the information, and inputting the customer authentication information transmitted, the information receiving unit 673 for receiving the product information and the customer authentication information ( Or a customer authentication unit 677 (or customer authentication means) for authenticating the validity of the customer authentication information in association with the information receiving means), the home shopping server 115 corresponding to the product to be purchased, and the customer authentication. When validating the information, the payment information transmission unit for transmitting and outputting the payment information (for example, payment amount information for each payment method and home shopping payment target information for each payment method) for the target product to the VoIP terminal 120 and outputs ( 675) (or payment information transmission means) characterized in that it comprises a.

In the VoIP terminal 120 shown in FIG. 2, the home shopping program is started to access the relay server through a communication channel switching and connection process, and the home shopping program is selected through the home shopping selection interface of the home shopping program. When the home shopping selection information is transmitted, the home shopping confirmation unit 667 receives the home shopping selection information through the communication network, and confirms the purchase target home shopping corresponding to the home shopping selection information in association with the storage medium 690. Features.

When the target home shopping is confirmed, the product information transmission unit 670 checks the broadcasting product information and one or more additional product information associated with the home shopping information corresponding to the home shopping selection information in association with the storage medium 690. It is characterized in that the processing to be output through the home shopping program by transmitting to the VoIP terminal 120 through the communication channel.

Then, in the VoIP terminal 120 shown in FIG. 2, the home shopping program outputs the received broadcast product information and one or more additional product information to a product selection interface, and among the outputted broadcast product information and one or more additional product information. Process so that any one item of purchase target product is selected.

In addition, the VoIP terminal 120 outputs a customer authentication interface and processes the customer authentication information registered in the home shopping server 115 to be input.

When the purchase target product information and the customer authentication information are input from the VoIP terminal 120 and transmitted through the communication channel, the information receiving unit 673 receives the purchase target product information and the customer authentication information. .

According to the exemplary embodiment of the present invention, the information receiver 673 sequentially or individually receives the purchase target product information and the customer authentication information according to the information transmission procedure of the VoIP terminal 120, or collectively. All of them are possible, and this invention is not limited.

When the purchase target product information and the customer authentication information are received through the information receiving unit 673, the customer authentication unit 677 connects to the home shopping server 115 corresponding to the purchase target product information to the customer authentication information. Characterizing the validity of the.

According to the embodiment of the present invention, the customer authentication unit 677 transmits the customer authentication information to the home shopping server 115 through a communication network, thereby validating the validity of the customer authentication information through the home shopping server 115. It is preferable to authenticate, and customer information and delivery address information registered in the home shopping server 115 are activated by the customer authentication.

When the validity of the customer authentication information is authenticated by the customer authentication unit 677, the payment information transmission unit 675 may be connected to the storage medium 690 to provide the payment information corresponding to the purchase target product (eg, Payment amount information for each payment means and home shopping payment target information for each payment method), and transmits the confirmed payment information to the VoIP terminal 120 for output.

According to an embodiment of the present invention, if payment method selection information is received from the VoIP terminal 120 before confirming payment information corresponding to the product to be purchased, the payment information transmitting unit 675 may store the storage medium ( In connection with 690, it is preferable to check the payment information for each payment method corresponding to the payment method selection information.

According to another embodiment of the present invention, if payment method selection information is not received from the VoIP terminal 120 before confirming payment information corresponding to the product to be purchased, the payment information transmitter 675 stores the information. A plurality of payments corresponding to a plurality of home shopping payment target information supported by the home shopping among payment means that can be read from the customer card 125 through the card reader provided in the VoIP terminal 120 in association with the medium 690 It is preferable to check the payment information for each means.

According to another exemplary embodiment of the present invention, the payment information transmitting unit 675 may read from the customer card 125 through a card reader provided in the VoIP terminal 120 in association with the storage medium 690. It is preferable to collectively check the payment information for each of a plurality of payment means corresponding to the plurality of home shopping payment target information supported by the home shopping.

Referring to FIG. 6, for the VoIP-based home shopping payment, the relay server includes the card information read from the customer card 125 and the payment information through the home shopping program in the VoIP terminal 120 shown in FIG. 2. Receiving the full text of the payment approval request by generating and transmitting a full payment approval request message including payment amount information for each payment method and home shopping payment target information (eg, credit card merchant information or home shopping account information) for each payment method, A payment processing unit 683 (or a professional receiving unit) and a payment processing unit 683 which processes the home shopping payment corresponding to the full payment approval request message by providing the payment approval request message to the read and bansa server 100 and approved. Or payment processing means), and the full text of the payment approval request from the VoIP terminal 120 directly to the bansa server 100. In the case of transmission, the specialized receiver 680 and the payment processor 683 may be omitted.

