KR20090051291A

KR20090051291A - System and method for providing incentive and recording medium

Info

Publication number: KR20090051291A
Application number: KR1020070117607A
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 system for providing an incentive and a recording medium therefor. The method for providing an incentive according to the present invention includes receiving card payment history information from an online card payment system at a server or transferring payment from an online bank transfer payment system. Receiving history information, calculating an incentive corresponding to the received card payment history information (or transfer payment history information) at a server, and a server providing a VoIP service with the calculated incentive information at a server (or Transmitting to the target VoIP terminal to provide the incentive.

Incentive, Online Card Payment, Online Transfer Payment

Description

System and Method for Providing Incentive and Recording Medium}

1 is a diagram illustrating an incentive providing system configuration according to an online account transfer payment (or card payment) using a VoIP complex terminal according to an embodiment of the present invention.

2 is a diagram illustrating a functional configuration of a VoIP composite terminal 110 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 flowchart illustrating an operation of the VoIP composite terminal 110 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 / booking 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 of a VoIP composite terminal for branch payment processing through selective payment (or financial transaction) according to a 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 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 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 composite terminal through a first communication medium among a plurality of communication media connectable to the VoIP composite 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.

FIG. 28 is a diagram illustrating the configuration of an online account transfer 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. 29 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 on-line account transfer payment according to an embodiment of the present invention.

30A and 30B illustrate a process of providing payment information to a VoIP composite terminal through a first communication medium among a plurality of communication media connectable to the VoIP composite terminal for online account transfer payment according to another embodiment of the present invention. One drawing.

31 is a flowchart illustrating a payment processing process using financial transaction request information transmitted through a second communication medium among a plurality of communication media that can be connected in a VoIP complex terminal for online account transfer payment according to an embodiment of the present invention. One drawing.

32 is a flowchart illustrating a payment processing process using financial transaction request information transmitted through a second communication medium among a plurality of communication media connectable in a VoIP complex terminal for online account transfer payment according to another embodiment of the present invention. Figure is shown.

33 is a diagram showing the configuration of an incentive providing system that provides incentives using payment details according to the use of online bank transfer payment and online card payment service according to an embodiment of the present invention.

34 is a diagram illustrating an incentive providing process according to an online card payment in an incentive providing system for providing an incentive using payment history according to the online bank transfer payment and the online card payment service according to an embodiment of the present invention.

35 is a diagram illustrating an incentive providing process according to an online account transfer payment in an incentive providing system for providing an incentive using payment details according to an online bank transfer payment and an online card payment service according to an embodiment of the present invention.

100: corporate web server 105: shopping mall web server

110: news web server 115: portal web server

120: blog web server 125: community web server

130: keyword collection server 135: data collection server

140: public opinion chart providing server 145: client terminal

The present invention comprises the steps of receiving the card payment history information from the online card payment system at the server or the transfer payment history information from the online bank transfer payment system, and the received card payment history information (or transfer payment history information) at the server Calculating an incentive corresponding to a) and transmitting the calculated incentive information from a server to a server (or a target VoIP terminal to which the incentive is to be provided) providing a VoIP service.

Various payment methods introduced due to the development of modern society have made people's lives convenient, and various consumption activities are used by them.

Among them, various methods have been attempted to provide differentiated services from various existing payment methods in performing card payment or bank transfer payment services using a VoIP complex terminal. However, due to too diverse and difficult problems, they are not easily applied. I can't.

An object of the present invention for solving the above problems, means for receiving the card payment history information from the online card payment system at the server, or the transfer payment history information from the online bank transfer payment system, and the received card at the server Means for calculating an incentive corresponding to payment history information (or transfer payment history information), and means for transmitting the calculated incentive information from a server to a server (or target VoIP terminal to provide incentives) for providing a VoIP service. In providing an incentive providing system.

Incentive providing method according to the invention, the step of receiving the card payment history information from the online card payment system at the server, or the transfer payment history information from the online bank transfer payment system, and the received card payment history at the server Calculating an incentive corresponding to the information (or transfer payment history information); and transmitting the calculated incentive information from the server to a server (or a target VoIP terminal to which the incentive is provided) providing a VoIP service. It is characterized by.

Incentive provision method according to the invention, characterized in that further comprises the step of confirming the incentive provision conditions for the received card payment history information.

In the incentive providing method according to the present invention, the incentive providing condition is characterized in that the number of payments (or financial transactions) or the amount of payments (or financial transactions).

In the method for providing an incentive according to the present invention, the incentive is characterized in that the communication fee using a VoIP service is discounted in proportion to the number of payments (or financial transactions) or a free call coupon.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-described incentive providing method.

On the other hand, the incentive providing system according to the present invention, means for receiving card payment history information from the online card payment system at the server, or transfer payment history information from the online bank transfer payment system, and the received card payment at the server Means for calculating an incentive corresponding to the historical information (or transfer payment history information), and means for transmitting the calculated incentive information from a server to a server (or a target VoIP terminal to which the incentive is provided). It is characterized by.

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 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 the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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 incentive providing system according to an online account transfer payment (or card payment) using a VoIP complex terminal according to an 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 card payment using VoIP composite terminal (110) 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, an incentive providing system according to the online account transfer payment (or card payment) using the VoIP composite terminal 110 by referring to and / or modifying the drawing 1 may be used. Although various embodiments of the present invention may be inferred, the present invention is directed to all embodiments inferred. It is made, including the law, the technical features are not limited only to the implementation method shown in FIG.

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

The client system constituting the incentive providing system according to the online account transfer payment (or card payment) using the VoIP composite terminal 110, an IP communication network through a wide area communication medium including at least one wireless communication medium and a wired communication medium; A short-range wireless communication means of a packet switched method, a short-range wireless communication means of a direct communication method, a short-range wireless communication means of a packet switching method, a short-range wireless communication means of a direct communication method, and a short distance including at least one optical communication means. It provides a voice call function by connecting to a VoIP server on an IP communication network through a client terminal 105 having a communication means and a wide area communication medium including at least one of a wireless communication medium and a wired communication medium. Wireless communication means, near field communication means of direct communication method, packet switched method VoIP composite terminal 110 having a near field communication means, a near field communication means of a direct communication method, and a near field communication means including at least one optical communication means, and the client terminal 105 and the VoIP complex terminal 110. Provides a short-range wireless communication medium of a packet-switched method, and connects the client terminal 105 and the VoIP composite terminal 110 to an IP communication network, or a wireless AP (or wireless IP router) or the client terminal 105 and VoIP. At least one hub (or IP router) for providing a packet-switched short-range wired communication medium between the composite terminals 110 and a communication modem connecting the client terminal 105 and the VoIP composite terminal 110 to an IP communication network. It is characterized by including the above.

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 the exemplary embodiment of the present invention, the client terminal 105 preferably includes a browser program for accessing the shopping mall server 115 to visit an online store 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 110 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 110 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 110 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 110 and the short-range wired communication channel via 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 in that for connecting the VoIP composite terminal 110 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) 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 110 and the short-range optical communication channel through the 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, 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 VoIP composite terminal 110 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 110 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 a packet switched method, and the short-range wireless communication medium of the packet switched method, A local wireless communication channel is connected to the VoIP composite terminal 110 and a wireless access point (or wireless IP sharer) located at a short distance through the wireless AP, and the wireless AP is connected to 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 to the VoIP composite terminal 110 and a device (or server) located in a short distance through a wireless network, wherein the short-range wireless communication medium supports a direct communication method (RF). 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 110 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 through a wire to the VoIP composite terminal 110 and a device (or server) located in a short distance, 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) 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 110. (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 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 110, and the hub (or IP). Router) and the communication modem is characterized in that to provide a packet-switched short-range wired communication medium, or a wired communication medium to the client terminal 105 and the VoIP composite terminal 110, it is common 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 incentive providing system according to the online bank transfer payment (or card payment) using the VoIP composite terminal 110 is connected to the client terminal 105 through an IP communication network, and the client terminal A shopping mall server 115 that provides an online store at 105 and sells goods (or services) provided at the online store, and a payment agent server providing a payment module as a plug-in to the shopping mall server 115. And a van server 130 for receiving payment approval request information requested from the payment agent server 120 and providing the payment approval request information to a card company server 135, and the van server 130. And is connected via a dedicated network, characterized in that the card company server 135 for approving the card payment corresponding to the payment approval request information is made.

The shopping mall server 115 is connected to the client terminal 105 through an IP communication network, provides a web store to the client terminal 105, and a web server for selling goods (or services) provided in the online store. As a generic term, those of ordinary skill in the art will be familiar with the technical features of the shopping mall server 115, and a detailed description thereof will be omitted for convenience.

The payment agent server 120 is a payment gateway (PG) that is connected to the shopping mall server 115 through a communication network to provide a payment module in the form of a plug-in to the shopping mall server 115, wherein 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.

Here, the shopping cart module receives product information (for example, a product name, a product sales amount, etc.) purchased and selected from the client terminal 105 from the shopping mall server 115, stores the information in a database, and stores at least one product stored in the database. It is preferable to include a module for calculating the payment amount for the information.

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 incentives provided by the online wire transfer payment (or card payment) using the VoIP composite terminal 110. Characterized in that, the VoIP payment means comprises a payment means for processing the payment payment using the card information read through the card reader provided in the VoIP composite terminal 110.

The payment module for each payment means may include at least one relay server (eg, van server 130), 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 125), the secure click payment module (or secure payment settlement module) for processing the card payment, or the account transfer for processing the bank 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 method is selected in the payment method selection module to process an incentive provided according to the online account transfer payment (or card payment) using the VoIP composite terminal 110. A user interface for inputting a VoIP telephone number assigned to the VoIP composite terminal 110 to the client terminal 105, a VoIP telephone number including the user interface, payment amount information calculated by the shopping cart module, and And a VoIP payment module for transmitting payment information including merchant information corresponding to the online store provided in the shopping mall server 115 to the platform operation server 100 through a communication network. Payment payment corresponding to the payment information is processed through the VoIP composite terminal 110 provided in the client system It is preferable.

The online bank transfer payment system constituting the online bank transfer payment system using the VoIP composite terminal 110 is connected to the client terminal 105 through an IP communication network, and provides an online store to the client terminal 105. A shopping mall server 115 for selling goods (or services) provided in the online store, a payment agency server 120 providing a payment module in a plug-in form to the shopping mall server 115, and the payment agency server Receiving the requested bank transfer request information from the 120, characterized in that it comprises a financial company server 125 for processing the account transfer transaction corresponding to the request information.

According to the present invention, the payment means selection module further comprises a user interface for selecting a VoIP payment means for processing an online account transfer payment using the VoIP composite terminal 110, the VoIP payment means The payment unit comprises a payment means for processing the payment amount using the card information read through the card reader provided in the VoIP composite terminal 110.

According to the present invention, in order to process the online account transfer payment using the VoIP composite terminal 110, the payment module for each payment means, when the VoIP payment means is selected in the payment means selection module, the client terminal 105 to the A user interface for inputting a VoIP telephone number assigned to the VoIP composite terminal 110, a VoIP telephone number including the user interface, payment amount information calculated by the shopping cart module, and the shopping mall server 115 And a VoIP payment module for transmitting payment information including merchant information corresponding to the online store to the platform operation server 100 through a communication network. It is preferable to be processed through the VoIP composite terminal 110 provided in the client system.

The VoIP system constituting the incentive providing system according to the online account transfer payment (or card payment) using the VoIP composite terminal 110 may include a VoIP gateway 140 connected to the VoIP composite terminal 110 through an IP communication network. And subscriber information about the VoIP composite terminal 110 or a conventional VoIP terminal, and the VoIP composite terminal 110 and at least one other call terminal (eg, another VoIP terminal connected to an IP communication network, CDMA / WCDMA). And a gatekeeper 145 for connecting a voice call channel by performing a call processing procedure between a mobile phone connected to the base mobile communication network and a landline phone connected to a telephone network including a PSTN / Intelligent network.

The VoIP gateway 140 is a gateway to which the VoIP composite terminal 110 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 110 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 110. 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 handle the incentive provision according to the online wire transfer payment (or card payment) using the VoIP composite terminal 110, the gatekeeper 145 may be configured according to the message exchange protocol defined in the VoIP system. The card transaction message including the payment information is characterized in that it is transmitted to the VoIP composite terminal 110 through the VoIP gateway 140.

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.

The platform operation server 100 is characterized in that the communication is connected to the VoIP composite terminal 110 on the client system via an IP communication network, if the VoIP composite terminal 110 is provided in the client system, the VoIP composite terminal 110, the platform operation server 100 through the wide area communication medium, characterized in that the first search.

In addition, the platform operation server 100 is characterized in that the communication is connected to the payment server 120 on the online card payment system through a communication network, the online account transfer payment (or card payment using the VoIP composite terminal 110). In the incentive providing process according to, characterized in that for receiving payment information provided from the shopping mall server 115 from the payment agency server 120.

In addition, the platform operation server 100 is characterized in that the communication is connected to the gatekeeper 145 on the VoIP system through a communication network, the online account transfer payment (or card payment) using the VoIP composite terminal 110 When the payment information is received from the payment server 120 for the incentive providing process, a card transaction message including the payment information is generated and transmitted to the gatekeeper 145 on the VoIP system.

The platform operation server 100 may provide the payment request information to the van server 130 when the payment request information is received from the VoIP composite terminal 110 through the IP communication network. Thereafter, the van server 130 transmits the payment request information to the card company server 135 corresponding to the card information included in the payment request information.

In addition, the platform operation server 100 is characterized in that the communication connection with the payment agency server 120 on the online account transfer payment system through a communication network, when the online account transfer payment processing using the VoIP composite terminal 110, Characterized in that the payment information provided from the shopping mall server 115 from the payment agent server 120.

In addition, the platform operation server 100 is characterized in that the communication is connected to the gatekeeper 145 on the VoIP system through a communication network, the payment agency for the online account transfer payment processing using the VoIP composite terminal 110. When the payment information is received from the server 120, a card transaction message including the payment information is generated and transmitted to the gatekeeper 145 on the VoIP system.

Hereinafter, a functional configuration of the VoIP composite terminal 110 for incentive providing processing according to the online account transfer payment (or card payment) using the VoIP composite terminal 110 will be described.

