KR20080030921A - Method and system for settling goods price - Google Patents

Abstract

A method and a system for paying for a goods price are provided to enable a buyer making an order with a phone to pay for the price conveniently by using a communication terminal without exposing personal information of the buyer, or within making the buyer perform reconnection or reentry for payment after the order. A communication provider system(100), which consists of a BS(Base Station)(200), a BS controller(202), an originating exchange(204), a home location register(206) and a destination exchange(208), sets up connection between buyer and seller terminals(104,106) by a call request of a buyer, and switches the call to a PG(Payment Gateway) server(102) when a payment request including payment amount information is received from the seller terminal. The PG server transmits a payment guide message including at least one of seller, goods, and payment amount information by setting the connection with the buyer terminal when the payment request is received, and determines to approve payment by using response information received from the buyer terminal in response to the payment guide message. After receiving location information of a seller terminal from the home location register, a communication path is set up between the originating exchange and the destination exchange. Then, the destination requests a destination from the seller terminal, and a wireless section is connected between the buyer and seller terminals if the seller terminal responds to the request.

Description

Method and System for Settling Goods Price}

The present invention relates to a method and system for payment of commodity prices, and more particularly, to a method and system for enabling a convenient payment for goods or services using a communication terminal.

Due to the general dissemination of computers and the development of network technology, online shopping malls are greatly activated, and many users purchase various products at online shopping malls.

However, even in such a situation that online shopping malls are active, telephone orders are mostly occupying the sale of small products such as delivery restaurants.

In the past, when a small item was ordered by phone, it was common for the buyer to pay in cash at the same time as the delivery of the product, but recently, the seller of the product has a card terminal and pays with the buyer's credit card. It uses a payment method by requesting a credit card number and password from a buyer.

In addition, in the telephone order sale, online bank transfer, mobile phone, etc. may be used as a payment method.

However, although many buyers are using credit cards as a payment method, there is a security problem because personal information such as credit card numbers and passwords are exposed when commodity payments are made.

In addition, online account transfer requires that the purchaser be subscribed to a financial institution's telebanking or internet banking service, etc., and also provides inconvenience to the buyer due to the hassle of transferring after the product purchase decision and remittance fee. have.

Payment using a mobile phone also has a problem in that it provides inconvenience to the user because it requires a complicated procedure for payment of the product price, such as re-entering the mobile number and re-entering the approval number after receiving the SMS.

On the other hand, when receiving a cash payment at the same time as the supply of goods in the phone order there is a problem that the seller does not receive payment for the goods when the buyer makes a false order to the address of the other user.

The present invention to solve the problems of the prior art as described above, to propose a product price payment method and system that allows the buyer to make a payment for the product price conveniently.

Another object of the present invention is to provide a method and system for payment for commodity price in which personal information of a buyer is not exposed.

Another object of the present invention is to provide a product payment method and system that does not require a buyer to reconnect and reenter the product after ordering the product.

According to a preferred embodiment of the present invention to achieve the above object, the goods payment in the proxy payment server connected via the network with at least one of the terminal and the telecommunications operator system of the buyer and seller who trades the goods through the telephone order A method of making a proxy payment, comprising: (a) receiving a payment request including payment amount information from the seller terminal; (b) a payment guide message by establishing a connection with the buyer terminal through switching to a currency of the communication service provider system when the payment request is received; the payment guide message includes at least one of seller information, product information, and payment amount information; Transmitting-; And (c) determining whether to approve payment using the response information received from the buyer terminal in response to the payment guide message.

According to another aspect of the present invention, a computer readable recording medium for performing the above method is provided.

According to another aspect of the present invention, a method for substituting payment for a commodity price in a telecommunications operator system connected through a network with at least one of a terminal and an agent payment server of a buyer and a seller who trade a commodity through a telephone order, (a) Establishing a connection between the buyer terminal and the seller terminal according to the purchaser's request to send; (b) if there is a payment request including payment amount information of the seller terminal, establishing a connection between the buyer terminal and the agency payment server through switching to a currency; (c) receiving payment information approved by the proxy payment server through response information received from the buyer terminal; And (d) adding the settlement amount to the caller's call rate to generate billing information, wherein the proxy settlement server establishes a connection with the purchaser terminal when switching to the currency. The guide message includes at least one of seller information, product information, and payment amount information, and a payment method for a product price for receiving corresponding response information is provided.

