KR20000066430A - Method for paying a charge of goods - Google Patents

Abstract

PURPOSE: A goods price settlement method is provided to carry out the acquisition of goods and the withdrawal of the price dependent on a user's goods purchase safely and reliably. CONSTITUTION: If a user transmits a call access request data using his portable phone, a base station makes call connection achieved with a goods price settlement server using the telephone number of a destination point. The user selects and appoints a desired service item according to voice information messages received from the goods price settlement server. If the user selects an electronic settlement service item through his voice input to his portable phone, a CPU recognizes that the electronic settlement service item was selected. The user inputs data for goods price settlement according to voice information messages. A main computer compares the user's account password provided from the goods price settlement server and a previously registered password. If both passwords are the same, the computer determines that the user is a legal user and confirms whether a balance of more than the goods price exists in the user's account.

Description

Method for paying a charge of goods}

The present invention relates to a payment method for goods, and more particularly, the price of the goods purchased by the user to be temporarily stored in the goods payment server, if the user obtains the goods from the seller of the goods there is no objection It relates to a method for payment of goods paid to ensure that the goods price stored in the goods payment server is delivered to the corresponding merchandise distributor.

In the conventional method of payment for goods purchased when a product is purchased and sold through a telecom dealer or the like, the user first pays for the goods he / she wants to purchase in advance using a credit card or through a bank or the like. When the purchase amount is remitted online to the correspondent carrier, the correspondent seller confirms the payment of the goods or the payment of the goods, and then delivers the goods to the user by mail or courier service. .

However, in the case of such a transaction method, the buyer pays the goods first before receiving the goods, so the buyer has a doubt about whether the goods can be safely delivered after the payment of the goods. The purchase was avoided, and there was a limit to activating such a service.

In addition, by applying the post-payment method paid after the delivery of the goods rather than the prepayment of the goods, the purchaser's doubt about the delivery of the goods can be resolved, but in this case, the seller of the goods can safely recover the price of the goods for sale. Due to concerns about whether or not to be possible, such a payment method is not preferred, and thus, the mail order in which the aforementioned payment method is applied is not activated.

In addition, when a user wants to pay for a product using a credit card in a mail order, etc., the user has to report his personal information to the corresponding mail service provider through a communication medium such as a telephone every time the goods are purchased. In addition, in the case of trying to settle the goods price by remitting the goods price through the bank, if its bank differs from the goods bank of the goods store, there was a problem in that a remittance fee must be paid at the time of remittance of the goods price. .

Accordingly, the present invention has been made to solve the above problems, and an object of the present invention is to provide a method for payment of goods price, which enables to securely and reliably acquire goods and collect money according to a user's purchase of goods. .

Figure 1 shows the overall network configuration of the payment method for goods according to the present invention,

FIG. 2 shows a detailed configuration of a payment server for goods in the network configuration of FIG. 1;

Figure 3 shows the flow of a preferred embodiment of the payment method for goods according to the present invention,

FIG. 4 shows user information stored in the hard disk HDD of FIG.

FIG. 5 shows goods sales destination information stored in the hard disk HDD of FIG.

Figure 6 shows the process of the goods payment method according to the present invention.

※ Explanation of code for main part of drawing

100: mobile communication terminal 200: CDMA mobile communication network

300: payment server for goods 310: network connection

320: DTMF conversion / detection unit 330: central processing unit

331: Rom 332: Memory

340: voice data processing unit 350: voice storage disk

360: hard disk (HDD) 370: clock part

380: voice restorer 400: merchandise

500: public telephone network (PSTN) 600: financial settlement server

601,602,603: Bank Main Computer

In order to achieve the above object, the payment method for goods according to the present invention, the payment request data of the goods price including the identification information of the goods seller and the buyer of goods through the mobile communication terminal, payment of the goods connected to the call A first step of transmitting to a server; A second step of requesting a transfer of the goods price to a predetermined account from a bank account specified from the goods purchaser identification information; A third step of transmitting data on whether the transfer is successful according to the request; A fourth step of, upon receipt of the data on whether the transfer is successful, transmitting the corresponding letter of credit data to the communication terminal of the merchandise distributor specified from the identification information of the merchandise distributor; And a fifth step of transferring the goods price from the account or the other account to the designated bank account of the goods seller after the predetermined period of time without requesting the payment ban for the transferred money. will be.

