KR101327292B1 - Goods/service price payment system based on ars authentication using variious payment means and price payment method of the same - Google Patents

Abstract

Disclosed are a goods/service price payment system based on ARS authentication using various payment units and a payment method of the same. According to embodiments of the present invention, a purchaser can pay with optimal payment price rapidly by applying an optimal payment unit and discount unit per member store automatically when the purchaser purchases goods and service, and the purchaser can select whether to apply the optimal payment unit and discount unit per member store or a pre-established main payment unit as a payment unit for the goods/service purchase conveniently. Also, purchaser input for payment is minimized by enabling the purchaser to perform payment processing simply by inputting fixed payment password through a mobile terminal of the purchaser when the purchaser purchases goods/service, and security is further improved by using 2 channel authentication method when the payment password for payment of the purchased goods/service is authenticated. [Reference numerals] (10) Purchaser;(100) IP device/Member store terminal;(200) Payment processing server;(250) Customer DB;(260) Member store DB;(280) ARS server;(300) Verify real name/Call service agency;(400) Payment medium agency;(AA) Payment request;(BB) Input a mobile terminal number;(CC) Check whether the user is registered or not;(DD) Check result (registration);(EE) Provide member store identification information;(FF) Provide member store discount payment medium information;(GG) Select optimal payment medium by matching with stored multiple payment media;(HH) Request for inputting a payment password through ARS;(II) Provide the mobile terminal number;(JJ) Input the payment password through the ARS;(KK) Provide the inputted payment password;(LL) Check whether the inputted password is matched with the stored payment password or not;(MM) Ask for transaction approval to the payment medium agency of the selected optimal payment medium;(NN) Inform limit check and approval result;(OO) Inform payment completion information

Description

Payment system and payment method based on ARS certification using various payment methods {GOODS / SERVICE PRICE PAYMENT SYSTEM BASED ON ARS AUTHENTICATION USING VARIIOUS PAYMENT MEANS AND PRICE PAYMENT METHOD OF THE SAME}

The present invention relates to an ARS authentication-based goods / service payment system and payment method using a variety of payment means.

In recent years, with the rapid development of computer and communication technology, the Internet, a sea of information aimed at openness and unlimitedness, has been widely used not only for businesses but also for general households. In addition, e-bookstores such as Amazon.com are using the Internet to trade goods and make payments. In addition, mobile terminals such as mobile phones and PDAs (Personal Digital Assistants) are widely used and used in various fields.

On the other hand, there is a risk of theft or loss when using cash or credit card as a payment method for goods / services, and in particular, when using a credit card, a considerable fee is charged in the card payment process. Thus, for example, when making a small payment, payment through real time account transfer is often used.

However, real-time account transfers generally require complicated payment processing and hacking concerns about the buyer's account information, and the buyer must enter a lot of information even when paying for goods / services via credit card on-line. Therefore, the payment process is complicated and there is a concern of hacking. In addition, there are various preferred payment methods according to the buyer.

Recently, discounts are applied for each credit card when purchasing goods / services, or the total payment amount is reduced by using a discount coupon or the like (hereinafter referred to as a "discount means"), or as a benefit when purchasing goods / services. It is common practice to provide buyers with redemption, mileage, coupons, and reserves (hereinafter referred to as "points").

Thus, embodiments of the present invention, the optimal payment means and discount means are automatically applied for each merchant at the time of purchase of goods / services, the buyer can pay with the optimal payment, the mobile terminal number possessed by the buyer when purchasing goods / services It is an object of the present invention to provide an ARS authentication-based payment system and a payment method using various payment methods that minimize the purchaser input by allowing payment processing to be performed by simply inputting.

In addition, embodiments of the present invention, the payment is simply performed by inputting a predetermined password using the mobile terminal of the buyer at the time of payment of the purchased goods / services, and the ARS call channel in a way that receives the payment password Its purpose is to provide a payment system and payment method based on ARS authentication using various payment methods that provide convenience for buyers by preventing hacking concerns and implementing payment priorities for various payment methods. .

Accordingly, in the ARS authentication-based goods / service payment method using a variety of payment means according to an embodiment of the present invention, the payment processing server for the mobile terminal number of the buyer who purchased the goods / services received through the IP device or the merchant terminal Requesting to pay for the goods / services purchased by the buyer by providing a; Checking, by the payment processing server, whether or not the buyer is registered by using the mobile terminal number of the buyer; When the user is not registered, the purchaser registers the purchaser registration information including the payment password and the payment method registration information corresponding to the plurality of payment methods and receives the user authentication and the validity of the received buyer registration information and the payment method registration information. Confirming and storing the buyer registration information and the payment means registration information in a customer database server to register the buyer; Receiving, by the payment processing server, affiliate store discount payment means information of an affiliate store providing the product / service from an affiliate store database server; Selecting at least one optimal payment means from the stored plurality of payment means by matching the received merchant discount payment means information with the stored plurality of payment means of the buyer; The payment processing server provides the inputted mobile terminal number to an ARS server and a call service provider, and the ARS server calls a registered mobile terminal of the buyer through the call service provider to execute a voice guidance service. Requesting input of a payment password through an ARS communication channel; Receiving, by the payment processing server, a payment password received through the purchaser's registered mobile terminal and the ARS communication channel, and checking whether the received payment password matches a payment password previously stored in the customer database; And when the received payment password matches the payment password previously stored in the customer database, approving the payment with the selected optimal payment means.

In an embodiment, the registering of the buyer may include: setting a main payment means among the plurality of payment means through a buyer input; Through the purchaser input, the optimum payment means mode for making the optimal payment means as the payment means for the purchased goods / services and the main payment means for making the set main payment means as the payment means for the purchased goods / services Selecting at least one payment mode among the modes; and approving the payment, if the received payment password matches a payment password previously stored in the customer database. Characterized in that the step of approving the payment of the goods / services as a payment means.

In an embodiment, when the optimal payment means mode is selected, discount payment means information of the affiliated store and a list of the stored plurality of payment means of the buyer are included in at least one of the IP device or the merchant terminal and the mobile terminal of the buyer. It further comprises the step of displaying.

In an embodiment, when the selected payment means mode includes a point payment means, points of membership points associated with the affiliated store among at least one membership point subscribed to by the buyer from a point integrated management server linked with the payment processing server Receiving information, subtracting points corresponding to the payment price of the purchased goods / services from the received point information, and transmitting the deducted points and remaining points to the point integrated management server and the mobile terminal of the buyer; Characterized in that it comprises a step.

In one embodiment, the step of receiving from the merchant database server, the payment processing server receives the merchant identification information from the IP device or merchant terminal provided to the merchant database server; The method may further include detecting discount payment means information of the affiliated store previously stored in the affiliated store database server based on the received affiliated store identification information.

In an embodiment, the method may further include storing, in advance, affiliate store identification information and merchant discount payment means information of the affiliate store providing the product / service to the affiliate store database server interworking with the payment processing server.

