KR20090051281A

KR20090051281A - System and method for online giro payment by using voip terminal and program recording medium

Info

Publication number: KR20090051281A
Application number: KR1020070117597A
Authority: KR
Inventors: 이장혁
Original assignee: 한국정보통신서비스 주식회사
Priority date: 2007-11-19
Filing date: 2007-11-19
Publication date: 2009-05-22

Abstract

The present invention relates to a method and a system for online online payment through a VIP terminal and a recording medium therefor. The present invention provides a method for online online payment through a VoIP terminal having a card reader, which can be connected to a plurality of communication media. Receiving, from the EBPP (Electronic Bill Presentment and Payment) server on the communication network receiving the telephone bill payment information including the VoIP phone number, payment amount information and payment target giro information corresponding to the VoIP terminal, and connecting at the VoIP terminal Transmitting the branch payment information to the VoIP terminal through a first communication medium among a plurality of communication media, reading card information from the customer card through the card reader, and reading the read card information. A plurality of giro payment request information including the giro payment information can be generated and connected to the VoIP terminal Receiving the branch payment request information through a communication network including the second communication medium, and transmitting card information included in the branch payment request information through the communication network including the second communication medium. Checking the payment method of payment and if the check result is the payment method of giro payment card payment, card payment is processed by transmitting the payment information and card payment information contained in the payment request information to the van (VAN) server (VAN) server And if the giro payment payment method is confirmed as a wire transfer payment, transmitting the giro payment information and the card information included in the giro payment request information to a financial institution server so that the bank transfer payment is processed. .

VIO, Terminal, Online, Giro, Payment

Description

System and Method for Online Giro Payment by Using VoIP Terminal and Program Recording Medium}

1 is a diagram showing the configuration of an online giro payment system using a VoIP composite terminal according to an embodiment of the present invention.

2 is a diagram illustrating a functional configuration of a VoIP composite terminal having a selective payment (or financial transaction) function according to a communication medium identification according to an embodiment of the present invention.

3 is a diagram illustrating an operation of a VoIP composite terminal for searching for a communication medium for selective payment processing according to a communication medium identification according to an embodiment of the present invention.

FIG. 4 is a diagram illustrating a VoIP composite terminal operation process for searching for a communication medium for selective financial transaction processing according to a communication medium identification according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating an operation of a VoIP composite terminal for searching for a communication medium for payment of a branch through selective payment (or financial transaction) according to a communication medium identification according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a VoIP composite terminal operation process of searching for a communication medium for ticket reservation / prediction processing through selective payment (or financial transaction) according to a communication medium identification according to an embodiment of the present invention.

FIG. 7 is a diagram illustrating a VoIP complex terminal operation process of searching for a communication medium for electronic money charging processing through selective payment (or financial transaction) according to a communication medium identification according to an embodiment of the present invention.

8 is a diagram illustrating an operation of a VoIP composite terminal for selective payment processing according to communication medium identification according to an embodiment of the present invention.

9 is a diagram illustrating a VoIP composite terminal operation process for selective payment processing according to communication medium identification according to another embodiment of the present invention.

10 is a diagram illustrating a transaction process for selective payment processing according to communication medium identification according to an embodiment of the present invention.

11 is a diagram illustrating a VoIP composite terminal operation process for selective financial transaction processing according to communication medium identification according to an embodiment of the present invention.

12 is a diagram illustrating an operation of a VoIP composite terminal for selective financial transaction processing according to a communication medium identification according to another embodiment of the present invention.

13 is a diagram illustrating a transaction process for selective financial transaction processing according to communication medium identification according to an embodiment of the present invention.

14 is a diagram illustrating an operation of a VoIP composite terminal for branch payment processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

FIG. 15 is a diagram illustrating an operation process of the VoIP composite terminal 100 for branch payment processing through selective payment (or financial transaction) according to communication medium identification according to another embodiment of the present invention.

FIG. 16 is a diagram illustrating a transaction process for processing giro payment through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

FIG. 17 is a view illustrating an operation of a VoIP complex terminal for ticket reservation / reservation processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

FIG. 18 is a diagram illustrating a VoIP composite terminal operation process for ticket reservation / advance processing through selective payment (or financial transaction) according to communication medium identification according to another embodiment of the present invention.

19 is a diagram illustrating a transaction process for ticket reservation / booking processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

20 is a diagram illustrating an operation of a VoIP complex terminal for electronic money charging processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

FIG. 21 is a diagram illustrating a VoIP composite terminal operation process for electronic money charging processing through selective payment (or financial transaction) according to communication medium identification according to another embodiment of the present invention.

22 is a diagram illustrating a transaction process for electronic money charging processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

FIG. 23 is a diagram illustrating the configuration of an online card payment system using a VoIP complex terminal having a selective payment (or financial transaction) function according to a communication medium identification according to an embodiment of the present invention.

FIG. 24 is a diagram illustrating a process of providing payment information to a VoIP complex terminal through a first communication medium among a plurality of communication media connectable to the VoIP complex terminal for online card payment according to an embodiment of the present invention.

25A and 25B illustrate a process of providing payment information to a VoIP composite terminal through a first communication medium among a plurality of communication media connectable from the VoIP composite terminal for online card payment according to another embodiment of the present invention. Drawing.

FIG. 26 is a diagram illustrating a payment processing process using payment request information transmitted through a second communication medium among a plurality of communication media connectable to a VoIP complex terminal for online card payment according to an embodiment of the present invention. to be.

FIG. 27 is a flowchart illustrating a payment processing process using payment request information transmitted through a second communication medium among a plurality of communication media connectable in a VoIP complex terminal for online card payment according to another embodiment of the present invention. Drawing.

100: VoIP composite terminal 105: client terminal

110: EBPP server 115: payment agent server

120: platform operation server 125: van server

130: financial company server 135: card company server

140: VoIP gateway 145: gatekeeper

The present invention provides a branch payment information receiving means for receiving branch payment information including an VoIP phone number corresponding to the VoIP terminal, payment amount information, and payment target map information from an EBPP (Electronic Bill Presentment and Payment) server on a communication network; Message transmission means for transmitting the branch payment information to the VoIP terminal using a wide area communication medium including a VoIP voice call-based message exchange standard among a plurality of communication media connectable to a VoIP terminal as a first communication medium, and the VoIP terminal The second communication medium of the plurality of communication media that can be connected to the VoIP terminal by reading the card information from the customer card through the card reader, generating the giro payment request information including the read card information and the giro payment information When transmitting through, the request to pay the giro through a communication network including the second communication medium Information receiving means for receiving the information, information checking means for confirming the payment method of the giro payment by reading the card information included in the giro payment request information, and if the giro payment payment method is confirmed as the card payment, the van (VAN) the card payment is processed by transmitting the card payment information and the card information included in the payment request information to the server, and if the payment method is confirmed as payment by bank transfer payment, the bank to the bank company It is possible to connect with a plurality of communication media including a giro payment processing means for transmitting the giro payment information and the card information included in the payment request information so that the bank transfer payment is processed, and the online giro payment through the VoIP terminal equipped with a card reader It is about the system.

With the continuous development of information and communication technology and the establishment of VoIP infrastructure based on the selection of Voice over Internet Protocol (VoIP) providers, voice calls over IP communication networks (for example, IP-based wired network and IP-based wireless communication network) rather than the existing telephone network (or intelligent network) VoIP services that simultaneously provide services, data communications, and multimedia services are becoming more and more popular.

Since the VoIP service uses an IP communication network distributed to each home (or store or office) rather than a circuit-switched system, it is possible to provide voice calls between VoIP users at a very low price (or free). IP communication network usage fee is paid), and when the call is connected to a network other than the VoIP network (for example, an existing telephone network or an intelligent network), the operator pays the cost according to the settlement of the call charges and has a very competitive price. have.

However, not all communication media of IP networks distributed in each home (or store or office) are the same, and IP networks distributed in some homes (or stores or offices) are wired through Unshielded Twisted Pair (UTP) cables. A communication medium is provided, and the IP communication network spread in other homes (or stores or offices) is provided with a wireless communication medium using a wireless access point (AP).

Each home (or store or office) to which the IP communication network is spread is provided in various devices (eg, personal computers, laptops, etc.) or servers (eg, home servers on a home network, or large stores) using the IP communication network. Local server), and the apparatus (or server) is provided with communication means capable of using a communication medium corresponding to the IP communication network.

However, the communication means provided in the apparatus (or server) is not limited to only one communication means providing only a connection function to the IP communication network.

For example, when the IP communication network includes a wireless communication medium using a wireless AP, the apparatus (or server) is provided with short range wireless communication means for communicating with the wireless AP, but the short range wireless communication means is wireless. In addition to the AP, it is not only possible to make a communication connection with another device having the short-range wireless communication means, but the device (or server) is a wired communication such as a LAN card for connecting to an IP communication network through a conventional wired communication medium. It is possible to further include means, short-range wired communication means such as USB.

On the other hand, online payment (or non-face-to-face payment) or online using an IP communication network distributed to each device (or server) provided in each home (or store or office) and the home (or store or office). Financial transactions (or non-face-to-face financial transactions) are already active, but online (or non-face-to-face) payments (or financial transactions) using the device (or server) and IP communication network require the customer's card number (or account number) It always includes the inconvenience of inputting information to be input, the problem of information leakage due to spyware that is installed malicious in the device (or server).

An object of the present invention for solving the above problems is an interface for connecting a communication channel with the VoIP terminal through a second communication medium in addition to the first communication medium connected before the online branch payment processing of the plurality of communication media connectable from the VoIP terminal Means, and the VoIP terminal reads card information from the customer card through the card reader, generates giro payment request information including the read card information and the giro payment information, and transmits it through the second communication medium. Information receiving means for receiving the giro payment request information through a communication network including the second communication medium, and information checking means for reading the card payment included in the giro payment request information to confirm the giro payment payment method. And if the giro payment payment method is confirmed as card payment, the giro payment to a van server. The card payment is processed by transmitting the giro payment information and the card information included in the information, and if the giro payment settlement method is confirmed as a wire transfer payment, the giro payment included in the giro payment request information to the financial company server is confirmed. It is possible to connect to a plurality of communication media having a giro payment processing means for transmitting the information and card information to be processed by the transfer payment, and to provide an online giro payment system through a VoIP terminal having a card reader.

The present invention provides an online branch payment method through a VoIP terminal having a card reader, which can be connected to a plurality of communication media, wherein the VoIP telephone number corresponding to the VoIP terminal is obtained from an Electronic Bill Presentment and Payment (EBPP) server on a communication network. Receiving giro payment information including payment amount information and target giro information; transmitting the giro payment information to the VoIP terminal through a first communication medium among a plurality of communication media connectable from the VoIP terminal; In the VoIP terminal, card information is read from the customer card through the card reader, and a payment request information including the read card information and the payment information is generated and is connected to the VoIP terminal. When transmitting through a second communication medium, the branch payment through the communication network including the second communication medium Receiving the request information, reading the card information included in the payment request information and confirming the payment payment method of the payment and if the payment is confirmed as the payment method of the payment card, the van (VAN The card payment is processed by transmitting the payment information and the card information included in the payment request information to the server, and if the payment method confirms that the payment payment is confirmed as a wire transfer, the payment request to the financial institution server is requested. And transmitting the giro payment information and the card information included in the information so that the bank transfer payment is processed.

According to the invention, it characterized in that it further comprises the step of connecting the communication channel with the VoIP terminal via a second communication medium of the plurality of communication media connectable in the VoIP terminal.

According to the invention, it characterized in that it further comprises the step of confirming the validity of the giro payment request information through the VoIP phone number included in the giro payment request information.

According to the present invention, reading the card information included in the giro payment request information and confirming the giro payment settlement method includes, when the credit card information is included in the card information, the giro payment settlement method as the card payment. When the card information includes check card information, cash card information, or debit card information, or account information, the payment method is characterized in that the payment is made by wire transfer payment.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the online payment method through the VoIP terminal described above.

On the other hand, the present invention is connected to a plurality of communication media, in the online branch payment system via a VoIP terminal having a card reader, VoIP telephone corresponding to the VoIP terminal from the EBPP (Electronic Bill Presentment and Payment) server on the communication network Wide area communication medium including a giro payment information receiving means for receiving the giro payment information including number, payment amount information and payment target giro information, and VoIP voice call based message exchange standard among a plurality of communication media connectable from the VoIP terminal; Message transmission means for transmitting the branch payment information to the VoIP terminal using a first communication medium, reading the card information from the customer card through the card reader in the VoIP terminal, and reading the read card information and the branch. A plurality of gird payment request information including payment information can be generated and connected to the VoIP terminal When transmitting through a second communication medium of the communication medium of the information receiving means for receiving the branch payment request information through a communication network including the second communication medium and the card information included in the branch payment request information by reading Information confirming means for confirming the payment method of the giro payment and if the check result of the payment of the giro payment card is confirmed as a card payment, and transmits the giro payment information and card information included in the giro payment request information to a van (VAN) server When the card payment is processed, and the check result confirms that the payment method for giro payment is settled as a wire transfer payment, the bank transfer information and card information included in the giro payment request information are transmitted to a financial institution server so that the bank transfer payment is processed. It is characterized by comprising a branch payment processing means.

On the other hand, the present invention is connected to a plurality of communication media, in the online branch payment system via a VoIP terminal having a card reader, the first communication connected before the online branch payment processing of the plurality of communication media connectable from the VoIP terminal Interface means for connecting a communication channel with the VoIP terminal via a second communication medium in addition to a medium; and reading the card information from the customer card through the card reader in the VoIP terminal, and reading the read card information and the branch payment information. Generating request information including giro payment and transmitting through the second communication medium, the information receiving means for receiving the payment information through the communication network including the second communication medium and included in the payment request information Information checking means for reading the card payment information by reading the card information and the check result When the giro payment settlement method is confirmed as the card payment, the giro payment information and the card information included in the giro payment request information are transmitted to a van server so that the card payment is processed. When it is confirmed that the payment is made by bank transfer, it is characterized in that it is provided with a giro payment processing means for transmitting the giro payment information and the card information included in the giro payment request information to the financial company server to process the bank transfer payment.

According to the present invention, the second communication medium is a local area communication of the VoIP terminal through a wide area communication medium including a data communication-based IP communication network connectable to the VoIP terminal, or a wireless communication repeater located at a short distance of the VoIP terminal. Short-range wireless communication medium of a packet-switching method for communicating with a client terminal located therein, or a short-range packet-switching method for communicating with a client terminal located in the local area of the VoIP terminal through a wired communication repeater located in the local area of the VoIP terminal. Short-range wireless communication medium for direct communication that connects a wired communication medium or a client terminal located in a short distance of the VoIP terminal and short-range wireless communication, or a direct connection for short-range wired communication for a client terminal located in a short distance of the VoIP terminal. Short-range wired communication media of communication method, Including an optical communication medium for connecting the client terminal and the optical communication which is located in the local area of the VoIP terminal at least one characterized in that formed.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the configuration of an online branch payment system using the VoIP composite terminal 100 according to the embodiment of the present invention.

In more detail, FIG. 1 illustrates a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, a short range wireless communication medium of a packet switched method, a short range wireless communication medium of a direct communication method, and a short distance wired communication of a packet switched method. System configuration for processing online payment by using VoIP composite terminal 100 connected to at least one communication medium of at least one of a medium, a near field communication medium of a direct communication method, a near field communication medium including at least one optical communication medium. As one having ordinary skill in the art to which the present invention pertains, various implementation methods for the online gyro payment system using the VoIP composite terminal 100 may be inferred by referring to and / or modifying the drawing 1. However, the present invention includes all implementation methods inferred from the above, and is shown in FIG. The technical features are not limited only to the implemented method.

Referring to FIG. 1, an online giro payment system using the VoIP composite terminal 100 includes a client terminal 105, a VoIP composite terminal 100, and various communication devices provided in a home, a store, and an office. A system, an online card payment system including an EBPP server 110, a payment agent server 115, a van server 125, and a card company server 135 connected to the client terminal 105 through an IP communication network; An online account transfer payment system including an EBPP server, a payment agent server 115, and a financial institution server 130 connected to the client terminal 105 through a communication network; and the VoIP through an IP communication network. And a VoIP system including a VoIP gateway 140 and a gatekeeper 145 connected to the composite terminal 100, and the VoIP composite terminal on the client system. An online giro payment service using the VoIP composite terminal 100 in conjunction with 100, the online card payment system, the payment server 115 on the online bank transfer payment system, and the gatekeeper 145 on the VoIP system. It characterized in that it comprises a platform operating server 120 that provides a platform for processing.

The client system constituting the online branch payment system using the VoIP composite terminal 100 is connected to an IP communication network through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and is a short-range wireless communication in a packet switching scheme. A client terminal 105 having a short range communication means including at least one communication means, a short range wireless communication means of a direct communication method, a short distance wired communication means of a packet switched method, a short distance wired communication means of a direct communication method, and an optical communication means. And a voice communication function by connecting to a VoIP server on an IP communication network through a wide area communication medium including at least one wireless communication medium and at least one wired communication medium. Communication means, near field wired communication means of packet switched, direct communication VoIP complex terminal 100 having a short distance communication means including at least one wired communication means and at least one optical communication means, and a short-range wireless communication medium in a packet-switched manner between the client terminal 105 and the VoIP complex terminal 100. And a wireless AP (or wireless IP router) connecting the client terminal 105 and the VoIP composite terminal 100 to an IP communication network, or a packet exchange scheme between the client terminal 105 and the VoIP composite terminal 100. It comprises a hub (or IP router) for providing a short-distance wired communication medium and at least one communication modem for connecting the client terminal 105 and the VoIP composite terminal 100 to an IP communication network.

The client terminal 105 is characterized in that it comprises a terminal device having an IP communication network connection function, such as a personal computer, a laptop, etc. provided in homes, stores, offices, etc., the wide area communication medium connected to the IP communication network is And at least one wireless communication medium using a wireless AP (or wireless IP router), or a wired communication medium using a hub (or IP router) and a communication modem.

According to an embodiment of the present invention, the client terminal 105 is preferably provided with a browser program for accessing the EBPP server 110 through the IP communication network.

In addition, the client terminal 105 is a short-range wireless communication means of the packet-switching method, a short-range wireless communication means of the direct communication method, a short-range wired communication means of the packet switching method for connecting the VoIP composite terminal 100 and the short-range communication channel And at least one short range communication means including at least one short distance wired communication means of a direct communication method and an optical communication means.

The short-range wireless communication means of the packet-switched method connects the VoIP composite terminal 100 and the short-range wireless communication channel through a packet-switched short-range wireless communication medium. And a short distance communication channel between the client terminal 105 and a wireless access point (or wireless IP router) located at a short distance through wireless, and the wireless AP (or wireless IP router) through the wireless AP (or wireless IP router). Or at least one device (or server) located at a short distance from a wireless IP sharer) to wirelessly connect a short range communication channel, wherein the short range wireless communication medium is Bluetooth (BlueTooth) compliant with the IEEE 802.11.x standard. Preferably, at least one of Wi-Fi, Ultra Wide Band system (UWB), and the like, the short-range wireless communication medium Acids is possible to replace it with another communication medium in accordance with the intentions of those of ordinary skill in the art (or more), and to which the present invention is not limited.

Alternatively, the short range wireless communication means of the direct communication method may connect the VoIP composite terminal 100 and the short range wireless communication channel through a short range wireless communication medium of the direct communication method, and the short range wireless communication of the direct communication method. The medium is a communication medium for directly connecting a short-range communication channel to the client terminal 105 and a device (or server) located in a short distance through a wireless network, and the short-range wireless communication medium supports a radio frequency (RF) radio frequency. It is preferable to include at least one communication, Bluetooth, Wi-Fi, UWB, and the short-range wireless communication medium type can be replaced (or added) with another communication medium according to the intention of those skilled in the art, whereby the present invention It is not limited.

Alternatively, the packet-switched short-range wired communication means connects the VoIP composite terminal 100 and the short-range wired communication channel through a packet-switched short-range wired communication medium, and the packet-switched short-range wired communication. The medium may connect a short distance communication channel to a hub (or an IP router or a communication modem) located at a short distance from the client terminal 105 through a wire, and connect the hub (or an IP router or a communication modem) to the hub (or an IP router or a communication modem). An IP router, a communication modem) and a device (or server) located in a short distance to connect a short distance communication channel through a wire, and the short range wireless communication medium may be a NetBIOS standard, an IPX / SPX standard, or TCP / IP (Transmission). It is preferable to include at least one Control Protocol / Internet Protocol (standard), and the type of short-range wired communication medium is intended by those skilled in the art It is possible to alternate according to a different communication medium (or more), and is not limited by the present invention thereto.

Alternatively, the short-range wired communication means of the direct communication method is characterized by connecting the VoIP composite terminal 100 and the short-range wired communication channel through a short-range wired communication medium of the direct communication method, the short-range wired communication of the direct communication method The medium is a communication medium for directly connecting a short-range communication channel to the client terminal 105 and a device (or server) located in a short distance through a wire, and the short-range wired communication medium supports a universal serial communication (USB). Bus), RS-232c is preferably included at least one, and the short-range wired communication medium type can be replaced (or added) according to the intention of those skilled in the art, the present invention is not limited thereby.

Alternatively, the optical communication means is connected to the VoIP composite terminal 100 and a short-range optical communication channel through an optical communication medium, the optical communication medium, the device located in the near field with the client terminal 105 (Or a server) and a communication medium that directly connects a short-range communication channel through optical communication in the infrared region. It is preferable to include one or more, and the type of optical communication medium can be replaced (or added) with another communication medium according to the intention of the skilled person, and the present invention is not limited thereto.

The VoIP composite terminal 100 is a VoIP terminal including the functional configuration shown in FIG. 2, which is connected to an IP communication network through a VoIP gateway 140 and a gatekeeper 145 on a VoIP system through a wide area communication medium. It is characterized in that it connects a voice call channel with a wired telephone connected to a telephone network including a cell phone connected to a Code Division Multiple Access (CDMA) / Wide-CDMA (WCDMA) based mobile communication network and a public switched telephone network (PSTN) / intelligence network. The wide area communication medium connecting to the IP communication network includes at least one wireless communication medium using the wireless AP (or wireless IP router), or a wired communication medium using a hub (or IP router) and a communication modem. It is done.

In addition, the VoIP composite terminal 100 is a short-range wireless communication means of the packet-switching method, a short-range wireless communication means of the direct communication method, a short-range wired communication means of the packet switching method for connecting the short-range communication channel with the client terminal 105 And at least one short range communication means including at least one short distance wired communication means of a direct communication method and an optical communication means.

The short-range wireless communication means of the packet-switched method connects the short-range wireless communication channel with the client terminal 105 through a short-range wireless communication medium of the packet-switched method. And a short distance communication channel through a wireless AP (or wireless IP sharer) located at a short distance with the VoIP composite terminal 100 and wirelessly, and connecting the wireless AP through the wireless AP (or wireless IP sharer). (Or a wireless IP sharer) and at least one or more devices (or servers) located in a short distance to connect a short range communication channel through a wireless network, wherein the short range wireless communication medium complies with the IEEE 802.11.x standard. Preferably, at least one Wi-Fi, UWB (Ultra Wide Band system) and the like, the short-range wireless communication medium The type may be replaced (or added) with other communication media according to the intention of the person skilled in the art, and the present invention is not limited thereto.

Alternatively, the short range wireless communication means of the direct communication method may connect the short range wireless communication channel with the client terminal 105 through a short range wireless communication medium of the direct communication method, and the short range wireless communication medium of the direct communication method. Is a communication medium for directly connecting a short-range communication channel through a wireless device (or server) located at a short distance with the VoIP composite terminal 100, and the short-range wireless communication medium supports a radio frequency (RF) radio frequency. It is preferable to include at least one communication, Bluetooth, Wi-Fi, UWB, and the short-range wireless communication medium type can be replaced (or added) with another communication medium according to the intention of those skilled in the art, whereby the present invention It is not limited.

Alternatively, the short-range wired communication means of the packet-switched method connects the short-range wired communication channel to the client terminal 105 through a short-range wired communication medium of the packet switched method, and the short-range wired communication medium of the packet switched method. The short-range communication channel is connected to the VoIP composite terminal 100 and a hub (or an IP router or a communication modem) located in a short distance through a wire, and the hub (or an IP router or a communication modem) is connected through the hub (or an IP router or a communication modem). An IP router, a communication modem) and a device (or server) located in a short distance to connect a short distance communication channel through a wire, and the short range wireless communication medium may be a NetBIOS standard, an IPX / SPX standard, or TCP / IP (Transmission). It is preferable to include at least one Control Protocol / Internet Protocol (standard), and the type of short-range wired communication medium is intended by those skilled in the art It is possible to alternate according to a different communication medium (or more), and is not limited by the present invention thereto.

Alternatively, the short-range wired communication means of the direct communication method is characterized in that for connecting the short-range wired communication channel with the client terminal 105 through a short-range wired communication medium of the direct communication method, the short-range wired communication medium of the direct communication method Is a communication medium for directly connecting a short-range communication channel to the VoIP composite terminal 100 and a device (or server) located in a short distance through a wire, and the short-range wired communication medium supports a USB (Universal Serial) that supports a direct communication method. Bus), RS-232c is preferably included at least one, and the short-range wired communication medium type can be replaced (or added) to another according to the intention of those skilled in the art, whereby the present invention is not limited.

Alternatively, the optical communication means connects the short distance optical communication channel with the client terminal 105 through an optical communication medium, and the optical communication medium is located near the VoIP composite terminal 100. (Or a server) and a communication medium that directly connects a short-range communication channel through optical communication in the infrared region. It is preferable to include one or more, and the type of optical communication medium can be replaced (or added) with another communication medium according to the intention of the skilled person, and the present invention is not limited thereto.

The wireless AP (or wireless IP sharer) provides a short-range wireless communication medium or a wireless communication medium in a packet-switched manner to the client terminal 105 and the VoIP composite terminal 100, and the hub (or IP). Router) and a communication modem are characterized in that a packet-switched short-range wired communication medium, or a wired communication medium is provided to the client terminal 105 and the VoIP composite terminal 100, and is commonly used in the art. Those skilled in the art will be familiar with the technical features of the wired and wireless communication devices, and a detailed description thereof will be omitted for convenience.

The online card payment system constituting the online branch payment system using the VoIP composite terminal 100 is connected to the client terminal 105 through an IP communication network, and the user of the VoIP composite terminal 100 from at least one billing institution. EBPP server 110 to provide a billing and billing (Electronic Bill Presentment and Payment) service to the payer, including, and the payment agent server 115 to provide a payment module in the form of a plug-in to the EBPP server 110. And a van server 125 that receives the payment approval request information requested from the payment agency server 115 and provides the payment approval request information to the card company server 135, the van server 125 and the dedicated network. It is connected via, characterized in that the made by including a card company server 135 to approve the card payment corresponding to the payment approval request information.

The online account transfer payment system constituting the online branch payment system using the VoIP composite terminal 100 is connected to the client terminal 105 through an IP communication network, and the VoIP composite terminal 100 is connected from at least one billing institution. An EBPP server 110 that provides an electronic bill presenting and payment service to a payer including a user, and a payment agent server that provides a payment module as a plug-in to the EBPP server 110 ( 115) and the financial institution server 130 for receiving the bank transfer request information requested from the payment agent server 115 and processing the bank transfer transaction corresponding to the bank transfer request information. It is done.

The EBPP server 110 is connected to the client terminal 105 through an IP communication network, and the electronic bill and payment billed to the payer including the user of the VoIP composite terminal 100 from at least one billing agency (Electronic Bill Presentment) and Payment) as a generic term for a web server that provides a service, a person having ordinary knowledge in the technical field to which the present invention belongs will be familiar with the technical features of the EBPP server 110, and a detailed description thereof will be provided for convenience. It will be omitted.

The payment server 115 is a payment gateway (PG) that is connected to the EBPP server 110 through a communication network to provide a payment module in the form of a plug-in to the EBPP server 110, the payment module is a shopping cart module , Payment means selection module, characterized in that it comprises at least one payment module for each payment method.

In this case, the shopping cart module may include geographies (eg, billing agency information, billing amount information, payer information, year / month) corresponding to the giro input (or selected) from the client terminal 105 from the EBPP server 110. Turn), the payer confirmation number, payer confirmation information) is stored in a database, and preferably comprises a module for calculating the amount of payment for at least one of the giro information stored in the database.

In addition, the payment means selection module is a module comprising a user interface for selecting a payment means for payment processing the payment amount, the payment means is a card payment means (eg credit card payment means, check card payment means Etc.), it is preferable that the account transfer means, at least one or more comprises a virtual account payment means.

According to the present invention, the payment means selection module further comprises a user interface for selecting a VoIP payment means for processing online payment by the VoIP composite terminal 100, the VoIP payment means It includes a payment means for processing to pay the payment amount contained in the giro payment information using the card information read through the card reader provided in the VoIP composite terminal 100.

The payment module for each payment means may include at least one relay server (eg, van server 125), a communication network, and a payment server (eg, card company server 135) corresponding to the payment means selected by the payment means selection module. A module for processing a payment transaction in association with the financial company server 130, a secure click payment module (or secure payment settlement module) for processing the card payment, or account transfer for processing the account transfer payment At least one payment module or a virtual account payment module for processing the virtual account payment is preferably made.

According to the present invention, the payment module for each payment means is used to process the online payment by the VoIP composite terminal 100, when the VoIP payment means is selected in the payment means selection module, the VoIP terminal to the client terminal 105 A user interface for inputting a VoIP phone number assigned to the terminal 100, billing institution information, billing information, payer information, year / month (time), payer confirmation number, payer confirmation information It is provided with a user interface for inputting (or selecting) information, and the payment information, including the VoIP phone number and at least one branch information entered through the user interface to the platform operation server 120 through a communication network Characterized in that it comprises a VoIP payment module for transmitting, and then corresponding to the giro payment information Non-payment is preferably handled via the VoIP compound terminal 100 provided in the client system.

The VoIP system constituting the online branch payment system using the VoIP composite terminal 100 includes: a VoIP gateway 140 connected to the VoIP composite terminal 100 through an IP communication network, the VoIP composite terminal 100, or The mobile terminal includes subscriber information on a conventional VoIP terminal and includes at least one other VoIP terminal (eg, another VoIP terminal connected to an IP communication network, a mobile phone connected to a CDMA / WCDMA based mobile communication network, a PSTN / Intelligent network). And a gatekeeper 145 that connects the voice call channel by performing a call processing procedure between wired telephones connected to a telephone network including the telephone network.

The VoIP gateway 140 is a gateway to which the VoIP composite terminal 100 is connected through the IP communication network for VoIP-based voice calls. If the VoIP gateway 140 has a general knowledge in the art, the VoIP gateway ( Since you will be familiar with the technical features of 140, a detailed description thereof will be omitted for convenience.

The gatekeeper 145 is connected to the VoIP composite terminal 100 through the VoIP gateway 140 and at least one other call terminal (eg, another VoIP terminal connected to an IP communication network) with the VoIP composite terminal 100. And a voice call channel by performing a call processing procedure between a mobile phone connected to a CDMA / WCDMA based mobile communication network and a landline phone connected to a telephone network including a PSTN / Intelligent network.

According to the present invention, in order to process online payment by using the VoIP composite terminal 100, the gatekeeper 145 sends a card transaction message including the payment information according to the message exchange protocol defined in the VoIP system. It is characterized in that for transmitting to the VoIP composite terminal 100 through the VoIP gateway 140.

Those skilled in the art will be familiar with the message exchange protocol specification defined in the VoIP system, and a detailed description thereof will be omitted for convenience.

The platform operation server 120 is connected to the VoIP composite terminal 100 on the client system via an IP communication network, and when the VoIP composite terminal 100 is provided in the client system, the VoIP composite terminal 100, the platform operation server 120 may be searched first through a wide area communication medium.

In addition, the platform operation server 120 is characterized in that it is connected to the online payment system, or the payment server 115 on the online bank transfer payment system through a communication network, the online using the VoIP composite terminal 100 During the payment process, it is characterized in that receiving the payment information provided from the EBPP server 110 from the payment agent server 115.

In addition, the platform operation server 120 is characterized in that the communication is connected to the gatekeeper 145 on the VoIP system through a communication network, the payment agent server for the online branch payment processing using the VoIP composite terminal 100 ( When the branch payment information is received from 115, a card transaction message including the branch payment information is generated and transmitted to the gatekeeper 145 on the VoIP system.

In addition, when the platform payment request information is received from the VoIP composite terminal 100 through the IP communication network, the platform operation server 120 provides the branch payment request information to the van server 125. Afterwards, the van server 125 transmits the branch payment request information to the card company server 135 corresponding to the card information included in the branch payment request information.

Hereinafter, a functional configuration of the VoIP composite terminal 100 for online branch payment processing using the VoIP composite terminal 100 will be described.

2 is a diagram illustrating a functional configuration of a VoIP composite terminal 100 having a selective payment (or financial transaction) function according to a communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates a VoIP complex having a payment function through selective payment (or financial transaction) according to a communication medium identification including at least one of short distance wireless communication, short distance wire communication, short distance optical communication, and wide area communication. Regarding the implementation method of the terminal 100, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 2 to process selective payment (or financial transactions) according to communication medium identification. Various VoIP composite terminal 100 having a function may be inferred, but the present invention includes all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. No.

