KR20050106209A - Billing system according to ordering by telephone and method thereof - Google Patents

Abstract

The present invention relates to a mutual authentication type payment system and a method of a receiver and a sender. In the payment system according to the present invention, a caller makes an order by calling a receiver using his or her communication terminal, and the telephone exchange network transmits the call connection request signal to the payment server to provide a service of the payment server. To help. The payment server performs authentication on the receiver terminal and the sender, enables payment by the payment method selected by the sender, and sends the payment approval information and the sender additional information to the receiver terminal to immediately output the receipt from the receiver terminal. Do it.

Description

BILLING SYSTEM ACCORDING TO ORDERING BY TELEPHONE AND METHOD THEREOF}

The present invention relates to a billing system and method for mutual authentication of a receiver and a sender, and more particularly, when a caller places an order using a telephone, at the same time as a telephone order, authentication for the receiver and the sender, payment for an order, A billing system and method capable of issuing a receipt for a transaction.

As of January 1, 2005, our country will implement a cash receipt system for cash transactions over 5000 won. The cash receipt system uses a credit card (or social security number) to notify the IRS through terminals such as merchants and restaurants whose cash transactions are affiliated with the employee. It is a benefit system.

When a consumer or user pays for goods or services, the merchant presents a card (credit card, debit card, etc.) that he or she identifies to the merchant and issues a cash receipt through the terminal. At this time, the card is for identity verification of the user, no separate card is required, and if there is no card, the user can be issued a cash receipt by presenting an identification card for checking the social security number and entering the social security number. .

Income deductions from cash receipts will be deducted from the amount of work income over 20% of the gross salary, depending on the amount used, and merchants will be deducted from the VAT payment tax of 1% of sales. Through the cash receipt system, cash transactions of self-employed workers are automatically exposed, thereby improving tax equity and reducing the burden on employees. In accordance with the implementation of such a cash receipt system, each affiliated store must be equipped with a cash receipt issuing device, and must prepare for implementation of the cash receipt system computer system and selection of VAN operators.

On the other hand, in the case of order delivery using the telephone, a lot of cash payments are made, and as the cash receipt system is implemented, a cash receipt must be issued for such order delivery. However, in order to issue a cash receipt for order delivery using a telephone, the trouble of having to say or input a card number or a social security number for confirming the identity of a sender who is an orderer is generated. In addition, personal information leaks through this identification process may be misused.

Accordingly, the present invention intends to propose a system capable of issuing a cash receipt capable of accommodating a demand for convenience and security at the same time as an order call even in the case of order delivery using a telephone.

The present invention for solving the above problems is an object of the present invention to provide a billing system and method that can conveniently issue a receipt even for order delivery using a telephone or the like.

In addition, an object of the present invention is to provide a billing system and method for issuing a cash receipt for order delivery using a telephone or the like without directly entering a credit card number or social security number.

In addition, an object of the present invention is to provide a billing system and method that can fully accommodate the requirements for security and authentication.

A feature of the present invention for achieving the above-described technical problem relates to a billing system in which a caller makes an order to a receiver using the terminal capable of communication, pays for it, and outputs a receipt to the receiver terminal.

A calling party terminal for making a call connection request by a calling party to a called party terminal;

When a call connection request from the caller terminal is generated, the call exchange network transmits a call connection signal to the receiver terminal and transmits the telephone numbers of the receiver terminal and the caller terminal to the billing server and requests a service;

In response to the service request from the telephone exchange network, authentication of the caller and the receiver terminal is performed, the payment amount transmitted from the receiver terminal is transmitted to the caller terminal, and the payment approval information is received from the server of the payment institution. A payment server for transmitting the sender additional information to the receiver terminal;

A server of a payment institution that receives payment amount and identification information about the sender from the payment server, and transmits payment approval information to the payment server when the payment is normally processed;

A receiver terminal which encrypts payment amount and identification information of the receiver terminal and transmits it to the payment server, or receives payment approval information and sender additional information from the payment server, and outputs a receipt using the receiver terminal, thereby communicating with the caller. The receipt is output to the receiver terminal at the same time as the order and payment using the terminal.

