KR20080083731A - Method and system for processing payment of credit card using by soft phone - Google Patents

Abstract

A method and a system for processing payment of a credit card with a soft phone are provided to enable the soft phone to process the payment of the credit card directly without using a public certificate by generating payment information from information received from the soft phone and requesting a card company server to process the payment based on the generated payment information. An access processor(610) enables a soft phone to request access to a payment gateway server. An information transmitter(620) transmits credit card or payer information, and payment amount information from the soft phone to the payment gateway server when the soft phone is connected to the payment gateway server. A payment information generator(630) enables the payment gateway server to generate payment information based on the information received from the soft phone. A payment processor(640) requests the payment to the credit card company server by using the generated payment information. A database(650) stores credit card information linked with a member ID or password of the payer. The access processor processes connection between the soft phone and the payment gateway server by receiving click of a connection button from the payer. A member authentication processor(660) confirms whether or not a member is registered by using a phone number of the soft phone in the payment gateway sever when the payment gateway sever receives a call setting request from the soft phone.

Description

METHOD AND SYSTEM FOR PROCESSING PAYMENT OF CREDIT CARD USING BY SOFT PHONE}

1 is a diagram illustrating a network for implementing a credit card payment method according to the present invention.

2 is a flowchart illustrating a credit card payment method according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a payer selecting a payment method on a web page according to an embodiment of the present invention.

4 is a view for explaining a database according to an embodiment of the present invention.

5 is a view for explaining a database according to another embodiment of the present invention.

6 is a block diagram illustrating an internal configuration of a credit card payment system according to an embodiment of the present invention.

<Explanation of symbols for main parts of the drawings>

600: credit card payment system

610: connection processing unit

620: information transmission processing unit

630: payment information generation unit

640: payment processing unit

650: database

660: member authentication processing unit

The present invention relates to a method and system for processing a credit card payment using a soft phone, generating payment information using information received from a soft phone, and processing payment to a card company server using the generated payment information. By requesting, the configuration of the credit card payment method and credit card payment system that can complete the payment processing without an authorized certificate.

Today, payers can use their credit cards to process payments at online or offline merchants. For example, for payment at an online merchant, the payer may access a card company server using a computer terminal connected to the Internet, and process a desired payment amount through the card company server. To this end, the payer must download a certificate from a predetermined server in advance and store it in a computer terminal. Although not all payment methods currently use public certificates, it is expected that most payment methods will use public certificates for security purposes. Therefore, in addition to the cumbersome procedure of downloading the public certificate, the payer who wants to pay online must memorize or write down the password of the public certificate. As a result, the payment processing of the payer cannot be processed quickly, which may cause inconvenience to the payer due to the slow payment processing.

That is, the following will propose a new technology that can perform a fast payment process while maintaining security as well as a public certificate.

The present invention has been made to improve the prior art as described above, it is an object of the present invention to provide a credit card payment method and credit card payment system to handle credit card payment directly from the soft phone.

An object of the present invention is to use a soft phone, more convenient and faster payment of the credit card.

Another object of the present invention is to provide a stable payment method by processing a payment of a credit card through a soft phone.

In order to achieve the above object and solve the above-mentioned problems of the prior art, a method of processing a credit card payment using a soft phone according to the present invention comprises processing to request a connection from the soft phone to a payment intermediation server. And when the soft phone and the payment broker server are connected, processing the soft phone to transmit credit card information or payer information and payment amount information to the payment broker server, at the payment broker server. And processing to generate payment information by using the information received from the soft phone, and processing to request a payment to a card company server through the generated payment information.

In the system for processing a credit card payment using a soft phone according to an embodiment of the present invention, a connection processing unit for processing a request for connection from the soft phone to the payment broker server, the soft phone and the payment broker server connected An information transmission processor for processing to transmit credit card information or payer information and payment amount information from the soft phone to the payment broker server, and the payment information using the information received from the soft phone by the payment broker server. And a payment processing unit for processing a request for payment to a card company server through the generated payment information.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings and the contents described in the accompanying drawings, but the present invention is not limited or limited to the embodiments.