Referring to FIG. 2, the VoIP composite terminal 100 for selective payment (or financial transaction) processing according to communication medium identification is basically a control unit 205, a memory unit 230, a card reader unit 210, and a key. It comprises an input unit 220, a screen output unit 215, a sound processor 225, security application module 250 and a power supply for supplying power to the VoIP composite terminal 100, the VoIP composite terminal ( At least one or more of the wireless communication unit 235 and the wired communication unit 240 and the optical communication unit 245 for communication connection with a plurality of communication media 100, at least one terminal function according to the intention of those skilled in the art It is possible to further comprise a part (not shown).

The control unit 205 controls the overall operation of the VoIP composite terminal 100 in function configuration, manages the flow of information or data between each component, and selective payment (or communication according to the communication medium identification function and communication medium identification) It is characterized by interworking and controlling at least one or more components provided in the VoIP composite terminal 100 for the Jiro payment function through a financial transaction), and hardware (Central Processing Unit) / MPU (Micro Processing Unit) At least one processor and an execution memory (for example, a register or a random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data. (100) Loaded from the predetermined recording medium into the execution memory to perform a specific function by the processor The VoIP composite terminal 100 includes a predetermined program routine (Routine) or program data to be processed (therefore, for the Jiro payment function through the communication medium identification function and selective payment (or financial transaction) according to the communication medium identification). A predetermined program recorded on a recording medium provided at the recording medium or a functional component provided at the VoIP composite terminal 100, which can be processed in software, is provided in the controller 205). It is characterized by.

According to an embodiment of the present invention, the control unit 205 is a component (eg, the memory unit 230, the card reader unit 210, the key input unit 220, and the screen) provided in the VoIP composite terminal 100. Output unit 215, security application module 250 and at least one wireless communication unit 235 and wired communication unit 240 and optical communication unit 245, or terminal functional unit (not shown) according to the intention of those skilled in the art Controlling and managing providing the electronic payment service defined in the VoIP composite terminal 100 by interworking with each other, as well as providing the VoIP composite terminal 100 with selective payment (or financial transaction) processing according to communication medium identification. To execute the program recorded in the recording medium provided in the VoIP composite terminal 100 for the control of the components provided with each other, or for the selective payment (or financial transaction) processing according to the communication medium identification. Desirable The.

The memory unit 230 inputs and outputs information when an operation by a predetermined program routine (or code) or program data (for example, a program routine (or code)) for controlling the overall operation of the VoIP composite terminal 100 is performed. Or a general term of non-volatile memory for storing data, and includes at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EEPROM) or flash memory (FM) or hard disk drive (HDD). And a predetermined program routine and program data (e.g., data input or output for the program routine to perform a predetermined function) that is required for the control unit 205 to perform a predetermined control function. It features.

According to the exemplary embodiment of the present invention, the memory unit 230 includes a plurality of communication medium information including at least one of short-range wireless communication, short-range wired communication, short-range optical communication, and wide-area communication provided in the VoIP composite terminal 100. And at least one payment processing information for each communication medium, banking processing information for each communication medium, giro processing information for each communication medium, ticket processing information for each communication medium, and charging processing information for each communication medium.

Here, the communication medium is a general term for a medium for exchanging information (or data) between the VoIP composite terminal 100 and an external terminal (or server), and connects the VoIP composite terminal 100 and an external terminal (or server). It is characterized in that it comprises a communication network (for example, a wired communication network, a wireless communication network) and the communication protocol provided in the communication network and various cables and radio waves (or radio transmitting and receiving device).

According to an embodiment of the present invention, the communication medium may be a short-range wireless communication medium, a short-range wired communication medium, an optical communication medium, which processes information (or data) exchange between the VoIP composite terminal 100 and an external terminal (or server). Preferably, the wireless communication medium includes at least one wide area communication medium, and the short range wireless communication medium includes at least one short range wireless communication medium of a packet-switched type and a short range wireless communication medium of a direct communication type. Preferably, the packet-switched local area wired communication medium and at least one local area wired communication medium of the direct communication method are included, and the wide area communication medium includes at least one wired communication medium and at least one wireless communication medium.

Here, the packet-switched short-range wireless communication medium is connected to the VoIP composite terminal 100 and a wireless access point (or wireless IP sharer) located in a short distance through a wireless connection to the short-range communication channel, the wireless AP (Or a wireless IP router) is a communication medium for wirelessly connecting a short distance communication channel with the wireless AP (or wireless IP router) and a client terminal 105 located in a short distance, wherein the short range wireless communication medium is IEEE 802.11. It is preferable to include at least one or more Bluetooth (BlueTooth), Wi-Fi (Wi-Fi), UWB (Ultra Wide Band system), etc. conforming to the standard, the type of the short-range wireless communication medium according to the intention of those skilled in the art It is possible to substitute (or add) to the medium, whereby the present invention is not limited.

Alternatively, the short-range wireless communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel through the wireless VoIP terminal and the client terminal 105 located in the short-range, the short-range wireless communication medium is It is preferable to include at least one or more RF (Radio Frequency) communication, Bluetooth, Wi-Fi, UWB to support a direct communication method, and the short-range wireless communication medium type is replaced (or added) according to the intention of those skilled in the art The present invention is not limited thereto.

Alternatively, the packet-switched short-range wired communication medium connects the short-range communication channel to the VoIP composite terminal 100 and a hub (or an IP router or a communication modem) located at a short distance through a wire, and the hub (or an IP router). And a communication medium for connecting a short distance communication channel between the hub (or an IP router, a communication modem) and a client terminal 105 located at a short distance through a communication modem. The short range wireless communication medium may be a netbios standard, It is preferable to include at least one or more of the IPX / SPX standard, TCP / IP (Transmission Control Protocol / Internet Protocol) standard, the short-range wired communication medium type is to replace (or add) another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Alternatively, the short-range wired communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel through the wire between the VoIP composite terminal 100 and the client terminal 105 located in the short-range, the short-range wired communication medium is It is preferable to include at least one USB (Universal Serial Bus) and RS-232c which supports a direct communication method, and the short-range wired communication medium may be replaced (or added) with another one according to the intention of a person skilled in the art. The present invention is not limited thereby.

Alternatively, the optical communication medium is a communication medium for directly connecting a short-range communication channel with the VoIP composite terminal 100 and a client terminal 105 located in a short distance through optical communication in an infrared region. An IrDA (Infrared Data Association) standard Infrared communication in accordance with the above, IrDA (Infrared Finance Messaging) of IrFM (Infrared Communication Messaging) is preferably made to include at least one or more, the optical communication medium type is to replace (or add) to another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Alternatively, when the VoIP composite terminal 100 is connected to a wired communication network, the wired communication medium may packet the VoIP composite terminal 100 and a gateway (or platform operating server 120) on the wired communication network through wired communication. As a communication medium for connecting a switched communication channel, it is desirable to provide a data communication conforming to the TCP / IP standard and a VoIP-based voice call based on the data communication, and the type of the wired communication medium is intended by those skilled in the art. It is possible to replace (or add) with another communication medium according to the present invention, thereby not limited to the present invention.

Or, if the VoIP composite terminal 100 is connected to a wireless communication network including at least one or more wireless sections, the VoIP composite terminal 100 and a gateway (or platform operation server 120) on the wireless communication network Is a communication medium for connecting a packet-switched communication channel through wireless communication, the data communication conforming to at least one of the IEEE 802.16x standard and the high-speed downlink packet access (HSDPA) standard, It is desirable to provide a VoIP-based voice call, and the type of wired communication medium may be replaced (or added) with another communication medium according to the intention of a person skilled in the art, and the present invention is not limited thereto.

Accordingly, the communication medium information may include at least one short range wireless communication medium information, short range wireless communication medium information, short distance wired communication medium information, and short distance corresponding to at least one or more communication media to which the VoIP terminal 100 communicates as described above. It is preferable to include wired communication medium information, optical communication medium information, wired communication medium information, wireless communication medium information, at least one or more communication media of the communication medium in the VoIP composite terminal 100 according to the intention of those skilled in the art If not provided, it is preferable to omit the communication medium information not provided.

The payment processing information for each communication medium may include at least one communication medium switching information for the payment processing and at least one or more key data for the payment security processing when the payment processing is performed using the VoIP composite terminal 100. It is preferable to include at least one, and further comprising at least one or more payment-related automatic input information for the convenience of information input of the user of the VoIP terminal 100 during the payment processing.

In the payment settlement process using the VoIP composite terminal 100, when payment information for the payment settlement process is received through at least one communication medium, the communication medium switching information is a first communication medium that receives the payment information. And second communication medium information for transmitting the payment request information including the payment information and the card information read through the card reader 210.

Alternatively, when the payment information for the payment processing is input through the key input unit 220, the communication medium switching information may include the payment information input through the key input unit 220 and the card reader 210. And second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium to which the VoIP composite terminal 100 is connected before the payment processing is the second communication medium. It is possible to include a communication medium such as a medium or include another communication medium.

In addition, the key data is confidentiality, authentication, integrity and integrity of the payment request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the payment request information. It is preferable to include at least one encryption key (or decryption key) for securing nonrepudiation.

The payment related automatic input information may be automatically input (or corrected after automatic input) among information input by the user through the key input unit 220 during the payment settlement process using the VoIP composite terminal 100. It is preferable that at least one information is included.

The banking processing information for each communication medium may include at least one or more key data for the financial transaction security information and the communication medium conversion information for the financial transaction processing when processing at least one or more financial transactions using the VoIP composite terminal 100. It is preferable to include one or more, it is preferable that the financial transaction further comprises at least one or more banking-related automatic input information for the convenience of information input of the user of the VoIP composite terminal (100).

In the financial transaction processing using the VoIP composite terminal 100, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include: a first receiving the financial transaction information; Preferably, the communication medium information includes second communication medium information for transmitting the financial transaction request information including the communication medium information, the financial transaction information, and the card information read through the card reader 210.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 220, the communication medium switching information may be the financial transaction information input through the key input unit 220 and the card reader unit 210. It is preferable that the second communication medium information for transmitting the financial transaction request information including the card information read through), the first communication medium connected to the VoIP composite terminal 100 before the financial transaction processing is It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is encrypted to secure confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the financial transaction request information. It is preferable to include at least one key (or decryption key).

In addition, the banking-related automatic input information may be automatically input (or corrected after automatic input) among information input by the user through the key input unit 220 during the financial transaction processing using the VoIP composite terminal 100. It is preferable that at least one information is included.

The Jiro processing information for each communication medium includes at least one giro payment processing using the VoIP composite terminal 100, at least one or more key data for the Jiro payment security processing and communication medium switching information for the Jiro payment processing. It is preferable to include at least one, and further comprising at least one automatically input information related to the Jiro for the convenience of information input of the user of the VoIP composite terminal 100 during the Jiro payment process.

In the zero payment process using the VoIP composite terminal 100, when the zero payment information for the payment is received through at least one or more communication media, the communication medium switching information is the first to receive the payment information. Preferably, the communication medium information includes second communication medium information for transmitting the branch payment request information including the communication medium information, the branch payment information, and the card information read through the card reader 210.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 220, the communication medium switching information is inputted through the key input unit 220 and the card reader unit 210. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the VoIP communication terminal 100 is connected to the first communication medium before the payment process is the It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is encrypted to secure the confidentiality, authentication, integrity and non-repudiation of the Giro payment request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the Giro payment request information It is preferable to include at least one key (or decryption key).

In addition, the giro-related automatic input information may be automatically input (or corrected after automatic input) of the information input by the user through the key input unit 220 during the giro payment processing using the VoIP composite terminal 100. It is preferable that at least one information is included.

The ticket processing information for each communication medium includes at least one ticket reservation / reservation using the VoIP composite terminal 100, at least one communication medium switching information for ticket reservation / reservation and the ticket reservation / reservation security processing. It is preferable to include at least one or more of the above key data, and further comprises at least one ticket reservation / reservation-related automatic input information for the convenience of information input of the user of the VoIP composite terminal 100 when the ticket reservation / reservation. It is preferable.

When the ticket reservation / reservation using the VoIP composite terminal 100, when the ticket reservation / reservation information for the ticket reservation / reservation is received through at least one or more communication media, the communication medium switching information is the ticket reservation / reservation It includes first communication medium information for receiving information, and the second communication medium information for transmitting the ticket reservation / reservation request information including the ticket reservation / reservation information and the card information read through the card reader 210 It is preferable to make it.

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 220, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 220 and the Preferably, the VoIP composite terminal 100 includes the second communication medium information for transmitting the ticket reservation / reservation request information including card information read through the card reader unit 210. The first communication medium previously connected may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data is the confidentiality, authentication, integrity and non-repudiation of the ticket reservation / reservation request information between the VoIP composite terminal 100 and the platform operation server 120 that receives the ticket reservation / reservation request information It is preferable to include at least one encryption key (or decryption key) to secure.

In addition, the ticket reservation / reservation-related automatic input information is when the ticket reservation / reservation using the VoIP composite terminal 100, the automatic input of the information input by the user through the key input unit 220 (or after automatic input) It is preferable to include at least one information which may be modified).

The charging processing information for each communication medium may include communication medium switching information for charging the electronic money and at least one key data for the electronic money charging security process when charging the at least one electronic money using the VoIP composite terminal 100. It is preferable to include at least one, it is preferable to further comprise at least one or more electronic money charging-related automatic input information for the convenience of information input of the user of the VoIP terminal (100) when charging the electronic money.

When the electronic money is charged using the VoIP composite terminal 100, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information is used to receive the electronic money charging information. Preferably, the first communication medium includes second communication medium information for transmitting electronic money charging request information including first communication medium information, the electronic money charging information, and card information read through the card reader 210.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 220, the communication medium switching information is inputted through the key input unit 220 and the electronic money charging information and the card reader unit. It is preferable that the second communication medium information for transmitting the electronic money charging request information including the card information read through the 210, the first communication connected to the VoIP composite terminal 100 before charging the electronic money The medium may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data to ensure confidentiality, authentication, integrity and non-repudiation of the electronic money charging request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the electronic money charging request information. At least one encryption key (or decryption key) is preferably included.

In addition, the electronic money charging-related automatic input information is automatically input (or corrected after automatic input) of the information input by the user through the key input unit 220 when charging the electronic money using the VoIP composite terminal 100 It is preferable to include at least one information which may be sufficient.

Customers using the VoIP composite terminal 100, MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard, or contact IC card (or wireless IC chip), or ISO based on the ISO / IEC 7816 standard Has a card (or possesses) at least one contactless IC card (or wireless IC chip) based on the / IEC 14443 standard, and the card reader unit 210 has at least one information or It provides an interface for reading data.

According to an embodiment of the present invention, the card reader unit 210 is an MS reader unit that provides an interface between the MS card and the VoIP composite terminal 100, or the contact IC card and the VoIP composite terminal 100. It comprises a contact IC reader unit for providing an interface, or a contactless IC reader unit for providing an interface between the contactless IC card and the VoIP terminal 100.

The MS reader unit is a card reader unit 210 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data to the VoIP composite terminal 100 from at least one or more tracks provided in the MS of the MS card using the loading.

The contact IC reader unit is a card reader unit 210 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized in that the interface to the VoIP composite terminal (100).

The contactless IC reader unit is a card reader unit 210 based on ISO / IEC 14443. The contactless IC reader unit includes at least one or more electrical contacts in contact with the contactless IC card by using capacitive coupling or inductive coupling. It includes an antenna, and supplies power to the IC chip of the IC card through the antenna, VoIP information terminal from the IC chip through the half-duplex transaction using the APDU predetermined information or data It is characterized by interfacing to (100).

According to an embodiment of the present invention, the card reader unit 210 may provide predetermined card information (for example, a card to the card reader unit) from at least one or more card reader units 210 for the electronic payment service defined in the VoIP composite terminal 100. It is preferable to read the payment means information corresponding to the payment means including at least one credit card, debit card, debit card, cash card, financial account provided, and also optional payment according to the communication medium identification (or It is desirable to read predetermined card information from at least one card for financial transaction).

According to the method of the present invention, the card information is a card number and expiration date information and card corresponding to a customer payment means for selective payment (or giro payment, ticket processing, or charging processing) according to the communication medium identification It is preferable to include at least one issuer information, the card number preferably comprises at least one or more credit card number, check card number, prepaid card number.

Alternatively, the card information includes at least one account number (or card number) and financial company information corresponding to a customer financial means for selective financial transactions (or giro payment, ticket processing, or charging processing) according to the communication medium identification. Preferably, the account number comprises at least one of a real account number and a virtual account number. The card number includes at least one of a cash card number, a debit card number, and a check card number. It is preferable to make it.

The key input unit 220 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Detects information (or signals) inputted from the predetermined key, and selects a predetermined key from the predetermined key button provided in the key input device in the specific input mode or operation mode of the VoIP composite terminal 100 controlled by the controller 205. When information (or a signal) is input, a key event corresponding to the input information (or a signal) is generated, and the generated key event is provided to the controller 205, and the controller 205 Acquires predetermined key data corresponding to the key event in the current input mode or the operation mode of the VoIP composite terminal 100, or performs a predetermined function defined by matching the key event. Characterized in that for obtaining a command for performing. The key input unit 220 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the VoIP composite terminal 100.

The key input device interworking with the key input unit 220 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a letter key (for example, an English letter key or a Korean letter key) and a function. At least one keyboard device having a key, or at least one touch screen device having at least one numeric key and a function key in conjunction with the screen output means, or at least one numeric key, a character key and a function key. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the key input unit 220 may use key data corresponding to the electronic payment service (eg, payment) from at least one or more key input devices for the electronic payment service defined in the VoIP composite terminal 100. It is preferable to perform a function of a key input means for receiving an amount of money, etc., and also for selective payment (or financial transaction) processing according to a communication medium identification. Or financial transaction), it is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of providing a process.

According to the exemplary embodiment of the present invention, the key input device corresponding to the key input unit 220 selects an operation mode of the VoIP composite terminal 100 according to communication medium identification in an initial mode, a voice call mode, or a data communication mode. Key for switching to at least one payment mode for each communication medium, banking mode for each communication medium, giro mode for each communication medium, ticket mode for each communication medium, charging mode for each communication medium, and video receiving mode for payment (or financial transaction) processing It is desirable to have a button.

The screen output unit 215 is a liquid crystal display (LCD) or a CRT (Cathode Ray) by the control unit 205 while the VoIP composite terminal 100 performs a predetermined function (for example, an electronic payment processing function). At least one information or data that is predefined or defined in real time to be output to a predetermined display output device including a tube) through a predefined interface screen, wherein the screen output unit 215 and the screen Output devices interoperate with each other to perform the function of screen output means provided in the VoIP composite terminal 100.

Predefined information or data to be output from the VoIP composite terminal 100 to the screen output device includes key data input through the key input unit 220 or components provided in the VoIP composite terminal 100. Information (or data) stored or generated by the at least one wireless communication unit 235, wired communication unit 240, information (or data) transmitted and received through the optical communication unit 245, or the VoIP composite terminal 100 It includes at least one or more information (or data) corresponding to a predetermined operation result performed by the.

According to a preferred embodiment of the present invention, the screen output unit 215 outputs an electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the VoIP composite terminal 100. It is preferable to perform a function of a screen output means, and to provide a selective payment (or financial transaction) processing according to the communication medium identification to the screen output device for the selective payment (or financial transaction) processing according to the communication medium identification. It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the step.

The sound processor 225 is a function component that processes input and output of sound in the voice call mode of the VoIP composite terminal 100. The sound processor 225 decodes at least one coded sound data (or voice data) to decode the VoIP. It is provided with a vocoder and a codec for encoding and encoding a sound signal outputted through a speaker provided in the composite terminal 100 or through a microphone provided in the VoIP composite terminal 100. Characterized in that made.

The wireless communication unit 235 may include at least one of a short range wireless communication unit 235 and a wide area wireless communication unit 235.

The short range wireless communication unit 235 is a communication unit that connects communication with the short range wireless communication medium in the VoIP composite terminal 100, and is a wireless AP (or wireless access point) located at a short distance with the VoIP composite terminal 100. IP router) to connect a short-range communication channel via wireless, or directly connect the short-range communication channel through the wireless VoIP terminal 100 and the client terminal 105 located in the short-range.

According to an embodiment of the present invention, the short range wireless communication unit 235 connects a short distance communication channel through the wireless AP (or wireless IP sharer) located at a short distance with the VoIP composite terminal 100. In this case, the short-range wireless communication unit 235 preferably comprises at least one Bluetooth (BlueTooth) communication, Wi-Fi (Wi-Fi) communication, UWB (Ultra Wide Band system) communication function in accordance with the IEEE 802.11.x standard. .

According to another embodiment of the present invention, when the short range wireless communication unit 235 directly connects the short distance communication channel with the VoIP composite terminal 100 and the client terminal 105 located in the short range through wireless, the short range wireless communication The communication unit 235 preferably includes at least one of RF (Radio Frequency) communication, Bluetooth communication, Wi-Fi communication, and UWB communication supporting a direct communication method.

The wide area wireless communication unit 235 is a communication unit that connects communication with the wireless communication medium in the VoIP composite terminal 100, and when the VoIP composite terminal 100 connects to a wireless communication network including at least one wireless section. In addition, the VoIP composite terminal 100 and the gateway (or platform operating server 120) on the wireless communication network is characterized in that for connecting the packet-switched communication channel via wireless communication.

According to an embodiment of the present invention, the wide area wireless communication unit 235 preferably provides data communication conforming to at least one of the IEEE 802.16x standard and the HSDPA standard, and a VoIP-based voice call based on the data communication.

The wireless communication unit 235 is characterized in that it comprises at least one short-range wired communication unit 240 and a wide area wired communication unit 240.

The short-range wired communication unit 240 is a communication unit that connects the communication with the short-range wired communication medium in the VoIP composite terminal 100, a hub (or IP router, communication modem) located at a short distance with the VoIP composite terminal 100 It is characterized in that to connect the short-range communication channel via a wire, or directly connecting the short-range communication channel through the wired client terminal 105 located in the near field and the VoIP composite terminal 100.

According to an embodiment of the present invention, when the short-range wired communication unit 240 connects the short-range communication channel with the VoIP composite terminal 100 and a hub (or IP sharer, communication modem) located in a short distance through a wire, The short-range wired communication unit 240 preferably comprises at least one of a NetBIOS standard, an IPX / SPX standard, and a TCP / IP standard.

According to another exemplary embodiment of the present invention, when the short-range wired communication unit 240 directly connects the short-range communication channel with the VoIP composite terminal 100 and the client terminal 105 located in the short-range through a wire, the short-range wired The communication unit 240 preferably includes at least one USB (Universal Serial Bus), RS-232c, which supports a direct communication method.

The wide area wired communication unit 240 is a communication unit for connecting communication with the wired communication medium in the VoIP composite terminal 100, when the VoIP composite terminal 100 is connected to a wired communication network (or intelligent network), the VoIP composite The terminal 100 and the gateway (or the platform operating server 120) on the wired communication network may be connected to a communication channel of a packet switched method through wired communication.

According to the exemplary embodiment of the present invention, the wide area wire communication unit 240 preferably provides data communication based on the TCP / IP standard and VoIP-based voice call based on the data communication.

The optical communication unit 245 is a communication unit that connects the communication with the optical communication medium in the VoIP composite terminal 100, an optical communication in the infrared region with the client terminal 105 located near the VoIP composite terminal 100 It is characterized in that the short-range communication channel through the direct connection.

According to an embodiment of the present invention, the optical communication unit 245 preferably includes at least one infrared communication complying with an Infrared Data Association (IrDA) standard, and an infrared communication conforming to an Infrared Finance Messaging (IrFM) standard of IrDA. .

The security application module 250 (SAM) is a confidentiality or authentication required in the process of performing the selective payment (or financial transaction) by the VoIP composite terminal 100 according to the communication medium identification. Security requirements, including authentication or integrity or nonrepudiation, into a secure and reliable structure within the VoIP composite terminal 100 without using an authentication server (not shown) on the payment network. As a safety device for performing, the VoIP composite terminal 100 encrypts or decrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, electronic payment or electronic payment function). Key information important in the process of adding an authenticator that prevents forgery (or tampering) of the message or performing the security request function. It characterized in that it performs the function of storing.

In general, the security application module 250 is preferably made of a predetermined security application module 250 inserter and the security application module 250 chip, the security application module 250 chip has at least 8 bits CPU and memory built-in An Application Specific Integrated Circuit (ASIC) chip (e.g., a PLCC 44-pin chip) or an IC chip (e.g., an IC card in the form of a subscriber identity module (SIM)) with at least 2 MIPS (Million Instructions Per Second) performance It is preferable to comprise a.

In addition, the security application module 250 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the VoIP composite terminal 100 to perform a predetermined security request function) Etc.) or key (e.g., one master key and at least one application key) or protocol (e.g., trading protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money company / card company) registration protocol , Privilege acquisition protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / cancel) Command) is preferably provided.

According to an exemplary embodiment of the present invention, the memory of the security application module 250 is a short-range wireless communication corresponding to at least one or more communication media that the VoIP composite terminal 100 can communicate with, in place of the memory unit 230. A plurality of communication medium information including at least one of media information, short range wireless communication medium information, short distance wired communication medium information, short distance wired communication medium information, optical communication medium information, wired communication medium information, and wireless communication medium information; It is possible to store at least one payment processing information for each communication, banking processing information for each communication medium, Jiro processing information for each communication medium, ticket processing information for each communication medium, charging processing information for each communication medium.

The communication medium information may include at least one short range wireless communication medium information, a short range wireless communication medium information, a short distance wired communication medium information, and a short distance corresponding to at least one or more communication media to which the VoIP composite terminal 100 communicates as described above. It is preferable to include wired communication medium information, optical communication medium information, wired communication medium information, wireless communication medium information, at least one or more communication media of the communication medium in the VoIP composite terminal 100 according to the intention of those skilled in the art If not provided, it is preferable to omit the communication medium information not provided.

The payment processing information for each communication medium may include at least one communication medium switching information for the payment processing and at least one or more key data for the payment security processing when the payment processing is performed using the VoIP composite terminal 100. It is preferable to include one or more.

The banking processing information for each communication medium may include at least one or more key data for the financial transaction security information and the communication medium conversion information for the financial transaction processing when processing at least one or more financial transactions using the VoIP composite terminal 100. It is preferable to include one or more.

The Jiro processing information for each communication medium includes at least one giro payment processing using the VoIP composite terminal 100, at least one or more key data for the Jiro payment security processing and the communication medium switching information for the Jiro payment processing. It is preferable to include one or more.

In addition, the key data for securing the confidentiality, authentication, integrity and non-repudiation of the Giro payment request information between the VoIP composite terminal 100 and the platform operation server 120 receiving the Giro payment request information It is preferable that at least one encryption key (or decryption key) is included.

The ticket processing information for each communication medium includes at least one ticket reservation / reservation using the VoIP composite terminal 100, at least one communication medium switch information for ticket reservation / reservation and at least one ticket reservation / reservation security process. It is preferable to include at least one or more key data.

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 220, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 220 and the It is preferable that the second communication medium information for transmitting the ticket reservation / reservation request information including the card information read through the card reader unit 210, the VoIP composite terminal 100 is the ticket reservation / advance reservation The first communication medium previously connected may be a communication medium such as the second communication medium, or may include another communication medium.

The charging processing information for each communication medium may include communication medium switching information for charging the electronic money and at least one key data for the electronic money charging security process when charging the at least one electronic money using the VoIP composite terminal 100. It is preferable to comprise at least one or more.

Referring to FIG. 2, the VoIP composite terminal 100 is connected to a communication unit that processes at least one wide area communication among the wireless communication unit 235 and the wired communication unit 240 in a voice call mode (eg, a VoIP system on a communication network). A communication channel connection unit 260 for connecting a communication channel with the VoIP gateway 135 and the VoIP gatekeeper 140, and performs a call processing procedure for a VoIP-based voice call through the communication channel, and at least one call terminal And a voice call processing unit 284 for providing a voice call service with a call terminal connected to the call through the communication channel.

The VoIP composite terminal 100 shown in FIG. 2 basically provides a VoIP voice call function. For this purpose, the communication channel connection unit 260 may include at least one of the wireless communication unit 235 and the wired communication unit 240. It is characterized in that the communication channel for VoIP voice call with the VoIP gateway 135, or VoIP gatekeeper 140 on the communication network in connection with the communication unit for processing the communication.

The communication channel for the VoIP voice call may include a protocol for connecting a call by performing a call processing procedure with at least one call terminal, and the VoIP composite terminal 100 and at least one server (or terminal) may have a message ( For example, it characterized in that it comprises a protocol for transmitting and receiving a short message).

The voice call processing unit 284 performs a call processing procedure with at least one or more other call terminals in connection with the VoIP gateway 135 or the VoIP gatekeeper 140 on the communication network through the communication channel, and at least one call terminal When a call is connected to a call, the call terminal and the VoIP-based voice call service are provided through the communication channel.

Those skilled in the art will be familiar with the technical features of the communication channel connection unit 260 and voice call processing unit 284 for the VoIP-based voice call, so Description will be omitted for convenience.

Referring to FIG. 2, the VoIP composite terminal 100 communicates with a web server on a communication network in association with a communication unit that processes at least one of the wireless communication unit 235 and the wired communication unit 240 in a data communication mode. It comprises a communication channel connection unit 260 for connecting the data communication processing unit 286 for providing a browsing service provided by the web server through the communication channel.

The VoIP composite terminal 100 shown in FIG. 2 provides a browsing function in addition to the VoIP voice call function. For this purpose, the communication channel connection unit 260 may include at least one of the wireless communication unit 235 and the wired communication unit 240. A web server (eg, a web server corresponding to a Hyper-Text Transfer Protocol (HTTP) compliant protocol, or a web server corresponding to a WAP (Wireless Application Protocol) protocol) on a communication network in connection with a communication unit for processing a wide area communication, for browsing It is characterized by connecting a communication channel.

The data communication processor 286 connects a communication channel for browsing service with a web server on a communication network through a communication channel corresponding to an HTTP compatible protocol or a WAP protocol, and is compatible with Hyper-Text Markup Language (HTML) from the web server. A document, or a web document in the form of a wireless markup language (WML) compatible document, is received and output through the screen output unit 215.

Those skilled in the art will be familiar with the technical features of the communication channel connection unit 260 and the data communication processing unit 286 for the browsing service. It will be omitted for convenience.

Referring to FIG. 2, the VoIP composite terminal 100 is connected to at least one communication unit of the wireless communication unit 235, the wired communication unit 240, and the optical communication unit 245 in close proximity with the VoIP composite terminal 100. Communication medium search unit for connecting at least one communication medium connectable to the VoIP composite terminal 100 by connecting a communication channel with a client terminal 105, or a gateway (or platform operating server 120) on the communication network located in the When the at least one communication medium is searched for in the communication medium searching unit, the searched communication medium information, the payment processing information for each communication medium, the banking processing information for each communication medium, the Jiro processing information for each communication medium, and the ticket for each communication medium And a communication medium information storage unit 282 storing the processing information and charging processing information for each communication medium in the memory unit 230.

For the selective payment (or financial transaction) processing according to the communication medium identification, the communication medium search unit, the wireless communication unit 235, wired communication unit 240, optical in the idle state of the voice call mode or data communication mode Of the communication unit 245, the client terminal 105 located at a short distance from the VoIP composite terminal 100, or a gateway (or platform operating server 120) on a communication network periodically according to a channel discovery protocol corresponding to each communication unit. By connecting a communication channel it is characterized in that the search for at least one or more communication media that can be connected in the VoIP terminal 100.

The communication medium searched by the communication medium searching unit includes a short range wireless communication medium, a short distance wired communication medium, an optical communication medium, which processes information (or data) exchange between the VoIP composite terminal 100 and an external terminal (or server). Preferably, the wireless communication medium includes at least one wide area communication medium, and the short range wireless communication medium includes at least one short range wireless communication medium of a packet-switched type and a short range wireless communication medium of a direct communication type. Preferably, the packet-switched local area wired communication medium and at least one local area wired communication medium of the direct communication method are included, and the wide area communication medium includes at least one wired communication medium and at least one wireless communication medium.

Here, the packet-switched short-range wireless communication medium is connected to the VoIP composite terminal 100 and a wireless access point (or wireless IP sharer) located in a short distance through a wireless connection to the short-range communication channel, the wireless AP (Or a wireless IP router) is a communication medium for wirelessly connecting a short distance communication channel with the wireless AP (or wireless IP router) and a client terminal 105 located in a short distance, wherein the short range wireless communication medium is IEEE 802.11. It is preferable to include at least one of Bluetooth (BlueTooth), Wi-Fi (Ui-Fi), UWB (Ultra Wide Band system), etc. conforming to the standard, and the type of short-range wireless communication medium according to the intention of those skilled in the art It is possible to substitute (or add) to, by which the present invention is not limited.

Alternatively, when the VoIP composite terminal 100 is connected to a wired communication network, the wired communication medium may packet the VoIP composite terminal 100 and a gateway (or platform operating server 120) on the wired communication network through wired communication. As a communication medium for connecting a switched communication channel, it is desirable to provide a data communication conforming to the TCP / IP standard and a VoIP-based voice call based on the data communication, and the type of the wired communication medium is intended by those skilled in the art. It is possible to replace (or add) with another communication medium according to the present invention, whereby the present invention is not limited.