More specifically, FIG. 2 illustrates a VoIP complex terminal 110 having a selective payment (or financial transaction) function according to a communication medium identification including at least one of short range wireless communication, short distance wire communication, short distance optical communication, and wide area communication. As a person of ordinary skill in the art to which the present invention pertains, reference to and / or modification of FIG. 2 includes a selective payment (or financial transaction) processing function according to communication medium identification. Various VoIP composite terminal 110 can be inferred, but the present invention includes all the implementation method inferred, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 2, the VoIP composite terminal 110 for selective payment (or financial transaction) processing according to communication medium identification is basically a control unit 200, a memory unit 225, a card reader unit 205, and a key. It comprises an input unit 215, a screen output unit 210, a sound processor 220, a security application module 245 and a power supply for supplying power to the VoIP composite terminal 110, the VoIP composite terminal ( At least one or more of the wireless communication unit 230 and the wired communication unit 235 and the optical communication unit 240 for connecting the communication with a plurality of communication media 110, 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 200 controls the overall operation of the VoIP composite terminal 110 in terms of function configuration, manages the flow of information or data between each component, and selects a payment according to a communication medium identification function and a communication medium identification (or And interworking and controlling at least one or more components provided in the VoIP composite terminal 110 for a financial transaction) function, which includes a CPU (Central Processing Unit) / MPU (Micro Processing Unit) in hardware. At least one processor, an execution memory (for example, a register or a random access memory (RAM)) and a bus (BUS) for inputting and outputting predetermined data. Loaded from a predetermined recording medium to the execution memory to perform a function of a predetermined operation that is processed by the processor It includes a program routine (Routine) or program data of the (hence, recorded on the recording medium provided in the VoIP composite terminal 110 for the communication medium identification function and selective payment (or financial transaction) function according to the communication medium identification) A predetermined program, or a component that can be processed by software among the functional components provided in the VoIP composite terminal 110, is illustrated as being provided in the control unit 200).

According to an exemplary embodiment of the present invention, the controller 200 may include components (for example, the memory unit 225, the card reader unit 205, the key input unit 215, and the screen) provided in the VoIP composite terminal 110. Output unit 210 and security application module 245 and at least one wireless communication unit 230 and wired communication unit 235 and optical communication unit 240, or a terminal functional unit (not shown) according to the intention of those skilled in the art Controlling and managing the electronic payment service defined in the VoIP composite terminal 110 by interworking with each other, as well as providing the VoIP composite terminal 110 with selective payment (or financial transaction) processing according to communication medium identification. It is possible to execute the program recorded in the recording medium provided in the VoIP composite terminal 110 to control the components provided with each other, or to perform selective payment (or financial transaction) processing according to the communication medium identification. Desirable The.

The memory unit 225 is input and output 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 110 is performed. General term of non-volatile memory for storing information or data, and includes at least one or more storage means including an electrically erasable and programmable read only memory (EEPROM) or a flash memory (FM) or a hard disk drive (HDD) in hardware. And a predetermined program routine required for the control unit 200 to perform a predetermined control function and program data (for example, data input or output for the program routine to perform a predetermined function). It is characterized by.

According to an embodiment of the present invention, the memory unit 225 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 110. 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 110 and an external terminal (or server), and connects the VoIP composite terminal 110 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 a communication protocol provided in the communication network and various cables and radio waves (or radio transmission and reception apparatus).

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 110 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 110 and a wireless access point (or wireless IP router) 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, 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 VoIP composite terminal 110 and a hub (or IP router, communication modem) located at a short distance to a short-range communication channel through a wire, and the hub (or 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 110 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 through the VoIP composite terminal 110 and the client terminal 105 located in the near field through optical communication in the infrared region, and the 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 110 is connected to a wired communication network, the wired communication medium may packet the VoIP composite terminal 110 and a gateway (or platform operating server 100) 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) to another communication medium according to the present invention, whereby the present invention is not limited.

Or, if the VoIP composite terminal 110 is connected to a wireless communication network including at least one or more wireless sections, the VoIP composite terminal 110 and the gateway (or platform operating server 100) 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, and based on the data communication. 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 mediums to which the VoIP terminal 110 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 110 according to the intention of the skilled person 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 key data for the payment security processing when the payment processing is performed using the VoIP composite terminal 110. It is preferable to include one or more, 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 110 during the payment processing.

In the payment settlement process using the VoIP composite terminal 110, 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 unit 205.

Alternatively, when the payment information for the payment processing is input through the key input unit 215, the communication medium switching information may include the payment information input through the key input unit 215 and the card reader unit 205. It is preferable that the second communication medium information for transmitting the payment request information including the card information read through, the first communication medium connected to the VoIP composite terminal 110 before the payment processing is the second communication 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 110 and the platform operation server 100 receiving the payment request information. It is preferable to include at least one encryption key (or decryption key) for securing nonrepudiation.

In addition, the payment-related automatic input information may be automatically input (or corrected after automatic input) among the information input by the user through the key input unit 215 during the payment settlement process using the VoIP composite terminal 110. It is preferable that at least one information is included.

The banking processing information for each communication medium includes at least one or more key data for the financial transaction processing 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 110. 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 (110).

In the financial transaction processing using the VoIP composite terminal 110, 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 is the first to receive the financial transaction information Preferably, the communication medium includes second communication medium information for transmitting the communication medium information and the financial transaction request information including the financial transaction information and the card information read through the card reader unit 205.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 215, the communication medium switching information may be the financial transaction information input through the key input unit 215 and the card reader unit 205. It is preferable that the second communication medium information for transmitting the financial transaction request information including the card information that is read through), the VoIP communication terminal 110 is connected to the first communication medium 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 110 and the platform operation server 100 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 215 during the financial transaction processing using the VoIP composite terminal 110. 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 110, 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, it is preferable to further comprise at least one or more automatic information associated with the Jiro for the convenience of information input of the user of the VoIP composite terminal 110 during the payment process.

In the zero payment process using the VoIP composite terminal 110, when the zero payment information for the zero payment process is received through at least one or more communication media, the communication medium switching information is the first to receive the zero 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 unit 205.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 215, the communication medium switching information is inputted through the key input unit 215 and the card reader unit 205. It is preferable to include the second communication medium information for transmitting the giro payment request information including card information read through), the first communication medium connected to the VoIP composite terminal 110 before the Jiro payment 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 the confidentiality, authentication, integrity and non-repudiation of the giro payment request information between the VoIP composite terminal 110 and the platform operation server 100 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 215 during the giro payment processing using the VoIP composite terminal 110. It is preferable that at least one information is included.

The ticket processing information for each communication medium may include at least one ticket reservation / reservation using the VoIP composite terminal 110, at least one communication medium switching 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, and further comprising at least one ticket reservation / reservation-related automatic input information for the convenience of information input of the user of the VoIP composite terminal 110 when the ticket reservation / reservation. desirable.

When the ticket reservation / reservation using the VoIP composite terminal 110, 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 unit 205 It is preferable to make it.

Or, when the ticket reservation / reservation information for the ticket reservation / reservation through the key input unit 215, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 215 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 205, the VoIP composite terminal 110 is the ticket reservation / reservation 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 110 and the platform operation server 100 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 automatically entered (or after the automatic entry of the information input by the user through the key input unit 215, when the ticket reservation / reservation using the VoIP composite terminal 110) 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 110. It is preferable to include at least one, and further comprises at least one or more electronic money charging-related automatic input information for the convenience of information input of the user of the VoIP composite terminal 110 when charging the electronic money.

When the electronic money is charged using the VoIP composite terminal 110, 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 configured to receive the electronic money charging information. Preferably, the first communication medium includes first communication medium information, second communication medium information for transmitting electronic money charging request information including the electronic money charging information and card information read through the card reader unit 205. .

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 215, the communication medium switching information may be the electronic money charging information and the card reader unit input through the key input unit 215. And a second communication medium information for transmitting electronic money charging request information including card information read through 205, wherein the VoIP composite terminal 110 is connected to the first electronic money before the first communication. 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 secure confidentiality, authentication, integrity and non-repudiation of the electronic money charging request information between the VoIP composite terminal 110 and the platform operation server 100 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 215 when charging the electronic money using the VoIP composite terminal 110. It is preferable to include at least one or more information which may be sufficient.

Customers using the VoIP composite terminal 110, 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 / (Or owns) a card including at least one contactless IC card (or wireless IC chip) based on the / IEC 14443 standard, the card reader unit 205 is at least one or more information provided in the card or It provides an interface for reading data.

According to the method of the present invention, the card reader unit 205 is an MS reader unit for providing an interface between the MS card and the VoIP composite terminal 110, or the contact IC card and the VoIP composite terminal 110. 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 composite terminal 110.

The MS reader unit is a card reader unit 205 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 from the at least one track (Track) provided in the MS of the MS card to the VoIP composite terminal 110 by using the loaded.

The contact IC reader unit is a card reader unit 205 based on ISO / IEC 7816, and includes at least one contact point making 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 (110).

The contactless IC reader unit is a card reader unit 205 based on ISO / IEC 14443, and 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 Interface to (110).

According to an embodiment of the present invention, the card reader unit 205 may provide predetermined card information (eg, a card) from at least one or more card reader units 205 for the electronic payment service defined in the VoIP composite terminal 110. It is preferable to read the payment means information corresponding to the payment means, including at least one or more credit card, check card, debit card, cash card, financial account provided in the (optional) payment according to the communication medium identification ( Or financial transaction). It is preferable to read predetermined card information from at least one or more cards.

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 215 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 signal) inputted from the terminal, and selects a predetermined key from the predetermined key button provided in the key input device in a specific input mode or operation mode of the VoIP composite terminal 110 controlled by the controller 200. 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 200. The controller 200 Acquires predetermined key data corresponding to the key event in the current input mode or the operation mode of the VoIP composite terminal 110, or performs a predetermined function defined by matching with the key event. It is characterized by obtaining a command to execute. The key input unit 215 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 110.

The key input device interoperating with the key input unit 215 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. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to an embodiment of the present invention, the key input unit 215 may be configured to provide key data (eg, payment) corresponding to the electronic payment service from at least one key input device for the electronic payment service defined in the VoIP composite terminal 110. 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 an exemplary embodiment of the present invention, the key input device corresponding to the key input unit 215 may select the operation mode of the VoIP composite terminal 110 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 210 is a liquid crystal display (LCD) or a CRT (Cathode Ray) by the control unit 200 while the VoIP composite terminal 110 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 210 and the screen are output. Output devices interoperate with each other to perform the function of screen output means provided in the VoIP composite terminal 110.

The predefined information or data to be output from the VoIP composite terminal 110 to the screen output device may include key data input through the key input unit 215 or components provided in the VoIP composite terminal 110. Information (or data) stored or generated by the at least one wireless communication unit 230, wired communication unit 235, information (or data) transmitted and received through the optical communication unit 240, or the VoIP composite terminal 110 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 210 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 110. 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 220 is a function component that processes input / output of sound in the voice call mode of the VoIP composite terminal 110. The sound processor 220 decodes at least one encoded sound data (or voice data) to decode the VoIP. It is provided with a vocoder and a codec for outputting to a speaker provided in the composite terminal 110 or encoding and encoding a sound signal input through a microphone provided in the VoIP composite terminal 110. Characterized in that made.

The wireless communicator 230 includes at least one short range wireless communicator 230 and at least one wide area wireless communicator 230.

The short range wireless communication unit 230 is a communication unit that connects communication with the short range wireless communication medium in the VoIP composite terminal 110, and is a wireless AP (or wireless access point) located at a short distance with the VoIP composite terminal 110. IP router) to connect a short-range communication channel via wireless, or directly connect the short-range communication channel via wireless to the VoIP composite terminal 110 and the client terminal 105 located at a short distance.

According to an embodiment of the present invention, the short range wireless communication unit 230 connects a short distance communication channel through the wireless AP (or wireless IP sharer) located in the short distance with the VoIP composite terminal 110. In this case, the short-range wireless communication unit 230 preferably comprises at least one Bluetooth (BlueTooth) communication, Wi-Fi (Wi-Fi) communication, Ultra Wide Band system (UWB) communication function according to the IEEE 802.11.x standard. .

According to another exemplary embodiment of the present invention, when the short range wireless communication unit 230 directly connects the short distance communication channel with the VoIP composite terminal 110 and the client terminal 105 located in the short range through wireless, the short range wireless communication The communication unit 230 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 230 is a communication unit for connecting communication with the wireless communication medium in the VoIP composite terminal 110, when the VoIP composite terminal 110 is connected to a wireless communication network including at least one or more wireless sections. In addition, the VoIP composite terminal 110 and the gateway (or platform operating server 100) on the wireless communication network is characterized in that for connecting the communication channel of the packet-switched method through wireless communication.

According to an exemplary embodiment of the present invention, the wide area wireless communication unit 230 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 230 is characterized in that it comprises at least one short-range wired communication unit 235 and a wide area wired communication unit 235.

The short-range wired communication unit 235 is a communication unit for connecting communication with the short-range wired communication medium in the VoIP composite terminal 110, a hub (or an IP router, a communication modem) located at a short distance with the VoIP composite terminal 110. It is characterized in that to connect the short-range communication channel via a wire, or directly connect the short-range communication channel through the wired to the VoIP terminal 110 and the client terminal 105 located in the local area.

According to an embodiment of the present invention, when the short-range wired communication unit 235 connects the VoIP composite terminal 110 and a hub (or an IP sharer, a communication modem) located at a short distance to a short-range communication channel through a wire, The short-range wired communication unit 235 preferably includes at least one of a NetBIOS standard, an IPX / SPX standard, and a TCP / IP standard.

According to another embodiment of the present invention, when the short-range wired communication unit 235 directly connects the short-range communication channel to the VoIP composite terminal 110 and the client terminal 105 located in the short-range through a wire, the short-range wired The communication unit 235 preferably includes at least one USB (Universal Serial Bus) and RS-232c supporting a direct communication method.

The wide area wired communication unit 235 is a communication unit for connecting communication with the wired communication medium in the VoIP composite terminal 110, when the VoIP composite terminal 110 is connected to a wired communication network (or intelligent network), the VoIP composite The terminal 110 and the gateway (or the platform operation server 100) 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 235 preferably provides data communication conforming to the TCP / IP standard and VoIP based voice call based on the data communication.