In an embodiment, receiving point information of a membership point associated with the affiliate store among at least one membership point subscribed to by the purchaser from a point integrated management server interworking with the payment processing server; Adding points corresponding to the purchased goods / services to the received point information and transmitting the points to the point integrated management server; The method further comprises the step of transmitting the sum of the points and the points earning completion to the purchaser's mobile terminal.

In one embodiment, the plurality of payment means is characterized in that it comprises at least one or more of the account, debit card, credit card, check card, electronic money, membership points, gift certificates, coupons and mobile terminals of a financial institution.

In one embodiment, after the step of approving the payment, characterized in that it further comprises the step of providing the payment completion information for the goods / services to the registered mobile terminal of the buyer.

In one embodiment, the method comprises the steps of: downloading a payment processing program for performing at least some of the steps in a memory associated with at least one input means for the buyer input; And executing the payment program to process the payment for the product / service.

In addition, the ARS authentication-based goods / service payment system using a variety of payment means according to an embodiment of the present invention, the payment processing server for performing the approval process for payment of goods / services purchased by the buyer; A real-name verification agency for performing an identity verification of an unregistered buyer who purchased the product / service and a call service provider for performing an ARS voice announcement service at the request of an ARS server; A customer database server configured to encrypt and store buyer registration information of the buyer and payment means registration information corresponding to a plurality of payment means; An affiliate store database server for storing affiliate store identification information and affiliate store discount payment means information of the affiliate store providing the product / service; One or more payment means institutions that perform identity verification and validation of the payment means registration information and provide a processing result for the approval request of the payment processing server;

The payment processing server receives a mobile terminal number of a purchaser who purchased the goods / services received through an IP device or a merchant terminal and a request for payment processing for the purchased goods / services, and receives the received mobile terminal. The number is retrieved from the customer database server to confirm whether the buyer is a registered buyer, and when not registered, the buyer's registration information including the payment password and at least one payment means registration information, respectively, are input by the buyer. It is provided to a verification authority and the payment means authority to request identity authentication and validation, and if valid, provides the customer registration server and the payment means registration information to the customer database server to store the encrypted information, the IP device or affiliated store. Affiliation provided by terminal Receiving merchant discount payment means information corresponding to the identification information from the merchant database server, and matching the received merchant discount payment means information with a plurality of payment means stored in the customer database server optimal payment means of the plurality of payment means stored Select the service provider, provide the purchaser's mobile terminal number to the ARS server, request the ARS server to call the purchaser's registered mobile terminal through the call service provider, and use an ARS communication channel. Receives the payment password entered from the buyer through the query, and checks whether the received payment password matches the payment password stored in the customer database server, and if the match is requested to the payment means institution corresponding to the selected optimal payment means Characterized by The.

In one embodiment, the payment processing server, through the buyer input, set the main payment means of the plurality of payment means, and through the buyer input, the payment means for the goods / services purchased the selected optimal payment means Select at least one payment mode among the optimal payment means mode for setting the main payment means and the main payment means mode for making the set payment means of the purchased goods / services, and the received payment password is the customer. It is characterized by querying whether it matches the payment password stored in the database server and requesting the transaction approval from the payment means institution of the payment means corresponding to the selected payment method mode.

In one embodiment, if the selected payment means mode is the optimal payment means mode, the payment processing server, the at least one of the IP device or the merchant terminal and the buyer's mobile terminal information of the discount payment means of the merchant and the buyer's It is characterized by providing a list of the stored plurality of payment means.

In one embodiment, it is characterized in that it further comprises a point integrated management server linked to the payment processing server, integrated management of the point information of at least one membership point subscribed to by the buyer.

In one embodiment, when the point payment means is included in the selected payment method mode, the payment processing server,

Receives the point information of the membership point associated with the affiliated store among the at least one membership point subscribed to by the buyer from the point integrated management server, and the points corresponding to the payment price of the purchased goods / services from the received point information Deducting, characterized in that for transmitting the subtracted point and the remaining point to the point integrated management server and the buyer's mobile terminal.

In an embodiment, the payment processing server may receive, from the point integrated management server, point information of a membership point associated with the affiliated store among the at least one membership point subscribed to by the buyer, and purchase the point information based on the received point information. The points corresponding to the goods / services are added and transmitted to the point integrated management server, and the completion point accumulation points and points accumulated to the purchaser's mobile terminal are notified.

In one embodiment, the plurality of payment means is characterized in that it comprises at least one or more of the account, debit card, credit card, check card, electronic money, membership points, gift certificates, coupons and mobile terminals of a financial institution.

In one embodiment, the payment processing server, characterized in that for providing the payment completion information for the goods / services to the registered mobile terminal of the buyer.

According to the ARS authentication-based payment system and payment method using a variety of payment means according to embodiments of the present invention, when the purchase of goods / services, the optimal payment means and discount means are automatically applied for each merchant to ensure that the buyer pays the optimal payment price. It is possible to make payments quickly and provide convenience to the buyer by implementing the buyer to select whether to apply the optimal payment method and discount method or the predetermined main payment method for each merchant as a payment method for goods / service purchase.

In addition, according to the ARS authentication-based payment system and payment method using a variety of payment means according to the embodiments of the invention, when purchasing goods / services simply by entering a predetermined payment password through the mobile terminal possessed by the purchaser Can be performed to minimize buyer input for payment.

Furthermore, according to the ARS authentication-based payment system and payment method using a variety of payment means according to the embodiments of the present invention, improved security by using a two-channel authentication method for authentication of the payment password for payment of purchased goods / services It can be applied, regardless of the type of the buyer's mobile terminal or the type of communication network used, it can be performed without installing additional devices or functions in the existing mobile terminal for payment processing.

1 is a view showing the configuration of a product / service payment system based on ARS authentication using a variety of payment means according to an embodiment of the present invention.
2 is a flowchart illustrating an ARS authentication based product / service payment method using various payment methods when confirming a purchaser registration according to an embodiment of the present invention.
3 is an exemplary flowchart of a purchaser registration process including selection of a payment means mode upon confirmation of unregistered purchaser according to an embodiment of the present invention.
4 is an exemplary flowchart illustrating a process in which membership points associated with an affiliate store are used as one of a payment means and an earning means according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings will be described in more detail the ARS authentication-based goods / service payment system and payment method using a variety of payment means according to embodiments of the present invention. In the following description, well-known functions or constructions are not described in detail since they may obscure the subject matter of the present invention.

Referring to Figure 1, a schematic configuration of an ARS authentication-based payment system using a variety of payment means according to an embodiment of the present invention. The payment system is the purchaser's mobile terminal 10, IP device / merchant terminal 100, payment processing server 200, customer database server 250, merchant database server 260, ARS server 280, real name confirmation The institution and the call service provider 300, a payment means agency 400 corresponding to various payment means for payment of the purchased goods / services, the point integrated management server 500 and the like.

The mobile terminal 10 generally means a mobile phone in the name of a buyer, but is not limited thereto, and includes a smart phone, a laptop computer, a digital broadcasting terminal, a personal digital assistant (PDA), and a portable portable media player (PMP). It can also be implemented as a multimedia player, navigation, Slate PC, Tablet PC, Ultra Book, etc.