Here, the payment server, the data transmission and reception unit for receiving a caller's telephone number from the telephone exchange network, or transmitting and receiving data to outside, a data encryption unit for generating a caller's unique number for the caller and encrypting it, and the data When predetermined data is transmitted from the receiver terminal through a transceiver, an authentication performing unit for performing an authentication procedure for the receiver terminal using the caller unique number and the data transmitted from the receiver terminal is provided and encrypted by the data encryption unit. Characterized in that the data is transmitted to the receiver terminal using the data transceiver.

In addition, the payment server has a user database for storing and managing identification information and additional user information for registered users, the user database is a wired / wireless telephone number, password, social security number, name, credit It is preferable to include at least one item of card number and address.

In addition, the payment server is preferably using the user database to confirm the identity of the user corresponding to the telephone number of the caller terminal, and to authenticate the caller.

The payment server may further include a random number generator for generating a random number in real time and synchronizing the generated random number with a receiver terminal, wherein the authentication unit detects a terminal serial number corresponding to a call number of the receiver terminal from a database. Preferably, the authentication procedure is performed on the data transmitted from the receiver terminal by using the random number synchronized with the receiver terminal by the random number generator, the sender unique number, and the terminal serial number of the receiver terminal.

According to another aspect of the present invention, a payment server includes a user database for storing and managing information on a registered user, a telephone number of a calling party terminal and a telephone number of a calling party terminal from a telephone exchange network, or a calling terminal and a receiving terminal. A data transmitter / receiver for transmitting and receiving data to or from the payment institution's server, and transmitting the payment authorization information and the sender additional information to the receiver terminal, and generating a caller unique number for the telephone number of the caller terminal, A data encryption unit for encrypting the data, a random number generator for generating a random number, and synchronizing the random number with the receiver terminal, and receiving the encrypted information from the receiver terminal, the unique number of the caller, the call number of the receiver terminal, and the like. The receiver end using the random number And a section performing authentication of performing an authentication procedure with respect to the encrypted information received from the group.

The payment method according to another aspect of the present invention, the payment in the payment system that allows the sender to order and pay for goods or services using a communication terminal, the receiver can issue a receipt for such a transaction As a payment method,

(a) receiving the telephone numbers of the calling party terminal and the called party terminal from the telephone exchange network;

(b) generating a calling party unique number for the telephone number of the calling party terminal, generating a random number, and synchronizing the generated random number with the called party terminal;

(c) encrypting the sender unique number and transmitting it to the receiver terminal;

(d) receiving encrypted information from the receiver terminal;

(e) detecting a serial number of the receiver terminal corresponding to the call number of the receiver terminal from a database;

(f) performing an authentication procedure for the received information from the receiver terminal using the sender unique number, the random number synchronized with the receiver terminal, and the serial number of the receiver terminal;

(g) sending the payment amount to the sender, receiving a password from the sender and performing the authentication procedure for the sender using the same;

(h) transmitting payment related information to a server of a predetermined payment institution and receiving payment approval information from a server of a payment institution;

(i) transmitting the payment approval information and the sender additional information to the receiver terminal, so that the caller can order and pay using the telephone and at the same time a receipt is output to the receiver terminal.

In the payment system according to another aspect of the present invention, a first user places an order with a second terminal of a second user, which is an ordering agency, by using a first terminal as an orderer, pays for this, and provides a service. Regarding the payment system that outputs a receipt to a third terminal of a third user who is a business,

A telephone exchange network which connects the calls of the first user terminal and the second user terminal and transmits the telephone numbers of the second terminal and the first terminal to a payment server and requests a service;

In response to the service request from the telephone exchange network, the first and second terminals are authenticated, the payment amount transmitted from the second terminal is transmitted to the first terminal, and the payment approval information is received from the server of the payment institution. A payment server for transmitting payment approval information and additional information about the orderer to the second terminal or the third terminal;

A server of a payment institution that receives payment amount and identification information about an orderer from the payment server, and transmits payment approval information to the payment server when payment is normally processed;

A second terminal for encrypting payment amount and identification information for the second terminal and transmitting the encrypted amount to the payment server, or receiving payment approval information and orderer additional information from the payment server, and outputting the receipt using the payment terminal;

With the order and payment of the orderer is completed and the receipt is output to the second or third terminal at the same time.

