KR101542474B1 - VoIP terminal having a function of credit card settlement, settlement processing system using a VoIP terminal and settlement processing method using a VoIP terminal - Google Patents

Abstract

The present invention relates to a VoIP terminal having a card payment function, a payment processing system using a VoIP terminal, and a payment processing method using a VoIP terminal. The ARS server transmits a payment request message including an application execution event code and a product code to VoIP The VoIP terminal detects an application execution event code included in the payment request message transmitted from the ARS server, executes the payment application, and transmits a payment corresponding to the product code included in the payment request message through the payment application Interface to the settlement agent server to perform settlement, thereby minimizing the user's manipulation during ARS order settlement for a product broadcast through a home shopping broadcast channel.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a VoIP terminal having a card payment function, a payment processing system using a VoIP terminal, and a settlement processing method using a VoIP terminal. }

The present invention relates to payment technology, and more particularly, to a VoIP terminal having a card payment function, a payment processing system using a VoIP terminal, and a payment processing method using a VoIP terminal.

Typically, the home shopping broadcast viewers call the ARS number displayed on the broadcast screen and order the goods. Then, the ARS server provides the billing announcement voice, and the user operates the telephone button according to the billing announcement voice to input the payment information such as the credit card number. In this case, since the customer has to directly input the payment information such as the credit card number, the user's operation is difficult, and there is a high possibility that an error due to erroneous operation occurs.

In order to solve such a problem, in Korean Patent Laid-Open No. 10-2008-0056141 (2008. 06. 20), credit card information is read through a telephone equipped with a card reader according to a billing announcement voice from an ARS server, Technology has been proposed. The inventor of the present invention has been studying a technique for performing an order settlement for a commodity broadcast on a home shopping broadcasting channel more conveniently based on this prior art.

Korean Patent Publication No. 10-2008-0056141 (2008. 06. 20)

The ARS server transmits a payment request message including an application execution event code and a product code to a VoIP terminal in response to a call reception from the VoIP terminal. Detects the application execution event code included in the transmitted payment request message, executes the payment application, requests the payment agent corresponding to the product code included in the payment request message through the payment application to the payment agent server, and performs payment A payment processing system using a VoIP terminal, and a payment processing method using a VoIP terminal, which can further improve user convenience.

According to an aspect of the present invention, there is provided a VoIP terminal having a card settlement function, the ARS transmitting an application execution event code and a payment request message including a product code according to reception of a call from a VoIP terminal, A message receiving unit for receiving a payment request message from a server; An event code detector for detecting an application execution event code included in the payment request message received by the message receiver; When the application execution event code is detected by the event code detection unit, executes a payment application and receives a payment interface corresponding to the product code included in the payment request message through the payment application from the payment agent server A settlement performing unit for performing the settlement processing; A card information processor for recognizing credit card information and providing the credit card information to the payment interface in response to a credit card information input request from the payment app; A user input information processing unit for receiving user input information and providing the user input information to the payment interface according to a request for inputting user input information from the payment app; And the like.

According to a further aspect of the present invention, there is provided a VoIP terminal having a card settlement function, A payment interface request unit for sending a product code to a payment agent server through a payment application executed by the application execution unit and requesting a payment interface corresponding to the product code; A billing interface provided from a payment agency server through a payment application, and a payment approval including a credit card information provided by the card information processing section and user input information provided by the user input information processing section through a payment interface A payment processing unit for transmitting the request information to the payment agent server; .

According to another aspect of the present invention, a settlement processing system using a VoIP terminal shares commodity information corresponding to a commodity code with a settlement proxy server, and includes an application execution event code and a commodity code according to receipt of a call from the VoIP terminal An ARS server for transmitting a payment request message; Receiving an application execution event code from the ARS server and a payment request message including a product code, executing a payment application in response to the detection of the application execution event code, A VoIP terminal for receiving a payment interface corresponding to the payment agent from the payment agent server and performing settlement; The billing interface requesting the billing interface request from the VoIP terminal, searching the goods information corresponding to the goods code included in the billing interface request from the VoIP terminal, providing a billing interface based on the retrieved goods information to the VoIP terminal, A payment agent server for receiving payment approval request information including credit card information and user input information and processing payment approval through the payment agent server; And the like.

