KR20080043058A - A method for credit card phone-bill - Google Patents

Abstract

A method for performing credit card payment with a mobile terminal by using a voice call is provided to enable a buyer to perform payment without any credit card, cash, and the mobile terminal by performing the payment through the voice call, and enable an old person or a child to perform the payment easily by making a remote payer perform the payment instead of the old person or the child. An approval relay server receives credit card information and a mobile number of a payer from a card approval server, and registers the credit card information and the payer mobile number to an approval relay server. The approval relay server receives a payment request of a buyer by receiving seller information, payment information, and the payer mobile number from an online/offline shop(S32). The approval relay server transfers the seller and payment information to the payer by dialing the payer mobile and requests the payer to input the payment password(S33). The approval relay server receives the payment password in the voice from the payer, and requests payment approval by transferring the payer mobile number, the credit card information, and the voice payment password to a card approval server(S36). The approval relay server receives payment approval information from the card approval server(S37).

Description

How to pay by mobile phone credit card using voice call {A METHOD FOR CREDIT CARD PHONE-BILL}

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

2 is a flowchart illustrating a mobile phone subscription procedure for an approval relay system according to the present invention.

3 is a flowchart illustrating a webpage subscription procedure for an approval relay system according to the present invention.

4 is a flowchart illustrating a credit card payment method through a mobile phone in an offline store according to the present invention.

5 is a flowchart illustrating a credit card payment method using a mobile phone in an online shopping mall according to the present invention.

The present invention relates to a mobile phone credit card payment method using a voice call, and more particularly, a voice call for approving a credit card payment to a mobile phone of a payer through a voice call when a purchaser makes a purchase online or offline. It relates to the payment method of a mobile phone credit card used.

Hyundai is showing the rapid development of the mobile communication field and the penetration rate of mobile phones beyond general telephones in the age of mobile phones.

On the contrary, the activation of credit cards, etc., has reduced the number of people carrying cash, and payments can be made without a credit card or cash. Providing a service.

However, these services have the risk of identity theft and credit card number theft online, and complicated user authentication procedures have been devised to compensate for this. There are many problems with offline credit card loss and theft, and the user is further demanded for thorough management of the credit card.

On the other hand, these services must go through a complicated process of signing up for an expensive mobile phone Internet or re-entering and authenticating an SMS authorization number.

In addition, this complex payment process is basically troublesome even for the younger, pays high fees in addition to the payment amount, and it is impossible for the buyer to pay without the mobile phone. It is difficult to actually use it because of the inconvenience of using the click safe.

The present invention has been made to solve the above-mentioned problems of the prior art, the buyer can pay without a credit card, cash, mobile phone, the user can call and pay by voice, not text, even if the elderly To provide a mobile phone credit card payment method using a voice call to facilitate the use.

In addition, mobile phone credit using voice calls is configured so that purchasers and payers do not have to be the same person so that parents can make payments for their children's purchases at home or in the office, or make payments for old parents' purchases. It is to provide a card payment method.

In addition, by allowing the payer to decide whether or not to approve the final payment on his / her mobile phone, he / she can rest assured even if the online ID and credit card are stolen or the offline credit card is lost.In addition, information such as credit card number is exposed during the payment process. It is not to provide a mobile phone credit card payment method using a voice call that can be safely used in the management of password even when the mobile phone is lost or pirated.

In addition, the seller, the buyer and the payer can be used without any additional costs or changes in the surrounding environment, and can be used at the same time as the subscription in using the payment system according to the present invention, by entering a mobile phone number to be used for payment to the credit card company After the sign-up process, the voice approval password is to provide a mobile phone credit card payment method using a voice call to be registered as a separate password or credit card password registered at the time of registration.

