KR101008934B1 - System and Method for Paying a Fee by VoIP Terminal, VoIP Terminal - Google Patents

Abstract

The present invention relates to a billing method and system through a VoIP terminal and a VoIP terminal for the same, the billing system through a VoIP terminal according to the present invention includes a key input means, a screen output means and a card reader, the card Virtual financial terminal through the reader-including one or more CD (Cash Dispenser), ATM (Automatic Teller Machine)-security module to control non-face-to-face financial transactions using the function, the payment information-billing charges using the VoIP A billing system through a VoIP terminal, comprising a memory unit having a billing box for storing payment information, arrears fee payment information, giropayment information, other carrier bill payment information, or partner bill payment information. Information providing confirmation means for confirming whether payment information is provided to a VoIP terminal; Rate checking means for checking public charges-billing charges, or arrears charges according to VoIP usage, Jiro information, other carrier charges, or partner fees-and information generating means for generating charge payment information to be provided to the VoIP terminal. And information transmitting means for transmitting the billing information to the VoIP terminal and storing the billing information in the billing box. The information providing checking means includes: information for requesting the billing information from the VoIP terminal. Is received, or whether the VoIP terminal requests a call connection after a specific date-time of billing, or a date of payment of last charge, or checks a preset fee payment information provision policy (or schedule).

VIOIP, fee, payment

Description

System and Method for Paying a Fee by VoIP Terminal, VoIP Terminal}

1 is a diagram illustrating a payment management system through a virtual CD / ATM based non-face-to-face financial transaction function through VoIP according to an embodiment of the present invention.

2 is a diagram illustrating a process of transmitting communication charge payment information to a VoIP terminal and storing it in a payment invoice according to an embodiment of the present invention.

3 is a diagram illustrating a process of transmitting communication charge payment information to a VoIP terminal and storing it in a billing claim box according to another embodiment of the present invention.

4 is a diagram illustrating a process of transmitting communication charge payment information to a VoIP terminal and storing it in a billing claim box according to another embodiment of the present invention.

5 is a diagram illustrating a payment confirmation process for communication fee payment information provided to a VoIP terminal according to an embodiment of the present invention.

6 is a diagram illustrating a functional configuration of a VoIP terminal having a virtual CD / ATM-based non-face-to-face financial transaction function through VoIP according to an embodiment of the present invention.

FIG. 7 is a view illustrating a VoIP terminal operation process for processing a payment of a communication fee corresponding to communication fee payment information stored in a billing claim according to an embodiment of the present invention.

8 is a diagram illustrating a process of paying a communication fee through card payment according to an embodiment of the present invention.

9 illustrates a virtual CD / ATM based financial transaction system through VoIP according to an embodiment of the present invention.

10 is a diagram illustrating a process of connecting a secure communication channel between a VoIP terminal and a financial institution server according to an embodiment of the present invention.

11 is a diagram illustrating a process of processing a VoIP terminal to be recognized as a virtual financial terminal according to an embodiment of the present invention.

12 is a diagram illustrating a process of deactivating a VoIP communication function of a VoIP terminal according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a first process of processing a communication fee by processing a VoIP terminal as a virtual financial terminal according to an embodiment of the present invention.

14 is a diagram illustrating a second process of processing a communication fee payment by processing a VoIP terminal as a virtual financial terminal according to an embodiment of the present invention.

15 is a diagram illustrating a process of activating a VoIP communication function of a VoIP terminal according to an embodiment of the present invention.

<Description of main parts of drawing>

100: payment management server 105: call connection confirmation unit

110: information receiving unit 115: information checking unit

120: charge confirmation unit 125: information generation unit

130: information transmission unit 135: information storage unit

140: information update unit 145: payment confirmation unit

150: storage medium 155: financial company server

160: VoIP terminal

The present invention includes a key input means, a screen output means, and a card reader, and a non-face-to-face finance using a virtual financial terminal through the card reader, including at least one CD (Cash Dispenser) or ATM (Automatic Teller Machine). Security module for controlling the transaction, and the billing information storing the billing information-billing payment information, or arrears payment information, or giro payment information, or other carrier bill payment information, or affiliate bill payment information-according to the use of VoIP A billing system through a VoIP terminal, comprising a memory unit having a billing box, comprising: information providing confirmation means for confirming whether to provide billing information to a VoIP terminal, and a fee to be provided to the VoIP terminal when the information is provided; Check the rates to verify the billing charges, arrears charges, Giro information, or other carrier fees, or partner fees for using VoIP. And, information generating means for generating bill payment information to be provided to the VoIP terminal, and information transmission means for transmitting the bill payment information to the VoIP terminal and storing the bill payment information in the billing box. The information providing confirmation means checks whether information requesting the billing information is received from the VoIP terminal, or checks whether the VoIP terminal requests a call connection after a specific date-time of billing or a date of payment of last fee. Or, it relates to a bill payment system through a VoIP terminal for confirming a preset bill payment information provision policy (or schedule).

With the continuous development of information and communication technology, each financial institution has been using non-face-to-face financial transaction channels through the financial transaction terminal through CD / ATM (Cash Dispenser / Automatic Teller Machine), telebanking, internet banking, and wireless application protocol (WAP) based wireless. It provides various types of non-face-to-face financial transaction channels using customer terminals such as banking and wireless banking based on integrated circuit (IC) chips.

The non-face-to-face financial transaction channel through the CD / ATM of the non-face-to-face financial transaction channel is carried by the customer through a card reader provided in the financial transaction terminal directly managed and operated by each financial institution (or an authorized affiliated company). It is characterized in that it provides a non-face-to-face financial transaction channel using the card information read from the customer card that is present as an authentication means (for example, terminal authentication for the CD / ATM and whether the customer card possession).

In addition, the tele-banking and WAP-based wireless banking of the non-face-to-face financial transaction channel, the characteristics of the communication network that the customer terminal uses a circuit-switched communication network difficult to intervene third-party intervention, and each communication company authenticates the validity of the terminal The non-face-to-face financial transaction channel is provided by using the subscriber authentication characteristic as an authentication means, and the Internet banking uses a non-faceted financial transaction by using an accredited certificate provided to a client terminal connected to an open network through which third party intervention is possible. Characterized by providing a face-to-face financial transaction channel, the IC chip-based wireless banking is characterized by providing a non-face-to-face financial transaction channel using the IC chip as an authentication means.

Recently, VoIP services have been commercialized, including the characteristics of subscriber authentication through carriers, such as telebanking and WAP-based wireless banking, and connected to an open network capable of third-party intervention.

However, the VoIP is difficult to provide a non-face-to-face financial transaction channel such as the telebanking and WAP-based wireless banking because it does not use a circuit-switching scheme, which has subscriber authentication characteristics through the telecommunications company, but the third party intervention is difficult. In order to solve the problem of the open network that can be intervened by the third party, in order to use the certificate as a means of authentication, there is a problem that involves complicated procedures such as inconvenient key input of numeric keys and issuance of a separate certificate. It is included.

An object of the present invention for solving the above problems is provided with a key input means, a screen output means and a card reader, a virtual financial terminal-a CD (Cash Dispenser), ATM (Automatic Teller Machine) through the card reader Security module for controlling non-face-to-face financial transactions using the above-mentioned function, the bill payment information-bill payment information, or arrears payment information, giro payment information, or other carrier bill payment information, or A billing method through a VoIP terminal, comprising a memory unit having a billing box for storing affiliate bill payment information, the method comprising: checking whether billing information is provided to a VoIP terminal; The charges to be provided to the VoIP terminal-billing charges or arrears charges due to the use of VoIP, or geographical information, or other carrier fees or affiliate fees- Providing a payment method through the VoIP terminal comprising the step of confirming, generating the billing information to be provided to the VoIP terminal and transmitting the billing information to the VoIP terminal and storing it in the billing claim. have.

The payment system through the VoIP terminal according to the present invention comprises a key input means, a screen output means and a card reader, and a virtual financial terminal-CD (Cash Dispenser) and ATM (Automatic Teller Machine) through the card reader. Security module for controlling non-face-to-face financial transactions using one or more functions, and the bill payment information-bill payment information, or arrears payment information, giro payment information, or other carrier bill payment information according to VoIP usage A billing system through a VoIP terminal, comprising: a memory unit having a billing box for storing a bill payment information; and a partner billing information, comprising: information providing confirmation means for confirming whether to provide billing information to a VoIP terminal; Rate to be provided to the VoIP terminal at the time of confirmation of the provision-Billing fee, or arrears charges according to VoIP usage, Giro information, or other carrier fee A rate checking means for checking a partner fee, an information generating means for generating fee payment information to be provided to the VoIP terminal, and an information transmitting means for transmitting the fee payment information to the VoIP terminal and storing it in the billing box. Characterized in that it comprises a, wherein the information providing confirmation means, whether the information requesting the billing information is received from the VoIP terminal, or the VoIP terminal is a specific temporary billing date and time, or the final bill payment After the date and time, it is checked whether the call connection is requested, or a predetermined fee payment information provision policy (or schedule) is characterized in that it is checked.

In addition, information storage means for storing the billing information in association with the VoIP terminal information, storage means, payment confirmation means for confirming the payment processing for the billing information stored in the billing box and the storage medium when the payment is confirmed, And information updating means for deleting (or inactivating) the charge payment information stored in the storage device.

The payment method through the VoIP terminal according to the present invention comprises a key input means, a screen output means and a card reader, and a virtual financial terminal-CD (Cash Dispenser), ATM (Automatic Teller Machine) through the card reader Security module for controlling non-face-to-face financial transactions using one or more functions, and the bill payment information-bill payment information, or arrears payment information, giro payment information, or other carrier bill payment information according to the use of the VoIP payment information, In the billing method through a VoIP terminal comprising a memory unit having a billing box for storing the partner billing information-billing information, the step of confirming whether or not to provide the billing information to the VoIP terminal, and when the information provided confirmation, Fees to be provided to the VoIP terminal-billing charges, arrears charges, or geo-information, or other carrier fees, or affiliate fees- By sending a step of generating a bill payment information to provide to the step of identifying, the VoIP terminal and the fee payment information to the VoIP terminal is characterized in that comprises the step of storing as the billing charge.

The VoIP terminal with a bill payment function according to the present invention includes a key input means, a screen output means, and a card reader, and a virtual financial terminal-CD (Cash Dispenser) and ATM (Automatic Teller Machine) through the card reader. Security module for controlling non-face-to-face financial transactions using a function, and the bill payment information-bill payment information, or arrears payment information, giro payment information, or other carrier bill payment information according to the use of VoIP payment information And a memory unit having a billing box for storing affiliate bill payment information, comprising: a payment information confirming section for verifying one or more payment target billing information stored in the billing box; When the target fee payment information is checked, the target fee payment information is output through the screen output means, and the payment fee is displayed. An interface output unit for outputting a fee payment interface for requesting payment approval for a fee corresponding to the fee payment information, and a payment approval for confirming payment approval for a fee corresponding to the fee target payment information through the fee payment interface; A confirmation unit and an information generation unit for generating payment information for processing the payment using a virtual financial terminal function through the security module based on the payment target fee payment information upon confirmation of the payment approval; The virtual information in association with the security processing module and the security module for processing the payment information and payment card information (or account information) read through the card reader and the password entered through the key input means to be paid by the financial company server and processing the payment. A virtual financial terminal control unit for controlling the financial terminal function is provided. It characterized by that.

Further, according to the control of the virtual financial terminal function of the security module, the virtual financial terminal information provided in the security module is transmitted to the financial institution server through the secure communication channel connected between the VoIP terminal and the financial institution server so that the VoIP terminal is virtual. Characterized in that it further comprises a terminal authentication processing unit for processing to be recognized as a financial transaction terminal.

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

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or 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 an association of at least two or more functional components provided in one or more servers (or terminals). In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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

Hereinafter, the illustrated embodiment is a communication fee (billing fee or late payment) of the VoIP terminal through a virtual CD / ATM-based non-face-to-face financial transaction function provided in the VoIP terminal in the billing management server provided in the VoIP network of the VoIP provider The payment of the fee) will be described as a main embodiment to describe the technical features of the present invention. However, in the present invention, the payment target to be paid through the virtual CD / ATM-based non-face-to-face financial transaction function through VoIP is not limited to the communication fee (billing fee or late payment fee) for the VoIP terminal. It is clear that payments made through virtual CD / ATM-based non-face-to-face financial transaction through include one or more giro payments, other carrier telecommunication charges, and one or more affiliate fee payments.

1 is a diagram illustrating a payment management system through a virtual CD / ATM based non-face-to-face financial transaction function through VoIP according to an embodiment of the present invention.

In more detail, Figure 1 is a Voice over Internet Protocol (VoIP) or Internet telephone subscription customer provided with a key input means, a screen output means and a card reader, a virtual financial terminal (eg, CD (Cash Dispenser) through the card reader In the VoIP terminal 160 having a security module for controlling non-face-to-face financial transactions using the ATM function (including one or more Automatic Teller Machine)), the billing management server 100 provided in the VoIP network of the VoIP provider Check the communication charge information (billing charge information, or non-payment charge information) for the VoIP terminal 160, and the virtual CD / ATM-based non-face-to-face provided in the VoIP terminal 160 including the communication charge information. After generating the communication fee payment information (billing fee payment information, or arrears fee payment information) that can pay the communication fee through a financial transaction, the generated communication fee payment information to the VoIP terminal 160 As a system configuration for transmitting and storing in the billing box provided in the VoIP terminal 160, those skilled in the art to which the present invention pertains, refer to and / or modify the Figure 1 to the VoIP Various implementation methods for the configuration of the payment management system through the virtual CD / ATM-based non-face-to-face financial transaction function can be inferred, but the present invention includes all the implementation methods inferred from the above, and the implementation method illustrated in FIG. It is not limited to only.

That is, in the present invention, the payment target to be paid through the virtual CD / ATM-based non-face-to-face financial transaction function through VoIP is not limited to the communication fee (billing fee or late payment fee) for the VoIP terminal 160. Payment through the virtual CD / ATM-based non-face-to-face financial transaction function via VoIP, characterized in that the payment comprises a variety of giro payments, other telecommunications carrier bill payments, affiliate bill payments, one or more It is apparent that the subject is not limited to the communication fee (billing fee or late payment fee) for the VoIP terminal 160.

Referring to FIG. 1 according to an embodiment of the present invention, a payment management system through a virtual CD / ATM based non-face-to-face financial transaction function through VoIP includes at least one VoIP terminal 160 connected to a communication network, and the VoIP. Check the communication fee information (billing fee information or non-payment fee information) for the VoIP terminal 160 in connection with the gatekeeper / exchange provided in the VoIP network connected to the terminal 160, and includes the communication fee information After generating the communication fee payment information (billing fee payment information, or arrears fee payment information) that can pay the communication fee through a virtual CD / ATM based non-face-to-face financial transaction provided to the VoIP terminal 160, And a billing management server 100 which transmits the generated bill information to the VoIP terminal 160 and stores it in a billing box provided in the VoIP terminal 160. And a VoIP gateway for relaying the VoIP terminal 160 to the VoIP network, and a gatekeeper / switch for charging call processing and communication charges for the VoIP terminal 160. .

However, in FIG. 1, the billing management server 100 is illustrated as one server for convenience. However, the present invention is not limited thereto, and the billing management server 100 is provided for each component. It is possible to be implemented in the form of two or more server groups, the present invention is characterized in that it comprises all the possible inference method.