According to a further aspect of the present invention, in response to a payment interface request from the VoIP terminal, the payment agent server obtains product information corresponding to the goods code transmitted from the VoIP terminal, A search unit; A billing interface providing unit configured to provide a billing interface corresponding to the product code based on the product information retrieved by the product information retrieving unit to the VoIP terminal; A payment approval request receiver for receiving payment approval request information including credit card information and user input information through a payment interface displayed through a payment application executed by the VoIP terminal; Transmits the payment approval request information including the credit card information and the user input information received by the payment approval request receiving unit to the card company server to request payment approval and receives the payment approval result from the card company server and transmits the payment approval request information to the VoIP terminal A payment approval processing unit; .

According to still another aspect of the present invention, a payment processing method using a VoIP terminal transmits an application execution event code and a settlement request message including a product code to the VoIP terminal according to receipt of a call from the VoIP terminal A message transmission step; A payment application execution step of receiving a payment request message from the ARS server and detecting an application execution event code from a payment request message and executing a payment application; A billing interface request step of requesting a payment interface corresponding to a product code by transmitting a product code included in a payment request message through a payment application to a payment agent server; A payment interface providing step of providing a payment interface corresponding to a product code to the VoIP terminal in response to a payment interface request from the VoIP terminal; A payment approval request step of transmitting payment approval request information including credit card information and user input information to a payment agent server through a payment interface displayed through a payment application by a VoIP terminal provided with a payment interface; In response to the payment approval request from the VoIP terminal, the payment proxy server transmits the payment approval request information including the credit card information and the user input information to the card company server to request payment approval, receives the payment approval result from the card company server, To the VoIP terminal; And the like.

In accordance with the present invention, upon receiving a call from a VoIP terminal, the ARS server transmits a payment request message including an application execution event code and a product code to the VoIP terminal, and the VoIP terminal transmits, Detects an app execution event code, executes a payment application, requests a payment interface corresponding to a product code included in a payment request message through a payment application, and performs payment to be broadcast on a home shopping broadcasting channel The user's operation can be minimized at the time of ARS order settlement for the product, so that the user convenience can be further improved.

1 is a system overview of a payment processing system using a VoIP terminal according to the present invention.
2 is a block diagram illustrating a hardware configuration of a VoIP terminal of a payment processing system using a VoIP terminal according to the present invention.
3 is a block diagram illustrating a configuration of a control unit of a VoIP terminal of a payment processing system using a VoIP terminal according to an embodiment of the present invention.
FIG. 4 is a block diagram illustrating a billing proxy server configuration of a payment processing system using a VoIP terminal according to an exemplary embodiment of the present invention. Referring to FIG.
5 is a flowchart illustrating a configuration of a payment processing method using a VoIP terminal according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

The terms used throughout the specification of the present invention have been defined in consideration of the functions of the embodiments of the present invention and can be sufficiently modified according to the intentions and customs of the user or operator. It should be based on the contents of.

1 is a system overview of a payment processing system using a VoIP terminal according to the present invention. 1, the payment processing system using the VoIP terminal according to the present invention includes a VoIP terminal 10, an ARS server 20, and a payment agent server 30.

The VoIP terminal 10 is connected to the Internet and converts an analog voice signal into digital voice data for transmission and reception. Voice over Internet Protocol (VoIP) uses IP, which is half of TCP / IP, and converts analog voice signals into digital voice data to be transmitted over the Internet, or conversely, digital voice data is received and converted into analog voice signals And enables voice communication through a data transmission method over the Internet. For example, the VoIP terminal 10 may be configured to transmit and receive digital voice data using SIP (Session Initiation Protocol).

At this time, the VoIP terminal 10 receives the application execution event code and the payment request message including the product code from the ARS server 20, executes the payment application according to the detection of the application execution event code, And receives the payment interface corresponding to the goods code included in the payment request message from the payment agent server 30 to perform settlement.

The ARS server 20 is connected to a telephone network (PSTN), and receives a call from the VoIP terminal 10 through a PSTN gateway. The ARS server 20 shares the goods information corresponding to the goods code with the settlement agency server 30 and transmits the payment request message including the goods code and the app execution event code according to the reception of the call from the VoIP terminal 10 send.