In the payment method for the goods, the goods purchaser first connects to the goods payment server using his mobile communication terminal, and includes identification information of the goods buyer and the goods seller according to the call connection. The price payment request data is transmitted wirelessly from the mobile communication terminal to the price payment server connected thereto.

Accordingly, the goods payment server is requested to transfer the goods price from the bank account of the goods buyer specified from the identification information of the goods buyer sent to the predetermined account, and the data on the success of the goods payment When receiving from the financial settlement server, by constructing the credit data according to this and transmits it to the communication terminal of the corresponding merchandise specified by the identification information of the merchandise is sent, the payment of the goods price is guaranteed, As a result, the merchandise distributor is responsible for delivering the merchandise to the merchandise buyer.

If, within a predetermined period of time, there is no user's request to prohibit payment of the transferred money from the goods purchaser, the goods payment server may transfer the goods from the account or another account to a predetermined bank account of the goods seller. By requesting the payment to be transferred, the price of the goods for sale is delivered.

Hereinafter, an embodiment of a payment method for goods according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating the entire network configuration of a payment method for goods according to the present invention, a mobile communication terminal (hereinafter referred to as a "mobile phone") 100, a CDMA mobile communication network 200, and a goods payment payment server 300 , A merchandise distributor 400 having a communication terminal wirelessly connected to the CDMA mobile communication network 200 (or a wired connection to a general public telephone network (PSTN) 500), and a financial settlement server 600. ) And the main computer (601, 602, 603, ...) of each bank.

FIG. 2 shows a detailed configuration of the article payment server 300 in the entire network configuration of FIG. 1, which is connected to the CDMA mobile communication network 200, transmits and receives connection signaling and signals, and A network connection unit 310 for performing data communication with the financial settlement server 600 through a dedicated line; A DTMF conversion / detection unit 320 for converting and transmitting a telephone number into DTMF tones and detecting a received DTMF tone; A voice data processor 340 for digitizing the voice received through the network connection unit and extracting voice features such as voice patterns; A voice storage disk 350 in which voice guidance messages are stored in data form; A hard disk (HDD) 360 that stores personal information such as an address, a telephone number, an account number of each individual program, a subscriber (item purchaser), and information (eg, an access number and an account number) of a registered seller; A clock unit 370 keeping track of the current date and time; A voice restorer 380 for restoring and compressing the compressed voice data stored in the voice storage disk 350 and transmitting the converted voice data into a voice message; A memory 332 in which data is temporarily stored; And a central processing unit 330 that executes programs on the ROM 331 and the hard disk 360 to perform operations such as searching of the hard disk 360, interpretation of data transmission and reception data, and updating of stored data. It is composed.

Figure 3 shows the flow of a preferred embodiment of the payment method for goods according to the present invention, in the following with reference to the detailed configuration of the network configuration of Figure 1 and the billing server of Figure 2 of FIG. The payment method for goods will be described in detail.

First, in order to conduct a transaction using a mobile communication terminal, a user and a merchandise distributor apply for a subscription to a mobile communication operator operating the payment server 300, where a user and a merchandise distributor request a mobile communication provider. The personal information (name, terminal phone number, transaction bank account number, etc.) to the mobile communication provider is provided, accordingly, the goods payment server 300 in the form of subscription information as shown in Figures 4 and 5 User management information and management information of a merchandise distributor are managed by database.

In this subscription state, the goods purchaser designates the goods to be purchased using a communication network sales method such as the Internet, and then selects a payment method by the mobile communication terminal as the payment method of the goods.

After the selection of the payment method, in order to make a provisional payment using the mobile phone 100, a special telephone number specified in the corresponding payment server 300, for example, a number such as "* 99", the mobile phone 100 ) By using the dial button provided in the call request.

In this case, since the mobile phone number of the user and the unique identification code of the mobile phone are stored in the mobile phone 100, the phone number of the input destination is transmitted to the CDMA mobile communication network 200 through a nearby base station. A mobile phone number of the user and a unique identification code of the mobile phone, which are stored in the mobile phone 100, are also transmitted.

The base station that has received the call connection request data from the mobile phone 100 transmits the call destination requested destination data to the connected exchange, and the exchange control center (not shown) connected to the exchange is received by the user's mobile phone. Check the legitimacy of the user from the phone number and the unique identification code, and if the user is a legitimate user, request a call using the access number (phone number) of the corresponding destination received when the call is requested, and call the corresponding payment server 300 The connection is made (S10).