The optical communication unit 240 is a communication unit that connects the communication with the optical communication medium in the VoIP composite terminal 110, the optical communication in the infrared region with the client terminal 105 located in the near field with the VoIP composite terminal 110 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 240 preferably includes at least one infrared communication complying with the Infrared Data Association (IrDA) standard, and an infrared communication conforming to the Infrared Finance Messaging (IrFM) standard of IrDA. .

The secure application module (245) is a confidentiality or authentication required in the process of performing the selective payment (or financial transaction) by the VoIP composite terminal 110 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 110 without using an authentication server (not shown) on the payment network. As a safety device for performing, the VoIP composite terminal 110 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 245 is preferably composed of a predetermined security application module 245 inserter and a security application module 245 chip, the security application module 245 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 245 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code) required for the VoIP composite terminal 110 to perform a predetermined security request function Value, 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, authorization protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / collection / delete / discard / initialization / reprocessing / Cancel command).

According to an embodiment of the present invention, the memory of the security application module 245 is a short-range wireless communication corresponding to at least one or more communication media that the VoIP composite terminal 110 can communicate with, in place of the memory unit 225. 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, short range wireless communication medium information, short distance wired communication medium information, and short distance corresponding to at least one or more communication media that the VoIP composite terminal 110 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 110 according to the intention of the skilled person 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 key data for the payment security processing when the payment processing is performed using the VoIP composite terminal 110. It is preferable to include one or more.

Alternatively, when the payment information for the payment processing is input through the key input unit 215, the communication medium switching information may include the payment information input through the key input unit 215 and the card reader unit 205. And second communication medium information for transmitting payment request information including card information read through the first communication medium, wherein the first communication medium connected to the VoIP composite terminal 110 before the payment processing is the second communication medium. It is possible to include a communication medium such as a communication medium or other communication mediums.

The banking processing information for each communication medium includes at least one or more key data for the financial transaction processing 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 110. It is preferable to include one or more.

In the financial transaction processing using the VoIP composite terminal 110, 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 is the first to receive the financial transaction information Preferably, the communication medium includes second communication medium information for transmitting the financial transaction information and the financial transaction request information including the financial transaction information and the card information read through the card reader unit 205.

The Jiro processing information for each communication medium includes at least one giro payment processing using the VoIP composite terminal 110, 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.

The ticket processing information for each communication medium may include at least one ticket reservation / reservation using the VoIP composite terminal 110, at least one communication medium switching 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.

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 110. It is preferable to comprise at least one or more.

When the electronic money is charged using the VoIP composite terminal 110, 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 configured 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 unit 205.

Referring to FIG. 2, the VoIP composite terminal 110 is connected to a communication unit that processes at least one wide area communication of the wireless communication unit 230 and the wired communication unit 235 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 140 and the VoIP gatekeeper 145, 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 processor 280 for providing a voice call service with a call terminal to which the call is connected through the communication channel.

The VoIP composite terminal 110 shown in FIG. 2 basically provides a VoIP voice call function. For this purpose, the communication channel connection unit 260 is a wide area of at least one of the wireless communication unit 230 and the wired communication unit 235. It is characterized in that the communication channel for VoIP voice call with the VoIP gateway 140, or VoIP gatekeeper 145 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 110 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 280 performs a call processing procedure with at least one or more other call terminals in connection with the VoIP gateway 140 or the VoIP gatekeeper 145 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 the voice call processing unit 280 for the VoIP-based voice call, so Description will be omitted for convenience.

Referring to FIG. 2, the VoIP composite terminal 110 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 230 and the wired communication unit 235 in a data communication mode. And a data communication processor 282 for providing a browsing service provided by the web server through the communication channel.

The VoIP composite terminal 110 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 230 and the wired communication unit 235. 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 282 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, may be received and output through the screen output unit 210.

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 282 for the browsing service, so a more detailed description thereof It will be omitted for convenience.

Referring to FIG. 2, the VoIP composite terminal 110 is connected to at least one communication unit of the wireless communication unit 230, the wired communication unit 235, and the optical communication unit 240 in close proximity with the VoIP composite terminal 110. Communication medium search unit for connecting at least one communication medium connectable to the VoIP composite terminal 110 by connecting a communication channel with a client terminal 105 or a gateway (or platform operating server 100) on the communication network located in the 286, when the communication medium searching unit 286 searches for at least one communication medium, the searched communication medium information, the payment processing information for each communication medium, the banking processing information for each communication medium, and the Jiro processing for each communication medium. And a communication medium information storage unit 278 storing information, ticket processing information for each communication medium, and charging processing information for each communication medium in the memory unit 225.

For selective payment (or financial transaction) processing according to the communication medium identification, the communication medium search unit 286 is the wireless communication unit 230, wired communication unit (i) in the idle state of the voice call mode or data communication mode. 235, a client terminal 105 located at a short distance with the VoIP composite terminal 110 or a gateway (or a platform operating server) periodically in the optical communication unit 240 according to a channel discovery protocol corresponding to each communication unit. (100) and the communication channel to search for at least one or more communication media that can be connected in the VoIP composite terminal (110).

The communication medium searched by the communication medium searching unit 286 may include a short range wireless communication medium, a short distance wired communication medium, and an optical fiber that process information (or data) exchange between the VoIP composite terminal 110 and an external terminal (or server). Preferably, the communication device comprises at least one communication medium and a wide area communication medium. The short range wireless communication medium includes at least one short range wireless communication medium in a packet-switched manner and at least one short range wireless communication medium in a direct communication method. The communication medium may include at least one short-range wired communication medium of a packet switched method and a short-range wired communication medium of a direct communication method, and the wide area communication medium may include 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 110 and a wireless access point (or wireless IP router) 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 connecting a short distance communication channel with the wireless AP (or wireless IP router) and a client terminal 105 located in a short distance through a wireless network. At least one Bluetooth, Wi-Fi, UWB (Ultra Wide Band system) and the like conforming to the .x standard is preferably made, and the short-range wireless communication medium type 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, when the VoIP composite terminal 110 is connected to a wired communication network, the wired communication medium may packet the VoIP composite terminal 110 and a gateway (or platform operating server 100) 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 to which the present invention pertains, among the wireless communication unit 230, wired communication unit 235, optical communication unit 240, to familiarize with 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 286, the communication medium information storage unit 278 associates the searched communication medium information with payment processing information for each communication medium to provide the memory unit 225. (Or a security application module 245) is characterized in that the storage.

According to an embodiment of the present invention, the payment processing information for each communication medium is deactivated with a plurality of communication medium information connectable to the memory unit 225 (or the security application module 245) through the VoIP composite terminal 110. In the case of cooperative processing and storage, the communication medium information storage unit 278 activates 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 searching unit 286, the communication medium information storage unit 278 associates the searched communication medium information with banking processing information for each communication medium to provide the memory unit 225. ) (Or a security application module 245).

According to an exemplary embodiment of the present invention, banking processing information for each communication medium is deactivated with a plurality of communication medium information connectable to the memory unit 225 (or security application module 245) through the VoIP composite terminal 110. In the case of cooperative processing and storage, the communication medium information storage unit 278 activates 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 286, the communication medium information storage unit 278 associates the searched communication medium information with processing information for each communication medium to the memory unit 225. (Or a security application module 245) is characterized in that the storage.

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 110 and the platform operation server 100 receiving the Giro payment request information It is preferable that at least one encryption key (or decryption key) is included.

According to an embodiment of the present invention, the processing information for each communication medium in the memory unit 225 (or the security application module 245) is in a deactivated state with a plurality of communication medium information connectable through the VoIP composite terminal 110. In the case of cooperative processing and storage, the communication medium information storage unit 278 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 286, the communication medium information storage unit 278 associates the searched communication medium information with ticket processing information for each communication medium to provide the memory unit 225. (Or a security application module 245) is characterized in that the storage.

When ticket reservation / reservation using the VoIP composite terminal 110, 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 unit 205 It is preferable to make it.

According to an exemplary embodiment of the present invention, the ticket processing information for each communication medium is deactivated with a plurality of communication medium information connectable to the memory unit 225 (or the security application module 245) through the VoIP composite terminal 110. In the case of cooperative processing and storage, the communication medium information storage unit 278 activates 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 286, the communication medium information storage unit 278 associates the searched communication medium information with charging processing information for each communication medium to provide the memory unit 225. (Or a security application module 245) is characterized in that the storage.

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 225 (or the security application module 245) through the VoIP composite terminal 110. In the case of cooperative processing and storage, the communication medium information storage unit 278 activates charging processing information for each communication medium stored in association with the searched communication medium information.

Referring to FIG. 2, when the VoIP communication terminal 110 stores the searched plurality of communication medium information in the memory unit 225 by the communication medium information storage unit 278, the VoIP terminal 110 selects the communication medium according to the communication medium identification. The wireless communication unit 230, the wired communication unit 235, the optical communication unit 240, in connection with at least one communication unit in accordance with the operation mode of the VoIP composite terminal 110 for payment (or financial transaction) processing for the A communication channel connection unit 260 connecting a communication channel with a VoIP composite terminal 110 and a client terminal 105 located at a short distance, or a gateway (or platform operating server 100) on a communication network, and the communication channel connection unit 260 And a communication medium checking unit 284 for checking a communication medium corresponding to the communication channel connected through the C1.

According to an embodiment of the present invention, when the operation mode of the VoIP composite terminal 110 is a voice call mode, the communication channel connection unit 260 is a wide area communication of at least one or more of the wireless communication unit 230 and the wired communication unit 235. The communication channel for VoIP voice call is connected to the VoIP gateway 140 or the VoIP gatekeeper 145 on the communication network in connection with the communication unit for processing the voice communication. In this case, the communication medium confirmation unit 284 It is characterized in that the communication medium connected to the VoIP composite terminal 110 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 110 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. Connecting a communication channel, receiving 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 outputting the web document through the screen output unit 210. In this case, the communication medium checking unit 284 may identify a communication medium to which the VoIP composite terminal 110 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 110 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 110. 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 110 by menu selection provided in the VoIP complex terminal 110. Characterized in that the communication channel is connected.

In this case, the communication medium checking unit 284 is a short-range wireless communication medium of the packet-switched method, a short-range wireless communication of the direct communication method according to the communication medium connecting the short-range communication channel to the communication medium connected to the VoIP composite terminal 110; 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, the VoIP terminal 110 for selective payment 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 210. When the payment menu is selected through the key input unit 215, the first communication medium (or the VoIP composite terminal 110) identified by the communication medium checking unit 284 in association with the memory unit 225 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 215 to set an operation mode of the VoIP composite terminal 110 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 for 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 215 An interface output unit 270 that receives input and outputs a payment interface for each communication medium that receives card information read from a customer card through the card reader 205, and the payment information and the payment information through the payment interface for each communication medium. And an information input unit 272 for inputting payment security information and card information.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 110 includes at least one of a 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 210. Outputs a plurality of menus, and when the payment menu is selected from the plurality of menus through the key input unit 215, the information checking unit 266 is configured to identify the first information checked by the communication medium checking unit 284. Confirm first media information corresponding to a communication medium (or a first communication medium to which the VoIP composite terminal 110 is currently connected), and communication medium switching information including first medium information in association with the memory unit 225. 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 210 to determine the at least one or more second communication mediums. And a mode selection interface for selecting a second communication medium to process the payment. When the second communication medium to be paid is selected through the key input unit 215, the VoIP terminal 110 of the VoIP payment terminal 110 is selected. 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 110 via a packet-switched short-range wireless communication medium for payment request information generated by the VoIP composite terminal 110. 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 110 through the short range wireless communication medium of the payment request information generated by the VoIP composite terminal 110. 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 in the near field with the VoIP complex terminal 110 through a short-range wired communication medium in a packet switching scheme for payment request information generated by the VoIP complex terminal 110. 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 in the near field with the VoIP complex terminal 110 through the short distance wired communication medium of the payment request information generated in the VoIP complex terminal 110. 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 110 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 110 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 by the VoIP composite terminal 110 is transmitted to a gateway (or platform operating server 100) 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 110 is transmitted to a gateway (or platform operating server 100) 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 110 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. And transmit a communication channel for processing the payment by transmitting.

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 at a short distance with the VoIP composite terminal 110 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 establish 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 110 through a short range wireless communication medium of a direct communication method. 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 110 through a short-range wired communication medium of the packet exchange method. 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 110 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 composite terminal 110 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 100) 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 100) 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 270 receives payment information for payment processing through the second communication medium through the key input unit 215. (E.g., payment amount, merchant information) and payment security information (e.g., card password, platform OTP (One Time Password authenticated by the gateway (or platform operation server 100) on the communication network other than the card company / financial company), etc.) The card reader unit 205 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, etc.) for payment processing through the second communication medium through the key input unit 215. Platform OTP, etc.) is preferably included, and preferably comprises a user interface for requesting to read the customer card through the card reader 205.

If the customer card is an IC card and the card reader unit 205 includes an IC reader unit, the payment interface for each communication medium uses 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 110, by the communication channel connection unit 260. Is connected, and the payment request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 110 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 270, the information input unit 272 transmits the payment information (eg, payment amount and merchant information) and payment security through the key input unit 215. 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 (for example, payment amount and merchant information) and payment security information (for example, card password and platform OTP) is omitted from the payment interface for each communication medium. In this case, the information input unit 272 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 205 based on the payment interface for each communication medium, the information input unit 272 inputs the card information in association with the card reader unit 205. Characterized in that.