Here, the second user is preferably a call center on behalf of the ordering service or telemarketing service of the third user.

Hereinafter, with reference to the accompanying drawings, it will be described in detail with respect to the mutual authentication type payment system and the payment method of the sender and the receiver on the communication terminal according to an embodiment of the present invention.

Referring to Figure 1, the mutual authentication type payment system according to a preferred embodiment of the present invention using a communication terminal, such as a telephone caller 100 to make an order and payment for the order, a specific service according to the caller's order Responding to the recipient 110, the telephone exchange network 120, the payment server 130 for providing a payment service according to the present invention, the servers 150, 160, 170 of at least one payment institution that performs the payment Include. Hereinafter, the configuration and operation of each component constituting the system according to the present invention as described above will be described in detail.

First, the caller makes an order requesting a desired service by calling a receiver providing a specific service using a communication terminal, and the receiver requests payment according to the sender's order, and issues a cash receipt or a card receipt accordingly. Done. Here, the communication terminal used by the caller may be used in various ways, such as wired / wireless telephones, smart phones, personal digital assistants (PDAs), and any device that enables telephone communication. In addition, the terminal to be used by the receiver can be a telephone call and data transmission and reception, and the terminal should be issued a receipt. However, an embodiment of the receiver terminal according to the present invention may separate the terminal receiving and receiving data from / to the payment server and outputting the receipt, and another embodiment of the receiver terminal It may be possible to manufacture a terminal that functions to send and receive data and output a receipt.

Next, the telephone exchange network 120 is interlocked with the payment server 130, and when a call connection request signal is input from the sender to connect the call with the receiver, at the same time, the authentication of the receiver and the sender, payment of the caller, receiver You will perform the tasks necessary to issue a receipt. This process is described in more detail as follows. First, when the call connection request signal is input from the caller, the telephone exchange network connects a call with the receiver and checks whether the receiver is a service subscriber. Next, if the receiver is a service subscriber, the telephone number of the caller terminal and the receiver terminal is transmitted to the billing server, and the service of the system according to the present invention is requested. At this time, according to a preferred embodiment of the present invention of Figure 1, the user database for storing and managing the service subscriber list is installed in the billing server, the telephone exchange network via the billing server when a call connection signal from the caller is input; It checks whether the receiver is a service subscriber. However, in another embodiment of the present invention, the database may be placed in various ways, such as a telephone exchange network, a customer oriented information management system (COIS), etc. according to the system design, and the telephone exchange network may be connected to the database server if necessary. You will be provided with this information.

When the payment server 130 receives the caller's telephone number from the telephone exchange network and receives the service providing signal, the payment server 130 performs a verification process on the sender and the receiver, and receives the information about the payment amount from the receiver to receive the server of the payment institution. In conjunction with the payment process. The configuration and operation of the payment server will be described later.

When the payment server 130 receives payment approval information including a payment approval number from a payment institution, the sender additional information and payment approval information are transmitted to the receiver terminal 110, and the receiver terminal 110 pays the bill. The receipt received from the server 130 is used to output a corresponding receipt such as a cash receipt or a card receipt.

The payment system according to the present invention, according to the caller's choice, it is possible to make payments using a method such as cash, credit card, debit card, bank transfer, telephone charges. As shown in Fig. 1, when the sender selects a bank transfer, the payment institution becomes the corresponding bank 150, and the payment server connects to the computer system of the bank 150 to transfer from the sender's corresponding account to the recipient account. After requesting the withdrawal, the bank's computer system undergoes a mutual authentication process, transfers the payment amount to the recipient account, and sends the payment transfer information to the payment server.

In addition, when the caller selects the credit card payment, the payment institution becomes the credit card company 160, and the payment server accesses the computer system of the credit card company, requests the payment from the caller card to the recipient, and the credit. After the card company's computer system undergoes a mutual authentication process, it performs a credit card payment and transmits payment authorization information including an authorization number to a payment server.