The VoIP terminal 160 has a voice call function for connecting a voice call channel with one or more call terminals (eg, another VoIP terminal 160, a mobile phone, a wired telephone, etc.) through the VoIP gateway and the gatekeeper / switch, and a key. Virtual CD via VoIP shown in Figure 6 through a security module that controls input means, screen output means, card readers, and financial terminals (e.g., including at least one CD (Cash Dispenser) and ATM (Automatic Teller Machine)) / ATM based non-face-to-face financial transaction function, and further comprising a payment settlement function for processing the card payment through the payment means including the card information read through the card reader according to the intention of the skilled person Characterized in that made.

The payment management system through the virtual CD / ATM-based non-face-to-face financial transaction function through VoIP, customer information and VoIP terminal 160 information for the customer subscribed to the VoIP service or Internet phone service through the VoIP terminal 160 At least one billing fee information charged in correspondence with the VoIP terminal 160 and the nonpayment fee information to which a certain amount of additional charges (omitted) are added because the billing fee is not paid within a preset payment period. Characterized in that it comprises a storage medium 150 for further storing the communication fee information to include.

Here, the customer information includes the personal information (or subscriber information) of the customer who purchased (or received) the VoIP terminal 160 and subscribed to the VoIP service or the Internet telephony service for the VoIP terminal 160. It is preferable to make.

The VoIP terminal 160 information is identification information assigned to the VoIP terminal 160 by a VoIP provider to identify the VoIP terminal 160 used by the customer among the plurality of VoIP terminals 160. Preferably, the VoIP terminal 160 includes the telephone number, and other identification information (for example, an ESN, a serial number, or an IP address, etc.) is added to the VoIP terminal 160 telephone number according to the intention of a person skilled in the art. It is preferable to comprise.

The communication charge information includes basic charge information charged to the VoIP terminal 160 and voice charged by using a voice call service through the VoIP terminal 160 during a predetermined VoIP service or Internet telephony service period. And a billing information including one or more call charges, data communication charges charged by using the data communication service during the period, and one or more additional service charges charged by using the various additional services during the period. In addition, it is preferable that the billing fee is not paid within a preset payment period, and further includes a delinquent fee information to which a certain amount of additional money (omitted) is added.

According to another exemplary embodiment of the present invention, the communication fee information further includes various branch information, other carrier fee information, or affiliate fee information in addition to the communication fee (billing fee or non-payment fee) according to the use of the VoIP. It is possible that the present invention is not limited thereby.

The bill payment management server 100 checks the communication fee information for the specific VoIP terminal 160 stored in the storage medium 150, and includes the communication fee information, the virtual CD provided in the VoIP terminal 160 It includes the functional names of the functional components that perform the function of generating and transmitting the communication fee payment information that can pay the communication fee through / ATM-based non-face-to-face financial transactions.

According to an exemplary embodiment of the present invention, when the VoIP terminal 160 is provided with a communication rate menu, the payment management server 100 selects the communication rate menu from the VoIP terminal 160 to select the VoIP. It is preferable to check the communication charge information for the VoIP terminal 160 in association with the storage medium 150 based on the communication charge confirmation request information transmitted from the terminal 160.

According to another embodiment of the present invention, the billing management server 100 is the gatekeeper / exchange after the specified date and time (eg, communication billing date, or the last billing date and time payment) in the VoIP terminal 160 In the case of requesting call processing through the VoIP terminal (eg, when the user of the VoIP terminal 160 uses the VoIP terminal 160), the VoIP terminal 160 is connected to the gatekeeper / switch that performs the call processing. It is preferable to confirm that the service is in use and to check the communication charge information for the VoIP terminal 160 in association with the storage medium 150.

In particular, the payment management server 100 checks whether the VoIP terminal 160 requests a call processing from the VoIP terminal 160 in connection with the gatekeeper / exchange and checks the call terminal (or call center). Only when the call processing is possible, it is possible to confirm the communication charge information for the VoIP terminal 160 in association with the storage medium 150, thereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the billing management server 100 is connected to the storage medium 150 to the VoIP terminal 160 in accordance with a preset communication bill payment information provision policy (or schedule). It is desirable to check the communication charge information.

Referring to FIG. 1 according to an embodiment of the present invention, when the billing management server 100 is provided with a communication fee menu in the VoIP terminal 160, the communication fee menu in the VoIP terminal 160 When the communication charge confirmation request information is transmitted by selecting the information receiving unit 110 (or information providing confirmation means) for receiving the communication charge confirmation request information, and when the communication charge confirmation request information is received, the gatekeeper / Check the information on the VoIP terminal 160 that has transmitted the communication fee confirmation request information in association with an exchange, and the billing information or late fee information associated with the VoIP terminal 160 information in connection with the storage medium 150. It is characterized in that it comprises a charge confirmation unit 120 (or charge confirmation means) for confirming the communication charge information including any one of.

According to an embodiment of the present invention, when the VoIP terminal 160 is provided with a communication rate menu, when the communication rate confirmation request information is transmitted by selecting the communication rate menu in the VoIP terminal 160, the information receiving unit 110 is characterized in that for receiving the communication charge confirmation request information from the VoIP terminal 160.

According to another exemplary embodiment of the present invention, when the virtual CD / ATM-based non-face-to-face financial transaction function supports various giro payments, other telecommunication service provider payments, and affiliate payments, the VoIP terminal 160 includes a giro payment menu, It is possible to have one or more other carrier communication fee payment menu, one or more affiliate bill payment, and when the VoIP terminal 160 selects any one of the menus and transmits the communication fee confirmation request information, the information receiver 110 ) May receive the communication fee confirmation request information from the VoIP terminal 160.

When the communication fee confirmation request information is received through the information receiver 110, the fee check unit 120 transmits the communication fee confirmation request information in association with a gatekeeper / exchange on the VoIP network. And confirming the information, and when the VoIP terminal 160 information is confirmed, any of the billing information or the unpaid billing information associated with the VoIP terminal 160 information in association with the storage medium 150. It is characterized by checking the communication fee information including one.

Referring to FIG. 1 according to another exemplary embodiment of the present invention, the billing management server 100 transmits communication fee payment information to the VoIP terminal 160 in response to a call processing request of the VoIP terminal 160. If so, the VoIP terminal 160 information requesting the call processing after a specific date (eg, communication billing date, or last payment date) is linked with the gatekeeper / exchange, and the storage medium ( Call connection confirmation unit 105 (or information providing confirmation means) for confirming that the communication fee information associated with the VoIP terminal 160 information is stored in association with 150 and the VoIP terminal 160 requesting the call connection When the information is confirmed, the charge confirmation unit 120 confirms the communication charge information including any one of the billing information or the unpaid charges information associated with the VoIP terminal 160 information in association with the storage medium 150 (Or yo Gold identification means).

According to another exemplary embodiment of the present invention, when the communication fee payment information is provided to the VoIP terminal 160 in response to a call processing request of the VoIP terminal 160, the call connection confirming unit 105 reads a timer. Check whether the date and time (eg, communication billing date or last payment date) for providing communication bill payment information arrives to the VoIP terminal 160, and when the date and time is arrived, the gatekeeper / And confirming the VoIP terminal 160 information requesting the call processing in connection with the exchange. When the VoIP terminal 160 information requesting the call processing is confirmed, the VoIP terminal 160 is connected with the storage medium 150 to confirm the information. Characterized in that the communication fee information associated with the VoIP terminal 160 information is stored, and the effective communication fee associated with the VoIP terminal 160 information requesting the call processing to the storage medium 150 When beams are stored, and is preferably found to provide payment information, the communication fee to the VoIP terminal 160.

According to another embodiment of the present invention, the virtual CD / ATM-based non-face-to-face financial transaction function supports various payments of giro, payment of other telecommunication companies, payment of affiliate fees, and the payment management server 100 supports the VoIP system. When provided externally, the call connection confirmation unit 105 may check the VoIP terminal 160 information for requesting call processing in connection with a gatekeeper / switch on the VoIP system through a communication network.

Even if the processing of the various giro payments, other carrier communication fees payments, affiliate fees payment through the virtual CD / ATM based non-face-to-face financial transaction function, the bill payment management server 100 is the various payments for giro payments, other carrier communication In the case of bill payment and affiliate bill payment, the bill payment management server 100 may be provided in the VoIP system, whereby the present invention is not limited.

When the VoIP terminal 160 information for providing the communication fee payment information of the VoIP terminal 160 which has requested the call processing by the call connection confirming unit 105 is confirmed, the rate checking unit 120 stores the storage medium 150. ) And checks the communication charge information including any one of the charge rate information or the late charge rate information associated with the VoIP terminal 160 information.

Referring to FIG. 1 according to another exemplary embodiment of the present invention, the fee payment management server 100 pays a communication fee to the VoIP terminal 160 according to a preset communication fee payment information provision policy (or schedule). In the case of providing the information, the information confirmation unit 115 (or information providing confirmation means) for confirming the information on the communication terminal payment information provision target VoIP terminal 160 based on the communication fee payment information provision policy (or schedule); When the VoIP terminal 160 information to be provided for the communication fee payment information is confirmed based on the information, any one of the billing information or the non-payment fee information associated with the VoIP terminal 160 information in connection with the storage medium 150 is determined. It is characterized in that it comprises a charge confirmation unit 120 (or charge confirmation means) for confirming the communication charge information to include.

According to another exemplary embodiment of the present invention, when the communication charge payment information is provided to the VoIP terminal 160 according to a preset communication charge payment information provision policy (or schedule), the information checking unit 115 performs the communication. Based on a bill payment information provision policy (or schedule), the VoIP terminal 160 providing the communication bill payment information in association with a database (not shown) storing information on one or more communication bill payment information provision target VoIP terminals 160. It is characterized by checking the information.

According to another embodiment of the present invention, when supporting various payments through the virtual CD / ATM-based non-face-to-face financial transaction function, payment by other telecommunication company communication fees, payment of affiliate fees, the information checking unit 115 provides various payments by Jiro. A database for storing one or more information-provided VoIP terminal 160 information according to an information provision policy (or schedule), another carrier billing information provision policy (or schedule), and an affiliate bill payment information provision policy (or schedule) (Information omitted), it is possible to confirm the information to be provided to the VoIP terminal 160 information, and thereby the present invention is not limited.

When the information on the VoIP terminal 160 to provide communication fee payment information is confirmed by the information confirming unit 115, the rate confirming unit 120 is connected to the storage medium 150 and the VoIP terminal 160 information. Characterized in that the communication charge information including any one of the billing information or the unpaid fee information associated with.

Referring to FIG. 1, the bill payment management server 100 includes a virtual CD / ATM-based non-face-to-face finance provided in the VoIP terminal 160 including the communication fee information confirmed by the fee check unit 120. An information generating unit 125 (or information generating means) for generating communication charge payment information (billing charge payment information, or unpaid charge payment information) for paying the communication charge using a transaction function; Characterized in that it comprises the information transmitting unit 130 (or information transmission means) for transmitting the billing information to the VoIP terminal 160 and stored in the billing box provided in the VoIP terminal 160, the generation It characterized in that it further comprises an information storage unit 135 (or information storage means) for storing the communication fee payment information in association with the VoIP terminal 160 information in the storage medium 150.

When the communication rate information to be provided to the VoIP terminal 160 is confirmed through the rate checking unit 120, the information generating unit 125 includes the confirmed communication rate information and is provided in the VoIP terminal 160. And using the virtual CD / ATM-based non-face-to-face financial transaction function to generate communication fee payment information (bill fee payment information or late payment fee payment information) for paying the communication fee.

According to an embodiment of the present invention, when the communication charge information stored in the storage medium 150 includes charge charge information, the information generating unit 125 includes the charge charge information to the VoIP terminal 160. It is preferable to generate bill payment information for paying the bill using the provided virtual CD / ATM based non-face-to-face financial transaction function.

According to another exemplary embodiment of the present invention, when the communication fee information stored in the storage medium 150 includes late payment fee information, the information generating unit 125 includes the late payment fee information and the VoIP terminal 160. It is preferable to generate non-payment fee payment information for processing the non-payment fee using the virtual CD / ATM-based non-face-to-face financial transaction function provided in the.

Here, the communication fee payment information includes communication fee information (billing fee information, or nonpayment fee information) according to the use of the VoIP, payment expiration date information that can be processed to pay the communication fee, payment process for the communication fee VoIP terminal with payment means setting information for setting up one or more fee payment means (eg, financial account, credit card, debit card, debit card, cash card), and the virtual CD / ATM based non-face-to-face financial transaction function. Charge payment control information for controlling the payment of the communication fee through any one of the payment means corresponding to the payment means setting information at 160, the communication fee collecting means information (for example, the communication fee is to be paid) It is preferable to include one or more of the collection account information, collection information for merchants). That is, the communication fee payment information is the payment of the communication fee through the virtual CD / ATM based non-face-to-face financial transaction function in the VoIP terminal 160 having the virtual CD / ATM-based non-face-to-face financial transaction function without additional user procedures It is preferable to include all the information to do.

According to another embodiment of the present invention, the communication fee payment information, in addition to the communication fee information (billing fee information, or arrears fee information) according to the use of the VoIP, various giro payment information, or other carrier bill payment information, or affiliate fee It is possible to further include payment information, whereby the present invention is not limited.

When the communication fee payment information including any one of the bill payment information or the unpaid bill payment information is generated through the information generator 125, the information transmitter 130 may generate the generated bill information. The VoIP terminal 160 transmits the data to the VoIP terminal 160 through a communication network to which the VoIP terminal 160 is connected, and stores the information in a billing box provided in the VoIP terminal 160.

According to an exemplary embodiment of the present invention, the information transmitter 130 generates a message including the communication fee payment information according to the message exchange protocol provided in the VoIP network, and transmits the message to the VoIP terminal 160 to transmit the message. Preferably, the communication bill payment information is stored in a billing box provided in the VoIP terminal 160.

According to another exemplary embodiment of the present invention, the information transmitter 130 transmits the communication fee payment information to the VoIP terminal 160 through a data communication channel provided in the VoIP network, thereby transmitting the VoIP terminal 160. It is preferable to store the communication fee payment information in the billing box provided in.

According to another exemplary embodiment of the present invention, the information transmitter 130 transmits the communication fee payment information to the VoIP terminal 160 according to a communication protocol on a communication network in which the VoIP network is implemented, thereby transmitting the VoIP terminal ( It is preferable to store the communication fee payment information in the billing box provided in 160.

Referring to FIG. 1, the billing management server 100 transmits the communication bill payment information to the VoIP terminal 160 and stores the bill in the payment invoice provided in the VoIP terminal 160. Payment confirmation unit 145 (or payment) for confirming whether a communication fee corresponding to the communication fee payment information is paid in connection with the financial company server 155 linked to the virtual CD / ATM-based non-face-to-face financial transaction function provided in 160. Confirmation means) and an information update unit 140 (or information update means) for deleting or deactivating communication charge payment information stored in the storage medium 150 when confirming the communication charge payment corresponding to the communication charge payment information. It characterized by comprising a.

After the communication fee payment information is transmitted to the VoIP terminal 160 through the information transmitter 130 and stored in the payment invoice provided in the VoIP terminal 160, the payment confirmation unit 145 is the VoIP terminal. And confirming that the communication fee corresponding to the communication fee payment information is paid in connection with the financial company server 155 linked to the virtual CD / ATM-based non-face-to-face financial transaction function provided at 160. When it is confirmed by the unit 145 that the communication fee is paid, the information update unit 140 may delete or deactivate the communication fee payment information stored in the storage medium 150.

2 is a diagram illustrating a process of transmitting communication charge payment information to a VoIP terminal 160 and storing it in a billing claim box according to an embodiment of the present invention.