When the call connection with the goods payment server 300 is made, the central processing unit 330 in the payment server 300 recognizes this fact through the network connection unit 310, the network connection unit 310 From the incoming call signal of the digital form received directly from the phone number of the call-connected mobile phone 100 is confirmed.

Accordingly. The central processing unit 330 searches the hard disk 360 in which the user's personal information is stored as shown in FIG. 4 to confirm whether the confirmed phone number exists, and if the phone number exists. Then, it is confirmed that the user is a registered subscriber.

When the user is identified as a subscriber as described above, the central processing unit 330 reads compressed voice data corresponding to a terminal (mobile phone) password input guide message among voice guide messages previously stored in the voice storage disk 350. The read voice data is restored by the voice restorer 380 and converted into a voice message, and then output to the call-connected mobile phone 100 through the network connection unit 310. The voice message provided from the payment server 300 is listened to, so that the user inputs the terminal password through the dial button on the mobile phone 100 or through the user's development.

The password by the input of the dial button is detected by the DTMF conversion / detection unit 320, the code is transmitted to the central processing unit 330, the central processing unit 330 is the detected password of the user and the By comparing the password stored in association with the user's telephone number retrieved from the hard disk 360, the user's legitimacy is confirmed. If the two passwords are the same, the central processing unit 330 is a legitimate user. After reading the compressed voice data corresponding to the entire service selection guide message among the voice guidance messages previously stored in the voice storage disk 350, the call-connected mobile phone ( By outputting to 100, the user listens to the voice message provided from the payment server 300 for the article, and the article Fri payment server (300) is a service waiting state to wait for a user response.

The entire service selection guide message may be a voice guide with the following contents.

"Please press the number of the service you want.

No. 1: Electronic payment

2nd: Cancel transaction

3: Purchase History

4: Sales history inquiry "

......................

The user selects a specific item desired for service among all the service items described above (S11), and the designation of the specific item is also specified through the dial button on the mobile phone 100 according to the user's selection, or the user's development Can be specified via input.

The entire service selection guide message may be provided in the form of a short message based on the Short Message Service protocol, which is one of mobile communication services, not a voice message. Stored in the hard disk 360, and upon providing thereof, the central processing unit 330 reads the character data for the entire service selection guide stored in the hard disk 360, and reads the read character data. Through the network access unit 310 may be transmitted to the mobile phone 100 of the buyer via the CDMA base station that is closest to the current buyer through the access (paging) / access (paging) channel without a call connection.

When the user selects the first, 'electronic payment' service item of the total service items through the mobile phone input through nurturing input (S20), the central processing unit 330 through the network connection unit 310 The voice of the received user is converted into digital compressed data through the voice data processing unit 340, and stored in association with the retrieved user's telephone number, and the voice data processing unit 340 converts the voice data of the converted user. In this case, the feature of the voice pattern is extracted, and the central processing unit 330 selects the 'electronic payment' service item by comparing the extracted feature of the voice with the feature of the word 'electronic payment' which is stored in advance. It will be recognized.

In this way, storing the user input on the mobile phone 100 on the hard disk 360 in the goods payment server 300 proves that the user directly made a transaction when a problem such as a user's disapproval occurs later. It is intended to be used as evidence for the purpose.

Subsequently, the central processing unit 330 reads a guide message requesting sequential input of necessary data for the selected electronic payment from the voice storage disk 350 and connects the call through the network connection unit 310. The mobile phone 100 is outputted, and the goods payment server 300 is in the service waiting state waiting for the user's response again.

The user who listens to the voice guidance message through the mobile phone 100, the identification number of the corresponding merchandise seller 400, the price of the goods, the password of their bank account according to the voice guidance message ( This password is not entered through the communication terminal, provided with the account number at the time of joining the service may be pre-stored in the goods payment server 300) and the like, the dial button provided in the mobile phone 100 Through the input request in order (S21), the DTMF conversion / detection unit 320 detects the DTMF signal sequentially input through the network connection unit 310, the central processing unit 330 Checks the data input by the user from the detected DTMF signal.

The CPU 330 retransmits the prestored voice data corresponding to the identified input data to the call-connected mobile phone 100 through the network connection unit 310, thereby allowing the user to send his / her own. You can check the data again by listening to the voice message.