The VoIP terminal 120 receiving the payment information for each payment method reads card information through a card reader, and includes the read card information and payment information for each payment method corresponding to the payment method corresponding to the card information. Generate a payment approval request message.

According to the exemplary embodiment of the present invention, the VoIP terminal 120 transmits the generated payment approval request telegram to the relay server through the communication channel. In response, the telegram receiver 680 transmits the communication channel. And receiving the full payment approval request message, and the payment processing unit 683 reads the received payment approval request message to confirm a payment method, and performs a payment process corresponding to the confirmed payment method. Characterized in that the home shopping payment corresponding to the full payment approval request is approved by transmitting the full payment approval request message to the bansa server 100 (or a financial company server), and then the payment processing process is based on the payment method for each payment method. Follow.

According to another exemplary embodiment of the present invention, the VoIP terminal 120 may directly transmit the generated payment approval request message to the bansa server 100 through the communication network. In this case, the specialized receiver 680 ) And the payment processing unit 683 may be omitted.

7 is a diagram illustrating a VoIP-based home shopping payment process through a relay server according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a VoIP-based home shopping payment system for processing VoIP-based home shopping payment through a relay server in connection with a home shopping program provided in the VoIP terminal 120 shown in FIG. FIG. 3 illustrates a process in which the VoIP terminal 120 and the relay server interoperate with each other.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to infer various implementation methods for the VoIP-based home shopping payment process through the relay server. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 7, the VoIP terminal 120 illustrated in FIG. 2 executes a home shopping program by pressing a hot key through the process illustrated in FIG. 3, and performs the relay through the communication channel switching of the VoIP terminal 120. After connecting the server and the communication channel (700), and outputs a home shopping selection interface on the screen of the VoIP terminal 120, it is checked whether the target home shopping is selected through the home shopping selection interface (705).

If the target home shopping is selected as shown in FIG. 3, the VoIP terminal 120 transmits the home shopping selection information to the relay server through a communication channel (715). In operation 720, the broadcast product information corresponding to the home shopping selection information and one or more additional product information are linked to the storage medium 690, and the identified broadcast product information and the one or more additional product information are communicated through the communication channel. Transmission to the VoIP terminal (725).

Thereafter, the VoIP terminal 120 receives the broadcast product information and one or more additional product information and outputs it to a product selection interface, and whether one of the broadcast product information and one or more additional product information is selected for purchase target product information is selected. Check (730).

If the purchase target product information is selected (735), the VoIP terminal 120 checks whether the customer authentication information is input through the customer authentication interface (740), if the customer authentication information is input (745), the VoIP terminal 120 transmits the purchase target product information and the customer authentication information to the relay server (750).

8 is a diagram illustrating a VoIP-based home shopping payment approval request process through a relay server according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates that when the VoIP terminal 120 shown in FIG. 2 transmits the purchase target product information and customer authentication information through the home shopping payment process shown in FIG. 7, the relay server authenticates the customer. After validating the information, by providing the payment information for each payment means corresponding to the product information to be purchased to the VoIP terminal 120, the payment information for each payment means and the customer card 125 in the VoIP terminal 120 As a process for requesting a home shopping payment approval through a payment approval request message generated by including a read card information, specifically, the bansa server via the relay server to the payment approval request message in the VoIP terminal 120 Figure 100 illustrates an implementation method for requesting approval of the home shopping payment by transmitting to 100.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to infer various implementation methods for the VoIP-based home shopping payment approval request process through the relay server. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG.

Referring to FIG. 8, when the VoIP terminal 120 illustrated in FIG. 2 transmits the purchase target product information and the customer authentication information through the home shopping settlement process illustrated in FIG. 7, the relay server sends the purchase target product. The validity of the customer authentication information is confirmed in connection with the home shopping server 115 corresponding to the information (800).

According to the embodiment of the present invention, it is preferable that the customer information and the delivery address information registered in the home shopping server 115 are activated by the customer authentication.

If the validity of the customer authentication information is confirmed (805), the relay server is linked to the storage medium 690, the payment information corresponding to the product to be purchased (for example, payment amount information for each payment method and for each payment method) Home shopping payment target information) and transmits the confirmed payment information to the VoIP terminal 120 (810).