In more detail, FIG. 2 shows communication fee confirmation request information transmitted from the VoIP terminal 160 in the payment management server 100 shown in FIG. 1 when the VoIP terminal 160 is provided with a communication fee menu. Check the communication charge information (billing charge information, or non-payment charge information) for the VoIP terminal 160 based on the virtual CD / ATM-based ratio included in the VoIP terminal 160 including the communication charge information. The present invention relates to a process of generating communication fee payment information (billing fee payment information or nonpayment fee payment information) for paying the communication fee through a face-to-face financial transaction and transmitting it to the VoIP terminal 160. If one of ordinary skill in the art, various embodiments of the process of transmitting the communication charge payment information to the VoIP terminal 160 and stored in the billing invoice with reference to and / or modifying the Figure 2 It would be possible to infer a method (e.g., a method for which some steps were omitted or the order was changed), but the present invention includes all the methods of inferring the above, and the technical method is described only by the method shown in FIG. Features are not limited.

Hereinafter, in FIG. 2, the bill payment management server 100 shown in FIG. 1 is referred to as a "server" for convenience, and the bill fee or the unpaid fee is collectively referred to as a communication fee.

Referring to FIG. 2, the VoIP terminal 160 equipped with the communication rate menu checks whether the communication rate menu is selected by the user (200), and if the communication rate menu is selected (205), to the server. The communication rate confirmation request information is transmitted by selecting the communication rate menu (210).

Thereafter, the server checks the information of the VoIP terminal 160 which has transmitted the communication fee request information in connection with the gatekeeper / exchange provided in the VoIP network (215) and the VoIP in association with the storage medium 150. The communication charge information for providing at least one VoIP terminal 160 that can be provided to the VoIP terminal 160 among the billing information or late payment fee information associated with the terminal 160 information is checked (220).

If the communication fee information for providing the VoIP terminal 160 is not confirmed (225), the server generates the communication fee undetermined information for providing the VoIP terminal 160 and provides it to the VoIP terminal 160 (230).

On the other hand, if the communication charge information for providing the VoIP terminal 160 is confirmed (225), the server extracts the communication charge information for providing the VoIP terminal 160 from the storage medium 150, and includes the communication charge information. By using the virtual CD / ATM-based non-face-to-face financial transaction function provided in the VoIP terminal 160 to generate communication fee payment information (bill fee payment information, or unpaid bill payment information) for payment processing (235).

According to an exemplary embodiment of the present invention, when the communication charge information stored in the storage medium 150 includes charge charge information, the server includes the charge charge information and includes a virtual CD / It is preferable to generate bill payment information for paying the bill using an ATM-based non-face-to-face financial transaction function.

According to another exemplary embodiment of the present invention, when the communication fee information stored in the storage medium 150 includes late payment fee information, the server includes the late payment fee information and the virtual CD provided in the VoIP terminal 160. It is preferable to generate non-payment fee payment information for paying the non-payment fee using a non-face-to-face financial transaction function.

Here, the communication fee payment information includes the communication fee information (billing fee information, or non-payment fee information), the payment expiration date information that can pay the communication fee, one that can pay the communication fee VoIP terminal 160 having payment means setting information for setting the above fee payment means (for example, financial account, credit card, debit card, debit card, cash card) and the virtual CD / ATM based non-face-to-face financial transaction function. Charge control information for controlling payment of the communication fee through any one of the payment means corresponding to the payment means setting information in the communication fee collecting means information (eg, collection account information) to which the communication fee is to be paid; , Merchant information for collecting merchants). That is, the communication fee payment information is the payment of the communication fee through the virtual CD / ATM based non-face-to-face financial transaction function in the VoIP terminal 160 having the virtual CD / ATM-based non-face-to-face financial transaction function without additional user procedures It is preferable to include all the information to do.

According to another embodiment of the present invention, the communication fee payment information, in addition to the communication fee information (billing fee information, or arrears fee information) according to the use of the VoIP, various giro payment information, or other carrier bill payment information, or affiliate fee It is possible to further include payment information, whereby the present invention is not limited.

If communication charge payment information including any one of the billing payment information or the unpaid payment information is generated (240), the server connects the generated communication bill payment information to the communication terminal to which the VoIP terminal 160 is connected. In operation 245, the VoIP terminal 160 receives the communication fee payment information and stores the communication fee payment information in the payment invoice 250.

3 is a diagram illustrating a process of transmitting communication charge payment information to a VoIP terminal 160 and storing it in a billing claim box according to another exemplary embodiment of the present invention.

In more detail, when FIG. 3 provides communication fee payment information to the VoIP terminal 160 in response to a call processing request of the VoIP terminal 160, the billing management server 100 shown in FIG. Check the information on the VoIP terminal 160 requesting the call processing in connection with the gatekeeper / switch, check the communication charge information (billing charge information or late payment charge information) for the VoIP terminal 160, and the communication charge information. To generate the communication fee payment information (billing fee payment information, or delinquent fee payment information) to pay the communication fee through a virtual CD / ATM-based non-face-to-face financial transaction provided in the VoIP terminal 160 Regarding the process of transmitting to the VoIP terminal 160, a person having ordinary knowledge in the technical field to which the present invention belongs, communication fee payment information to the VoIP terminal 160 by referring to and / or modified in the Figure 3 Various implementation methods (e.g., some steps may be omitted or the order may be changed) may be inferred for the process of transmitting and storing in the invoice, but the present invention includes all the implementation methods inferred above. However, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 3, the bill payment management server 100 shown in FIG. 1 is referred to as a "server" for convenience, and the bill fee or the unpaid bill is collectively called a communication fee.

Referring to FIG. 3, the server checks whether a date (eg, a communication billing date or a communication billing final payment date) for providing communication billing information to the VoIP terminal 160 arrives by reading a timer. When it is confirmed that the date and time has arrived, the terminal checks the information of the VoIP terminal 160 requesting the call processing in association with the gatekeeper / switch (300).

If the VoIP terminal 160 information requesting the call processing is confirmed (305), the VoIP terminal 160 is linked with the storage medium 150, the billing information associated with the VoIP terminal 160 information Alternatively, the communication fee information for providing at least one VoIP terminal 160 that can be provided to the VoIP terminal 160 is checked in the late fee information 310.

If the communication charge information for providing the VoIP terminal 160 is confirmed (315), the server extracts the communication charge information for providing the VoIP terminal 160 from the storage medium 150, and includes the communication charge information. By using the virtual CD / ATM-based non-face-to-face financial transaction function provided in the VoIP terminal 160 to generate communication fee payment information (bill fee payment information, or unpaid bill payment information) for payment processing (320).

According to an exemplary embodiment of the present invention, when the communication charge information stored in the storage medium 150 includes charge charge information, the server includes the charge charge information and includes a virtual CD / It is preferable to generate bill payment information for paying the bill using an ATM-based non-face-to-face financial transaction function.

According to another exemplary embodiment of the present invention, when the communication fee information stored in the storage medium 150 includes late payment fee information, the server includes the late payment fee information and the virtual CD provided in the VoIP terminal 160. It is preferable to generate non-payment fee payment information for paying the non-payment fee using a non-face-to-face financial transaction function.

Here, the communication fee payment information includes the communication fee information (billing fee information, or non-payment fee information), the payment expiration date information that can pay the communication fee, one that can pay the communication fee In the VoIP terminal 160 having the payment means setting information for setting the above fee payment means (for example, financial account, credit card, debit card, debit card, cash card) and the virtual CD / ATM based non-face-to-face financial transaction function. Bill payment control information for controlling the payment of the communication fee through any one of the payment means corresponding to the payment means setting information, communication fee collection means information (for example, collection account information, It is preferable to include one or more collection information merchants). That is, the communication fee payment information may be used for the communication fee through the virtual CD / ATM based non-face-to-face financial transaction function without additional user procedure in the VoIP terminal 160 having the virtual CD / ATM-based non-face-to-face financial transaction function. It is desirable to include all the information for payment.

According to another embodiment of the present invention, the communication fee payment information, in addition to the communication fee information (billing fee information, or arrears fee information) according to the use of the VoIP, various giro payment information, or other carrier bill payment information, or affiliate fee It is possible to further include payment information, whereby the present invention is not limited.

If communication charge payment information including any one of the billing payment information or the unpaid payment information is generated (325), the server connects the generated communication bill payment information to the communication terminal to which the VoIP terminal 160 is connected. Through the transmission to the VoIP terminal 160 through 330, and correspondingly, the VoIP terminal 160 receives the communication fee payment information and stores it in the payment bill (335).

4 is a diagram illustrating a process of transmitting communication charge payment information to a VoIP terminal 160 and storing it in a billing claim box according to another exemplary embodiment of the present invention.

In more detail, FIG. 4 illustrates a case in which the billing management server 100 illustrated in FIG. 1 is provided when the billing information is provided to the VoIP terminal 160 according to a preset billing information providing policy (or schedule). Checks the VoIP terminal 160 information to which the communication fee payment information is provided based on the communication fee payment information provision policy (or schedule), and communication fee information (billing fee information or late payment fee information) for the VoIP terminal 160. ), And the communication fee payment information (bill fee payment information, which can pay the communication fee through the virtual CD / ATM-based non-face-to-face financial transactions provided in the VoIP terminal 160 including the communication fee information) Or to generate a late payment fee information) and transmit it to the VoIP terminal 160. Those skilled in the art may refer to FIG. 4 and / or FIG. May be modified to infer various implementation methods (e.g., some steps may be omitted or changed in order) for transmitting the communication fee payment information to the VoIP terminal 160 and storing it in the billing invoice. 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 bill payment management server 100 shown in FIG. 1 is referred to as a " server " for convenience, and the bill or unpaid bill is collectively referred to as a communication fee.

Referring to FIG. 4, the server charges the communication fee in association with a database (not shown) storing information on one or more communication fee payment information-providing VoIP terminals 160 based on a communication fee payment information provision policy (or schedule). The payment information provision target VoIP terminal 160 confirms the information (400).

If the information on the VoIP terminal 160 to provide the communication fee payment information is confirmed (405), the VoIP terminal 160 is linked to the VoIP terminal 160 information in association with the storage medium 150, the billing fee associated with the information The communication fee information for providing at least one VoIP terminal 160 that can be provided to the VoIP terminal 160 is checked among information or late payment information (410).

If the communication charge information for providing the VoIP terminal 160 is confirmed (415), the server extracts the communication charge information for providing the VoIP terminal 160 from the storage medium 150, and includes the communication charge information. By using the virtual CD / ATM-based non-face-to-face financial transaction function provided in the VoIP terminal 160 to generate communication fee payment information (bill fee payment information, or unpaid bill payment information) for payment processing (420).

According to an exemplary embodiment of the present invention, when the communication charge information stored in the storage medium 150 includes charge charge information, the server includes the charge charge information and includes a virtual CD / It is preferable to generate bill payment information for paying the bill using an ATM-based non-face-to-face financial transaction function.

According to another exemplary embodiment of the present invention, when the communication fee information stored in the storage medium 150 includes late payment fee information, the server includes the late payment fee information, and the virtual terminal is provided in the VoIP terminal 160. It is preferable to generate non-payment fee payment information for processing the non-payment fee using a CD / ATM based non-face-to-face financial transaction function.

Here, the communication fee payment information includes the communication fee information (billing fee information, or non-payment fee information), the payment expiration date information that can pay the communication fee, one that can pay the communication fee In the VoIP terminal 160 having the payment means setting information for setting the above fee payment means (for example, financial account, credit card, debit card, debit card, cash card) and the virtual CD / ATM based non-face-to-face financial transaction function. Bill payment control information for controlling the payment of the communication fee through any one of the payment means corresponding to the payment means setting information, communication fee collection means information (for example, collection account information, It is preferable to include one or more collection information merchants). That is, the communication fee payment information is the payment of the communication fee through the virtual CD / ATM based non-face-to-face financial transaction function in the VoIP terminal 160 having the virtual CD / ATM-based non-face-to-face financial transaction function without additional user procedures It is preferable to include all the information to do.

According to another embodiment of the present invention, the communication fee payment information, in addition to the communication fee information (billing fee information, or arrears fee information) according to the use of the VoIP, various giro payment information, or other carrier bill payment information, or affiliate fee It is possible to further include payment information, whereby the present invention is not limited.

If communication bill payment information including any one of the billing payment information or the unpaid bill payment information is generated (425), the server connects the generated communication bill payment information to the communication terminal to which the VoIP terminal 160 is connected. Through the transmission to the VoIP terminal 160 through 430, and correspondingly, the VoIP terminal 160 receives the communication fee payment information and stores it in the payment bill (435).

5 is a diagram illustrating a payment confirmation process for communication charge payment information provided to the VoIP terminal 160 according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates that the communication fee payment information is transmitted to the VoIP terminal 160 through the process shown in FIG. 2 or FIG. Regarding a process of checking whether a communication charge (billing charge or non-payment charge) is processed, a person having ordinary knowledge in the technical field to which the present invention pertains refers to the VoIP terminal by referring to and / or modifying the drawing 5. Although various implementation methods (e.g., some steps may be omitted or the order may be changed) may be inferred for the payment confirmation process for the communication fee payment information provided in 160), the present invention may infer all implementation methods inferred from the above. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the bill payment management server 100 shown in FIG. 1 is referred to as a "server" for convenience, and the bill fee or the unpaid bill is collectively referred to as a communication fee.

Referring to FIG. 5, after the communication fee payment information is transmitted to the VoIP terminal 160 through the process illustrated in FIG. 2, FIG. 3, or FIG. 4 and stored in the payment process, the server is connected with the communication fee payment information. Corresponding to the VoIP terminal 160 information is stored in the storage medium 150 (500), and correspond to the communication fee payment information in connection with the financial company server 155 corresponding to the payment means included in the communication fee payment information Check whether the communication fee to be paid (505).

If it is confirmed that the communication fee is paid (510), the server erases or deactivates the communication fee payment information stored in the storage medium 150 (515).

6 is a diagram illustrating a functional configuration of a VoIP terminal 600 having a virtual CD / ATM based non-face-to-face financial transaction function through VoIP according to an embodiment of the present invention.

In more detail, FIG. 6 includes a key input means, a screen output means, and a card reader, and includes a virtual financial terminal (eg, a CD (Cash Dispenser) and at least one Automatic Teller Machine (ATM)) through the card reader. In the VoIP terminal 600 having a security module 640 for controlling non-face-to-face financial transactions using a function, the virtual terminal via VoIP based on the card reader and key input means, screen output means and security module 640 Provide a CD / ATM-based non-face-to-face financial transaction function, but based on the virtual CD / ATM-based non-face-to-face financial transaction function, the communication fee received from the bill payment management server 100 shown in FIG. The present invention relates to a method of processing a payment of a communication fee (bill or unpaid fee) for the VoIP terminal 600 through payment information (bill fee payment information or unpaid fee payment information). Those skilled in the art may refer to, and / or modify, the VoIP terminal having other non-face-to-face financial transaction functions in addition to the virtual CD / ATM-based non-face-to-face financial transaction functions through VoIP. Various additional functional configurations for 600 may be further inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 6, the VoIP terminal 600 for virtual CD / ATM-based non-face-to-face financial transactions through VoIP basically includes a control unit 605, a memory unit 630, a card reader unit 610, and a key input unit 620. ), A screen output unit 615, a sound processor 625, a security module 640, and a power supply unit 645 for supplying power to the VoIP terminal 600. A VoIP communication channel is connected to a gateway (or gatekeeper) through a connected communication network, or a financial institution server 690 (or a communication relay server 695) on the communication network connected to the VoIP terminal 600 is connected to the VoIP. And a communication processing unit 635 for connecting a communication channel for virtual CD / ATM based non-face-to-face financial transactions, and further comprising at least one terminal function unit (not shown) according to the intention of a person skilled in the art. It is possible.