Mobile phone credit card payment method using the voice call of the present invention for achieving the above technical problem is (a) credit card information issued by the payer from the card company approval server 151 connected to the authorization relay server 131 interface; Handing over the mobile number to be used for payment and registering it in the approval relay DB 132; (b) receiving, by the approval relay server 131, a payment request of a buyer by receiving seller information, payment information, and a mobile phone number of a payer transmitted from an on-line store; (c) If the approved relay server 131 is a seller of which the received seller information is registered, the seller information and payment information are dialed through the voice call ACS server 134 to the mobile number of the received payer. Transmitting by voice and requesting input of a voice approval password of the payer; (d) receiving, by the approval relay server 131, the voice approval password of the payer transmitted from the voice call ACS server, and handing the mobile phone number and the voice approval password of the payer to the card company approval server 151 for approval. ; And (e) the approval relay server 131 searches the card company's approval DB 152 in which the mobile phone number at the time of issuing a credit card from the card company approval server 151 and the voice approval password of the credit card are stored in advance. When the self-inputted mobile phone number and the voice approval password is authenticated and the payment approval request is processed, receiving and storing the requested payment request approval information in the approval relay DB 132; and characterized in that it comprises a.

Preferably, the step (a), (a-1) the card company approval server 151 recognizes the payer connected using the phone, the card company approval of the mobile phone number and credit card information of the payer through voice guidance Registering with the DB 152; Or (a-2) the card company approval server 151 makes a call through the voice call ACS server to the payer's mobile number according to the payer's mobile number and credit card information inputted from the payer connected through the service homepage. When the mobile phone number is authenticated through the voice guidance, and the voice approval password is managed separately from the credit card password, the mobile phone number is input to the mobile phone and registered in the card company approval DB 152. Characterized in that it comprises a mobile phone credit card payment method using.

More preferably, the approval relay server 131 registers and manages the approved payment approval information in the approval relay DB 132 to provide a mobile phone credit card payment method using a voice call, characterized in that provided by the request of the payer. It is characterized by including.

More preferably, in the step (a), the approval relay server 131 to set the relationship code of acquaintances who can approve payment through the mobile phone of the payer and input the representative name for each relationship code In the step (b), the approval relay server 131 receives the buyer's payment request by receiving the buyer's relationship code together with the seller information, the payment information, and the mobile phone number to be transmitted from the on-line store. step; In the step (c), the approval relay server 131 confirms the identity of the buyer relationship code requesting the payment through the relationship code information of the pre-registered payer, and receives the payment target mobile phone number through the voice call ACS server. Calling a payer and voicely transmitting the representative name of the buyer together with the seller information and the payment information and requesting input of a voice approval password of the payer; It characterized in that to perform.

More preferably, the approval relay server 131 registers and manages the purchaser's relationship code for each case for the approved payment approval cases in the approval relay DB 132 and provides them upon request of the payer. It is done.

Hereinafter, with reference to the accompanying Figures 1 to 5 will be described in detail a preferred embodiment of the present invention.

Hereinafter, the present invention will be described as a preferred embodiment of the mobile phone credit card payment method using a voice call to approve the credit card payment to the mobile phone of the payer through the voice call when the purchaser purchases goods online or offline. However, the technical spirit of the present invention is not limited thereto, but may be variously modified and modified by those skilled in the art.

1 is a block diagram showing an entire system according to a preferred embodiment of the present invention, Figure 2 is a flow chart showing a mobile phone subscription procedure for the approval relay system according to the present invention, Figure 3 is a approval relay system according to the present invention 4 is a flowchart illustrating a web page subscription procedure, FIG. 4 is a flowchart illustrating a credit card payment method through a mobile phone in an offline store according to the present invention, and FIG. 5 is a credit card payment through a mobile phone in an online shopping mall according to the present invention. A flowchart illustrating the method.

As shown in FIG. 1, the mobile phone payment system using the voice call of the present invention includes an online shopping mall 100, an offline store 110, an information communication network 120, an approval relay system 130, and a payer terminal 140. And a card company approval system 150.

The online shopping mall 100 and the offline store 110 represent a representative space for a buyer to make a purchase, and the present invention is not limited thereto.

In the online shopping mall 100, a buyer may purchase a desired product from a purchase and payment web page provided by the online shopping mall 100 through his PC 101 and perform payment of the purchase price.

In addition, in the offline store 110, the buyer may perform payment for the product selected by the seller / payment terminal 111 provided in the offline store 110.