Here, the mobile terminal 10 has a basic function of wireless Internet access as well as receiving messages such as ARS call, short message (SMS) and multimedia message (MMS).

The real name verification authority 310 is a service provider for performing identification of the unregistered buyer who purchased the goods / services. In addition, the call service provider 320 is a service provider for performing the ARS voice announcement service at the request of the ARS server 280.

The ARS server 280 requests the call service provider 320 to execute the ARS based voice announcement service by providing the purchaser's mobile terminal number. The ARS server 280 may be connected to the payment processing server 200 to access the purchaser's mobile terminal through a wireless or wired communication network. In addition, the ARS server 280 provides information received through the call service provider 320 to the payment processing server 200.

The payment means institution 400 includes, for example, a bank, a securities company, a card company, a point payment processing company, a gift certificate payment processing company, and the like. The payment means institution 400 checks the identity and validity of the payment means registration information at the request of the payment processing server 200. In addition, the payment means institution 400 checks whether the payment for the transaction approval request of the payment processing server 200 can cover all of the payment amount, and provides the verification result to the payment processing server 200.

Merchant database server 260 stores the merchant identification information and merchant discount payment means information of the merchant providing the goods / services. Merchant discount payment means information stored in the affiliate database server 260 may be added, deleted, and changed by an authorized person (eg, member). In addition, although the merchant database server 260 may be provided separately, it may be implemented in the payment processing server 200.

The point integrated management server 500 interworks with the payment processing server 200 to integrate and manage the point information of at least one membership point subscribed to by the purchaser. The point integrated management server 500 transmits and receives point information in association with the payment processing server 200, in particular, when using different membership points for each affiliate store.

The payment processing server 200 collectively performs a transaction approval procedure for a payment request for a product / service purchased by the purchaser 10.

The payment processing server 200 is connected to the mobile terminal 10 or the IP device / merchant terminal 100 by running terminal application software such as a VM application through a wired Internet or a dedicated network as well as wireless Internet access. As a server, not only a connection using a data communication network but also a connection through a voice network is allowed.

The payment processing server 200 receives a payment processing request and a mobile terminal number for a product / service received from a buyer / seller through the IP device / merchant terminal 100.

Here, the IP device is a device necessary to receive a mobile terminal number from a purchaser when a product / service purchase is made online, and includes all electronic devices using an internet service network.

Examples of such an IP device may include, but are not limited to, an IPTV, a personal PC, a notebook computer, a digital broadcasting terminal, a PDA, a smart phone, a smart TV, and a two-way media device equipped with a satellite transceiver. .

Merchant terminal is a device necessary to receive the purchaser's mobile terminal number when the product / service purchase is made offline, for example, but not limited to, CAT, POS, Barcode reader, NFC-enabled reader, multi-card reader, etc. The terminal may be included therein.

The payment processing server 200 searches the customer database server 250 using the mobile terminal number input through the mobile terminal 10 or the IP device / merchant terminal 100, and the search result indicates that the buyer of the product / service is Check whether you are a registered buyer or an unregistered buyer.

In the case of an unregistered buyer, the payment processing server 200 receives buyer registration information and at least one payment method registration information input from the buyer in the input method selected by the buyer.

Here, the input method selected by the purchaser refers to an input method selected by the purchaser among various input methods such as a key input method using an IP device connected through an Internet network, a key input using a mobile terminal, or a voice input method.

For example, the purchaser may access the internet network through a personal PC and input requested information. In addition, the purchaser may input the requested information through the ARS service using a wired or wireless communication network. In addition, the purchaser may directly call the service provider, enter the requested information, or call the service provider in response to a call back message sent from the service provider, to obtain the requested information. You can also type.

In detail, the payment processing server 200 receives the purchaser registration information including the purchaser's name, the mobile terminal number, the payment password, etc. received through the mobile terminal 10 in the input method selected by the buyer.

Here, the purchaser registration information is the identity of the buyer, such as the buyer's name, mobile terminal number, personal identification information (e.g., public I-Pin number, social security number), account number of his registration, current residence, email and / or homepage address, etc. Information and payment password for payment of goods / services. In addition, before entering the purchaser registration information, access to a predetermined homepage associated with the payment processing server 200 may be performed.

In addition, the payment password here, the payment can be made without the need for the registered buyer to enter the information of the complex payment method, such as credit card number or card expiration date, CVC number, etc. in order to pay for goods / services It can consist of any numbers you generate to make it work. The payment password may consist of, for example, an array of 4 to 6 digits. This payment password functions as a single payment approval key integrated for a plurality of payment means. Therefore, when generating the payment password, it is desirable to exclude a combination of consecutive numbers, easy number arrangement, and numbers associated with the buyer's personal information.

If the payment password is used as one integrated payment approval key, stronger security is required. To this end, the registration, input request, and input of the payment password are performed using a two-channel method as described in detail below, thereby preventing hacking concerns from others.

Further, here, the registration of the payment password may be performed after the purchaser registration information and the registration information of the plurality of payment means described below are input, that is, after the purchaser is registered.

In addition, the payment processing server 200 is a financial institution account number, bank account number, card number, card expiration date, CVC number, gift certificate of the unregistered buyer name received through the mobile terminal 10, etc. in the input method selected by the buyer Receive registration information of a plurality of payment means including a number, a membership point number, and the like.

Here, the plurality of payment means is a concept that includes at least one or more of the account of the financial institution, debit card, credit card, check card, electronic money, membership points, gift certificates, coupons and mobile terminals, in addition to various payment means It may further include.

In addition, in relation to the input method selected by the purchaser, for example, when information is input by the ARS input method, the purchaser 10 may use the voice guidance service through the ARS server 280 and the call service provider 320. Buyer registration information and payment method registration information may be input using a voice or key touch of the mobile terminal 10.

The input and set information as described above are all stored in the customer database server 250, and can be detected and transmitted at any time after the request of the payment processing server 200.

As such, when the above information is input for the purchaser registration, the payment processing server 200 requests the real name verification authority 310 to provide the purchaser registration information input by the unregistered buyer 10 to perform identity verification. The payment means registration information may be provided to the corresponding payment means institution 400 to request that the user authenticate and validate.

At this time, if the service of the input request is made based on the ARS, the ARS server 280 and the call service authority 310 is involved. In particular, the request for inputting the payment password is preferably made through the ARS server 280 and the call service agency 310 for security as mentioned above.

More specifically, the payment processing server 200 provides the buyer's name, carrier, social security number, mobile terminal number of the buyer's name, etc. to the real name verification authority 310 to confirm the buyer's real name and the mobile terminal number of the buyer's name. You can ask for confirmation.

In addition, the payment processing server 200 provides the purchaser's name entered by the buyer, the credit card number entered by the buyer, and the expiration date to the corresponding payment means institution 400, that is, the card company, to determine whether the card is owned by the buyer and whether it is valid. You can ask for confirmation. At this time, when the information input of the buyer is made based on the ARS as described above, the ARS server 280 and the call service agency 310 is involved.