In addition, when the sender selects electronic payment using VAN company, the VAN company 180 requests payment from the sender's specific card or bank account to the recipient's account. Request for approval and receive payment approval number. Next, the VAN company transmits payment approval information to the payment server.

In addition, when the sender selects a cash payment, the payment institution becomes the cash payment institution 170, and the payment server connects to the cash payment institution's computer system, such as identification information, recipient information, payment amount, etc. of the sender. After transmitting the information and requesting payment, the computer system of the cash settlement institution, after the authentication process, approves the cash payment, and transmits the payment approval information including the payment approval number for issuing the cash receipt to the payment server. do.

In addition, when the caller selects the telephone fee postpaid system, the payment institution becomes the telephone company, and the billing server transmits information such as the payment amount, the caller's telephone number, etc. to the billing system of the telephone company, and requests the sum to be added to the telephone bill. Next, payment approval information is received from the billing system of the telephone company.

Meanwhile, in one embodiment of the present invention, the payment method is not selected by the user, but may not be selected by the user by using only one payment method according to the system.

Hereinafter, the configuration of the payment server 130 of the payment system according to the present invention with reference to FIG. As shown in FIG. 6, the payment server includes a user database 600, a data transmission / reception unit 610, a data encryption unit 620, a random number generation unit 630, and an authentication execution unit 640.

First, the user database unit 600 stores and manages identification information and additional user information of a registered user. The user database unit 600 includes a wired / wireless telephone number for a user, a terminal serial number for a user terminal, a password, It should have items such as social security number, name, credit card number and address.

The data transmission / reception unit 610 transmits and receives data with servers of a telephone exchange network, a caller terminal, a receiver terminal, and a payment institution.

The data encryption unit 620, when receiving the telephone number of the caller terminal from the telephone exchange network through the data transceiver, generates a caller unique number for the caller terminal, encrypts the generated caller unique number and then the data transceiver Send to the receiver terminal through.

The random number generator 630 generates a random number in real time and synchronizes the generated random number with the receiver terminal.

The authentication performer 640 performs an authentication procedure on the data and the receiver terminal received from the receiver terminal through the data transceiver. When receiving data from the receiver terminal, the authentication unit 640 detects the terminal serial number corresponding to the call number of the receiver terminal from the user database, and random number synchronized with the receiver terminal by the random number generator, the sender specific An encryption key is generated using the number and the terminal serial number according to a predetermined encryption algorithm. It is checked whether the generated encryption key is the same as the key received from the receiver terminal, and if it is the same, authentication succeeds.

Hereinafter, a process of operating the payment system according to the present invention will be described in detail with reference to the operation of the payment server 130 with reference to FIGS. 2 and 3A and 3B.

First, in step 200, the telephone exchange network transmits the telephone number of the calling party terminal to the payment server in response to the call connection request from the caller and simultaneously requests the service for the receiver, and the payment server according to the request from the telephone network. Generates and stores the calling party's unique number for the calling party's phone number.

Next, in step 210, the caller ID is encrypted using a hash code, and then the encrypted caller ID is transmitted to the receiver terminal. On the other hand, when the receiver receives the order from the sender, enters the payment amount for the order to the receiver terminal and presses the payment confirmation button, the receiver terminal receives the encrypted sender unique number received from the payment server and a random number synchronized with the payment server. After encrypting the serial number and payment amount of the receiver terminal, and transmits the encrypted information to the payment server.

In step 220, the payment server receives information about the encrypted receiver terminal serial number and payment amount from the receiver terminal. In step 230, the payment server detects the terminal serial number corresponding to the call number of the receiver terminal using the user database, and uses the detected terminal serial number, the caller unique number, and the random number synchronized with the receiver terminal. The authentication procedure is performed on the encrypted information and the receiver terminal received from the receiver.