In this case, the seller's sales / payment terminal 111 provided in the offline store 110 may be any payment terminal that can be connected to the network by means of the Internet or PSTN, such as POS or VAN's credit settlement terminal or vending machine. It may be directly connected to the approval relay system 130 through the Internet or a PSTN, or may be connected to the approval relay system 130 through an existing VAN company VAN communication network.

The payer terminal 140 includes a payer mobile phone 141 in charge of a mobile phone payment for the purchase price of the buyer through the online or offline described above.

Here, in the present invention, the buyer who makes a purchase online or offline and the payer who pays the purchase price may not be the same person. For example, the buyer may be one of the family members (children, old parents) and the payer may be the head of economic and intellectual judgment, such as father. Therefore, when a buyer requests payment approval for a purchase price, a payment provider at another place can approve the payment for the purchase price through a mobile phone.

Then, the payer registers the mobile phone number and the issued credit card for payment at the card company through their terminal, that is, the payer mobile phone 141 or the payer PC 142.

On the other hand, the approval relay system 130 is a system for operating a mobile phone credit card payment service using the corresponding voice call authorization relay server 131, authorization relay DB 132, voice call ARS server 133 and voice call ACS Server 134.

 The authorization relay server 131 receives a seller code, a payer mobile number and a payment amount, and performs an authentication procedure for confirming whether the seller code is justified. The credit card company approval system allows the payer's mobile number, credit card type, and payer. Send the voice approval password received by voice call directly from.

This, the approval relay server 131 and the card company approval server 151 is connected to each other through the interface is possible to transmit and receive information.

The approval relay DB (132) after the credit card payment approval payment approval information (seller code, payment request date, payment approval date, payment mobile number, payment amount, authorization number credit card information printing credit card number (* mark processing), etc.) ).

The voice call ARS server 133 is responsible for the payer registration process of the payer as a voice call.

The voice call ACS server 134 transmits the seller information (store name, purchased goods, etc.), payment amount, etc. received by the approval relay server 131 to the payer, and the credit card type (credit card) input by the corresponding payer. Is registered) and the password of the credit card.

 The card company approval system 150 includes a card company approval server 151 and a card company approval DB 152.

The card company approval server 151 is a mobile phone number of the payer received from the authorization relay server 131, the type of credit card and the password of the credit card and the payer mobile phone to receive the mobile phone credit card payment service of the present invention 141 or the payer PC 142 determines whether the mobile phone number and the credit card password registered in the card company approval DB 152 match.

Now, look at in more detail with respect to a mobile phone credit card payment method using the voice call of the present invention made through the above-described configuration.

First, the mobile phone credit card payment method using the voice call of the present invention as a whole, as follows, the step of registering the mobile phone number to be used by the payer at the time of payment approval to the credit card company, the seller enters the payer mobile phone number and payment amount to pay Requesting, verifying the seller code and sending the seller information (store name, etc.) and payment amount to the payer via voice exchange 135 through the exchange network 135, and the payer enters the password upon approval of the payment, Receiving in the step, Receiving the approval result by sending the mobile phone number and received credit card information, Voice approval password payment amount to the card company, Managing the authorization information (approval number, etc.) for the approved payment and , Sending the seller the results of the payment processing requested by the seller, and the seller issuing a receipt to the buyer. Is done.

First, the payer joining step is a user (payer) who wants to use the mobile phone credit card payment service using the voice call of the present invention as shown in Fig. 2 using his mobile phone or the Internet There is a way to join.

2 is a flowchart illustrating a subscription process using a mobile phone and the Internet for an approval system according to the present invention.

When the user (payer) who wants to use the mobile phone credit card payment service using the voice call of the present invention calls the card company using his mobile phone 141 (S11), the authorization relay system 130 connected to the card company interface. According to the voice call of the ARS server 133, the type of credit card to be used for mobile phone payment is input, and in some cases, a voice approval password is also input (S12).

The voice call ARS server 133 transmits the mobile phone number of the caller and the selected credit card to the card company approval server 151 through an interface between the approval relay system 130 and the card company approval system 150. The card company approval server 151 registers the user's mobile number and the type of credit card in the card company approval DB 152, so that the user is registered as a payer for the mobile number and the credit card, and the user joins as a payer. The voice call is confirmed by the voice through the ARS server 133 (S13).