The control unit 605 controls the overall operation of the VoIP terminal 600 in the configuration of functions, manages the flow of information or data between each component, and for the virtual CD / ATM based non-face-to-face financial transaction function through the VoIP At least one processor and an execution memory including at least one component interworking and controlling at least one component provided in the VoIP terminal 600 and including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware (Eg, a register or a random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data, and in order to perform a function specific to the VoIP terminal 600 by software. A predetermined program routine or program loaded by the processor which is loaded from the recording medium into the execution memory. A program recorded on a recording medium provided to the VoIP terminal 600 for a virtual CD / ATM-based non-face-to-face financial transaction function through the VoIP, or a functional configuration provided to the VoIP terminal 600. And a component that can be processed by software in the control unit 605).

According to the exemplary embodiment of the present invention, the controller 605 is configured to display the components (for example, the memory unit 630, the card reader unit 610, the key input unit 620, and the screen provided in the VoIP terminal 600). The electronic payment service defined in the VoIP terminal 600 is provided by interworking the unit 615, the security module 640 and the communication processing unit 635, or a terminal function unit (not shown) according to the intention of a person skilled in the art. To control and manage, as well as to interoperate and control the components provided in the VoIP terminal 600 for virtual CD / ATM-based non-face-to-face financial transactions via VoIP, or virtual CD / ATM via VoIP It is preferable to execute a program recorded on a recording medium provided in the VoIP terminal 600 for a non-face-to-face financial transaction.

The memory unit 630 may input or 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 600 is performed. General term for non-volatile memory for storing data, including at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EPEROM) or Flash Memory (FM) or Hard Disk Drive (HDD). And a predetermined program routine and program data (for example, data input or outputted to perform a predetermined function by the program routine) required for the control unit 605 to perform a predetermined control function. It is done.

According to the method of the present invention, the memory unit 630 is the VoIP terminal 600 in the financial company server 690 (or communication relay server 695) for the virtual CD / ATM based non-face-to-face financial transactions via the VoIP It is preferable to store the security module 640 information for confirming the security module 640 provided in the).

According to the method of the present invention, the memory unit 630 is a card information (or account information) from the customer card through the card reader unit 610 for the virtual CD / ATM based non-face-to-face financial transactions via the VoIP The card information reading interface information for reading the card information reading interface for reading in conjunction with the screen output unit 615, the financial transaction item selection interface for selecting a financial transaction item through the key input unit 620 It is preferable to store the interface information including one or more financial transaction item selection interface information for output in association with the screen output unit 615, authentication for processing the VoIP terminal 600 to be authenticated as a virtual financial terminal Virtual financial terminal authentication for outputting the virtual financial terminal authentication interface for inputting information in conjunction with the screen output unit 615 Preferably further stores interface information.

In particular, the card information reading interface is when the customer card is an IC card having a PIN (Personal Identification Number) authentication function or the card password authentication function provided in the customer card is provided in the VoIP terminal 600. In addition, it is preferable to further comprise a PIN input interface for inputting the PIN information (or card password) for the customer card.

According to the method of the present invention, the memory unit 630 is transaction information for outputting the transaction information input interface for the virtual CD / ATM based non-face-to-face financial transaction via the VoIP in conjunction with the screen output unit 615 It is desirable to store the input interface information.

According to the method of the present invention, the memory unit 630 stores the communication fee payment information (billing fee payment information, or unpaid bill payment information) transmitted from the billing management server 100 shown in FIG. It is preferable that a billing box corresponding to the storage area is provided.

Here, the communication fee payment information stored in the billing box includes the communication fee information (billing fee information, or unpaid fee information), and the payment expiration date information for processing the communication fee and the communication fee. Payment means setting information for setting up one or more payment methods (e.g., financial account, credit card, check card, debit card, cash card) that can be processed, and the virtual CD / ATM based non-face-to-face financial transaction function Charge payment control information for controlling the payment of the communication fee through any one of the payment means corresponding to the payment means setting information in the VoIP terminal 600, information on the communication charge collecting means to be paid for the communication fee (Eg, collection account information, collection store merchant information) is preferably included. That is, the communication fee payment information is the payment of the communication fee through the virtual CD / ATM based non-face-to-face financial transaction function without additional user procedure in the VoIP terminal 600 having the virtual CD / ATM based non-face-to-face financial transaction function It is preferable to include all the information to do.

According to another embodiment of the present invention, the communication fee payment information, in addition to the communication fee information (billing fee information, or arrears fee information) according to the use of the VoIP, various giro payment information, or other carrier bill payment information, or affiliate fee It is possible to further include payment information, whereby the present invention is not limited.

Customers using the VoIP terminal 600, MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard, or contact IC card (or wireless IC chip) based on the ISO / IEC 7816 standard, 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 610 includes 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 610 is an MS reader unit that provides an interface between the MS card and the VoIP terminal 600, or between the contact IC card and the VoIP terminal 600. It includes a contact IC reader unit for providing an interface, or a contactless IC reader unit for providing an interface between the contactless IC card and the VoIP terminal 600.

The MS reader unit is a card reader unit 610 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 600 from at least one or more tracks provided in the MS of the MS card using the loaded.

The contact IC reader unit is a card reader unit 610 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface to the VoIP terminal 600.

The contactless IC reader unit is a card reader unit 610 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) 600).

According to an embodiment of the present invention, the card reader unit 610 is a card information (for example, customer account) from the customer card through the card reader unit 610 for the virtual CD / ATM based non-face-to-face financial transactions via the VoIP It is preferable to read the cash card information, debit card information, check card information associated with, or to read the account information (eg, real account number, virtual account number, online account number) to electronic bank account information.

The key input unit 620 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Information (or a 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 600 controlled by the controller 605. 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 605. The controller 605 Acquiring predetermined key data corresponding to the key event in the current input mode or operation mode of the VoIP terminal 600, or executing a predetermined function matched with the key event. It is characterized by obtaining a command. The key input unit 620 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the VoIP terminal 600.

The key input device interoperating with the key input unit 620 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a letter key (for example, an English letter key or a Korean letter key) and a function. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to an embodiment of the present invention, the key input unit 620 is a virtual CD / ATM based non-face-to-face financial transaction via the VoIP from at least one key input device for the virtual CD / ATM-based non-face-to-face financial transaction via VoIP It is preferable to perform the function of the key input means for receiving at least one or more key data required in the process.

According to the exemplary embodiment of the present invention, the key input device corresponding to the key input unit 620 may set the operation mode of the VoIP terminal 600 through the virtual CD / ATM through the VoIP in the initial mode, the voice call mode, or the data communication mode. It is desirable to have a hot key for non-face-to-face financial transactions.

The screen output unit 615 is a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 605 while the VoIP terminal 600 performs a predetermined function (for example, an electronic payment processing function). Outputting at least one or more information or data which are predefined or defined in real time to be output to a predetermined screen output device including a) through a predefined interface screen, and the screen output unit 615 and the screen output. Devices interoperate with each other to perform the function of screen output means provided in the VoIP terminal 600.

The predefined information or data to be output from the VoIP terminal 600 to the screen output device may be provided by key data input through the key input unit 620 or a component included in the VoIP terminal 600. Information (or data) stored or generated, information (or data) transmitted and received through at least one communication processor 635, or information (or data) corresponding to a predetermined operation result performed by the VoIP terminal 600. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 615 is a virtual CD / ATM based non-face-to-face financial transaction via the VoIP to the screen output device for the virtual CD / ATM based non-face-to-face financial transaction via VoIP It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the step.

The sound processor 625 is a function component that processes input and output of sound in the voice call mode of the VoIP terminal 600. The sound processor 625 decodes at least one or more encoded sound data (or voice data). Or a vocoder and a codec for encoding and encoding a sound signal outputted to a speaker provided at 600 or through a microphone provided at the VoIP terminal 600. It features.

The communication processing unit 635 connects a VoIP communication channel (eg, a VoIP based voice channel or a VoIP based data channel) between the VoIP terminal 600 and the gateway (or gatekeeper), or the virtual CD through the VoIP. It is characterized by connecting a communication channel to the financial company server 690 (or communication relay server 695) on the communication network for / ATM-based non-face-to-face financial transactions.

The security module 640 is the confidentiality (Authentication) or authentication (Integrity) or denial required in the process of the VoIP terminal 600 performs the virtual CD / ATM-based non-face-to-face financial transactions over the VoIP As a safety device for performing security requirements including nonrepudiation and the like in a secure and reliable structure within the VoIP terminal 600 without using an authentication server (not shown) on a communication network, the VoIP terminal 600 Authentication to encrypt or decrypt a message (information or data) that is processed in the course of performing a predetermined security request function (e.g., electronic payment or electronic payment function), and to prevent forgery (or tampering) of the message. Or adding a ruler or storing important key information in the process of performing the security request function.

In general, the security module 640 is preferably composed of a predetermined security module 640 inserter and a security module 640 chip, the security module 640 chip is a chip containing at least 8 bits or more CPU and memory as 2MIPS (Application Specific Integrated Circuit (ASIC) chip (e.g., PLCC 44-pin chip) or IC chip (e.g., IC card in the form of subscriber identity module (SIM)) having a performance of (Million Instructions Per Second) or more It is preferable.

In addition, the security module 640 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 600 to perform a predetermined security request function Or a key (eg, one master key and at least one application key) or protocol (eg, a transaction protocol, a retransaction protocol, a previous transaction cancellation protocol, a collection protocol, a security module 640 issuance protocol, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, security module 640 revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / collection / delete / discard / Initialization / reprocessing / cancellation command).

According to an exemplary embodiment of the present invention, the security module 640 processes the financial company server 690 (or the communication relay server 695) to recognize the VoIP terminal 600 as a virtual CD / ATM. Preferably, the terminal information includes the terminal information, and the financial institution server 690 (or the communication relay server 695) that has received the virtual financial terminal information is configured until the non-face-to-face financial transaction through the VoIP terminal 600 ends. It is preferable to process the financial transaction by recognizing the VoIP terminal 600 as a virtual CD / ATM.

According to an embodiment of the present invention, the security module 640 recognizes the VoIP terminal 600 as a virtual CD / ATM by the financial institution server 690 (or the communication relay server 695). The VoIP terminal 600 according to the non-face-to-face financial transaction control information for controlling a non-face-to-face financial transaction procedure (for example, a virtual CD / ATM-based financial transaction procedure) through the terminal 600 and the non-face-to-face financial transaction control information. It is desirable to have a non-face-to-face financial transaction authentication function that authenticates each non-face-to-face financial transaction step through.

Here, the non-face-to-face financial transaction control information outputs the non-face-to-face financial transaction interface including at least one of the card information reading interface, financial transaction item selection interface, transaction information input interface from the VoIP terminal 600 to the screen output means. It is preferable to include the interface control information for controlling and authenticating, wherein the non-face-to-face financial transaction authentication function is outputting the interface according to the non-face-to-face financial transaction procedure to the screen output means through the interface control information It is desirable to authenticate.

In addition, the non-face-to-face financial transaction control information, the card information authentication information for authenticating the validity of the card information (or account information) read from the card reader unit 610 through the card information reading interface, the key input unit ( Password authentication information for authenticating the validity of the PIN information (or card password) input from 620, financing for validating the validity of the financial transaction item selection information input from the key input unit 620 through a financial transaction item selection interface. Preferably, at least one transaction item authentication information is included. The non-face-to-face financial transaction authentication function may include at least one of card information (or account information) read through the card reader unit 610 through the card information authentication information. Validate the PIN information (or card password), or enter through the key input unit 620 That it is desirable to authenticate the validity of financial transactions item selection information.

In particular, the non-face-to-face financial transaction control information is for the transaction information input (or selected) from the key input unit 620 through the transaction information input interface for virtual CD / ATM-based non-face-to-face financial transactions via the VoIP. Preferably, the transaction information authentication information for authenticating the validity is included. In this case, the transaction information authentication information is preferably for validating the validity of the input (or selected) transaction information.

For example, validity authentication of the card information (or account information) through the card information authentication information, the card information (or account information) that can be non-face-to-face financial transactions through the VoIP terminal 600 ( Or account information) (eg, card information (or account information) associated with a customer account opened at a particular bank).

Alternatively, the validity authentication of the password through the password authentication information may include authenticating whether the PIN information or the card password includes a preset PIN information (or card password) system.

Alternatively, the validity authentication of the financial transaction item selection information through the financial transaction item authentication information may include non-face-to-face corresponding to the financial transaction item selection information through a customer account corresponding to the read card information (or account information). It is desirable to include verifying that financial transactions are possible.

Alternatively, the validity authentication of the virtual CD / ATM based non-face-to-face financial transaction through the VoIP through the transaction information authentication information may include verifying whether the transaction information input (or selected) through the transaction information input interface is valid. It is preferable to make it.

Referring to FIG. 6, the VoIP terminal 600 starts a virtual financial terminal program (eg, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 600). When performing the virtual CD / ATM based non-face-to-face financial transaction function, the VoIP terminal 600 confirms that the VoIP based communication channel is connected, and when checking the VoIP based communication channel, the VoIP based communication channel is connected to the VoIP terminal ( 600 and a communication channel switching unit 650 for switching to a communication channel between the financial institution server 690 (or the communication relay server 695).

When the customer using the VoIP terminal 600 requests a virtual CD / ATM based non-face-to-face financial transaction through VoIP through the key input unit 620, the communication channel switching unit 650 is the VoIP terminal 600 It is characterized by checking whether the VoIP based communication channel is connected.

Upon checking the VoIP based communication channel, the communication channel switching unit 650 converts the VoIP based communication channel into a communication channel between the VoIP terminal 600 and the financial institution server 690 (or the communication relay server 695). It is characterized in that for connecting the communication channel between the VoIP terminal 600 and the financial institution server 690 (or communication relay server 695) through the communication network.

According to the exemplary embodiment of the present invention, when the VoIP terminal 600 supports a plurality of communication channels, the communication channel switching unit 650 maintains the VoIP-based communication channel and the financial terminal 600 and the financial company. It is preferable to connect a communication channel between the server 690 (or communication relay server 695).

Referring to FIG. 6, when the virtual financial terminal program is started, the VoIP terminal 600 is switched (or switched) by the communication channel switching unit 650 for virtual CD / ATM based non-face-to-face financial transactions through the VoIP. A security module corresponding to the VoIP terminal 600 information and the security module 640 provided in the VoIP terminal 600 to the financial institution server 690 (or the communication relay server 695) through the connected communication channel ( 640) an information transmitter 653 for transmitting information, and the security module 640 information and the VoIP terminal 600 information from the financial institution server 690 (or the communication relay server 695) through the communication channel. And an information receiver 655 for receiving corresponding virtual financial terminal activation information.

When the communication channel is switched (or connected) to the financial institution server 690 (or communication relay server 695) by the communication channel switching unit 650 for virtual CD / ATM-based non-face-to-face financial transactions through the VoIP, The information transmission unit 653 is connected to the memory unit 630, the security information corresponding to the VoIP terminal 600 information (not shown) and the security module 640 provided in the VoIP terminal 600 ( 640 and confirms the information, and transmits the confirmed VoIP terminal 600 information and the security module 640 information to the financial institution server 690 (or communication relay server 695).

According to an embodiment of the present invention, when the financial institution server 690 (or the communication relay server 695) can check the VoIP terminal 600 information through the communication channel, the information transmission unit 653 is configured to perform the above-described information. Check the security module 640 information corresponding to the security module 640 provided in the VoIP terminal 600 in association with the memory unit 630, and the information of the confirmed security module 640 to the financial company server 690 (Or communication relay server 695).