1 is a diagram illustrating a network for implementing a credit card payment method according to the present invention.

The credit card payment system according to the present invention connects the soft phone 110 and the payment intermediation server 120, and the payer information and the payment amount information input by the payer through the soft phone 110, or the credit card information and payment The amount information is processed to be sent to the payment broker server 120. Accordingly, the credit card payment system processes the payment intermediation server 120 to generate payment information using the received information, and transmits the generated payment information to the card company server 130 to request payment processing. have. To this end, the components of the credit card payment system according to the present invention may be implemented as a separate server or may be included in the payment intermediation server 120. In addition, each of the components may be separately included in each entity constituting the network.

That is, if a credit card payment method provided by the credit card payment system will be described later, first, the payer uses a soft phone 110 to read a web page provided by the merchant server 140. Connect to The connection is a call setup request from the soft phone 110 to the payment intermediation server 120. For the call setup request, the payer runs a specific application of a computer terminal interworking with the soft phone 110, or a soft call. A combination of numbers or letters may be input to the phone 110 or a voice may be input to the soft phone 110. When the soft phone 110 is connected to the payment intermediation server 120, the payer may input the payer information and the payment amount information into the soft phone 110 and request the payment to the payment intermediation server 120.

To this end, the payment broker server 120 includes a database (not shown) storing credit card information corresponding to the payer information, or collects credit card information corresponding to the payer information from the database located outside. do.

In another example, the payer may directly input credit card information and payment amount information to the payment broker server 120 to request a payment.

Accordingly, the credit card payment system generates the credit card information and the payment amount information collected or received by the payment intermediation server 120 as payment information, and transmits the generated payment information to the card company server 130 Request payment processing. When payment processing is completed for the payment information, the credit card payment system notifies the affiliated store server 140 of the processing result of the completion of the payment processing through the payment intermediation server 120. The merchant server 140 confirming that the payment processing is completed may perform a procedure such as providing a corresponding service, providing a corresponding content, or delivering a corresponding item to the payer in response to the payment.

The soft phone used in the present specification means application software that can use a call service using a VoIP protocol to a computer terminal connected to the Internet. The payment information may be interpreted as information including card company information, a card number, an expiration date, a password, etc., as information required when a payment process is performed with a credit card.

The information transmitted from the soft phone 110 to the payment broker server 120 may be transmitted through various input methods.

For example, the payer may input the payer information and the payment amount information through the keypad of the soft phone 110. For example, the payer information includes a member ID or a member password that the payer subscribed to the credit card payment system according to the present invention. In addition, the credit card payment system maintains the card number, expiration date, and password for the credit card of the payer at the time of the subscription in the database, if the member ID or the member password is transmitted from the soft phone 110, The credit card information corresponding to the member ID or the member password may be read from the database and transmitted to the payment broker server 120.

In another embodiment, the payer may directly input the credit card information, the card number, the expiration date, and the password, using the keypad of the soft phone 110 and request the payment intermediation server 1120 to transmit the payment. For example, the payer may distinguish the card number, the expiration date, and the password by using a '*' or '#' button of the keypad.

Next, the credit card payment system may request payment processing from the card company server 130 through the credit card information and the payment amount information transmitted to the payment intermediation server 120.

As a result, the credit card payment method using the credit card payment system according to the present invention can be processed by the credit card payment directly from the soft phone without an authorized certificate, it is possible to perform a stable payment processing more conveniently and quickly.

2 is a flowchart illustrating a credit card payment method according to an embodiment of the present invention. 2 illustrates a credit card payment method performed by each subject under the control of a credit card payment system.

First, in step 201 the soft phone requests to connect to the payment broker server.

More specifically, the payer selects a payment method on the web page of the merchant server to use a service provided by the merchant server or to purchase goods.

3 is a diagram illustrating that a payer selects a payment method on a web page 300 according to an embodiment of the present invention.