On the other hand, the payer subscription step is also possible through the service homepage of the Internet, which will be described with reference to FIG.

3 is a flowchart illustrating a web page subscription procedure for a credit card company approval system according to the present invention.

The user (payer) who wants to use a mobile phone credit card payment service using the voice call of the present invention uses his or her PC 142 to subscribe to a web service operated by the approval relay server 131 of the approval relay system 130. The page is accessed (S21) and a member is joined (S22).

Subsequently, when the user inputs a mobile phone number to be used for mobile phone credit card payment using the voice call according to the guidance of the approval relay server 131, the corresponding approval relay server 131 calls the mobile phone number through the voice call ACS server 134. (S23) by voice to guide the user's (crediter) credit card selection, the user can directly select the credit card to be used for payment, the password of the selected credit card can be used as a voice approval password, and a separate voice approval password If you want to use the additional voice approval password (S24) after sending the user's mobile phone number and the selected credit card to the card company authorization server 151, the card company authorization server 151 mobile phone number and the selected credit card The user can register the voice approval password in the card company approval DB 152 so that the user can use the mobile phone and credit card. As for payment is registered (S25).

The subscription method using the voice call (ARS) is to select the payment credit card according to the voice guidance by the user to the phone call to the mobile phone 141 to authenticate the payment to the corresponding ARS number.

In addition, the subscription method through the Internet homepage is that the corresponding payer accesses the homepage through his PC (142) and enters the credit card to be paid and the number of the mobile phone 141 to be used for payment.

Next, in the payment request step, the store owner, that is, the seller at the time of payment in the offline store 110, the number of the mobile phone 141 received from the buyer and the payment amount in order to receive the credit card payment of the sales / payment terminal 111 Enter and request payment. In another case, when making a payment in the online shopping mall 100, the buyer inputs a mobile phone 141 number to make a payment on the payment screen of the shopping mall and requests a payment.

Next, in the payment information delivery step, the approval relay server 131 receives the seller code of the seller who requested the payment in the payment request step, the payer mobile phone 141 number, and the payment amount, and the seller code of the corresponding seller is A certification process is conducted to confirm the legitimacy. At this time, if the authentication of the seller code is inappropriate, the payment processing can be stopped, and data on exception processing can be transmitted.

After the authentication of the seller code, the approval relay server 131 dials the payer's mobile phone 141 number through the mobile communication company / telephone exchange network 135 through the voice call ACS server 134 and the corresponding voice call ACS. The payment guide voice call contents are transmitted through the server 134. That is, the payer who receives the call on his / her mobile phone 141 may make a payment by informing the payer of the seller information (store name, etc.) and the payment amount by voice.

Next, in the payment approval step, the payer decides whether to pay for the information guided by the voice call in the payment information transferring step, and the credit card and the corresponding credit card to pay through the mobile phone 141 when the payment is approved. Enter the voice approval password for.

The payment voice approval password entered in this way is received through the voice call ACS server 134, the number of the payer mobile phone 141 received from the approval relay server 131 and the credit card to be received and the credit received therefrom. The card company authorization DB 152 is searched for the card's voice approval password, and the mobile phone 141 number of the payer, the type of credit card received therein, the registered mobile phone number in which the voice approval password of the credit card is stored, and It will determine whether it matches the voice approval password of the payment credit card and approve the payment.

Sometimes, when the voice approval password fails to be authenticated in the authentication step, the voice requestor may re-enter the voice approval password input through a voice call or may immediately cancel the payment request.

Next, in the authorization information management step, the card company approval server 151 after the credit card payment is approved payment approval information (seller code, payment request date, payment approval date, payment mobile number, payment amount, authorization number Credit card information, printable credit card number (* mark processing), etc. are transmitted to the corresponding authorization relay server 131 so that the authorization relay server 131 records and manages the authorization relay DB 152.

Accordingly, the user may process the payment information of the user and his / her family member (acquaintance) during the inquiry period through the service homepage.