When the identity verification and validation procedure is performed as described above, the real name verification authority 310 and the payment means authority 400 transmit the identity verification and validation results to the payment processing server 200, respectively.

Here, the above-mentioned identity verification and validity check may be performed only once at the time of registering the purchaser 10, for example, when the purchaser changes the mobile terminal number or registers a new credit card. It can also be performed every time it changes.

The payment processing server 200 provides the customer database server 250 with the purchaser registration information and the payment method registration information that have been verified and validated. Then, the customer database server 250 encrypts and stores the received information through an encryption key. At this time, the encryption operation of the customer database server 250 may be performed by generating an encryption key using, for example, the HSM device, or only some information stored in the customer database server 250, for example, a payment password. Encryption may be performed.

In addition, the purchaser registration process and identity verification and validation procedure may be performed by executing a downloadable or downloadable application on the purchaser's mobile terminal.

The payment processing server 200 receives, from the merchant database server 260, merchant discount payment means information of the merchant providing the product / service. To this end, the payment processing server 200 receives the affiliated store identification number of the affiliated store through the IP device / merchant terminal 100, etc., and provides the merchant database server 260 with corresponding discount payment means information. You can check and detect if it is stored.

In addition, the payment processing server 200 matches the received merchant discount payment means information with a plurality of payment means previously stored in the customer database server 250 and at least one of the plurality of payment means stored in the customer database server 250. Choose the best payment method.

Here, the affiliated store that provides goods / services refers to an affiliated store identification number of the affiliated store provided from the mobile terminal 10 or the IP device / store terminal 100.

Here, the merchant discount payment means information, membership points associated with the merchant that provides the purchased goods / services, the account of the financial institution that the discount is applied, debit card, credit card, check card, electronic money, gift certificates Points to all the information related to the coupon, mobile terminal and the like. Since the merchant discount payment means information may vary for each merchant, the merchant database server 260 may store the merchant identification information and the discount payment means as a pair of indexes.

For example, assuming that a 10% discount on product / service payments is applied when A membership points are used at Merchant A, A Membership Point becomes the discount payment method for A Merchant Point, and the card number and card expiration date of A Membership Point. Information such as the information becomes the merchant discount payment means information. In addition, in the member B store, the credit card B, not the membership point A, may be a discount payment means.

To this end, the merchant database server 260 interworks with the payment processing server 200 through a network or the like, and stores in advance merchant information and merchant discount payment means information of at least one merchant that provides goods / services.

Here, the affiliated store identification information is information consisting of numbers, symbols, letters, etc. in order to identify the affiliated store. Generally, the affiliated store identification information may be composed of a unique identification number, but in the case of an affiliate store that includes a plurality of chain stores, the same as the plurality of chain stores. An identification number may be assigned. For example, the merchant identification information may be a web address operated by a seller (eg, an internet shopping mall or a paid content provider) selling goods / services on-line or an identification number such as a POS terminal in an offline manner. .

In addition, here means matching the merchant discount payment means information with a plurality of previously stored payment means means that the payment means matching the merchant discount payment means of the merchant detected and received from the merchant database server 260 is the customer database server ( It means to compare and determine whether or not already stored in 250).

Accordingly, the optimal payment means refers to a payment method that matches the payment means previously stored in the customer database server 250 among the affiliated store discount payment means of the affiliated store detected and received from the affiliate database server 260. In this case, when there are a plurality of optimal payment means, the payment means for reducing the amount of payment for the purchased goods / services is determined as the optimal payment means.

For example, the merchant discount payment means of the merchant detected from the merchant database server 260 is A card, B card, C card, the payment means previously stored in the customer database server 250 is B card, C card, D In the case of a card or the like, the optimum payment means may be a B card or a C card. At this time, if the B card 5% discount of the product / service payment amount is applied and the C card 10% discount of the product / service payment amount is applied, the optimal payment method is determined as C card.

As such, when the payment processing server 200 automatically selects and manages the optimal payment method of the affiliated store, the buyer further finds a payment method that can be discounted by itself in order to minimize the payment amount of the goods / services purchased by the buyer, Since there is no need to present multiple cards or to execute the corresponding application (the application downloaded to the mobile terminal) a plurality of times, the convenience and benefit of the buyer are all increased.

At this time, if there is no merchant discount payment means of the merchant among the payment means pre-stored in the customer database server 250, the payment processing server 200 may notify the buyer's mobile terminal 100 of this.

In addition, according to an embodiment of the present invention, the purchaser may select which payment method to pay for the goods / services from among the optimal payment means and the set main payment means. The optimal payment means may vary from affiliate to merchant, and in some cases, the optimal payment means and the primary payment means may coincide.

In detail, in the process of registering a buyer, the payment processing server 200 may set at least one main payment means among a plurality of payment means stored in the customer database server 250 through a buyer input.

Here, the main payment means refers to a payment method that is applied as a priority to pay for the goods / services purchased by the registered buyer (10). That is, the payment processing server 200 may set the main payment means so that the payment method desired by the buyer is automatically selected from the plurality of payment means according to the taste of the buyer to pay the payment price of the goods / services.

In addition, the payment processing server 200, through the purchaser input, the optimum payment means mode for making the above described optimal payment means as the payment means for the purchased goods / services and the purchased goods / the primary payment means It is possible to select and execute any one of the main payment means mode for the payment method of the service.

The selection of the payment method mode may be made in the purchaser registration process or may be performed in a separate process by accessing the payment processing server 200 after registration.

When the optimal payment means mode is selected as the payment means mode, the payment processing server 200 is a discount payment means information of the merchant and at least one of the purchaser's mobile terminal 10 and the IP device / merchant terminal 100 and the buyer A list of a plurality of payment means may be displayed respectively. At this time, the method of displaying the list on the IP device / merchant terminal 100 or the mobile terminal 10 of the buyer is not limited, and the buyer may directly select a related UI (User Interface) through the buyer input.

On the other hand, the payment processing server 200 may be provided with the merchant identification information from the IP device / merchant terminal 100 in order to select the optimal payment means corresponding to each merchant. Then, the payment processing server 200 is provided The affiliated store identification information is provided to the affiliated store database server 260 to receive the affiliated store discount payment means corresponding thereto.

On the other hand, when the main payment means mode is selected as the payment means mode, the payment processing server 200 performs the payment processing of goods / services purchased with the predetermined main payment means. At this time, if it is not enough to pay for the goods / services purchased by the main payment means may settle the insufficient payment amount according to the predetermined payment method priority.

In addition, there may be a case where the point payment means is included in the selected payment means mode (optimal payment means mode or main payment means mode). In such a case, the payment processing server 200 performs the above-described process in conjunction with the point integrated management server 500.

In detail, the payment processing server 200 receives the point information of the membership point associated with the affiliate store providing the product / service among the at least one membership point subscribed to by the buyer from the point integrated management server 500. In this way, the point information corresponding to the payment price of the product / service purchased by the purchaser is subtracted from the received point information. Then, the payment processing server 200 transmits the deducted points and the remaining points to the point integrated management server 500 and the purchaser's mobile terminal 10.