Referring to FIG. 3, the payer may select 'soft phone payment' as a payment method provided by the web page 300. In addition, payment methods provided by the web page 300 may include bank transfer, mobile phone payment, and credit card payment. However, most of the other payment methods except for soft phone payment can use a certified certificate to provide secure payment service, so that the payer downloads the certificate in advance to the computer terminal or the computer terminal You must run certain applications to authenticate with a public certificate for payment. Therefore, a problem may occur that the payment speed is considerably delayed.

The payer selects 'soft phone payment' as a payment method and requests access to a payment intermediation server through a soft phone connected to the computer terminal as in step 201. The connection request may be interpreted as requesting a call establishment to the payment broker server using the soft phone. To this end, the payer may induce a call setup of the soft phone and the payment intermediation server through a predetermined application running on the computer terminal according to the first embodiment. In addition, as a second embodiment, the payer may induce a call setup between the soft phone and the payment intermediation server by inputting a telephone number corresponding to the payment intermediation server into the soft phone. In addition, as a third embodiment, the payer may induce a call setup between the soft phone and the payment intermediation server by voice inputting a specific word into the soft phone.

First, for the first embodiment, the computer terminal provides a connection button through the application, and receives a click input of the connection button from the payer. Accordingly, the computer terminal processes the connection between the soft phone and the payment broker server in response to the click input. To this end, the computer terminal should receive and install the application from a predetermined server in advance, and should be able to request a call setup from the soft phone to the payment intermediation server according to a payment requester using the application.

In addition, for the second embodiment, the soft phone should be able to make a call setup request to the payment intermediation server with a telephone number input from the payer. That is, when the soft phone receives a phone number from the payer in the soft phone, the soft phone requests a call setup from the entered phone number, and finally, the payment intermediation server and the soft phone are connected and processed according to the call setup request. .

 In addition, for the third embodiment, the computer terminal must signal the payer's voice input to the soft phone to extract the calling party identification information. Further, the computer terminal controls the call setup request from the soft phone to the payment intermediation server by using the extracted calling party identification information, and establishes a connection between the payment intermediation server and the soft phone. For example, the calling party identification information may be a phone number corresponding to the payment broker server.

When the soft phone and the payment broker server are connected, in step 202 of FIG. 2, the payment broker server checks whether a member of a payer who uses the soft phone is present. For example, the payment broker server stores the calling number and the member ID or member password corresponding to the calling number in a database, and the member ID using the calling number received in response to a call setup request from the soft phone. Alternatively, by checking the member password, it is possible to check whether the member of the payer. This will be described in detail with reference to FIG. 4.

4 is a diagram illustrating a database 400 according to an embodiment of the present invention.

In order to use a credit card payment method using a soft phone, the payer subscribes to the credit card payment system according to the present invention. At this time, the member ID and password for logging in to the web page provided by the credit card payment system, and the phone number of the soft phone corresponding to the member ID and the member password. The telephone number input at the time of membership registration of the payer is stored in the caller ID field of the database 400, and the member ID and the member password are stored in the respective fields corresponding to the caller ID field. Referring to reference numeral 401, the payer using the soft phone of the calling number '02 -111-2222 'is currently a member registered with the member ID' AAAA 'and the member password' 1234 '.

According to an embodiment of the present invention, the payer may access a web server interworking with the soft phone, and set the caller's mobile phone number as the payer's mobile phone number. More specifically, when a payer accesses the web server and inputs his mobile phone number, the web server transmits a predetermined authentication number to the mobile phone through a mobile carrier server. Accordingly, the payer inputs the received authentication number into the web server, and the web server inputs the calling number of the soft phone when the authentication number sent to the mobile phone and the authentication number received from the payer are the same. It can be set to the payer's mobile phone number. As a result, the credit card payment system through the database 400 does not need to separately check whether or not the member of the payer.

Referring back to FIG. 2, if the checker is not registered as a result of the check in step 202, the credit card payment system according to the present invention may induce the payer to register using the application installed in the computer terminal. .