According to another aspect of the present invention, a system is connected to at least one of a terminal of a buyer and a seller who trades a product through a telephone order through a network, and is connected between the buyer terminal and the seller terminal according to a request from the buyer. A communication service provider system configured to switch to a currency when there is a payment request including payment amount information of the seller terminal; And establishing a connection with the purchaser terminal upon receiving the payment request, and transmitting a payment guide message, wherein the payment guide message includes at least one of seller information, product information, and payment amount information. Provided is a product payment system including an agency payment server that determines whether to approve payment using the response information received from the purchaser terminal.

According to the present invention can provide a convenience of payment to the buyer, the seller has the advantage of ensuring the safety of the transaction as well as the convenience of payment.

As the invention allows for various changes and numerous embodiments, particular embodiments will be illustrated in the drawings and described in detail in the written description. However, this is not intended to limit the present invention to specific embodiments, it should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention. In describing the drawings, similar reference numerals are used for similar elements.

When a component is referred to as being "connected" or "connected" to another component, it may be directly connected to or connected to that other component, but it may be understood that other components may be present in between. Should be. On the other hand, when a component is said to be "directly connected" or "directly connected" to another component, it should be understood that no other component exists in the middle.

The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting of the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this application, the terms "comprise" or "have" are intended to indicate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, and one or more other features. It is to be understood that the present invention does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, components, or a combination thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art. Terms such as those defined in the commonly used dictionaries should be construed as having meanings consistent with the meanings in the context of the related art and shall not be construed in ideal or excessively formal meanings unless expressly defined in this application. Do not.

 Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, the same reference numerals will be used for the same means regardless of the reference numerals in order to facilitate the overall understanding.

1 is a view schematically showing a product price payment system according to an embodiment of the present invention.

As shown in FIG. 1, the product payment system according to the present invention may include a telecommunications operator system 100 and an agency payment server 102. The carrier system 100 and the agency payment server 102 are connected to the purchaser terminal 104 and the seller terminal 106 via a network.

The network may include both the Internet, a wired network including a dedicated line, and a wireless network including a wireless Internet, a mobile communication network, and a satellite communication network.

The purchaser terminal 104 and the seller terminal 106 may include a computing device equipped with a call function through a landline telephone, a mobile communication terminal, and a Voice over Internet Protocol (VoIP), and may also provide a call service. Can be applied without limitation.

The payment method for goods according to the present invention may be made when a buyer requests a seller to supply goods through a telephone order, thereby establishing a connection (call channel) between the purchaser terminal 104 and the seller terminal 106. Provided is a telecommunications operator system 100.

The communication service provider system 100 includes all of the systems of a wired telephone service provider, a mobile communication service provider and a VoIP communication service provider, and controls voice calls, various additional services, and performs a call connection process.

According to the present invention, when a buyer requests a seller to purchase a product through the buyer terminal 104 and the seller requests a payment according to the buyer's request, the telecommunication service provider system 100 may purchase the buyer terminal 104. And switching between the proxy payment server 102 and the currency.

Here, switching to a currency means a process of disconnecting the connection between the purchaser terminal 104 and the seller terminal 106 and establishing a connection between the purchaser terminal 104 and the proxy payment server 102.

However, without regard to the term, if the buyer terminal 104 changes to a state capable of receiving a predetermined message of the proxy payment server 102 may be included in the category of switching to the call.

The seller's payment request may be made through the seller terminal 106. For example, the seller inputs a predetermined key button (eg, a “*” button) and a payment amount through the keypad of the seller terminal 106. Can be done in the case.

According to the present invention, the line of the seller terminal may be set in advance so as to make a payment request. When the key signal corresponding to the key button is received as described above, the communication service provider system 100 may recognize that there is a payment request from the seller upon receiving the key signal, and through this, the buyer terminal 102 and the agency payment server ( 102) performs a switching process to a call to establish a connection between.

In this case, when there is a payment request of a seller including payment amount information, the telecommunication service provider system 100 may transmit the seller information and the payment amount information requested for payment to the agency payment server 102 before switching to the currency. .

The agency payment server 102 is connected to the communication service provider system 100, the purchaser terminal 104 and the seller terminal 106 through the above-described network to perform the payment processing process for the supply of goods of the seller.

In the following, the agency payment server 102 will be described as a separate server connected to the network operator system 100, but this is only an example, the agency payment server 102 is included in the carrier system 100 LAN, etc. It will be appreciated by those skilled in the art that the present invention may be included even when connected to the same.