When the payment means selection information is received from the VoIP terminal 120 before confirming the payment information corresponding to the purchase target product information according to an embodiment of the present invention, the relay server is connected to the storage medium 690. It is preferable to check the payment information for each payment method corresponding to the payment method selection information.

According to another exemplary embodiment of the present invention, if the payment means selection information is not received from the VoIP terminal 120 before confirming the payment information corresponding to the product to be purchased, the relay server is connected to the storage medium 690. The payment information for a plurality of payment means corresponding to a plurality of home shopping payment target information supported by the home shopping among the payment means that can be read from the customer card 125 through the card reader provided in the VoIP terminal 120 in association with It is desirable to confirm.

According to another embodiment of the present invention, the relay server of the payment means that can be read from the customer card 125 through the card reader provided in the VoIP terminal 120 in conjunction with the storage medium 690 It is preferable to collectively check the payment information for a plurality of payment means corresponding to the plurality of home shopping payment target information supported by the home shopping.

Thereafter, the VoIP terminal 120 reads card information from the customer card 125 through the card reader (815), and through the process shown in FIGS. 4 to 5, the read card information and the card information. Generate a payment approval request message including payment information for each payment means corresponding to the data transfer method (820), and transmit the generated payment approval request text message to the relay server through the communication channel (825); The server relays the full payment approval request message to the bansa server 100 in operation 830.

Thereafter, the bansa server 100 receives the full payment approval request message transmitted from the relay server (835).

According to an embodiment of the present invention, when the payment approval request is encrypted and transmitted from the relay server through the bansa encryption key, the bansa server 100 preferably decrypts the encrypted payment approval request. Do.

Thereafter, the bansa server 100 checks card information included in the full payment approval request message (840).

According to an embodiment of the present invention, the bansa server 100 may further check payment information and affiliate store information (for example, home shopping payment target information for each payment method) included in the full payment approval request. This is not limited.

Thereafter, the bansa server 100 reads the confirmed card information to check the card company server 105 to transmit the full text of the payment approval request (845).

According to the method of the present invention, the bansa server 100 preferably reads the BIN of the card information included in the payment approval request full text to confirm the card company information to be relayed transmission of the payment approval request.

If the card company server 105 to relay the payment approval request full text is confirmed (850), the bansa server 100 to the verified card company server 105 to the full payment approval request (or the payment approval request full text) The card information and payment information (for example, payment authorization request information including payment method information for each payment method and home shopping payment target information for each payment method) may be relayed and transmitted (855).

9 is a diagram illustrating a VoIP-based home shopping payment approval request process through a relay server according to another embodiment of the present invention.

In more detail, in FIG. 9, if the purchase target product information and the customer authentication information are transmitted from the VoIP terminal 120 shown in FIG. 2 through the home shopping settlement process shown in FIG. 7, the relay server authenticates the customer. After validating the information, by providing the payment information for each payment means corresponding to the product information to be purchased to the VoIP terminal 120, the payment information for each payment means and the customer card 125 in the VoIP terminal 120 As a process for requesting a home shopping payment approval through a payment approval request message generated by including a read card information, in detail, the payment approval request message is directly transmitted from the VoIP terminal 120 to the bansa server 100. Shows an implementation method for requesting home shopping payment approval.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to infer various implementation methods for the VoIP-based home shopping payment approval request process through the relay server. The 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. 9, when the VoIP terminal 120 illustrated in FIG. 2 transmits the purchase target product information and the customer authentication information through the home shopping settlement process illustrated in FIG. 7, the relay server sends the purchase target product. In operation 900, the validity of the customer authentication information is checked in connection with the home shopping server 115 corresponding to the information.

According to the embodiment of the present invention, it is preferable that the customer information and the delivery address information registered in the home shopping server 115 are activated by the customer authentication.

If the validity of the customer authentication information is confirmed (905), the relay server is linked to the storage medium 690, the payment information corresponding to the product to be purchased (for example, payment amount information for each payment method and for each payment method) Home shopping payment target information) and transmits the confirmed payment information to the VoIP terminal 120 (910).

When the payment means selection information is received from the VoIP terminal 120 before confirming the payment information corresponding to the purchase target product information according to an embodiment of the present invention, the relay server is connected to the storage medium 690. It is preferable to check the payment information for each payment method corresponding to the payment method selection information.