As a result of the check in step 202, if the payer is registered, the payment intermediation server requests payment information from the soft phone in step 203. The payment information is information for the payment intermediation server to request payment processing from a card company server, and includes credit card information and payment amount information. In this case, the credit card information includes a card number, an expiration date, and a password.

In step 204, the soft phone receiving the payment information transmits payment information to the payment broker server. That is, the soft phone transmits the credit card information and the payment amount information to the payment broker server. As mentioned above, the credit card information includes a card number, an expiration date, and a password. That is, the payer inputs the card number, the expiration date, and the password by using the keypad of the soft phone. In this case, the card number, the expiration date, and the password may be distinguished through '*' button or '#' of the keypad, respectively. For example, in order to enter the card number '1111-2222-3333-4444-5555', the expiration date '0310 (March 2010)' and the password '1111', the payer uses the keypad on the soft phone. You can enter '1111222233334444 * 0310 * 1111'.

As another example, the soft phone may transmit payment information and payment amount information instead of the credit card information in response to the request for payment information. In this case, the payment broker server should be able to confirm the credit card information from the payer information. To this end, the payment intermediation server may maintain a database in which the payer information and the credit card information are stored in association. Alternatively, the payment broker server may collect the credit card information from a database maintained externally using the payer information. In order to confirm the credit card information using the payer information, the database maintained inside or outside the payment broker server will be described in detail with reference to FIG. 5.

5 is a view for explaining a database 500 according to another embodiment of the present invention.

Referring to FIG. 5, the database 500 stores member IDs, member passwords, and credit card information in association with each other. For example, as shown by reference numeral 501, the database 50 has a member ID 'AAAA' and a member password '1234', a card number '1111-2222-3333-4444-5555' and a validity period ' 0310 (March 2010) "and the password" 1111 "are stored in association. The credit card information may be stored at the time of membership registration of the payer, and when the payment intermediation server receives the payer information and the payment amount information, the credit using the payer information from the database 500. Card information can be read.

Referring back to FIG. 2, in step 205, the payment broker server requests a payment process from a card company server using the payment information. Thus, in step 206, the card company server processes the payment amount according to the request of the payment processing, and transmits the processing result to the payment intermediation server. Accordingly, the payment intermediation server confirms the processing result by receiving the processing result. In addition, the payment intermediation server may notify the merchant or the payer of the processing result according to the confirmation of the processing result.

For payment processing, the payment broker server transmits at least a portion of the credit card information to the card company server to request authentication, and when the card company server authenticates through at least a portion of the credit card information, the payment broker server The credit card information and the payment amount information are transmitted to the card company server, and an authorization request is made. When the payment is approved, the payment intermediation server receives a payment completion signal from the card company server, thereby confirming the payment process.

According to an embodiment of the present invention, the credit card information is for enhanced security, the card company information, card number, password, expiration date information of the credit card, the purchaser's social security number, or CVC (Card Validation Code, card validation code) ) May be further included.

As a result, the credit card payment method using the credit card payment system according to the present invention can be processed by the credit card payment directly from the soft phone without an authorized certificate, it is possible to perform a stable payment processing more conveniently and quickly.

6 is a block diagram illustrating an internal configuration of a credit card payment system 600 according to an embodiment of the present invention.

As shown in FIG. 6, the credit card payment system 600 according to the present invention includes an access processor 610, an information transmission processor 620, a payment information generator 630, and a payment processor 640.

First, the connection processing unit 610 processes to request a connection from the soft phone to the payment broker server. That is, when the payer selects 'soft phone payment' on the web page, the connection processing unit 610 determines that the soft phone and the payment intermediation server use a click input, a phone number, or a voice input input to the soft phone. Process to set up call.

More specifically, when the payer clicks on a preset connection button on the soft phone, the connection processor 610 may process the connection between the soft phone and the payment broker server in response to the click input. In addition, the connection processing unit 610 processes the call setup request from the soft phone to the payment intermediation server by using the telephone number input from the payer to the soft phone, and mediates the payment according to the call setup request. The server and the soft phone can be connected. In addition, the connection processing unit 610, by processing the voice from the payer input to the soft phone to extract the calling party identification information, using the extracted calling party identification information, the payment intermediation server and the soft The phone can be connected.