Next, in the payment processing step, the approval relay server 131 receives the payment approval information from the card company approval server 151, the payment approval information (seller code, payment request date, payment approval date, Payment mobile phone number, payment amount, authorization number, etc.), in the case of the offline store 110 is transmitted to the seller / payment terminal 111 of the seller who requested the payment, in the case of the online shopping mall 100 It is transmitted to the operation server of the finally to be transmitted to the payment request system of the PC 101 used by the buyer.

In this case, when the seller authentication failure or payment settlement payment failure in the payment information delivery step or payment approval step, the corresponding payment approval failure information (seller code, payment request date, payment request amount, reason for failure, etc.) of the corresponding seller side (100,110) Will be sent.

Next, in the payment post-processing step, in the case of the offline store 110 for the data received from the approval relay server 131 in response to the payment request from the sales / payment terminal 111 of the seller corresponding sales / The payment terminal 111 performs payment processing (receipt output, etc.), and in this case, the processing of the received data may be different for each company providing the software of the corresponding sales / payment terminal 111.

In addition, when the payment request is made in the online shopping mall 100, the purchaser performs a corresponding payment process on the data received from the approval relay server 131 in the payment request system of the shopping mall that the payment request is made in the shopping mall.

The payment request step, payment information delivery step, payment approval step, approval information management step, payment processing step, and post-payment processing step described above will be described in more detail with an example of an offline store and an online shopping mall. same.

First, the case of offline stores.

As shown in FIG. 4, when a buyer wants to make a payment in the offline store 110 through the payment request step, the seller receives a mobile phone number to be paid from the buyer (S30) and the sales / payment terminal with the payment amount ( 111 is entered (S31), and the payment is requested to the approval relay server 131 (S32).

Accordingly, the approval relay server 131 receives the request data transmitted from the sales / payment terminal 111 to authenticate the seller code (offline store) and establishes the switching network 135 through the voice call ACS server 134. After passing through the caller's mobile phone 141, the seller transmits the seller information (store name and the like) and the payment amount through a voice call (S33).

In this case, the payer and the buyer may be the same person or different people.

Next, the payer may approve or decline the payment request (S34). When the payment is rejected, the payment rejection doctor of the payer is received from the voice call ACS server 134 and transmitted to the sales / payment terminal 111 again. (S38).

On the other hand, in the approval, select a credit card to pay from among a plurality of registered credit cards and input the voice approval password of the credit card granted when the credit card is issued (S35).

Accordingly, the voice call ACS server 134 is the card company authorization server (type of credit card to be paid directly from the payer via voice, the voice approval password of the credit card together with the mobile phone number and payment amount input from the seller) 151 to request the approval of the payment amount (S36).

 Thereafter, the card company approval server 151 determines whether the voice approval password and the mobile number of the credit card associated with the credit card are correct (S37) and transmits the approval or rejection information to the approval relay server 131, and when the approval is performed, A log may be left in the card company approval DB 152 to manage the approval information.

At this time, the card company approval server 151 performs the approval process through the card company approval DB 152 of the transferred mobile phone number and voice approval password.

The card company approval server 151 transmits the response according to the failure and success of the approval to the approval relay server 131 to the sales / payment terminal 111 of the offline store seller (S39), thereby selling / selling the seller. The payment terminal 111 may process payment according to the received data and output a receipt (S40).

Next, the case of the online shopping mall will be described.

As shown in FIG. 5, when the buyer wants to make a payment in the online shopping mall 100 through the payment request step, the corresponding buyer enters the payer's mobile number on the payment screen displayed on his computer 101 (S50). ), The payment request to the approval relay server (S51).

Accordingly, the approval relay server 131 receives the data transmitted from the shopping mall 100, authenticates the seller code (online shopping mall), and passes through the exchange network 135 through the voice call ACS server 134 to the payer's mobile phone ( 141) and delivers the seller information (online shopping mall name, etc.) and the payment amount by voice call (S52).

In this case, the payer and the buyer may be the same person or different people.

Next, the payer may approve or reject the payment for the payment request (S53). If the payment is rejected, the payment is rejected by the payer through the Internet 120 through the voice call ACS server 134 (100). S) is transmitted so that the buyer of the side can be confirmed (S57).