Referring to FIG. 2, the VoIP composite terminal 110 is connected to the VoIP composite terminal 110 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 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 payment information is included, and checks the payment information. The first communication medium information corresponding to the first communication medium (or the first communication medium receiving the card transaction message) identified by the communication medium checking unit 284, and the memory unit 225. 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 110 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 215 An interface output unit 270 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 205 and the payment through the payment interface for each communication medium; And an information input unit 272 for inputting security information and card information.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 110 is connected to a first communication medium by the communication channel connection unit 260, the VoIP composite terminal 110 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 selective payment according to the communication medium identification is 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 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 it is confirmed by the message confirming unit 264 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 284. Confirming a first communication medium, identifying at least one payment processing information including communication medium switching information including first media information in association with the memory unit 225, and included in the checked 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 110 is connected among the communication medium information stored in the memory unit 225. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the payment page URL is included in the payment information, the information checking unit 266 is the VoIP composite terminal 110 among the communication medium information stored in the memory unit 225. 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 the VoIP composite terminal 110 may be included even if the payment page URL is included according to the intention of a person skilled in the art. 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 225, 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 110 and the client terminal 105 located in a short distance through the short-range wireless communication medium of the packet exchange 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 110 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 110 and the client terminal 105 located in a short distance through the short-range wired communication medium of the 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 110 and the client terminal 105 located at a short distance through a short distance 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 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 110 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 100) 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 100) 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 in which the card transaction message is received in the operation mode of the VoIP composite terminal 110. Characterized by the communication channel connection unit 260 is characterized in that the switching to the communication mode for each communication medium including the communication 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 110 by the mode switching unit 268 corresponding to the second communication medium When the payment mode is switched, the interface output unit 270 inputs payment security information (eg, card password, platform OTP, etc.) for the payment processing through the second communication medium through the key input unit 215. And outputting a payment interface for each communication medium that receives card information read from the customer card through the card reader unit 205.

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 215. It is preferably made, and preferably comprises a user interface for requesting to read the customer card through the card reader unit 205.

If the customer card is an IC card and the card reader unit 205 includes an IC reader unit, 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 110, by the communication channel connection unit 260. Is connected, and the payment request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 110 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 270, the information input unit 272 transmits the payment security information (eg, card password, platform OTP, etc.) through the key input unit 215. Characterized in that the input processing.

According to another embodiment of the present invention, when the user interface for receiving the payment security information (for example, card password, platform OTP, etc.) is omitted from the payment interface for each communication medium, the information input unit 272 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 110 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. And a portion 274 and an information transmitter 276 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 through the information input unit 272 and the payment information and the payment security information are input and processed according to an implementation method, the information generation unit 274 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 110 and the VoIP composite terminal 110 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 274 preferably generates payment request information transmitted through the short-range wireless communication medium.

Alternatively, a communication channel through a short range wireless communication medium of a direct communication method between the VoIP composite terminal 110 and the VoIP composite terminal 110 and the client terminal 105 located in a short distance by the communication channel connection unit 260. When connected, the information generation unit 274 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 110 and the VoIP composite terminal 110 and the client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generation unit 274 preferably generates payment request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via the short-range wired communication medium of the direct communication method between the VoIP composite terminal 110 and the VoIP composite terminal 110 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generation unit 274 preferably generates payment 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 to the VoIP composite terminal 110 and the VoIP composite terminal 110 and the client terminal 105 located in a short distance through an optical communication medium, the information The generation unit 274 preferably generates payment request information transmitted through the optical communication medium.

Alternatively, when the communication channel is connected between the VoIP composite terminal 110 and the gateway (or platform operating server 100) on the communication network through a wired communication medium by the communication channel connection unit 260, the information generating unit 274 ) 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 110 and the gateway (or platform operating server 100) on the communication network by the communication channel connection unit 260, the information generating unit 274 ) Preferably generates payment request information transmitted through the wireless communication medium.

When the payment request information is generated by the information generation unit 274, the information transmission unit 276 may transmit the payment request information through a communication channel connected through the second communication medium.

When the information transmitting unit 276 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 276 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 276, when a payment corresponding to the payment request information is processed, a message receiver including the payment result information is received through the message receiving unit 262. It is preferable that the output through the screen output unit 210.

Referring to FIG. 2, the VoIP terminal 110 for selective financial transactions according to a communication medium identification according to an exemplary embodiment of the present invention is selected from among a plurality of menus output through the screen output unit 210. When the banking menu is selected through the key input unit 215, the first communication medium (or the VoIP composite terminal 110) identified by the communication medium checking unit 284 in association with the memory unit 225 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 the data, and selects a second communication medium to be financed through the key input unit 215 to set an operation mode of the VoIP composite terminal 110 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; Financial transaction information and financial transaction security for financial transaction processing through the second communication medium through the key input unit 215 when the communication channel connection unit 260 for connecting a channel and the communication channel through the second communication medium, An interface output unit 270 for receiving information and outputting a financial transaction interface for each communication medium receiving card information read from a customer card through the card reader unit 205, and the financial transaction interface for each communication medium; And an information input unit 272 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 110 includes at least one of a 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 210. Outputs a plurality of menus, and when the banking menu is selected from the plurality of menus through the key input unit 215, the information checking unit 266 is configured to identify the first information as determined by the communication medium checking unit 284. Confirm first media information corresponding to a communication medium (or a first communication medium to which the VoIP composite terminal 110 is currently connected), and communication medium switching information including first medium information in association with the memory unit 225. Confirming at least one or more banking processing information including a, and at least one or more second communication medium information included in the identified 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 210 to determine the at least one or more second communication mediums. 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 215, the VoIP composite terminal 110 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 110 via the packet-switched short-range wireless communication medium for the financial transaction request information generated by the VoIP complex terminal 110. 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 110 through the short range wireless communication medium of the financial transaction request information generated by the VoIP complex terminal 110 through a direct communication 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 110 through the short-range wired communication medium of the financial transaction request information generated by the VoIP complex terminal 110. 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 110 through the short distance wired communication medium of the financial transaction request information generated by the VoIP complex terminal 110. 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 110 is transmitted to the client terminal 105 located at a short distance from the VoIP composite terminal 110 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 110 is transmitted to a gateway (or platform operating server 100) 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 110 is transmitted to a gateway (or platform operating server 100) 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 110 is switched to the banking mode for each communication medium by the mode switching unit 268, the communication channel connection unit 260 performs 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 110 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 110 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 110 through a short-range wired communication medium of the packet exchange 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 110 through a short-range wired communication medium of the direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 260 preferably connects the optical communication channel for transmitting the financial transaction request information to the VoIP composite terminal 110 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 100) 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 100) 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 270 performs a financial transaction for the financial transaction processing through the second communication medium through the key input unit 215. Information (eg, transaction amount, payee account information) and financial transaction security information (eg, card password, account password, platform OTP, etc.) are input, and the card information read from the customer card is read through the card reader 205. 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 215. , 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 205.

If the customer card is an IC card and the card reader unit 205 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 110, by the communication channel connection unit 260. 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 110 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 270, the information input unit 272 receives the financial transaction information (eg, transaction amount and payee account information) through the key input unit 215. 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 272 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 205 based on the financial transaction interface for each communication medium, the information input unit 272 inputs the card information in association with the card reader unit 205. It is characterized by processing.

Referring to FIG. 2, the VoIP composite terminal 110 is connected to the VoIP composite terminal 110 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 Upon confirmation, the first communication medium information corresponding to the first communication medium (or the first communication medium receiving the card transaction message) identified by the communication medium checking unit 284 is checked, and the memory unit 225 is checked. 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 110 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 215. An interface output unit 270 for receiving financial transaction security information for a communication medium and outputting a financial transaction interface for each communication medium receiving card information read from a customer card through the card reader unit 205, and for each communication medium; And an information input unit 272 for inputting and processing the financial transaction security information and card information through a financial transaction interface.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 110 is connected to a first communication medium by the communication channel connection unit 260, the VoIP composite terminal 110 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 284. Identify a first communication medium, identify at least one banking processing information including communication medium switching information including first media information in association with the memory unit 225, and include the banking processing 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 confirming unit 266 may be configured to perform the VoIP composite information among the communication medium information stored in the memory unit 225. Near field terminal 110, a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-distance wired communication medium of the packet exchange method to communicate with the client terminal 105 connected to the financial transaction page, or It is preferable to automatically check any one of a short distance wired communication medium or an optical communication medium of the direct 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 The wireless communication medium or the wired communication medium to which the composite terminal 110 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 225. 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 110 and the client terminal 105 located in a short distance through the short-range wireless communication medium of the packet exchange 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 110 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 110 and the client terminal 105 located in a short distance through the short-range wired communication medium of the 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 may be connected to the VoIP composite terminal 110 and the client terminal 105 located at a short distance through a short distance 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 composite terminal 110 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 a gateway (or platform operation server 100) on the communication network through a 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 the gateway (or platform operation server 100) on the communication network through the 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 that receives the card transaction message in the operation mode of the VoIP composite terminal 110. The method may be configured to switch to a banking mode for each communication medium including information and information on a second communication medium connected to a 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 110 through the short distance communication medium of the financial transaction request information generated by the VoIP complex terminal 110 through a direct communication method. It is preferable to include a banking mode to process the financial transaction by transmitting in).

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 110 by the mode switching unit 268 corresponding to the second communication medium When switching to the star banking mode, the interface output unit 270 is the financial transaction security information (for example, card password, account password, platform OTP) for the financial transaction processing through the second communication medium through the key input unit 215 And the like), and outputs a financial transaction interface for each communication medium that receives the card information read from the customer card through the card reader unit 205.

Here, the financial transaction interface for each communication medium receives financial transaction security information (eg, card password, account password, platform OTP, etc.) for financial transaction processing through the second communication medium through the key input unit 215. 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 205.

If the customer card is an IC card and the card reader unit 205 includes an IC reader unit, the financial transaction interface for each communication medium may include a card password, 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 110, by the communication channel connection unit 260. 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 110 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 270, the information input unit 272 receives the financial transaction security information (eg, a card password, an account password, a password) through the key input unit 215. Platform OTP).

According to another embodiment of the present invention, when the user interface for inputting 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 272 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 110 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 274 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 272 and the financial transaction information and the financial transaction security information are input and processed according to an implementation method, the information generation unit 274 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 110 and the VoIP composite terminal 110 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 274 preferably generates the financial transaction request information transmitted through the short-range wireless communication medium of the packet exchange method.

Alternatively, a communication channel through a short range wireless communication medium of a direct communication method between the VoIP composite terminal 110 and the VoIP composite terminal 110 and the client terminal 105 located in a short distance by the communication channel connection unit 260. When connected, the information generator 274 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 110 and the VoIP composite terminal 110 and the client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generation unit 274 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 the short-range wired communication medium of the direct communication method between the VoIP composite terminal 110 and the VoIP composite terminal 110 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generation unit 274 preferably generates the financial transaction 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 to the VoIP composite terminal 110 and the VoIP composite terminal 110 and the client terminal 105 located in a short distance through an optical communication medium, the The information generator 274 preferably generates the financial transaction request information transmitted through the optical communication medium.

Alternatively, when the communication channel is connected between the VoIP composite terminal 110 and the gateway (or platform operating server 100) on the communication network through a wired communication medium by the communication channel connection unit 260, the information generating unit 274 ) 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 110 and the gateway (or platform operating server 100) on the communication network by the communication channel connection unit 260, the information generating unit 274 ) 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 274, the information transmission unit 276 transmits the financial transaction request information through a communication channel connected through the second communication medium. .

In the information transmitter 276 transmitting the financial transaction request information through a communication channel connected through the second communication medium, at least one key data is included in banking processing information including the second communication medium information. In this case, the information transmission unit 276 preferably transmits the financial transaction request information by encrypting 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 276, and when a financial transaction corresponding to the financial transaction request information is processed, a messager including the financial transaction result information through the message receiving unit 262. It is preferably received and output through the screen output unit 210.

Referring to FIG. 2, the VoIP composite terminal 110 provides a screen output unit 210 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. Among the plurality of menus output through the key, if the Giro payment menu is selected through the key input unit 215, the first communication medium confirmed by the communication medium check unit 284 in conjunction with the memory unit 225 An information confirmation unit 266 for identifying at least one second communication medium information included in the processing information including first medium information corresponding to the first communication medium to which the VoIP composite terminal 110 is currently connected. And outputting 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 for the branch through the key input unit 215, Of the terminal 110 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 215 when connecting a communication channel through a second communication medium. Interface output unit 270 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 205 And an information input unit 272 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 110 includes at least one of a 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 210. Outputs a plurality of menus, and when the payout menu of the plurality of menus is selected through the key input unit 215, the information checking unit 266 is configured to be checked by the communication medium checking unit 284. 1 confirming the first media information corresponding to the communication medium (or the first communication medium to which the VoIP composite terminal 110 is currently connected), and switching the communication medium including the first medium information in association with the memory unit 225. Identifying at least one geoprocessing information including 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 210 to determine the at least one or more second communication mediums. 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 for payment through the key input unit 215, the VoIP composite terminal 110 of the VoIP communication terminal 110. 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 110 via the short-range wireless communication medium of the Giro payment request information generated by the VoIP composite terminal 110. 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 located near the VoIP composite terminal 110 via the short range wireless communication medium of the direct payment method generated by the VoIP composite terminal 110. It is preferable to include a giro mode to process the giro payment by transmitting to).

Alternatively, the communication mode for each communication medium is a client terminal 105 which is located near the VoIP complex terminal 110 via a wired communication medium of a packet-switching method in which the Giro payment request information generated by the VoIP composite terminal 110 is located. 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 110 via the short-range wired communication medium of the Giro payment request information generated by the VoIP composite terminal 110 in a direct communication method. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the telecommunication mode for each communication medium may transmit the payment information for the giro payment generated by the VoIP composite terminal 110 to the client terminal 105 located at a short distance from the VoIP composite terminal 110 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 110 to a gateway (or platform operating server 100) 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 110 to a gateway (or platform operating server 100) 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 110 is switched to the communication medium-specific mode by the mode switching unit 268, the communication channel connection unit 260 transmits Jiro 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 in the near field with the VoIP composite terminal 110 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 110 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 branch payment request information to the client terminal 105 located at a short distance with the VoIP composite terminal 110 through a short-range wired communication medium of the packet exchange method. 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 110 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 composite terminal 110 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 operation server 100) 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 100) 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 270 is a branch payment unit for processing the payment through the second communication medium through the key input unit 215. Giro payment by communication media receiving information (for example, payment amount) and giro payment security information (for example, card password, platform OTP, etc.) and card information read from a customer card through the card reader unit 205. And outputting an interface.

Here, the zero payment interface for each communication medium includes zero payment information (for example, payment amount) and zero payment security information (for example, card password, etc.) for processing of payment of payment through the second communication medium through the key input unit 215. Platform OTP, etc.) is preferably included, and preferably includes a user interface for requesting reading of the customer card through the card reader unit 205.