When the soft phone and the payment intermediation server are connected, the information transmission processor 620 processes the soft phone to transmit credit card information or payer information and payment amount information to the payment intermediation server.

First, when the credit card information and the payment amount are transmitted from the soft phone to the payment intermediation server, the payment information generation unit 630 obtains payment information from a card number, an expiration date, and a password included in the credit card information. Create The payment information includes a card number, an expiration date, a password, and payment amount information of the credit card, and the payment processing unit 640 transmits the payment information to a card company server to request payment processing.

Next, when the payer information and the payment amount are transmitted from the soft phone to the payment intermediation server, the payment information generation unit 630 collects credit card information corresponding to the payer information, and collects the collected credit. The card information and the payment amount information are generated as the payment information. To this end, the credit card payment system 600 further includes a database 650. The database 650 stores the payer information and the credit card information. For example, when the payer information is a member ID or a member password of the payer, the payment information generation unit 630 receives the one of the member ID or the member password as the payer information. In operation 650, the credit card information may be read. In addition, the payment information generation unit 630 generates payment information using the read credit card information and the received payment amount information, and the payment processing unit 640 transmits the payment information to the card company server for payment processing. request.

For payment processing at the card company server, the payment processing unit 640 requests an authentication from the payment broker server to the card company server using the credit card information, and if the credit card information is authenticated, at the payment broker server. The credit card information and the payment amount information is transmitted to the card company server, and an authorization request is made. When the payment is approved, the payment intermediation server may process to receive a payment completion signal from the card company server.

Credit card payment system 600 according to an embodiment of the present invention may further include a member authentication processing unit 660.

When the payment broker server receives a call setup request from the soft phone, the member authentication processor 660 processes the payment broker server to confirm membership by using the telephone number of the soft phone. To this end, the database 650 stores the telephone number of the payer's soft phone, and in accordance with the call setup request, retrieves the telephone number of the soft phone checked by the payment intermediation server from the database 650 to determine whether the member is a member. You can authenticate.

As a result, the credit card payment system according to the present invention can process the credit card payment directly in the soft phone without an authorized certificate, it is possible to perform a stable payment processing more conveniently and quickly.

Embodiments of the invention include a computer readable medium containing program instructions for performing various computer-implemented operations. The computer readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical recording media such as CD-ROMs, DVDs, magnetic-optical media such as floppy disks, and ROM, RAM, flash memory, and the like. Hardware devices specifically configured to store and execute the same program instructions are included. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.

While specific embodiments of the present invention have been described so far, various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined not only by the scope of the following claims, but also by those equivalent to the scope of the claims.

According to the present invention, it is possible to provide a credit card payment method and a credit card payment system for processing a credit card payment directly from a soft phone.

According to the present invention, payment of a credit card can be performed more conveniently and quickly by using a soft phone.

According to the present invention, a stable payment method can be provided by processing a payment of a credit card through a soft phone.

Claims (18)