Thereafter, the financial institution server 690 (or the communication relay server 695) transmits the card reader and the effective security module 640 to the VoIP terminal 600 through the VoIP terminal 600 information and the security module 640 information. (E.g., the security module 640 having the virtual financial terminal information, the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function) is provided, and when the authentication is confirmed, the Characterized in that the virtual financial terminal activation information is transmitted to the VoIP terminal 600 through a communication channel, the information receiving unit 655 is the financial company server 690 (or communication relay server 695) through the communication channel. ) Receiving the virtual financial terminal activation information.

Here, the virtual financial terminal activation information is activated by the security module 640 provided in the VoIP terminal 600 so that the VoIP terminal 600 operates as a virtual financial terminal (= virtual CD / ATM). As the information to be activated, the security module 640 activated by the virtual financial terminal activation information is the financial terminal server 690 via the VoIP terminal 600 and the financial company server 690 (or the communication relay server 695). And an encryption / decryption based secure communication channel, and transmits the virtual financial terminal information provided in the security module 640 from the VoIP terminal 600 to the financial institution server 690 through the secure communication channel. Preferably, the VoIP terminal 600 processes the non-face-to-face financial transaction through the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function provided in the security module 640.

Referring to FIG. 6, when the virtual financial terminal activation information is received, the VoIP terminal 600 may include a security module processor configured to activate a virtual financial terminal function of the security module 640 through the virtual financial terminal activation information. 663) and a communication channel connection unit 665 for connecting the financial institution server 690 with an end-to-end secure communication channel based on encryption / decryption under the non-face-to-face financial transaction control of the security module 640, and the screen output means. An interface output unit 670 for outputting a virtual financial terminal authentication interface and the virtual financial terminal information from the security module 640 based on authentication information input through the virtual financial terminal authentication interface, and the secure communication channel The terminal authentication processing unit 667 is transmitted to the financial institution server 690 to process the VoIP terminal 600 to be recognized as a virtual financial terminal (for example, a virtual CD / ATM). The comparison made is characterized.

When the virtual financial terminal activation information is received from the financial institution server 690 (or the communication relay server 695) by the information receiving unit 655, the security module processing unit 663 receives the received virtual financial terminal activation information. By providing to the security module 640, the security module 640 reads the virtual financial terminal activation information, characterized in that the processing to activate the virtual financial terminal function of the security module 640.

According to the exemplary embodiment of the present invention, when the virtual financial terminal function of the security module 640 is activated by the security module processing unit 663, the operation of the VoIP terminal 600 thereafter is performed by the security module 640. It is preferable that each non-face-to-face financial transaction step is controlled and authenticated through non-face-to-face financial transaction control information and non-face-to-face financial transaction authentication function.

When the virtual financial terminal function of the security module 640 is activated by the security module processor 663, the communication channel connection unit 665 may control the financial company server 690 according to the non-face-to-face financial transaction control of the security module 640. ) And end-to-end secure communication channel based on encryption / decryption.

According to the exemplary embodiment of the present invention, the communication channel connection unit 665 bypasses one or more communication relay servers 695 according to the non-face-to-face financial transaction control of the security module 640 to allow the VoIP terminal (Bypass). It is desirable to connect an end-to-end secure communication channel based on encryption / decryption between 600 and the financial institution server 690.

According to another exemplary embodiment of the present invention, the communication channel connection unit 665 is connected between the VoIP terminal 600 and the financial company server 690 according to the virtual private network protocol according to the non-face-to-face financial transaction control of the security module 640. It is desirable to connect an end-to-end secure communication channel based on encryption / decryption.

Those skilled in the art will be familiar with the technical features of the end-to-end secure communication channel based on encryption / decryption between the VoIP terminal 600 and the financial institution server 690 described above. The detailed description thereof will be omitted for convenience.

When the virtual financial terminal function of the security module 640 is activated by the security module processor 663, and the end-to-end secure communication channel between the VoIP terminal 600 and the financial institution server 690 is connected, the interface output is output. The unit 670 may output a virtual financial terminal authentication interface to the screen output means according to the non-face-to-face financial transaction control of the security module 640, and may include authentication information (eg, through the virtual financial terminal authentication interface). PIN information about the security module 640) is input, the terminal authentication processing unit 667 sends the input authentication information to the security module 640 according to the non-face-to-face financial transaction control of the security module 640. Providing and reading the virtual financial terminal information from the security module 640 as an authentication result of the authentication information, and then processing the virtual financial terminal information. And to the financial institution server 690 through the secure communication channel, whereby the VoIP terminal 600 is recognized as a virtual financial terminal (eg, a virtual CD / ATM) by the financial institution server 690. do.

According to another exemplary embodiment of the present invention, the interface output unit 670 outputs the virtual financial terminal authentication interface, and the terminal authentication processing unit 667 secures the authentication information input through the virtual financial terminal authentication interface. The processing provided to the module 640 to be authenticated may be omitted, and the present invention is not limited thereto.

When the VoIP terminal 600 is recognized as the virtual financial terminal (eg, virtual CD / ATM), the terminal authentication processor 667 receives virtual financial terminal authentication information from the financial institution server 690. In this way, the VoIP terminal 600 corresponds to the virtual financial terminal (eg, virtual CD / ATM) according to the non-faced financial transaction control procedure according to the financial transaction control of the security module 640. It is characterized by performing a transaction procedure.

Referring to FIG. 6, when the VoIP terminal 600 is processed as a virtual financial terminal (for example, a virtual CD / ATM) through the security module 640, the VoIP module 600 may be connected to the security module 640. Interface output unit 670 for outputting a card information reading interface, a financial transaction item selection interface, and a transaction information input interface according to a non-face-to-face financial transaction procedure according to a non-face-to-face financial transaction control, and to the interface output unit 670. When the card information reading interface is outputted, an information reading unit 675 for reading card information (or account information) from the customer card through the card reader unit 610, and a password through the key input unit 620. Input processing, and when the financial transaction item selection interface is output by the interface output unit 670, the financial transaction item selection information is input through the key input unit 620, and the transaction is performed. When the information input interface is outputted, an information input unit 673 for inputting and processing transaction information through the key input unit 620, the read card information (or account information) and financial transaction item selection information, and the selected financial transaction item. A professional generation unit for generating a transaction request message including at least one transaction information (eg, a communication fee payment transaction, an account inquiry transaction, an account transfer transaction, etc.), and the end-to-end secure communication channel; And a professional processor 680 for transmitting the generated transaction request message to the processor 680 to process the non-face-to-face financial transaction, and according to the non-face-to-face financial transaction control of the security module 640. In connection with the interface output unit 670, the screen output unit 615 controls to output at least one non-face-to-face financial transaction interface, The card information (or account information) is controlled to be read through the card reader unit 610 based on a non-face-to-face financial transaction interface in association with the unit 675, and the key input unit (in association with the information input unit 673). 620 controls to input financial transaction item selection information and one or more transaction information corresponding to the selected financial transaction item, and selects the read card information (or account information) and financial transaction item in association with the full text generation unit. Control to generate a transaction request message including at least one transaction information corresponding to the information and the financial transaction item, and connect the generated transaction request message with the expert processing unit 680 through the end-to-end secure communication channel. And a virtual financial terminal controller 660 which transmits to the server 690 to control non-face-to-face financial transactions. The.

When the VoIP terminal 600 is processed as a virtual financial terminal (eg, a virtual CD / ATM) through the security module 640, the interface output unit 670 may be configured to execute the virtual financial terminal control unit 660. Card information reading interface and financial transaction item in connection with the memory unit 630 according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 640. And outputting a selection interface and a transaction information input interface, wherein each interface outputting step includes non-face-to-face financial transaction control information and non-face-to-face financial transaction authentication of the security module 640 through the virtual financial terminal control unit 660. It is desirable to authenticate based on functionality.

According to the first embodiment of the present invention, the interface output unit 670 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal control unit 660 ( For example, after outputting the card information reading interface according to a CD / ATM-based financial transaction procedure, it is preferable to output the financial transaction item selection interface and sequentially output the transaction information input interface according to the financial transaction item.

According to the second embodiment of the present invention, the interface output unit 670 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal control unit 660 ( For example, after outputting the financial transaction item selection interface according to the CD / ATM-based financial transaction procedure, it is preferable to sequentially output the transaction information input interface and the card information reading interface according to the financial transaction item.

According to the third embodiment of the present invention, the interface output unit 670 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal control unit 660 ( For example, after outputting the card information reading interface and the financial transaction item selection interface according to a CD / ATM based financial transaction procedure, it is preferable to sequentially output the transaction information input interface according to the financial transaction item.

According to the fourth embodiment of the present invention, the interface output unit 670 is a non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal control unit 660 ( For example, after outputting the card information reading interface and the financial transaction item selection interface according to the CD / ATM-based financial transaction procedure, it is preferable to sequentially output the transaction information input interface according to the financial transaction item.

Those skilled in the art to which the present invention pertains, non-face-to-face finance based on the non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal control unit 660 in addition to the interface output method described above. According to a transaction procedure (e.g., CD / ATM-based financial transaction procedure), the card information reading interface, the financial transaction item selection interface, and the transaction information input interface are sequentially (or by combining two or more interfaces in one screen output means). Various output methods may be inferred, and the present invention is characterized by including all the inferred implementation methods.

The interface output unit 670 according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal controller 660. When the card information reading interface is outputted, the information reading unit 675 is a non-face-to-face financial transaction based on the non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal control unit 660. The card information (or account information) is read from the customer card through the card reader unit 610 according to a procedure (for example, CD / ATM-based financial transaction procedure).

When the card information (or account information) is read from the customer card through the information reading unit 675, the virtual financial terminal control unit 660 controls the non-face-to-face financial transaction control information and the non-face-to-face finance of the security module 640. It is preferable to authenticate the validity of the read card information (or account information) on the basis of a transaction authentication function, wherein the validity authentication of the card information (or account information), the read card information (or account information) ) Includes authenticating card information (or account information) capable of non-face-to-face financial transactions (eg, card information (or account information) associated with a customer account opened at a particular bank) through the VoIP terminal 600. It is preferable to make it.

Alternatively, the interface output unit according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal controller 660. When the password input interface is output through 670, the information input unit 673 is a non-face-to-face finance based on the non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal controller 660. The PIN information (or card password) is input through the key input unit 620 according to a transaction procedure (eg, CD / ATM-based financial transaction procedure).

When the password is input through the information input unit 673, the virtual financial terminal control unit 660 may enter the PIN based on the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module 640. It is preferable to authenticate the validity of the information (or card password), wherein the validity authentication of the PIN information (or card password) is a PIN information (or card password) scheme in which the PIN information (or card password) is preset. It is preferable that the authentication comprises a.

Alternatively, the interface output unit according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal controller 660. When the financial transaction item selection interface is output through 670, the information input unit 673 is based on the non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal control unit 660. The financial transaction item selection information is input through the key input unit 620 according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure).

When the financial transaction item selection information is input through the information input unit 673, the virtual financial terminal control unit 660 is based on the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module 640. Preferably, the validity of the input financial transaction item selection information is verified, wherein the validity authentication of the financial transaction item selection information is performed through a customer account corresponding to the read card information (or account information). Preferably, the method includes authenticating whether a non-face-to-face financial transaction corresponding to the transaction item selection information is possible.

If the input financial transaction item selection information includes a financial transaction item corresponding to any one of the virtual CD / ATM based non-face-to-face financial transaction through the VoIP, the interface output unit 670 may be configured to execute the virtual financial terminal. Transaction information corresponding to the selected financial transaction item according to the non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 640 through the control unit 660. And outputting an input interface.

Alternatively, the interface output unit according to a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal controller 660. When the transaction information input interface is output through 670, the information input unit 673 may input and process transaction information corresponding to the financial transaction item through the key input unit 620.

When the transaction information is input through the information input unit 673, the virtual financial terminal controller 660 is input based on the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module 640. Preferably, the validity of the transaction information is authenticated, wherein the validity authentication of the transaction information includes verifying whether the input (or selected) transaction information includes valid information.

Card information (or account information) is read from the customer card through the information reading unit 675, and the financial transaction item selection information and transaction information corresponding to the financial transaction item are read through the information input unit 673. When input, the full text generation unit may enter into a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal control unit 660. Accordingly, it is characterized in that for generating a full transaction request message including at least one of the card information (or account information), the financial transaction item selection information and the transaction information corresponding to the selected financial transaction item.

Here, the transaction request telegram may include a CD / ATM based transaction request telegram structure recognized by the financial institution server 690 as a transaction request telegram transmitted from the CD / ATM terminal.

The transaction request telegraph is generated by a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal controller 660. The professional processing unit 680 performs a non-face-to-face financial transaction procedure based on non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal control unit 660 (eg, CD / ATM-based financial transaction procedure). The non-face-to-face financial transaction is transmitted by transmitting the generated transaction request message to the financial institution server 690 through an end-to-end secure communication channel connected by the communication channel connection unit 665.

In addition, the specialized processing unit 680 is a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure based on the non-face-to-face financial transaction control of the security module 640 through the virtual financial terminal control unit 660) Ledger response message including a ledger processing result corresponding to the transaction request message (for example, the transaction request message) from the financial institution server 690 through the end-to-end secure communication channel. Receiving a transaction result text including financial transaction processing results according to the ledger processing result corresponding to the transaction request text), and in accordance with the non-face-to-face financial transaction procedure (for example, CD / ATM-based financial transaction procedure). Characterized in that the screen output the received transaction response message.

The transaction processing unit 680 includes a transaction response message (eg, a ledger response message including a ledger processing result corresponding to the transaction request message) or a financial transaction processing result according to a ledger processing result corresponding to the transaction request message. Full transaction result), the virtual financial terminal control unit 660 is characterized in that to release the end-to-end secure communication channel between the VoIP terminal 600 and the financial institution server 690.

Referring to FIG. 6, when the VoIP terminal 600 is processed as a virtual financial terminal (eg, a virtual CD / ATM) through the security module 640, the VoIP terminal 600 may be used. Deactivates the VoIP call function, controls the VoIP terminal 600 to be recognized as being in communication with the VoIP server 697 on the communication network, and when the non-face-to-face financial transaction ends, restores the VoIP call function. And a VoIP communication control unit 605 which controls the voice call to the VoIP terminal 600 to be recognized in association with the VoIP server 697 on the communication network.

When the VoIP terminal 600 is processed as a virtual financial terminal (eg, a virtual CD / ATM) through the security module 640, the VoIP communication controller 605 performs the VoIP call function of the VoIP terminal 600. By deactivating, the VoIP-based voice call through the VoIP terminal 600 is deactivated, and the data communication function through the VoIP terminal 600 except the secure communication channel is deactivated.

In addition, the VoIP communication control unit 605 transmits the VoIP communication deactivation information to the VoIP server 697 (eg, a gateway or a gatekeeper) on the communication network, whereby the VoIP terminal 600 calls the VoIP server 697. Characterized in that the processing to be recognized as being.

The transaction processor 680 receives a transaction result text including a financial transaction processing result according to a ledger processing result corresponding to the transaction request text from among the transaction response messages, or the VoIP terminal 600 and the financial company server ( When the end-to-end secure communication channel between the 690 is released, the VoIP controller 657 activates the VoIP call function of the VoIP terminal 600, thereby activating the VoIP-based voice call through the VoIP terminal 600, It is characterized in that to activate the data communication function through the VoIP terminal 600.

In addition, the VoIP communication control unit 605 transmits the VoIP communication activation information to the VoIP server 697 (eg, a gateway or a gatekeeper) on the communication network, thereby transmitting the VoIP server 697 to the VoIP terminal 600. Characterized in that the voice call is processed as possible.