According to the present invention, the agency payment server 102 has an automatic response system (ARS), and when there is a payment request from the seller as described above, an automatic response guide message (payment guide) to the purchaser terminal 104. Message). The automatic response guide message may include a payment start message, a payment amount guide message, a payment approval message, and the like regarding the entire payment processing process.

In addition, the agency payment server 102 receives the response information of the buyer terminal 104 to the payment guide to determine whether the payment is approved.

As described above, when the seller requests a payment, the agency payment server 102 may receive the payment amount information and the seller information together from the telecommunication service provider system 100, and transmit the same to the purchaser terminal 104. 104) and response information thereto.

The response information of the purchaser terminal 104 for payment processing may include guided buyer's approval information such as seller information, purchased product information, and payment amount.

In addition, the response information may include authentication information for buyer authentication, and may include, for example, a buyer's social security number, a phone number, and a PIN (Personal Identification Number) Code.

In addition, the agency payment server 102 may transmit the payment completion information to the seller, if the payment is approved. According to the present invention, the process of transmitting the payment completion information to the seller can be made in various ways, which will be described in detail below.

Meanwhile, according to an exemplary embodiment of the present invention, after the payment is made, the agency payment server 102 transmits the payment information to the communication service provider system 100.

In this case, the payment information may include buyer information, a list of purchased products, seller information, a payment amount, and the like.

The telecommunication service provider system 100 calculates a call charge through the call detail record of the purchaser terminal 104 and simultaneously calculates a payment amount including the above payment information in the call charge and charges the billing information for each preset period. Create

As described above, in the present invention, when there is a request to purchase a product of the buyer terminal 104, the agency payment server 102 immediately handles the payment of the product price while the call state of the buyer terminal 104 is maintained. Will be added to the buyer's currency rate.

Therefore, according to the present invention, the buyer can pay for the goods without exposing personal information such as credit card information, and even if they do not have cash, they can conveniently pay for the goods through the post-billing charge. Can be.

In the case of using the same product payment method described above, since the price of the product is settled at the call rate of the terminal 104 held by the buyer, it is possible to prevent fraudulent orders of cheating the address from the telephone order, thereby allowing the seller to securely It will be able to supply and recover the goods.

As described above, the product payment system according to the present invention includes a telecommunications operator system 100. For example, a case where both the buyer and the seller are mobile subscribers will be described in detail with reference to a call path in the service provider system 100 and a call path switching to the proxy payment system 102.

FIG. 2 is a diagram illustrating a detailed configuration of the service provider system of FIG. 1.

As shown in FIG. 2, the carrier system according to the present invention is a system of a mobile carrier, which includes a base station 200, a base station controller 202, an originating exchange 204, a home location register 206, and a destination exchange ( 208).

Here, the mobile telecommunication operator system illustrated in FIG. 2 may include all CDMA, WCDMA, and GPRS communication networks.

The base station 200 is connected to the mobile terminal (104, 106) of the buyer and seller in a wireless section to control the terminal (104, 106), and connects the call channel.

The base station controller 202 manages several base stations 200 and interworks with the switch 204 to perform radio resource allocation and interface management between other external network elements.

When the purchaser terminal 104 makes a call request by entering the number of the seller terminal 106, the call request is transmitted to the call exchanger 204 via the base station 200 and the base station controller 202.

The originating exchange 204 requests the home location register 206 for the location of the seller terminal 106 corresponding to the called number included in the origination request, and the location of the seller terminal 106 from the home location register 206. Receive information.

After receiving the location information, a call path is established between the originating exchange 204 and the destination exchange 208.

Then, when the destination exchange 208 requests the seller terminal 106 to receive the call and the seller terminal 106 responds to the incoming request, a wireless section is connected between the buyer terminal 104 and the seller terminal 106. do.

According to the wireless section connection, the seller can listen to the purchaser's request to purchase a product, a product delivery address, etc., and can notify the buyer of the payment amount of the product.

When the payment amount is confirmed, the seller requests the payment through the seller terminal 106, and thus a wireless section is connected between the purchaser terminal 104 and the agency payment system 102.

The payment request may be made when the seller inputs a preset key button and payment amount, and may be transmitted to the destination exchange 208 shown in FIG. 2.

3 is a view showing a detailed configuration of the exchange according to the present invention, it may be a detailed configuration of the call exchange of FIG.

As shown in FIG. 3, the exchange according to the present invention may include a currency path switching unit 300, a CDR generation unit 302, and a charging information generation unit 304.