Those skilled in the art of the present invention, the wireless communication unit 235, wired communication unit 240, optical communication unit 245 of the technical characteristics of the channel search protocol corresponding to each communication unit, Since there will be, a more detailed description thereof will be omitted for convenience.

When at least one communication medium is searched by the communication medium searching unit, the communication medium information storage unit 282 associates the searched communication medium information with payment processing information for each communication medium to the memory unit 230 (or It is characterized in that the storage in the security application module (250).

According to an embodiment of the present invention, the payment processing information for each communication medium is inactivated with a plurality of communication medium information that can be connected to the memory unit 230 (or the security application module 250) through the VoIP composite terminal 100. In the case of cooperative processing and storage, the communication medium information storage unit 282 may activate the payment processing information for each communication medium stored in association with the searched communication medium information.

When at least one communication medium is searched by the communication medium search unit, the communication medium information storage unit 282 associates the searched communication medium information with banking processing information for each communication medium to the memory unit 230 ( Or in the security application module 250).

According to an exemplary embodiment of the present invention, the banking processing information for each communication medium is deactivated with a plurality of communication medium information connectable to the memory unit 230 (or the security application module 250) through the VoIP composite terminal 100. In the case of cooperative processing and storage, the communication medium information storage unit 282 may activate the banking processing information for each communication medium stored in association with the searched communication medium information.

When at least one communication medium is searched by the communication medium searching unit, the communication medium information storage unit 282 associates the searched communication medium information with processing information for each communication medium to the memory unit 230 (or It is characterized in that the storage in the security application module (250).

The Jiro processing information for each communication medium includes at least one giro payment processing using the VoIP composite terminal 100, at least one or more key data for the Jiro payment security processing and communication medium switching information for the Jiro payment processing. It is preferable to include one or more.

According to an embodiment of the present invention, the processing information for each communication medium in the memory unit 230 (or the security application module 250) is deactivated with a plurality of communication medium information that can be connected through the VoIP composite terminal 100. In the case of cooperative processing and storage, the communication medium information storage unit 282 activates processing information for each communication medium stored in association with the searched communication medium information.

When at least one communication medium is searched by the communication medium search unit, the communication medium information storage unit 282 associates the searched communication medium information with ticket processing information for each communication medium to the memory unit 230 (or It is characterized in that the storage in the security application module (250).

According to an exemplary embodiment of the present invention, the ticket processing information for each communication medium is inactivated with a plurality of communication medium information connectable to the memory unit 230 (or the security application module 250) through the VoIP composite terminal 100. In the case of cooperative processing and storage, the communication medium information storage unit 282 may activate the ticket processing information for each communication medium stored in association with the searched communication medium information.

When at least one communication medium is searched by the communication medium searching unit, the communication medium information storage unit 282 associates the searched communication medium information with charging processing information for each communication medium to form the memory unit 230 (or It is characterized in that the storage in the security application module (250).

According to an embodiment of the present invention, the charging processing information for each communication medium is inactivated with a plurality of communication medium information connectable to the memory unit 230 (or the security application module 250) through the VoIP composite terminal 100. In the case of cooperative processing and storage, the communication medium information storage unit 282 may activate the charging processing information for each communication medium stored in association with the searched communication medium information.

Referring to FIG. 2, the VoIP composite terminal 100 selects a plurality of pieces of communication medium information found in the memory unit 230 by the communication medium information storage unit 282. The wireless communication unit 235, the wired communication unit 240, or the optical communication unit 245 may be connected to at least one communication unit in accordance with an operation mode of the VoIP composite terminal 100 for payment (or financial transaction) processing. A communication channel connection unit 260 for connecting a communication channel with a VoIP composite terminal 100 and a client terminal 105 located at a short distance, or a gateway (or platform operating server 120) on a communication network, and the communication channel connection unit 260 It characterized in that it comprises a communication medium confirmation unit 270 for confirming the communication medium corresponding to the communication channel connected through).

When the operation mode of the VoIP composite terminal 100 is a voice call mode according to an embodiment of the present invention, the communication channel connection unit 260 is a wide area communication of at least one of the wireless communication unit 235 and the wired communication unit 240. The VoIP gateway 135 or the VoIP gatekeeper 140 on the communication network and the communication channel for the VoIP voice call are connected to the communication unit for processing the communication unit. In this case, the communication medium checking unit 270 is It is characterized in that the communication medium connected to the VoIP composite terminal 100 is identified as a wireless communication medium or a wired communication medium for the VoIP-based voice call.

Alternatively, when the operation mode of the VoIP composite terminal 100 is a data communication mode, the communication channel connection unit 260 may provide a web server and browsing service on a communication network through a communication channel corresponding to an HTTP compatible protocol or a WAP protocol. Connect a communication channel, and receive a web document in the form of a Hyper-Text Markup Language (HTML) compatible document or a WML (Wireless Markup Language) compatible document from the web server and output the web document through the screen output unit 215. In this case, the communication medium checking unit 270 may identify a communication medium to which the VoIP composite terminal 100 is connected as a wireless communication medium or a wired communication medium for the data communication.

When the operation mode of the VoIP composite terminal 100 is the voice call mode or the data communication mode, the communication channel connection unit 260 is connected to the communication channel of the client terminal 105 located near the VoIP composite terminal 100. The short distance communication channel is connected to the client terminal 105 by a request, or the short distance between the client terminal 105 located near the VoIP complex terminal 100 by menu selection provided in the VoIP complex terminal 100. Characterized in that the communication channel is connected.

In this case, the communication medium checking unit 270 is a packet-switched short-range wireless communication medium, a direct communication short-range wireless communication in accordance with a communication medium connecting the short-range communication channel to the communication medium to which the VoIP composite terminal 100 is connected. A communication medium, a short-range wired communication medium of a packet-switched method, a short-range wired communication medium of a direct communication method, or an optical communication medium may be identified.

Referring to FIG. 2, for the selective payment according to the communication medium identification according to the exemplary embodiment of the present invention, the VoIP composite terminal 100 is selected from a plurality of menus output through the screen output unit 215. When the payment menu is selected through the key input unit 220, the first communication medium (or the VoIP composite terminal 100) identified by the communication medium checking unit 270 in connection with the memory unit 230 is presently present. An information checking unit 266 for checking at least one second communication medium information included in payment processing information including first media information corresponding to the first communication medium connected thereto; and the payment settlement of the second communication mediums. Outputs a mode selection interface for selecting a second communication medium to process the data; and selects a second communication medium to be settled through the key input unit 220 to determine an operation mode of the VoIP composite terminal 100 in the first communication; Media Information and Reminders A mode switching unit 268 for switching to a payment mode for each communication medium corresponding to the selected second communication medium information, and a communication for processing the payment through the selected second communication medium when switching to the payment mode for each communication medium; When the communication channel connection unit 260 connecting the channel and the communication channel through the second communication medium, the payment information and payment security information for payment processing through the second communication medium through the key input unit 220 An interface output unit 272 that receives input and outputs a payment interface for each communication medium receiving card information read from a customer card through the card reader unit 210, and the payment information and the payment information through the payment interface for each communication medium; An information input unit 274 for inputting payment security information and card information is provided.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 215. Outputs a plurality of menus, and when the payment menu is selected from the plurality of menus through the key input unit 220, the information checking unit 266 is configured to identify the first information checked by the communication medium checking unit 270. Confirm first media information corresponding to a communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected), and communication medium switching information including first medium information in association with the memory unit 230. Confirming at least one or more payment processing information, including, and at least one or more second communication medium information included in the confirmed payment processing information.

When the at least one second communication medium information is confirmed by the information checking unit 266, the mode switching unit 268 is connected to the screen output unit 215 and among the at least one or more second communication mediums identified. And outputting a mode selection interface for selecting a second communication medium to process the payment, and selecting the second communication medium to be paid for through the key input unit 220, The operation mode may be switched to a payment mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the payment mode for each communication medium is a client terminal 105 located at a short distance from the VoIP composite terminal 100 via a packet-switched short-range wireless communication medium for payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the client terminal 105 located near the VoIP composite terminal 100 through the short range wireless communication medium of the payment request information generated by the VoIP composite terminal 100 through a direct communication method. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of a packet exchange method for payment request information generated by the VoIP complex terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the client terminal 105 located at a short distance with the VoIP composite terminal 100 through the short-range wired communication medium of the payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the payment request information generated in the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a payment mode for processing the payment.

Alternatively, in the payment mode for each communication medium, the payment request information generated in the VoIP composite terminal 100 is transmitted to a gateway (or platform operating server 120) on the communication network through a wired communication medium to process the payment. It is preferable to include a payment mode.

Alternatively, in the payment mode for each communication medium, the payment request information generated in the VoIP composite terminal 100 is transmitted to a gateway (or platform operating server 120) on the communication network through a wireless communication medium to process the payment. It is preferable to include a payment mode.

When the operation mode of the VoIP composite terminal 100 is switched to the payment mode for each communication medium by the mode switching unit 268, the communication channel connection unit 260 receives payment request information through the selected second communication medium. It is characterized by connecting a communication channel for transmitting and processing the payment.

Here, the communication channel connection unit 260 is a short-range wireless communication channel for transmitting the payment request information to the client terminal 105 located in the short-range with the VoIP composite terminal 100 through a short-range wireless communication medium of the packet exchange method. It is preferable to connect.

Alternatively, the communication channel connection unit 260 may provide a short range wireless communication channel for transmitting the payment request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 260 is a short-range wired communication channel for transmitting the payment request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 via a packet-switched short-range wired communication medium. It is preferable to connect.

Or, the communication channel connection unit 260 is a short-range wired communication channel for transmitting the payment request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium of the direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 260 may connect an optical communication channel for transmitting the payment request information to the VoIP terminal 100 and the client terminal 105 located at a short distance through an optical communication medium. .

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the payment request information to a gateway (or platform operating server 120) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the payment request information to a gateway (or platform operating server 120) on the communication network through a wireless communication medium.

When the communication channel is connected through the second communication medium by the communication channel connection unit 260, the interface output unit 272 uses the key input unit 220 to make payment information for payment processing through the second communication medium. (E.g., payment amount, merchant information) and payment security information (e.g., card password, platform OTP (one time password authenticated by a gateway (or platform operation server 120) on a communication network other than a card company / financial company), etc.) The card reader unit 210 outputs a payment interface for each communication medium that receives the card information read from the customer card.

Here, the payment interface for each communication medium may include payment information (eg, payment amount, merchant information) and payment security information (eg, card password, for payment processing through the second communication medium through the key input unit 220). Platform OTP, etc.) is preferably included, and preferably comprises a user interface for requesting to read the customer card through the card reader 210.

If the customer card is an IC card and the card reader unit 210 includes an IC reader unit, the payment interface for each communication medium may input a password (eg, a PIN (Personal Identification Number)) included in the payment security information. It is preferable to further comprise a user interface for confirming the validity through the IC card.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, and the payment request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the payment processing), the payment for each communication medium The interface may omit some of the user interface for receiving payment information (eg, payment amount, merchant information) and payment security information (eg, card password, platform OTP, etc.), and the present invention is not limited thereto.

After the payment interface for each communication medium is output by the interface output unit 272, the information input unit 274 transmits the payment information (eg, payment amount and merchant information) and payment security through the key input unit 220. Characterized in that the information (for example, card password, platform OTP, etc.) input processing.

According to another exemplary embodiment of the present invention, a part of the user interface for receiving the payment information (eg, payment amount, merchant information) and payment security information (eg, card password, platform OTP, etc.) is omitted from the payment interface for each communication medium. In this case, the information input unit 274 may not process the input information corresponding to the omitted user interface, and thus the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 210 based on the payment interface for each communication medium, the information input unit 274 inputs the card information in association with the card reader unit 210. Characterized in that.

Referring to FIG. 2, the VoIP composite terminal 100 is connected to the VoIP composite terminal 100 by the communication channel connection unit 260 for selective payment according to a communication medium identification according to another embodiment of the present invention. A message receiving unit 262 for receiving a card transaction message from the connected first communication medium, a message checking unit 264 for reading the received card transaction message and confirming that payment information is included, and confirming the payment information At this time, the first communication medium information corresponding to the first communication medium (or the first communication medium receiving the card transaction message) confirmed by the communication medium confirmation unit 270 is confirmed, and the memory unit 230 An information confirming unit 266 for identifying second communication medium information corresponding to the payment information among second communication medium information associated with the first communication medium information in connection with the first communication medium information; Confirmed A communication channel connection unit 260 connecting a communication channel for processing the payment through a communication medium; and an operation mode of the VoIP composite terminal 100 when the communication channel is connected through a second communication medium. Mode security unit 268 for switching to a payment mode for each communication medium including the communication medium information and the second communication medium information, and the payment security for payment processing through the second communication medium through the key input unit 220 An interface output unit 272 for receiving information and outputting a payment interface for each communication medium receiving card information read from a customer card through the card reader unit 210 and the payment through the payment interface for each communication medium; An information input unit 274 for inputting security information and card information is provided.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 260, the VoIP composite terminal 100 is defined in the first communication medium. Receive at least one message data according to a message exchange protocol, wherein the message receiver 262 corresponds to a message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 260. According to the characterized in that it receives a predetermined card transaction message for selective payment according to the communication medium identification.

When a predetermined card transaction message is received by the message receiving unit 262, the message checking unit 264 reads the received card transaction message to determine whether payment information is included.

According to an embodiment of the present invention, the payment information included in the card transaction message preferably includes a payment amount and merchant information. PG identification information, payment page URL information, and payment according to the intention of a person skilled in the art. It is preferable that the payment path code information further comprises at least one.

When the message confirming unit 264 confirms that the payment information is included in the card transaction message, the information confirming unit 266 receives the card transaction message in association with the communication medium confirming unit 270. Identifying a first communication medium, identifying at least one or more payment processing information including communication medium switching information including first media information in association with the memory unit 230, and included in the confirmed payment processing information; Among the at least one piece of second communication medium information, the second communication medium information corresponding to the payment information is confirmed.

According to an exemplary embodiment of the present disclosure, the information checking unit 266 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 230. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the payment information includes the payment page URL, the information confirming unit 266 of the communication medium information stored in the memory unit 230, the VoIP composite terminal 100 Packet-switched short-range wireless communication medium, direct-wired short-range wireless communication medium, packet-switched short-range wired communication medium, or direct communication It is preferable to automatically check any one of a short distance wired communication medium or an optical communication medium as the second communication medium, and even if the payment page URL is included according to the intention of a person skilled in the art, the VoIP composite terminal 100 The connected wireless communication medium or wired communication medium may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the payment information includes the payment path code information, the information confirming unit 266 of the communication medium information stored in the memory unit 230, the payment payment; A wireless communication medium corresponding to the route code information, or a wired communication medium, or a short-range wireless communication medium in a packet-switched manner, a short-range wireless communication medium in a direct-communication manner, a short-range wireless communication medium in a packet-switched manner, or a short-range wired communication in a direct communication manner. Preferably, the communication medium or any one of the optical communication medium is automatically identified to the second communication medium.

When the second communication medium to process the payment is confirmed by the information confirming unit 266, the communication channel connection unit 260 establishes a communication channel for processing the payment through the confirmed second communication medium. It is characterized by connecting.

Here, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located at a short distance through a packet-switched short-range wireless communication medium identified by the information checking unit 266. It is preferable to connect a short range wireless communication channel for transmitting payment request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short range wireless communication medium of the direct communication method identified by the information checking unit 266. It is preferable to connect a short range wireless communication channel for transmitting payment request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short-range wired communication medium of a packet exchange method identified by the information checking unit 266. It is preferable to connect a short-range wired communication channel for transmitting the payment request information.

Alternatively, the communication channel connection unit 260 may be connected to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method identified by the information checking unit 266. It is preferable to connect a short-range wired communication channel for transmitting the payment request information.

Alternatively, the communication channel connection unit 260 transmits the payment request information to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 266. It is preferable to connect an optical communication channel.

Alternatively, the communication channel connection unit 260 transmits the payment request information to the gateway (or the platform operation server 120) on the communication network through the wired communication medium identified by the information checking unit 266. It is preferable to connect.

Alternatively, the communication channel connection unit 260 transmits the payment request information to the gateway (or the platform operation server 120) on the communication network through the wireless communication medium identified by the information checking unit 266. It is preferable to connect.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 260, the mode switching unit 268 receives the first communication medium in which the card transaction message is received in the operation mode of the VoIP composite terminal 100. Characterized in that the communication channel by the communication channel connection unit 260 is switched to the payment mode for each communication medium including the information connected to the communication medium.

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 260, the operation mode of the VoIP composite terminal 100 by the mode switching unit 268 corresponding to the second communication medium When the payment mode is switched, the interface output unit 272 inputs payment security information (eg, card password, platform OTP, etc.) for payment processing through the second communication medium through the key input unit 220. And outputting a payment interface for each communication medium that receives the card information read from the customer card through the card reader unit 210.

Here, the payment interface for each communication medium includes a user interface for receiving payment security information (eg, card password, platform OTP, etc.) for payment processing through the second communication medium through the key input unit 220. Preferably, it is preferably made, including a user interface for requesting to read the customer card through the card reader unit 210.

If the customer card is an IC card and the card reader 210 includes an IC reader, the payment interface for each communication medium may include a card password (eg, a PIN (Personal Identification Number)) included in the payment security information. Preferably through the user interface to confirm the validity of the IC card through.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, and the payment request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the payment processing), the payment for each communication medium The interface may be omitted a user interface for receiving payment security information (for example, card password, platform OTP, etc.), thereby not limited to the present invention.

After the payment interface for each communication medium is output by the interface output unit 272, the information input unit 274 transmits the payment security information (eg, card password, platform OTP, etc.) through the key input unit 220. Characterized in that the input processing.

According to another embodiment of the present invention, when the user interface for inputting the payment security information (for example, card password, platform OTP, etc.) to the payment interface for each communication medium is omitted, the information input unit 274 is the omitted user. The information corresponding to the interface may not be input-processed, and the present invention is not limited thereto.

Referring to FIG. 2, the VoIP composite terminal 100 generates information for generating payment request information corresponding to the second communication medium, including at least one of the input processed payment information, payment security information, and card information. The unit 276 and an information transmitter 278 for transmitting the payment request information through a communication channel connected through the second communication medium when the payment request information is generated.

When the card information is input and processed through the information input unit 274, and the payment information and the payment security information are input and processed according to an implementation method, the information generation unit 276 performs the input payment information and payment security information and the card. At least one information may be included to generate payment request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located at a short distance by the communication channel connection unit 260 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generator 276 preferably generates payment request information transmitted through the short-range wireless communication medium.

Or, the communication channel via the short-range wireless communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 preferably generates payment request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100, the VoIP composite terminal 100, and a client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generator 276 preferably generates payment request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via a short-range wired communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 preferably generates payment request information transmitted through a short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 260 is connected between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a client terminal 105 located in a short distance through an optical communication medium, the information is provided. The generation unit 276 preferably generates payment request information transmitted through the optical communication medium.

Alternatively, when the communication channel is connected through the wired communication medium between the VoIP composite terminal 100 and the gateway (or platform operation server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Preferably generates payment request information transmitted through the wired communication medium.

Alternatively, when the communication channel is connected through the wireless communication medium between the VoIP composite terminal 100 and the gateway (or platform operating server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Preferably generates payment request information transmitted through the wireless communication medium.

When the payment request information is generated by the information generating unit 276, the information transmitting unit 278 transmits the payment request information through a communication channel connected through the second communication medium.

When the information transmitting unit 278 transmits the payment request information through a communication channel connected through the second communication medium, at least one key data is included in the payment processing information including the second communication medium information. In this case, the information transmission unit 278 preferably transmits the encrypted payment request information through the key data.

Those skilled in the art will be familiar with the technical features of encrypting and transmitting the payment request information through at least one encryption key, and a detailed description thereof will be omitted for convenience. .

After the payment request information is transmitted by the information transmitting unit 278, when a payment corresponding to the payment request information is processed, the message receiver including the payment result information is received through the message receiving unit 262. And is output through the screen output unit 215.

Referring to FIG. 2, the VoIP terminal 100 for selective financial transactions according to a communication medium identification according to an exemplary embodiment of the present invention may include a plurality of menus output through the screen output unit 215. When the banking menu is selected through the key input unit 220, the first communication medium (or the VoIP composite terminal 100) identified by the communication medium checking unit 270 in association with the memory unit 230 is presently present. An information checking unit 266 for identifying at least one second communication medium information included in banking processing information including first media information corresponding to a first connected communication medium), and the financial transaction of the second communication mediums. Outputs a mode selection interface for selecting a second communication medium to process a; and selects a second communication medium for a financial transaction through the key input unit 220, and sets an operation mode of the VoIP composite terminal 100 in the first communication Media Information and Awards A mode switching unit 268 for switching to a banking mode for each communication medium corresponding to the selected second communication medium information, and a communication for processing the financial transaction through the selected second communication medium when switching to a banking mode for each communication medium; When the communication channel connection unit 260 connecting the channel and the communication channel through the second communication medium, the financial transaction information and financial transaction security for the financial transaction processing through the second communication medium through the key input unit 220 The interface output unit 272 for receiving the information, and outputs the financial transaction interface for each communication medium receiving the card information read from the customer card through the card reader unit 210, and through the financial transaction interface for each communication medium And an information input unit 274 for input processing the financial transaction information, financial transaction security information, and card information.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 215. Outputs a plurality of menus, and when the banking menu is selected from the plurality of menus through the key input unit 220, the information checking unit 266 is configured to identify the first information as determined by the communication medium checking unit 270. Confirm first media information corresponding to the communication medium (or the first communication medium to which the VoIP composite terminal 100 is currently connected), and the communication medium switching information including the first medium information in association with the memory unit 230. Identifying at least one or more banking processing information including the beam, and identifying at least one or more second communication media information included in the checked banking processing information.

When the at least one second communication medium information is confirmed by the information checking unit 266, the mode switching unit 268 is connected to the screen output unit 215 and among the at least one or more second communication mediums identified. And a mode selection interface for selecting a second communication medium to process the financial transaction. When the second communication medium to be targeted for financial transaction is selected through the key input unit 220, the VoIP composite terminal 100 The operation mode may be switched to a banking mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the banking mode for each communication medium is a client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short-range wireless communication medium of the financial transaction request information generated by the VoIP complex terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the client terminal 105 located near the VoIP complex terminal 100 through the short range wireless communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a direct communication method. It is preferable to include a banking mode to process the financial transaction by transmitting in).

Alternatively, in the banking mode for each communication medium, the client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a packet exchange method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the client terminal 105 located at a short distance from the VoIP complex terminal 100 through the short distance wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a banking mode for processing financial transactions.

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to a gateway (or platform operating server 120) on the communication network through a wired communication medium to process the financial transaction. It is preferable to include a banking mode.

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to a gateway (or platform operating server 120) on the communication network through a wireless communication medium to process the financial transaction. It is preferable to include a banking mode.

When the operation mode of the VoIP composite terminal 100 is switched to the banking mode for each communication medium by the mode switching unit 268, the communication channel connection unit 260 may provide financial transaction request information through the selected second communication medium. It characterized in that for transmitting the communication channel for processing the financial transaction.

Here, the communication channel connection unit 260 is a short-range wireless communication channel for transmitting the financial transaction request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wireless communication medium of the packet exchange method It is preferable to connect.

Alternatively, the communication channel connection unit 260 transmits the financial transaction request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 260 is a short-range wired communication channel for transmitting the financial transaction request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 via a packet-switched short-range wired communication medium. It is preferable to connect.

Alternatively, the communication channel connection unit 260 is a short-range wired communication channel for transmitting the financial transaction request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium of the direct communication method. It is preferable to connect.

Alternatively, the communication channel connector 260 may connect an optical communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through an optical communication medium. .

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the financial transaction request information to a gateway (or platform operating server 120) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the financial transaction request information to a gateway (or platform operating server 120) on the communication network through a wireless communication medium.

When the communication channel is connected through the second communication medium by the communication channel connection unit 260, the interface output unit 272 performs a financial transaction for the financial transaction processing through the second communication medium through the key input unit 220. Receive information (eg, transaction amount, payee account information) and financial transaction security information (eg, card password, account password, platform OTP, etc.), and read card information read from the customer card through the card reader 210. It is characterized by outputting a financial transaction interface for each communication medium received.

Here, the financial transaction interface for each communication medium may include financial transaction information (eg, transaction amount, payee account information) and financial transaction security information (eg, transaction amount) for the financial transaction processing through the second communication medium through the key input unit 220. , Card password, account password, platform OTP, etc.) is preferably included, and preferably includes a user interface for requesting reading of the customer card through the card reader 210.

If the customer card is an IC card and the card reader unit 210 includes an IC reader unit, the financial transaction interface for each communication medium may include a password (eg, a personal identification number (PIN) included in the financial transaction security information. It is preferable that further comprises a user interface for checking the validity of the IC card through).

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, when the financial transaction request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for processing the financial transaction), for each communication medium The financial transaction interface may omit some of the user interface for inputting financial transaction information (eg, transaction amount, beneficiary account information) and financial transaction security information (eg, card password, account password, platform OTP, etc.). The present invention is not limited.

After the financial transaction interface for each communication medium is output by the interface output unit 272, the information input unit 274 receives the financial transaction information (e.g., transaction amount and payee account information) through the key input unit 220. And financial transaction security information (eg, card password, account password, platform OTP).

According to another embodiment of the present invention, the financial transaction information (eg, transaction amount, payee account information) and financial transaction security information (eg, card password, account password, platform OTP, etc.) are input to the financial transaction interface for each communication medium. When a part of the receiving user interface is omitted, the information input unit 274 may not process inputting information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 210 based on the financial transaction interface for each communication medium, the information input unit 274 inputs the card information in association with the card reader unit 210. It is characterized by processing.

Referring to FIG. 2, the VoIP composite terminal 100 is connected to the VoIP composite terminal 100 by the communication channel connection unit 260 for selective financial transactions according to a communication medium identification according to another embodiment of the present invention. A message receiving unit 262 which receives a card transaction message from the connected first communication medium, a message checking unit 264 which reads the received card transaction message and checks whether financial transaction information is included, and the financial transaction information. When checking, confirming the first communication medium information corresponding to the first communication medium (or the first communication medium receiving the card transaction message) confirmed by the communication medium confirmation unit 270, the memory unit 230 Information confirmation unit 266 for confirming second communication medium information corresponding to the financial transaction information among second communication medium information linked to the first communication medium information in connection with the first communication medium information; , Operation mode of the VoIP composite terminal 100 when the communication channel connection unit 260 for connecting the communication channel for processing the financial transaction through the second communication medium and the communication channel via the second communication medium, A mode switching unit 268 for switching to a banking mode for each communication medium including the first communication medium information and the second communication medium information, and the financial transaction processing through the second communication medium through the key input unit 220. Interface output unit 272 for receiving the financial transaction security information for the output, the financial transaction interface for each communication medium receiving the card information read from the customer card through the card reader unit 210, and for each communication medium And an information input unit 274 configured to input and process the financial transaction security information and the card information through a financial transaction interface.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 260, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 262 receives a message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 260. Accordingly, it is characterized in that for receiving a predetermined card transaction message for the selective financial transaction in accordance with the communication medium identification.

When a predetermined card transaction message is received by the message receiving unit 262, the message checking unit 264 reads the received card transaction message to determine whether financial transaction information is included.

According to the exemplary embodiment of the present invention, the financial transaction information included in the card transaction message may include at least one transaction amount and a payee account information. PG identification information and a financial transaction page according to the intention of a person skilled in the art Preferably, the URL information and financial transaction path code information are further included.

When it is confirmed by the message confirming unit 264 that the financial transaction information is included in the card transaction message, the information confirming unit 266 receives the card transaction message in association with the communication medium confirming unit 270. Identify a first communication medium, identify at least one or more banking processing information including communication medium switching information including first media information in association with the memory unit 230, and include the information in the checked banking processing information; And identifying second communication medium information corresponding to the financial transaction information among the at least one second communication medium information.

According to another exemplary embodiment of the present invention, when the financial transaction information includes the financial transaction page URL, the information checking unit 266 may be configured to execute the VoIP composite terminal among communication medium information stored in the memory unit 230. Near field communication (100), a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-range wired communication medium of the packet-switching method to communicate with the client terminal 105 connected to the financial transaction page, or directly It is preferable to automatically check any one of a short-range wired communication medium or an optical communication medium of a communication method as the second communication medium. Even if the financial transaction page URL is included according to the intention of a person skilled in the art, the VoIP composite The wireless communication medium or the wired communication medium to which the terminal 100 is connected may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the financial transaction information includes the financial transaction path code information, the information confirming unit 266 may include the financial medium information among the communication medium information stored in the memory unit 230. Wireless communication medium corresponding to the transaction path code information, or wired communication medium, or a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication method, a short-range wireless communication medium of a packet-switching method, or a short distance of a direct communication method. Preferably, the communication medium of either a wired communication medium or an optical communication medium is automatically identified as the second communication medium.

When the second communication medium to process the financial transaction is confirmed by the information confirming unit 266, the communication channel connection unit 260 establishes a communication channel for processing the financial transaction through the identified second communication medium. It is characterized by connecting.

Here, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located at a short distance through a packet-switched short-range wireless communication medium identified by the information checking unit 266. It is desirable to connect a short range wireless communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short range wireless communication medium of the direct communication method identified by the information checking unit 266. It is desirable to connect a short range wireless communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short-range wired communication medium of a packet exchange method identified by the information checking unit 266. It is preferable to connect a short-range wired communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short-range wired communication medium of the direct communication method identified by the information checking unit 266. It is preferable to connect a short-range wired communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 260 transmits the financial transaction request information to the VoIP terminal 100 and the client terminal 105 located at a short distance through the optical communication medium identified by the information checking unit 266. It is desirable to connect the transmitting optical communication channel.

Alternatively, the communication channel connection unit 260 transmits the financial transaction request information to the gateway (or the platform operation server 120) on the communication network through the wired communication medium identified by the information checking unit 266. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 260 transmits the financial transaction request information to a gateway (or platform operation server 120) on the communication network through a wireless communication medium identified by the information checking unit 266. It is desirable to connect the channels.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 260, the mode switching unit 268 receives the first communication in which the card transaction message is received in the operation mode of the VoIP composite terminal 100. The method may include switching to a banking mode for each communication medium including media information and second communication medium information connected to the communication channel by the communication channel connection unit 260.

Alternatively, in the banking mode for each communication medium, the client terminal 105 located near the VoIP complex terminal 100 through the short range wireless communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 260, the operation mode of the VoIP composite terminal 100 by the mode switching unit 268 corresponding to the second communication medium When switching to the star banking mode, the interface output unit 272 through the key input unit 220 financial transaction security information (for example, card password, account password, platform OTP for the financial transaction processing through the second communication medium) And the like), and outputs a financial transaction interface for each communication medium that receives card information read from a customer card through the card reader 210.

Here, the financial transaction interface for each communication medium receives the financial transaction security information (eg, card password, account password, platform OTP, etc.) for the financial transaction processing through the second communication medium through the key input unit 220. It is preferable to include a user interface, and preferably comprises a user interface for requesting to read the customer card through the card reader unit 210.

If the customer card is an IC card and the card reader unit 210 includes an IC reader unit, the financial transaction interface for each communication medium may include a card password and an account password (eg, a PIN ( Personal Identification Number)) preferably further comprises a user interface for checking the validity of the IC card.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, when the financial transaction request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for processing the financial transaction), for each communication medium The financial transaction interface may omit a user interface for receiving financial transaction security information (for example, a card password, an account password, a platform OTP, etc.), and the present invention is not limited thereto.

After the financial transaction interface for each communication medium is output by the interface output unit 272, the information input unit 274 through the key input unit 220, the financial transaction security information (for example, card password, account password, Platform OTP).

According to another embodiment of the present invention, when the user interface for receiving the financial transaction security information (for example, card password, account password, platform OTP, etc.) is omitted from the financial transaction interface for each communication medium, the information input unit 274. It is not necessary to process the input information corresponding to the omitted user interface, whereby the present invention is not limited.

Referring to FIG. 2, the VoIP composite terminal 100 includes at least one of the input processed financial transaction information, financial transaction security information, and card information to generate financial transaction request information corresponding to the second communication medium. And an information transmitter 276 for transmitting the financial transaction request information through a communication channel connected through the second communication medium when the financial transaction request information is generated. do.

When the card list is input through the information input unit 274 and the financial transaction information and the financial transaction security information are input and processed according to an implementation method, the information generation unit 276 performs the input financial transaction information and the financial transaction. And at least one security information and card information to generate financial transaction request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located at a short distance by the communication channel connection unit 260 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generator 276 may generate the financial transaction request information transmitted through the short-range wireless communication medium of the packet exchange method.

Or, the communication channel via the short-range wireless communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 preferably generates the financial transaction request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100, the VoIP composite terminal 100, and a client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generator 276 preferably generates the financial transaction request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via a short-range wired communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 preferably generates the financial transaction request information transmitted through the short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 260 is connected between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a client terminal 105 located in a short distance through an optical communication medium, the information is provided. The generation unit 276 preferably generates financial transaction request information transmitted through the optical communication medium.