Referring to FIG. 6, the VoIP terminal 600 stores communication fee payment information (bill fee payment information or nonpayment fee payment information) stored in the payment invoice based on the virtual CD / ATM based non-face-to-face financial transaction function. In order to pay a communication fee (bill or unpaid fee) for the VoIP terminal 600 through the payment, confirming one or more payment target communication fee payment information stored in the billing box in connection with the memory unit 630 When the information confirming unit 683 and one or more payment target communication fee payment information are checked, the communication target payment information is output in association with the screen output unit 615, and corresponding to the payment target communication charge payment information. An interface output unit 670 for outputting a communication fee payment interface for requesting payment approval for a communication fee, and the communication fee payment interface through the interface output unit 670. Payment approval confirmation unit 685 for confirming the payment approval for the communication fee corresponding to the communication target payment information to pay, and when the payment approval is confirmed, the payment processing for the communication fee based on the payment target communication fee payment information An information generation unit 687 for generating payment information, the payment information including the generated payment information, and the payment card information (or account information) read through the card reader unit 610 and the key input unit 620. Characterized in that it comprises a full-text generation unit for generating a transaction request full text including the transaction information further including the password entered, wherein the payment information confirmation unit 683, interface output unit 670, payment The approval confirmation unit 685 and the information generating unit 687 may be provided in the form of a separate communication fee payment program for the communication fee payment processing, in this case The communication fee payment program is preferably processed to pay the communication fee in connection with the virtual CD / ATM-based non-face-to-face financial transaction function provided in the VoIP terminal 600, the specialized generation unit is provided in the communication fee payment program It may be included in the virtual financial terminal program function.

After the communication fee payment information (billing fee payment information, or nonpayment fee payment information) transmitted from the billing management server 100 shown in FIG. 1 is stored in the billing invoice, the payment information verification unit 683 is Check the one or more payment target communication fee payment information of the one or more communication fee payment information stored in the payment invoice in association with the memory unit 630 and the payment means available in the VoIP terminal 600 is set. Characterized in that.

According to the exemplary embodiment of the present invention, the payment information confirmation unit 683 may be a point in time when the user of the VoIP terminal 600 starts using the VoIP terminal 600 (for example, pick up a handset, request a call connection, Check the payment target communication fee payment information at the time of selecting a specific menu, or when the user of the VoIP terminal 600 stops using the VoIP terminal 600 (for example, a call channel (or call connection)). Or when the communication channel is disconnected, the call is not confirmed after the call connection request, or the function corresponding to the specific menu is terminated). It is preferable to check the payment target communication fee payment information, and the VoIP terminal 600 If the communication fee payment menu is provided, it is preferable to check the payment target communication fee payment information at the time of selecting the communication fee payment menu.

When one or more payment target communication fee payment information is confirmed through the payment information checking unit 683, the interface output unit 670 outputs the payment target communication fee payment information in association with the screen output unit 615. And outputting a communication fee payment interface for requesting payment approval for a communication fee corresponding to the payment target communication fee payment information, wherein the payment approval confirming unit 685 receives the payment through the communication fee payment interface. Characterized in that the payment approval for the communication fee (billing fee, or arrears fee) included in the target communication fee payment information.

When the payment approval confirmation unit 685 confirms the payment approval for the communication fee (billing fee or late payment fee) included in the payment target communication fee payment information, the interface output unit 670 (or the virtual finance) The interface output unit 670 controlled by the terminal controller 660 outputs a card information reading interface for reading card information (or account information) to be used as a payment means for a communication fee (billing or late payment fee). The card information (or account information) corresponding to the payment means of the communication fee (billing fee or nonpayment fee) is read from the card reader 610.

If a plurality of card information (or account information) is read through the card reader 610, the interface output unit 670 (or the interface output unit 670 controlled by the virtual financial terminal control unit 660). )) May further output an account selection interface for selecting one payment card information (or account information) to be used as a means of payment of the communication fee (billing fee or nonpayment fee), thereby limiting the present invention. Not.

In addition, the interface output unit 670 (or the interface output unit 670 controlled by the virtual financial terminal control unit 660) is a password corresponding to the payment card information (or account information) corresponding to the payment means. It is preferable to further output a password input interface to be input, whereby a password corresponding to the payment card information (or account information) is input from the key input unit 620.

When the payment approval confirmation unit 685 confirms that payment approval for the communication fee (billing fee or late payment fee) included in the payment target communication fee payment information is confirmed, the information generation unit 687 receives the confirmed payment. And generating payment information for processing the payment based on the target communication fee payment information.

According to the embodiment of the present invention, the payment information for processing the communication fee is selectively generated according to the payment means corresponding to the card information read through the card reader unit 610 based on the communication fee payment information. It is desirable to be.

For example, when the payment means corresponding to the card information read through the card reader unit 610 includes any one of account information, debit card information, cash card information, the information generating unit 687 is the virtual It is preferable to generate payment information (eg, payment information for bank transfer / bankbook transaction) using the CD / ATM based non-face-to-face financial transaction function.

Alternatively, when the payment means corresponding to the card information read through the card reader unit 610 includes any one of credit card information and check card information, the information generating unit 687 is the virtual CD / ATM. Payment information (for example, credit) for processing the payment of the communication fee using a card payment function (not shown) of the non-face-to-face financial transaction function or a separate card payment function (not shown) provided in the VoIP terminal 600. Payment information for payment / check payment).

When the payment information is generated by the information generation unit 687, the full text generation unit generates the communication fee among the generated payment information and one or more card information (or account information) reading the card reader 610. Generating a full transaction request message including payment card information (or account information) that is selected (or automatically selected) as payment means for the transaction and transaction information including one or more passwords entered through the key input unit 620. It is characterized by.

Referring to FIG. 6, the VoIP terminal 600 encrypts / decrypts end-to-end security between the VoIP terminal 600 and the financial institution server 690 according to the non-face-to-face financial transaction control of the security module 640. When the communication channel is connected and the VoIP terminal 600 is recognized as a virtual financial terminal (for example, a virtual CD / ATM) by the financial institution server 690, the financial institution server 690 through the end-to-end secure communication channel. It is characterized in that it comprises a specialized processing unit 680 for transmitting the generated transaction request message to the processing to pay the communication fee.

An end-to-end secure communication channel based on encryption / decryption between the VoIP terminal 600 and the financial institution server 690 according to the non-face-to-face financial transaction control of the security module 640 under the control of the virtual financial terminal controller 660. When the VoIP terminal 600 is recognized as a virtual financial terminal (for example, a virtual CD / ATM) by the financial institution server 690, the specialized processing unit 680 uses the end-to-end secure communication channel. The financial company server 690 transmits the generated transaction request message to the communication service.

If the card information of any one of the credit card information or the check card information is generated through the card reader unit 610, the transaction request text generated by the professional generator generates a payment approval corresponding to the credit card / check card. In response to the request text, the specialized processing unit 680 may transmit the transaction request text (= payment approval request text) to the bansa server so that the card payment may be approved, and the present invention is not limited thereto. .

According to the exemplary embodiment of the present invention, when the communication fee corresponding to the communication fee payment information is paid, the specialized processor 680 preferably deletes (or deactivates) the communication fee payment information stored in the payment bill. Do.

7 is a diagram illustrating an operation process of the VoIP terminal 600 for processing a payment of a communication fee corresponding to the communication fee payment information stored in a billing claim according to an embodiment of the present invention.

In more detail, Figure 7 is transmitted from the billing management server 100 shown in Figure 1 to the VoIP terminal 600 shown in Figure 6 through the process shown in Figure 2 or 3 or 4 The present invention relates to an operation process of a VoIP terminal 600 for processing payment of communication fee payment information stored in a payment invoice through a virtual CD / ATM based non-face-to-face financial transaction function (or card payment function) through VoIP. Those skilled in the art may refer to and / or modify the drawing 7 to perform the operation of the VoIP terminal 600 for paying the communication charge corresponding to the communication charge payment information stored in the billing claim. Various implementations may be inferred (e.g., implementation steps in which some steps are omitted or reordered), but the present invention includes all implementations inferred from the foregoing. Becomes fish, it shall not be limited to the technical features that only the exemplary method shown in the figure 7.

Referring to FIG. 7, a communication fee is paid from the billing management server 100 shown in FIG. 1 to the VoIP terminal 600 shown in FIG. 6 through the process shown in FIG. 2 or FIG. 3 or FIG. When the information is transmitted and stored in the payment invoice, the VoIP terminal 600 checks whether any one of the communication fee payment conditions for the communication charge payment information stored in the payment invoice is satisfied (700).

According to an exemplary embodiment of the present invention, the VoIP terminal 600 may include a time when the user of the VoIP terminal 600 starts using the VoIP terminal 600 (eg, pick up a handset, request a call connection, or specify a specific menu). Confirm the payment target communication fee payment information at the time of selecting the terminal or terminate the time when the user of the VoIP terminal 600 uses the VoIP terminal 600 (for example, terminates a call channel (or call connection)). Or when the communication channel is disconnected, the incoming call is not confirmed after the call connection request, or the function corresponding to the specific menu is terminated). It is preferable to check the payment target communication fee payment information, and the VoIP terminal 600 When the communication fee payment menu is provided, it is preferable to check the payment target communication fee payment information at the time of selecting the communication fee payment menu.

If it is confirmed that the communication charge payment condition for the communication charge payment information stored in the payment invoice is satisfied (eg, the user uses the VoIP terminal 600) (750), the VoIP terminal 600 is stored in the payment invoice. The payment validity period of the one or more communication fee payment information is not elapsed, and the one or more payment target communication fee payment information set in the payment means available in the VoIP terminal 600 is checked (710).

If one or more payment target communication fee payment information is confirmed from the payment invoice (715), the VoIP terminal 600 outputs the payment target communication fee payment information, and communication corresponding to the payment target communication fee payment information. After outputting the communication fee payment interface requesting the payment approval for the fee, the user confirms the payment for the communication fee (720).

If the payment approval for the communication fee is confirmed (725), the VoIP terminal 600 is a card to read the card information (or account information) to be used as a payment means for the communication fee (billing fee, or arrears fee) An information reading interface is output, and payment card information (or account information) corresponding to the payment means of the communication fee (billing or late payment fee) is read (730).

If a plurality of card information (or account information) is read, the VoIP terminal 600 uses a single payment card information (or account information) to be used as a payment means of the communication fee (billing fee or late payment fee). It is possible to further output the account selection interface to select, whereby the present invention is not limited.

If the payment card information (or account information) is read 735, the VoIP terminal 600 inputs a password corresponding to the payment card information (or account information) corresponding to the payment means. Outputs and processes the input password for the payment card information (or account information) (740).

If a password for the payment card information (or account information) is input (745), the VoIP terminal 600 generates payment information corresponding to the payment means based on the payment target communication fee payment information (750). ).

According to the embodiment of the present invention, the payment information for processing the communication fee is selectively generated according to the payment means corresponding to the card information read through the card reader unit 610 based on the communication fee payment information. It is desirable to be.

For example, when the payment means corresponding to the card information read through the card reader unit 610 includes any one of account information, debit card information, cash card information, the VoIP terminal 600 is the virtual CD It is preferable to generate payment information (eg, payment information for bank transfer / bankbook payment transaction) using the ATM-based non-face-to-face financial transaction function.

Alternatively, when the payment means corresponding to the card information read through the card reader unit 610 includes any one of credit card information and check card information, the VoIP terminal 600 is based on the virtual CD / ATM. Payment information (for example, credit settlement) using a non-face-to-face financial transaction function (not shown) or a separate card payment function (not shown) provided in the VoIP terminal 600 (for example, credit settlement). / Payment information for check payment) is preferably generated.

Thereafter, the VoIP terminal 600 generates the full transaction request message including the generated payment information, transaction information including one or more payment card information (or account information) and a password (755).

8 is a diagram illustrating a process of paying a communication fee through card payment according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a process of processing a card payment through a communication approval request text when the transaction request text generated through the process shown in FIG. 7 is a payment approval request text for card payment processing. As those skilled in the art to which the present invention pertains, various implementation methods (e.g., some steps may be performed) for the process of paying the communication fee through payment by referring to and / or modifying the drawing of FIG. The method may be omitted or the order may be changed). However, the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 8, when the transaction request message generated through the process shown in FIG. 7 is a payment approval request message for card payment processing, the VoIP terminal 600 may request a payment approval request message corresponding to the transaction request message. To the bansa server (800), check whether the payment approval result message containing payment history information corresponding to the communication fee payment is received from the bansa server (805), if the payment approval result message is received ( In operation 810, the VoIP terminal 600 outputs the payment history information included in the full payment approval result (820).

Thereafter, the VoIP terminal 600 reads the payment history information and checks whether the payment is approved for the communication fee (825). If the communication fee is approved for payment (830), the VoIP terminal 600 The terminal deletes or deactivates the communication fee payment information stored in the payment invoice (835).

9 illustrates a virtual CD / ATM based financial transaction system via VoIP according to an embodiment of the present invention.

In more detail, FIG. 9 provides VoIP terminal 980 information and security module information from the VoIP terminal 980 illustrated in FIG. 6 to a financial institution server 935 (or a communication relay server 900) through a communication network. When the financial institution server 935 (or the communication relay server 900) is connected to the storage medium 930, the virtual terminal activation information corresponding to the VoIP terminal 980 information and the security module information is provided. 980 to activate the virtual financial terminal function of the VoIP terminal 980, and receives and authenticates the virtual financial terminal information from the VoIP terminal 980 where the virtual financial terminal function is activated in the financial institution server 935. After authenticating the virtual financial terminal function of the VoIP terminal 980, and transmits the full transaction request for the virtual CD / ATM-based communication fee payment from the authenticated VoIP terminal 980, the financial company server (935) Virtual CD / ATM based communication The present invention relates to a system for processing CD / ATM-based financial transactions corresponding to payment of gold. Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing to virtualize the VoIP. Various implementation methods for the CD / ATM based financial transaction system configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the VoIP terminal 980 information and the security module information provided from the VoIP terminal 980 are received, and the virtual financial terminal activation information corresponding to the received VoIP terminal 980 information and the security module information. At least one or more means for transmitting to the VoIP terminal 980, or a component corresponding to a functional configuration is called a "relay server" for convenience, and the virtual financial terminal information from the VoIP terminal 980 where the virtual financial terminal function is activated. After receiving and authenticating the virtual financial terminal function of the VoIP terminal 980, and transmitting the full transaction request message for payment of the virtual CD / ATM based communication fee from the authenticated VoIP terminal 980, At least one or more means for processing CD / ATM based financial transactions corresponding to CD / ATM based communication fee payment, or components corresponding to functional configurations, are referred to as " financial company server 935 " for convenience.

Referring to FIG. 9 according to an embodiment of the present invention, the virtual CD / ATM-based financial transaction system via VoIP includes at least one VoIP terminal 980 connected to a communication network, and the VoIP terminal 980 transmitted from the VoIP terminal 980. A storage medium 930 for storing VoIP terminal 980 information and security module information, and a VoIP terminal 980 information and security module information connected to the VoIP terminal 980 through a communication network and transmitted through the communication network. A relay server that receives and transmits virtual financial terminal activation information corresponding to the received VoIP terminal 980 information and security module information to the VoIP terminal 980, and is connected to the VoIP terminal 980 through a communication network; Or receiving and authenticating virtual financial terminal information from the VoIP terminal 980 which is connected to the VoIP terminal 980 through the relay server and the virtual financial terminal function is activated, thereby virtualizing the VoIP terminal 980.After authenticating the terminal function, when the authenticated VoIP terminal 980 transmits the transaction request message for virtual CD / ATM based communication fee payment, the CD / ATM based corresponding to the virtual CD / ATM based communication fee payment is transmitted. And a financial company server 935 for processing a financial transaction, wherein the financial company server 935 is a financial transaction server for processing a CD / ATM based financial transaction, or processes a CD / ATM based financial transaction. It is preferable to include a server associated with the financial transaction server.