If the customer card is an IC card and the card reader unit 205 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 110, by the communication channel connection unit 260. Is connected, and when only the card information read from the customer card is included in the giro payment request information (for example, when the VoIP composite terminal 110 is used as a card reader for the giro payment processing), the communication medium The giro payment interface may omit some of the user interface for receiving giro payment information (eg, payment amount) and giro 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 270, the information input unit 272 uses the key input unit 215 to secure the payment information (for example, the payment amount) and the payment payment through the key. 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 inputting the giro payment information (eg, payment amount) and giro payment security information (eg, card password, platform OTP, etc.) to the giro payment interface for each communication medium is omitted. In this case, the information input unit 272 may not process the 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 205 on the basis of the payment interface for each communication medium, the information input unit 272 inputs the card information in association with the card reader unit 205. It is characterized by processing.

Referring to FIG. 2, the VoIP composite terminal 110 is connected to the communication channel connection unit 260 for payment of giro through the selective payment (or financial transaction) process according to the 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 110 is connected, and reading the received card transaction message to confirm whether the payment information is included. A first communication medium corresponding to the first communication medium (or the first communication medium receiving the card transaction message) confirmed by the communication medium checking unit 284 when the section 264 and the branch payment information are checked. 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 225. 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 110 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 a second payment medium for inputting payment information for the payment for the payment through the second communication medium, and through the card reader unit 205, a payment payment interface for each communication medium receiving the card information read from the customer card; And an information input unit 272 for inputting and processing the branch payment security information and the card information through the branch payment interface for each communication medium. do.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 110 is connected to a first communication medium by the communication channel connection unit 260, the VoIP composite terminal 110 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 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.

When the message confirming unit 264 confirms that the card transaction message includes the giro payment information, the information confirming unit 266 receives the card transaction message in association with the communication medium confirming unit 284. 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 225, 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 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 225 Near field 110, a near field wireless communication medium of a packet-switched communication system, a near field wireless communication medium of a direct communication system, a short distance wired communication medium of a packet-switching system, which communicates with a client terminal 105 connected to the page for paying giro, 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, 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 110 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 225, 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 110 and the client terminal 105 located in a short distance through the short-range wireless communication medium of the packet exchange 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 110 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 110 and the client terminal 105 located in a short distance through the short-range wired communication medium of the 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 110 and the client terminal 105 located at a short distance through a short distance wired communication medium of the 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 110 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 100) 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 the gateway (or the platform operation server 100) on the communication network through the 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 that receives the card transaction message in the operation mode of the VoIP composite terminal 110. 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.

Alternatively, the communication mode for each medium is a client terminal 105 located near the VoIP composite terminal 110 via the short range wireless communication medium of the direct payment method generated by the VoIP composite terminal 110. It is preferable to include a giro mode for processing the giro payment by transmitting to).

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 110 by the mode switching unit 268 corresponding to the second communication medium When the mode is switched to the separate mode, the interface output unit 270 receives the zero payment security information (for example, card password, platform OTP, etc.) for processing the payment through the second communication medium through the key input unit 215. It receives the input, and outputs the payment interface to the communication medium for receiving the card information read from the customer card through the card reader unit 205.

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 215. It is preferably made, including a user interface for requesting to read the customer card through the card reader unit 205.

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 110, by the communication channel connection unit 260. Is connected, and when only the card information read from the customer card is included in the giro payment request information (for example, when the VoIP composite terminal 110 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 270, the information input unit 272 transmits the payment security information (eg, card password, platform OTP, etc.) through the key input unit 215. ) Is input processing.

According to another exemplary embodiment of the present invention, when the user interface for receiving the giro payment security information (for example, card password, platform OTP, etc.) is omitted from the giro payment interface for each communication medium, the information input unit 272 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 110 includes at least one of the input-processed 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 276 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 272 and the giro payment information and the giro payment security information are input and processed according to an implementation method, the information generation unit 274 enters the processed 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 110 and the VoIP composite terminal 110 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 274 preferably generates branch payment request information transmitted through the short-range wireless communication medium.

Alternatively, a communication channel through a short range wireless communication medium of a direct communication method between the VoIP composite terminal 110 and the VoIP composite terminal 110 and the client terminal 105 located in a short distance by the communication channel connection unit 260. When connected, the information generation unit 274 preferably generates branch 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 110 and the VoIP composite terminal 110 and the client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generation unit 274 preferably generates the branch payment request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via the short-range wired communication medium of the direct communication method between the VoIP composite terminal 110 and the VoIP composite terminal 110 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generation unit 274 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 to the VoIP composite terminal 110 and the VoIP composite terminal 110 and the client terminal 105 located in a short distance through an optical communication medium, the information The generation unit 274 preferably generates branch payment request information transmitted through the optical communication medium.

Alternatively, when the communication channel is connected between the VoIP composite terminal 110 and the gateway (or platform operating server 100) on the communication network through a wired communication medium by the communication channel connection unit 260, the information generating unit 274 ) 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 110 and the gateway (or platform operating server 100) on the communication network by the communication channel connection unit 260, the information generating unit 274 ) 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 274, the information transmission unit 276 transmits the branch payment request information through a communication channel connected through the second communication medium. .

When the information transmitter 276 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 276 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 transmission unit 276, if a 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 received and output through the screen output unit 210.

Referring to FIG. 2, the VoIP composite terminal 110 may include a screen output unit for reservation / reservation of a ticket through selective payment (or financial transaction) processing according to a communication medium identification according to an embodiment of the present invention. If a ticket reservation / advance menu is selected through the key input unit 215 among the plurality of menus output through the menu 210, the communication medium check unit 284 confirmed in association with the memory unit 225. Confirmation of 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 110 is currently connected) And a section 266, a mode selection interface for selecting a second communication medium to process the ticket reservation / reservation among the second communication mediums, and through the key input unit 215, for ticket reservation / reservation target second communication. When choosing a medium, A mode switching unit 268 for switching the operation mode of the VoIP composite terminal 110 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 connecting unit 260 for connecting the communication channel for processing the ticket reservation / reservation via the selected second communication medium, and the key input unit 215 when connecting the communication channel through the second communication medium. Receives ticket reservation / reservation information and ticket reservation / reservation security information for ticket reservation / booking processing through the second communication medium through the card reader unit 205 through the card information read from the customer card The interface output unit 270 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 272 for input processing of information and card information.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 110 includes at least one of a 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 210. Outputs a plurality of menus, and when the ticket reservation / advance menu is selected among the plurality of menus through the key input unit 215, the information checking unit 266 is confirmed by the communication medium checking unit 284. A first medium information corresponding to the first communication medium (or the first communication medium to which the VoIP composite terminal 110 is currently connected) and includes a first medium information in association with the memory unit 225. 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 210 to determine the at least one or more second communication mediums. And outputting a mode selection interface for selecting a second communication medium to process the ticket reservation / reservation, and selecting the second communication medium for ticket reservation / reservation through the key input unit 215. The operation mode of 110 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 110 via the packet-switched short-range wireless communication medium for ticket reservation / reservation request information generated by the VoIP complex terminal 110. And a ticket mode which transmits to 105 to process the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium may include a client terminal located near the VoIP complex terminal 110 through a short range wireless communication medium of the ticket reservation / reservation request information generated by the VoIP complex terminal 110. 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 110 through the short-range wired communication medium of the ticket reservation / reservation request information generated in the VoIP composite terminal 110. 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 110 via the short distance wired communication medium of the ticket reservation / reservation request information generated in the VoIP composite terminal 110. 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 110 to the client terminal 105 located at a short distance from the VoIP composite terminal 110 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 110 to a gateway (or platform operation server 100) 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 110 to a gateway (or platform operation server 100) 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 110 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 the client terminal 105 located at a short distance with the VoIP composite terminal 110 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 a client terminal 105 located at a short distance with the VoIP composite terminal 110 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 a client terminal 105 located at a short distance with the VoIP composite terminal 110 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 from the VoIP composite terminal 110 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 110 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 100) 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 100) 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 270 is used for ticket reservation / booking processing through the second communication medium through the key input unit 215. Receives ticket reservation / reservation information (eg, reservation amount) and ticket reservation / reservation security information (eg, card password, platform OTP, etc.), and inputs card information read from a customer card through the card reader 205. 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 215 It is preferable to include a user interface for receiving security information (for example, card password, platform OTP, etc.), and preferably comprises a user interface for requesting to read the customer card through the card reader unit 205. .

If the customer card is an IC card and the card reader unit 205 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 110, by the communication channel connection unit 260. 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 110 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 thereby.

After the ticket reservation / reservation interface for each communication medium is output by the interface output unit 270, the information input unit 272 transmits the ticket reservation / reservation information (e.g., the reservation price) through the key input unit 215. 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 272 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 205 based on the ticket reservation / booking interface for each communication medium, the information input unit 272 is connected with the card reader unit 205 to the card information. Characterized in that the input processing.

2, the VoIP composite terminal 110, 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 110 is connected by 260 and the received card transaction message are read to include ticket reservation / advance information. The message confirming unit 264 for confirming and the first communication medium (or the first communication medium receiving the card transaction message) confirmed by the communication medium checking unit 284 when checking the ticket reservation / advance information. Confirm the corresponding first communication medium information, and determine a second communication medium corresponding to the ticket reservation / advance information, from among the second communication medium information associated with the first communication medium information in association with the memory unit 225. 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 110 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 215 and a card read from a customer card through the card reader unit 205. An interface output unit 270 for outputting a ticket reservation / reservation interface for each communication medium receiving 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 (272).

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 110 is connected to a first communication medium by the communication channel connection unit 260, the VoIP composite terminal 110 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 the message confirming unit 264 confirms that the card transaction message includes the ticket reservation / advance information, the information confirming unit 266 cooperates with the communication medium confirming unit 284 and the card transaction message. Identify the first communication medium that has received the information, and confirm at least one ticket processing information including communication medium switching information including first medium information in association with the memory unit 225, and confirm the 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 invention, 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 225. Near field communication of the VoIP complex terminal 110, 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 of the packet-switching method to communicate 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, 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 110 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 225. 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 110 and the client terminal 105 located in a short distance through the short-range wireless communication medium of the packet exchange 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 110 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 110 and the client terminal 105 located in a short distance through the short-range wired communication medium of the packet exchange 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 may be connected to the VoIP composite terminal 110 and the client terminal 105 located at a short distance through a short distance wired communication medium of the 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 110 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 100) 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 the gateway (or the platform operation server 100) on the communication network through the 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 that receives the card transaction message in the operation mode of the VoIP composite terminal 110. 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 110 by the mode switching unit 268 corresponding to the second communication medium When the mode is switched to the ticket mode, the interface output unit 270 may use the key input unit 215 for ticket reservation / booking security information (eg, card password, platform) for ticket reservation / booking 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 205.

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 215 It is preferable to include a user interface that receives the input, preferably through a user interface for requesting to read the customer card through the card reader unit 205.

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 110, by the communication channel connection unit 260. 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 110 is used as a card reader for the ticket reservation / reservation process). In addition, 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 the present invention is not limited thereto.

After the ticket reservation / advance interface for each communication medium is output by the interface output unit 270, the information input unit 272 transmits the ticket reservation / advance security information (eg, a card password) through the key input unit 215. , 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 272 ) 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 110 includes at least one of the input ticket reservation / advance information, ticket reservation / advance security information, and card information to reserve a ticket corresponding to the second communication medium. Information generation unit 274 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. It is characterized by comprising (276).

When the card information is input through the information input unit 272 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 274 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 110 and the VoIP composite terminal 110 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 274 preferably generates ticket reservation / reservation request information transmitted through the short-range wireless communication medium.

Alternatively, a communication channel through a short range wireless communication medium of a direct communication method between the VoIP composite terminal 110 and the VoIP composite terminal 110 and the client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generator 274 preferably generates ticket reservation / reservation 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 110 and the VoIP composite terminal 110 and the client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generation unit 274 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 the short-range wired communication medium of the direct communication method between the VoIP composite terminal 110 and the VoIP composite terminal 110 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generation unit 274 preferably generates 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 to the VoIP composite terminal 110 and the VoIP composite terminal 110 and the client terminal 105 located in a short distance through an optical communication medium, the The information generator 274 preferably generates ticket reservation / reservation request information transmitted through the optical communication medium.

Alternatively, when the communication channel is connected between the VoIP composite terminal 110 and the gateway (or platform operating server 100) on the communication network through a wired communication medium by the communication channel connection unit 260, the information generating unit 274 ) 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 110 and the gateway (or platform operating server 100) on the communication network by the communication channel connection unit 260, the information generating unit 274 ) 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 274, the information transmission unit 276 transmits the ticket reservation / reservation request information through a communication channel connected through the second communication medium. It is characterized by.

The information transmitter 276 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 276 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 276, and when the ticket reservation / reservation corresponding to the ticket reservation / reservation request information is processed, the ticket reservation is performed through the message receiver 262. It is preferable that a message including the ticket result information is received and output through the screen output unit 210.

2, the VoIP composite terminal 110, the screen output unit 210 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 215 from among a plurality of menus output through the first menu, the first confirmed by the communication medium checking unit 284 in association with the memory unit 225. An information checking unit for identifying at least one second communication medium information included in the charging processing information including first medium information corresponding to a communication medium (or a first communication medium to which the VoIP composite terminal 110 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 mediums, and selecting the second communication medium to be charged with electronic money through the key input unit 215, Prize A mode switching unit 268 for switching the operation mode of the VoIP composite terminal 110 to a charging mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information, and 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 215 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 unit 205 The electronic money charging information and the electronic money charging security information through an interface output unit 270 for outputting a money charging interface and the electronic money charging interface for each communication medium; An information input unit 272 for inputting card information is provided.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 110 includes at least one of a 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 210. Outputs a plurality of menus, and when the electronic money charging menu is selected from the plurality of menus through the key input unit 215, the information checking unit 266 is checked by the communication medium checking unit 284. A communication medium including first media information corresponding to a first communication medium (or a first communication medium to which the VoIP composite terminal 110 is currently connected) and including first media information in association with the memory unit 225. 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 210 to determine the at least one or more second communication mediums. And a mode selection interface for selecting a second communication medium to process the electronic money charging. When selecting a second communication medium to be charged with electronic money through the key input unit 215, the VoIP terminal 110 (B) is 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 110 through a packet-switched short-range wireless communication medium for the electronic money charging request information generated by the VoIP complex terminal 110. 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 compound terminal 110 through the short-range wireless communication medium of the electronic money charging request information generated by the VoIP compound terminal 110 ( 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 110 through a short-range wired communication medium of the electronic money charging request information generated by the VoIP composite terminal 110. 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 110 through the short-range wired communication medium of the electronic money charging request information generated by the VoIP composite terminal 110. 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 110 is transmitted to the client terminal 105 located near the VoIP composite terminal 110 through the 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 110 is transmitted to a gateway (or platform operation server 100) on the communication network through a wired communication medium to the electronic money. It is preferable to include a charging mode for processing the charging.