Alternatively, when the communication channel is connected through the wired communication medium between the VoIP composite terminal 100 and the gateway (or platform operation server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Preferably generates financial transaction request information transmitted through the wired communication medium.

Alternatively, when the communication channel is connected through the wireless communication medium between the VoIP composite terminal 100 and the gateway (or platform operating server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Preferably generates financial transaction request information transmitted through the wireless communication medium.

When the financial transaction request information is generated by the information generation unit 276, the information transmission unit 278 transmits the financial transaction request information through a communication channel connected through the second communication medium. .

In the information transmitter 278 transmitting the financial transaction request information through a communication channel connected through the second communication medium, at least one key data is included in the banking processing information including the second communication medium information. If included, the information transmission unit 278 preferably transmits the financial transaction request information encrypted through the key data.

Those skilled in the art will be familiar with the technical features of encrypting and transmitting the financial transaction request information through at least one or more encryption keys, and thus, a detailed description thereof will be omitted. do.

After the financial transaction request information is transmitted by the information transmission unit 278 and a financial transaction corresponding to the financial transaction request information is processed, a messageer including the financial transaction result information through the message receiving unit 262. It is preferably received and output through the screen output unit 215.

Referring to FIG. 2, the VoIP composite terminal 100 provides a screen output unit 215 for paying giro through a selective payment (or financial transaction) process according to a communication medium identification according to an embodiment of the present invention. Of the plurality of menus output through the, if the Giro payment menu is selected through the key input unit 220, the first communication medium confirmed by the communication medium check unit 270 in conjunction with the memory unit 230 An information checking unit 266 for identifying at least one second communication medium information included in the geoprocessing information including first medium information corresponding to the first communication medium to which the VoIP composite terminal 100 is currently connected. And a mode selection interface for selecting a second communication medium to process the branch payment among the second communication mediums, and selecting the second communication medium to be paid to the branch through the key input unit 220, Of the terminal 100 A mode switching unit 268 for converting an operation mode to a communication medium specific mode corresponding to the first communication medium information and the selected second communication medium information; A communication channel connecting unit 260 connecting a communication channel for processing the branch payment through a medium, and a connection through the second communication medium through the key input unit 220 when connecting a communication channel through a second communication medium. Interface output unit 272 for receiving the giro payment information and giro payment security information for the payment processing, and outputs the Giro payment interface for each communication medium receiving the card information read from the customer card through the card reader 210 And an information input unit 274 for inputting and processing the giro payment information, the giro payment security information, and the card information through the giro payment interface for each communication medium. And that is characterized.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 215. Outputs a plurality of menus, and when the payout menu is selected from the plurality of menus through the key input unit 220, the information checking unit 266 is configured to be checked by the communication medium checking unit 270. 1 confirms the first media information corresponding to the communication medium (or the first communication medium to which the VoIP composite terminal 100 is currently connected) and includes a first communication medium in association with the memory unit 230. Identifying at least one geoprocessing information including the switching information, and identifying at least one second communication medium information included in the identified geoprocessing information.

When the at least one second communication medium information is confirmed by the information checking unit 266, the mode switching unit 268 is connected to the screen output unit 215 and among the at least one or more second communication mediums identified. And outputting a mode selection interface for selecting a second communication medium to process the payment, and when selecting the second communication medium to be paid to the payment through the key input unit 220, the VoIP terminal 100. The operation mode may be switched to a mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the communication mode for each communication medium is a client terminal 105 which is located near the VoIP composite terminal 100 via the short-range wireless communication medium of the GIP payment request information generated in the VoIP composite terminal 100. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, in the Giro mode for each communication medium, the client terminal 105 located near the VoIP composite terminal 100 through the short range wireless communication medium of the Giro payment request information generated in the VoIP composite terminal 100 is a direct communication method. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the communication mode for each medium is a client terminal 105 which is located near the VoIP composite terminal 100 via a short-range wired communication medium in which the giro payment request information generated in the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the communication medium-specific Giro mode is a client terminal 105 located at a short distance with the VoIP composite terminal 100 via the short-range wired communication medium of the Giro payment request information generated in the VoIP composite terminal 100. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, in each of the telecommunication medium media mode, the Giga payment request information generated by the VoIP complex terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP complex terminal 100 through an optical communication medium. It is preferable to include the giro mode which processes a giro payment.

Alternatively, the Jiro mode for each communication medium transmits the Jiro payment request information generated by the VoIP composite terminal 100 to a gateway (or platform operating server 120) on the communication network through a wired communication medium to process the Jiro payment. It is preferable to include a giro mode.

Alternatively, the Jiro mode for each communication medium transmits the Jiro payment request information generated by the VoIP composite terminal 100 to a gateway (or platform operating server 120) on the communication network through a wireless communication medium to process the Jiro payment. It is preferable to include a giro mode.

When the operation mode of the VoIP composite terminal 100 is switched to the communication medium-specific mode by the mode switching unit 268, the communication channel connection unit 260 transmits the giro payment request information through the selected second communication medium. It characterized in that for transmitting the communication channel for processing the branch payment by transmitting a.

Here, the communication channel connection unit 260 is a short-range wireless communication channel for transmitting the branch payment request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wireless communication medium of the packet exchange method It is preferable to connect.

Alternatively, the communication channel connection unit 260 transmits the branch payment request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 260 transmits the branch payment request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is preferable to connect.

Alternatively, the communication channel connection unit 260 is a short-range wired communication channel for transmitting the branch payment request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium of the direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 260 may connect an optical communication channel for transmitting the branch payment request information to the VoIP terminal 100 and the client terminal 105 located at a short distance through an optical communication medium. .

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the branch payment request information to a gateway (or platform operating server 120) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the branch payment request information to a gateway (or platform operating server 120) on the communication network through a wireless communication medium.

When the communication channel is connected through the second communication medium by the communication channel connection unit 260, the interface output unit 272 is a Jiro payment unit for processing the payment through the second communication medium via the key input unit 220 Receiving information and giro payment security information (for example, card password, platform OTP, etc.), and outputs the payment interface for each communication medium receiving card information read from the customer card through the card reader 210. It is done.

Here, the Giro payment interface for each communication medium inputs Giro payment information and Giro payment security information (eg, card password, platform OTP, etc.) for the payment of the payment through the second communication medium via the key input unit 220. It is preferable to include a receiving user interface, and preferably comprises a user interface for requesting to read the customer card through the card reader unit 210.

According to one embodiment of the present invention, when processing the payment by branch, the payment information of the branch is at least one of billing agency information, billing information, payer information, year / month (time), payer confirmation number, payer confirmation information It is preferable to include the above, and it is preferable that the claim information is automatically set as the payment amount for the giro payment.

When processing integrated giro payment according to another embodiment of the present invention, the giro payment information is at least one of billing institution information, billing information, payer information, year / month (time), payer confirmation number, payer confirmation information It is preferable that the information includes payment amount information including the plurality of giro information included above and the amount of billing information included in the plurality of giro information.

If the customer card is an IC card and the card reader unit 210 includes an IC reader unit, the Jiro payment interface for each communication medium may be connected to the IC through a password (eg, a PIN) included in the Jiro payment security information. It is preferred to further comprise a user interface for checking the validity of the card.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, and when the giro payment request information includes only card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the giro payment processing), the communication medium As for the giro payment interface, some of the user interface for receiving the giro payment information and the giro payment security information (for example, card password, platform OTP, etc.) may be omitted, and the present invention is not limited thereto.

After the payment interface for each communication medium is output by the interface output unit 272, the information input unit 274 transmits the payment information and the payment security information (eg, a card password) through the key input unit 220. , Platform OTP, etc.).

According to another embodiment of the present invention, when some of the user interface for inputting the giro payment information and the giro payment security information (for example, card password, platform OTP, etc.) to the giro payment interface for each communication medium is omitted, the information input unit Reference numeral 274 may not process input information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 210 based on the payload interface for each communication medium, the information input unit 274 inputs the card information in association with the card reader unit 210. It is characterized by processing.

Referring to FIG. 2, the VoIP composite terminal 100 is connected to the communication channel connection unit 260 for payment of giro through a selective payment (or financial transaction) process according to a communication medium identification according to another embodiment of the present invention. Message receiving unit 262 for receiving a card transaction message from the first communication medium to which the VoIP composite terminal 100 is connected, and reading the received card transaction message to confirm whether the payment information is included. The first communication medium corresponding to the first communication medium (or the first communication medium receiving the card transaction message) confirmed by the communication medium confirmation unit 270 when the section 264 and the giro payment information is confirmed. Confirming the information, and confirming the information confirming the second communication medium information corresponding to the giro payment information among the second communication medium information associated with the first communication medium information in association with the memory unit 230. A communication channel connection unit 260 which connects the communication unit 266 with a communication channel for processing the branch payment through the identified second communication medium when the second communication medium is checked, and communication through the second communication medium. When the channel is connected, the mode switching unit 268 for switching the operation mode of the VoIP composite terminal 100 to a communication mode for each communication medium including the first communication medium information and the second communication medium information, and the key input unit ( Through the 220 to receive the giro payment security information for the giro payment processing through the second communication medium, and through the card reader unit 210 to the Giro payment interface for each communication medium to receive the card information read from the customer card And an information input unit 274 for inputting and processing the branch payment security information and the card information through the branch payment interface for each communication medium. The.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 260, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 262 receives a message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 260. Accordingly, a predetermined card transaction message for giro payment is received through selective payment (or financial transaction) processing according to communication medium identification.

When a predetermined card transaction message is received by the message receiving unit 262, the message checking unit 264 reads the received card transaction message and checks whether the payment information is included.

According to an exemplary embodiment of the present invention, the giro payment information included in the card transaction message may include at least one of billing agency information, billing amount information, payer information, year / month (time), payer confirmation number, and payer confirmation information. It is preferable to include giro information to be included and payment amount information corresponding to the billed amount information.

According to another exemplary embodiment of the present invention, the giro payment information included in the card transaction message may include at least one of billing institution information, billing amount information, payer information, year / month (time), payer confirmation number, and payer confirmation information. It is preferable that the information includes payment amount information including the plurality of giro information included above and the amount of billing information included in the plurality of giro information.

In addition, according to one embodiment of the present invention, the giro payment information included in the card transaction message includes at least billing agency information, charge amount information, payer information, year / month (time), payer confirmation number, payer confirmation information. It is preferable that the information includes one or more giro information and payment amount information corresponding to the charge amount information.

In addition, according to the intention of the person skilled in the art to implement the present invention, the giro payment information included in the card transaction message further includes at least one or more of PG identification information, giro payment page URL information, and giro payment path code information. desirable.

When it is confirmed by the message confirming unit 264 that the card payment message includes the giro payment information, the information confirming unit 266 receives the card transaction message in association with the communication medium confirming unit 270. Identify a first communication medium, identify at least one geoprocessing information including communication medium switching information including first media information in association with the memory unit 230, and include the information in the identified geoprocessing information Among the one or more pieces of second communication medium information, the second communication medium information corresponding to the branch payment information is confirmed.

According to another exemplary embodiment of the present invention, when the giro payment information includes the giro payment page URL, the information checking unit 266 is the VoIP composite terminal of the communication medium information stored in the memory unit 230. Near field communication (100), a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a near-field wired communication medium of the packet-switching method to communicate with the client terminal 105 connected to the page to pay giro It is preferable to automatically check any one of a short-range wired communication medium or an optical communication medium of a communication method as the second communication medium, and even if the branch pay page URL is included, according to the intention of a person skilled in the art. The wireless communication medium or the wired communication medium to which the terminal 100 is connected may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the giro payment information includes the giro payment path code information, the information confirming unit 266 may include, among the communication medium information stored in the memory unit 230, the geo-route. Wireless communication medium corresponding to the payment path code information, or wired communication medium, or packet-switched short-range wireless communication medium, direct-communication short-range wireless communication medium, packet-switched short-range wired communication medium, or direct communication Preferably, the communication medium of either a wired communication medium or an optical communication medium is automatically identified as the second communication medium.

When the second communication medium for processing the branch payment is confirmed by the information confirming unit 266, the communication channel connection unit 260 establishes a communication channel for processing the branch payment through the identified second communication medium. It is characterized by connecting.

Here, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located at a short distance through a packet-switched short-range wireless communication medium identified by the information checking unit 266. It is preferable to connect a short range wireless communication channel for transmitting the branch payment request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short range wireless communication medium of the direct communication method identified by the information checking unit 266. It is preferable to connect a short range wireless communication channel for transmitting the branch payment request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short-range wired communication medium of a packet exchange method identified by the information checking unit 266. It is preferable to connect a short-distance wired communication channel for transmitting giro payment request information.

Alternatively, the communication channel connection unit 260 may be connected to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method identified by the information checking unit 266. It is preferable to connect a short-distance wired communication channel for transmitting giro payment request information.

Alternatively, the communication channel connection unit 260 transmits the branch payment request information to the VoIP terminal 100 and the client terminal 105 located at a short distance through the optical communication medium identified by the information checking unit 266. It is desirable to connect the transmitting optical communication channel.

Alternatively, the communication channel connection unit 260 transmits the branch payment request information to the gateway (or the platform operation server 120) on the communication network through the wired communication medium identified by the information checking unit 266. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 260 transmits the branch payment request information to a gateway (or platform operation server 120) on the communication network through a wireless communication medium identified by the information checking unit 266. It is desirable to connect the channels.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 260, the mode switching unit 268 receives the first communication medium in which the card transaction message is received in the operation mode of the VoIP composite terminal 100. Characterized by the communication channel connection unit 260 is characterized in that the switch to the communication mode for each communication medium including the second communication medium connected to the communication channel.

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 260, the operation mode of the VoIP composite terminal 100 by the mode switching unit 268 corresponding to the second communication medium When the mode is switched to the separate map mode, the interface output unit 272 receives the payment information for the payment for the payment through the second communication medium via the key input unit 220 (eg, card password, platform OTP, etc.). Receiving an input, characterized in that for outputting the payment interface to the communication medium for receiving the card information read from the customer card through the card reader unit 210.

Here, the Jiro payment interface for each communication medium is a user interface for receiving Jiro payment security information (eg, card password, platform OTP, etc.) for the Jiro payment processing through the second communication medium through the key input unit 220. It is preferably made, including a user interface for requesting to read the customer card through the card reader unit 210.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, and when the giro payment request information includes only card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the giro payment processing), the communication medium The Giro payment interface may omit a user interface for inputting Giro payment security information (for example, card password, platform OTP, etc.), and the present invention is not limited thereto.

After the payment interface for each communication medium is output by the interface output unit 272, the information input unit 274 transmits the payment payment security information (eg, card password, platform OTP) through the key input unit 220. And the like).

According to another exemplary embodiment of the present invention, when the user interface for receiving the giro payment security information (eg, card password, platform OTP, etc.) is omitted from the giro payment interface for each communication medium, the information input unit 274 is omitted. It is not necessary to process the input information corresponding to the user interface, and the present invention is not limited thereby.

Referring to FIG. 2, the VoIP composite terminal 100 includes at least one inputted giro payment information, giro payment security information, and card information to generate giro payment request information corresponding to the second communication medium. And an information transmitter 278 for transmitting the branch payment request information through a communication channel connected through the second communication medium when generating the branch payment request information. do.

When the card payment is input and processed through the information input unit 274, and the giro payment information and the giro payment security information are input and processed according to an implementation method, the information generator 276 performs the giro payment information and the giro payment. At least one security information and card information may be included to generate branch payment request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located at a short distance by the communication channel connection unit 260 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generator 276 may generate the branch payment request information transmitted through the short-range wireless communication medium.

Or, the communication channel via the short-range wireless communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generation unit 276 preferably generates the branch payment request information transmitted through the short range wireless communication medium of the direct communication method.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100, the VoIP composite terminal 100, and a client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generation unit 276 preferably generates branch payment request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via a short-range wired communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generation unit 276 preferably generates the branch payment request information transmitted through the short-range wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 260 is connected between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a client terminal 105 located in a short distance through an optical communication medium, the information is provided. The generation unit 276 may generate branch payment request information transmitted through the optical communication medium.

Alternatively, when the communication channel is connected through the wired communication medium between the VoIP composite terminal 100 and the gateway (or platform operation server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Preferably generates giro payment request information transmitted through the wired communication medium.

Alternatively, when the communication channel is connected through the wireless communication medium between the VoIP composite terminal 100 and the gateway (or platform operating server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Preferably generates giro payment request information transmitted through the wireless communication medium.

When the branch payment request information is generated by the information generating unit 276, the information transmitting unit 278 transmits the branch payment request information through a communication channel connected through the second communication medium. .

When the information transmitter 278 transmits the branch payment request information through a communication channel connected through the second communication medium, at least one key data is included in the branch processing information including the second communication medium information. In this case, the information transmitter 278 preferably transmits the giro payment request information by encrypting the key data.

Those skilled in the art will be familiar with the technical features of encrypting and transmitting the giro payment request information through at least one or more encryption keys, so a detailed description thereof will be omitted. do.

After the giro payment request information is transmitted by the information transmitting unit 278, and if the giro payment corresponding to the giro payment request information is processed, a message including the giro payment result information through the message receiving unit 262. It is preferable that the image is received and output through the screen output unit 215.

Referring to FIG. 2, the VoIP composite terminal 100 may include a screen output unit (100) for ticket reservation / reservation through selective payment (or financial transaction) processing according to communication medium identification according to an embodiment of the present invention. If a ticket reservation / advance menu is selected through the key input unit 220 among a plurality of menus output through 215, the communication medium confirming unit 270 confirmed in association with the memory unit 230. Confirming information identifying at least one or more second communication media information included in ticket processing information including first media information corresponding to a first communication media (or a first communication media to which the VoIP composite terminal 100 is currently connected). Outputs a mode selection interface for selecting a second communication medium to process the ticket reservation / reservation, from the second communication medium, and through the key input unit 220, a second communication target for ticket reservation / reservation. When choosing a medium, A mode switching unit 268 for switching the operation mode of the VoIP composite terminal 100 to a ticket mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information, and a ticket mode for each communication medium. When switching, the communication channel connection unit 260 for connecting the communication channel for processing the ticket reservation / reservation through the selected second communication medium, and the key input unit 220 when connecting the communication channel through the second communication medium Receives the ticket reservation / reservation information and ticket reservation / reservation security information for the ticket reservation / booking processing through the second communication medium through the card reader 210, the card information read from the customer card input The interface output unit 272 for outputting a ticket reservation / reservation interface for each communication medium and the ticket reservation / reservation information and ticket reservation / reservation security through the ticket reservation / reservation interface for each communication medium And an information input unit 274 for inputting information and card information.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 215. Outputs a plurality of menus, and if the ticket reservation / reservation menu of the plurality of menus is selected through the key input unit 220, the information confirmation unit 266 is confirmed by the communication medium confirmation unit 270 A first medium information corresponding to the first communication medium (or the first communication medium to which the VoIP composite terminal 100 is currently connected) and includes a first medium information in association with the memory unit 230; And identifying at least one ticket processing information including the media switching information, and identifying at least one second communication medium information included in the checked ticket processing information.

When the at least one second communication medium information is confirmed by the information checking unit 266, the mode switching unit 268 is connected to the screen output unit 215 and among the at least one or more second communication mediums identified. And outputting a mode selection interface for selecting a second communication medium to process the ticket reservation / reservation, and selecting the second communication medium to be reserved for a ticket / reservation through the key input unit 220. The operation mode of the terminal 100 may be switched to a ticket mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the ticket mode for each communication medium is a client terminal located near the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for ticket reservation / reservation request information generated by the VoIP complex terminal 100. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium is a client terminal which is located in close proximity to the VoIP composite terminal 100 through the short-range wireless communication medium of the ticket reservation / reservation request information generated by the VoIP composite terminal 100 through a direct communication method. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium may be a client terminal located near the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for ticket reservation / reservation request information generated by the VoIP complex terminal 100. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium may be a client terminal located at a short distance from the VoIP compound terminal 100 through a short distance wired communication medium of the ticket reservation / reservation request information generated by the VoIP compound terminal 100. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a ticket mode for processing the ticket reservation / reservation.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a gateway (or platform operation server 120) on the communication network through a wired communication medium to reserve the ticket. / Ticket mode for processing the reservation is preferably made.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a gateway (or platform operation server 120) on the communication network through a wireless communication medium to reserve the ticket. / Ticket mode for processing the reservation is preferably made.

When the operation mode of the VoIP composite terminal 100 is switched to the ticket mode for each communication medium by the mode switching unit 268, the communication channel connection unit 260 reserves a ticket / reserves through the selected second communication medium. It is characterized by connecting the communication channel for processing the ticket reservation / reservation by transmitting the request information.

Here, the communication channel connection unit 260 transmits the ticket reservation / reservation request information to a client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wireless communication medium of a packet switched method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 260 transmits the ticket reservation / reservation request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 260 transmits the ticket reservation / reservation request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 260 transmits the ticket reservation / reservation request information to a client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short distance wired communication medium of a direct communication method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 260 connects the optical communication channel for transmitting the ticket reservation / reservation request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through an optical communication medium. desirable.

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a gateway (or platform operation server 120) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a gateway (or platform operation server 120) on the communication network through a wireless communication medium.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 260, the interface output unit 272 is configured for ticket reservation / advancing through the second communication medium via the key input unit 220. It receives the ticket reservation / reservation information (for example, the amount of reservation) and ticket reservation / reservation security information (for example, card password, platform OTP, etc.), and the card information read from the customer card through the card reader unit 210 Characterized in that the ticket reservation / booking interface for each communication medium received.

Here, the ticket reservation / reservation interface for each communication medium is a ticket reservation / reservation information (for example, the reservation amount) and ticket reservation / reservation for ticket reservation / reservation processing through the second communication medium through the key input unit 220 It is preferable to include a user interface for receiving security information (for example, card password, platform OTP, etc.), it is preferable to include a user interface for requesting to read the customer card through the card reader 210. .

If the customer card is an IC card and the card reader unit 210 includes an IC reader unit, the ticket reservation / reservation interface for each communication medium may include a password (eg, a PIN) included in the ticket reservation / reservation security information. Preferably through the user interface to confirm the validity of the IC card through.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, and the ticket reservation / reservation request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the ticket reservation / reservation processing). The ticket reservation / reservation interface for each communication medium may include a part of a user interface for receiving ticket reservation / reservation information (eg, reservation amount) and ticket reservation / reservation security information (eg, card password, platform OTP, etc.). The present invention is not limited thereto.

After the ticket reservation / reservation interface for each communication medium is output by the interface output unit 272, the information input unit 274 transmits the ticket reservation / reservation information (e.g., the reservation price) through the key input unit 220. And ticket reservation / advance security information (eg, card password, platform OTP, etc.).

According to another exemplary embodiment of the present invention, the ticket reservation / reservation information (eg, reservation amount) and ticket reservation / reservation security information (eg, card password, platform OTP, etc.) are input to the ticket reservation / reservation interface for each communication medium. When a part of the user interface is omitted, the information input unit 274 may not process inputting information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 210 based on the ticket reservation / booking interface for each communication medium, the information input unit 274 is linked with the card reader unit 210 to read the card information. Characterized in that the input processing.

2, the VoIP composite terminal 100, the communication channel connection unit for ticket reservation / reservation through the selective payment (or financial transactions) processing according to the communication medium identification according to another embodiment of the present invention The message receiving unit 262 which receives the card transaction message from the first communication medium to which the VoIP composite terminal 100 is connected by 260 and the received card transaction message are read to include ticket reservation / advance information. The message confirming unit 264 for checking and the first communication medium (or the first communication medium receiving the card transaction message) confirmed by the communication medium checking unit 270 at the time of confirming the ticket reservation / advance information. Confirm the corresponding first communication medium information, and determine a second communication medium corresponding to the ticket reservation / reservation information from among the second communication medium information linked to the first communication medium information in association with the memory unit 230. A communication channel connection unit 260 connecting an information checking unit 266 for confirming the second communication medium and a communication channel for processing the ticket reservation / advance through the confirmed second communication medium when the second communication medium is checked; Mode connection unit 268 for switching the operation mode of the VoIP composite terminal 100 to a ticket mode for each communication medium including the first communication medium information and the second communication medium information when a communication channel is connected through a second communication medium. And a card reservation / reservation security information for ticket reservation / reservation processing through the second communication medium through the key input unit 220 and a card read from a customer card through the card reader unit 210. An interface output unit 272 for outputting a ticket reservation / reservation interface for each communication medium that receives information, and processing the ticket reservation / reservation security information and card information through the ticket reservation / reservation interface for each communication medium; It is characterized by comprising an information input section (274).

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 260, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 262 receives a message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 260. Accordingly, a predetermined card transaction message for ticket reservation / reservation through selective payment (or financial transaction) processing according to communication medium identification may be received.

When a predetermined card transaction message is received by the message receiving unit 262, the message checking unit 264 reads the received card transaction message and checks whether the ticket reservation / advance information is included.

According to the method of the present invention, the ticket reservation / reservation information included in the card transaction message, preferably comprises at least one or more reservation amount, PG identification information, ticket reservation / reservation page according to the intention of those skilled in the art Preferably, the URL information further includes at least one ticket reservation / reservation path code information.

If it is confirmed by the message confirming unit 264 that the ticket transaction / reservation information is included in the card transaction message, the information confirming unit 266 is linked with the communication medium confirming unit 270 for the card transaction message. Identify the first communication medium that has received the information, and verify at least one ticket processing information including communication medium switching information including first media information in association with the memory unit 230, and the confirmed ticket processing information. Among the one or more pieces of second communication medium information included in the information, the second communication medium information corresponding to the ticket reservation / reservation information is characterized in that it is confirmed.

According to another exemplary embodiment of the present disclosure, when the ticket reservation / advance information includes the ticket reservation / advance page URL, the information checking unit 266 may include information on communication media stored in the memory unit 230. Short-range wireless communication medium of the packet-switching method, short-range wireless communication medium of the direct communication method, short-range of the packet-switching method to communicate with the client terminal 105 connected to the ticket reservation / booking page near the VoIP composite terminal 100 It is preferable to automatically check any one of a wired communication medium, a short distance wired communication medium of a direct communication method, or an optical communication medium as the second communication medium, and the ticket reservation / advance page URL according to the intention of a person skilled in the art. Even if it is included even if the wireless communication medium or wired communication medium connected to the VoIP composite terminal 100 is automatically confirmed as the second communication medium It is the room.

According to another exemplary embodiment of the present invention, when the ticket reservation / reservation information includes the ticket reservation / reservation path code information, the information checking unit 266 may provide communication medium information stored in the memory unit 230. Among the above, the wireless communication medium or wired communication medium corresponding to the ticket reservation / booking route code information, the short-range wireless communication medium of the packet-switching method, the short-range wireless communication medium of the direct communication method, the short-range wired communication medium of the packet switching method, Alternatively, it is preferable to automatically identify one of the communication media of a short distance wired communication medium or an optical communication medium of the direct communication method as the second communication medium.

When the second communication medium to process the ticket reservation / reservation is confirmed by the information confirming unit 266, the communication channel connection unit 260 processes the ticket reservation / reservation through the confirmed second communication medium. It characterized in that for connecting the communication channel.

Here, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located at a short distance through a packet-switched short-range wireless communication medium identified by the information checking unit 266. It is desirable to connect a short range wireless communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short range wireless communication medium of the direct communication method identified by the information checking unit 266. It is desirable to connect a short range wireless communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short-range wired communication medium of a packet exchange method identified by the information checking unit 266. It is desirable to connect a short-range wired communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 260 may be connected to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method identified by the information checking unit 266. It is desirable to connect a short distance wired communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 260 requests the ticket reservation / reservation request to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 266. It is desirable to connect an optical communication channel for transmitting information.

Alternatively, the communication channel connection unit 260 transmits the ticket reservation / reservation request information to a gateway (or platform operation server 120) on the communication network through a wired communication medium confirmed by the information checking unit 266. It is desirable to connect wide area communication channels.

Alternatively, the communication channel connection unit 260 transmits the ticket reservation / reservation request information to a gateway (or platform operation server 120) on the communication network through a wireless communication medium identified by the information checking unit 266. It is desirable to connect wide area communication channels.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 260, the mode switching unit 268 receives the first communication medium in which the card transaction message is received in the operation mode of the VoIP composite terminal 100. Characterized by the communication channel connection unit 260 is characterized in that switching to the ticket mode for each communication medium including the second communication medium connected to the communication channel.

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 260, the operation mode of the VoIP composite terminal 100 by the mode switching unit 268 corresponding to the second communication medium When switching to the star ticket mode, the interface output unit 272 via the key input unit 220, ticket reservation / reservation security information (for example, card password, platform for ticket reservation / reservation processing through the second communication medium) OTP, etc.), and outputs a ticket reservation / booking interface for each communication medium that receives the card information read from the customer card through the card reader unit 210.

Here, the ticket reservation / reservation interface for each communication medium is ticket reservation / reservation security information (eg, card password, platform OTP, etc.) for ticket reservation / reservation processing through the second communication medium through the key input unit 220 It is preferable to include a user interface for receiving a), and preferably comprises a user interface for requesting to read the customer card through the card reader (210).

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, and the ticket reservation / reservation request information includes only the card information read from the customer card (for example, when using the VoIP composite terminal 100 as a card reader for the ticket reservation / reservation processing), The ticket reservation / reservation interface for each communication medium may omit a user interface for receiving ticket reservation / reservation security information (eg, card password, platform OTP, etc.), and thus the present invention is not limited thereto.

After the ticket reservation / advance interface for each communication medium is output by the interface output unit 272, the information input unit 274 transmits the ticket reservation / advance security information (eg, a card password) through the key input unit 220. , Platform OTP, etc.).

According to another embodiment of the present invention, when the user interface for inputting the ticket reservation / reservation security information (eg, card password, platform OTP, etc.) to the ticket reservation / reservation interface for each communication medium is omitted, the information input unit 274 ) May not process the input information corresponding to the omitted user interface, and the present invention is not limited thereto.

Referring to FIG. 2, the VoIP composite terminal 100 includes at least one of the input ticket reservation / advance information, ticket reservation / advance security information, and card information for ticket reservation corresponding to the second communication medium. Information generation unit 276 for generating reservation request information, and an information transmission unit for transmitting the ticket reservation / reservation request information through a communication channel connected through the second communication medium when the ticket reservation / reservation request information is generated. 278 is provided.

When the card information is input and processed through the information input unit 274, and the ticket reservation / advance information and the ticket reservation / advance security information are input and processed according to an implementation method, the information generation unit 276 performs the input ticket reservation. / Ticket information / ticket reservation / reservation security information and at least one card information, characterized in that for generating the ticket reservation / reservation request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located at a short distance by the communication channel connection unit 260 according to an embodiment of the present invention. When a communication channel is connected through a medium, the information generator 276 may generate ticket reservation / reservation request information transmitted through the short-range wireless communication medium.

Or, the communication channel via the short-range wireless communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 may generate ticket reservation / reservation request information transmitted through the short range wireless communication medium of the direct communication method.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100, the VoIP composite terminal 100, and a client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generator 276 preferably generates ticket reservation / reservation request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via a short-range wired communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 may generate ticket reservation / reservation request information transmitted through the short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 260 is connected between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a client terminal 105 located in a short distance through an optical communication medium, the information is provided. The generation unit 276 preferably generates ticket reservation / reservation request information transmitted through the optical communication medium.

Alternatively, when the communication channel is connected through the wired communication medium between the VoIP composite terminal 100 and the gateway (or platform operation server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Generates the ticket reservation / reservation request information transmitted through the wired communication medium.

Alternatively, when the communication channel is connected through the wireless communication medium between the VoIP composite terminal 100 and the gateway (or platform operating server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Generates ticket reservation / reservation request information transmitted through the wireless communication medium.

When the ticket reservation / reservation request information is generated by the information generation unit 276, the information transmission unit 278 transmits the ticket reservation / reservation request information through a communication channel connected through the second communication medium. It is characterized by.

The information transmitter 278 transmits the ticket reservation / reservation request information through a communication channel connected through the second communication medium, and includes at least one key data in ticket processing information including the second communication medium information. Is included, the information transmission unit 278 preferably transmits the ticket reservation / reservation request information by encrypting the key data.

Those skilled in the art will be familiar with the technical features of encrypting and transmitting the ticket reservation / reservation request information using at least one encryption key, and thus, a detailed description thereof will be omitted. Let's do it.

After the ticket reservation / reservation request information is transmitted by the information transmission unit 278, and the ticket reservation / reservation corresponding to the ticket reservation / reservation request information is processed, the ticket reservation is performed through the message receiving unit 262. It is preferable that a message including the reservation result information is received and output through the screen output unit 215.