The authentication procedure for the receiver terminal will be described in more detail as follows. First, the payment server detects the terminal serial number corresponding to the call number of the receiver terminal from the user database. After combining the detected terminal serial number and the random number synchronized with the receiver terminal, the terminal is encrypted using the sender's unique number, and then encrypted using a predetermined encryption algorithm to generate a predetermined encryption key. If the encryption key thus generated is identical to the key received from the receiver terminal, authentication is successful. The embodiment according to the present invention uses a method of encrypting using a hash code as an encryption algorithm, but it is natural that other encryption methods can be used in various ways.

Next, in step 240, the caller is requested to enter a password, and the payment server checks whether the password input from the caller terminal matches the corresponding information stored in the database in the payment server. At this time, if they match with each other, the sender is authenticated.

Next, in step 250, the payment server transmits payment information such as a payment amount to the caller through the telephone exchange network, and in step 260, the caller selects and inputs a payment method.

If the sender selects "cash payment" as the payment method, in step 270, if the sender is a registered user, the caller is requested to enter a password, and if the sender is not a registered user, the identification information (for example, social security number, credit card number, etc.) is entered. Ask for input. Next, when the corresponding information is input from the sender in step 272, the inputted information and the payment amount are transmitted to the cash settlement institution, and the payment settlement authority is requested to the cash settlement institution. Next, in step 274, payment information including the payment approval number is received from the cash settlement agency.

If the sender selects "credit card payment" as the payment method, in step 280, the sender is requested to input a password for the payment method, and in step 282, if the password is input from the sender, the entered password and payment Transfer the amount to the payment institution and request payment authorization from the payment institution. Accordingly, in step 284, payment information including the payment approval number is received from the corresponding payment institution.

If the caller selects "communication fee integrated billing" as the payment method, in step 286, the sender is requested to input a password for the payment method, and in step 287, if a password is input from the sender, the entered password, payment The amount and the telephone number of the calling party's terminal are transmitted to the telephone company's billing system and the payment is requested. Accordingly, in step 288, payment information including the payment approval number is received from the billing system of the telephone company.

When the payment approval information is received from a payment institution such as a cash settlement agency or a credit card company through the above-described process, the payment approval information and the sender additional information are transmitted to the receiver terminal in step 290 and then terminated. At this time, the receiver terminal receiving the payment approval information and the sender additional information from the payment server can output a cash receipt or a card receipt using this information.

Another embodiment of the payment system according to the present invention, as shown in Figure 4, relates to a payment system that can be applied when the receiver as a service provider is provided with a call center or computerized order system. In this embodiment, the caller, the caller, calls the call center or the computerized order system to place an order, and an order, transmission of payment information, and the like are performed between the call center, the payment server, and the caller. When payment approval information is transmitted from a computer system of a specific payment institution, the payment server transmits the sender additional information and payment approval information to a desired terminal of the receiver so that the receiver can output the corresponding receipt from his terminal. do.

As such, when an orderer makes a telephone order to a call center through a telephone exchange network in a payment server interworking with a telephone exchange network, a process of performing authentication on the orderer and the call center is as follows.

First, according to an order of an orderer using a communication terminal, receiving a payment request from the call center through the telephone exchange network, the payment server generates a random number in real time, and synchronizes the generated random number with the call center. Next, payment information and call center identification information encrypted using the random number are received from the call center, and authentication of the call center is performed using the received information. Next, a request for input of a payment password to the orderer terminal is performed, and authentication of the orderer is performed using the payment password transmitted from the orderer terminal. Here, all data transmitted and received through the network is preferably transmitted and received in an encrypted state using a predetermined encryption algorithm.

At this time, the caller may call the call center to place an order, and the call center may call the general user to place an order in the process of telemarketing. In this case, the above-described process may be equally applied.

In another embodiment of the payment system according to the present invention, as shown in FIG. 5, a user connects to a web server 500 providing a service using the Internet, and places a desired order through the web server. . Accordingly, the web server transmits the information about the user and the payment amount to the payment server through the telephone exchange network. The payment server receiving the information from the web server performs authentication on the user and authentication on the web server, and after the payment by the user is completed, the user additional information and payment approval information are transmitted to the receiver terminal. At this time, the information on the receiver terminal may be extracted from the database in the payment server through the authentication process for the web server.