According to another exemplary embodiment of the present invention, if the payment means selection information is not received from the VoIP terminal 120 before confirming the payment information corresponding to the product to be purchased, the relay server is connected to the storage medium 690. The payment information for a plurality of payment means corresponding to a plurality of home shopping payment target information supported by the home shopping among the payment means that can be read from the customer card 125 through the card reader provided in the VoIP terminal 120 in association with It is desirable to confirm.

According to another embodiment of the present invention, the relay server of the payment means that can be read from the customer card 125 through the card reader provided in the VoIP terminal 120 in conjunction with the storage medium 690 It is preferable to collectively check the payment information for a plurality of payment means corresponding to the plurality of home shopping payment target information supported by the home shopping.

Thereafter, the VoIP terminal 120 reads card information from the customer card 125 through the card reader (915), and the read card information and the card information through the process shown in FIGS. Generate a payment approval request text including payment information for each payment means corresponding to (920), and directly transmit the generated payment approval request text to the bansa server 100 through a communication network (925), correspondingly The bansa server 100 receives the full payment approval request message transmitted from the VoIP terminal 120 (930).

According to an embodiment of the present invention, when the payment approval request is encrypted and transmitted from the VoIP terminal 120 through the bansa encryption key, the bansa server 100 decrypts the encrypted payment approval request message. It is desirable to.

Then, the bansa server 100 checks the card information included in the full payment approval request (935).

According to an embodiment of the present invention, the bansa server 100 may further check payment information and affiliate store information (for example, home shopping payment target information for each payment method) included in the full payment approval request. This is not limited.

Thereafter, the bansa server 100 reads the checked card information and checks the card company server 105 to relay the full payment approval request message (940).

According to the method of the present invention, the bansa server 100 preferably reads the BIN of the card information included in the payment approval request full text to confirm the card company information to be relayed transmission of the payment approval request.

If the card company server 105 to relay the payment approval request full text is confirmed (945), the bansa server 100 to the verified card company server 105 to the payment approval request full text (or the payment approval request full text) The card information and payment information (eg, payment approval request information including payment method information for each payment method and payment information for home shopping for each payment method) may be relayed and transmitted (950).

10 is a diagram illustrating a payment approval process for VoIP-based home shopping payment through a relay server according to an embodiment of the present invention.

In more detail, in FIG. 10, when the payment approval request message (or payment approval request information) is received to the card company server 105 through the payment approval request process shown in FIG. 8 or 9, the card company server 105 In the process of the approval process for the payment requested through the full payment approval request (or payment approval request information), if the person of ordinary skill in the art to which the present invention pertains, reference and / or this figure 10 It will be possible to infer various implementation methods for the payment approval process for the VoIP-based home shopping payment through the relay server by modifying, but the present invention includes all the implementation methods inferred, shown in Figure 10 The technical features are not limited only by the method.

Referring to FIG. 10, the full payment approval request (or payment approval request information) is received by the card company server 105 through the payment approval request process illustrated in FIG. 8 or 9 (1000).

According to the embodiment of the present invention, when the full payment approval request (or payment approval request information) is encrypted and transmitted from the bansa server 100 through the encryption key of the card company server 105, the card company server 105 It is preferable to decrypt the encrypted payment approval request full text (or payment approval request information).

Thereafter, the card company server 105 checks the card information, payment information, and merchant information (for example, home shopping payment target information for each payment method) included in the full payment approval request (or payment approval request information) (1005). The card information stored in the card management D / B 660 is inquired through the checked card information to check whether a card corresponding to the card information matches the customer card 125 (1010).

According to the method of the present invention, the card company server 105 is a card that the customer card 125 is reported as missing in the card information verification process, or satisfies an unusable condition (for example, bad credit, delinquency, etc.) It is preferable that the card further comprises the step of checking whether the card has expired.

If the card information does not match the card with the customer card 125 as a result of the checking (1015), the card company server 105 generates payment approval result information (or full payment approval result) including payment error information. And transmit to the bansa server 100 (1020), the corresponding bansa server 100 is a payment approval result including the payment error information through a communication channel connected to the VoIP terminal 120 (or relay server) The full text is transmitted to the VoIP terminal 120 (or a relay server) and output (1025).

On the other hand, if the card information is matched with the customer card 125 as a result of the check (1015), the card company server 105 is the card limit provided in connection with the card information in the card management D / B (660) The payment approval limit amount for each payment attribute corresponding to the information is checked (1030).