The VoIP terminal 980 is characterized by having a VoIP function configuration shown in FIG. 6, which will be described in detail with reference to FIG.

The storage medium 930 provided on the financial transaction system for paying the virtual CD / ATM based communication fee through the VoIP includes customer information registered during the VoIP subscription, VoIP terminal 980 information, security module information, and the security module. And storing the virtual financial terminal activation information for the security module corresponding to the information.

Here, the customer information is the personal information (or subscriber) of the customer who purchases (or receives) the VoIP terminal 980 equipped with the card reader and the security module, and requests the VoIP subscription to the VoIP terminal 980. Information).

The VoIP terminal 980 information is identification information assigned to the VoIP terminal 980 by a VoIP service provider to identify the VoIP terminal 980 that is requested to be subscribed among a plurality of VoIP terminals 980. It is preferable that the VoIP terminal 980 includes a telephone number, and further includes other identification information (eg, an ESN, a serial number, an IP address, etc.) in addition to the VoIP terminal 980 telephone number according to the intention of a person skilled in the art. It is preferable to make.

The security module information is information for identifying a security module provided in the VoIP terminal 980, and preferably includes one or more of the security module identification code, serial number, and authentication number.

The virtual financial terminal activation information activates the security module provided in the VoIP terminal 980 so that the VoIP terminal 980 operates as a virtual financial terminal (eg, a CD / ATM (Cash Dispenser / Automatic Teller Machine)). The information to be processed preferably includes one or more verifier (or authenticator) information, authentication key information (or information for generating an authentication key), and an authentication number that are read (or authenticated) by the security module. Do.

According to another exemplary embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through random numbers, the storage of the virtual financial terminal activation information in the storage medium 930 may be omitted. The present invention is not limited by this.

According to an embodiment of the present invention, the relay server may include an interface unit 905 for connecting and managing the VoIP terminal 980 and a VoIP-based communication channel.

According to an exemplary embodiment of the present invention, the interface unit 905 connects the VoIP terminal 980 with a VoIP-based voice call channel, and converts the voice call channel into a data communication channel.

According to another exemplary embodiment of the present invention, the interface unit 905 preferably connects the VoIP terminal 980 to a VoIP-based data communication channel.

Referring to FIG. 9, the relay server may include an information receiver 910 (or information) for receiving VoIP terminal 980 information and security module information transmitted from the VoIP terminal 980 in association with the interface unit 905. Receiving means), an information checking unit 915 (or information checking means) for confirming virtual financial terminal activation information corresponding to the VoIP terminal 980 information and the security module information in association with the storage medium 930; An information transmission unit 920 (or information transmission means) for transmitting the checked virtual financial terminal activation information to the VoIP terminal 980 to process the virtual financial terminal function of the VoIP terminal 980 to be activated. It is characterized by.

The information receiving unit 910 receives the VoIP terminal 980 information and the security module information transmitted from the VoIP terminal 980 in association with the interface unit 905, and the interface unit 905 When the VoIP terminal 980 information can be confirmed through the information receiving unit 910, the security module information received from the VoIP terminal 980 is received, and the VoIP terminal (905) is connected with the interface unit 905. 980, it is desirable to confirm the information.

When the VoIP terminal 980 information and the security module information are received by the information receiving unit 910, the information checking unit 915 is connected to the storage medium 930 and the VoIP terminal 980 information and security module. And confirming the virtual financial terminal activation information corresponding to the information.

According to another exemplary embodiment of the present invention, the information checking unit 915 may dynamically generate the virtual financial terminal activation information, whereby the present invention is not limited thereto.

Thereafter, the information transmitter 920 transmits the identified virtual financial terminal activation information to the VoIP terminal 980 to process the virtual financial terminal function of the VoIP terminal 980 to be activated.

Referring to FIG. 9, the relay server relays the VoIP terminal 980 and the financial institution server 935 when the VoIP terminal 980 connects to the financial institution server 935 with an end-to-end secure communication channel. A communication relay unit 925 is further provided.

According to an embodiment of the present invention, when the relay server includes the communication relay unit 925, the relay server is preferably a communication relay server 900 between the VoIP terminal 980 and the financial company server 935. Do.

Referring to FIG. 9, the financial institution server 935 may include a communication channel operating unit 940 (or communication channel operating means) connecting the VoIP terminal 980 to an end-to-end secure communication channel based on encryption / decryption; A virtual financial terminal information receiver 945 (or information receiving means) for receiving virtual financial terminal information from the VoIP terminal 980 through the secure communication channel, and reading the virtual financial terminal information to read the virtual financial terminal information. It characterized in that it comprises a terminal authentication unit 950 (or terminal authentication means) for authenticating the validity.

The communication channel manager 940 connects the end-to-end secure communication channel based on encryption / decryption with the VoIP terminal 980 shown in FIG.

According to an exemplary embodiment of the present invention, the communication channel operation unit 940 bypasses the relay server according to the non-face-to-face financial transaction control of the security module, thereby allowing the VoIP terminal 980 and the financial company server 935. It is desirable to connect an end-to-end secure communication channel based on encryption / decryption.

According to another exemplary embodiment of the present invention, the communication channel operation unit 940 encrypts between the VoIP terminal 980 and the financial company server 935 according to a virtual private network protocol according to the non-face-to-face financial transaction control of the security module. It is desirable to connect end-to-end secure communication channels based on / decryption.

Those skilled in the art will be familiar with the technical features of the end-to-end secure communication channel based on encryption / decryption between the VoIP terminal 980 and the financial institution server 935 described above. The detailed description thereof will be omitted for convenience.

Thereafter, the virtual financial terminal information receiving unit 945 receives virtual financial terminal information from the VoIP terminal 980 through the secure communication channel, and the terminal authentication unit 950 receives the virtual financial terminal information. It is characterized in that the processing to ensure that the VoIP terminal 980 is recognized as a virtual financial terminal by reading and authenticating the validity.

According to an exemplary embodiment of the present invention, the terminal authentication unit 950 reads the virtual financial terminal information according to a conventional CD / ATM authentication method and authenticates the validity, thereby recognizing the VoIP terminal 980 as a virtual financial terminal. Preferably, the financial institution server 935 has a database (not shown) for storing separate terminal authentication information for authenticating the virtual financial terminal information according to the CD / ATM authentication method for each financial institution. It is possible.

When the VoIP terminal 980 is authenticated (or recognized) with the virtual financial terminal (eg, virtual CD / ATM), the terminal authentication unit 950 sends the virtual financial terminal authentication information to the VoIP terminal 980. In response, the VoIP terminal 980 corresponds to the virtual financial terminal (eg, virtual CD / ATM) according to a non-face-to-face financial transaction control procedure according to the financial transaction control of the security module. It is characterized by performing a financial transaction procedure.

Referring to FIG. 9, the financial institution server 935 may transmit a full transaction request message including one or more payment account information (or card information), password, and payment information from the VoIP terminal 980 through the secure communication channel. Receiving professional receiving unit 960 (or professional receiving means), payment information authentication unit 955 (or payment information authentication means) for authenticating the validity of the payment information contained in the transaction request text, and linked with the financial system A payment processing unit 965 (or a payment processing means) for processing a communication fee payment corresponding to the received transaction request message, and a transaction response message (for example, the communication fee payment processing) including the communication fee payment processing result; And a professional transmission unit 970 (or a professional transmission means) for generating a full text including payment history information corresponding to the ledger processing result for transmission to the VoIP terminal 980. And that is characterized.

When the VoIP terminal 980 is recognized as a virtual financial terminal, the specialized receiving unit 960 is payment information generated from payment target communication fee payment information stored in a billing box provided in the VoIP terminal 980, and for payment. Characterized in that it receives the full transaction request, including the account information (or card information), transaction information including one or more passwords.

In this case, the transaction request telegram is preferably made of a CD / ATM-based transaction request telegram structure recognized by the financial institution server 935 as a transaction request telegram transmitted from the CD / ATM terminal.

When the transaction request message is received through the message receiver 960, the payment information authentication unit 955 may verify validity of payment information included in the transaction request message.

According to the implementation method of the present invention, the payment information authentication unit 955 preferably authenticates the payment information is valid in connection with the payment management server 100 shown in FIG.

In addition, when the transaction request message is received through the specialized receiver 960, the payment processor 965 performs the requested ledger process (eg, ledger information inquiry) in connection with the financial system. .

According to the method of the present invention, the payment processing unit 965 is linked with the financial system from the ledger corresponding to the payment account information (or account information associated with the card information) for the payment account information (or card information) After verifying the validity of the account information associated with the) and the password, and confirms the payment transaction validity (eg, balance validity) corresponding to the payment information from the ledger corresponding to the result of the validity authentication, the account information for payment It is preferable to generate the payment transaction information for paying the communication fee based on the account information associated with the card information and the payment information.

In the technical field to which the present invention belongs, the payment processing unit 965 will be familiar with the technical features of processing the ledger corresponding to the full transaction request in connection with the financial system, and the detailed description thereof will be omitted for convenience. .

When the payment transaction information is generated through the ledger processing by the payment processing unit 965, the full-text transmission unit 970 includes a transaction response message (eg, the communication fee) including payment transaction information corresponding to the result of the ledger processing. A full text including payment transaction information corresponding to a ledger processing result for payment is generated and transmitted to the VoIP terminal 980.

Thereafter, the VoIP terminal 980 outputs payment transaction information included in the transaction response message, and when the payment transaction approval for the payment transaction information is confirmed, the payment transaction approval message is transmitted through the secure communication channel. When the payment transaction approval message is received, the payment processing unit 965 processes the payment transaction corresponding to the payment transaction information in association with the financial system.

When the payment transaction is processed through the payment processing unit 965, the specialized transmission unit 970 generates a payment result message including payment history information corresponding to a payment transaction processing result and transmits the result to the VoIP terminal 980. Characterized in that.

After the payment result is transmitted to the VoIP terminal 980, the communication channel manager 940 preferably releases the end-to-end secure communication channel with the VoIP terminal 980.

10 is a diagram illustrating a process of connecting a secure communication channel between a VoIP terminal 980 and a financial institution server 935 according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a virtual financial terminal program (eg, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 980) in the VoIP terminal 980 illustrated in FIG. 6. It starts and transmits the VoIP terminal 980 information and the security module information to the relay server shown in Figure 9 to receive the virtual financial terminal activation information from the relay server, and through the received virtual financial terminal activation information After activating the virtual financial terminal function provided in the VoIP terminal 980, and the process of connecting to the financial institution server 935 shown in Figure 9 through the end-to-end secure communication channel based on the virtual financial terminal function, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to connect a secure communication channel between the VoIP terminal 980 and the financial institution server 935. Various implementation methods for the process may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 10, the VoIP terminal 980 shown in FIG. 6 starts a virtual financial terminal program (for example, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 980). By connecting (or switching) the communication channel with the relay server shown in FIG. 9 (1000), and if the communication channel with the relay server (or switching) (1005), through the communication channel to the relay server The VoIP terminal 980 information and the security module information corresponding to the security module provided in the VoIP terminal 980 are linked to the memory unit, and the VoIP terminal 980 information and the security module information are checked. Transmitting to the relay server (1010).

Subsequently, the relay server includes a card reader and a valid security module (eg, the virtual financial terminal information) in the VoIP terminal 980 in association with the storage medium 930, and provides the non-face-to-face financial transaction control information and the non-face-to-face finance. Security module having a transaction authentication function), and when the VoIP terminal 980 is provided with a card reader and a valid security module, information and security of the VoIP terminal 980 from the storage medium 930 are secured. The virtual financial terminal activation information associated with the module information is checked (or dynamically generated) (1015).

Here, the virtual financial terminal activation information, by activating the security module provided in the VoIP terminal 980 to activate the VoIP terminal 980 to operate as a virtual financial transaction terminal (= virtual CD / ATM). As information, the security module activated by the virtual financial terminal activation information is encrypted / decrypted based on the VoIP terminal 980 and the financial institution server 935 (or the financial institution server 935 via the communication relay server 900). Connect the secure communication channel, and transmit the virtual financial terminal information included in the security module from the VoIP terminal 980 to the financial institution server 935 through the secure communication channel, and the VoIP terminal 980. In the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function provided in the security module is preferred to process the non-face-to-face financial transaction.

If the virtual financial terminal activation information is confirmed (1020), the relay server transmits the virtual financial terminal activation information to the VoIP terminal 980 through the communication channel (1025), and correspondingly the VoIP terminal 980 ) Receives the virtual financial terminal activation information through the communication channel and provides the virtual financial terminal activation information to the security module, thereby reading the virtual financial terminal activation information from the security module and processing the virtual financial terminal function of the security module to be activated. 1030).

If the virtual financial terminal function of the security module is activated (1035), the VoIP terminal 980 is an end-to-end secure communication based on encryption / decryption with the financial company server 935 in accordance with the non-face-to-face financial transaction control of the security module The channel is connected (1040).

According to an exemplary embodiment of the present invention, the VoIP terminal 980 bypasses one or more communication relay servers 900 according to the non-face-to-face financial transaction control of the security module to bypass the VoIP terminal 980 and the financial company. It is desirable to connect an end-to-end secure communication channel based on encryption / decryption between the servers 935.

According to another exemplary embodiment of the present invention, the VoIP terminal 980 is encrypted / decrypted between the VoIP terminal 980 and the financial company server 935 according to a virtual private network protocol according to the non-face-to-face financial transaction control of the security module. It is desirable to connect the base end-to-end secure communication channel.

Those skilled in the art will be familiar with the technical features of the end-to-end secure communication channel based on encryption / decryption between the VoIP terminal 980 and the financial institution server 935 described above. The detailed description thereof will be omitted for convenience.

11 is a diagram illustrating a process of processing the VoIP terminal 980 to be recognized as a virtual financial terminal according to an embodiment of the present invention.

In more detail, in FIG. 11, after the secure communication channel is connected to the financial institution server 935 illustrated in FIG. 9 through the secure communication channel connection process of FIG. 10, the secure communication channel is connected to the VoIP terminal 980 illustrated in FIG. 6. As a process for transmitting the virtual financial terminal information to the financial institution server 935 to process the VoIP terminal 980 to be recognized as a virtual financial terminal (for example, a virtual CD / ATM) in the financial institution server 935, Those skilled in the art to which the present invention pertains can deduce various implementation methods for the process of processing the VoIP terminal 980 to be recognized as a virtual financial terminal by referring to and / or modifying the drawing 11. As will be appreciated, the present invention includes all implementation methods inferred, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 11, after the secure communication channel is connected to the financial institution server 935 illustrated in FIG. 9 through the secure communication channel connection process of FIG. 10, the VoIP terminal 980 illustrated in FIG. 6 is connected to the VoIP terminal 980. The terminal 980 outputs a virtual financial terminal authentication interface to the screen output means according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module, and authenticates information (eg, through the virtual financial terminal authentication interface). PIN information about the security module) is input (1100), and if authentication information is input through the virtual financial terminal authentication interface (1105), the VoIP terminal 980 functions as a virtual financial terminal function of the security module. Processing the inputted authentication information to be provided to and read from the security module according to a non-face-to-face financial transaction control corresponding to And as a result from the security module to verify a virtual financial terminal information (or extraction) 1110.

According to another exemplary embodiment of the present invention, the VoIP terminal 980 outputs the virtual financial terminal authentication interface, and provides authentication information input through the virtual financial terminal authentication interface to the security module to be authenticated. In this case, it is preferable to check (or extract) the virtual financial terminal information from the security module according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module.

If the virtual financial terminal information is identified (or extracted) from the security module (1115), the VoIP terminal 980 is connected to the secure communication channel according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. The virtual financial terminal information is transmitted to the financial institution server 935 through 1120.