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 110 is transmitted to a gateway (or platform operation server 100) 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 110 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 in the short-range with the VoIP composite terminal 110 through a short-range wireless communication medium of the packet exchange 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 110 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 electronic money charging request information to the client terminal 105 located at a short distance with the VoIP composite terminal 110 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 transmits the electronic money charging request information to the client terminal 105 located at a short distance with the VoIP composite terminal 110 through a short distance wired communication medium of a 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 110 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 100) 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 100) 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 270 uses the key input unit 215 for electronic money charging processing through the second communication medium. Communication medium for receiving money charging information (eg, amount of charge) and electronic money charging security information (eg, card password, platform OTP, etc.), and reading card information read from a customer card through the card reader 205. 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, a charging amount) and electronic money charging security information (for example, a charging amount) for the electronic money charging process through the key input unit 215. , 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 205.

If the customer card is an IC card and the card reader unit 205 includes an IC reader unit, the electronic money charging interface for each communication medium uses 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 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 110, by the communication channel connection unit 260. Is connected, when the electronic money charging request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 110 is used as a card reader for the electronic money charging process), the communication The electronic money charging interface for each 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, a card password, platform OTP, etc.). This is not limited.

After the electronic money charging interface for each communication medium is output by the interface output unit 270, the information input unit 272 transmits the electronic money charging information (for example, a charged amount) and the electronic value through the key input unit 215. Characterized in that the input charging security information (for example, card password, platform OTP).

According to another exemplary embodiment of the present invention, a user interface for receiving the electronic money charging information (for example, a charge amount) and electronic money charging security information (for example, a card password, a platform OTP, etc.) into the electronic money charging interface for each communication medium If some of the information is omitted, the information input unit 272 may not process the 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 205 based on the electronic money charging interface for each communication medium, the information input unit 272 connects the card information with the card reader unit 205. Characterized in that the input processing.

2, the VoIP composite terminal 110 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 110 is connected by 260 and the received card transaction message are read to check 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 284 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 225 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; When the communication channel is connected through a communication medium, the mode switching unit 268 for switching the operation mode of the VoIP composite terminal 110 to a charging mode for each communication medium including the first communication medium information and the second communication medium information; Receiving electronic money charging security information for electronic money charging processing through the second communication medium through the key input unit 215 and receiving card information read from a customer card through the card reader unit 205. An interface output unit 270 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 (272) characterized by comprising.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 110 is connected to a first communication medium by the communication channel connection unit 260, the VoIP composite terminal 110 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 it is confirmed by the message confirming unit 264 that the electronic money charging information is included in the card transaction message, the information confirming unit 266 associates the card transaction message with the communication medium confirming unit 284. Confirm the received first communication medium, check at least one charging process information including communication medium switching information including first media information in association with the memory unit 225, 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 225. A near field communication terminal of the packet exchange method, a near field wireless communication medium of the direct communication method, a short distance wire communication medium of the packet exchange method to communicate with the client terminal 105 connected to the electronic money charging page near the composite terminal 110 , Or it is preferable to automatically check any one of a short distance wired communication medium or an optical communication medium of the direct communication method as the second communication medium, and the electronic money charging page URL is included according to the intention of a person skilled in the art. Even if the VoIP communication terminal 110 is connected to the wireless communication medium or wired communication medium may be automatically confirmed as the second communication medium. The.

According to another exemplary embodiment of the present invention, 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 225. 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 110 and the client terminal 105 located in a short distance through the short-range wireless communication medium of the packet exchange 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 110 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 110 and the client terminal 105 located in a short distance through the short-range wired communication medium of the 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 110 and the client terminal 105 located at a short distance through a short distance 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 electronic money charging request information.

Alternatively, the communication channel connection unit 260 transmits the electronic money charging request information to the client terminal 105 located near the VoIP composite terminal 110 through the optical communication medium identified by the information checking unit 266. It is preferable to connect the optical communication channel for transmitting the.

Alternatively, the communication channel connection unit 260 transmits the electronic money charging request information to the gateway (or the platform operation server 100) on the communication network through the 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 a gateway (or platform operation server 100) 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 that receives the card transaction message in the operation mode of the VoIP composite terminal 110. 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.

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 110 is transmitted to a gateway (or platform operation server 100) on the communication network through a wired communication medium to charge the electronic money. It is preferable to include a charging mode for processing.

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 110 by the mode switching unit 268 corresponding to the second communication medium When the charging mode is switched to each other, the interface output unit 270 uses electronic key charging security information (eg, card password, platform OTP, etc.) for the electronic money charging process through the key input unit 215. ), And outputs an electronic money charging interface for each communication medium that receives the card information read from the customer card through the card reader unit 205.

Here, the electronic money charging interface for each communication medium receives electronic money charging security information (for example, card password, platform OTP, etc.) for the electronic money charging process through the key input unit 215. 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 205.

If the customer card is an IC card and the card reader unit 205 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 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 110, by the communication channel connection unit 260. Is connected, when the electronic money charging request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 110 is used as a card reader for the electronic money charging process), the communication 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 270, the information input unit 272 uses the key input unit 215 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 (for example, card password, platform OTP, etc.) is omitted from the electronic money charging interface for each communication medium, the information input unit 272 may be used. The information corresponding to the omitted user interface may not be inputted, and the present invention is not limited thereto.

Referring to FIG. 2, the VoIP composite terminal 110 includes at least one of the input electronic money charging information, electronic money charging security information, and card information, and requests for electronic money charging corresponding to the second communication medium. An information generator 274 for generating information and an information transmitter 276 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 through the information input unit 272 and the electronic money charging information and the electronic money charging security information are input and processed according to an implementation method, the information generating unit 274 performs the input processing of the 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 110 and the VoIP composite terminal 110 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 274 preferably generates the electronic money charging request information transmitted through the short-range wireless communication medium of the packet exchange method.

Alternatively, a communication channel through a short range wireless communication medium of a direct communication method between the VoIP composite terminal 110 and the VoIP composite terminal 110 and the client terminal 105 located in a short distance by the communication channel connection unit 260. When connected, the information generator 274 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 110 and the VoIP composite terminal 110 and the client terminal 105 located at a short distance by the communication channel connection unit 260. When connected, the information generation unit 274 preferably generates the electronic money charging request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via the short-range wired communication medium of the direct communication method between the VoIP composite terminal 110 and the VoIP composite terminal 110 and the client terminal 105 located in the near by the communication channel connection unit 260 When connected, the information generator 274 preferably generates the 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 to the VoIP composite terminal 110 and the VoIP composite terminal 110 and the client terminal 105 located in a short distance through an optical communication medium, the information The generation unit 274 preferably generates electronic money charging request information transmitted through the optical communication medium.

Alternatively, when the communication channel is connected between the VoIP composite terminal 110 and the gateway (or platform operating server 100) on the communication network through a wired communication medium by the communication channel connection unit 260, the information generating unit 274 ) 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 110 and the gateway (or platform operating server 100) on the communication network by the communication channel connection unit 260, the information generating unit 274 ) 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 generating unit 274, the information transmitting unit 276 transmits the electronic money charging request information through a communication channel connected through the second communication medium. It is done.

The information transmitter 276 transmits the electronic money charging request information through a communication channel connected through the second communication medium, and includes at least one key data in the charging processing information including the second communication medium information. Is included, the information transmitter 276 preferably transmits the electronic money charging request information by encrypting the key data.

Those skilled in the art 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 will be omitted for convenience. Shall be.

After the electronic money charging request information is transmitted by the information transmitting unit 276, 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 210.

3 is a diagram illustrating an operation process of the VoIP composite terminal 110 for searching for a communication medium for selective payment processing according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a wide area communication medium in which an operation mode of the VoIP composite terminal 110 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 110 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.

3, the VoIP composite terminal 110 shown in FIG. Or a device), and a device or a 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. In the voice call mode corresponding to the call 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 (300).

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 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 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 (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 Media information and payment processing information for each communication medium are linked and stored in the memory unit 225 (or security application module 245) (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 may include first communication medium information for receiving the payment information and the payment. And second communication medium information for transmitting payment request information including card information read through the card reader unit 205.

Alternatively, when the payment information for the payment processing is input through the key input unit 215, the communication medium switching information may include the payment information input through the key input unit 215 and the card reader unit 205. 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 225 (or the security application module 245) 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 225 (or the security application module 245) and stored (350), and the process is performed for the short range communication medium connectable to the terminal. Repeat periodically (355).

Thereafter, the terminal transmits the searched at least one communication medium information to the platform operation server 100 on the communication network and stores the information on the platform operation D / B (360).

4 is a flowchart illustrating an operation of the VoIP composite terminal 110 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 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 110 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 110 for the process of searching for at least one or more communication media for processing a selective financial transaction according to the communication medium identification, if one of ordinary skill in the art to which the present invention belongs, Communication medium for selective financial transaction processing according to the communication medium identification by referring to and / or modifying the Figure 4 Various implementation methods for the process of searching for 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.

Hereinafter, in FIG. 4, the VoIP composite terminal 110 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 ( Or a device), and a device or a 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 the banking processing information for each communication medium are linked to each other and stored in the memory unit 225 (or the security application module 245) (425), and the process is performed periodically for all the wide area communication media connectable 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 unit 205.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 215, the communication medium switching information may be the financial transaction information input through the key input unit 215 and the card reader unit 205. 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, the banking processing information for each communication medium is stored in the memory unit 225 (or the security application module 245) 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 near field is found (440), the terminal checks the communication medium information corresponding to the device (or server) found in the near field through the channel discovery protocol (445), The communication medium information and the banking processing information for each communication medium are linked and stored in the memory unit 225 (or the security application module 245) (450), and the process is performed for a short range communication medium connectable to the terminal. Repeat periodically (455).

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 215, the communication medium switching information may be the financial transaction information input through the key input unit 215 and the card reader unit 205. It is preferable to include the second communication medium information for transmitting the financial transaction request information including the card information that is read through), wherein the first communication medium connected to the terminal before the financial transaction processing is the second communication medium It is possible that the communication medium such as, or may include other communication media.

Thereafter, the terminal transmits the found at least one communication medium information to the platform operation server 100 on the communication network and stores the information on the platform operation D / B (460).

FIG. 5 is a diagram illustrating an operation process of the VoIP composite terminal 110 for searching for a communication medium for payment of giro through the selective payment (or financial transaction) according to the communication medium identification according to the embodiment of the present invention.

In more detail, FIG. 5 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 110 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. In the VoIP composite terminal 110, a process for searching for at least one communication medium for processing a payment through a selective payment (or financial transaction) in accordance with the communication medium identification, the present invention belongs to If one of ordinary skill in the art, the selection according to the communication medium identification by referring to and / or modified in Figure 5 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 110 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 ( Or a device), and a device or a 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 225 (or security application module 245) in association with media processing information for each communication medium (525), and the process is performed periodically for all the wide area communication media that can be connected 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 unit 205.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 215, the communication medium switching information is inputted through the key input unit 215 and the card reader unit 205. And a second communication medium information for transmitting giro payment request information including card information read through), wherein the first communication medium to which the terminal is connected before the Jiro payment process 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 225 (or the security application module 245) 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 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 and the processing information for each communication medium are linked to each other and stored in the memory unit 225 (or the security application module 245) (550), and the process may be performed on the short range communication medium connectable to the terminal. Repeat periodically (555).

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 215, the communication medium switching information is inputted through the key input unit 215 and the card reader unit 205. 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.

Thereafter, the terminal transmits the found at least one communication medium information to the platform operation server 100 on the communication network and stores the information on the platform operation D / B (560).

6 is a diagram illustrating an operation of the VoIP composite terminal 110 for searching for a communication medium for ticket reservation / prediction 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. 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 110 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 110 is a process for searching for at least one communication medium for processing the 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 110 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 ( Or a device), and a device or a 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 225 (or the security application module 245) in association with ticket processing information for each communication medium (625), and the process is performed periodically for all the wide area communication media connectable 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 unit 205. .

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 215, the communication medium switching information and the ticket reservation / reservation information input through the key input unit 215 And a second communication medium information for transmitting ticket reservation / reservation request information including card information read through the card reader unit 205, 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.

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 embodiment of the present invention, the ticket processing information for each communication medium is stored in the memory unit 225 (or the security application module 245) 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 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 and the ticket processing information for each communication medium are linked and stored in the memory unit 225 (or security application module 245) (650), and the process is performed for a short range communication medium connectable to the terminal. Repeat periodically (655).

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 to receive the ticket reservation / reservation information And a second communication medium information for transmitting ticket reservation / reservation request information including first communication medium information, the ticket reservation / reservation information, and card information read through the card reader unit 205. Do.

Or, when the ticket reservation / reservation information for the ticket reservation / reservation through the key input unit 215, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 215 and the And a second communication medium information for transmitting the ticket reservation / reservation request information including card information read through the card reader unit 205, wherein the terminal is connected to the first communication before the ticket reservation / reservation. The medium may be a communication medium such as the second communication medium, or may include another communication medium.

According to an embodiment of the present invention, the ticket processing information for each communication medium is linked to the memory unit 225 (or the security application module 245) in a deactivated state with a plurality of communication medium information that can be connected through the terminal. When stored, the terminal is preferably associated with the searched communication medium information to activate the ticket processing information for each stored communication medium.

Thereafter, the terminal transmits the searched at least one communication medium information to the platform operation server 100 on the communication network and stores the information on the platform operation D / B (660).