When the destination exchange 208 receives the payment request, it may be transferred to the originating exchange 204 side, where the call path switching unit 300 of the originating exchange 204 substitutes for the call path of the purchaser terminal 104. Switch to the payment system 102 side.

Here, the originating exchange 204 may transmit the seller information and the payment amount information to the agency payment server 102 before switching to the currency, and together with the detailed information about the buyer terminal 104 to be established. have.

The CDR generation unit 302 collects and records call detail data of a mobile communication subscriber and calculates a call rate by collecting call detail data while a purchaser purchases a product.

The CDR generation unit 302 according to the present invention has a wireless section between the CDR and the purchaser terminal 104 and the proxy payment system 102 during the time when the wireless section is connected between the purchaser terminal 104 and the seller terminal 106. The CDRs for the concatenated time can be generated separately, and the call charges can be charged to the buyer for the former and the proxy payment system 102 for the latter.

On the other hand, after switching to the currency, the agency payment system 102 performs the payment processing of the product price to the buyer 104 by the ARS method, and transmits the payment information to the originating exchange 204 side after the payment is completed.

In this case, the billing information generation unit 304 performs a process of generating billing information for the buyer by adding the settlement amount included in the settlement information to the caller's call charge according to the CDR for each preset period.

The buyer will make a final payment through the bill provided by the telecommunications provider, the agency payment server 102 pays the settlement amount to the seller at a predetermined time point.

Although the above has been described as generating switching, CDR generation, and charging information on a call in the originating exchange 204, this is only an example and may be performed by another system connected to the originating exchange 204.

In addition, when the terminal of the buyer and the seller in Figure 2 is a landline telephone, the configuration such as the base station 200, the base station controller 202 and the home location register 206 may be omitted.

Referring back to FIG. 2, the agency payment system 102 is connected to the purchaser terminal 102 through an exchange network of the telecommunication service provider system 100 to handle payment for goods.

Payment processing of the proxy payment server 102 will be described in detail with reference to FIG.

4 is a diagram illustrating a detailed configuration of an agency payment server according to the present invention.

As shown in FIG. 4, the agency payment server 102 according to the present invention includes a terminal communication unit 400, an order ID generation unit 402, an ARS guide message storage unit 404, a payment processing unit 406, and payment confirmation. It may include a processor 408 and a controller 410.

The terminal communication unit 400 establishes a connection with the purchaser terminal 104 when the seller requests payment through the communication service provider system 100.

According to the present invention, when the seller requests a payment, a connection may be established between the agency payment server 102 and the seller terminal 106.

When the seller confirms the payment, the proxy payment server 102 should know in advance the identification information of the order processed for the payment.

That is, when the agency payment server 102 notifies the seller of payment completion through the Internet, SMS, and phone call, the seller may know the order ID to confirm which payment has been made.

To this end, the terminal communication unit 400 first establishes a connection with the seller terminal 106 when the seller requests a payment, and transmits the order ID generated by the order ID generator 402 to the seller terminal 106. .

The order ID may be randomly generated or may be generated with identification information distinguished by seller.

After transmitting the order ID to the seller terminal 106, the terminal communication unit 400 is connected to the buyer terminal 104.

The terminal communication unit 400 sequentially transmits the guide message stored in the ARS guide message storage unit 404 to the purchaser terminal 104 according to a preset algorithm through the control of the controller 410.

The ARS guide message may be transmitted to the purchaser terminal 104 in a predetermined order according to the payment processing order.

The ARS guide message may include seller information, product information, and payment amount information included in the payment request of the seller, and the buyer may listen to the information and transmit response information thereto.

The payment processing unit 406 receives the buyer's response information to determine whether to approve the payment.

For example, when a buyer approves payment through a preset key button after listening to seller information, product information, and payment amount information, the payment processing unit 406 determines whether the payment approval information is received and finally makes a payment. Determine whether to approve

After the settlement process is completed, the settlement confirmation processing unit 408 transmits settlement completion information to the seller.

According to the present invention, the payment confirmation process can be made in various ways.

For example, the payment confirmation processor 408 may transmit a payment complete message to the seller terminal 106 when the terminal communication unit 400 and the seller terminal 106 are reconnected after the payment is approved.

In addition, the payment confirmation processing unit 408 may be a payment confirmation in a manner that transmits a short message containing the payment completion information to the seller terminal 106 through the mobile communication service provider system.

On the other hand, the payment confirmation processing unit 408 may upload the payment completion information to a predetermined web server, in this case the seller pays for the goods supplied by accessing the web server through the computer 210 as shown in FIG. You can check the completion information.