2, the VoIP composite terminal 100, the screen output unit 215 for charging the electronic money through the selective payment (or financial transactions) processing according to the communication medium identification according to an embodiment of the present invention When the electronic money charging menu is selected through the key input unit 220 from among a plurality of menus output through the first and second menus, the first device identified by the communication medium checking unit 270 in association with the memory unit 230 is selected. An information checking unit for identifying at least one second communication medium information included in charging processing information including first medium information corresponding to a communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected); 266) and a mode selection interface for selecting a second communication medium to process the electronic money charging among the second communication media, and selecting the second communication medium to be charged with electronic money through the key input unit 220, Prize A mode switching unit 268 for switching the operation mode of the VoIP composite terminal 100 to a charging mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information, and for switching to a charging mode for each communication medium; And a communication channel connecting unit 260 connecting a communication channel for processing the electronic money charging through the selected second communication medium, and a key input unit 220 when connecting a communication channel through a second communication medium. Receiving electronic money charging information and electronic money charging security information for the electronic money charging processing through the second communication medium, the electronic communication for each communication medium for receiving the card information read from the customer card through the card reader 210 The electronic money charging information and the electronic money charging security information through an interface output unit 272 for outputting a money charging interface and the electronic money charging interface for each communication medium; And an information input unit 274 for input processing of card information.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 215. Outputs a plurality of menus, and when the electronic money charging menu is selected from the plurality of menus through the key input unit 220, the information checking unit 266 is checked by the communication medium checking unit 270. Confirm first media information corresponding to a first communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected), and a communication medium including first media information in association with the memory unit 230. And at least one charging processing information including the switching information and at least one second communication medium information included in the checked charging processing information.

When the at least one second communication medium information is confirmed by the information checking unit 266, the mode switching unit 268 is connected to the screen output unit 215 and the at least one or more second communication mediums identified. And a mode selection interface for selecting a second communication medium to process the electronic money charging, and when selecting the second communication medium to be charged with the electronic money through the key input unit 220, the VoIP composite terminal ( The operation mode 100 may be switched to a charging mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the charging mode for each communication medium may include a client terminal located near the VoIP complex terminal 100 through a packet-switched short-range wireless communication medium for electronic money charging request information generated by the VoIP complex terminal 100 ( And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, the charging mode for each communication medium may include a client terminal located at a short distance from the VoIP composite terminal 100 through the short-range wireless communication medium of the electronic money charging request information generated by the VoIP composite terminal 100 ( And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, the charging mode for each communication medium may include a client terminal located at a short distance from the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for electronic money charging request information generated by the VoIP complex terminal 100 ( And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, the charging mode for each communication medium may include a client terminal located at a short distance from the VoIP composite terminal 100 through the short-range wired communication medium of the electronic money charging request information generated by the VoIP composite terminal 100 (direct communication method). And a charging mode for processing the electronic money charging by transmitting to 105).

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a charging mode for processing the electronic money charging.

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to a gateway (or platform operation server 120) on the communication network through a wired communication medium to charge the electronic money. It is preferable to include a charging mode for processing.

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to a gateway (or platform operation server 120) on the communication network through a wireless communication medium to charge the electronic money. It is preferable to include a charging mode for processing.

When the operation mode of the VoIP composite terminal 100 is switched to the charging mode for each communication medium by the mode switching unit 268, the communication channel connection unit 260 requests to charge electronic money through the selected second communication medium. It is characterized by connecting a communication channel for processing the electronic money charging by transmitting information.

Here, the communication channel connection unit 260 is a short-range wireless communication for transmitting the electronic money charging request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 via a packet-switched short-range wireless communication medium. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 260 transmits the electronic money charging request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 260 transmits the electronic money charging request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 260 is a short-range wired communication for transmitting the electronic money charging request information to the client terminal 105 located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium of the direct communication method. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 260 may connect an optical communication channel for transmitting the electronic money charging request information to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. Do.

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the electronic money charging request information to a gateway (or platform operating server 120) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 260 may connect a wide area communication channel for transmitting the electronic money charging request information to a gateway (or platform operating server 120) on the communication network through a wireless communication medium.

When the communication channel is connected through the second communication medium by the communication channel connection unit 260, the interface output unit 272 uses the key input unit 220 to transfer the electronic money through the second communication medium. Communication medium that receives money charging information (eg, amount of charge) and electronic money charging security information (eg, card password, platform OTP, etc.), and reads card information read from a customer card through the card reader 210. Characterized by outputting the electronic money charging interface.

Here, the electronic money charging interface for each communication medium may include electronic money charging information (for example, charge amount) and electronic money charging security information (for example, charge amount) for the electronic money charging process through the key input unit 220 through the second communication medium. , Card password, platform OTP, etc.) is preferably included, and preferably includes a user interface for requesting reading of the customer card through the card reader 210.

If the customer card is an IC card and the card reader unit 210 includes an IC reader unit, the electronic money charging interface for each communication medium may be entered through a password (eg, a PIN) included in the electronic money charging security information. It is preferable to further comprise a user interface for confirming the validity of the IC card.

According to another exemplary embodiment of the present invention, the communication terminal connection unit 260 and the client terminal 105 located in close proximity to the VoIP composite terminal 100 and a short range wireless communication channel, or a short distance wired communication channel, or optical communication When the channel is connected and the electronic money charging request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the electronic money charging process), The electronic money charging interface for each communication medium may omit some of the user interface for receiving electronic money charging information (for example, the amount of charge) and electronic money charging security information (for example, card password, platform OTP, etc.). The invention is not limited.

After the electronic money charging interface for each communication medium is output by the interface output unit 272, the information input unit 274 transmits the electronic money charging information (for example, a charged amount) and the electronic value through the key input unit 220. Characterized in that the input charging security information (for example, card password, platform OTP).

According to another embodiment of the present invention of the user interface for receiving the electronic money charging information (for example, the amount of charge) and electronic money charging security information (for example, card password, platform OTP, etc.) to the electronic money charging interface for each communication medium If a part is omitted, the information input unit 274 may not process the information corresponding to the omitted user interface, and thus the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 210 based on the electronic money charging interface for each communication medium, the information input unit 274 connects the card information with the card reader unit 210. Characterized in that the input processing.

2, the VoIP composite terminal 100 for charging the electronic money through the selective payment (or financial transactions) processing according to the communication medium identification according to another embodiment of the present invention, the communication channel connection unit ( The message receiving unit 262 for receiving a card transaction message from the first communication medium to which the VoIP composite terminal 100 is connected by 260 and the received card transaction message are read to determine whether the electronic money charging information is included. A message corresponding to a first communication medium (or a first communication medium receiving the card transaction message) confirmed by the communication medium checking unit 270 when the message checking unit 264 and the electronic money charging information are checked. 1 confirming the communication medium information, the second communication medium information corresponding to the electronic money charging information of the second communication medium information associated with the first communication medium information in association with the memory unit 230; A communication channel connection unit 260 for connecting the information confirmation unit 266 for checking the communication channel for processing the electronic money charging through the identified second communication medium when the second communication medium is checked; A mode switching unit 268 for switching the operation mode of the VoIP composite terminal 100 to a charging mode for each communication medium including the first communication medium information and the second communication medium information when the communication channel is connected through a communication medium; Receiving electronic money charging security information for electronic money charging processing through the second communication medium through the key input unit 220, and receiving card information read from a customer card through the card reader 210; An interface output unit 272 for outputting an electronic money charging interface for each communication medium, and a process for inputting and processing the electronic money charging security information and card information through the electronic money charging interface for each communication medium; By having an input unit (274) characterized by comprising.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 260, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 262 receives a message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 260. Accordingly, a predetermined card transaction message for charging the electronic money through selective payment (or financial transaction) processing according to the communication medium identification may be received.

When a predetermined card transaction message is received by the message receiving unit 262, the message confirming unit 264 reads the received card transaction message and checks whether the electronic money charging information is included.

According to an embodiment of the present invention, the electronic money charging information included in the card transaction message preferably comprises at least one charge amount, and according to the intention of those skilled in the art, PG identification information and electronic money charging page URL information. And electronic money charging path code information.

When the message confirming unit 264 confirms that the card transaction message includes the electronic money charging information, the information confirming unit 266 associates the card transaction message with the communication medium confirming unit 270. Confirm the received first communication medium, identify at least one charge processing information including communication medium switching information including first media information in association with the memory unit 230, Among the at least one second communication medium information included, the second communication medium information corresponding to the electronic money charging information is confirmed.

According to another exemplary embodiment of the present invention, when the electronic money charging information includes the URL of the electronic money charging page, the information checking unit 266 may include the VoIP information of the communication medium information stored in the memory unit 230. Near field communication of the packet exchange method, short-range wireless communication medium of the packet-switching method, direct communication method of the near field communication, packet-switching near field communication between the terminal 100 and the client terminal 105 connected to the charging page for electronic money It is preferable to automatically identify a communication medium of any one of a medium, a short distance wired communication medium of a direct communication method, or an optical communication medium as the second communication medium. In this case, the wireless communication medium or the wired communication medium to which the VoIP composite terminal 100 is connected may be automatically confirmed as the second communication medium. Do.

According to another exemplary embodiment of the present disclosure, when the electronic money charging information includes the electronic money charging path code information, the information checking unit 266 may include information on communication media stored in the memory unit 230. A wireless communication medium or wired communication medium corresponding to the electronic money charging path code information, a near field wireless communication medium of a packet switched method, a near field wireless communication medium of a direct communication method, a short distance wired communication medium of a packet switched method, or direct communication It is preferable to automatically identify the communication medium of any one of a short-range wired communication medium or an optical communication medium as the second communication medium.

When the second communication medium to process the electronic money charging is confirmed by the information confirming unit 266, the communication channel connection unit 260 communicates to process the electronic money charging through the identified second communication medium. It is characterized by connecting the channel.

Here, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a packet-switched short-range wireless communication medium identified by the information checking unit 266. It is preferable to connect a short-range wireless communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short range wireless communication medium of the direct communication method identified by the information checking unit 266. It is preferable to connect a short-range wireless communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 260 is connected to the VoIP terminal 100 and the client terminal 105 located in a short distance through a short-range wired communication medium of a packet exchange method identified by the information checking unit 266. It is preferable to connect a short-range wired communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 260 may be connected to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method identified by the information checking unit 266. It is preferable to connect a short-range wired communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 260 requests the electronic money charging to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 266. It is desirable to connect an optical communication channel for transmitting information.

Alternatively, the communication channel connection unit 260 transmits the electronic money charging request information to a gateway (or platform operation server 120) on the communication network through a wired communication medium identified by the information checking unit 266. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 260 transmits the electronic money charging request information to the gateway (or the platform operation server 120) on the communication network through the wireless communication medium identified by the information checking unit 266. It is desirable to connect the communication channels.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 260, the mode switching unit 268 receives the first communication medium in which the card transaction message is received in the operation mode of the VoIP composite terminal 100. And a charging mode for each communication medium including information and information on a second communication medium connected with the communication channel by the communication channel connection unit 260.

Here, the charging mode for each communication medium is a client terminal located near the VoIP composite terminal 100 via the packet-switched short-range wireless communication medium for the electronic money charging request information generated by the VoIP composite terminal 100. And a charging mode for processing the electronic money charging by transmitting to 105.

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 260, the operation mode of the VoIP composite terminal 100 by the mode switching unit 268 corresponding to the second communication medium When the charging mode is switched, the interface output unit 272 uses the key input unit 220 to charge electronic money charging security information for the electronic money charging process through the second communication medium (eg, card password, platform OTP, etc.). ), And outputs the electronic money charging interface for each communication medium that receives the card information read from the customer card through the card reader unit 210.

Here, the electronic money charging interface for each communication medium receives electronic money charging security information (eg, card password, platform OTP, etc.) for the electronic money charging process through the key input unit 220 through the second communication medium. It is preferable to include a user interface, and preferably comprises a user interface for requesting to read the customer card through the card reader unit 210.

According to another exemplary embodiment of the present invention, the client terminal 105 and the short range wireless communication channel, or the short distance wired communication channel, or the optical communication channel, which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 260, are provided. Is connected, and the electronic money charging request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the electronic money charging process). The electronic money charging interface for each medium may omit a user interface for receiving electronic money charging security information (eg, card password, platform OTP, etc.), and the present invention is not limited thereto.

After the electronic money charging interface for each communication medium is output by the interface output unit 272, the information input unit 274 uses the key input unit 220 to secure the electronic money charging security information (eg, card password, platform). OTP, etc.).

According to another embodiment of the present invention, when the user interface for receiving the electronic money charging security information (eg, card password, platform OTP, etc.) is omitted from the electronic money charging interface for each communication medium, the information input unit 274 The information corresponding to the omitted user interface may not be inputted, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 210 based on the electronic money charging interface for each communication medium, the information input unit 274 connects the card information to the card reader unit 210. Characterized in that the input processing.

Referring to FIG. 2, the VoIP composite terminal 100 includes at least one of the electronic money charging information, the electronic money charging security information, and the card information, and the electronic money charging request corresponding to the second communication medium. An information generator 276 for generating information and an information transmitter 278 for transmitting the electronic money charging request information through a communication channel connected through the second communication medium when the electronic money charging request information is generated. Characterized in that made.

When the card information is input and processed through the information input unit 274, and the electronic money charging information and the electronic money charging security information are input and processed according to an implementation method, the information generation unit 276 performs the input electronic money charging information. And at least one electronic money charging security information and card information to generate electronic money charging request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located at a short distance by the communication channel connection unit 260 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generation unit 276 may generate the electronic money charging request information transmitted through the short-range wireless communication medium of the packet exchange method.

Or, the communication channel via the short-range wireless communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 preferably generates electronic money charging request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100, the VoIP composite terminal 100, and a client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generation unit 276 preferably generates electronic money charging request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via a short-range wired communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 276 preferably generates electronic money charging request information transmitted through the short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 260 is connected between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a client terminal 105 located in a short distance through an optical communication medium, the information is provided. The generation unit 276 preferably generates electronic money charging request information transmitted through the optical communication medium.

Alternatively, when the communication channel is connected through the wired communication medium between the VoIP composite terminal 100 and the gateway (or platform operation server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Generates the electronic money charging request information transmitted through the wired communication medium.

Alternatively, when the communication channel is connected through the wireless communication medium between the VoIP composite terminal 100 and the gateway (or platform operating server 120) on the communication network by the communication channel connection unit 260, the information generating unit 276 ) Preferably generates electronic money charging request information transmitted through the wireless communication medium.

When the electronic money charging request information is generated by the information generator 276, the information transmitter 278 transmits the electronic money charging request information through a communication channel connected through the second communication medium. It is done.

When the information transmitter 278 transmits the electronic money charging request information through a communication channel connected through the second communication medium, at least one key data is included in the charging processing information including the second communication medium information. When included, the information transmitter 278 preferably transmits the electronic money charging request information through the key data.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of encrypting and transmitting the electronic money charging request information through at least one or more encryption keys, so a detailed description thereof is omitted for convenience. Let's do it.

After the electronic money charging request information is transmitted by the information transmitter 278, and the electronic money charging corresponding to the electronic money charging request information is processed, the electronic money charging result information through the message receiving unit 262. Preferably, a message including a received message is output through the screen output unit 215.

3 is a diagram illustrating an operation of the VoIP composite terminal 100 searching for a communication medium for selective payment processing according to a communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or a near field communication medium including at least one packet switched local area wireless communication medium, a direct communication local area wireless communication medium, a packet switched local area wired communication medium, a direct communication local area wired communication medium, and an optical communication medium. Of the above, the VoIP composite terminal 100 for the process of searching for at least one or more communication media for processing the selective payment according to the communication medium identification, if one of ordinary skill in the art to which the present invention belongs, Communication medium for selective payment processing according to the communication medium identification by referring to and / or modifying the Figure 3 Would have to be inferred how the various embodiments of the process of search, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 3.

Hereinafter, in FIG. 3, the VoIP composite terminal 100 shown in FIG. 2 is referred to as a " terminal " for convenience, and a server or a device on a communication network included in a communication medium search target through the wide area communication media is referred to as a " server " Or a device), and a device or server included in a communication medium search target through the near field communication medium is referred to as a "device (or server)" for convenience.

Referring to FIG. 3, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In operation 300, the terminal determines whether the voice call mode is idle, or the data communication mode is idle.

If the operation mode of the terminal is determined to be in the voice call mode idle state or the data communication mode idle state (305), the terminal is a wide area communication including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect the communication channel for the payment processing with at least one server (or device) located on the communication network according to the channel discovery protocol corresponding to the medium, to determine whether the server (or device) on the communication network is discovered (310) ).

If a server (or device) on the communication network is discovered (315), the terminal identifies communication medium information corresponding to the server (or device) discovered on the communication network through the channel discovery protocol (320), and the communication The media information is stored in the memory unit 230 (or the security application module 250) in association with payment information for each communication medium (325), and the process is performed periodically for all the wide area communication media that can be connected to the terminal. Repeat (330).

The payment processing information for each communication medium may include at least one communication medium switching information for the payment processing and at least one or more key data for the payment security processing when at least one payment processing using the terminal. It is preferable.

In the payment processing using the terminal, when payment information for the payment processing is received through at least one or more communication media, the communication medium switching information is the first communication medium information for receiving the payment information, and the payment It is preferable that the second communication medium information for transmitting the payment request information including the information and the card information read through the card reader unit 210 is preferably made.

Alternatively, when the payment information for the payment processing is input through the key input unit 220, the communication medium switching information may include the payment information input through the key input unit 220 and the card reader 210. And a second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium connected to the terminal before the payment processing is a communication medium such as the second communication medium. It is possible to include or other communication media.

In addition, the key data is the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation (Nonrepudiation) of the payment request information between the terminal and the server (or device) receiving the payment request information It is preferable to include at least one encryption key (or decryption key) to secure.

According to an embodiment of the present invention, the payment processing information for each communication medium is stored in the memory unit 230 (or the security application module 250) in association with a plurality of communication medium information that can be connected through the terminal and in an inactive state. In this case, it is preferable that the terminal activates payment processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (330), the terminal may be a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication method, a short-range wired communication medium of a packet switching method, and direct communication among a plurality of communication media. A local area wired communication medium and at least one device (or server) located at a short distance according to a channel discovery protocol corresponding to a local area communication medium including at least one optical communication medium and a communication channel connection for payment processing. By attempting, it is checked whether a device (or server) located in a short distance is found (335).

If the device (or server) located in the near field is found (340), the terminal checks the communication medium information corresponding to the device (or server) found in the near field through the channel search protocol (345), The communication medium information and the payment processing information for each communication medium are linked to the memory unit 230 (or the security application module 250) and stored (350), and the process is performed on the short-range communication medium connectable to the terminal. Repeat periodically (355).

In the payment processing using the terminal, when payment information for the payment processing is received through at least one or more communication media, the communication medium switching information may include first communication medium information for receiving the payment information and the payment. It is preferable that the second communication medium information for transmitting the payment request information including the information and the card information read through the card reader unit 210 is preferably made.

Thereafter, the terminal transmits the found at least one communication medium information to the platform operation server 120 on the communication network and stores the information on the platform operation D / B 2345 (360).

4 is a diagram illustrating an operation process of the VoIP composite terminal 100 for searching for a communication medium for selective financial transaction processing according to a communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 4 shows a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or short-range communication including at least one of a packet-switched near field communication medium, a direct communication near field communication medium, a packet switched near field wire communication medium, a direct communication near field wire communication medium, and an optical communication medium. In the medium, the VoIP complex terminal 100 is a process for searching for at least one or more communication media for processing a selective financial transaction in accordance with the communication medium identification, if one of ordinary skill in the art Communication medium for selective financial transaction processing according to the communication medium identification by referring to and / or modifying the present invention Would have to be inferred how the various embodiments of the process of search, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 4.

Hereinafter, in FIG. 4, the VoIP composite terminal 100 shown in FIG. 2 is referred to as a " terminal " for convenience, and a server or a device on a communication network included in a communication medium search target through the wide area communication media is referred to as a " server " Or a device), and a device or server included in a communication medium search target through the near field communication medium is referred to as a "device (or server)" for convenience.

Referring to FIG. 4, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In the voice call mode corresponding to the function or the data communication function, or in the data communication mode, the terminal determines whether the voice call mode is idle or the data communication mode is idle (400).

If the operation mode of the terminal is determined to be in the voice call mode idle state or the data communication mode idle state (405), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect the communication channel for the financial transaction processing with at least one server (or device) located on the communication network according to the channel discovery protocol corresponding to the check whether the server (or device) on the communication network is discovered (410) .

If a server (or device) on the communication network is discovered (415), the terminal checks the communication medium information corresponding to the server (or device) discovered on the communication network through the channel discovery protocol (420), and the communication The media information and banking processing information for each communication medium are linked to each other and stored in the memory unit 230 (or the security application module 250) (425), and the process is performed periodically for all the wide area communication media that can be connected to the terminal. Repeat (430).

The banking processing information for each communication medium may include at least one communication medium switching information for the financial transaction processing and at least one or more key data for the financial transaction security processing when processing at least one financial transaction using the terminal. It is preferable.

In the financial transaction processing using the terminal, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include first communication medium information for receiving the financial transaction information; Preferably, the financial transaction information includes second communication medium information for transmitting the financial transaction request information including the financial transaction information and the card information read through the card reader 210.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 220, the communication medium switching information may be the financial transaction information input through the key input unit 220 and the card reader unit 210. And second communication medium information for transmitting the financial transaction request information including card information read through the card information, wherein the first communication medium connected to the terminal before the financial transaction processing is connected to the second communication medium. It is possible to include the same communication medium or different communication media.

In addition, the key data is an encryption key (or decryption key) for securing confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the terminal and the server (or device) receiving the financial transaction request information. It is preferable to include at least one.

According to an embodiment of the present invention, banking processing information for each communication medium is stored in the memory unit 230 (or the security application module 250) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates banking processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (430), the terminal may be a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication method, a short-range wired communication medium of a packet switching method, and direct communication among a plurality of communication media. A local area wired communication medium and at least one device (or server) located in a local area according to a channel search protocol corresponding to a local area communication medium including at least one optical communication medium and a communication channel connection for processing the financial transaction. Attempts are made to see if a device (or server) located at close range is discovered (435).

If the device (or server) located in the short distance is found (440), the terminal checks the communication medium information corresponding to the device (or server) found in the short distance through the channel discovery protocol (445), The communication medium information and the banking processing information for each communication medium are linked to each other and stored in the memory unit 230 (or the security application module 250) (450), and the process is performed for the short-range communication medium connectable to the terminal. Repeat periodically (455).

The key data may further include an encryption key (or decryption key) for securing confidentiality, authentication, integrity, and nonrepudiation of the financial transaction request information between the terminal and a server (or device) that receives the financial transaction request information. It is preferable to comprise at least one).

Thereafter, the terminal transmits the found at least one communication medium information to the platform operation server 120 on the communication network and stores the information on the platform operation D / B 2345 (460).

5 is a diagram illustrating an operation process of the VoIP composite terminal 100 for searching for a communication medium for the payment process of giro through the selective payment (or financial transaction) according to the communication medium identification according to the method of the present invention.

In more detail, FIG. 5 is a broadband communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or short-range communication including at least one of a packet-switched short-range wireless communication medium, a direct communication short-range wireless communication medium, a packet-switched short distance wireless communication medium, a direct communication short-range wireless communication medium, and an optical communication medium. The present invention relates to a process of searching for at least one communication medium for processing a branch payment through selective payment (or financial transaction) according to communication medium identification in the VoIP composite terminal 100 in the medium. Those skilled in the art may refer to and / or modify this drawing to select according to the communication medium identification. Various implementation methods for the process of searching for a communication medium for payment of giro payment through payment (or financial transaction) may be inferred, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the VoIP composite terminal 100 shown in FIG. 2 is referred to as a " terminal " Or a device), and a device or server included in a communication medium search target through the near field communication medium is referred to as a "device (or server)" for convenience.

Referring to FIG. 5, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In the voice call mode corresponding to the function or the data communication function, or the data communication mode, the terminal determines whether the voice call mode is idle or the data communication mode is idle (500).

If the operation mode of the terminal is determined to be in the voice call mode idle state or the data communication mode idle state (505), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect the communication channel for the branch payment processing with at least one server (or device) located on the communication network according to the channel discovery protocol corresponding to the check whether the server (or device) on the communication network is discovered (510) .

If a server (or device) on the communication network is discovered (515), the terminal checks the communication medium information corresponding to the server (or device) discovered on the communication network through the channel discovery protocol (520), and the communication The media information is stored in the memory unit 230 (or the security application module 250) in association with media processing information for each communication medium (525), and the process is performed periodically for all the wide area communication media connectable to the terminal. Repeat (530).

The Jiro processing information for each communication medium may include at least one or more key data for the Jiro payment security processing and the communication medium switching information for the Jiro payment processing when at least one branch payment processing using the terminal. It is preferable.

In the case of the giropayment processing using the terminal, when the giropayment information for the giropayment processing is received through at least one or more communication media, the communication medium switching information includes first communication medium information for receiving the giropayment information; Preferably, the information includes second communication medium information for transmitting the branch payment request information including the branch payment information and the card information read through the card reader 210.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 220, the communication medium switching information is inputted through the key input unit 220 and the card reader unit 210. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the first communication medium connected to the terminal before the Jiro payment processing is connected to the second communication medium; It is possible to include the same communication medium or different communication media.

In addition, the key data is an encryption key (or decryption key) to secure confidentiality, authentication, integrity and non-repudiation of the branch payment request information between the terminal and the server (or device) receiving the branch payment request information. It is preferable to include at least one.

According to an embodiment of the present invention, the processing information for each communication medium is stored in the memory unit 230 (or the security application module 250) in association with a plurality of communication medium information that can be connected through the terminal and in an inactive state. In this case, it is preferable that the terminal activates processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (530), the terminal may be a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication method, a short-range wired communication medium of a packet switching method, and direct communication among a plurality of communication media. A local area wired communication medium and at least one device (or server) located in the local area according to a channel search protocol corresponding to a local area communication medium including at least one optical communication medium, and a communication channel connection for the branch payment processing. By attempting, it is checked whether a device (or server) located at a short distance is found (535).

If the device (or server) located in the near field is found (540), the terminal checks the communication medium information corresponding to the device (or server) found in the near field through the channel search protocol (545), The communication medium information is linked to processing information for each communication medium and stored in the memory unit 230 (or security application module 250) (550), and the process is performed in a short-range communication medium connectable to the terminal. Repeat periodically for 555.

Thereafter, the terminal transmits the found at least one communication medium information to the platform operation server 120 on the communication network and stores the information on the platform operation D / B 2345 (560).

FIG. 6 is a diagram illustrating an operation process of the VoIP composite terminal 100 for searching for a communication medium for ticket reservation / advance processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention. .

In more detail, FIG. 6 illustrates a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or a near field communication medium including at least one packet switched local area wireless communication medium, a direct communication local area wireless communication medium, a packet switched local area wired communication medium, a direct communication local area wired communication medium, and an optical communication medium. Of the above, the VoIP composite terminal 100 is a process for searching for at least one communication medium for processing a ticket reservation / reservation through the selective payment (or financial transactions) according to the communication medium identification, the present invention belongs to Those of ordinary skill in the art may refer to and / or modify the present invention in accordance with the identification of the communication medium. Various implementation methods for the process of searching for a communication medium for ticket reservation / booking processing through selective payment (or financial transaction) may be inferred, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the VoIP composite terminal 100 shown in FIG. 2 is referred to as a " terminal " for convenience, and a server or device on a communication network included in a communication medium search target through the wide area communication media is referred to as a " server " Or a device), and a device or server included in a communication medium search target through the near field communication medium is referred to as a "device (or server)" for convenience.

Referring to FIG. 6, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In the voice call mode corresponding to the function or the data communication function or the data communication mode, the terminal determines whether the voice call mode is idle or the data communication mode is idle (600).

If the operation mode of the terminal is determined to be in the voice call mode idle state, or the data communication mode idle state (605), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect the communication channel for the ticket reservation / advance processing with at least one server (or device) located on the communication network according to the channel discovery protocol corresponding to to determine whether the server (or device) on the communication network is discovered ( 610).

If the server (or device) on the communication network is found (615), the terminal checks the communication medium information corresponding to the server (or device) found on the communication network through the channel discovery protocol (620), the communication The media information is stored in the memory unit 230 (or the security application module 250) in association with the ticket processing information for each communication medium (625), and the process is performed periodically for all the wide area communication media that can be connected to the terminal. Repeat (630).

The ticket processing information for each communication medium may include at least one key data for the ticket reservation / reservation security and the communication medium switching information for the ticket reservation / reservation and at least one ticket reservation / reservation using the terminal. It is preferable to comprise as mentioned above.

When the ticket reservation / reservation using the terminal, when receiving the ticket reservation / reservation information for the ticket reservation / reservation through at least one or more communication media, the communication medium switching information is the first to receive the ticket reservation / reservation information; And a second communication medium information for transmitting the ticket reservation / advance request information including the communication medium information, the ticket reservation / advance information and the card information read through the card reader 210. .

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 220, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 220 and the It is preferable that the second communication medium information for transmitting the ticket reservation / reservation request information including the card information read through the card reader unit 210, the first communication is connected to the terminal before the ticket reservation / reservation The medium may be a communication medium such as the second communication medium, or may include another communication medium.

The key data may further include an encryption key for securing confidentiality, authentication, integrity, and nonrepudiation of the ticket reservation / reservation request information between the terminal and the server (or device) that receives the ticket reservation / reservation request information. Or at least one decryption key).

According to an exemplary embodiment of the present invention, ticket processing information for each communication medium is stored in the memory unit 230 (or the security application module 250) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. In this case, it is preferable that the terminal activates ticket processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (630), the terminal is a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-range wired communication medium of the packet communication method, a direct communication of a plurality of communication media At least one device (or server) located at a short distance according to a channel search protocol corresponding to a near field communication medium including at least one local area wired communication medium and at least one optical communication medium, and a communication channel for ticket reservation / reservation processing. By attempting to connect, it is checked if a device (or server) located in the near field is discovered (635).

If the device (or server) located in the near field is found (640), the terminal checks the communication medium information corresponding to the device (or server) found in the near field through the channel search protocol (645), The communication medium information is linked to the ticket processing information for each communication medium and stored in the memory unit 230 (or the security application module 250) (650), and the process is for a short range communication medium connectable to the terminal. Repeat periodically (655).

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 220, the communication medium switching information and the ticket reservation / reservation information input through the key input unit 220; And a second communication medium information for transmitting the ticket reservation / reservation request information including card information read through the card reader unit 210, wherein the terminal is connected to the first ticket reservation / reservation before the first connection. The communication medium may be a communication medium such as the second communication medium, or may include another communication medium.

Thereafter, the terminal transmits the found at least one communication medium information to the platform operation server 120 on the communication network and stores the information on the platform operation D / B 2345 (660).

7 is a diagram illustrating an operation process of the VoIP composite terminal 100 searching for a communication medium for electronic money charging processing through selective payment (or financial transaction) according to the communication medium identification according to the embodiment of the present invention.

In more detail, FIG. 7 illustrates a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or a near field communication medium including at least one packet switched local area wireless communication medium, a direct communication local area wireless communication medium, a packet switched local area wired communication medium, a direct communication local area wired communication medium, and an optical communication medium. Of the above, the VoIP composite terminal 100 is a process for searching for at least one communication medium for processing the electronic money charging through the selective payment (or financial transactions) according to the communication medium identification, the present invention Those skilled in the art may refer to and / or modify this drawing 7 according to the communication medium identification. Various implementation methods for the process of searching for a communication medium for electronic money charging processing through selective payment (or financial transaction) may be inferred, but the present invention includes all the implementation methods inferred above. The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the VoIP composite terminal 100 shown in FIG. 2 is referred to as a “terminal” for convenience, and a server or a device on a communication network included in a communication medium search target through the wide area communication medium is referred to as a “server” for convenience. (Or a device), and a device or a server included in a communication medium search target through the short range communication medium is referred to as a "device (or server)" for convenience.

Referring to FIG. 7, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In the voice call mode corresponding to the function or the data communication function, or the data communication mode, the terminal determines whether the voice call mode is idle or the data communication mode is idle (700).

If the operation mode of the terminal is determined to be in the voice call mode idle state or the data communication mode idle state (705), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect a communication channel for the electronic money charging process with at least one server (or device) located on the communication network according to the channel discovery protocol corresponding to the terminal to determine whether the server (or device) on the communication network is discovered (710). ).

If a server (or device) on the communication network is discovered (715), the terminal checks the communication medium information corresponding to the server (or device) discovered on the communication network through the channel discovery protocol (720), and the communication The media information is stored in the memory unit 230 (or the security application module 250) in association with charging information for each communication medium (725), and the process is performed periodically for all the wide area communication media that can be connected to the terminal. Repeat (730).

The charging processing information for each communication medium includes at least one or more key data for the electronic medium charging security and the communication medium switching information for charging the electronic money when charging at least one electronic money using the terminal; It is preferable to make.

When the electronic money is charged using the terminal, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information may include the first communication medium information for receiving the electronic money charging information. And second communication medium information for transmitting the electronic money charging request information including the electronic money charging information and the card information read through the card reader 210.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 220, the communication medium switching information is inputted through the key input unit 220 and the electronic money charging information and the card reader unit. It is preferable that the second communication medium information for transmitting the electronic money charging request information including the card information read through the 210, the first communication medium connected to the terminal before charging the electronic money is the second communication medium; It is possible to include a communication medium such as a communication medium or other communication mediums.

In addition, the key data is an encryption key (or decryption) for securing confidentiality, authentication, integrity and nonrepudiation of the electronic money charging request information between the terminal and the server (or device) receiving the electronic money charging request information. And at least one key).