In another embodiment of the payment system according to the present invention, when the payment means selected by the sender is a method of wire transfer, in consideration of the cancellation of the sender, the payment server is transferred from the sender's account to the recipient's account. Can be postponed for a period of time. Alternatively, if the payment means selected by the sender is by communication charge summing, in consideration of the caller's cancellation, the payment server may postpone the request for communication charge summing to the billing system of the telephone company for a certain period of time.

Although the present invention has been described above with reference to preferred embodiments thereof, this is merely an example and is not intended to limit the present invention, and those skilled in the art do not depart from the essential characteristics of the present invention. It will be appreciated that various modifications and applications are not possible in the scope. For example, in an embodiment of the present invention, information that the caller must input for identification or authentication of the caller, information that the receiver terminal should transmit to the payment server for authentication of the receiver terminal, Encryption methods and the like can be implemented in various modifications to increase the efficiency of the system according to the present invention. And differences related to such modifications and applications should be construed as being included in the scope of the invention defined in the appended claims.

According to the system according to the present invention, a cash receipt can be issued even when an order is placed using a telephone and a post payment is made in cash. In this case, the orderer can quickly receive a cash receipt even if he / she does not enter his or her social security number or credit card number for identification or authentication.

In addition, by the system according to the present invention, while the orderer makes an order call, the orderer (corresponding to the caller) can perform the payment completely, and the service provider (corresponding to the receiver) transmits necessary information from the payment server. Receipt can be printed out. The system according to the present invention is capable of outputting a cash receipt at the end of a telephone call, especially when an orderer using the telephone pays with cash. In this case, the recipient will provide the printed cash receipt to the orderer upon delivery of the order.

In addition, the system according to the present invention not only encrypts double data transmission and reception, but also can further enhance security by using and reusing all encryption keys only once.

1 is a block diagram showing the overall preferred embodiment of the payment system according to the present invention.

Figure 2 is a flow chart showing sequentially the operation for the preferred embodiment of the payment system according to the present invention.

3A and 3B are flowcharts sequentially showing operations of the payment server in the preferred embodiment of the payment system according to the present invention.

Figure 4 is a block diagram showing another embodiment of the payment system according to the invention as a whole.

Figure 5 is a schematic diagram showing another embodiment of the payment system according to the invention as a whole.

6 is a block diagram showing the configuration of a payment server of the payment system according to the present invention.

<Explanation of symbols for the main parts of the drawings>

100: caller terminal

110: receiver terminal

120: telephone exchange network

130: payment server

140: user database

150: Banking Computer System

160: credit card company computer system

170: computer system of the cash settlement institution

600: user database

610: data transmission and reception unit

620: data encryption unit

630: random number generation unit

640: authentication unit

Claims (19)