7 is a diagram illustrating an operation process of the VoIP composite terminal 110 for 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 110 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 complex terminal 110 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 the processing of electronic money charging 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 110 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 ( Or a device), and a device or a 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. 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 225 (or the security application module 245) 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 unit 205.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 215, the communication medium switching information may be the electronic money charging information and the card reader unit input through the key input unit 215. And a second communication medium information for transmitting the electronic money charging request information including card information read through 205, wherein 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 225 (or the security application module 245) 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 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 225 (or the security application module 245) 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).

According to an embodiment of the present invention, the charging processing information for each communication medium is stored in the memory unit 225 (or the security application module 245) 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.

Thereafter, the terminal transmits the found at least one communication medium information to the platform operation server 100 on the communication network and stores the information on the platform operation D / B (760).

8 is a diagram illustrating an operation process of the VoIP composite terminal 110 for the selective payment processing according to the communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates that when a payment menu is selected in the VoIP composite terminal 110 shown in FIG. 2, the payment is made through a predetermined communication medium among communication media discovered through the communication medium search process 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 110 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 225 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 processing the payment by transmitting the payment request information generated by the VoIP composite terminal 110 to the platform operation server 100 on the communication network through a wired communication medium. 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 by the VoIP composite terminal 110 to the platform operation server 100 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 110 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 110 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 110 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 110 and the client terminal 105 located at 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 110 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 payment request information to the platform operation server 100 on the communication network through 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 100 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 110 for the selective payment processing according to the communication medium identification according to another embodiment of the present invention.

In more detail, FIG. 9 shows 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 110 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 225, the 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 invention, it is preferable that the terminal automatically checks 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 225 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 225, 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 media information stored in the memory unit 225. 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).

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 110 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 110 shown in FIG. 2 will be 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 110 for the selective financial transaction processing according to the communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates that when the banking menu is selected in the VoIP composite terminal 110 shown in FIG. 2, the financial medium is determined 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 110 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), the banking for each communication medium including the first communication medium information in association with the memory unit 225 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 in which the financial transaction request information generated by the VoIP composite terminal 110 is transmitted to the platform operation server 100 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 may include a banking mode for processing the financial transaction by transmitting the financial transaction request information generated by the VoIP composite terminal 110 to the platform operation server 100 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 110 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 110 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 110 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 110 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 110 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 100 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 the platform operation server 100 on the communication network through a wireless communication medium.

If a communication channel is connected to the device or server through the second communication medium information for the financial transaction (1150), the terminal outputs a financial transaction interface for each communication medium corresponding to the second communication medium information for the financial transaction. In operation 1155, the financial transaction interface for each communication medium checks whether financial transaction information, financial transaction security information, or card information is 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 flowchart illustrating an operation of the VoIP composite terminal 110 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 110 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 110 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 225 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 225. 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 may include the financial transaction path code information among the communication medium information stored in the memory unit 225. 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).

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).

Thereafter, the terminal outputs a financial transaction interface for each communication medium corresponding to the second communication medium information for financial transaction (1250), and the 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 the financial transaction information, the financial transaction security information, and the card information input through the financial transaction processing process illustrated in FIG. 7 or FIG. 8 in the VoIP composite terminal 110 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 110 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 information. And generating financial transaction request information that can be transmitted to the second communication medium corresponding to the connected communication channel in the financial transaction processing process shown in FIG. 11 or 12, including card information (1300).

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 110 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 110 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 110 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 225. 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 110 to the platform operation server 100 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 by the VoIP composite terminal 110 to the platform operation server 100 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 110 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 connects the short range wireless communication channel for transmitting the branch payment request information to the VoIP composite terminal 110 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 may connect a short-range wired communication channel for transmitting the branch payment request information to the VoIP composite terminal 110 and the client terminal 105 located at a short distance through a short-range wired communication medium in a packet-switched manner. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the branch payment request information to the VoIP composite terminal 110 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 110 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 branch payment request information to the platform operation server 100 on the communication network through a wired communication medium.

Or, it is preferable that the terminal connects the wide area communication channel for transmitting the branch payment request information to the platform operation server 100 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 1460, the controller determines whether the payment information, the payment security information, and the card information are input through the 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 110 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 illustrated in FIG. 5 in the VoIP composite terminal 110 shown in FIG. In the case of receiving a message, the operation process of automatically checking through the second communication medium corresponding to the giro payment information to process the giro payment, if one 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) in accordance with the communication medium identification, but the present invention is inferred It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

In the following Figure 15, the VoIP composite terminal 110 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 transmits the giro payment information, the giro payment information, the ticket reservation / booking information, and the electronic money charging information in addition to the giro payment information in the card transaction message. The process of checking whether it is included 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 225. 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, if the giro payment page URL is included in the giro payment information, the terminal of the communication medium information stored in the memory unit 225, near the terminal to the giro payment page A packet switched short-range wireless communication medium for direct communication with a connected client 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 It is preferable to automatically check any one of optical communication media as the second communication media, and according to the intention of a person skilled in the art, even if the page payment page URL is included, the wireless communication medium or the wired communication medium to which the terminal is connected. May be automatically confirmed by the second communication medium.

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 information on the giro payment path code information among communication media stored in the memory unit 225. 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).

Alternatively, the terminal may connect a short range wireless communication channel for transmitting the branch payment request information to the VoIP composite terminal 110 and the client terminal 105 located at a short distance through a short range wireless communication medium of a direct communication method. Do.

Or, it is preferable that the terminal connects the wide area communication channel for transmitting the branch payment request information to the platform operating server 100 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 the platform operation server 100 on the communication network through a wireless communication medium.

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 shows the giropayment information, the giropayment security information, and the card information input through the Giropayment process shown in FIG. 7 or FIG. 8 in the VoIP composite terminal 110 shown in FIG. The present invention relates to a process of generating giro payment request information including at least 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. By using the selective payment (or financial transaction) according to the communication medium can be inferred various implementation methods for the transaction process for the payment process of giro, but the present invention includes all the implementation methods inferred However, the technical features are not limited only to the implementation method illustrated in FIG.

In the following figure 16, the VoIP composite terminal 110 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 diagram illustrating an operation process of the VoIP composite terminal 110 for ticket reservation / reservation 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 illustrates a predetermined communication medium among communication media discovered through the communication medium searching process shown in FIG. 6 when a ticket reservation / presale menu is selected in the VoIP terminal 110 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.

In the following figure 17, the VoIP composite terminal 110 shown in FIG. 2 will be referred to as " terminal "

Referring to FIG. 17, 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. 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 225 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). .

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 110 to the platform operation server 100 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 110 to the platform operation server 100 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 the short range wireless communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 110 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 110 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 a short-range wired communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 110 and the client terminal 105 located in a short distance through a packet-switched short-range wired communication medium. 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 110 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 110 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 the platform operation server 100 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 100 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 110 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 / reservation 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 110 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, the general knowledge in the art If you have the same, it will be possible to infer various implementation methods for the process of ticket reservation / booking process through the selective payment (or financial transaction) according to the communication medium identification by referring to and / or modifying this figure 18. The present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG. .

In the following figure 18, the VoIP composite terminal 110 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 conjunction with the memory unit 225, 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 among the communication medium information stored in the memory unit 225. 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 225. Wireless communication medium or wired communication medium corresponding to the reservation path code information, 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-switched method, or a direct communication method. It is preferable that the communication medium of any one of the short-range wired communication medium or the optical communication medium of the automatic communication with 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 110 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 110 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 110 for electronic money charging processing through selective payment (or financial transaction) according to the communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 20 illustrates a case in which the electronic money charging menu is selected in the VoIP terminal 110 shown in FIG. 2, through a predetermined communication medium among the communication media discovered through the communication medium searching process shown in FIG. Regarding the operation process of processing the electronic money charging, those of ordinary skill in the art to which the present invention pertains, with reference to and / or modifying this figure 20, selective payment (or finance) according to the communication medium identification It will be possible to infer various implementation methods for the process for charging electronic money through the transaction), but the present invention includes all the implementation methods inferred above, the technical features only by the implementation method shown in FIG. This is not limited.

Hereinafter, the VoIP composite terminal 110 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), and the communication medium including the first communication medium information in association with the memory unit 225 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 110 is transmitted to the platform operation server 100 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 110 is transmitted to the platform operation server 100 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 110 and the client terminal 105 located in the short-range through a short-range wireless communication medium of the packet exchange method. desirable.

Alternatively, the terminal connects the short-range wireless communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 110 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 110 and the client terminal 105 located in the short-range via a packet-switched short-range wired communication medium. desirable.

Alternatively, the terminal connects a short-range wired communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 110 and the client terminal 105 located in a short distance through a short-range wired communication medium of a 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 110 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 electronic money charging request information to the platform operation server 100 on the communication network through a wired communication medium.

Or, it is preferable that the terminal connects the wide area communication channel for transmitting the electronic money charging request information to the platform operating server 100 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 110 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 110 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 of ordinary skill in the art 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 110 shown in Figure 2 is referred to as "terminal" for convenience.

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). ).

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

If the electronic card charging information is not included in the card transaction message (2115), the terminal exchanges the electronic money charging information, electronic money charging information, electronic money charging information, electronic money in addition to the electronic money charging information in the card transaction message. The process of checking whether the 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 225. 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 is located in the electronic device near the terminal among the communication medium information stored in the memory unit 225. 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 short-range wired communication of the direct communication method to communicate with the client terminal 105 connected to the money charging page It is preferable to automatically identify a communication medium of any one of a medium and an optical communication medium as the second communication medium, and a wireless communication medium to which the terminal is connected even when the electronic money charging page URL is included according to the intention of a person skilled in the art. Alternatively, the wired communication medium may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, if the electronic money charging path code information is included in the electronic money charging information, the terminal among the communication medium information stored in the memory unit 225, the electronic money charging path 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 Connect the communication channel with the server (2135).

Or, it is preferable that the terminal connects an optical communication channel for transmitting the electronic money charging request information to the client terminal 105 located at a short distance with the VoIP composite terminal 110 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 100 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 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.

22 is a diagram illustrating a transaction process 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. 22 shows the electronic money charging information, the electronic money charging security information, and the card input through the VoIP processing terminal shown in FIG. 7 or FIG. 8 in the VoIP composite terminal 110 shown in FIG. The present invention relates to a process of generating electronic money charging request information including at least one information and transmitting the same through the second communication medium. Those skilled in the art may refer to FIG. 22. 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 110 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).

23 is a diagram showing the configuration of an online card payment system using the VoIP composite terminal 110 with the selective payment (or financial transaction) function according to the communication medium identification according to the embodiment of the present invention.

In more detail, FIG. 23 illustrates a method of purchasing at least one product (or service) by accessing the shopping mall server 115 from a client terminal 105 provided at home, a store, an office, and the like. Or VoIP payment using the VoIP composite terminal 110 having a selective payment (or financial transaction) function according to the communication medium identification shown in FIG. 2 when the online payment is made for the payment amount corresponding to the purchase amount of the service). If a means is selected, card information (eg, credit card information, or check) is read through a card reader provided in the VoIP terminal 110 located at a short distance from the client terminal 105 according to the VoIP payment means selection. As a system configuration for processing the card payment for the payment amount based on the card information), having a general knowledge in the technical field to which the present invention belongs In this regard, various implementation methods for the online card payment system using the VoIP complex terminal 110 having the selective payment (or financial transaction) function according to the communication medium identification can be inferred by referring to and / or modifying the drawing 23. Although the present invention can be made, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 23, an online card payment system using the VoIP composite terminal 110 having a selective payment (or financial transaction) function according to the communication medium identification is a client terminal 105 provided in a home, a store, an office, and the like. Client system including a VoIP composite terminal 110 and various communication devices, a shopping mall server 115, a payment agent server 120, and a van server 130 connected to the client terminal 105 through an IP communication network. And a VoIP system including an online card payment system including a card company server 135 and a VoIP gateway 140 and a gatekeeper 145 connected to the VoIP composite terminal 110 through an IP communication network. And a VoIP composite terminal 110 on the client system, a payment server 120 and a van server 130 on the online card payment system, and a shop on a VoIP system. In conjunction with the gatekeeper (145) including platform management server 100 to provide a platform to process on-line credit card payment services using the VoIP compound terminal 110 it is characterized in that formed.

The client system constituting the online card payment system using the VoIP composite terminal 110 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 110 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 110. And a packet exchange between the wireless AP (or wireless IP sharer) connecting the client terminal 105 and the VoIP composite terminal 110 to an IP communication network, or between the client terminal 105 and the VoIP composite terminal 110. A hub (or an IP router) for providing a short-range wired communication medium, and at least one communication modem for connecting the client terminal 105 and the VoIP composite terminal 110 to an IP communication network. .

Alternatively, the short range wireless communication means of the direct communication method may connect the VoIP composite terminal 110 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 the skilled person, thereby the present invention This is not limited.

The VoIP composite terminal 110 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. Connects a voice call channel with a wired telephone connected to a terminal, a mobile phone connected to a Code Division Multiple Access (CDMA) / Wide-CDMA (WCDMA) based mobile communication network, and a telephone network including a public switched telephone network (PSTN) / intelligence network. 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 a wired communication medium using a hub (or IP router) and a communication modem. It is characterized by.

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 router) connected to the VoIP composite terminal 110 and a short distance are connected to each other through a wireless access point, and the wireless AP (or wireless IP router) is connected to 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 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 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 110. (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 infrared communication according to the Infrared Data Association (IrDA) standard and infrared communication according 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 card payment system using the VoIP composite terminal 110 is connected to the client terminal 105 through an IP communication network, provides an online store to the client terminal 105, A shopping mall server 115 that sells goods (or services) provided in an online store, a payment agency server 120 that provides a payment module in a plug-in form to the shopping mall server 115, and the payment agency server 120. Receive the payment approval request information requested from), the van server 130 for providing the payment approval request information to the card company server 135, the van server 130 is connected through a dedicated network, the payment approval request Characterized in that it comprises a card company server 135 to approve the card payment corresponding to the information.

According to the present invention, the payment means selection module further comprises a user interface for selecting a VoIP payment means for processing the online card payment using the VoIP composite terminal 110, the VoIP payment means It includes a payment means for payment processing the payment amount using the card information read through the card reader provided in the VoIP composite terminal 110.