At this time, the settlement request message may be transmitted in the form of a short message (SMS) through the packet data service network (PDSN) of the mobile communication system. To this end, the ARS server 20 may have a function of automatically generating and sending a payment request message including a product code in the form of an SMS message.

The payment agent server 30 is connected to the VoIP terminal 10 via the Internet and searches the goods information corresponding to the goods code included in the payment interface request from the VoIP terminal 10, Provides payment interface to the VoIP terminal (10), receives payment approval request information including credit card information and user input information through a payment interface displayed through the payment application of the VoIP terminal (10) And requests the server 40 to process the payment approval. For example, the payment agent server 30 may be a VAN server.

2 is a block diagram illustrating a hardware configuration of a VoIP terminal of a payment processing system using a VoIP terminal according to the present invention. 2, the VoIP terminal 10 includes a control section 11, a voice processing section 12, an operation section 13, a display section 14, a handset 15, a communication processing section 16, A memory 17, and a card reader 18. [0030]

The control unit 11 controls the entire operation of the VoIP terminal 10. [ For example, the control unit 11 may be implemented as shown in FIG. This will be described in detail later.

The voice processing unit 12 converts an analog voice signal input by a user into a digital voice data or converts the received digital voice data into an analog voice signal.

The operation unit 13 is a means for receiving a user operation such as a key button or a touch pad.

The display unit 14 is a display means for displaying information such as an LED or an LCD.

The handset 15 is a means for inputting and outputting analog voice signals processed by the voice processing unit 12. [

The communication processing unit 16 is means for transmitting and receiving digital voice data processed by the voice processing unit 12, such as a modem, to the Internet.

The memory 17 is a means for storing information used in the VoIP terminal 10 such as an EEPROM.

The card reader 18 is a contact type or contactless card reading means for reading information from a credit card held by a user for credit card settlement.

3 is a block diagram illustrating a configuration of a control unit of a VoIP terminal of a payment processing system using a VoIP terminal according to an embodiment of the present invention. 3, the control unit 11 of the VoIP terminal 10 includes a message receiving unit 110, an event code detecting unit 120, a settlement performing unit 130, a card information processing unit 140, , And a user input information processing unit (150).

The message receiving unit 110 receives a payment request message from the ARS server 20, which transmits a payment request message including an application execution event code and a product code according to reception of a call from the VoIP terminal 10.

When a user viewing a home shopping channel of the TV wants to order an item, the user uses the VoIP terminal 10 to call the ARS telephone number provided by the home shopping channel.

Since the merchandise sold on the home shopping channel is unique in each broadcast time zone, the ARS phone number matches the unique merchandise code. The ARS server 20, which receives the call from the VoIP terminal 10, transmits an application execution event code and a settlement request message including the commodity code to the corresponding VoIP terminal 10.

For example, the payment request message may be transmitted in the form of a short message (SMS). In this case, the ARS server 20 should have a function of automatically creating and sending a short message.

Meanwhile, the application execution event code included in the payment request message is information for executing a payment application in the VoIP terminal 10, and the product code is transmitted from the VoIP terminal 10 to the payment agent server 30 as a payment interface Information for requesting.

The event code detection unit 120 detects an application execution event code included in the payment request message received by the message reception unit 110. That is, the event code detection unit 120 monitors in real time whether a message is received by the VoIP terminal 10, and when the message is received, detects whether the message includes an application execution event code.

The event code detection unit 120 determines that the message is a payment request message for ordering an item to be broadcast on a home shopping channel when the message includes an application execution event code. If the message is not included, the event code detection unit 120 determines that the message is a general message.

When the event code detection unit 120 detects an application execution event code, the payment execution unit 130 executes the payment application, and responds to the goods code included in the payment request message through the payment application And receives the payment interface from the payment proxy server 30 to perform settlement.

For example, the payment interface provided from the payment agent server 30 may include a portion into which credit card information held by a user who orders a product is input, and a portion into which user input information such as an order quantity and a credit card password is input have. At this time, the credit card information is provided through the card information processing unit 140, which will be described later, and the user input information is provided through the user input information processing unit 150 described later.