In a billing system in which a caller places an order to a receiver using the communication terminal, pays for it, and outputs a receipt to the receiver terminal, A caller terminal for making a call connection request by the caller to the called terminal; A telephone exchange network that transmits a call connection signal to a receiver terminal and transmits the telephone numbers of the receiver terminal and the caller terminal to a billing server and requests a service when a call connection request from the caller terminal is generated; In response to the service request from the telephone exchange network, authentication of the caller and the receiver terminal is performed, the payment amount transmitted from the receiver terminal is transmitted to the caller terminal, and the payment approval information is received from the server of the payment institution. A payment server for transmitting the sender additional information to the receiver terminal; A server of a payment institution that receives payment amount and identification information about the sender from the payment server, and transmits payment approval information to the payment server when the payment is normally processed; A receiver terminal for encrypting payment amount and identification information for the receiver terminal and transmitting the encrypted payment information to the payment server, or receiving payment approval information and sender additional information from the payment server, and outputting the receipt using the payment approval information and the sender additional information; Including, the payment system that outputs the receipt to the receiver terminal at the same time as the order and payment using the caller's communication terminal. The method of claim 1, wherein the payment server A data transceiver for receiving a caller's telephone number from the telephone exchange network or transmitting and receiving data to the outside; A data encryption unit for generating a sender unique number for the sender and encrypting the sender; When predetermined data is transmitted from the receiver terminal through the data transmission and reception unit, an authentication performing unit for performing an authentication procedure for the receiver terminal using the caller unique number and the data transmitted from the receiver terminal, The payment system, characterized in that for transmitting the data encrypted by the data encryption unit using a data transmission and reception unit. The system of claim 1, wherein the payment server includes a user database for storing and managing identification information and additional user information of registered users, wherein the user database includes a wired / wireless telephone number, a password, and a social security number. Billing system, characterized in that consisting of at least one item of, name, credit card number, address. The payment system according to claim 3, wherein the payment server checks the identity of the user corresponding to the telephone number of the caller terminal and authenticates the caller using the user database. The method of claim 2, wherein the payment server A random number generator for generating a random number and synchronizing the generated random number with a receiver terminal; The authentication performing unit detects the terminal serial number corresponding to the call number of the receiver terminal from a database, and uses the random number synchronized with the receiver terminal by the random number generator, using the caller unique number and the terminal serial number of the receiver terminal. The payment system, characterized in that for performing the authentication process for the data transmitted from the terminal. A user database that stores and manages information on registered users; Data that receives the telephone number of the calling party's terminal and the calling party's terminal from the telephone exchange network, sends and receives data with the calling party's terminal and the recipient's terminal, or sends payment approval information and additional sender's additional information received from the server of the payment institution to the recipient terminal. A transceiver; A data encryption unit for generating a caller identification number for the telephone number of the caller terminal and encrypting the generated caller identification number; A random number generator for generating a random number and synchronizing the fished random number with the receiver terminal; And After receiving the encrypted information from the receiver terminal, an authentication performing unit for performing an authentication procedure for the encrypted information received from the receiver terminal using the caller unique number, the call number of the receiver terminal and the random number Payment server, characterized in that it comprises a. The method of claim 6, wherein the encrypted information transmitted from the payment server to the receiver terminal includes a payment amount and a serial number of the receiver terminal, wherein the information is synchronized with the encrypted caller identification number and the payment server. Payment server, characterized in that encrypted using a random number. According to claim 6, When the caller makes a cash payment, the billing server transmits the payment amount and identification information for the sender to the cash receipt computer system, payment approval including a payment authorization number from the cash receipt computer system Payment server, characterized in that receiving information. The payment server according to claim 6, wherein when the caller makes a payment by credit card, the payment server transmits the payment amount and information necessary for the credit card payment to the computer system of the credit card company, and sends the payment approval number from the computer system of the credit card company. The payment server, characterized in that receiving payment approval information including. 7. The method of claim 6, wherein when the caller makes a payment using a telephone bill postpaid, the billing server transmits the payment amount and information on the caller's terminal to the billing system of the telephone exchange network, and sends the billing approval information from the billing system. Payment server, characterized in that the transmission. In the payment method in the payment system that allows the sender to order and pay for goods or services using a communication terminal, and the receiver can issue a receipt for such a transaction, (a) receiving telephone numbers of a calling party terminal and a called party terminal from a telephone exchange network; (b) generating a calling party unique number for the telephone number of the calling party terminal, generating a random number, and synchronizing the generated random number with the called party terminal; (c) encrypting the sender unique number and transmitting it to the receiver terminal; (d) receiving encrypted information from the receiver terminal; (e) detecting from the database a serial number of the receiver terminal corresponding to the call number of the