According to an embodiment of the present invention, the charging processing information for each communication medium is stored in the memory unit 230 (or the security application module 250) in association with a plurality of communication medium information that can be connected through the terminal and in an inactive state. In this case, it is preferable that the terminal activates charging processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (730), the terminal is a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-range wired communication medium of the packet switching method, a direct communication of a plurality of communication media A local area wired communication medium and at least one device (or server) located in a local area according to a channel search protocol corresponding to a local area communication medium including at least one optical communication medium, and a communication channel connection for the electronic money charging process. By attempting to verify that the device (or server) located in the near field is discovered (735).

If the device (or server) located in the near field is found (740), the terminal checks the communication medium information corresponding to the device (or server) found in the near field through the channel discovery protocol (745), The communication medium information is stored in the memory unit 230 (or the security application module 250) in association with the charging process information for each communication medium (750), and the process is for a short range communication medium connectable to the terminal. Repeat periodically (755).

When the electronic money is charged using the terminal, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information may include the first communication medium information for receiving the electronic money charging information. And second communication medium information for transmitting the electronic money charging request information including the electronic money charging information and the card information read through the card reader unit 210.

Thereafter, the terminal transmits the found at least one communication medium information to the platform operation server 120 on the communication network and stores the information on the platform operation D / B 2345 (760).

8 is a diagram illustrating an operation process of the VoIP composite terminal 100 for selective payment processing according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates the payment through a predetermined communication medium among communication media discovered through the communication medium searching process shown in FIG. 3 when the payment menu is selected in the VoIP composite terminal 100 shown in FIG. Regarding the operation process of processing the payment, those skilled in the art to which the present invention belongs, the process for the selective payment processing according to the communication medium identification with reference to and / or this figure 8 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

In the following, the VoIP composite terminal 100 shown in FIG. 2 is referred to as " terminal "

Referring to FIG. 8, the terminal outputs a plurality of menus including at least one of the payment menu, banking menu, giro payment menu, ticket reservation / advance menu, and electronic money charging menu, and inputs a key provided in the terminal. The method determines whether a payment menu is selected from the plurality of menus (800).

If the payment menu is selected (805), the terminal checks the first communication medium currently connected to the communication (810), the payment for each communication medium including the first communication medium information in association with the memory unit 230 In operation 815, at least one second communication medium information associated with the first communication medium information is identified in the payment processing information (820).

Subsequently, the terminal outputs a user interface for selecting payment target second communication medium information from among the at least one or more pieces of confirmed second communication medium information (825), and a predetermined payment target second through the user interface. In operation 830, the communication medium information is selected.

If the second payment medium information for payment is selected (835), the terminal switches the operation mode to a payment mode for each communication medium corresponding to the second communication medium information for payment (840).

Alternatively, the payment mode for each communication medium includes a payment mode for transmitting the payment request information generated in the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wired communication medium to process the payment. It is preferable to make it.

Alternatively, the payment mode for each communication medium includes a payment mode for transmitting the payment request information generated in the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wireless communication medium to process the payment. It is preferable to make it.

Thereafter, the terminal connects a communication channel with an apparatus for processing payment, or a server through the payment target second communication medium information (845).

Here, it is preferable that the terminal connects the short-range wireless communication channel for transmitting the payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wireless communication medium of a packet switched method. .

Alternatively, the terminal may connect a short range wireless communication channel for transmitting the payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short range wireless communication medium of a direct communication method. .

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the payment request information to the VoIP composite terminal 100 and the client terminal 105 located in a short distance through a short-range wired communication medium of a packet exchange method. .

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the payment request information to the VoIP composite terminal 100 and a client terminal 105 located in a short distance through a short-range wired communication medium of a direct communication method. .

Alternatively, the terminal may connect an optical communication channel for transmitting the payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through an optical communication medium.

Or, the terminal is preferably connected to the wide area communication channel for transmitting the payment request information to the platform operating server 120 on the communication network via a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the payment request information to the platform operation server 120 on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the payment target second communication medium information (850), the terminal outputs a payment interface for each communication medium corresponding to the second communication medium information for payment; In operation 855, payment information, payment security information, and card information are input through the payment interface for each communication medium (860).

If payment information, payment security information, and card information are input through the payment interface for each communication medium (865), the terminal performs the transaction process shown in FIG.

9 is a flowchart illustrating an operation of the VoIP composite terminal 100 for the selective payment processing according to the communication medium identification according to another embodiment of the present invention.

In more detail, FIG. 9 illustrates a card transaction message including payment information from a first communication medium among communication media discovered through the communication medium discovery process shown in FIG. 3 in the VoIP composite terminal 100 shown in FIG. In the case of receiving the, the process of the automatic payment through the second communication medium corresponding to the payment information to process the payment process, if one of ordinary skill in the art to which the present invention belongs, this figure 9 By referring to and / or modified to the various implementation methods for the process for the selective payment processing according to the communication medium identification can be inferred, the present invention comprises all the inferred implementation methods, this figure 9 The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 9, the terminal checks whether a predetermined card transaction message is received from a first communication medium currently connected to a communication medium found through the communication medium searching process shown in FIG.

If a predetermined card transaction message is received from the first communication medium (905), the terminal reads the received card transaction message and checks whether payment information for the payment processing is included (910).

If the payment information is not included in the card transaction message (915), the terminal includes the financial transaction information, giro payment information, ticket reservation / reservation information, electronic money charging information in addition to the payment information. The process of checking whether there is a check is performed (920).

On the other hand, if the payment information is not included in the card transaction message (915), the terminal is linked to the memory unit 230, payment settlement corresponding to the payment information of the payment processing information including the first communication medium information The target second communication medium information is checked (925).

According to an exemplary embodiment of the present disclosure, the terminal may automatically check a wireless communication medium or a wired communication medium to which the terminal is connected among the communication medium information stored in the memory unit 230 as the second communication medium. .

According to another embodiment of the present invention, when the payment information includes the payment page URL, the terminal among the communication medium information stored in the memory unit 230, the client accessing the payment page near the terminal A packet-switched short-range wireless communication medium for direct communication with the terminal 105, a short-range wireless communication medium for a direct communication method, a short-range wired communication medium for a packet-switched method, or a short-range wired communication medium for a direct communication method, or an optical communication medium. It is preferable to automatically check any one communication medium as the second communication medium, and even if the payment page URL is included according to the intention of a person skilled in the art, the wireless communication medium to which the terminal is connected, or the wired communication medium to the second communication medium. You may check the media automatically.

According to another exemplary embodiment of the present invention, when the payment information includes the payment path code information, the terminal corresponds to the payment path code information among communication medium information stored in the memory unit 230. A wireless communication medium, or a wired communication medium, or a short-range wireless communication medium of a packet-switched method, a short-range wireless communication medium of a direct communication method, a short-range wireless communication medium of a packet-switching method, or a short-range wired communication medium of a direct communication method, or an optical fiber. Preferably, any one of the communication media is automatically identified as the second communication media.

If the second payment medium information for payment corresponding to the payment information is confirmed (930), the terminal establishes a communication channel with an apparatus for processing payment through the second communication medium information for payment, or a server. Connect (935).

Alternatively, the terminal may connect a wide area communication channel for transmitting the payment request information to the platform operation server 120 on the communication network through a wired communication medium.

If the communication channel is connected to the device or the server through the payment target second communication medium information (940), the terminal sets the operation mode to the payment mode for each communication medium corresponding to the payment target second communication medium information. Switch to (940).

Thereafter, the terminal outputs a payment interface for each communication medium corresponding to the second communication medium information for payment (950), and checks whether payment information, payment security information, and card information are input through the payment interface for each communication medium. (955).

If payment information, payment security information, and card information are input through the payment interface for each communication medium (960), the terminal performs the transaction process shown in FIG.

FIG. 10 illustrates a transaction process for selective payment processing according to communication medium identification according to an embodiment of the present invention.

In more detail, in FIG. 10, at least one or more payment information, payment security information, and card information input through the payment processing process illustrated in FIG. 7 or FIG. 8 in the VoIP composite terminal 100 shown in FIG. The present invention relates to a process of generating payment request information including information and transmitting the same through the second communication medium. Those skilled in the art to which the present invention pertains may refer to and / or modify the communication medium and refer to FIG. Various implementation methods for the transaction process for the selective payment processing according to the identification may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features only by the implementation method shown in FIG. This is not limited.

Hereinafter, in FIG. 10, the VoIP composite terminal 100 shown in FIG. 2 is referred to as "terminal" for convenience.

Referring to FIG. 10, when payment information, payment security information, and card information are input through the payment settlement process shown in FIG. 8 or FIG. 9, the terminal displays the input payment information, payment security information, and card information. In operation 1000, payment request information that can be transmitted to the second communication medium corresponding to the connected communication channel is generated during the payment processing shown in FIG. 8 or 9.

If the payment request information is generated (1005), the terminal transmits the payment request information through a communication channel corresponding to the second communication medium (1010), the first communication medium (for example, through the terminal Check whether the message including the payment result is received through the connected communication medium or the communication medium receiving the card transaction message or the second communication medium (for example, the communication medium transmitting the payment request information) before the payment processing. (1015)

If a message including the payment result is received (1025), the terminal outputs the payment result included in the received message on the screen (1030).

11 is a diagram illustrating an operation process of the VoIP composite terminal 100 for selective financial transaction processing according to communication medium identification according to an embodiment of the present invention.

In more detail, in FIG. 11, when the banking menu is selected in the VoIP composite terminal 100 shown in FIG. 2, the finance is performed through a predetermined communication medium among communication media discovered through the communication medium searching process shown in FIG. As an operation process for processing a transaction, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a process for processing a selective financial transaction according to the communication medium identification by referring to and / or modifying the drawing 11. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

In the following figure 11, the VoIP composite terminal 100 shown in FIG. 2 is referred to as " terminal "

Referring to FIG. 11, the terminal outputs a plurality of menus including at least one of the payment menu, banking menu, giro payment menu, ticket reservation / advance menu, and electronic money charging menu, and inputs a key provided in the terminal. In operation 1100, the banking menu is selected from the plurality of menus.

If the banking menu is selected (1105), the terminal checks the first communication medium currently connected to the communication (1110), and banking for each communication medium including the first communication medium information in association with the memory unit 230 The processing information is checked (1115), and at least one or more second communication media information associated with the first communication medium information is identified (1120) in the banking processing information.

Thereafter, the terminal outputs a user interface for selecting financial communication target second communication medium information from among the at least one identified second communication medium information (1125), and a predetermined financial transaction target second through the user interface. In operation 1130, the communication medium information is selected.

If the financial transaction target second communication medium information is selected (1135), the terminal switches the operation mode to the banking mode for each communication medium corresponding to the financial transaction target second communication medium information (1140).

Alternatively, the banking mode for each communication medium may include a banking mode for transmitting the financial transaction request information generated by the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wired communication medium to process the financial transaction. It is preferable to comprise.

Alternatively, the banking mode for each communication medium is a banking mode for processing the financial transaction by transmitting the financial transaction request information generated in the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wireless communication medium. It is preferable to comprise.

Thereafter, the terminal connects a communication channel with an apparatus for processing a financial transaction or a server through the second communication medium information for financial transaction (1145).

Here, it is preferable that the terminal connects the short-range wireless communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wireless communication medium of a packet switched method. Do.

Alternatively, the terminal may connect a short range wireless communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short range wireless communication medium of a direct communication method. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a packet exchange method. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method. Do.

Alternatively, the terminal may connect an optical communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the financial transaction request information to the platform operation server 120 on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the financial transaction request information to a platform operation server 120 on the communication network through a wireless communication medium.

If a communication channel is connected with the device or the server through the financial communication target second communication medium information (1150), the terminal outputs a financial transaction interface for each communication medium corresponding to the financial communication target second communication medium information. In operation 1155, the financial transaction interface for each communication medium determines whether financial transaction information, financial transaction security information, and card information are input (1160).

If financial transaction information, financial transaction security information, and card information are input through the financial transaction interface for each communication medium (1165), the terminal performs the transaction process shown in FIG.

12 is a diagram illustrating an operation process of the VoIP composite terminal 100 for selective financial transaction processing according to communication medium identification according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates a card transaction including financial transaction information from a first communication medium among communication media discovered through the communication medium discovery process shown in FIG. 4 in the VoIP composite terminal 100 shown in FIG. In the case of receiving a message, the operation process of processing the financial transaction by automatically checking through a second communication medium corresponding to the financial transaction information, and if the person having ordinary knowledge in the technical field to which the present invention belongs, Although various implementation methods for the process for the selective financial transaction processing according to the communication medium identification may be inferred by referring to and / or modifying the drawing 12, the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG.

In the following figure 12, the VoIP composite terminal 100 shown in FIG. 2 is referred to as " terminal "

Referring to FIG. 12, the terminal checks whether a predetermined card transaction message is received from a first communication medium currently connected to the communication medium found through the communication medium searching process shown in FIG.

If a predetermined card transaction message is received from the first communication medium (1205), the terminal reads the received card transaction message and checks whether the financial transaction information for the financial transaction processing is included (1210).

If the financial transaction information is not included in the card transaction message (1215), the terminal transmits the financial transaction information, giro payment information, ticket reservation / booking information, and electronic money charging information in addition to the financial transaction information. The process of checking whether it is included is performed (1220).

On the other hand, if the financial transaction information is not included in the card transaction message (1215), the terminal corresponds to the financial transaction information of the banking processing information including the first communication medium information in association with the memory unit 230; The second communication medium information for financial transaction is confirmed (1225).

According to another exemplary embodiment of the present invention, when the financial transaction information includes the financial transaction page URL, the terminal may access the financial transaction page in the vicinity of the terminal from among communication medium information stored in the memory unit 230. Packet-switched short-range wireless communication medium for direct communication with the connected client terminal 105, short-range wireless communication medium for direct communication, short-range wired communication medium for packet-switched method, or short-range wired communication medium for direct communication, or optical It is preferable to automatically check any one of the communication media as the second communication media, and even if the financial transaction page URL is included according to the intention of the person skilled in the art, the wireless communication medium or the wired communication medium to which the terminal is connected The second communication medium may be automatically confirmed.

According to another exemplary embodiment of the present invention, when the financial transaction information includes the financial transaction path code information, the terminal is configured to display the financial transaction path code information among the communication medium information stored in the memory unit 230. A corresponding wireless communication medium, or a wired communication medium, or a packet-switched short-range wireless communication medium, a direct-wired short-range wireless communication medium, a packet-switched short-range wired communication medium, or a direct-communication short-range wired communication medium, or Preferably, any one of optical communication media is automatically identified as the second communication media.

If the financial transaction target second communication medium information corresponding to the financial transaction information is confirmed (1230), the terminal is a device for processing a financial transaction through the financial transaction target second communication medium information, or a communication channel with a server Connect (1235).

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and the client terminal 105 located in a short distance through a short-range wired communication medium of a direct communication method. Do.

Alternatively, the terminal may connect an optical communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and a client terminal 105 located at a short distance through an optical communication medium.

If the communication channel is connected to the device or the server through the financial communication target second communication medium information (1240), the terminal sets the operation mode to the banking mode for each communication medium corresponding to the financial communication target second communication medium information. Switch to (1240).

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a banking mode for processing the financial transaction.

Thereafter, the terminal outputs a financial transaction interface for each communication medium corresponding to the second communication medium information targeted for the financial transaction (1250), and provides financial transaction information, financial transaction security information, and card information through the financial transaction interface for each communication medium. Is entered (1255).

If financial transaction information, financial transaction security information, and card information are input through the financial transaction interface for each communication medium (1260), the terminal performs the transaction process shown in FIG.

13 illustrates a transaction process for selective financial transaction processing according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates at least one of financial transaction information, financial transaction security information, and card information input through the financial transaction processing process shown in FIG. 7 or FIG. 8 in the VoIP composite terminal 100 shown in FIG. Regarding a process of generating financial transaction request information including one or more, and transmitting the same through the second communication medium, those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods for a transaction process for selective financial transaction processing according to the communication medium identification may be inferred, but the present invention includes all the implementation methods inferred, and only with the implementation method shown in FIG. The technical features are not limited.

In the following figure 13, the VoIP composite terminal 100 shown in FIG. 2 is referred to as " terminal "

Referring to FIG. 13, when the financial transaction information, the financial transaction security information, and the card information are input through the financial transaction processing process illustrated in FIG. 11 or FIG. 12, the terminal receives the financial transaction information and the financial transaction security. In operation 1300, the financial transaction request information including the information and the card information may be transmitted to the second communication medium corresponding to the connected communication channel during the financial transaction processing shown in FIG. 11 or 12.

If the financial transaction request information is generated (1305), the terminal transmits the financial transaction request information through a communication channel corresponding to the second communication medium (1310) and the first communication medium (eg, the terminal). The message including the financial transaction result through a communication medium connected before the financial transaction processing, or a communication medium receiving a card transaction message) or a second communication medium (for example, a communication medium transmitting the financial transaction request information). Check if it is received (1315).

If a message including the financial transaction result is received (1325), the terminal outputs the financial transaction result included in the received message on the screen (1330).

FIG. 14 is a diagram illustrating an operation process of the VoIP composite terminal 100 for branch payment processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 14 illustrates a method of selecting a Giro payment menu in the VoIP composite terminal 100 shown in FIG. 2, through a predetermined communication medium among communication media discovered through the communication medium searching process shown in FIG. As for the operation process of processing the payment by Giro, if one of ordinary skill in the art to which the present invention pertains, refer to and / or modify this drawing 14 to make selective payment (or financial transaction) according to the communication medium identification. It will be possible to infer various implementation methods for the process for giro payment processing through, but the present invention includes all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. No.

In the following figure 14, the VoIP composite terminal 100 shown in FIG. 2 is referred to as " terminal "

Referring to FIG. 14, the terminal outputs a plurality of menus including at least one of the payment menu, banking menu, giro payment menu, ticket reservation / advance menu, and electronic money charging menu, and inputs a key provided in the terminal. In operation 1400, it is checked whether a payment menu is selected among the plurality of menus through the means.

If the Jiro payment menu is selected (1405), the terminal checks the first communication medium currently connected to the communication (1410), and the communication medium for each communication medium including the first communication medium information in association with the memory unit 230. Checking the processing information (1415), and at least one second communication medium information associated with the first communication medium information from the processing information (1420).

Subsequently, the terminal outputs a user interface for selecting the second communication medium information to be paid to the giro payment among the at least one or more pieces of the second communication medium information (1425), and through the user interface, a predetermined target to be paid to the second payment medium. Check whether the communication medium information is selected (1430).

If the second communication medium information to be paid for giro is selected (1435), the terminal switches to the operation mode for each communication medium corresponding to the second communication medium information to be paid to Giro (1440).

Alternatively, the Jiro mode for each communication medium transmits the Jiro payment request information generated by the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wired communication medium to process the Jiro payment. It is preferable to comprise.

Alternatively, the Jiro mode for each communication medium transmits the Jiro payment request information generated in the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wireless communication medium to process the Jiro payment. It is preferable to comprise.

Thereafter, the terminal connects a communication channel with an apparatus for processing a giro payment, or a server through the information on the giro payment target second communication medium (1445).

Here, it is preferable that the terminal connects the short-range wireless communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wireless communication medium of a packet switched method. Do.

Alternatively, the terminal may connect a short range wireless communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short range wireless communication medium of a direct communication method. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a packet exchange method. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method. Do.

Alternatively, the terminal may connect an optical communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and a client terminal 105 located at a short distance through an optical communication medium.

Alternatively, the terminal may connect the wide area communication channel for transmitting the branch payment request information to the platform operation server 120 on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the branch payment request information to a platform operation server 120 on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the information on the second payment medium, the terminal outputs the information on the payment interface for each communication medium corresponding to the information on the second communication medium. In operation 1455, the information regarding the payment of the payment, the payment information for the payment, and the card information are input through the payment payment interface for each communication medium (1460).

If Giro payment information, Giro payment security information, and card information are input through the Giro payment interface for each communication medium (1465), the terminal performs the transaction process shown in FIG.

FIG. 15 is a diagram illustrating an operation process of the VoIP composite terminal 100 for branch payment processing through selective payment (or financial transaction) according to a communication medium identification according to another embodiment of the present invention.

In more detail, FIG. 15 illustrates a card transaction including payment information from a first communication medium among communication media discovered through the communication medium discovery process shown in FIG. 5 in the VoIP composite terminal 100 shown in FIG. In the case of receiving a message, an operation process of automatically confirming through the second communication medium corresponding to the giro payment information and processing the giro payment, and if the person of ordinary skill in the art to which the present invention belongs 15 and / or modified to infer various implementation methods for the process for the process of payment of giro through the selective payment (or financial transaction) according to the communication medium identification, but the present invention is inferred to all It is made, including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

In the following Figure 15, the VoIP composite terminal 100 shown in Figure 2 is referred to as "terminal" for convenience.

Referring to FIG. 15, the terminal checks whether a predetermined card transaction message is received from a first communication medium currently connected to a communication medium found through the communication medium searching process shown in FIG.

If a predetermined card transaction message is received from the first communication medium (1505), the terminal reads the received card transaction message and checks whether the payment information for giro payment is included (1510).

According to the method of the present invention, the giro payment information included in the card transaction message preferably comprises at least one payment amount, PG identification information, giro payment page URL information, It is preferable to further include at least one or more giro payment path code information.

If the card transaction message does not include the giro payment information (1515), the terminal includes payment information, financial transaction information, ticket reservation / booking information, and electronic money charging information in addition to the giro payment information. The process of checking whether it is in progress is performed (1520).

On the contrary, if the card transaction message does not include the giro payment information (1515), the terminal corresponds to the giro payment information among the giro processing information including the first communication medium information in association with the memory unit 230. The second communication medium information to which the giro payment is to be confirmed is checked (1525).

According to another exemplary embodiment of the present invention, when the giro payment page includes the giro payment page URL, the terminal is located in the giro payment page near the terminal among the communication medium information stored in the memory unit 230. Packet-switched short-range wireless communication medium for direct communication with the connected client terminal 105, short-range wireless communication medium for direct communication, short-range wired communication medium for packet-switched method, or short-range wired communication medium for direct communication, or optical It is preferable to automatically check any one of communication media as the second communication media, and according to the intention of the person skilled in the art, even if the page payment page URL is included, the wireless communication media connected to the terminal or the wired communication media The second communication medium may be automatically confirmed.

According to another exemplary embodiment of the present invention, when the giro payment path information is included in the giro payment information, the terminal may display the giro payment path code information among the communication medium information stored in the memory unit 230. A corresponding wireless communication medium, or a wired communication medium, or a packet-switched short-range wireless communication medium, a direct-wired short-range wireless communication medium, a packet-switched short-range wired communication medium, or a direct-communication short-range wired communication medium, or Preferably, any one of optical communication media is automatically identified as the second communication media.

If the information on the second payment medium corresponding to the payment to the giro is confirmed (1530), the terminal is configured to process the payment through the information on the second communication medium to be paid, or a communication channel with a server. (1535).

If the communication channel is connected to the apparatus or the server through the information on the target to be paid to the giro (1540), the terminal determines the operation mode according to the communication medium corresponding to the information to the second to the target to be paid by the media. Switch to (1540).

Subsequently, the terminal outputs a Giro payment interface for each communication medium corresponding to the information on the Giro payment target second communication medium (1550), and provides Giro payment information, Giro payment security information, and card information through the Giro payment interface for each communication medium. Verify that is entered (1555).

If Giro payment information, Giro payment security information, and card information are input through the Giro payment interface for each communication medium (1560), the terminal performs the transaction process shown in FIG.

In more detail, FIG. 16 illustrates at least one of giropayment information, giropayment security information, and card information input through the Giropayment process shown in FIG. 7 or FIG. 8 in the VoIP composite terminal 100 shown in FIG. The present invention relates to a process of generating giro payment request information including one or more and transmitting the same through the second communication medium. Those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods for the transaction process for the payment process of giro payment through selective payment (or financial transaction) according to the communication medium identification may be inferred, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

In the following figure 16, the VoIP composite terminal 100 shown in FIG. 2 is referred to as " terminal "

Referring to FIG. 16, when the terminal payment information, the payment information and the card information are input through the payment processing process illustrated in FIG. 14 or FIG. 15, the terminal receives payment information and payment information. And generating payment request information that can be transmitted to the second communication medium corresponding to the connected communication channel in the process of payment payment illustrated in FIG. 14 or 15 (1600).

If the branch payment request information is generated (1605), the terminal transmits the branch payment request information through a communication channel corresponding to the second communication medium (1610) and the first communication medium (eg, the terminal). The message including the result of the payment by Giro through the connected communication medium, or the communication medium receiving the card transaction message or the second communication medium (for example, the communication medium transmitting the payment request information) before the payment by Giro Check if it is received (1615).

If a message including the Jiro payment result is received (1625), the terminal outputs the Jiro payment result included in the received message on the screen (1630).

FIG. 17 is a view illustrating an operation process of the VoIP composite terminal 100 for ticket reservation / booking processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 17 shows a predetermined communication medium among the communication media discovered through the communication medium search process shown in FIG. 6 when the ticket reservation / reservation menu is selected in the VoIP composite terminal 100 shown in FIG. The operation of processing the ticket reservation / reservation through, and those of ordinary skill in the art to which the present invention pertains, referring to and / or modifying the Figure 17 and the selective payment according to the communication medium identification ( Or it may be able to infer various implementation methods for the process for ticket reservation / booking process through a financial transaction), but the present invention includes all the implementation methods inferred above, only by the implementation method shown in FIG. The technical features are not limited.

Hereinafter, in FIG. 17, the VoIP composite terminal 100 shown in FIG. 2 is referred to as "terminal" for convenience.

Referring to FIG. 17, the terminal outputs a plurality of menus including at least one of the payment menu, the banking menu, the giro payment menu, the ticket reservation / advance menu, and the electronic money charging menu, and the key input provided in the terminal. Through means, it is checked whether a ticket reservation / advance menu is selected from the plurality of menus (1700).

If the ticket reservation / reservation menu is selected (1705), the terminal checks the first communication medium currently connected to the communication (1710), the communication including the first communication medium information in association with the memory unit 230 The ticket processing information for each medium is checked (1715), and at least one or more second communication media information associated with the first communication medium information is identified (1720) in the ticket processing information.

Thereafter, the terminal outputs a user interface for selecting ticket reservation / reservation target second communication medium information from among the at least one or more pieces of confirmed second communication medium information (1725), and predetermined ticket reservation / In operation 1730, it is checked whether information on the second communication medium to be reserved is selected.

If the ticket reservation / reservation target second communication medium information is selected (1735), the terminal switches the operation mode to a ticket mode for each communication medium corresponding to the ticket reservation / reservation target second communication medium information (1740). .

Here, the ticket mode for each communication medium is a client that is located near the VoIP composite terminal 100 and the ticket reservation / reservation request information generated by the VoIP composite terminal 100 via the packet-switched short-range wireless communication media. It is preferable to include a ticket mode for transmitting to the terminal 105 to process the ticket reservation / reservation.

Alternatively, the ticket mode for each communication medium transmits ticket reservation / reservation request information generated by the VoIP composite terminal 100 to the client terminal 105 located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a ticket mode for processing the ticket reservation / reservation.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wired communication medium to process the ticket reservation / reservation. It is preferable that a ticket mode is included.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to the platform operation server 120 on the communication network through a wireless communication medium to process the ticket reservation / reservation. It is preferable that a ticket mode is included.

Thereafter, the terminal connects a communication channel with an apparatus for processing a ticket reservation / reservation or a server through the ticket communication / reservation target second communication medium information (1745).

Here, the terminal connects a short range wireless communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short range wireless communication medium of a packet switched method. It is preferable.

Alternatively, the terminal connects the short range wireless communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short range wireless communication medium of a direct communication method. It is preferable.

Alternatively, the terminal connects the short-range wired communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and the client terminal 105 located in the short-range through a short-range wired communication medium of a packet exchange method. It is preferable.

Alternatively, the terminal connects a short-range wired communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wired communication medium of a direct communication method. It is preferable.

Alternatively, the terminal may connect an optical communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a platform operation server 120 on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a platform operation server 120 on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the ticket reservation / reservation target second communication medium information (1750), the terminal is a ticket for each communication medium corresponding to the ticket reservation / reservation target second communication medium information The reservation / reservation interface is output (1755), and the ticket reservation / reservation information, ticket reservation / reservation security information, and card information are input through the ticket reservation / reservation interface for each communication medium (1760).

If the ticket reservation / reservation information, ticket reservation / reservation security information, card information is input through the ticket reservation / reservation interface for each communication medium (1765), the terminal performs the transaction process shown in FIG.

FIG. 18 is a flowchart illustrating an operation of the VoIP composite terminal 100 for ticket reservation / reservation processing through selective payment (or financial transaction) according to communication medium identification according to another embodiment of the present invention.

In more detail, FIG. 18 includes ticket reservation / advance information from a first communication medium among communication media discovered through the communication medium discovery process shown in FIG. 6 in the VoIP composite terminal 100 shown in FIG. Receiving a card transaction message, the operation process for processing the ticket reservation / reservation by automatically checking through a second communication medium corresponding to the ticket reservation / reservation information, which is conventional in the art Those skilled in the art may refer to and / or modify this drawing 18 to infer various implementation methods for the process of ticket reservation / preservation through selective payment (or financial transaction) according to the communication medium identification. However, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG. .

In the following figure 18, the VoIP composite terminal 100 shown in FIG. 2 is referred to as " terminal "

Referring to FIG. 18, the terminal checks whether a predetermined card transaction message is received from a first communication medium currently connected to a communication medium found through the communication medium searching process shown in FIG. 6 (1800).

If a predetermined card transaction message is received from the first communication medium (1805), the terminal reads the received card transaction message and checks whether ticket reservation / advance information for the ticket reservation / advance processing is included. (1810).

If the ticket transaction / reservation information is not included in the card transaction message (1815), the terminal in addition to the ticket reservation / reservation information in the card transaction message, ticket reservation / reservation information, ticket reservation / reservation information, ticket reservation / In operation 1820, a process of checking whether the reservation information and the electronic money charging information is included is performed.

On the other hand, if the ticket reservation / reservation information is not included in the card transaction message (1815), the terminal in connection with the memory unit 230, the ticket reservation / reservation of the ticket processing information including the first communication medium information In operation 1825, the ticket reservation / reservation target second communication medium information corresponding to the information is confirmed.

According to another exemplary embodiment of the present invention, when the ticket reservation / advance information includes the ticket reservation / advance page URL, the terminal is located near the terminal from among communication medium information stored in the memory unit 230. Short-range wireless communication medium of the packet-switched method, short-range wireless communication medium of the direct communication method, short-range wireless communication medium of the packet-switching method, or direct communication method of the communication connection with the client terminal 105 connected to the ticket reservation / booking page It is preferable to automatically check any one of a wired communication medium or an optical communication medium as the second communication medium, and wirelessly connected to the terminal even when the ticket reservation / advance page URL is included according to the intention of a person skilled in the art. The communication medium or the wired communication medium may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the ticket reservation / reservation information includes the ticket reservation / reservation path code information, the terminal reserves the ticket among communication medium information stored in the memory unit 230. Wireless communication medium or wired communication medium corresponding to the reservation path code information, or a short-range wireless communication medium in a packet-switched manner, a short-range wireless communication medium in a direct-communication manner, a short-range wireless communication medium in a packet-switched manner, or a direct communication method. Preferably, the communication medium of any one of a short distance wired communication medium and an optical communication medium is automatically identified as the second communication medium.

If ticket reservation / reservation target second communication medium information corresponding to the ticket reservation / reservation information is confirmed (1830), the terminal processes the ticket reservation / reservation through the second communication medium information for ticket reservation / reservation target. The communication channel is connected to the device for communication with the server (1835).

If a communication channel is connected to the device or the server through the ticket reservation / reservation target second communication medium information (1840), the terminal sets an operation mode to correspond to the ticket communication / reservation target second communication medium information. Switch to the ticket mode for each medium (1840).

Thereafter, the terminal outputs a ticket reservation / reservation interface for each communication medium corresponding to the ticket communication / reservation target second communication medium information (1850), and ticket reservation / reservation information through the ticket reservation / reservation interface for each communication medium. In operation 1855, the ticket reservation / reservation security information and the card information are input.

If the ticket reservation / reservation information, ticket reservation / reservation security information, card information is input through the ticket reservation / booking interface for each communication medium (1860), the terminal performs the transaction process shown in FIG.

In more detail, FIG. 19 shows the ticket reservation / reservation information and ticket reservation / reservation security input through the ticket reservation / reservation process shown in FIG. 7 or FIG. 8 in the VoIP composite terminal 100 shown in FIG. The present invention relates to a process of generating ticket reservation / reservation request information including at least one information and card information and transmitting the same through at least one of the second communication media. 19 and / or modified to infer various implementation methods for the transaction process for ticket reservation / advance processing through selective payment (or financial transaction) according to the communication medium identification, but the present invention infers the above It is made to include all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

In the following figure 19, the VoIP composite terminal 100 shown in FIG. 2 will be referred to as " terminal "

Referring to FIG. 19, when the terminal receives ticket reservation / reservation information, ticket reservation / reservation security information, and card information through the ticket reservation / reservation processing shown in FIG. 17 or FIG. 18, the input ticket reservation is performed. Ticket reservation / reservation request that can be transmitted to the second communication medium corresponding to the connected communication channel in the ticket reservation / reservation process shown in FIG. 17 or FIG. 18, including reservation information, ticket reservation, reservation security information, and card information. Generate information (1900).