The controller 410 controls the overall payment processing in the agency payment server 102.

Meanwhile, the agency payment server 102 according to the present invention may further include a database 412, and the database 412 stores information such as a seller list, a product list of each seller, an agency payment list, a buyer list, and the like. .

In the following, with reference to Figures 5 to 7 looks at the product price payment process according to the invention sequentially.

5 to 7 illustrate an example in which a buyer and a seller order a product through a mobile communication terminal as shown in FIG.

5 is a flowchart illustrating a product order and product price payment process according to the present invention.

Referring to FIG. 5, when the purchaser terminal 102 makes a call request (step 500), the communication service provider system 100 checks the position of the seller terminal 106 corresponding to the called party and establishes a call path between the calling and receiving exchanges. Is set (step 502).

After establishing a call, the telecommunications operator system 100 requests the seller terminal 106 to receive the call (step 504).

When the seller terminal 106 responds to the incoming request, a wireless section is connected between the purchaser terminal 104 and the seller terminal 106 to perform a product order process (step 506).

When the payment amount is confirmed between the buyer and the seller, and the seller requests a payment (step 508), the telecommunication service provider system 100 receives the payment request of the seller and switches to the currency (step 510).

Prior to switching to the currency, the telecommunication service provider system 100 transmits the seller information requesting the payment to the agency payment server 102 and information on the payment amount input by the seller to the agency payment server 102.

After switching to the currency, the buyer terminal 104 and the proxy payment server 102 are connected, and performs a payment approval process (step 512).

After the payment is completed, the agent payment server 102 transmits the payment information to the communication service provider system 100 (step 514), and notifies the seller of the payment completion (step 516).

The service provider system 100 generates the billing information by adding the payment amount to the purchaser's call rate (step 518).

6 is a flowchart illustrating a payment processing process according to the present invention.

6 illustrates a process performed when the seller requests a payment through input of a predetermined key button.

Referring to FIG. 6, the agency payment server 102 receives a seller's payment request (step 600) and generates an order ID for the corresponding payment request (step 602).

As described above, the order ID may be randomly generated. Alternatively, the order ID may be generated to include seller identification information, product identification information, and the like.

The proxy payment server 102 transmits the generated order ID to the seller terminal 106 (step 604).

As such, when the order ID is provided to the seller, the switching process of the currency of the service provider system 100 may be performed for the seller and the buyer, respectively.

Subsequently, the agency payment server 102 transmits an ARS payment guide message to the buyer terminal after establishing a connection with the buyer terminal 104 (step 606).

Here, the ARS payment guide message transmitted to the purchaser terminal 104 by the proxy payment server 102 is generated according to the payment amount information input from the seller terminal 106 and the seller information transmitted from the carrier, and thus the buyer terminal 104. ) May be sent.

The buyer terminal 104 transmits the buyer's response information according to the guidance of the ARS guidance message to the proxy payment server 102 (step 608).

The agency payment server 102 determines whether to approve payment based on the received response information (step 610), and transmits payment completion information to the seller terminal 106 when the payment is approved (step 612).

7 is a flowchart illustrating a payment confirmation process according to the present invention, and shows a process of the settlement payment server 102 notifying the seller of the payment completion.

Referring to FIG. 7, when payment is approved through the buyer's response information (step 700), the agency payment server 102 performs a payment confirmation process (step 702).

Here, the payment confirmation process may be performed in at least three ways.

First, after the payment is approved, the agency payment server 102 establishes a reconnection with the seller terminal 106 (step 704) and transmits a payment completion message to the seller terminal 106 (step 706).

Second, after the payment is approved, the agency payment server 102 requests the carrier system 100 to transmit the short message to the seller terminal 106 (step 708), and third, the web server to which the seller's computer can access. The payment completion information is uploaded to the back and the like (step 710).

The first method may be useful when the seller terminal is a wired telephone, and the second method may be useful when the seller terminal is a mobile communication terminal, and the third method when the seller can easily access the Internet.

According to the present invention, after the settlement completion notification, the proxy payment server 102 may receive the seller's response information (step 712).

The seller's response information may be a payment amount correction request, and the proxy payment server 102 determines whether there is a payment amount correction (step 714).

If there is a payment amount correction, the agent payment server 102 may proceed to step 514 of FIG. 5, and if there is no payment amount correction, the payment information may be generated and the payment information is transmitted to the telecommunication service provider system 100 ( Step 716).