On the other hand, when the payment is approved, the credit card to be paid by the payer's own mobile phone 141 is selected and a voice approval password is input (S54).

Accordingly, the approval relay server 131 is a mobile phone number and payment amount received from the shopping mall 100 and the type of credit card received by the voice call ACS server 134 from the payer and the voice approval password of the credit card. Sends an approval request to the card company approval server 151 (S55).

 Thereafter, the card company approval server 151 determines whether the voice signal password and the mobile phone number of the credit card associated with the credit card are correct (S56) and transmits the approval or rejection information to the approval relay server 131, and when the approval is performed, A log may be left in the card company approval DB 152 to manage the approval information.

At this time, the card company approval server 151 confirms the mobile phone number, the type of credit card, and the voice approval password of the credit card through the approval DB 152 to process the approval.

Then, the card company approval server 151 transmits the response according to the failure and success of the approval so that the approval relay server 131 transmits to the online shopping mall 100 (S58), and accordingly, the online shopping mall 100 transmits the response. Payment processing according to the received data, it is possible to output a receipt (S59).

On the other hand, as described above, if a payer registers a voice approval password for his mobile phone and his or her family member pays the purchase price, the payment approval is input by inputting the voice approval password according to the instructions of the call coming from the voice call. In addition to the configuration described above, in another embodiment of the present invention, it is possible for the payer to register a predetermined relationship code together with the voice approval password.

An example of such a relationship code is shown in Table 1 below.

Relationship code Classification Representative Name 00 family Myself 01 family Spouse 02 family Father 03 family Mother 04 family Changsik Kim (Son 1) 05 family Kim Chang-gu (Son 2) 11 friend Hong Gil Dong 12 friend Lim Kwak Jung 21 Colleague Janggilsan

That is, when the payer registers the voice approval password for his mobile phone in the approval relay server 131 for mobile phone payment, an acquaintance who can pay the purchase price through his mobile phone with the corresponding password and It will be registered as a representative name.

For example, as shown in Table 1, the relationship code assigns '00' to the owner of the mobile phone, that is, the payer, '01' to the spouse of the family, and '02' to the father (part). And assign '03' to mother (parent), '04' to son1, and '05' to son2.

Therefore, even if the elderly (parents) or children (son 1, son 2) who may be indiscriminate payment about the mobile phone payment, it is possible to make a mobile payment through a single payer (mobile phone owner). When checking the payment details on the service homepage operated by the authentication relay server 131 through the web anytime, anywhere, the mobile payment will be able to immediately check who purchased the goods for each payment.

The mobile phone payment method using such a relationship code has the following embodiment.

That is, when the buyer pays for the purchase price, the buyer enters the relationship code indicating the relationship between the payer and the buyer.The buyer recognizes the buyer's relationship code according to the instructions of the telephone call and confirms his / her voice approval. A payment method using a relationship code that enters a password and approves payment.

In this case, after the payer registers his / her relationship code in advance in the approval relay server 131 of the approval relay system 130, the buyer (for example, the buyer who wants to pay the purchase price in the online shopping mall 100 or the offline store 110). , Son 1 is to enter their own relationship code (relation code '04'), the approval relay server 131 checks the identity of the relationship code requested to purchase through the relationship code information of the pre-registered payer and voice Call the payer's mobile phone 141 through the call ACS server 134 and voice the user's information (representative name) requesting the payment with information about the purchase price or the place of purchase (for example, "Kim Chang-sik (son 1) )) Has requested a payment for this purchase ").

Accordingly, the payer is informed to the purchase requester by voice, so that it is possible to reasonably determine whether to approve the payment request immediately, and the purchase relationship code is also included in the approval relay DB 132 for each payment. By being registered, even if the payment window for family member goods purchase is unified by one person through the relationship code, purchase results are organized together with the relationship code so that the purchase status of family members can be easily grasped. Star household settlement is convenient.

The mobile phone credit card payment method through the relationship code can be set as an optional option for each payer.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the spirit of the present invention for those skilled in the art to which the present invention pertains. It is not limited to drawing.