Hereinafter, the process of approving the payment for the goods / services purchased by the buyer according to the selected payment method mode will be described in detail.

1, the payment processing server 200 provides the mobile terminal number received from the registered buyer to the ARS server 280, and the ARS server 280 provides the buyer through the call service provider 320. Call the registered mobile terminal of the to perform the voice guidance service through the ARS communication channel. Then, the payment processing server 200 receives the payment password that the ARS server 280 received from the buyer through the call service provider 320.

That is, the call of the mobile terminal and the request for input of the payment password are made by the ARS server 280 and the call service provider 320, and the actual authentication for the payment password received from the buyer is encrypted by the customer database server 250. And by the payment processing server 200.

The payment processing server 200 inquires whether the received payment password matches the payment password registered in the customer database server 250. In this case, the payment password registered in the customer database server 250 may be encrypted through, for example, the HSM device, and the received payment password may also be encrypted through the HSM device to compare the two.

As a result of searching the customer database server 250, if the received payment password and the stored payment password match, the payment processing server 200 requests a transaction approval from the payment means institution 400 corresponding to the selected optimal payment method. On the other hand, if the main payment means mode is selected from the optimum payment means mode and the main payment means mode through the buyer input, the payment processing server 200 grants a transaction approval to the payment means institution 400 corresponding to the set main payment means. request.

If the received payment password and the stored payment password do not match as a result of searching the customer database server 250, the payment processing server 200 stops the payment of the goods / service payment or the ARS server 280 of the buyer. By providing the mobile terminal number again, the voice guidance service through the call service provider 320 may be provided again to request re-entering of the payment password.

As such, when the payment processing by the payment means institution 400 is completed according to the transaction approval request, the payment processing server 200 sends the payment completion information for the goods / service to the registered mobile terminal of the buyer. Foretell by providing in the form of SMS.

As described above, according to the embodiments of the present invention, when the purchase of goods / services, the optimum payment means and discount means are automatically applied for each merchant, so that the buyer can quickly pay with the optimal payment, and purchase goods / services As a payment method for the merchant, the buyer can select whether to apply the optimal payment method and discount method or the predetermined main payment method for each merchant, thereby providing convenience to the buyer and maximizing profit.

Hereinafter, referring to FIG. 2, a method for payment of goods / services based on ARS authentication using various payment methods when a buyer is a registered buyer will be described. 2 is a flowchart illustrating an ARS authentication based product / service payment method using various payment methods when confirming a purchaser registration according to an embodiment of the present invention.

Referring to FIG. 2, first, the payment processing server 200 receives a mobile terminal number input by a purchaser 10 of a product / service through an IP device / merchant terminal 100, and pays for a product / service purchased. You are asked to process the payment.

Then, the payment processing server 200 checks whether the buyer is registered using the mobile terminal number input by the buyer. Specifically, the payment processing server 200 provides the inputted mobile terminal number to the customer database server 250 to inquire whether it is a previously stored mobile terminal number, that is, whether the buyer is a registered buyer, and the result is the payment processing server ( 200).

If it is confirmed that the purchaser is registered, the payment processing server 200 receives affiliated store identification information from the IP device / affiliated terminal 100. Here, the affiliated store identification information is information consisting of numbers, symbols, letters, etc. for identifying the affiliated store. Generally, the affiliated store identification information may be formed of a unique identification number, but in the case of an affiliate store that includes a plurality of chain stores, the affiliated store stores the same information as the plurality of chain stores. An identification number may be assigned.

The payment processing server 200 provides the affiliated store identification information provided to the affiliated store database server 260 to inquire whether there is a matching affiliated store identification information. When matched merchant identification information is inquired, the merchant database server 260 detects previously stored merchant discount payment means information corresponding to the received merchant identification information and provides the same to the payment processing server 200.

Here, the affiliated store database 260 interworks with the payment processing server 200 and stores the affiliated store identification information and the affiliated store discount payment means information of the affiliated store providing the goods / service in advance. That is, in the embodiments of the present invention, merchants that provide goods / services may be registered in advance by providing merchant identification information and merchant discount payment means information in the merchant database 260, and the stored merchant discount payment means information is changed. Can be updated automatically or through the input of an authorized person.

On the other hand, if the merchant identification information provided from the IP device / merchant terminal 100 is not in the merchant database server 260, the payment processing server 200 it is the buyer's mobile terminal 10 or the seller's IP device / merchant terminal 100 may be notified. In this case, the payment processing server 200 allows the payment of goods / services purchased by the predetermined main payment means or other payment means described below.

In addition, the payment processing server 200 detects and receives a plurality of previously stored payment means information from the customer database server 250. The pre-stored plurality of payment means refers to a payment method entered by the buyer at the time of registration of the buyer among all payment methods available for payment of goods / services purchased by the buyer on-line or off-line.

Then, the payment processing server 200 matches the pre-stored payment means received from the customer database server 250 and the pre-stored merchant discount payment means information received from the merchant database 260, at least one optimal Determine the payment method.

Herein, the meaning of matching the merchant discount payment means information with a plurality of previously stored payment means means that the payment means matching the merchant discount payment means of the corresponding merchant detected and received from the merchant database server 260 is the customer database server 250. It means to compare and determine whether or not already stored in.

As a result of the matching, payment methods that match each other are determined to be optimal payment methods of goods / services purchased by the buyer. That is, the optimal payment means refers to a payment means that matches the payment means previously stored in the customer database server 250 among the affiliated store discount payment means of the affiliated store detected and received from the affiliate database server 260. To this end, the affiliate store database server 260 stores the affiliate store identification information and the optimum payment means corresponding to each store in advance.

In this case, when there are a plurality of matching payment means, the payment processing server 200 determines the payment means for maximally reducing the payment amount of the purchased goods / services as the optimal payment means. For example, if there are A card and B card that match the matching result, if the discount rate of A card is 5% and the discount rate of B card is 10%, B card is the best payment method.

On the other hand, if there are a plurality of payment means that match, and the discount is duplicated, the payment processing server 200 determines all of the plurality of payment means as optimal payment means. For example, if the matching means of payment is A card and B membership card, the discount rate of A card is 5%, the points of B membership card can be used 10% of the payment amount, and A card and B membership card If it is possible to apply a duplicate of the A card and B membership card may be the best payment method.

The optimal payment means previously stored in the merchant database server 260 may be changed at any time by a seller or an authorized person of a product / service. In addition, the pre-stored optimal payment means may be applied differently according to a specific person (for example, VIP customer), may vary according to a specific day or a specific period, and all of these items are also stored in the merchant database server 260. do.

Meanwhile, in another embodiment, when the buyer does not want to pay for the goods / services by the optimal payment method, it is possible to select and change the payment method so that the payment can be made by the payment method selected by the buyer or the pre-stored main payment method. Do. Such selection may be pre-stored in the customer database server 250 at the time of purchaser registration, or may be made through input using the mobile terminal 10 or the IP device / merchant terminal 100 according to the purchaser's intention at the time of payment of goods / services. have.

When the payment method is selected as described above, the payment processing server 200 provides the registered buyer's mobile terminal number to the ARS server 280.