According to an exemplary embodiment of the present invention, when the customer card 125 includes a postpaid payment attribute (for example, credit card settlement attribute), the card company server 105 may provide credit limit amount information included in the card limit information. It is desirable to check the payment authorization limit amount for the customer card (125).

According to another exemplary embodiment of the present invention, when the customer card 125 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 105 provides the card limit information. It is preferable to check the linked account information included in, and check the balance information of the linked account in connection with the financial institution server (not shown) as the payment authorization limit amount for the customer card (125).

According to another exemplary embodiment of the present invention, when the customer card 125 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the card company server 105 charges the amount of money included in the card limit information. It is preferable to check the information as the payment authorization limit amount for the customer card 125.

If the payment approval limit amount for each payment attribute of the customer card 125 is confirmed (1035), the card company server 105 is based on the confirmed payment approval limit amount of the full payment approval request (or payment approval request information) In step 1040, payment approval for each payment attribute of the payment amount included in) is processed.

According to an exemplary embodiment of the present invention, when the customer card 125 includes a postpaid payment attribute (eg, credit card payment attribute), the card company server 105 is associated with the payment history D / B 663. By checking the cumulative payment approval amount approved through the customer card 125 for a certain period of time, the accumulated cumulative payment approval amount and the payment amount included in the payment information are added, and the summed amount and the confirmation It is preferable to check the payment approval or payment error for the payment amount by comparing the payment approval limit amount (eg, credit limit amount).

For example, when the payment authorization limit amount (eg, the credit limit amount) is larger than the sum of the sums, the card company server 105 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card 125 includes a debit payment attribute (for example, a check card payment attribute and a debit card payment attribute), the card company server 105 may set the payment approval limit amount. (For example, the balance of the linked account) and the payment amount included in the payment information, it is preferable to confirm the payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (for example, the balance of the linked account) is larger than the payment amount, the card company server 105 preferably processes the payment.

According to another exemplary embodiment of the present invention, when the customer card 125 includes a prepaid payment attribute (eg, a prepaid card payment attribute), the card company server 105 may set the payment approval limit amount (eg, charge). Amount) and the payment amount included in the payment information, it is preferable to check the payment approval or payment error for the payment amount.

For example, when the payment approval limit amount (eg, the charge amount) is larger than the payment amount, the card company server 105 preferably processes the payment.

If the payment approval for the payment attribute is not confirmed as a result of the payment approval process (1045), the card company server 105 generates the payment approval result information (or full payment approval result) including the payment error information to the bansa server. In operation 1020, the bansa server 100 transmits the entire payment approval result including the payment error information through a communication channel connected to the VoIP terminal 120 (or a relay server). The transmission is transmitted to the terminal 120 (or a relay server) (1025).

On the other hand, if the payment approval for each payment attribute is confirmed as a result of the payment approval process (1045), the card company server 105 generates a payment processing history including the payment approval result (1050).

Here, the payment processing details include at least one of the card information, payment approval date, payment authorization amount, merchant information (for example, home shopping payment target information for each payment method) and payment approval information for the customer card 125 approved for payment. It is preferable to comprise as mentioned above.

Subsequently, the card company server 105 generates payment approval result information (or full payment approval result) including the payment processing details and transmits the generated payment approval result information to the bansa server 100 (1055). 100 transmits and outputs the full payment approval result including the payment processing details to the VoIP terminal 120 (or the relay server) through a communication channel connected to the VoIP terminal 120 (or the relay server) (1025). .

In addition, the card company server 105 at least one card information included in the generated payment processing history, payment approval date, payment approval amount, merchant information (for example, home shopping payment target information for each payment method) and payment approval information The payment history information is generated (1060), and the payment history information is stored in the payment history D / B 663 (1065).

According to the present invention, a relay server relaying a plurality of home shopping servers and a bansa server is provided with a home shopping platform for interworking with a home shopping program provided in a VoIP terminal, and the VoIP terminal and a plurality of home shopping servers and a bansa server through the home shopping platform. By controlling and managing the home shopping payment procedure therebetween, there is an advantage of conveniently providing home shopping payment through VoIP without difficulty of payment related professional processing.