If the ticket reservation / reservation request information is generated (1905), the terminal transmits the ticket reservation / reservation request information through a communication channel corresponding to the second communication medium (1910), the first communication medium ( For example, the communication medium connected before the ticket reservation / reservation processing through the terminal, or a communication medium receiving a card transaction message) or a second communication medium (for example, the communication medium transmitting the ticket reservation / reservation request information). It is checked whether a message including a ticket reservation / advancing result is received (1915).

If a message including the ticket reservation / booking result is received (1925), the terminal outputs the ticket reservation / booking result included in the received message on a screen (1930).

20 is a diagram illustrating an operation process of the VoIP composite terminal 100 for electronic money charging processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 20 shows a predetermined communication medium among communication media discovered through the communication medium searching process shown in FIG. 7 when the electronic money charging menu is selected in the VoIP composite terminal 100 shown in FIG. As an operation process for processing the electronic money charging through, those of ordinary skill in the art to which the present invention pertains, with reference to and / or modifying the figure 20, selective payment (or according to the communication medium identification (or It will be possible to infer various implementation methods for the process for the processing of electronic money charging through financial transactions), but the present invention includes all the implementation methods inferred above, and only the implementation method shown in FIG. Features are not limited.

Hereinafter, the VoIP composite terminal 100 shown in FIG. 2 is referred to as " terminal "

Referring to FIG. 20, the terminal outputs a plurality of menus including at least one of the payment menu, banking menu, giro payment menu, ticket reservation / advance menu, and electronic money charging menu, and inputs a key provided in the terminal. In operation 2000, the electronic money charging menu is selected from the plurality of menus.

If the electronic money charging menu is selected (2005), the terminal checks the first communication medium currently connected to the communication (2010), the communication medium including the first communication medium information in association with the memory unit 230 Check the charging processing information for each star (2015), and at least one or more second communication media information associated with the first communication medium information from the charging processing information (2020).

Thereafter, the terminal outputs a user interface for selecting the electronic communication charging target second communication medium information from among the at least one identified second communication media information (2025), and the predetermined electronic money charging target through the user interface. In operation 2030, the second communication medium information is selected.

If the second communication medium information for charging the electronic money is selected (2035), the terminal switches to the charging mode for each communication medium corresponding to the second communication medium information for charging the electronic money (2040).

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to the platform operation server 120 on the communication network through a wired communication medium to process the charging of the electronic money. It is preferable to include a mode.

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to a platform operation server 120 on the communication network through a wireless communication medium to process the charging of the electronic money. It is preferable to include a mode.

Thereafter, the terminal connects a communication channel with an apparatus for processing electronic money charging or a server through the second communication medium information for charging electronic money (2045).

Here, the terminal connects the short-range wireless communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and the client terminal 105 located in the short-range via a packet-switched short-range wireless communication medium. desirable.

Alternatively, the terminal connects the short-range wireless communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and the client terminal 105 located at a short distance through a short-range wireless communication medium of a direct communication method. desirable.

Alternatively, the terminal connects the short-range wired communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and the client terminal 105 located in the short-range via a packet-switched short-range wired communication medium. desirable.

Alternatively, the terminal connects the short-range wired communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and the client terminal 105 located in the short-range through a short-range wired communication medium of the direct communication method. desirable.

Alternatively, the terminal may connect an optical communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and a client terminal 105 located at a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the electronic money charging request information to the platform operation server 120 on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the electronic money charging request information to the platform operation server 120 on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the information on the second communication medium for charging the electronic money (2050), the terminal charges the electronic money for each communication medium corresponding to the information on the second communication medium for charging the electronic money. An interface is output (2055), and the electronic money charging information, the electronic money charging security information, and the card information are input through the electronic money charging interface for each communication medium (2060).

If electronic money charging information, electronic money charging security information, and card information are input through the electronic money charging interface for each communication medium (2065), the terminal performs the transaction process shown in FIG.

FIG. 21 is a view illustrating an operation process of the VoIP composite terminal 100 for electronic money charging processing through selective payment (or financial transaction) according to communication medium identification according to another embodiment of the present invention.

In more detail, FIG. 21 illustrates a card including electronic money charging information from a first communication medium among communication media discovered through the communication medium discovery process shown in FIG. 7 in the VoIP composite terminal 100 shown in FIG. When the transaction message is received, an operation process for automatically checking through the second communication medium corresponding to the electronic money charging information to process the electronic money charging, a person having ordinary knowledge in the technical field to which the present invention belongs In this regard, various embodiments of the present invention may be inferred by referring to and / or modifying the drawing 21 and the process for the electronic money charging process through the selective payment (or financial transaction) according to the communication medium identification. It is made to include all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG.

In the following figure 21, the VoIP composite terminal 100 shown in FIG. 2 will be referred to as " terminal "

Referring to FIG. 21, the terminal checks whether a predetermined card transaction message is received from a first communication medium currently connected to a communication medium found through the communication medium searching process shown in FIG. 7 (2100).

If a predetermined card transaction message is received from the first communication medium (2105), the terminal reads the received card transaction message and checks whether the electronic money charging information for the electronic money charging process is included (2110). ).

If the card transaction message does not include the electronic money charging information (2115), the terminal in addition to the electronic money charging information in the card transaction message, the electronic money charging information, electronic money charging information, electronic money charging information, electronic The process of checking whether the money charging information is included is performed (2120).

On the other hand, if the electronic money charging information is not included in the card transaction message (2115), the terminal is linked to the electronic money charging information of the charging processing information including the first communication medium information in association with the memory unit 230. In operation 2125, the corresponding electronic money charging target second communication medium information is checked.

According to another exemplary embodiment of the present invention, when the electronic money charging information includes the URL of the electronic money charging page, the terminal among the communication medium information stored in the memory unit 230, the electronic money near the terminal Short-range wireless communication medium of a packet-switched method, a short-range wireless communication medium of a direct communication method, a short-range wireless communication medium of a packet-switching method, or a short-range wired communication medium of a direct communication method for communicating with a client terminal 105 connected to a charging page. Or, it is preferable to automatically check any one of the optical communication medium to the second communication medium, wireless communication medium connected to the terminal even if the electronic money charging page URL is included, according to the intention of the skilled person The wired communication medium may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present disclosure, when the electronic money charging information includes the electronic money charging path code information, the terminal may include the electronic money charging path among communication medium information stored in the memory unit 230. A wireless communication medium corresponding to code information, or a wired communication medium, or a short-range wireless communication medium in a packet-switched manner, a short-range wireless communication medium in a direct-communication manner, a short-range wireless communication medium in a packet-switched manner, or a short-range wired communication in a direct communication manner. Preferably, the communication medium of any one of a medium and an optical communication medium is automatically identified as the second communication medium.

If the electronic currency charging target second communication medium information corresponding to the electronic money charging information is confirmed (2130), the terminal is a device for processing the electronic money charging through the electronic currency charging target second communication medium information, or The communication channel is connected to the server (2135).

If the communication channel is connected to the device or the server through the information on the second communication medium to be charged with the electronic money (2140), the terminal sets an operation mode for each communication medium corresponding to the information on the second communication medium to be charged with the electronic money. Switch to the charging mode (2140).

Thereafter, the terminal outputs an electronic money charging interface for each communication medium corresponding to the second communication medium information for charging the electronic money (2150), and charges electronic money and electronic money through the electronic money charging interface for each communication medium. It is checked whether security information or card information is input (2155).

If electronic money charging information, electronic money charging security information, and card information are input through the electronic money charging interface for each communication medium (2160), the terminal performs the transaction process shown in FIG.

In more detail, FIG. 22 shows the electronic money charging information, the electronic money charging security information, and the card inputted through the electronic money charging process shown in FIG. 7 or FIG. 8 in the VoIP composite terminal 100 shown in FIG. A process of generating electronic money charging request information including at least one information and transmitting the same through the second communication medium. If a person of ordinary skill in the art belongs to the present invention, refer to FIG. And / or may be modified to infer various implementation methods for a transaction process for electronic money recharge processing through selective payment (or financial transaction) according to the communication medium identification, but the present invention may infer all implementation methods inferred from the above. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

In the following Figure 22, the VoIP composite terminal 100 shown in Figure 2 is referred to as "terminal" for convenience.

Referring to FIG. 22, when the electronic money charging information, the electronic money charging security information, and the card information are input through the electronic money charging process illustrated in FIG. 20 or FIG. 21, the terminal receives the electronic money charging information. The electronic money charging request information including the electronic money charging security information and the card information is generated in the process of processing the electronic money charging shown in FIG. 20 or 21 and transmitted to the second communication medium corresponding to the connected communication channel (2200). .

If the electronic money charging request information is generated (2205), the terminal transmits the electronic money charging request information through a communication channel corresponding to the second communication medium (2210), the first communication medium (for example, The result of charging the electronic money through a communication medium connected before the electronic money charging process through the terminal or a communication medium receiving a card transaction message) or a second communication medium (for example, a communication medium transmitting the electronic money charging request information). In operation 2215, a message including a message is received.

If a message including the electronic money charging result is received (2225), the terminal outputs the electronic money charging result included in the received message on the screen (2230).

FIG. 23 is a diagram showing the configuration of an online Giro payment system using the VoIP composite terminal 100 having a Giro payment function through selective payment (or financial transaction) according to the communication medium identification according to the embodiment of the present invention.

In more detail, FIG. 23 illustrates that the client terminal 105 provided at home, store, office, etc. accesses the EBPP server 110 and inputs (or selects) at least one payment target map information, and inputs (or selects) information. In the case of paying at least one branch, the VoIP payment means using the VoIP composite terminal 100 having the branch payment function through the selective payment (or financial transaction) according to the communication medium identification shown in FIG. 2 is selected. Card information (eg, credit card information, check card information, or cash card) read through a card reader provided in the VoIP composite terminal 100 located at a short distance from the client terminal 105 according to the selection of the VoIP payment method. Information, or debit card information, or account information) is a system configuration for paying the giro, a common knowledge in the technical field to which the present invention belongs. If it is a pendulum, it is referred to and / or modified with reference to FIG. 23 for an online giro payment system using the VoIP composite terminal 100 having a giro payment function through selective payment (or financial transaction) according to the communication medium identification. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 23, an online giro payment system using the VoIP composite terminal 100 having a giro payment function through selective payment (or financial transaction) according to the communication medium identification is provided in a home, a store, an office, and the like. A client system including a client terminal 105, a VoIP composite terminal 100, and various communication devices, an EBPP server 110, a payment agent server 115, and a van connected to the client terminal 105 through an IP communication network. An online card payment system including a server 125 and a card company server 135, an EBPP server, a payment agent server 115, and a financial company, which are connected to the client terminal 105 through an IP communication network. An online account transfer payment system including a server, and a VoIP system including a VoIP gateway 140 and a gatekeeper 145 connected to the VoIP composite terminal 100 through an IP communication network. And a VoIP composite terminal 100 on the client system, a payment server 115 on the online card payment system, or an online bank transfer payment system, and a gatekeeper 145 on the VoIP system. It is characterized in that it comprises a platform operating server 120 for providing a platform for processing the online payment service using the VoIP composite terminal 100 in connection with.

The client system constituting the online giro payment system using the VoIP composite terminal 100 is connected to an IP communication network through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and is a packet-switched short-range wireless system. A client terminal 105 having a short range communication means including at least one communication means, a short range wireless communication means of a direct communication method, a short distance wired communication means of a packet switched method, a short distance wired communication means of a direct communication method, and an optical communication means. And a voice communication function by connecting to a VoIP server on an IP communication network through a wide area communication medium including at least one wireless communication medium and at least one wired communication medium. Communication means, Short-range wired communication means of packet switched, Direct communication VoIP complex terminal 100 having a short distance communication means including at least one wired communication means and at least one optical communication means, and a short-range wireless communication medium in a packet-switched manner between the client terminal 105 and the VoIP complex terminal 100. And a wireless AP (or wireless IP router) connecting the client terminal 105 and the VoIP composite terminal 100 to an IP communication network, or a packet exchange scheme between the client terminal 105 and the VoIP composite terminal 100. It comprises a hub (or IP router) for providing a short-distance wired communication medium and at least one communication modem for connecting the client terminal 105 and the VoIP composite terminal 100 to an IP communication network.

According to an embodiment of the present invention, the client terminal 105 preferably comprises a browser program for accessing the EBPP server 110 through the IP communication network.

The short-range wireless communication means of the packet-switched method connects the VoIP composite terminal 100 and the short-range wireless communication channel through a packet-switched short-range wireless communication medium. The wireless terminal connects a short distance communication channel to a wireless access point (or wireless IP router) located at a short distance with the client terminal 105, and the wireless AP via the wireless AP (or wireless IP router). (Or a wireless IP sharer) and at least one or more devices (or servers) located in a short distance to connect a short range communication channel through a wireless network, wherein the short range wireless communication medium complies with the IEEE 802.11.x standard. Preferably, at least one Wi-Fi, UWB (Ultra Wide Band system) and the like, the short-range wireless communication medium The type may be replaced (or added) with other communication media according to the intention of the person skilled in the art, and the present invention is not limited thereto.

Alternatively, the short-range wired communication means of the direct communication method is characterized by connecting the VoIP composite terminal 100 and the short-range wired communication channel through a short-range wired communication medium of the direct communication method, the short-range wired communication of the direct communication method The medium is a communication medium for directly connecting a short-range communication channel to the client terminal 105 and a device (or server) located in a short distance through a wire, and the short-range wired communication medium supports a USB (Universal Serial) that supports a direct communication method. Bus), RS-232c is preferably included at least one, and the short-range wired communication medium type can be replaced (or added) to another according to the intention of those skilled in the art, whereby the present invention is not limited. .

The VoIP composite terminal 100 is a VoIP terminal including the functional configuration shown in FIG. 2, which is connected to an IP communication network through a VoIP gateway 140 and a gatekeeper 145 on a VoIP system through a wide area communication medium. A mobile telephone connected to a terminal, a Code Division Multiple Access (CDMA) / Wide-CDMA (WCDMA) based mobile communication network, and a wired telephone connected to a telephone network including a public switched telephone network (PSTN) / intelligent network are connected to a voice call channel. The wide area communication medium accessing the IP communication network includes at least one wireless communication medium using the wireless AP (or wireless IP router), or at least one wired communication medium using a hub (or IP router) and a communication modem. It features.

In addition, the VoIP composite terminal 100 is a short-range wireless communication means of the packet-switching method, a short-range wireless communication means of the direct communication method, a short-range wired communication means of the packet switching method for connecting the short-range communication channel with the client terminal 105 It is characterized in that it comprises at least one short-range communication means comprising at least one of the short-range wired communication means, the optical communication means of the direct communication method.

The short-range wireless communication means of the packet-switched method connects the short-range wireless communication channel with the client terminal 105 through a short-range wireless communication medium of a packet switched method, and the short-range wireless communication medium of the packet switched method, A wireless AP (or wireless IP sharer) located at a short distance with the VoIP composite terminal 100 connects a short range communication channel through wireless, and the wireless AP (or wireless IP sharer) via the wireless AP (or wireless IP sharer). Or at least one device (or server) located at a short distance from a wireless IP sharer) to wirelessly connect a short range communication channel, wherein the short range wireless communication medium is Bluetooth (BlueTooth) compliant with the IEEE 802.11.x standard. Preferably, at least one of Wi-Fi, Ultra Wide Band system (UWB), and the like, the short-range wireless communication medium Acids is possible to replace it with another communication medium in accordance with the intentions of those of ordinary skill in the art (or more), and to which the present invention is not limited.

Alternatively, the short-range wired communication means of the direct communication method is characterized in that for connecting the short-range wired communication channel with the client terminal 105 through a short-range wired communication medium of the direct communication method, the short-range wired communication medium of the direct communication method Is a communication medium for directly connecting a short-range communication channel to the VoIP composite terminal 100 and a device (or server) located in a short distance through a wire. The short-range wired communication medium supports a USB (Universal Serial) that supports a direct communication method. Bus), RS-232c is preferably included at least one, and the short-range wired communication medium type can be replaced (or added) according to the intention of those skilled in the art, the present invention is not limited thereby.

Alternatively, the optical communication means connects the short distance optical communication channel with the client terminal 105 through an optical communication medium, and the optical communication medium is located near the VoIP composite terminal 100. (Or a server) and a communication medium that directly connects a short-range communication channel through optical communication in the infrared region, and includes at least an infrared communication complying with the Infrared Data Association (IrDA) standard and an infrared communication conforming to the IrFM (Infrared Finance Messaging) IrDA standard. It is preferable to include one or more, and the type of optical communication medium can be replaced (or added) with another communication medium according to the intention of the skilled person, and the present invention is not limited thereto.

The online card payment system constituting the online branch payment system using the VoIP composite terminal 100 is connected to the client terminal 105 through an IP communication network, and the user of the VoIP composite terminal 100 from at least one billing institution. EBPP server 110 to provide a billing and billing (Electronic Bill Presentment and Payment) service to the payer, including, and the payment agent server 115 to provide a payment module in the form of a plug-in to the EBPP server 110. And a van server 125 that receives the payment approval request information requested from the payment agency server 115 and provides the payment approval request information to the card company server 135, the van server 125 and the dedicated network. It is connected through, characterized in that made by including a card company server 135 to approve the card payment corresponding to the payment approval request information.

The online account transfer payment system constituting the online branch payment system using the VoIP composite terminal 100 is connected to the client terminal 105 through an IP communication network, and the VoIP composite terminal 100 is connected from at least one billing institution. An EBPP server 110 that provides an electronic bill presenting and payment service to a payer including a user, and a payment agent server that provides a payment module as a plug-in to the EBPP server 110 ( 115) and a banking company server for receiving the bank transfer request information requested from the payment agent server 115 and processing the bank transfer transaction corresponding to the bank transfer request information.

According to the present invention, the payment means selection module further comprises a user interface for selecting a VoIP payment means to process the online payment by the VoIP composite terminal 100, the VoIP payment means The payment means comprises a payment means for processing to pay the payment amount contained in the giro payment information using the card information read through the card reader provided in the VoIP composite terminal 100.

The payment module for each payment means may include at least one relay server (eg, van server 125), a communication network, and a payment server (eg, card company server 135) corresponding to the payment means selected by the payment means selection module. A module for processing a payment transaction in association with a financial institution server, a secure click payment module (or secure payment settlement module) for processing the card payment, or an account transfer payment module for processing the bank transfer payment; Or it may be made of at least one virtual account payment module for processing the virtual account payment.

According to the present invention, the payment module for each payment means is used to process the online payment by the VoIP composite terminal 100, when the VoIP payment means is selected in the payment means selection module, the VoIP terminal to the client terminal 105 A user interface for inputting a VoIP phone number assigned to the terminal 100, billing institution information, billing information, payer information, year / month (time), payer confirmation number, payer confirmation information The platform operation server 120 is provided with a user interface for inputting (or selecting) information, and the payment information including the VoIP telephone number input through the user interface and at least one branch information is provided through the communication network. And a VoIP payment module for transmitting to the router, and then corresponding to the payment information. Non-payment is preferably handled via the VoIP compound terminal 100 provided in the client system.

The VoIP system constituting the online branch payment system using the VoIP composite terminal 100 includes: a VoIP gateway 140 connected to the VoIP composite terminal 100 through an IP communication network, the VoIP composite terminal 100, or The mobile terminal includes subscriber information on a conventional VoIP terminal and includes at least one other VoIP terminal (eg, another VoIP terminal connected to an IP communication network, a mobile phone connected to a CDMA / WCDMA based mobile communication network, a PSTN / Intelligent network). And a gatekeeper 145 for connecting a voice call channel by performing a call processing procedure between wired telephones connected to a telephone network.

Those skilled in the art will be familiar with the message exchange protocol specification defined in the VoIP system, so a detailed description thereof will be omitted for convenience.

Further, the platform operation server 120 includes subscriber information including the VoIP composite terminal 100 shown in FIG. 2 among the VoIP subscribers subscribed to the VoIP system, the VoIP composite terminal 100 information, and the VoIP. It is characterized in that it comprises a platform operation D / B for linking and storing various key management information for the composite terminal (100).

Here, the subscriber information is unique information of the subscriber (e.g., subscriber name, resident registration number, address, e-mail address, contact information) of the VoIP subscribers who have subscribed to the VoIP system and having the VoIP composite terminal 100 shown in FIG. Etc.) is preferable.

In addition, the VoIP composite terminal 100 information, preferably comprises the terminal identification information contained in the VoIP composite terminal 100 provided to the subscriber, the VoIP composite terminal for managing the VoIP composite terminal 100 (100) It is preferable to further include the model information, communication medium information detected by the VoIP composite terminal 100, software version information, various application program download information, receipt / delivery / installation management information and the like.

In this case, the communication medium information detected by the VoIP composite terminal 100 may include wide area communication media information and at least one short-range communication medium information discovered by the VoIP composite terminal 100 shown in FIG. .

The key management information may include decryption key data for decrypting the encrypted giro payment request information when the giro payment request information is encrypted from the VoIP composite terminal 100. It is preferable to further include key generation information, key download / update management information, etc. for managing various key data provided to the VoIP composite terminal 100.

According to an embodiment of the present invention, the platform operation server 120 is connected to the platform operation D / B based on the terminal management unit (not shown) for managing the VoIP terminal 100, and based on the key management information And a key management unit (not shown) for managing various keys for the VoIP composite terminal 100. For convenience, the terminal management unit and the key management unit are provided in the platform operation server 120 shown in FIG. Will be omitted.

Referring to FIG. 23, the platform operation server 120 includes a VoIP phone number corresponding to the VoIP composite terminal 100 shown in FIG. 2 from the payment agency server 115 and the VoIP composite terminal 100. Giro payment information receiving unit 2300 (or Giro payment information receiving means) for receiving the giro payment information including the payment amount information to be paid through and at least one payment target geo information, and in conjunction with the platform operation D / B Validation unit 2320 (or validation means) for checking the validity of the VoIP telephone number included in the giro payment information, and a message generator for generating a card transaction message including the giro payment information when the validation 2325 (or message generating means) and a message transmitter 2340 (or message transfer) for processing the card transaction message to be transmitted to the VoIP composite terminal 100 through the gatekeeper 145. Provided with a means) it is characterized in that formed.

When the client terminal 105 accesses (or selects) at least one payment target map information by accessing the EBPP server 110 and pays the at least one payment input (or selected), the payment agent server ( 115 provides a payment method selection interface to the client terminal 105 through the EBPP server 110, the payment method selection interface is a selective payment (or financial transaction) in accordance with the communication medium identification shown in Figure 2 It is characterized in that it comprises a user interface for selecting the VoIP payment means using the VoIP composite terminal 100 with a Giro payment function.

When the VoIP payment method is selected through the payment method selection interface, the payment agent server 115 enters a VoIP phone number input interface for inputting a VoIP phone number to the client terminal 105 through the EBPP server 110. A VoIP phone number assigned to the VoIP composite terminal 100 having a giro payment function through selective payment (or financial transaction) according to the communication medium identification shown in FIG. 2 through the VoIP phone number input interface. If is input, the payment server 115 includes a VoIP phone number input through the VoIP phone number input interface, billing information, payer information input (or selected) through the client terminal 105 Generates giro payment information including at least one of year / month (times), payer identification number, payer identification information, and information including payment information and payment amount information. To the platform operation server 120, and correspondingly, the giro payment information receiving unit 2300 includes a giro payment including the VoIP phone number, the payment amount information, and at least one payment target geo information through the communication network. And receiving information.

In the case of processing the payment by branch according to an embodiment of the present invention, it is preferable that the payment amount information included in the payment information includes the charge amount information included in the payment target information.

In the case of processing integrated giro payment according to another embodiment of the present invention, it is preferable that the payment amount information included in the giro payment information includes the amount of the sum of the billing amount information included in the plurality of giro information.

According to an embodiment of the present invention, the giro information included in the giro payment information includes at least one of billing institution information, billing information, payer information, year / month (times), payer confirmation number, and payer confirmation information. It is preferable.

According to an embodiment of the present invention, the giro payment information may further include giro payment page URL information and giro payment path code information.

If the Giro payment information further includes the Giro payment page URL information, the client is connected to the Giro payment page URL via a short-range communication medium through the short path communication medium through the VoIP composite terminal 100 shown in FIG. It may be selected as a path via the terminal 105, whereby the present invention is not limited.

Alternatively, if the branch payment information further includes the branch payment path code information, the branch payment path through the VoIP composite terminal 100 shown in FIG. 2 may be selected as a path corresponding to the branch payment path code. The present invention is not limited thereby.

Those skilled in the art to which the present invention pertains will be able to infer various information configurations included in the giropayment information according to the intention of the person skilled in the art, in addition to the information constituting the giropayment information described above, It is characterized in that it comprises all the information configuration inferred.

According to another exemplary embodiment of the present invention, when the EBPP server 110 is a large shopping mall that may have a payment agent function, the payment agent server 115 may be omitted or the function of the payment agent server 115. The EBPP server 110 may be provided, and in this case, the branch payment information receivers 2315 and 2300 may transmit the VoIP phone number and the payment amount information and at least the information from the EBPP server 110 through the communication network. It is possible to receive giro payment information including one or more giro information to be paid, and the present invention is not limited thereto.

When the Giro payment information is received by the Giro payment information receiver 2315 and 2300, the validity confirming unit 2320 is applied to the VoIP composite terminal 100 information and the Giro payment information stored in the platform operation D / B The VoIP terminal corresponding to the VoIP telephone number included in the Giro payment information by comparing the included VoIP telephone number has a Giro payment function through selective payment (or financial transaction) according to the communication medium identification shown in FIG. It is characterized by checking whether the VoIP composite terminal (100).

If the result of the check is that the VoIP telephone number included in the giro payment information matches the VoIP composite terminal 100 shown in FIG. 2, the message generator 2325 according to the message exchange protocol provided in the VoIP system. And generating a card transaction message including the giro payment information.

According to an embodiment of the present invention, the message generator 2325 sets a path for receiving the giro payment request information generated by the VoIP composite terminal 100 in the giro payment information included in the card transaction message. It is preferable to further include path information, or to modify the preset path payment path information to a path configured to receive the path payment request information from the platform operation server 120.

The message transmitter 2340 transmits the generated card transaction message to the gatekeeper 145 through a communication network, thereby transmitting the card transaction message from the gatekeeper 145 through the VoIP gateway 140. Characterized in that the processing to transmit to the VoIP composite terminal 100 shown in 2.

Referring to FIG. 23, the platform operation server 120 may transmit the VoIP composite terminal 100 through an IP communication network through an IP communication network corresponding to the second communication medium of the VoIP composite terminal 100 shown in FIG. 2. And an interface unit 2305 (or interface means) for connecting the communication channel with the communication channel.

Alternatively, when the second communication medium of the VoIP compound terminal 100 shown in FIG. 2 includes a near field communication medium between the VoIP compound terminal 100 and a client terminal 105 located at a short distance, the interface unit ( 2305 is characterized in that for connecting the communication channel through the IP communication network and the client terminal 105 connected to the second communication medium and the short-range communication channel of the VoIP composite terminal 100.

Referring to FIG. 23, the platform operation server 120 receives the VoIP phone number, the payment amount information, and at least one payment target map information from the VoIP composite terminal 100 shown in FIG. 2 through an IP communication network. An information receiving unit 2315 (or an information receiving means) for receiving giro payment request information, including giro payment information including card information read through a card reader provided in the VoIP composite terminal 100; A validity checking unit 2320 (or validity checking means) for checking the validity of the received giro payment request information, and card information included in the giro payment request information that has been validated, the payment is made for the giro payment. An information confirmation unit 2330 (or information confirmation means) for confirming whether the card payment is processed or the bank transfer payment, and the giro payment is processed as the card payment. And, the payment amount information and at least one payment target information and card information included in the payment request information to the van server 125 so that the card payment is processed. When the payment is processed, the giro payment processing unit 2340 (or Giro) transmits the payment amount information included in the giro payment request information and at least one payment target Giro information and card information to a financial institution server so that payment transfer payment is processed. And a platform OTP, if the platform payment request information includes platform OTP, the platform OTP processing unit 2335 (2335) (or platform OTP processing means) for authenticating the platform OTP. It is characterized by further comprising.

According to an embodiment of the present invention, when the VoIP composite terminal 100 shown in FIG. 2 receives a card transaction message including the payment information, the payment processing process and the payment process illustrated in FIG. Giro payment information including the VoIP phone number, the payment amount information and at least one payment target map information through the transaction process shown in the above, and the card information read through the card reader provided in the VoIP composite terminal 100 Generates giro payment request information including and transmits it through the IP communication network, and correspondingly, the information receiving unit 2315 receives the telephone number and the payment amount information from the VoIP composite terminal 100 through the IP communication network. Giro payment information including at least one payment target Giro information, and the card information read through the card reader provided in the VoIP composite terminal 100 Characterized in that the receiving giro payment request information.

According to another exemplary embodiment of the present invention, the VoIP terminal 100 shown in FIG. 2 is selected through the payment process shown in FIG. 14 and the transaction process shown in FIG. Giro payment information including a VoIP phone number, the payment amount information and at least one payment target Giro information, and giro payment request information including card information read through a card reader provided in the VoIP composite terminal 100; It generates and transmits through the IP communication network, and correspondingly, the information receiving unit 2315 transmits the telephone number, the payment amount information and at least one payment destination map information from the VoIP composite terminal 100 through the IP communication network. Giro payment request information including, and the giro payment request information including the card information read through the card reader provided in the VoIP composite terminal 100 Subject is characterized in that.

According to another exemplary embodiment of the present invention, the VoIP composite terminal 100 shown in FIG. 2 includes the VoIP phone number, the payment amount information, and at least one payment target map information according to the selection of the second communication medium. Generating the giro payment request information including the giro payment information and the card information read through the card reader provided in the VoIP composite terminal 100 and the client terminal through a second communication medium including a short range communication medium. 105), and in this case, the client terminal 105 transmits the giro payment request information to the platform operation server 120 through the IP communication network or to the payment agency server 115. It is possible that the present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the VoIP composite terminal 100 may perform a function of a card reader connected to the client terminal 105 through a short range communication medium. In this case, the client terminal 105 may It is possible to process a payment using a conventional online card payment system or an online account transfer payment system based on the card information read through the VoIP composite terminal 100.

When the received giro payment request information is received through the information receiver 2315, when the received giro payment request information is encrypted, the validity confirming unit 2320 is connected to the platform operation D / B and transmits the encrypted giro payment. It is preferable to check the decryption key for the request information and to decrypt the branch payment request information through the decryption key.

In addition, the validity check unit 2320 compares the VoIP phone number included in the giro payment request information with the VoIP composite terminal 100 information provided in the platform operation D / B to compare the VoIP included in the giro payment request information It is preferable to check whether the VoIP terminal corresponding to the telephone number is a VoIP composite terminal 100 having a giro payment function through selective payment (or financial transaction) according to the communication medium identification shown in FIG.

When the platform OTP is included in the giro payment request information received through the information receiving unit 2315, the platform OTP processing unit 2335 generates a platform OTP to the client terminal 105 in association with the payment agency server 115. It characterized in that to provide a program, and then generated via the platform OTP generating program platform OTP output on the screen of the client terminal 105 is input through the VoIP composite terminal 100, the input platform OTP It is included in the branch payment request information, characterized in that it is received through the information receiving unit 2315.

Alternatively, when the platform payment request information received through the information receiving unit 2315 includes the platform OTP, the platform OTP processing unit 2335 generates a platform OTP to be provided to the client terminal 105 to the resubstitute server And output to the client terminal 105 in conjunction with the output, the platform OTP output on the screen of the client terminal 105 is input through the VoIP composite terminal 100, the input platform OTP It is included in the branch payment request information, characterized in that it is received through the information receiving unit 2315.

Alternatively, when the platform payment request information received through the information receiving unit 2315 includes the platform OTP, the platform OTP processing unit 2335 is connected to the payment agent server 115 on the screen of the client terminal 105. After outputting a platform OTP input interface, a platform OTP to be provided to the VoIP composite terminal 100 is generated and transmitted to the VoIP composite terminal 100 (for example, a VoIP composite terminal according to a message exchange protocol provided in a VoIP system). 100) or through the IP communication network to the VoIP composite terminal 100). Then, the platform OTP output to the VoIP composite terminal 100 is input through the client terminal 105. Characterized in that it is received by the platform operation server 120.

Or, if the platform OTP generation program is provided in the VoIP composite terminal 100 to include the platform OTP in the giro payment request information received through the information receiving unit 2315, the platform OTP generation program is generated. The platform OTP is input through the VoIP composite terminal 100, and the input platform OTP is included in the branch payment request information and received through the information receiver 2315.

Alternatively, when the platform OTP generating program is pre-installed in the VoIP composite terminal 100 to include the platform OTP in the giro payment request information received through the information receiving unit 2315, the platform OTP processing unit 2335 A platform OTP input interface is output on the screen of the client terminal 105 in association with the payment agent server 115, and the platform OTP generated through the platform OTP generating program is input through the client terminal 105. Characterized in that it is received by the platform operation server 120.