In the method of processing the payment of a credit card using a soft phone, Processing the soft phone to request a connection to a payment broker server; If the soft phone and the payment broker server are connected, processing the soft phone to transmit credit card information or payer information and payment amount information to the payment broker server; Processing at the payment broker server to generate payment information using the information received from the soft phone; And Processing to request a payment to a card company server through the generated payment information; Credit card payment method using a soft phone comprising a. The method of claim 1, The step of processing the soft phone to request a connection to a payment broker server, Receiving a click input of a predetermined connection button from a payer; And Processing a connection between the soft phone and the payment broker server in response to the click input; Credit card payment method using a soft phone comprising a. The method of claim 1, The step of processing the soft phone to request a connection to a payment broker server, Receiving a telephone number from a payer at the soft phone; Requesting call setup from the soft phone to the input telephone number; And Connection processing between the payment broker server and the soft phone according to the call establishment request; Credit card payment method using a soft phone comprising a. The method of claim 1, The step of processing the soft phone to request a connection to a payment broker server, Receiving a voice from a payer at the soft phone; Signal-processing the input voice to extract calling party identification information; And Access processing of the payment broker server and the soft phone by using the extracted calling party identification information; Credit card payment method using a soft phone comprising a. The method of claim 1, Maintaining credit card information associated with the member ID or member password of the payer in a database; More, In the payment broker server, the step of processing to generate payment information using the information received from the soft phone, Reading the credit card information by referring to the database when the payment broker server receives the member ID or the member password as the payer information from the soft phone; And Generating the read credit card information and the payment amount information as the payment information; Credit card payment method using a soft phone comprising a. The method of claim 1, The credit card information includes the card number, password, and expiration date of the credit card, In the payment broker server, the step of processing to generate payment information using the information received from the soft phone, Generating the card number, the password, the expiration date, and the payment amount information received from the soft phone as the payment information. Credit card payment method using a soft phone comprising a. The method of claim 1, In the payment broker server, the step of processing to generate payment information using the information received from the soft phone, Requesting authentication from the payment broker server to the card company server using the credit card information; If the credit card information is authenticated, requesting authorization by transmitting the credit card information and the payment amount information from the payment broker server to the card company server; And If the payment is approved, the payment intermediation server receiving a payment completion signal from the card company server Credit card payment method using a soft phone comprising a. The method of claim 1, Processing the payment intermediary server to confirm membership by using the telephone number of the soft phone; Credit card payment method using a soft phone, characterized in that it further comprises a. The method of claim 1, The credit card information includes at least one of card company information, card number, password, expiration date information of the credit card, payer's social security number, or CVC (Card Validation Code). Card payment method. A computer-readable recording medium having recorded thereon a program for executing at least one of claims 1 to 9. In a system for processing a credit card payment using a soft phone, A connection processing unit which processes the soft phone to request a connection to a payment broker server; An information transmission processor for processing to transmit credit card information or payer information and payment amount information from the soft phone to the payment broker server when the soft phone is connected to the payment broker server; A payment information generation unit for processing to generate payment information using the information received from the soft phone at the payment broker server; And Payment processing unit for processing the payment request to the card company server through the generated payment information Credit card payment system using a soft phone, characterized in that it comprises a. The method of claim 11, The connection processing unit, A credit card payment system using a soft phone that receives a predetermined input of a connection button from a payer and processes the connection between the soft phone and the payment broker server in response to the click input. The method of claim 11, The connection processing unit, Receiving a telephone number from a payer in the soft phone, processing the call intermediation server to set up a call to the input telephone number, and processing the connection between the payment intermediation server and the soft phone according to the call setup request; Credit card payment system using a soft phone. The method of claim 11, The connection processing unit, Receiving a voice from a payer in the soft phone and processing the input voice to extract calling party identification information, and using the extracted calling party identification information to connect and process the payment intermediation server and the soft phone. Credit card payment system using a soft phone, characterized in that. The method of claim 11, Database storing credit card information associated with the member ID or member password of the payer More, The payment information generation unit, When the payment broker server receives the member ID or the member password from the soft phone as the payer information, the credit card information is read with reference to the database, and the read credit card information and the payment amount information are read. Credit card payment system using a soft phone, characterized in that for generating the payment information. The method of claim 11, The credit card information includes the card number, password, and expiration date of the credit card, The payment information generation unit, And the card number, the password, the expiration date, and the payment amount information received from the soft phone as the payment information. The method of claim 11, The payment processing unit, In the payment broker server, the credit card information to the card company server, the authentication request, if the credit card information is authenticated, the payment broker server and the credit card information and the payment amount information is transmitted to the card company server Authorization request, if the payment is approved, the payment intermediation server credit card payment system using a soft phone, characterized in that for receiving a payment completion signal from the card company server. The method of claim 11, Member authentication processing unit for processing the payment intermediary server to check the membership registration using the phone number of the soft phone Credit card payment system using a soft phone, characterized in that it further comprises.

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