Then, the ARS server 280 executes the voice guidance service to the registered mobile terminal of the buyer through the call service provider 320 to request the payment password through the ARS communication channel, and the buyer inputs the voice based on the ARS. Or enter the payment password through key input.

As described above, the embodiments according to the present invention ensure that the input of the payment password for the payment authentication is made through the wireless voice call channel, so that the convenience of use and the prevention of hacking are satisfied at the same time.

That is, once the buyer is registered in the customer database server 250 connected to the payment processing server 200, any one payment method is selected for the payment processing for the product / service purchase thereafter, a single integrated payment password is provided. Since payment can be processed by simply inputting, it provides convenience to the buyer, and at the same time, it is possible to prevent such hacking by implementing such payment password input through a wireless voice call channel based on ARS. That is, in the case of purchasing a product / service on the online / offline, the payment request and the payment request processing of the buyer are performed by a two-channel method using an internet network channel and a voice call channel, respectively, thereby providing improved security.

Then, the payment processing server 200 receives the payment password received from the buyer ARS server 280 according to the voice guidance service of the call service provider 320, the payment processing server 200 receives the received payment password It provides to request the purchaser's registered payment password, that is, whether it matches the payment password stored in the customer database server 250.

As a result of the inquiry, if the payment password inputted from the buyer matches the registered payment password, the payment processing server 200 requests the corresponding payment means institution 400 to approve payment of goods / services with the selected optimal payment method.

According to such embodiments, since the optimal payment means and discount means are automatically applied to each merchant when purchasing goods / services, the payment is processed, and thus, optimal payment is not required without presenting a plurality of discountable payment methods or executing related applications several times. You will be able to make payments quickly.

Hereinafter, referring to FIG. 3, a method of payment for goods / services based on ARS authentication using various payment methods when the buyer is an unregistered buyer will be described. 3 is a flowchart illustrating an ARS authentication based product / service payment method using various payment means when a buyer is not registered according to an embodiment of the present invention.

Referring to FIG. 3, first, the payment processing server 200 receives a mobile terminal number input by a purchaser 10 of a product / service through an IP device / merchant terminal 100, and pays for a product / service purchased. You are asked to process the payment.

Then, the payment processing server 200 checks whether the buyer is registered using the mobile terminal number input by the buyer. Specifically, the payment processing server 200 provides the inputted mobile terminal number to the customer database server 250 to inquire whether it is a previously stored mobile terminal number, that is, whether the buyer is a registered buyer, and the result is the payment processing server ( 200).

If it is confirmed that the buyer is not registered, the payment processing server 200 registers the buyer according to the procedure described below.

The payment processing server 200 requests the purchaser 10 to input buyer registration information including a payment password and payment method registration information of at least one payment method. The user interface for inputting information may be output to the display unit (not shown) of the purchaser's mobile terminal or the connected IP device or may be output in a voice guidance format.

Here, the payment password is generated by the buyer in combination with a random number, for example, it may be made of an array of 4 to 6 digits. When generating the payment password, it is preferable to implement the combination of the numbers associated with the consecutive numbers, easy number arrangement, the buyer's personal information. In this case, for security purposes, the ARS server 280 calls the purchaser's mobile terminal through the call service provider 320 so that the payment password is input according to the voice guidance service using the ARS wireless voice channel. This would be desirable.

In addition, the purchaser registration information includes a buyer's personal information such as a buyer's name, social security number, current residence, e-mail and / or homepage address, and a payment password for payment of goods / services.

In addition, at least one payment method is a payment method that the buyer possesses or registers among all payment methods available for payment of goods / services purchased by the buyer on-line or off-line. , Financial institution accounts, debit cards, check cards, credit cards, mobile terminals, gift certificates, coupons, and other means of payment using social payment services.

In addition, the payment means registration information means information required for the buyer to use the payment method, such as financial institution account number, card number, card expiration date, mobile phone number, gift certificate number, coupon number, etc. .

On the other hand, the buyer can select the input method of the above information. For example, the purchaser may select an input method selected according to the buyer's convenience from among various input methods such as a key input method using an IP device connected through an internet network, a key input using a mobile terminal, or a voice input method. For example, a buyer may enter the information by accessing the Internet network through a personal PC, enter the information through an ARS service using a wired or wireless network, or by calling the service provider directly. Alternatively, information may be entered by calling a call back message sent from a service provider.

If the buyer wants to input the information by the ARS-based input method, the payment processing server 200 provides the buyer's mobile terminal number to the ARS server 280 to provide the buyer with the call service provider 320. Call the mobile terminal or request the buyer to call back via SMS message. Then, the ARS server 280 calls the purchaser's mobile terminal through the call service provider 320 and requests the buyer registration information and the payment means registration information to be input through the voice guidance service.

When all the information is input in this way, the payment processing server 200 is the real name verification authority 310 and / or payment means authority 400 corresponding to the payment means registration information (for example, credit card number and validity) When entering the institution, the card company becomes the payment institution.

In addition, the input of such information may be performed by executing an application downloaded or downloadable to the mobile terminal 100.

On the other hand, after or after the buyer enters the purchaser registration information and payment method registration information, the payment processing server 200 is applied to each affiliated store in conjunction with the affiliated store database server 260 as described above. It is possible to choose whether to pay for the goods / services as the optimal payment means determined according to the discount payment means information available, or to pay for the goods / services by the main payment means or other payment means selected by the buyer.

To this end, the payment processing server 200 first requests to set a main payment means among a plurality of payment means stored in the customer database server 250 according to the buyer request or automatically, and the input method desired by the buyer (eg, a mobile terminal). When the main payment means is input through the ARS-based input method), the payment processing server 200 may set the main payment means by requesting it to be reflected in the customer database server 250. In addition, the payment processing server 200 may request to automatically set a payment priority for each of a plurality of payment methods.

If there is no other setting, the payment processing server 200 determines the optimal payment method determined as the payment method according to the discount payment means information of the merchant providing the purchased goods / services. In addition, the payment processing server 200 may provide a user interface for selecting a payment method mode to the purchaser's mobile terminal 10 or the IP device / merchant terminal 100 when the product / service is paid for.

As such, when the information is input and the real name confirmation authority 310 and the corresponding payment means authority 400 are notified that authentication and validation have been performed, the payment processing server 200 sends the customer registration information to the customer database server 250. And the payment method registration information. In addition, the customer database server 250 further stores information about the set main payment means and the selected payment method mode.

As described above, embodiments according to the present invention by implementing the buyer can choose whether to apply the optimal payment means and discount means or a predetermined main payment means for each merchant as a payment means for the purchased goods / services Provide convenience to the buyer.

Hereinafter, referring to FIGS. 1 and 4, when a membership point associated with an affiliate store is registered in previously stored payment method registration information, a process of processing the same as a payment method and / or an earning means will be described. 4 is an exemplary flowchart illustrating a process in which membership points associated with an affiliate store are used as one of a payment means and an earning means according to an embodiment of the present invention.

Referring to FIG. 4, first, the payment processing server 200 receives point information of membership points associated with an affiliate store from the point integrated management server 500 (see FIG. 1) (S410).