For example, an application execution unit 131 that executes the payment application by the payment execution unit 130 and a product code to the payment agent server 30 through the payment application executed by the application execution unit 131 A billing interface requesting unit 132 for requesting a billing interface corresponding to the goods code transmitted from the billing agent server 30 and a billing interface provided from the billing agency server 30 through a payment application, And a payment processing unit 133 for transmitting payment approval request information including credit card information provided by the user input information processing unit 140 and user input information provided by the user input information processing unit 150 to the payment agent server 30 can do.

The card information processing unit 140 recognizes credit card information through the card reader 18 in response to a credit card information input request from the payment app, and provides the credit card information to the payment interface. For example, the credit card information may be a credit card number.

The user input information processing unit 150 receives user input information through the operation unit 13 and provides the user input information to the payment interface according to a request for inputting user input information from the payment application. For example, the user input information may be an order quantity, a credit card password, and the like.

Thus, according to the present invention, upon reception of a call from the VoIP terminal, the ARS server transmits a payment request message including an application execution event code and a product code to the VoIP terminal, and the VoIP terminal transmits And executes a payment application by requesting a payment interface corresponding to the goods code included in the payment request message through the payment application to the payment agent server to perform settlement The user operation can be minimized at the time of ARS order settlement for the goods broadcasted through the home shopping broadcasting channel, so that the user convenience can be further improved.

FIG. 4 is a block diagram illustrating a billing proxy server configuration of a payment processing system using a VoIP terminal according to an exemplary embodiment of the present invention. Referring to FIG. 4, the payment agent server 30 includes a goods information searching unit 310, a payment interface providing unit 320, a payment approval request receiving unit 330, and a payment approval processing unit 340 can do.

The product information searching unit 310 searches the product information corresponding to the goods code transmitted from the VoIP terminal 10 in accordance with a payment interface request from the VoIP terminal 10 from a database shared with the ARS server 20 Search.

In order to provide a billing interface corresponding to a specific commodity code broadcast on the home shopping channel of the TV and provide it to the VoIP terminal 10, the payment agency server 30 transmits a product corresponding to the commodity code in advance to the ARS server 20 Information should be shared in a database.

When the settlement agent server 30 receives the payment interface request including the goods code from the VoIP terminal 10, the payment agent server 30 receives the goods code from the database shared with the ARS server 20 through the goods information searching unit 310 And retrieves corresponding product information.

The payment interface providing unit 320 forms a payment interface corresponding to the goods code based on the goods information searched by the goods information searching unit 310 and provides the payment interface to the VoIP terminal 10. Since the retrieved product information includes information such as the price of the corresponding product, the payment interface providing unit 320 can configure a payment interface corresponding to the product code based on the information.

The payment approval request receiving unit 330 receives payment approval request information including credit card information and user input information through a payment interface displayed through a payment application executed by the VoIP terminal 10.

The VoIP terminal 10 receiving the payment interface corresponding to the specific commodity code from the payment agent server 30 displays the payment interface via the payment application and displays the payment interface such as credit card information such as the credit card number, And transmits the payment approval request information including the credit card information and the user input information to the payment agent server 30 through the payment interface. Then, the payment proxy server 30 receives the payment approval request information including the credit card information and the user input information through the payment approval request receiving unit 330.

The payment approval processing unit 340 transmits the payment approval request information including the credit card information and the user input information received by the payment approval request receiving unit 330 to the credit card company server 40, Receives the payment approval result from the card issuer server (40), and transmits the payment approval result to the VoIP terminal (10).

The credit card company server 40 that has received the credit card information and the payment approval request information including the user input information from the payment agent server 30 determines whether or not to approve the requested payment and sends the payment approval result to the payment agent server 30). Then, the settlement proxy server 30 transmits the settlement approval result received from the card issuer server 40 to the VoIP terminal 10, whereby an order settlement is made for the commodity broadcast on the home shopping channel of the TV.

According to the present invention, upon receiving a call from the VoIP terminal, the ARS server transmits a payment request message including an application execution event code and a product code to the VoIP terminal, and the VoIP terminal transmits a payment request Detects the application execution event code included in the message, executes the payment application, requests the payment agent corresponding to the product code included in the payment request message through the payment application to the payment agent server, It is possible to minimize the user's operation in order to settle ARS orders for products broadcasted through the Internet, thereby further improving user convenience.