receiver terminal; (f) performing an authentication procedure on the received information from the receiver terminal using the sender unique number, a random number synchronized with the receiver terminal, and a serial number of the receiver terminal; (g) transmitting the payment amount to the sender, receiving a password from the sender and using the same to perform an authentication procedure for the sender; (h) transmitting payment related information to a server of a predetermined payment institution and receiving payment approval information from a server of a payment institution; (i) transmitting the payment approval information and the sender additional information to the receiver terminal; With the payment method that the caller can be ordered and payment using the phone and the receipt can be output to the receiver terminal at the same time. A first user places an order with a second terminal of a second user, an ordering agency, by using the first terminal as an orderer, pays for it, and outputs a receipt to a third terminal of a third user, a service provider. In the payment system to be made, A telephone exchange network which connects the calls of the first user terminal and the second user terminal and transmits the telephone numbers of the second terminal and the first terminal to a payment server and requests a service; In response to the service request from the telephone exchange network, the first and second terminals are authenticated, the payment amount transmitted from the second terminal is transmitted to the first terminal, and the payment approval information is received from the server of the payment institution. A payment server for transmitting payment approval information and additional information about the orderer to the second terminal or the third terminal; A server of a payment institution receiving payment amount and identification information about an orderer from the payment server, and transmitting payment approval information to the payment server when payment is normally processed; A second terminal for encrypting payment amount and identification information for the second terminal and transmitting the encrypted amount to the payment server or receiving payment approval information and orderer additional information from the payment server; Comprising a payment system that the receipt is output to the second or third terminal at the same time the order and payment of the orderer is completed. The billing system of claim 12, wherein the second user is a call center that acts on an ordering service or a telemarketing service of the third user. In a billing system in which a user connects to a predetermined web server, places an order and pays a fee, and outputs a receipt to a terminal of a service provider. A web server for receiving an order from connected users and making a payment for the order, and transmitting order information and payment information for the orderer to the telephone exchange network; A telephone exchange network that transmits order information, order information, and payment information to a payment server and requests a service when receiving order information and payment information from the web server; In response to the service request from the telephone exchange network, authentication of the terminal of the orderer and the service provider is performed, and when payment approval information is received from the server of the payment institution, the payment approval information and the additional orderer information are transmitted to the terminal of the service provider. A billing server; A server of a payment institution receiving payment amount and identification information about an orderer from the payment server, and transmitting payment approval information to the payment server when payment is normally processed; A terminal of a service provider for receiving payment approval information and orderer additional information from a payment server and outputting a receipt using the payment approval information; Including, the purchaser completes the order and payment using the web server at the same time the payment is output to the service provider terminal payment. 15. The method according to claim 1, 12 or 14, wherein when the payment method is a wire transfer method or a communication fee summation method, the payment server postpones the time at which the payment is actually executed for a predetermined period of time. Payment system. In the payment method in the payment system in which a caller orders and pays for goods or services through a telephone exchange network using a communication terminal, and a receiver issues a receipt for such a transaction, (a) receiving a payment amount from a receiver terminal; (b) transmitting the received payment amount to a caller terminal through a telephone exchange network and requesting input of a payment password for a payment means; (c) receiving a payment password from the caller terminal and performing authentication on the sender using the payment password; (d) transmitting the payment password and the payment information to a server of a payment institution and requesting payment approval for the sender; (e) receiving payment approval information from a server of the payment institution; (f) transmitting the payment approval information and the sender additional information to the receiver terminal; With the payment method that the caller can be ordered and payment using the phone and the receipt can be output to the receiver terminal at the same time. In the billing server linked to the telephone exchange network, when the orderer makes a telephone order to the call center through the telephone exchange network, the authentication performing method for authenticating the orderer and the call center, (a) receiving a payment request from the call center through the telephone exchange network according to an order of an orderer using a communication terminal; (b) generating a random number in real time and synchronizing the generated random number with the call center; (c) receiving encrypted payment information and call center identification information using the random number from the call center and authenticating the call center using the received information; (d) requesting an orderer terminal to input a payment password; (e) performing authentication on the orderer using the payment password transmitted from the orderer terminal; Including, authentication method for performing the authentication of the orderer and the call center. 18. The method of claim 17, wherein all data transmitted and received through the network is encrypted using an encryption algorithm and then transmitted and received. The telephone exchange network of claim 1, wherein the telephone exchange network determines whether the receiver is a registered user when a call connection request from the caller terminal occurs, and if the receiver is a registered user, simultaneously transmits a call connection signal to the receiver terminal. The payment system, characterized in that for transmitting the phone number of the receiver terminal and the caller terminal to the payment server and transmits a service request signal.