Here, in conjunction with the point integrated management server 260 payment processing server 200, integrated management of the point information of at least one membership point subscribed to the buyer.

In this case, the payment processing server 200 may inquire whether there is a setting of the membership point in the payment means registration information previously stored in the customer database server 200. On the other hand, if the membership point is not registered, the payment processing server 200 notifies the display unit (not shown) of the purchaser's mobile terminal or IP device whether to register and / or accumulate the membership point (S55). ). Alternatively, the voice guidance service through the ARS server may inform whether to register and / or accumulate membership points.

In addition, the customer database server 200 is interlocked with the point integrated management server 260 to receive the point information of at least one membership point subscribed to by the buyer through user input or automatically at the request of the payment processing server 200. can do.

The payment processing server 200 determines whether the point payment means is included in the selected optimal payment means or the selected payment means mode (eg, the main payment means mode) (S420).

As a result of determination, when the point payment means is included, the payment processing server 200 subtracts points corresponding to the payment price of the purchased product / service from the received point information (S430). In this case, if only a part of the payment price (eg, up to 10% of the payment price) is limited to the point payment according to the affiliated store, the payment processing server 200 may deduct only a part of the payment price to the point.

Then, the payment processing server 200 transmits the deducted point and the remaining points to the point integrated management server 500, and transmits the processing result to the buyer's mobile terminal 10 in the form of an SMS message, for example. give.

In addition, in this embodiment, the point integrated management server 500 has been described as an embodiment in a separate configuration, in another embodiment the point integrated management server 500 may be implemented in a DB form in the payment processing server 200. It may be included in the DB form in the customer database server 200.

On the other hand, when the determination result in step (S420), if the point is not included in the payment means, the payment processing server 200 adds the points corresponding to the purchased goods / services (S460), the sum of the points The point is transmitted to the integrated management server 500 (S470). The payment processing server 200 transmits the processing result to the purchaser's mobile terminal 10, for example, in the form of an SMS message.

In this way, the payment processing server 200 according to the embodiment of the present invention can be easily performed in conjunction with the point integrated management server 500 as a payment means or earning means.

Meanwhile, the payment processing process according to the embodiment of the present invention described above is performed in the existing mobile terminal or the IP device without changing the settings of the mobile terminal of the purchaser, adding a separate device, or installing or downloading a separate program. Can be However, the present invention is not necessarily limited thereto, and in another embodiment, a payment processing program, for example, an application, which performs the above-described steps, is downloaded to a memory connected to an input means selected by a purchaser, for example, an IP device or a mobile terminal. In addition, it may be implemented by executing a built-in, downloaded or embedded payment processing program to handle payment for goods / services.

As described above, according to the ARS authentication-based payment system and payment method using a variety of payment means according to the embodiments of the present invention, so that the optimal payment means and discount means are automatically applied for each merchant when purchasing goods / services By allowing buyers to make a quick payment with the best payment price, the buyer can choose whether to apply the best payment method and discount method or pre-set main payment method for each merchant as a payment method for goods / services. Provide convenience to the buyer. In addition, when purchasing a product / service, the payment processing can be easily performed by simply inputting a predetermined payment password through the mobile terminal possessed by the buyer, thereby minimizing the purchaser input for the payment. By using the two-channel authentication method for the authentication of the payment password, it provides more security and can be applied regardless of the type of the mobile terminal of the purchaser or the type of communication network used, and an additional device to the existing mobile terminal for payment processing. I do not need to install the feature separately.

Furthermore, it will be understood by those skilled in the art that the present invention may be implemented in other specific forms without changing the technical spirit or essential features of the present invention. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not limiting. The scope of the present invention is defined by the appended claims rather than the foregoing detailed description, and all changes or modifications derived from the meaning and scope of the claims and the equivalents thereof are included in the scope of the present invention Should be interpreted.

100-IP Device / Merchant Terminal 200-Payment Processing Server
250-Customer Database Server 260-Merchant Database Server
280-ARS Server 310-Real Name Resolution Authority
320-call service provider 400-payment instrument
500-point integrated management server

Claims (18)