Through the voice message, the user reconfirms the data input for the payment of the goods, and if there is an error according to the result of the check, the user returns to the corresponding procedure and takes appropriate action such as re-entering the data. If no, end the call.

In the above embodiment, the input of the necessary data for the payment of the goods, in addition to the above dial button input, as well as through the user's development input and the pattern extraction and comparison thereof, as in the selection of the 'electronic payment' service item described above. It is possible.

The central processing unit 330 checks the user's trading bank 601 from the user's trading bank account number stored in association with the user's telephone number retrieved from the hard disk 360, and from the confirmed The bank, for example, 'Seoul Bank' (601) to request an account transfer, for this purpose, the central processing unit 330 is the user's account number for the account transfer, the password of the account, the transfer amount (items Price), the bank request number of the mobile communication service provider, and the transfer request data including data such as the identification number (or phone number) of the seller of the goods to the financial settlement server 600.

And password in the amount of transferred financial payment server 600 requested to the host computer (600 _n) of providing it to the host computer (600 _n) of the bank, and the bank has been previously registered in association with the received user's account number, By comparing the passwords of the provided user accounts (S22), if both passwords are the same (S30), the user is judged as a legitimate user, and the user's account checks whether a balance equal to or greater than the provided item price exists. do.

If there is a balance over the goods price in the user account, the main computer (600 _n ) of the bank will transfer the requested transfer amount to the account number of the mobile communication provider that is the transfer system (S31), in this case the transfer The identification number of the corresponding merchandise seller 400 provided with the amount is composed of the transfer transaction history information, and then the transfer completion (S40) to notify the goods payment server 300 through the financial settlement server 600, Accordingly, the goods payment server 300 stores the transaction date and time and the transaction details on the hard disk 360 as shown in FIG.

If there is no separate notification of the completion of the transfer, the goods payment server 300 is connected to the financial settlement server 600 through the network connection unit 310 on a daily basis, and then the financial settlement of the mobile communication provider itself The server checks the server, and if there is a new payment history that is not confirmed on the day, the central processing unit 330 transfers the transfer amount, the transfer date and time, the identification number of the merchandise seller 400, and the withdrawal account requesting payment of the goods. After confirming, the corresponding buyer of FIG. 4 is searched and the transaction history is constructed and stored.

The central processing unit 330 includes data constituting the credit data from the contents of the hard disk 360 stored in association with the confirmed account number, that is, data such as user name, transaction amount, transaction date and time, In addition, by reading the confirmed transaction number of the seller 400, etc. and transmitting the same to the memory 332, credit card data of a predetermined format is configured in the memory 332.

Such a time period for composing the letter of credit data may be configured immediately upon receipt of the notification data when there is a notification of completion of transfer according to the transfer request described above and not at the time of daily confirmation.

When the credit data is configured as described above, the central processing unit 330 searches the hard disk 360, and stores the correspondent merchandise 400 stored in association with the identified identification number of the merchandise seller 400. The access number, that is, the telephone number is confirmed, and the confirmed number is converted into a DTMF signal by the DTMF conversion / detection unit 320 and is external CDMA mobile communication network 200 or a public telephone network through the network connection unit 310 ( By being transmitted to the PSTN (500), the call connection with the communication terminal provided in the merchandise distributor 400 is made.

In this case, the terminal of the merchandise distributor 400 may be a CDMA mobile communication terminal or a wired telephone (or a wired dedicated payment terminal). In the case of a wired terminal, a call connection is made through a public telephone network 500. When a call connection is made with the terminal of the merchandise distributor 400, the central processing unit 330 transmits the credit data including the above contents to the call connected communication terminal (S41).

When the credit data is transmitted, the central processing unit 330 selectively stores personal information such as an address and a phone number of the user, which are previously stored in the hard disk 360, to the communication terminal of the merchandise seller 400. By providing such user personal information, even if the user does not directly provide his or her personal information to the merchandise distributor 400 by voice, the merchandise distributor 400 may provide the user's address, telephone number, and the like. The same personal information is grasped, and from this, the merchandise distributor 400 can use the personal information of the user at the time of delivering the goods to the user through a mail or a courier service.

In the above-described process, the number of transactions of the merchandise seller 400 is transmitted to distinguish between the commodity buyer and a third party contributing to sending fake credit data to the terminal of the merchandise seller 400. In the case of providing the caller ID, the communication terminal of the merchandise seller 400 can see that the credit data is transmitted from the true merchandise payment server 300. You may not send the number of transactions.