The settlement processing operation of the settlement processing system using the VoIP terminal as described above will be described with reference to FIG. 5 is a flowchart illustrating a configuration of a payment processing method using a VoIP terminal according to an embodiment of the present invention.

When a user viewing a home shopping channel of the TV wants to order an item, the user uses the VoIP terminal to call the ARS telephone number provided by the home shopping channel. Since the merchandise sold on the home shopping channel is unique in each broadcast time zone, the ARS phone number matches the unique merchandise code.

In response to receipt of the call from the VoIP terminal in the message transmission step 510, the ARS server transmits a payment request message including an application execution event code and a product code to the VoIP terminal. The explanation of the transmission of the settlement request message is omitted here, so redundant description is omitted.

Then, in the application execution step 520, the VoIP terminal receiving the payment request message from the ARS server detects the application execution event code from the payment request message and executes the payment application. Since we have already discussed the execution of payment apps, duplicate descriptions are omitted.

Then, in the billing interface request step 530, the VoIP terminal transmits the goods code included in the payment request message to the payment agent server through the payment application, and requests the payment interface corresponding to the goods code. Since the payment interface request has been described above, duplicate explanation is omitted.

Next, in response to the payment interface request from the VoIP terminal in the payment interface providing step 540, the payment proxy server provides the payment interface corresponding to the goods code to the VoIP terminal. Since the payment interface has been described in the foregoing, redundant description will be omitted.

Then, in the payment approval request step 550, the VoIP terminal provided with the payment interface transmits the payment approval request information including the credit card information and the user input information to the payment agent server through the payment interface displayed through the payment application And request payment approval. Since we have already discussed payment authorization requests, duplicate descriptions are omitted.

Next, in response to the payment approval request from the VoIP terminal in the payment approval processing step 560, the payment proxy server transmits the payment approval request information including the credit card information and the user input information to the card company server to request payment approval , Receives the payment approval result from the card company server, and transmits the payment approval result to the VoIP terminal. Since the payment approval processing has been described above, the duplicate description will be omitted.

According to the present invention, upon receiving a call from the VoIP terminal, the ARS server transmits a payment request message including an application execution event code and a product code to the VoIP terminal, and the VoIP terminal transmits a payment request Detects the application execution event code included in the message, executes the payment application, requests the payment agent corresponding to the product code included in the payment request message through the payment application to the payment agent server, It is possible to minimize the user's operation during the ARS order settlement for the goods broadcasted through the Internet, thereby further improving the convenience for users. Therefore, the object of the present invention can be achieved.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. .

INDUSTRIAL APPLICABILITY The present invention is industrially applicable in the field of payment related technology and its application technology.

10: VoIP terminal 11:
12: audio processing unit 13:
14: Display unit 15: Handset
16: communication processor 17: memory
18: Card reader 20: ARS server
30: settlement agent server 40: card company server
110: message reception unit 120: event code detection unit
130: payment performing unit 131:
132: payment interface requesting unit 133: payment processing unit
140: card information processor 150: user input information processor
310: goods information searching unit 320:
330: Payment approval request reception unit 340: Payment approval processing unit

Claims (7)