When a purchaser who purchases a product / service enters his or her mobile terminal number into an IP device or a merchant terminal, the IP device or merchant terminal requests a payment request for the received purchaser's mobile terminal number and the purchased product / service. Transmitting to a payment processing server;
Requesting that the payment processing server provide the received mobile terminal number to a customer database server to confirm whether the buyer is a registered buyer;
In the case of an unregistered buyer, the payment processing server is provided with the purchaser registration information and the payment means registration information corresponding to the plurality of payment means, using a mobile terminal, and with one integrated payment approval key for the plurality of payment means. Receive payment password using ARS wireless voice channel,
Provide the buyer registration information and payment method registration information provided to the real name verification institution and payment means institution to verify identity verification and validity,
When the identity verification and validation is made, the buyer registration information and the payment method registration information is stored in the customer database server together with the payment password,
A merchant that sets a main payment means among the plurality of payment means and sets the main payment means as a payment means of the purchased goods / services through a buyer input and a merchant that sells the goods / services. Setting the payment means mode of any one of the optimal payment means modes for making the optimal payment means determined based on the merchant discount payment means information as the payment means for the purchased goods / services;
Storing the setting information of the main payment means and the setting information of the payment means mode in the customer database server;
In the case of a registered purchaser, when the payment request is received, the payment processing server receives affiliated store identification information from the IP device or the affiliated store terminal and provides it to an affiliated store database server;
Detecting, by the affiliate store database server, information on discount payment means of pre-stored affiliate stores corresponding to the provided affiliate store identification information and transmitting the information to the payment processing server;
If the predetermined payment means mode is the main payment means mode, the payment processing server selects the predetermined main payment means as the payment means, but if the predetermined main payment means is not enough to process the payment, the priority of the preset payment means Selecting a plurality of payment means to process insufficient payment according to the ranking;
If the preset payment means mode is the optimal payment means mode, the payment processing server matches the merchant discount payment means information received from the merchant database server with a plurality of previously stored payment means of the buyer and the payment means matching the optimal means. Selecting one or a plurality of payment means for maximally reducing the payment amount if there are a plurality of selected optimal payment means;
If there is no optimal payment means or main payment means selected, the payment processing server notifying the purchaser's mobile terminal;
If there is a selected optimal payment means or primary payment means, the payment processing server provides the received mobile terminal number to an ARS server, and the ARS server calls the registered mobile terminal of the buyer through a call service provider to voice Executing a guide service and requesting input of a payment password through an ARS communication channel;
If the buyer does not want to make a payment in the preset payment means mode, changing the final selection to a payment means corresponding to another payment means mode through an input to the mobile terminal;
When a payment password is input in response to the request, the payment processing server receives the payment password received through the ARS communication channel and provides the received payment password to the customer database server to store the received payment password in advance. Requesting confirmation that the payment password matches; and
Approving the payment with the selected at least one payment means when the received payment password matches the previously stored payment password; ARS authentication-based goods / services payment using various payment means Payment Method. delete The method of claim 1,
If the set payment mode is the optimal payment method mode,
Displaying, by the payment processing server, at least one of the IP device or the merchant terminal and the purchaser's mobile terminal, the discount payment means information of the merchant and the list of the plurality of stored payment means of the buyer; ARS authentication-based payment method for goods / services using a variety of payment methods characterized by. The method of claim 1,
When the point payment method is included in the selected payment method mode,
Receive point information of the membership point associated with the affiliated store among the at least one membership point subscribed to by the buyer from the point integrated management server linked with the payment processing server, and the payment price of the purchased product / service based on the received point information ARS authentication-based goods using a variety of payment means comprising the step of subtracting as many points corresponding to, and transmitting the subtracted points and remaining points to the point integrated management server and the mobile terminal of the buyer. How to pay for your service. delete The method of claim 1,
ARS authentication using a variety of payment means further comprises the step of storing in advance the merchant identification information and merchant discount payment means information of the merchant providing the product / service to the merchant database server interworking with the payment processing server. How to pay for goods / services based. The method of claim 1,
Receiving point information of membership points associated with the affiliated store among at least one membership point subscribed to by the purchaser from a point integrated management server linked with the payment processing server;
Summing points corresponding to the purchased goods / services to the received point information and transmitting them to the point integrated management server; And
ARS authentication-based payment method for goods / services using a variety of payment means, characterized in that it further comprises the step of transmitting the sum of the points and the points earned to the purchaser's mobile terminal. The method of claim 1,
The plurality of payment means includes at least one or more of a payment method using an account, a debit card, a credit card, a check card, an electronic money, a membership point, a gift certificate, a coupon, a mobile terminal, and a social payment service of a financial institution. Payment method for goods / services based on ARS authentication using various payment methods. The method of claim 1,
After approving the payment,
And providing payment completion information for the goods / services to the registered mobile terminal of the buyer. delete A payment processing server for performing an approval procedure for payment of the goods / services purchased by the buyer;
A real-name verification agency for performing an identity verification of an unregistered buyer who purchased the product / service and a call service provider for performing an ARS voice announcement service at the request of an ARS server;
A customer database server configured to encrypt and store buyer registration information of the buyer and payment means registration information corresponding to a plurality of payment means;
An affiliate store database server for storing affiliate store identification information and affiliate store discount payment means information of the affiliate store providing the product / service; And
At least one payment means institution performing identity verification and validity verification of the payment means registration information and providing a processing result to the payment processing server in response to an approval request of the payment processing server according to a request of the payment processing server; / RTI >
The payment processing server,
Receives a request for a mobile terminal number of a purchaser who purchased the product / service and a payment processing for the purchased product / service from an IP device or a merchant terminal,
Providing the received mobile terminal number to the customer database server to request confirmation that the buyer is a registered buyer;
When not registered, a mobile terminal is used to receive the purchaser registration information of the buyer and payment means registration information corresponding to a plurality of payment means, and use an ARS wireless voice channel as an integrated payment approval key for the payment means. Receive a payment password, and provide the buyer registration information and the payment means registration information provided to the real name verification authority and the payment means authority to request identity verification and validation, and if the identity verification and validation is made Providing the customer database server with the purchaser registration information and the payment method registration information encrypted with the payment password and storing the encrypted information;
Set the main payment means among the payment means, the main payment means mode for making the set main payment means as the payment means of the purchased goods / services and the merchant discount payment means information of the merchants selling the goods / services Set one of the payment means mode of the optimal payment means mode for making the optimal payment means determined based on the payment means of the purchased goods / services, the setting information of the main payment means and the setting of the payment means mode Further provide to said customer database server to store information,
In the case of a registered purchaser, when the payment request is received, merchant ID information is received from the IP device or merchant terminal and provided to the affiliate database server, and the prestored merchant corresponding to the affiliate store identification information from the affiliate database server. Receive information on the means of payment
If the preset payment method mode is the main payment method mode, select the predetermined main payment method, but if the predetermined main payment method is not enough to process the payment, insufficient payment is made according to the priority of the preset payment method. Select multiple payment methods to process,
If the preset payment means mode is the optimal payment means mode, matching the merchant discount payment means information received from the merchant database server with a plurality of previously stored payment means of the buyer to select a matching payment means as the optimal payment means, If you have multiple optimal payment methods, select one or more payment methods that will reduce your payment to the maximum.
If there is no optimal payment method or main payment method selected, the buyer's mobile terminal is notified.
If there is a selected optimal payment means or primary payment means, provide the purchaser's mobile terminal number to the ARS server, request that the ARS server call the purchaser's registered mobile terminal through the call service provider, and ARS Request the purchaser to enter the payment password through the voice guidance service using the communication channel,
If the buyer does not want to make a payment by the preset payment method mode, the final selection is changed to a payment method corresponding to another payment method mode through input to the mobile terminal,
When a payment password is input in response to the request, the payment password received through the ARS communication channel is received and the received payment password is provided to the customer database server to determine whether the received payment password matches a previously stored payment password. Ask for confirmation,
When the received payment password matches the previously stored payment password, ARS authentication-based goods / service payment system using a variety of payment means characterized in that for requesting to approve the payment to the at least one selected payment means. delete 12. The method of claim 11,
If the set payment mode is the optimal payment method mode,
The payment processing server,
Based on the ARS authentication using a variety of payment means characterized in that to provide at least one of the IP device or the merchant terminal and the buyer's mobile terminal information of the discount payment means of the merchant and the stored plurality of payment means of the buyer Payment system for goods / services. 12. The method of claim 11,
ARS authentication-based goods / service payments using a variety of payment means further comprises a point integrated management server linked to the payment processing server, integrated management of the point information of at least one membership point subscribed to by the buyer Payment system. 15. The method of claim 14,
When the point payment method is included in the set payment mode,
The payment processing server,
Receives the point information of the membership point associated with the affiliated store among the at least one membership point subscribed to by the buyer from the point integrated management server, and the points corresponding to the payment price of the purchased goods / services from the received point information ARS authentication-based goods / service payment system using a variety of payment means, characterized in that for subtracting, and transmitting the subtracted point and the remaining point to the point integrated management server and the mobile terminal of the buyer. 15. The method of claim 14,
The payment processing server,
Receive point information of membership points associated with the affiliated store among at least one membership point subscribed to by the buyer from the point integrated management server,
Adding the points corresponding to the purchased goods / services to the received point information and transmitting the points to the integrated management server;
ARS authentication-based product / service payment system using a variety of payment means, characterized in that the completion of the accumulated points and points accumulated to the buyer's mobile terminal. 12. The method of claim 11,
The plurality of payment means includes at least one or more of a payment method using an account, a debit card, a credit card, a check card, an electronic money, a membership point, a gift certificate, a coupon, a mobile terminal, and a social payment service of a financial institution. ARS authentication-based product / service payment system using a variety of payment methods. 12. The method of claim 11,
The payment processing server, the ARS authentication-based goods / services payment system using a variety of payment means characterized in that for providing the payment completion information for the goods / services to the registered mobile terminal of the buyer.

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