When the platform OTP is included in the branch payment request information according to an embodiment of the present invention, the platform OTP processing unit 2335 authenticates the platform OTP included in the branch payment request information, thereby providing the branch payment request information. It is characterized in that for checking the validity.

According to an embodiment of the present invention, when the platform OTP is received through a communication channel different from the branch payment request information, the platform OTP processing unit 2335 authenticates the received platform OTP, thereby providing the branch payment request information. It is characterized in that for checking the validity.

When the validity check unit 2320 (or the platform OTP processing unit 2335) confirms the validity of the received giro payment request information, the information verification unit 2330 reads card information included in the giro payment request information. It is characterized in that whether the payment for the giro payment is handled by the card payment or by bank transfer payment.

According to an embodiment of the present invention, when the card information includes credit card information, the information checking unit 2330 is characterized in that the payment for the giro payment to be processed as a card payment, in this case Preferably, the PG identification information included in the giro payment request information is used as the affiliate store information for the card payment, and according to the intention of the person skilled in the art, a separate payment for the card payment processing to the giro payment information included in the giro payment request information Merchant information may be included.

According to an embodiment of the present invention, when the card information includes check card information, cash card information, debit card information associated with a predetermined customer account, or includes account information, the information checking unit 2330 Characterized in that the payment for the payment to the giro payment is processed by the bank transfer payment (or CMS processing).

According to an exemplary embodiment of the present invention, when the payment settlement for the giro payment is performed by the information checking unit 2330, the giro payment processing unit 2340 is the payment amount information included in the giro payment request information. And by transmitting at least one or more payment target geographic information and card information to the van server 125, the card payment for the payment amount information in connection with the card company server 135 corresponding to the card information in the van server 125 Characterized in that to process.

According to another exemplary embodiment of the present invention, when the payment settlement for the giro payment is carried out by the information checker 2330, the giro payment processing unit 2340 is the payment amount information included in the giro payment request information. And transmitting at least one payment target giro information and card information to a financial institution server, so that the financial institution server processes the account transfer payment (or CMS processing) for the payment amount information.

Referring to FIG. 23, when the giro payment processing unit 2340 processes the card payment corresponding to the giro payment request information in association with the van server 125, the platform operation server 120 performs the card payment. The information payment unit 2310 (or information transmission means) for transmitting corresponding payment result information to the payment agency server 115 and the payment result in a message corresponding to the message exchange protocol included in the VoIP system. Including a message transmission unit 2340 (or message transmission means) for processing to be transmitted to the VoIP composite terminal (100).

The van server 125 processes the card payment corresponding to the giro payment request information in association with the card company server 135, and then returns the payment result to the platform operation server 120. The information transmitter 2310 transmits the payment result information to the payment agent server 115 through a communication network, and the payment result is to the EBPP server 110 and the client terminal 105. It is desirable to be transmitted.

In addition, if the payment result is returned from the van server 125, the message transmitter 2340 includes the payment result in a message corresponding to a message exchange protocol provided in the VoIP system through the communication network. By transmitting to the gatekeeper 145 on the VoIP system, the payment result is characterized in that the processing to be transmitted to the VoIP composite terminal (100).

24 is a process for providing Giro payment information to a VoIP composite terminal 100 through a first communication medium among a plurality of communication media connectable from the VoIP composite terminal 100 for online giro payment according to an embodiment of the present invention. Figure is a diagram.

In more detail, FIG. 24 illustrates a wide area communication medium that provides a VoIP-based voice call channel among a plurality of communication mediums including a wide area communication medium or a short range communication medium connectable to the VoIP composite terminal 100 shown in FIG. As the first communication medium of the VoIP composite terminal 100, and the process of providing the giro payment information for the online Giro payment to the VoIP composite terminal 100 according to the message exchange standard provided in the VoIP system. For those of ordinary skill in the art to which the present invention pertains, a first communication medium of a plurality of communication media connectable to the VoIP composite terminal 100 for the online branch payment by referring to and / or modifying the drawing 24 is shown. It will be able to infer various implementation methods for the process of providing Giro payment information to the VoIP composite terminal 100 through, but the present invention is inferred from all Is made, including a method, to which the technical feature that is not limited to the exemplary method shown in the figure 24.

For example, those skilled in the art to which the present invention pertains do not perform the process of providing giro payment information through the first communication medium shown in FIG. 24, and the process of giro payment shown in FIG. As described above, the VoIP composite terminal 100 may infer an implementation method of generating the giro payment request information by selecting a payment menu, and the present invention is characterized by including all the inferred implementation methods.

Hereinafter, in FIG. 24, the VoIP composite terminal 100 shown in FIG. 2 is referred to as "terminal" for convenience, and the platform operating server 120 shown in FIG. 23 is referred to as "server" for convenience.

Referring to FIG. 24, the client terminal 105 shown in FIG. 23 accesses the EBPP server 110 through an IP communication network, inputs (or selects) at least one payment target branch information (2400), and When requesting payment of the at least one inputted (or selected) giro information (2405), the payment server 115 that provides a payment module to the EBPP server 110 to the client terminal 105 In addition to the card payment means (e.g. credit card payment method, check card payment means), bank transfer payment means, virtual account payment means provides a payment means selection interface further comprising a VoIP payment means, and through the payment means selection interface It is checked whether the VoIP payment means is selected (2410).

If the VoIP payment means is not selected through the payment means selection interface (or other payment means other than the VoIP payment means) in the client terminal 105 (2415), the payment agent server 115 is A payment settlement corresponding to the selected payment means (eg, conventional card payment means (eg, credit card payment means, check card payment means, etc.), bank transfer payment means, virtual account payment means, etc.) is processed (2420).

Those skilled in the art to which the present invention pertains, the payment method through the card payment means (eg credit card payment means, check card payment means, etc.), bank transfer payment means, virtual account payment means Since it will be understood, a detailed description thereof will be omitted for convenience.

On the other hand, if the VoIP payment means is selected through the payment means selection interface (2415) in the client terminal 105, the payment server 115 is the client terminal 105 to the client terminal 105 and the near Located in FIG. 2, a VoIP phone number input interface for inputting a VoIP phone number corresponding to a terminal having a giro payment function through selective payment (or financial transaction) according to communication medium identification is provided in FIG. It is checked whether a VoIP telephone number corresponding to the terminal shown in FIG. 2 is input through the number input interface (2425).

If the VoIP phone number is input (2430), the payment server 115 includes a VoIP phone number input through the VoIP phone number input interface, the payment amount information and at least one payment target map information. Jiro payment information is transmitted to the server (2435).

If the branch payment page URL information is further included in the branch payment information, the path of the branch payment through the terminal illustrated in FIG. 2 is connected to the client terminal 105 connected to the branch payment page URL through a local area communication medium. It may be selected as a route via, and the present invention is not limited thereby.

Alternatively, when the branch payment path information is further included in the branch payment information, the branch payment path through the terminal illustrated in FIG. 2 may be selected as a path corresponding to the branch payment path code. The invention is not limited.

Thereafter, the server checks the validity of the VoIP phone number included in the giro payment information received from the payment agent server 115 (2440).

According to an embodiment of the present invention, the server compares the terminal information stored in the platform operation D / B and the VoIP phone number included in the giro payment information to correspond to the VoIP phone number included in the giro payment information It is preferable to check whether the terminal has a giro payment function through selective payment (or financial transaction) according to the communication medium identification shown in FIG.

If the VoIP phone number validity is not confirmed (2445), the server transmits the VoIP phone number error information to the payment server 115 (2450), and correspondingly the payment server 115 is the client The process of providing the payment method selection interface to the terminal 105 is repeated.

On the other hand, when the validity of the VoIP phone number is confirmed (2445), the server provides a VoIP-based voice call channel among a plurality of communication media including a wide-range communication medium or a short-range communication medium connectable to the terminal shown in FIG. Using a wide area communication medium as a first communication medium of the terminal, a card transaction message including the payment information is generated according to a message exchange standard provided in the VoIP system (2455).

According to an embodiment of the present invention, the server further includes a branch payment path information for setting a path for receiving the branch payment request information generated in the terminal in the branch payment information included in the card transaction message, It is preferable to modify the branch payment path information to a path configured to receive the branch payment request information from the platform operation server 120.

Thereafter, the server requests to transmit the card transaction message to the terminal through the gatekeeper 145 on the VoIP system shown in FIG. 23 (2460), and correspondingly, the gatekeeper 145 sends the VoIP message. The card transaction message is transmitted to the terminal through a first communication medium of the terminal including a wide area communication medium corresponding to an exchange protocol (2465).

Subsequently, the terminal receiving the card transaction message through the first communication medium inputs the payment information and the key provided in the terminal through the process of payment of giro illustrated in FIG. 15 and the transaction illustrated in FIG. 16. And generating payment request information including payment security information input through the means and card information read through the card reader provided in the terminal, and transmitting the information to the second communication medium selected by the terminal.

25A and 25B illustrate VoIP payment information through a first communication medium among a plurality of communication media that can be connected in the VoIP composite terminal 100 for on-line payment in accordance with another embodiment of the present invention. It is a diagram showing a process provided by.

In more detail, FIGS. 25A and 25B illustrate a client terminal shown in FIG. 23 of a plurality of communication media including a wide area communication medium or a short range communication medium connectable to the VoIP composite terminal 100 shown in FIG. 105) Giro payment information for on-line payment to the VoIP composite terminal 100 according to the local area communication standard using a short-range communication medium connecting the short-range communication channel as a first communication medium of the VoIP composite terminal 100; As a process for providing the present invention, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the drawings 25a and 25b connected in the VoIP composite terminal 100 for the online branch payment It is possible to infer various implementation methods for the process of providing Giro payment information to the VoIP composite terminal 100 through the first communication medium among a plurality of communication media possible. However, the present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation methods shown in FIGS. 25A and 25B.

For example, those skilled in the art to which the present invention pertains do not perform the process of providing the giro payment information through the first communication medium shown in FIGS. 25a and 25b, and the giro payment shown in FIG. As in the process, the VoIP composite terminal 100 may infer an implementation method of generating the giro payment request information by selecting a payment menu, and the present invention includes all the inferred implementation methods. do.

In the following Figures 25a and 25b, the VoIP composite terminal 100 shown in Figure 2 is referred to as "terminal" for convenience, and the platform operating server 120 shown in Figure 23 is referred to as "server" for convenience.

Referring to FIGS. 25A and 25B, the client terminal 105 illustrated in FIG. 23 accesses the EBPP server 110 through an IP communication network to input (or select) at least one payment target branch information (2500). In response to requesting payment of at least one of the inputted (or selected) giro information (2505), the payment agent server 115 providing the payment module to the EBPP server 110 is the client terminal 105 In addition to the conventional card payment means (e.g., credit card payment means, check card payment means, etc.), bank transfer payment means, virtual account payment means in addition to a payment means selection interface further comprises a payment means selection interface, the payment means selection interface In operation 2510, it is checked whether the VoIP payment means is selected.

If the VoIP payment means is not selected through the payment means selection interface (or other payment means other than the VoIP payment means) in the client terminal 105 (2515), the payment agent server 115 is the A payment settlement corresponding to the selected payment means (eg, conventional card payment means (eg, credit card payment means, check card payment means, etc.), bank transfer payment means, virtual account payment means, etc.) is processed (2520).

On the other hand, if the VoIP payment means is selected through the payment means selection interface (2515) in the client terminal 105 (2515), the payment server 115 is the client terminal 105 to the client terminal 105 and the near Located in FIG. 2, a VoIP phone number input interface for inputting a VoIP phone number corresponding to a terminal having a giro payment function through selective payment (or financial transaction) according to communication medium identification is provided in FIG. It is checked whether a VoIP telephone number corresponding to the terminal shown in FIG. 2 is input through the number input interface (2525).

If the VoIP phone number is input (2530), the payment agent server 115 transmits the VoIP phone number input through the VoIP phone number input interface to the server (2535).

Thereafter, the server checks the validity of the VoIP phone number included in the giro payment information received from the payment agent server 115 (2540).

If the VoIP telephone number validity is not confirmed (2545), the server transmits the VoIP telephone number error information to the payment server 115 (2550), and correspondingly the payment server 115 is the client The process of providing the payment method selection interface to the terminal 105 is repeated.

On the other hand, if the validity of the VoIP phone number is confirmed (2545), the server checks the short-range communication medium information discovered in (or connectable to the terminal) in connection with the platform operating D / B (2555).

According to the exemplary embodiment of the present invention, the short range communication medium discovered by the terminal may include a short range wireless communication medium of a packet switched method, a short range wireless communication medium of a direct communication method, a short distance wireless communication medium of a packet switching method, and a short distance wire communication of a direct communication method. Preferably, at least one communication medium and optical communication medium are included.

Here, the packet-switched short range wireless communication medium connects a short distance communication channel with a wireless access point (or wireless IP sharer) located at a short distance with the client terminal 105, and the wireless AP. (Or a wireless IP router) is a communication medium for wirelessly connecting a short-range communication channel to the wireless AP (or wireless IP router) and at least one device (or server) located at a short distance by wireless. Preferably, at least one of Bluetooth, Wi-Fi, and Ultra Wide Band system (UWB) conforming to the IEEE 802.11.x standard is included. It is possible to substitute (or add) another communication medium, and the present invention is not limited thereto.

Alternatively, the short range wireless communication medium of the direct communication method is a communication medium for directly connecting a short range communication channel through a wireless connection of a device (or server) located in the short distance with the client terminal 105, the short range wireless communication medium is It is preferable to include at least one or more RF (Radio Frequency) communication, Bluetooth, Wi-Fi, UWB to support a direct communication method, the short-range wireless communication medium type is replaced (or added) to another communication medium according to the intention of those skilled in the art The present invention is not limited thereto.

Alternatively, the packet-switched short-range wired communication medium connects the short-range communication channel with a hub (or IP sharer, communication modem) located at a short distance with the client terminal 105, and connects the short-range communication channel to the hub (or IP sharer). And a communication medium connecting a hub (or an IP router, a communication modem) and a device (or server) located in a short distance to a short distance communication channel through a wire. The short range wireless communication medium may be a NetBIOS standard, It is preferable to include at least one or more of the IPX / SPX standard, TCP / IP (Transmission Control Protocol / Internet Protocol) standard, the short-range wired communication medium type is to replace (or add) another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Alternatively, the short-range wired communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel through a wire to a device (or server) located in the near-field with the client terminal 105, wherein the short-range wired communication medium is It is preferable to include at least one USB (Universal Serial Bus) and RS-232c that supports a direct communication method, and the short-range wired communication medium may be replaced (or added) with another one according to the intention of the skilled person. The present invention is not limited thereby.

Alternatively, the optical communication medium is a communication medium for directly connecting a short distance communication channel with the client terminal 105 and a device (or server) located in the near field through optical communication in an infrared region, and an IrDA (Infrared Data Association) standard. Infrared communication in accordance with the above, IrDA (Infrared Finance Messaging) of IrFM (Infrared Communication Messaging) is preferably made to include at least one or more, the optical communication medium type is to replace (or add) to another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Thereafter, the server selects (or recommends) any one short-range communication medium information among the plurality of short-range communication medium information found in the terminal and transmits it to the payment agent server 115 (2560).

Thereafter, the payment server 115 checks whether the short-range communication module corresponding to the short-range communication medium information is mounted in the client terminal 105 (2565), and if the short-range communication module is in the client terminal 105 If it is not mounted (2570), the payment agent server 115 provides and mounts a short-range communication module corresponding to the short-range communication medium information to the client terminal 105 (2575).

According to another exemplary embodiment of the present invention, when the server checks the giro payment page URL information of the client terminal 105, the short range communication module is connected to the client terminal 105 through the giro payment page URL at the server. If the short-range communication module is not mounted, the short-range communication module corresponding to the short-range communication medium information may be provided to the client terminal 105, and the present invention is not limited thereto.

Thereafter, the client terminal 105 connects the local area communication channel (eg, a local area communication channel corresponding to the first communication medium of the terminal) through the local area communication module based on the VoIP phone number (2580). ).

If the client terminal 105 and the short-range communication channel (eg, a short-range communication channel corresponding to the first communication medium of the terminal) are connected (2585), the payment agent server 115 and the payment amount information Giro payment information including at least one payment target geo information is transmitted to the client terminal 105 (2590), and correspondingly, the client terminal 105 corresponds to the short range communication corresponding to the first communication medium of the terminal. The card transaction message including the payment information is transmitted to the terminal through a channel (2595).

In the case of processing the payment by branch according to an embodiment of the present invention, it is preferable that the payment amount information included in the branch payment information includes the billing amount information included in the payment target branch information.

26A and 26B are diagrams of a branch information using a branch payment request information transmitted through a second communication medium among a plurality of communication media connectable in the VoIP composite terminal 100 for an online branch payment according to an embodiment of the present invention. It is a figure which shows the process of payment process.

In more detail, FIGS. 26A and 26B illustrate the VoIP composite terminal through the first communication medium of the VoIP composite terminal 100 shown in FIG. 2 through the process of providing the branch payment information shown in FIG. 24 or FIG. 25. Wide area communication for providing a data communication channel among a plurality of communication media including a wide area communication medium or a short distance communication medium connectable to the VoIP composite terminal 100 shown in FIG. When using the medium as the second communication medium of the VoIP composite terminal 100, the giro payment request information generated through the giro payment process shown in FIG. 15 and the transaction process shown in FIG. 16 is transmitted. As a process for processing a payment corresponding to the giro payment request information in the platform operation server 120 shown in the, the general knowledge in the technical field to which the present invention belongs In accordance with the present invention, a payment request information transmitted through a second communication medium among a plurality of communication media connectable to the VoIP terminal 100 for the online payment by referring to and / or modifying the drawings 26a and 26b is used. It will be possible to infer various implementation methods for the process of processing the payment to the giro, but the present invention includes all the implementation methods inferred, the technical features of only the implementation method shown in Figure 26a and 26b It is not limited.

For example, one of ordinary skill in the art to which the present invention pertains may be created by referring to and / or modifying the drawings 26a and 26b through the process of paying giro illustrated in FIG. 14 and the transaction illustrated in FIG. It will be possible to infer an implementation method of receiving the payment of the giro payment request and processing the giro payment, the present invention is characterized in that it comprises all the inferable implementation method.

In the following Figures 26a and 26b, the VoIP composite terminal 100 shown in Figure 2 is referred to as "terminal" for convenience, and the platform operating server 120 shown in Figure 23 is referred to as "server" for convenience.

26A and 26B, after the branch payment information is provided to the terminal through the first communication medium of the terminal illustrated in FIG. 2 through the process of providing branch payment information shown in FIG. 24 or 25, A wide area communication medium connectable to the terminal shown in FIG. 2 or a wide area communication medium providing a data communication channel among a plurality of communication media including a short range communication medium is used as the second communication medium of the terminal. When transmitting the payment information, which is generated through the illustrated payment process and the transaction process illustrated in FIG. 16 (2600), the server is transmitted through the second communication medium of the terminal and received by the server. The validity of the request information is checked (2605).

According to an embodiment of the present invention, when the giro payment request information received through the second communication medium is encrypted, the server checks the decryption key for the encrypted giro payment request information in association with the platform operation D / B. Preferably, the branch payment request information is decrypted through the decryption key.

Further, the server compares the VoIP phone number included in the giro payment request information with the VoIP composite terminal 100 information provided in the platform operation D / B, and corresponds to the VoIP phone number included in the giro payment request information. It is preferable to check whether the VoIP terminal is a VoIP terminal 100 having a giro payment function through selective payment (or financial transaction) according to the communication medium identification shown in FIG.

If the validity of the received Giro payment request information is not confirmed (2610), the server generates Giro payment request information error information and transmits it to the payment agency server 115 (2615), the VoIP message exchange specification In operation 2620, the message including the payment request information error is generated and the message including the payment request error is transmitted to the terminal according to the VoIP message exchange protocol in association with the gatekeeper 145 on the VoIP system. (2625)

On the other hand, if the validity of the received giro payment request information is confirmed (2610), the server checks whether the platform OTP is included in the giro payment request information (2630).

According to another exemplary embodiment of the present invention, the server may check whether a platform OTP corresponding to the branch payment request information is received from the client terminal 105 in addition to the second communication medium of the terminal and received through the IP communication network. The present invention is not limited thereto.

If the platform payment request information includes the platform OTP (2635), the server checks the validity of the platform OTP (2640).

If the validity of the platform OTP is not confirmed (2645), the server generates a giro payment request information error information and transmits it to the payment agency server 115 (2615), and according to the VoIP message exchange specification A message including a payment request information error is generated (2620), and the message including the payment request error is transmitted to the terminal according to the VoIP message exchange protocol in connection with the gatekeeper 145 on the VoIP system (2625). .

On the other hand, if the validity of the platform OTP is confirmed (2645), or if the platform payment request information does not include the platform OTP (2635), the server reads the card information included in the payment request information to the Jiro Check the payment method for payment (2650).

According to the method of the present invention, the server preferably reads the card information included in the giro payment request information and checks whether the payment for the giro payment is processed by card or by wire transfer payment.

According to an embodiment of the present invention, when the card information includes credit card information, the server may be configured to check that the payment for the giro payment is processed as a card payment, in which case the giro payment request information. PG identification information included in the card is preferably used as the merchant information for the card payment, according to the intention of the person skilled in the art includes the separate merchant information for the card payment processing in the giro payment information included in the payment request information. It may be.

According to an exemplary embodiment of the present invention, when the card information includes check card information, cash card information, debit card information associated with a predetermined customer account, or includes account information, the server is configured for payment of the giro. Characterized in that the payment is to be processed by wire transfer payment (or CMS processing).

If the check result of the giro payment payment method is confirmed as a bank transfer payment (2655), the server transmits the giro payment information and card information included in the giro payment request information to the financial company server shown in Figure 23 ( In response, the finance company server transfers the payment amount through the giro payment information and the card information (2665), and transmits the account transfer result to the server (2670).

On the other hand, if it is confirmed that the payment method for giro payment is card payment (2655), the server transmits the giro payment information and card information to the van server 125 shown in FIG. 23 in the giro payment request information (2675). In response thereto, the van server 125 checks the card company corresponding to the card information, and then transmits the branch payment information and the card information to the checked card company server 135 (2680).

Thereafter, the van server 125 receives the card payment result through the branch payment information and the card information from the card company server 135 and transmits the result to the server (2685).

Thereafter, the server transmits the giro payment result information including one of the card settlement result or the account transfer result to the payment agency server 115 (2690), and the giro payment result according to the VoIP message exchange standard. A message including a message is generated (2695), and in connection with the gatekeeper 145 on the VoIP system, a message including the payment result is sent to the terminal according to a VoIP message exchange protocol (2699).

27A and 27B are diagrams of giro payment request information transmitted through a second communication medium among a plurality of communication media connectable in the VoIP composite terminal 100 for online giro payment according to another embodiment of the present invention. It is a figure which shows the process of payment process.

In more detail, FIGS. 27A and 27B illustrate the VoIP composite terminal (1) through the first communication medium of the VoIP composite terminal 100 shown in FIG. 2 through the process of providing the branch payment information shown in FIG. 24 or FIG. After the payment information to Giro 100 is provided, a client terminal shown in FIG. 23 of a plurality of communication media including a wide area communication medium or a short range communication medium connectable to the VoIP composite terminal 100 shown in FIG. The branch payment request generated through the branch payment process shown in FIG. 15 and the transaction process shown in FIG. 16 using a short range communication medium connected to the 105 as the second communication medium of the VoIP composite terminal 100. When the information is transmitted, the platform operation server 120 shown in FIG. 23 relates to a process of processing a payment corresponding to the giro payment request information. Those skilled in the art may refer to and / or modify the drawings 27a and 27b and transmit the data through a second communication medium among a plurality of communication media connectable to the VoIP composite terminal 100 for the online branch payment. It will be possible to infer various implementation methods for the process of processing the giro payment by using the giro payment request information, but the present invention comprises all the implementation methods inferred, shown in Figures 27a and 27b The technical features are not limited only by the implementation method.

For example, those skilled in the art may refer to and / or modify the drawings 27a and 27b to generate the process through the payment process illustrated in FIG. 14 and the transaction process illustrated in FIG. 16. It will be possible to infer an implementation method of receiving the payment of the giro payment request and processing the giro payment, the present invention is characterized in that it comprises all the inferable implementation method.

In the following Figures 27a and 27b, the VoIP composite terminal 100 shown in Figure 2 is referred to as "terminal" for convenience, and the platform operating server 120 shown in Figure 23 is referred to as "server" for convenience.

27A and 27B, after the branch payment information is provided to the terminal through the first communication medium of the terminal illustrated in FIG. 2 through the process of providing the branch payment information shown in FIG. 24 or 25, The second communication of the terminal includes a short range communication medium connected to the client terminal 105 shown in FIG. 23 of a plurality of communication media including a wide area communication medium or a short range communication medium connectable to the terminal shown in FIG. When using the medium to transmit the giro payment request information generated through the process of payment process illustrated in Figure 15 and the transaction shown in Figure 16 (2700), a short-range communication channel through the terminal and the second communication medium The connected client terminal 105 receives the branch payment request information and transmits the number to the server through an IP communication network to which the client terminal 105 is connected. New payment information is transmitted (2705).

Thereafter, the server is transmitted to the client terminal 105 through the second communication medium of the terminal, and then confirms the validity of the giro payment request information received by the server through the IP communication network to which the client terminal 105 is connected. (2710)

If the validity of the received Giro payment request information is not confirmed (2715), the server generates the Giro payment request information error information and transmits it to the payment agency server 115 (2720), the VoIP message exchange specification Generate a message including the payment request information error according to the request (2725), and transmit the message including the payment request error to the terminal according to a VoIP message exchange protocol in association with the gatekeeper 145 on the VoIP system. (2730).

On the other hand, if the validity of the received giro payment request information is confirmed (2715), the server checks whether the platform OTP is included in the giro payment request information (2735).

If the platform payment request information includes the platform OTP (2740), the server checks the validity of the platform OTP (2745).

If the validity of the platform OTP is not confirmed (2750), the server generates a payment request information error information and transmits it to the payment agent server 115 (2720), and the Jiro according to the VoIP message exchange standard. A message including a payment request information error is generated (2725), and the message including the payment request error is transmitted to the terminal according to a VoIP message exchange protocol in connection with the gatekeeper 145 on the VoIP system (2730). ).

On the other hand, if the validity of the platform OTP is confirmed (2750) or if the platform payment request information does not include the platform OTP (2740), the server reads the card information included in the payment request information to the Jiro Check the payment method for payment (2755).

According to an exemplary embodiment of the present invention, when the card information includes check card information, cash card information, debit card information associated with a predetermined customer account, or includes account information, the server may send the giro payment. It is characterized in that for confirming that the payment for payment is processed by wire transfer payment (or CMS processing).

If it is confirmed that the payment method of the giro payment is confirmed as a wire transfer payment (2760), the server transmits the giro payment information and the card information included in the giro payment request information to the financial company server shown in Figure 23 ( 2765), the financial institution server transfers the payment amount through the giro payment information and the card information (2770), and transmits the transfer result to the server (2775).

On the other hand, if it is confirmed that the payment method for giro payment is card payment (2760), the server transmits the giro payment information and card information to the van server 125 shown in FIG. 23 in the giro payment request information (2780). In response, the van server 125 checks the card company corresponding to the card information, and then transmits the branch payment information and the card information to the confirmed card company server 135 (2785).

Thereafter, the van server 125 receives the card payment result through the giro payment information and the card information from the card company server 135 and transmits the result to the server (2790).

Thereafter, the server transmits the giro payment result information including any of the card settlement result or the account transfer result to the payment agency server 115 (2792), and the giro payment result according to the VoIP message exchange standard. A message including a message is generated (2794), and in connection with the gatekeeper 145 on the VoIP system, a message including the result of the payment by Giro is transmitted to the terminal according to a VoIP message exchange protocol (2796).

According to the present invention, a plurality of communication media provided in each home (or store or office) are automatically detected by a VoIP terminal providing voice call service, data communication and multimedia service at the same time through an IP-based communication network. By providing a function of automatically selecting a communication medium that can most conveniently and stably use online payment (or non-face-to-face payment) or online financial transaction (or non-face-to-face financial transaction) among the detected communication media, Or non-face-to-face) there is an advantage to solve the inconvenience of information input and information leakage of payment (or financial transactions).

According to the present invention, a plurality of communication media provided in each home (or store or office) are automatically detected by a VoIP terminal providing voice call service, data communication and multimedia service at the same time through an IP-based communication network. A function of automatically selecting an optimal communication medium interworking with a client terminal provided in the home (or a store or an office) among the detected communication media is provided so that the client terminal does not have a separate device. There is an advantage of providing a Jiro payment service through the online (or non-face-to-face) payment settlement (or financial transaction) through a VoIP terminal.

According to the present invention, when payment is made through the online (or non-face-to-face) payment settlement (or financial transaction) in the VoIP composite terminal, when the VoIP composite terminal does not have a high performance arithmetic function (for example, a cryptographic arithmetic function). In addition, there is an advantage that the second communication medium of the VoIP composite terminal is processed through a client terminal having a high performance computing function located at a short distance of the VoIP composite terminal.

Claims

In the online branch payment method through a VoIP terminal having a card reader and connectable to a plurality of communication media,

Receiving Giro payment information including a VoIP phone number corresponding to the VoIP terminal, payment amount information, and payment target Giro information from an Electronic Bill Presentment and Payment (EBPP) server on a communication network;

Transmitting the branch payment information to the VoIP terminal through a first communication medium among a plurality of communication media connectable from the VoIP terminal;

The VoIP terminal reads the card information from the customer card through the card reader, and generates the branch payment request information including the read card information and the branch payment information, and among the plurality of communication media connectable to the VoIP terminal. Receiving the branch payment request information through a communication network including the second communication medium when transmitting through a communication medium;

Confirming the giro payment settlement method by reading card information included in the giro payment request information; And

If the giro payment payment method is confirmed as the card payment, the giro payment information and the card information included in the giro payment request information to the van (VAN) server to process the card payment, and the confirmation result If the payment settlement method is confirmed as a wire transfer payment, transmitting the giro payment information and card information included in the giro payment request information to the financial institution server to process the account transfer payment; VoIP characterized in that it comprises a Online giro payment method through the terminal.

The method of claim 1,

And connecting a communication channel with the VoIP terminal through a second communication medium among a plurality of communication media connectable to the VoIP terminal.

The method of claim 1,

And confirming the validity of the giro payment request information through the VoIP telephone number included in the giro payment request information.

The method of claim 1, wherein the checking of the giro payment settlement method by reading card information included in the giro payment request information comprises:

If the credit card information is included in the card information, the giro payment payment method is confirmed by the card payment,

When the card information includes check card information, cash card information, debit card information, or account information, the online giro payment method through the VoIP terminal, characterized in that for confirming the giro payment payment method by bank transfer payment. .

A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

In the online branch payment system through a VoIP terminal having a card reader and connectable to a plurality of communication media,

A branch payment information receiving means for receiving branch payment information including a VoIP phone number corresponding to the VoIP terminal, payment amount information, and payment target branch information from an EBPP (Electronic Bill Presentment and Payment) server on a communication network;

Message transmitting means for transmitting the branch payment information to the VoIP terminal using a wide area communication medium including a VoIP voice call-based message exchange standard among a plurality of communication mediums connectable to the VoIP terminal as a first communication medium;

The VoIP terminal reads the card information from the customer card through the card reader, and generates the branch payment request information including the read card information and the branch payment information, and among the plurality of communication media connectable to the VoIP terminal. Information receiving means for receiving the branch payment request information through a communication network including the second communication medium when transmitting through a second communication medium;

Information checking means for reading card information included in the giro payment request information and confirming the giro payment payment method; And

If the giro payment payment method is confirmed as the card payment, the giro payment information and the card information included in the giro payment request information to the van (VAN) server to process the card payment, and the confirmation result If the payment method of payment is confirmed as a bank transfer payment, the branch payment processing means for transmitting the payment information and the card information included in the payment request information to the financial institution server to the bank transfer payment processing; characterized in that it comprises a; Online Giro payment system through the VoIP terminal.

Interface means for connecting a communication channel with the VoIP terminal through a second communication medium in addition to the first communication medium connected before the on-line branch payment processing of the plurality of communication media connectable to the VoIP terminal;

When the VoIP terminal reads card information from the customer card through the card reader, and generates giro payment request information including the read card information and the giro payment information and transmits it through the second communication medium, Information receiving means for receiving the branch payment request information through a communication network including a communication medium;

The method of claim 6 to 7, wherein the second communication medium,

A wide area communication medium including a data communication-based IP communication network connectable to the VoIP terminal, or

A short-range wireless communication medium of a packet-switching method for communicating with a client terminal located at a short distance of the VoIP terminal through a wireless communication repeater located at a short distance of the VoIP terminal, or

A near field wired communication medium of a packet-switching method for communicating with a client terminal located near the VoIP terminal through a wired communication repeater located near the VoIP terminal, or

A short range wireless communication medium of a direct communication method for connecting a short distance wireless communication with a client terminal located at a short distance of the VoIP terminal, or

A short distance wired communication medium of a direct communication method for connecting a short distance wired communication with a client terminal located near the VoIP terminal, or

On-line Giro payment system through the VoIP terminal, characterized in that it comprises at least one or more optical communication medium for connecting the optical communication with the client terminal located in the local area of the VoIP terminal.