Accordingly, the telecommunication service provider system 100 generates a bill by calculating a payment amount in the call charge for the buyer and delivers it to the buyer.

According to the present invention, the payment of the product price is provided while the currency is maintained between the buyer and the seller, so that the buyer can be provided with convenience, and also the user can conveniently pay even if he / she does not have a cash or credit card. do.

Preferred embodiments of the present invention described above are disclosed for purposes of illustration, and those skilled in the art will be able to make various modifications, changes, and additions within the spirit and scope of the present invention. Additions should be considered to be within the scope of the following claims.

1 is a view schematically showing a product payment system according to an embodiment of the present invention.

2 is a diagram showing the detailed configuration of the telecommunications operator system of FIG.

Figure 3 shows a detailed configuration of the exchanger according to the present invention.

4 is a diagram illustrating a detailed configuration of an agency payment server according to the present invention.

5 is a flow chart illustrating a product order and product payment settlement process according to the present invention.

6 is a flowchart illustrating a payment processing process according to the present invention.

7 is a flowchart illustrating a payment confirmation process according to the present invention.

Claims (15)

A method for proxy payment of goods on a proxy payment server connected through a network with at least one of a terminal and a service provider system of a buyer and a seller who trade goods through a telephone order, (a) receiving a payment request including payment amount information from the seller terminal; (b) transmitting a payment guide message, wherein the payment guide message includes at least one of seller information, product information, and payment amount information by establishing a connection with the buyer terminal through switching to a currency when receiving the payment request; ; And and (c) determining whether to approve payment by using response information received from the purchaser terminal in response to the payment guide message. The method of claim 1, The step (a) is a product price payment method that is performed when a predetermined key signal is input to the seller terminal. The method of claim 1, (d) further comprising the step of delivering payment completion information to the seller after the payment approval decision. The method of claim 3, The step (d) comprises the step of establishing a connection with the seller terminal after the payment approval decision comprising the step of transmitting a payment completion message. The method of claim 3, The step (d) comprises the step of requesting a predetermined mobile communication provider system to send a short message containing payment completion information to the mobile communication terminal possessed by the seller. The method of claim 3, The step (d) includes the step of uploading payment completion information to the web server that the computer of the seller can access through the Internet. The method of claim 3, If there is a payment amount correction request from the seller receiving the payment completion information, the product price payment method repeating the steps (b) to (c). The method of claim 1, And prior to the step (b) further comprises the step of establishing a connection with the seller terminal through the switching to the currency of the carrier system system and transmitting the order ID corresponding to the payment request. The method of claim 1, The payment guide message is an automatic response message price payment method. A computer-readable recording medium having recorded thereon a program for performing the method according to any one of claims 1 to 9. A method of making a payment for goods on a service provider system that is connected through a network with at least one of a terminal and an agent payment server of a buyer and a seller who trade goods through a telephone order, (a) establishing a connection between the buyer terminal and the seller terminal according to the purchaser's request to send (b) if there is a payment request including payment amount information of the seller terminal, establishing a connection between the buyer terminal and the agency payment server through switching to a currency; (c) receiving payment information approved by the proxy payment server through response information received from the buyer terminal; And (d) adding the payment amount to the purchaser's currency rate to generate charging information, The proxy payment server establishes a connection with the buyer terminal when switching to the currency to transmit a payment guide message, wherein the payment guide message includes at least one of seller information, product information, and payment amount information. How to pay for your items to receive the information. The method of claim 11, Prior to the step (b) comprises the step of establishing a connection between the merchant terminal and the agency payment server through switching to the currency, The proxy payment server is a product price payment method for transmitting the order ID corresponding to the payment request to the seller terminal. The method of claim 11, In the step (b), when the preset key signal is input to the seller terminal, the payment request for the product price. The method of claim 11, Comprising the step of establishing a connection between the seller terminal and the agency payment server through switching to the currency after the payment approval is completed in the agency payment server, The agency payment server billing product payment method for transmitting a payment complete message to the seller terminal. A system in which a network is connected to at least one of a terminal of a buyer and a seller who trades a product through a telephone order, A communication service provider system that establishes a connection between the purchaser terminal and the seller terminal according to the purchaser request from the buyer, and performs switching to a currency when a payment request including payment amount information of the seller terminal exists; And Upon receiving the payment request, establish a connection with the buyer terminal to transmit a payment guide message, wherein the payment guide message includes at least one of seller information, product information, and payment amount information. And a proxy payment server that determines whether to approve payment using response information received from the buyer terminal.

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