Claims (13)

In the home shopping payment method of the relay server connected to the communication with a plurality of home shopping server and the VoIP terminal of the customer having a card reader and home shopping program, Storing the home shopping information and the broadcasting product information, the broadcasting product payment information, the one or more additional product information and the payment information for the additional product, which are currently sold through broadcasting in the home shopping medium, in a storage medium; Receiving home shopping selection information when a VoIP terminal selects (or inputs) home shopping selection information through a home shopping program; Identifying broadcasting product information and one or more additional product information associated with home shopping information corresponding to the home shopping selection information in connection with the storage medium, transmitting the information to the VoIP terminal, and outputting the home shopping program through a home shopping program; Receiving the purchase target product information and the customer authentication information when the VoIP terminal selects a product to be purchased from among a plurality of product information through the home shopping program and inputs and transmits the customer authentication information; Authenticating validity of the customer authentication information in association with a home shopping server corresponding to the purchase target product information; When validating the customer authentication information, transmitting and outputting payment information about the product to be purchased to the VoIP terminal; Receiving, by a VoIP terminal, the payment approval request message when the payment approval request message including the card information and payment information read from the card reader is generated and transmitted through the home shopping program; And processing the payment approval request by reading the full payment approval request. The additional product information, Contains information about one or more popular items sold by each home shop, or Contains information about one or more previous broadcast products sold through the broadcast before the current broadcast product of each home shopping is broadcast; or Includes one or more similar product information included in the same product category as the current broadcast product of each home shopping, or Contains information on one or more packaged products bundled with the current broadcast product and package of each home shopping, After the broadcast product information and one or more additional product information associated with the home shopping information are provided to the VoIP terminal, when the currently sold broadcast product is changed to another product through the home shopping broadcast corresponding to the home shopping information, the VoIP terminal is transferred to the VoIP terminal. And transmitting the changed broadcasting product information. The method of claim 1, When the broadcasting product information and one or more additional product information are confirmed, the broadcasting product information and broadcasting product payment information and one or more additional product information and payment for each additional product that are currently sold through broadcasting in each home shopping in connection with one or more home shopping servers Periodically checking the information; And And converting the identified broadcasting product information and additional product information for each home shopping into a data structure that can be output through a product selection interface of the home shopping program. The method of claim 1, Connecting the communication channel for home shopping payment with the VoIP terminal when the VoIP terminal requests communication channel connection; And And authenticating the validity of the card reader and the home shopping program provided in the VoIP terminal. delete delete The method of claim 1, wherein the payment information, It characterized in that it comprises a home shopping payment target information-credit card merchant information, or home shopping account information-for each payment means corresponding to the card information read through the card reader provided in the VoIP terminal, and the payment amount information for each payment means Home shopping payment method. The method of claim 1, wherein the payment information, And at least one VoIP terminal incentive information corresponding to a product purchase through the VoIP terminal and one or more incentive information for each payment means. delete In the home shopping payment system of the relay server connected to communicate with a plurality of home shopping server and communication with the VoIP terminal of the customer having a card reader and home shopping program, Information storage means for storing home shopping information, broadcast product information currently on sale through broadcast in home shopping, broadcast product payment information, and one or more additional product information and payment information for each additional product in a storage medium; A home shopping confirmation means for receiving (or entering) home shopping selection information through a home shopping program through a home shopping program, receiving the home shopping selection information, and confirming a target home shopping in connection with the storage medium; Product information transmission means for identifying broadcasting product information and one or more additional product information associated with home shopping information corresponding to the home shopping selection information in connection with the storage medium, and transmitting the information to one of the VoIP terminals to be output through a home shopping program; Information receiving means for receiving the purchase target product information and the customer authentication information when the VoIP terminal selects a purchase target product among a plurality of product information through the home shopping program and inputs and transmits customer authentication information; Customer authentication means for authenticating validity of the customer authentication information in association with a home shopping server corresponding to the product to be purchased; Payment information transmission means for transmitting the payment information for the product to be purchased to the VoIP terminal when validating the customer authentication information; Specialized receiving means for receiving the payment approval request message when the VoIP terminal generates and transmits a payment approval request message including card information and payment information read from a card reader through the home shopping program; And a payment processing means for processing the payment approval request to read the payment approval. The additional product information, Contains information about one or more popular items sold by each home shop, or Contains information about one or more previous broadcast products sold through the broadcast before the current broadcast product of each home shopping is broadcast; or Includes one or more similar product information included in the same product category as the current broadcast product of each home shopping, or Contains information on one or more packaged products bundled with the current broadcast product and package of each home shopping, The product information transmission means, The home shopping payment system, characterized in that for transmitting the changed broadcast product information to the VoIP terminal when the currently sold broadcast product through the home shopping broadcast corresponding to the home shopping information is changed. delete delete delete delete

Images