Upon receipt of a call from the VoIP terminal, a payment request message is transmitted from the ARS server that transmits a payment request message including an application execution event code, which is information for executing a payment application, and a product code, A message receiving unit receiving the message;
An event code detector for detecting an application execution event code included in the payment request message received by the message receiver;
When the application execution event code is detected by the event code detection unit, executes a payment application and receives a payment interface corresponding to the product code included in the payment request message through the payment application from the payment agent server A settlement performing unit for performing the settlement processing;
A card information processor for recognizing credit card information and providing the credit card information to the payment interface in response to a credit card information input request from the payment app;
A user input information processing unit for receiving user input information and providing the user input information to the payment interface according to a request for inputting user input information from the payment app;
A VoIP terminal having a card settlement function capable of minimizing the user's operation at the time of ARS order settlement by automatically executing a payment application by detecting an application execution event code and providing a payment interface for each product code based on a product code. The method according to claim 1,
The settlement performing unit:
An app execution unit for executing a payment application;
A payment interface request unit for sending a product code to a payment agent server through a payment application executed by the application execution unit and requesting a payment interface corresponding to the product code;
A billing interface provided from a payment agency server through a payment application, and a payment approval including a credit card information provided by the card information processing section and user input information provided by the user input information processing section through a payment interface A payment processing unit for transmitting the request information to the payment agent server;
The VoIP terminal having a card settlement function. The payment server and the commodity code corresponding to the commodity code are shared. Upon reception of the call from the VoIP terminal, the commodity code, which is information for requesting a payment interface, An ARS server for transmitting a payment request message including the payment request message;
Receiving an application execution event code from the ARS server and a payment request message including a product code, executing a payment application in response to the detection of the application execution event code, A VoIP terminal for receiving a payment interface corresponding to the payment agent from the payment agent server and performing settlement;
The billing interface requesting the billing interface request from the VoIP terminal, searching the goods information corresponding to the goods code included in the billing interface request from the VoIP terminal, providing a billing interface based on the retrieved goods information to the VoIP terminal, A payment agent server for receiving payment approval request information including credit card information and user input information and processing payment approval through the payment agent server;
A billing processing system using a VoIP terminal that minimizes user operations during ARS order settlement by automatically executing a payment application by detecting an application execution event code and providing a billing interface for each product code based on a product code. The method of claim 3,
Wherein the VoIP terminal:
A message receiving unit for receiving from the ARS server a payment request message including an application execution event code and a product code;
An event code detector for detecting an application execution event code included in the payment request message received by the message receiver;
When the application execution event code is detected by the event code detection unit, executes a payment application and receives a payment interface corresponding to the product code included in the payment request message through the payment application from the payment agent server A settlement performing unit for performing the settlement processing;
A card information processor for recognizing credit card information and providing the credit card information to the payment interface in response to a credit card information input request from the payment app;
A user input information processing unit for receiving user input information and providing the user input information to the payment interface according to a request for inputting user input information from the payment app;
Wherein the VoIP terminal is a VoIP terminal. 5. The method of claim 4,
The settlement performing unit:
An app execution unit for executing a payment application;
A payment interface request unit for sending a product code to a payment agent server through a payment application executed by the application execution unit and requesting a payment interface corresponding to the product code;
A billing interface provided from a payment agency server through a payment application, and a payment approval including a credit card information provided by the card information processing section and user input information provided by the user input information processing section through a payment interface A payment processing unit for transmitting the request information to the payment agent server;
Wherein the VoIP terminal is a VoIP terminal. 6. The method of claim 5,
Wherein the payment agent server comprises:
A merchandise information retrieval unit for retrieving merchandise information corresponding to the merchandise code transmitted from the VoIP terminal from a database shared with the ARS server according to a payment interface request from the VoIP terminal;
A billing interface providing unit configured to provide a billing interface corresponding to the product code based on the product information retrieved by the product information retrieving unit to the VoIP terminal;
A payment approval request receiver for receiving payment approval request information including credit card information and user input information through a payment interface displayed through a payment application executed by the VoIP terminal;
Transmits the payment approval request information including the credit card information and the user input information received by the payment approval request receiving unit to the card company server to request payment approval and receives the payment approval result from the card company server and transmits the payment approval request information to the VoIP terminal A payment approval processing unit;
Wherein the VoIP terminal is a VoIP terminal. Upon receipt of a call from the VoIP terminal, the ARS server transmits a payment request message including an application execution event code, which is information for executing a payment application, and a product code, which is information for requesting a payment interface, to the VoIP terminal Transmitting a message;
A payment application execution step of receiving a payment request message from the ARS server and detecting an application execution event code from a payment request message and executing a payment application;
A billing interface request step of requesting a payment interface corresponding to a product code by transmitting a product code included in a payment request message through a payment application to a payment agent server;
A payment interface providing step of providing a payment interface corresponding to a product code to the VoIP terminal in response to a payment interface request from the VoIP terminal;
A payment approval request step of transmitting payment approval request information including credit card information and user input information to a payment agent server through a payment interface displayed through a payment application by a VoIP terminal provided with a payment interface;
In response to the payment approval request from the VoIP terminal, the payment proxy server transmits the payment approval request information including the credit card information and the user input information to the card company server to request payment approval, receives the payment approval result from the card company server, To the VoIP terminal;
And a billing interface for each product code based on a product code to provide a payment interface for a billing application by detecting an application execution event code.

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