As described above, the present invention does not install additional hardware or software in the mobile phone, and does not charge a separate fee, without the hassle of use, such as peace of mind clicks and SMS, while selecting a credit card while selecting a credit card and selected credit Only the voice approval password of the card can be used to make payments.

In addition, since the caller directly enters the voice approval password of the credit card issued by the payer while making a direct call to the payer's mobile phone, payment is possible without a credit card or cash. Parents with young children can take care of their children's purchases immediately, making it a safer payment for many parents who are worried about school violence.

It also solves problems such as online identity theft, credit card number theft, offline credit card loss and theft, and responsibility for managing credit cards. There is also an effect.

In addition, since the user makes a payment while making a phone call with a mobile phone, the user can make a commerce transaction with peace of mind by making an ARS call on his mobile phone without fear of fraudulent use of a mobile number or a voice approval password. There is also.

In addition, many security systems are operated to prevent fraudulent use of credit cards when making online payments. The payment system immediately processes payment approvals according to the present invention, which is much easier than the complicated credit card or cash payment authentication and security procedures. There is an effect that can be used.

In addition, there is an effect that it is possible to easily pay for the purchased goods by transmitting the voice approval password of the credit card together with the type of credit card already issued through a phone call without carrying all the issued credit card.

Claims (5)

(a) receiving the credit card information issued by the payer from the card company authorization server 151 connected through the interface and the mobile phone number used for payment, and registering the authorization relay server 131 in the authorization relay DB 132; (b) receiving, by the approval relay server 131, a payment request of a buyer by receiving seller information, payment information, and a mobile phone number of a payer transmitted from an on-line store; (c) If the approved relay server 131 is a seller of which the received seller information is registered, the seller information and payment information are dialed through the voice call ACS server 134 to the mobile number of the received payer. Transmitting by voice and requesting input of a voice approval password of the payer; (d) the approval relay server 131 receives the voice approval password of the payer transmitted from the voice call ACS server, and transmits the credit card information and the voice approval password of the corresponding payer to the card company approval server 151. Handing over to requesting approval; And (e) The approval relay server 131 searches the card company's approval DB 152 in which the mobile phone number at the time of issuing a credit card and the voice approval password of the credit card are stored from the card company approval server 151, and the corresponding biller is searched. Authenticating the input mobile phone number and the voice approval password and processing the payment approval request, receiving the requested payment request approval information and storing and managing the received payment request approval information in the approval relay DB 132; How to pay by mobile phone credit card. The method of claim 1, In step (a), (a-1) the card company approval server 151 recognizing the payer connected by phone and registering the mobile phone number and credit card information of the payer in the card company approval DB 152 through voice guidance; or (a-2) The card company approval server 151 makes a call through the voice call ACS server to the payer's mobile number according to the payer's mobile number and credit card information inputted from the payer connected through the service homepage, and voice Authenticating the mobile phone number of the corresponding payer through the guidance, and if the voice approval password is managed separately from the credit card password received by the mobile phone and registered in the card company approval DB (152); using a voice call, characterized in that it comprises a How to pay by mobile phone credit card. The method according to claim 1 or 2, The approval relay server (131) is a mobile phone credit card payment method using a voice call, characterized in that the registered payment management approval information registered in the approval relay DB (132) to provide at the request of the payer. The method according to claim 1 or 2, In the step (a), the approval relay server 131 to set the relationship code of acquaintances who can approve payment through the mobile phone of the payer and to enter a representative name for each relationship code, In step (b), the approval relay server 131 receives the buyer's payment request by receiving the buyer's relationship code together with the seller information, payment information, and the mobile phone number to be transmitted from the on-line store; In the step (c), the approval relay server 131 confirms the identity of the buyer relationship code requesting the payment through the relationship code information of the pre-registered payer, and receives the payment target mobile phone number through the voice call ACS server. Calling a payer and voicely transmitting the representative name of the buyer together with the seller information and the payment information and requesting input of a voice approval password of the payer; Mobile phone credit card payment method using a voice call, characterized in that to perform. The method of claim 4, wherein The approval relay server 131 registers and manages the purchaser's relation code of each purchase request for the approved payment approval cases in the approval relay DB 132 and provides them at the request of the payer. How to pay by mobile phone credit card.

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