Thereafter, the financial institution server 935 receives the virtual financial terminal information, reads and authenticates the received virtual financial terminal information, and verifies the validity of the virtual financial terminal of the VoIP terminal 980 (1125).

If the validity of the virtual financial terminal of the VoIP terminal 980 is not authenticated (1130), the financial institution server 935 transmits the virtual financial terminal error information to the VoIP terminal 980 through the secure communication channel ( In operation 1140, the end-to-end secure communication channel between the VoIP terminal 980 and the financial institution server 935 is released (1140).

On the other hand, if the validity of the virtual financial terminal of the VoIP terminal 980 is authenticated (1130), the financial institution server 935 transmits the virtual financial terminal authentication information to the VoIP terminal 980 through the secure communication channel (1145). In response, the VoIP terminal 980 performs a financial transaction procedure corresponding to a virtual financial terminal (eg, a virtual CD / ATM) according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. do.

12 is a diagram illustrating a process of deactivating a VoIP communication function of a VoIP terminal 980 according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates the VoIP terminal 980 of the VoIP terminal 980 illustrated in FIG. 6 through the virtual financial terminal recognition process illustrated in FIG. 11. When a virtual financial terminal is recognized as a virtual financial terminal, the process of deactivating the VoIP communication function (eg, VoIP-based voice call function, or VoIP-based data communication function) of the VoIP terminal 980, the present invention belongs to Persons having ordinary skill in the art will be able to deduce various embodiments of the process of deactivating the VoIP communication function of the VoIP terminal 980 by referring to and / or modifying the drawing of FIG. 12. All inferred implementation methods are included, and the technical features are not limited only to the implementation method illustrated in FIG. 12.

Referring to FIG. 12, the VoIP terminal 980 shown in FIG. 6 is connected to the financial institution server 935 and the secure communication channel through the secure communication channel connection process shown in FIG. Through the virtual financial terminal recognition process, the VoIP terminal 980 is recognized as a virtual financial terminal by the financial company server 935 shown in FIG. 9, and the virtual financial terminal function of the VoIP terminal 980 is performed by the security module. Check whether it is activated (for example, whether the virtual financial terminal authentication information is received from the financial institution server 935) (1200).

If it is confirmed that the virtual financial terminal function of the VoIP terminal 980 is activated (1205), the VoIP terminal 980 is a VoIP communication function (eg, a VoIP-based voice call function, or VoIP) of the VoIP terminal 980. Based data communication function) to be deactivated (1210).

According to an embodiment of the present invention, deactivating a VoIP communication function (eg, a VoIP based voice call function or a VoIP based data communication function) of the VoIP terminal 980 may be performed in addition to the communication function through the secure communication channel. It is preferred to include blocking all communication (eg, sending and receiving packets for voice calls, or sending and receiving packets for data communication) through the VoIP terminal 980.

If the VoIP communication function (eg, the VoIP based voice call function or the VoIP based data communication function) of the VoIP terminal 980 is deactivated (1215), the VoIP terminal 980 may be a VoIP server (eg, a gateway, Or gatekeeper) and transmits the VoIP communication deactivation information (1220), and in response, the VoIP server recognizes that the VoIP terminal 980 is in a call through the VoIP communication deactivation information (1225).

Hereinafter, the VoIP terminal 980 is processed as a virtual financial terminal (for example, a virtual CD / ATM) through the processes illustrated in FIGS. 13 and 14 to process a virtual CD / ATM based communication fee payment through the VoIP. It will be described with reference to a preferred embodiment to the.

However, the process of providing the non-face-to-face financial transaction by treating the VoIP terminal 980 with a virtual financial terminal (for example, a virtual CD / ATM) is not limited to the implementation method illustrated in FIGS. 13 and 14 below. The process of providing the non-face-to-face financial transaction by processing the VoIP terminal 980 as a virtual financial terminal is not necessarily performed by the non-face-to-face financial transaction procedure (e.g., interface output order and specialized processing method) included in the security module. Various modifications can be provided according to the present invention, and the present invention is characterized by including all the inferred non-face-to-face financial transaction procedures.

FIG. 13 is a diagram illustrating a first process of processing a communication fee payment by processing a VoIP terminal 980 as a virtual financial terminal according to an embodiment of the present invention.

In more detail, in FIG. 13, the VoIP terminal 980 illustrated in FIG. 6 is recognized as a virtual financial terminal (eg, CD / ATM) through the virtual financial terminal recognition process shown in FIG. The VoIP communication function of the VoIP terminal 980 is deactivated through the VoIP communication function deactivation process illustrated in FIG. 12, and payment account information (or card information), password, and payment information are performed through the process illustrated in FIG. When the transaction request message including one or more is generated, the transaction request message is transmitted to the financial company server 935 through the secure communication channel connected to the financial company server 935 in the VoIP terminal 980 illustrated in FIG. And processing the payment of a communication fee corresponding to the transaction request text by considering the VoIP terminal 980 as a virtual financial terminal on the basis of the transaction request text at the financial company server 935. For those of ordinary skill in the art to which the present invention pertains, a first method of processing a communication fee payment by processing the VoIP terminal 980 as a virtual financial terminal by referring to and / or modifying the drawing 13 is made. Various implementation methods for the process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 13, the VoIP terminal 980 shown in FIG. 6 is recognized as a virtual financial terminal (eg, CD / ATM) through the virtual financial terminal recognition process shown in FIG. The VoIP communication function of the VoIP terminal 980 is deactivated through the VoIP communication function deactivation process shown in FIG. 12, and the payment account information (or card information), password, and payment information are deactivated through the process shown in FIG. When the transaction request message including the above is generated, the VoIP terminal 980 transmits the transaction request message including one or more of the payment account information (or the card information), the password, and the payment information through the secure communication channel. The financial institution server 935 which transmits to the transaction request message 935 and receives the full transaction request message 1935 checks the validity of the payment information included in the transaction request message 1305.

According to the implementation method of the present invention, the financial institution server 935 is preferably connected to the payment management server 100 shown in Figure 1 to verify whether the payment information is valid.

If the validity of the payment information is not confirmed (1310), the financial institution server 935 generates a transaction response message including the communication fee payment error information (1335), and the VoIP terminal through the secure communication channel ( The transaction response message is transmitted to the communication response message, and the communication fee payment error information is output (1350).

On the other hand, if the validity of the payment information is confirmed (1310), the financial institution server 935 checks the validity of the payment account information (or card information) and password included in the full transaction request in connection with the financial system. (1315).

If the validity of the payment account information (or card information) and password is not confirmed (1320), the financial institution server 935 generates a full transaction response message including the communication fee payment error information (1335), The transaction response message is transmitted to the VoIP terminal 980 through a secure communication channel to output the communication fee payment error information (1350).

If the validity of the payment account information (or card information) and the password is confirmed (1320), the financial institution server 935 in connection with the financial system validity of the payment transaction through the payment information (eg, account balance inquiry (1325).

If the payment transaction validity is not confirmed (1330), the financial institution server 935 generates a transaction response message including communication fee payment error information (1335), and the VoIP terminal 980 through the secure communication channel. The transaction response message is transmitted to the terminal to output the communication fee payment error information (1350).

On the other hand, if the payment transaction validity is confirmed (1330), the financial institution server 935 generates a full transaction response message containing payment transaction information corresponding to the ledger processing result (1340).

If the transaction response message is generated (1345), the financial institution server 935 transmits the transaction response message to the VoIP terminal 980 via the secure communication channel, and outputs the payment transaction information (1350). Request for payment transaction approval for the payment transaction information.

FIG. 14 is a diagram illustrating a second process of processing a communication fee payment by processing the VoIP terminal 980 as a virtual financial terminal according to an embodiment of the present invention.

In detail, FIG. 14 shows that after payment transaction information is output to the VoIP terminal 980 through the process shown in FIG. 13, the VoIP terminal 980 processes the payment transaction approval for the payment transaction information. The process of processing a payment transaction corresponding to the payment transaction approval by considering the VoIP terminal 980 as a virtual financial terminal on the basis of the transaction request message in the financial company server 935, which belongs to the present invention. Those skilled in the art may refer to and / or modify this drawing 14 to implement various methods for the second process of processing the communication fee payment by processing the VoIP terminal 980 as a virtual financial terminal. It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 14, after payment transaction information is output to the VoIP terminal 980 through the process illustrated in FIG. 13, the VoIP terminal 980 checks whether a payment transaction approval for the payment transaction information is input. (1400).

If the payment transaction approval for the payment transaction information is confirmed (1405), the VoIP terminal 980 transmits the payment transaction approval message to the financial company server 935 via the secure communication channel (1410), and responds thereto. The financial company server 935 processes the payment transaction based on the payment transaction approval full text (1415).

If the payment transaction is processed (1420), the financial institution server 935 generates a full payment result message including payment history information corresponding to the payment transaction processing (1425), and generates the generated payment result text in the secure communication. The payment history is outputted through the channel to the VoIP terminal 980 (1430).

Thereafter, the VoIP terminal 980 reads the payment history information and checks whether the payment transaction for the communication fee is approved (1435).

If it is confirmed that the payment transaction for the communication fee is approved (1430), the VoIP terminal 980 deletes or deactivates the communication fee payment information stored in the payment invoice (1445).

15 is a diagram illustrating a process of activating a VoIP communication function of a VoIP terminal 980 according to an embodiment of the present invention.

In more detail, FIG. 15 illustrates the virtual financial terminal function of the VoIP terminal 980 through the process illustrated in FIG. 14 after the VoIP communication function of the VoIP terminal 980 is deactivated through the process illustrated in FIG. Check whether the communication fee payment is completed or the secure communication channel between the VoIP terminal 980 and the financial institution server 935 is released, and upon confirmation of the completion of the communication fee payment (or secure communication channel release), the VoIP terminal ( 980 is a process for activating a VoIP communication function (eg, a VoIP-based voice call function or a VoIP-based data communication function), and a person skilled in the art may refer to FIG. 15. And / or may be modified to infer various implementation methods for the process of activating the VoIP communication function of the VoIP terminal 980, but the present invention is all inferred implementation It becomes to include the place, to which the technical feature that is not limited to the exemplary method shown in the figure 15.

Referring to FIG. 15, the VoIP terminal 980 deactivates the VoIP communication function of the VoIP terminal 980 through the process illustrated in FIG. 12, and then the VoIP terminal 980 through the process illustrated in FIG. 14. Check whether the payment of the communication fee through the virtual financial terminal function is completed or the secure communication channel between the VoIP terminal 980 and the financial institution server 935 is released (1500).

If it is confirmed that the communication fee payment completion (or secure communication channel release) is confirmed (1505), the VoIP terminal 980 is a VoIP communication function (e.g., a VoIP-based voice call function, or VoIP-based data communication function) to be activated (1510).

According to an embodiment of the present invention, the activation processing of the VoIP communication function (eg, the VoIP-based voice call function or the VoIP-based data communication function) of the VoIP terminal 980 may include all communication through the VoIP terminal 980. (E.g., packet transmission / reception for a voice call, or packet transmission / reception for a data communication).

If the VoIP communication function (eg, the VoIP based voice call function or the VoIP based data communication function) of the VoIP terminal 980 is activated (1515), the VoIP terminal 980 is connected to a VoIP server (eg, a gateway, Or transmits the VoIP communication activation information to the gatekeeper (1520), and in response, the VoIP server recognizes that the VoIP terminal 980 is capable of making a voice call (or transmitting and receiving a message) through the VoIP communication activation information. 1525, the original VoIP communication function provided in the VoIP terminal 980 is restored.

According to the present invention, communication fee payment information (e.g., bill payment information, or unpaid bill payment information) for a communication fee (e.g., billing or late payment fee) that the VoIP provider imposes on the VoIP terminal is transmitted to the VoIP terminal. After downloading to the provided billing device, the VoIP terminal is recognized as a virtual CD / ATM of a financial institution server at the time of using the VoIP terminal, and the communication fee payment information stored in the billing box through the virtual CD / ATM function. There is an advantage that can conveniently and securely pay the communication charge corresponding to.

According to the present invention, communication fee payment information (e.g., bill payment information, or unpaid bill payment information) for a communication fee (e.g., billing or late payment fee) that the VoIP provider imposes on the VoIP terminal is transmitted to the VoIP terminal. After downloading to the provided billing bill, there is an advantage that it is possible to conveniently and securely pay the communication fee corresponding to the communication bill payment information stored in the billing box through card payment at the time of using the VoIP terminal.

Claims (5)

In a system for paying fees through a VoIP terminal, Information provision confirmation means for confirming whether or not to provide fee payment information received from the VoIP terminal; Rate checking means for checking a rate to be charged to the VoIP terminal; Generates information for generating fee payment information to be provided to the VoIP terminal based on the fee confirmed by the fee checking means-any one of billing charges, arrears charges, giropayment information, other carrier bills or affiliate bills according to VoIP usage; Way; And transmitting the fee payment information to the VoIP terminal so as to be stored in a billing box included in the VoIP terminal. The information providing confirmation means, Receiving information requesting the payment information from the VoIP terminal, checking whether the VoIP terminal requests a call connection to the VoIP terminal after a specific date-time of billing or a date of payment of the last payment, and setting a fee A bill payment system characterized by checking a payment information provision policy (or schedule). The method of claim 1, Information storage means for storing the billing information together with the VoIP terminal information in a storage medium; Payment confirmation means for confirming payment processing for fee payment information stored in the payment invoice; And And information updating means for deleting (or inactivating) processing of payment of payment information stored in the storage medium, when the payment is confirmed. In the method for paying the fee through the VoIP terminal, the bill payment system linked with the VoIP terminal, Checking, by the billing system, whether to provide billing information to the VoIP terminal; Checking whether the fee payment information is to be charged to the VoIP terminal by checking whether the fee payment information is provided; Generating, by the fee payment system, fee payment information to be provided to the VoIP terminal based on the confirmed fee, information of any one of billing charges, arrears fees, giropayment information, other carrier fees or affiliate fees, based on VoIP usage; ; And And transmitting, by the bill payment system, the bill payment information to the VoIP terminal, and storing the bill payment information in the billing box included in the VoIP terminal. A non-face-to-face financial transaction using a key input means, a screen output means, a card reader, and a virtual financial terminal through the card reader, including one or more CD (Cash Dispenser) and ATM (Automatic Teller Machine). And a billing box for storing bill payment information, bill payment information, or arrears payment information, giro payment information, other carrier bill payment information, or partner bill payment information. In a VoIP terminal comprising a memory unit, A payment information confirmation unit confirming one or more payment target fee payment information stored in the payment invoice; An interface for outputting the payment target fee payment information through the screen output means and requesting a payment approval for the fee corresponding to the payment target fee payment information upon checking at least one payment target fee payment information; An output unit; A payment approval confirmation unit confirming payment approval for a fee corresponding to the payment target fee payment information through the fee payment interface; An information generation unit for generating payment information for processing the payment by using the security module that performs a virtual financial terminal function based on the payment target fee payment information upon confirming the payment approval; A specialized processing unit for transmitting the generated payment information, payment card information (or account information) read through the card reader, and a password inputted through the key input unit to a financial company server for payment; And And a virtual financial terminal control unit for controlling the virtual financial terminal function in association with the security module. The method of claim 4, wherein In accordance with the control function of the virtual financial terminal function of the security module, the virtual financial terminal information provided in the security module is transmitted to the financial institution server through a secure communication channel connected between the VoIP terminal and the financial institution server so that the VoIP terminal is a virtual financial transaction terminal. VoIP terminal with a bill payment function characterized in that it further comprises a terminal authentication processing unit for processing to be recognized as.

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