As another method for distinguishing the authenticity of a credit, the central processor 330 is recorded with the digital voice data recorded on the hard disk 360 at the time of joining a store. When a call connection is made with the terminal of the merchandise seller 400, the voice is first converted into a terminal of the merchandise seller 400 and then transmitted, and then the credit data is transmitted. It is also possible to use a method to ensure that the transmission of the credit data is made from the payment server 300.

In addition, although the above-mentioned transmission of the credit data to the merchandise distributor 400 can be notified through a mobile phone and a wired terminal provided at the merchandise distributor, as described above, the hard disk 360 is already registered. By using the access number (e-mail address, facsimile number, etc.) of the merchandise seller 400, it is possible to notify through e-mail, facsimile or the like.

In addition, when the central processing unit 330 receives the transfer completion notification, it notifies the purchaser's mobile phone 100 whether or not the normal transfer of the price of the goods, and the central processing unit 330 determines whether the transfer is made. By providing in the form of a voice message to the call-connected mobile phone 100, so that the user can check whether or not the normal transfer of the price of the goods requested for payment.

In addition, the central processing unit 330 confirms the transaction date and time of the user recorded in the user information of the hard disk 360 on a daily basis, and is read from the confirmed date and time and the watch unit 370 On the basis of the current date and time data, it is determined whether a predetermined period of time (for example, 15 days) has elapsed from the time of the user's transaction (S50). Search for the affiliated store from the store identification number (or phone number) stored in association with the transaction history, and the goods seller (stored in association with the retrieved seller 400 identification number (or phone number)). 400), and determine the bank account number and its bank, the number of his bank account, the same bank and the bank check, for example "CHB" (from the account and 600 _b) The amount of the goods in the transaction details (the amount corresponding to this amount is already deposited in the other bank of the mobile carrier-'Seoul Bank' in the above example). The financial settlement server 600 is requested to be transferred (S51), because the transaction between the same bank does not have to pay a fee according to the transaction.

Upon completion of the normal transfer of the price of the goods to the corresponding merchandise seller 400, the central processing unit 330 transfers the goods price to the hard disk 360 in which the information of the merchandise seller is stored as shown in FIG. That is, the price of goods, transfer date and time, etc. in accordance with the payment for the goods will be stored as the sales history of the corresponding merchandise seller 400.

In the above embodiment, when the goods seller 400 receives the credit data from the goods payment server 300, the goods seller 400 can be guaranteed the price for the goods to be sold accordingly Assured, the buyer's address received through the communication network or the buyer's address in the received credit card data is confirmed, and based on this, the item selected by the user to purchase from the communication network is sent to the buyer by mail or courier service. Will be delivered.

In addition, in the above-described embodiment, the predetermined period of time, as the merchandise seller 400 receives the credit data from the merchandise payment server 300, delivers the merchandise delivered from the merchandise seller 400 to the buyer. It is set to a sufficient period until the buyer receives the confirmation of the defect and can cancel the purchase, and if the purchaser's cancellation intention is not received by the payment server 300 during this period, the goods After the period of time, the payment server 300 will transfer the goods price transferred from the account of the mobile communication service provider, which is a third party of purchase and sale, back to the designated account of the goods seller 400.

However, in the above embodiment, if the mobile communication operator who is the operator of the goods payment server 300 does not have an account in each bank for goods payment, the corresponding bank that is requested to transfer the goods payment account of the user In the same number as the account number, the withdrawal authority may transfer the goods price to a different virtual account, this transfer process will be described with reference to FIG.

The amount transferred to the virtual account as described above only because the mobile communication provider (or a third party or a third party that performs the letter of credit service) will be withdrawn, transfer to the virtual account, The provisional payment state to the mobile telecommunications carrier is entered.

In addition, when the goods are transferred to the virtual account, an identification number (or phone number) of the goods seller 400 is also provided as the details of the transfer together with the transfer amount.

In the following description, the virtual account or the true account is referred to as an 'account'.

When the account change in the corresponding bank 601, that is, when the transfer of goods to the virtual account is completed, the goods payment server 300 is notified of this, in this case, the goods payment server 300 Each time the transfer of the payment will be notified from the main computer of the bank, so to check whether the transfer of goods as described above, to access the financial settlement server 600 to check their own financial settlement server Hassle is eliminated.

In this way, when the goods payment is normally transferred to the virtual account, and the notification is received from the goods payment server 300, by performing the above-described process in the same way, according to the receipt of the credit data of the goods seller 400 Acquisition of the goods of the user and the goods price can be recovered from the merchandise seller 400, but in this case, the bank of the virtual bank and the bank of the predetermined bank account of the goods payment server 300 is the same. If the bank is not a bank, at the time of transfer, the predetermined fee for the transaction between the other banks is paid.

Unlike the above-described embodiment, the goods purchaser does not request the provisional payment of the price for the purchase to the goods payment server 300, the account is connected to the financial settlement server 600 as a mobile communication terminal as described above By requesting the provisional transfer of goods payment to the notification, and the result of the provisional transfer is notified from the financial settlement server 600, the goods payment settlement server 300 registering the buyer as a service subscriber is a provisional transfer You may also perform operations such as sending letter of credit data and requesting a transfer to the seller of the goods after a certain period of time.

The payment method for goods according to the present invention made as described above is to receive the goods purchased from the goods distributor, and if there is no defect in use, the payment of the goods is actually made for the goods. By guaranteeing the safe recovery of the price of goods by guaranteeing the payment, the user can prevent the user from unconditionally losing the price or losing the cost of the goods at the retailer, and the user has a high risk of losing cash or credit. It is a very useful invention that can settle the spread of credit transactions and transparent commerce since it is possible to simply pay for goods using their bank account without using a card.

Claims (11)

A first step of transmitting, through the mobile communication terminal, the payment request data of the goods price including the identification information of the goods seller and the goods buyer to the connected goods price payment server; A second step of requesting a transfer of the goods price to a predetermined account from a bank account specified from the goods purchaser identification information; A third step of transmitting data on whether the transfer is successful according to the request; A fourth step of, upon receipt of the data on whether the transfer is successful, transmitting the corresponding letter of credit data to the communication terminal of the merchandise distributor specified from the identification information of the merchandise distributor; And And a fifth step of transferring the goods price from the account or another account to a predetermined bank account of the goods seller after a predetermined period of time without a request for prohibition of payment of the transferred money. The method of claim 1, And the designated account is a separate account having a right of withdrawal by a third party other than the goods seller and the goods buyer. The method of claim 1, And the designated account is a virtual account in the account of the buyer of the article that the buyer of the article does not have the right to withdraw. The method of claim 1, The letter of credit data payment method, characterized in that it contains personal information, such as the name, address, amount of use of the buyer of the goods. A first step of receiving, through a mobile communication network, payment request data of an item price including an identification information of a specific goods seller and a particular goods buyer from a call-connected mobile communication terminal; A second step of transferring the goods price from a bank account of the goods purchaser to a predetermined account corresponding to the bank account according to the receipt of the goods payment request data; A third step of checking a deposit history of a plurality of predetermined accounts at predetermined time intervals; A fourth step of transmitting the credit data according to the payment of the new item price from the third step to the communication terminal of the corresponding item seller specified from the item seller ID code in the deposit details; And And a fifth step of requesting a transfer of the goods price from the account or another account to the designated bank account of the goods seller after a predetermined period of time without a request for prohibition of payment of the transferred money. . The method of claim 5, In the fourth step, the item payment method, characterized in that for transmitting the sequential number of transactions of the goods seller in the credit data. The method of claim 5, The first step, Outputting a selection menu to the call-connected mobile communication terminal; Confirming that the item payment request is made from the voice data received after outputting the selection menu; And And receiving, according to the result of the check, payment request data of the price of the goods from the call-connected mobile communication terminal through a mobile communication network. The method of claim 7, wherein The received voice data payment method for goods, characterized in that stored with the payment history. The method of claim 5, The fourth step may further include a higher step of transmitting a pre-stored voice message to the communication terminal of the product selling place, which is specified from the identification information of the selling place, when confirming the payment of the new item price from the third step. Payment method for goods, characterized in that made. The method of claim 9, The pre-stored voice message is a product payment method, characterized in that the recorded fostering of the person representing the goods seller. The method of claim 5, In the fifth step, a payment method for goods payment, characterized in that for requesting a transfer through an account in the same bank as the bank account of the goods seller of the plurality of accounts of the goods payment server.