According to the present invention, in order to process the online card payment using the VoIP composite terminal 110, the payment module for each payment means is selected as the VoIP payment means in the payment means selection module. A user interface for inputting a VoIP phone number assigned to the composite terminal 110, a VoIP phone number including the user interface, payment amount information calculated by the shopping cart module, and the shopping mall server 115 And a VoIP payment module for transmitting payment information including merchant information corresponding to an online store to the platform operation server 100 through a communication network, and then the payment settlement corresponding to the payment information is performed by the client. It is preferable to be processed through the VoIP composite terminal 110 provided in the system.

The VoIP system constituting the online card payment system using the VoIP composite terminal 110 includes a VoIP gateway 140 connected to the VoIP composite terminal 110 through an IP communication network, the VoIP composite terminal 110, or The mobile terminal includes subscriber information on a conventional VoIP terminal, and includes the VoIP composite terminal 110 and at least one other call 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 the voice call channel by performing a call processing procedure between wired telephones connected to the telephone network.

According to the present invention, in order to process the online card payment using the VoIP composite terminal 110, the gatekeeper 145 sends a card transaction message including the payment information according to the message exchange protocol defined in the VoIP system. Characterized in that the transmission to the VoIP composite terminal 110 through the VoIP gateway 140.

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

In addition, the platform operation server 100 is characterized in that the communication is connected to the payment server 120 on the online card payment system through a communication network, when the online card payment processing using the VoIP composite terminal 110, the payment Characterized in that the payment information provided from the shopping mall server 115 from the agency server 120.

In addition, the platform operation server 100 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 card payment processing using the VoIP composite terminal 110 ( When the payment information is received from 120, a card transaction message including the payment information is generated and transmitted to the gatekeeper 145 on the VoIP system.

The platform operation server 100 may further include subscriber information including the VoIP composite terminal 110 shown in FIG. 2 among the VoIP subscribers subscribed to the VoIP system, the VoIP composite terminal 110 information, and the VoIP. And a platform operation D / B 2355 for linking and storing various key management information for the composite terminal 110.

Here, the subscriber information is unique information (for example, subscriber name, social security number, address, e-mail address, contact information) of the subscribers having the VoIP composite terminal 110 shown in FIG. 2 among the VoIP subscribers subscribed to the VoIP system. Etc.) is preferable.

In addition, the VoIP composite terminal 110 information, preferably comprises a terminal identification information contained in the VoIP composite terminal 110 provided to the subscriber, the VoIP composite terminal 110 for managing the VoIP composite terminal 110 (110) It is preferable to further include the model information, communication medium information detected by the VoIP composite terminal 110, 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 110 may include wide area communication media information and at least one short-range communication medium information discovered by the VoIP composite terminal 110 shown in FIG. .

The key management information may include decryption key data for decrypting the encrypted payment request information when the payment request information received from the VoIP composite terminal 110 is encrypted. It is preferable to further include key generation information, key download / update management information, etc. for managing various key data provided to the terminal 110.

According to an embodiment of the present invention, the platform operation server 100 is connected to the platform operation D / B (2355) terminal management unit (not shown) for managing the VoIP composite terminal 110, and the key management information And a key management unit (not shown) for managing various keys for the VoIP composite terminal 110 based on the above. For convenience, in the configuration of the platform operation server 100 shown in FIG. And key management section will be omitted.

Referring to FIG. 23, the platform operation server 100 includes a VoIP phone number corresponding to the VoIP composite terminal 110 shown in FIG. 2 from the payment agency server 120 and the VoIP composite terminal 110. Payment (2315) (2300) (or payment information receiving means) for receiving payment information including payment amount information to be processed through the payment, and merchant information corresponding to the online store provided in the shopping mall server 115; Validation unit 2320 (or validation means) for confirming the validity of the VoIP phone number included in the payment information in connection with the platform operation D / B (2355), and includes the payment information when the validation A message generating unit 2325 (or message generating means) for generating a card transaction message, and a message transmitting unit for processing the card transaction message to be transmitted to the VoIP composite terminal 110 through the gatekeeper 145 ( 2345) (or me Message transmission means).

The client terminal 105 accesses the shopping mall server 115 to purchase at least one or more goods (or services), and online for a payment amount corresponding to the purchase amount of the at least one or more goods (or services). During payment, the payment agent server 120 provides a payment method selection interface to the client terminal 105 through the shopping mall server 115, and the payment method selection interface identifies the communication medium shown in FIG. 2. It characterized in that it comprises a user interface for selecting a VoIP payment means using the VoIP composite terminal 110 with a selective payment (or financial transaction) function according to.

When the VoIP payment method is selected through the payment method selection interface, the payment agent server 120 enters a VoIP phone number input interface for inputting a VoIP phone number to the client terminal 105 through the shopping mall server 115. If the VoIP phone number assigned to the VoIP composite terminal 110 having the selective payment (or financial transaction) function according to the communication medium identification shown in FIG. 2 is input through the VoIP phone number input interface, The payment agent server 120 includes a VoIP phone number input through the VoIP phone number input interface, and includes payment amount information corresponding to a purchase price of a product (or service) purchased through the client terminal 105. Generating payment information including merchant information corresponding to the online store provided in the shopping mall server 115 to the platform operation server 100. In response, the payments 2315 and 2300 may receive payment information including the VoIP phone number, payment amount information, and merchant information through the communication network.

Here, the payment amount information included in the payment information, including the amount of the sum of the purchase amount of the product (or service) purchased through the client terminal 105, but purchased through the client terminal 105 It is preferable that the product (or service) information, the purchase price information for each product (or service) is further included.

In addition, the affiliated store information included in the payment information is provided to the payment agency information (for example, the online payment request entity requesting the card payment) and the online store provided in the shopping mall server 115. It is preferable to include corresponding merchant name information.

According to an embodiment of the present invention, the payment information may further include payment page URL information and payment path code information.

If the payment information further includes the payment page URL information, the client terminal 105 accessing the payment page URL through a local area communication medium is a payment path through the VoIP composite terminal 110 shown in FIG. It may be selected as a route via), whereby the present invention is not limited.

Alternatively, when the payment information further includes the payment path code information, the payment path through the VoIP composite terminal 110 shown in FIG. 2 may be selected as a path corresponding to the payment path code. The present invention is not limited thereby.

Those skilled in the art to which the present invention pertains can infer various information configurations included in the payment information according to the intention of the person skilled in the art, in addition to the information constituting the above-described payment information, the present invention is inferred It is characterized by consisting of all the information configuration.

According to another exemplary embodiment of the present invention, when the shopping mall server 115 is a large shopping mall that may have a payment agent function, the payment agent server 120 may be omitted or the function of the payment agent server 120 may be omitted. The shopping mall server 115 may be provided. In this case, the payment 2315 and 2300 may include the VoIP phone number, the payment amount information, and the merchant information from the shopping mall server 115 through the communication network. It is possible to receive payment information, and thereby the present invention is not limited.

When the payment information is received by the payment (2315) (2300), the validity check unit 2320 is included in the VoIP composite terminal 110 information and the payment information stored in the platform operation D / B (2355) The VoIP terminal 110 having a selective payment (or financial transaction) function according to the communication medium identification shown in FIG. 2 in which the VoIP terminal corresponding to the VoIP phone number included in the payment information is compared by comparing the VoIP phone number. It is characterized by checking whether or not.

If the result of the check is that the VoIP telephone number included in the payment information matches the VoIP composite terminal 110 shown in FIG. 2, the message generator 2325 is configured according to the message exchange protocol provided in the VoIP system. And generating a card transaction message including payment information.

According to an embodiment of the present invention, the message generating unit 2325 sets payment path information for setting a path for receiving payment request information generated in the VoIP composite terminal 110 in payment information included in the card transaction message. It is preferable to further include, or to modify the predetermined payment path information to the path set to receive the payment request information in the platform operation server 100.

The message transmitter 2345 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 110 shown in 2.

Referring to FIG. 23, the platform operation server 100 may transmit the VoIP composite terminal 110 through an IP communication network through an IP communication network corresponding to the second communication medium of the VoIP composite terminal 110 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 composite terminal 110 shown in FIG. 2 includes a short range communication medium between the VoIP composite terminal 110 and the client terminal 105 located at a short distance, the interface unit ( 2305 is a feature of connecting a communication channel through a IP communication network with a client terminal 105 connected with a second communication medium of the VoIP composite terminal 110 and a short-range communication channel.

Referring to FIG. 23, the platform operation server 100 may include payment information including the VoIP phone number, payment amount information, and merchant information from the VoIP composite terminal 110 shown in FIG. 2 through an IP communication network; Receiving (2315) (or information receiving means) receiving payment request information including card information read through a card reader provided in the VoIP composite terminal 110, and checking the validity of the received payment request information. Card for processing the card payment by transmitting to the van server 130, the validity verification unit 2320 (or validity verification means) and the payment amount information, merchant information and card information included in the validity of the payment request information And a payment processing unit 2350 (or a card payment processing unit), and when the payment request information includes platform OTP, a platform for authenticating the platform OTP. It is characterized in that it further comprises an OTP processing unit 2340 (or platform OTP processing means).

According to an embodiment of the present invention, when the VoIP composite terminal 110 shown in FIG. 2 receives a card transaction message including the payment information, the VoIP payment terminal shown in FIG. Through the illustrated transaction process, payment information including the VoIP phone number, payment amount information, and merchant information is generated, and payment request information including card information read through a card reader provided in the VoIP composite terminal 110 is generated. In response to the transmission via the IP communication network, in response to 2315, the VoIP information from the VoIP composite terminal 110 through the IP communication network, the payment information including the telephone number, payment amount information and merchant information, and the VoIP composite It is characterized in that for receiving the payment request information including the card information read through the card reader provided in the terminal (110).

According to another exemplary embodiment of the present invention, the VoIP composite terminal 110 shown in FIG. 2 is selected through a payment process shown in FIG. 8 and a transaction process shown in FIG. 10 by selecting a payment menu. Payment information including VoIP phone number, payment amount information and merchant information, and payment request information including card information read through a card reader provided in the VoIP composite terminal 110 are generated and transmitted through the IP communication network. Correspondingly, the 2315 is the payment information including the phone number, payment amount information and merchant information from the VoIP composite terminal 110 through the IP communication network, and the VoIP composite terminal 110 is provided. Characterized in that the payment request information including the card information read through the card reader.

According to another exemplary embodiment of the present invention, the VoIP composite terminal 110 shown in FIG. 2 includes payment information including the VoIP phone number, payment amount information and merchant information according to selection of a second communication medium, and It is possible to generate payment request information including the card information read through the card reader provided in the VoIP composite terminal 110 and provide it to the client terminal 105 through a second communication medium including a near field communication medium. In this case, the client terminal 105 may transmit the payment request information to the platform operation server 100 through the IP communication network, or to the payment agency server 120, thereby transmitting the present invention. This is not limited.

According to another exemplary embodiment of the present invention, the VoIP composite terminal 110 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 based on the card information read through the VoIP composite terminal 110.

When the payment request information is received through the 2315, when the received payment request information is encrypted, the validity confirming unit 2320 is connected to the platform operation D / B 2355 and the encrypted payment request information. It is preferable to check the decryption key for the and decrypt the payment request information through the decryption key.

In addition, the validity check unit 2320 is compared to the VoIP phone number included in the payment request information and the VoIP composite terminal 110 information provided in the platform operation D / B (2355) included in the payment request information It is preferable to check whether the VoIP terminal corresponding to the VoIP telephone number is the VoIP composite terminal 110 having the selective payment (or financial transaction) function according to the communication medium identification shown in FIG.

When the platform OTP is included in the payment request information received through the 2315, the platform OTP processing unit 2340 provides a platform OTP generating program to the client terminal 105 in association with the payment agency server 120. Thereafter, the platform OTP generated through the platform OTP generation program and output on the screen of the client terminal 105 is input through the VoIP composite terminal 110, and the input platform OTP is the payment request. It is included in the information, characterized in that received through the 2315.

Alternatively, when the platform OTP is included in the payment request information received through 2315, the platform OTP processing unit 2340 generates a platform OTP to be provided to the client terminal 105 and associates with the redundancy server. Characterized in that the transmission to the client terminal 105 outputs, the platform OTP output on the screen of the client terminal 105 is input through the VoIP composite terminal 110, the input platform OTP is the payment request It is included in the information, characterized in that received through the 2315.

Alternatively, when the platform OTP is included in the payment request information received through 2315, the platform OTP processing unit 2340 inputs a platform OTP to the screen of the client terminal 105 in association with the payment agency server 120. After outputting the interface, a platform OTP to be provided to the VoIP composite terminal 110 is generated and transmitted to the VoIP composite terminal 110 (for example, to the VoIP composite terminal 110 according to the message exchange protocol provided in the VoIP system). Or to the VoIP composite terminal 110 through an IP communication network). Then, the platform OTP output to the VoIP composite terminal 110 is input through the client terminal 105 to operate the platform. Characterized in that received by the server 100.

Or, if the platform OTP generation program is provided in the VoIP composite terminal 110 in order to include the platform OTP in the payment request information received through 2315, the platform OTP generated through the platform OTP generation program. Is input through the VoIP composite terminal 110, and the input platform OTP is included in the payment request information and received via 2315.

Alternatively, when the platform OTP generating program is pre-installed in the VoIP composite terminal 110 to include the platform OTP in the payment request information received through 2315, the platform OTP processing unit 2340 is the payment agent. Outputs a platform OTP input interface on the screen of the client terminal 105 in association with the server 120, wherein the platform OTP generated through the platform OTP generation program is input through the client terminal 105 to operate the platform Characterized in that received by the server 100.

When the platform OTP is included in the payment request information according to an embodiment of the present invention, the platform OTP processing unit 2340 authenticates the platform OTP included in the payment request information, thereby validating the payment request information. It is characterized by checking.

According to an embodiment of the present invention, when the platform OTP is received through a communication channel different from the payment request information, the platform OTP processing unit 2340 authenticates the received platform OTP to thereby receive the payment request information. It is characterized by checking the validity.

When the validity of the received payment request information is confirmed by the validity verification unit 2320 (or platform OTP processing unit 2340), the card payment processing unit 2350 is included in the payment request information confirmed validity. By transmitting payment amount information, merchant information and card information to the van server 130, the van server 130 to process the card payment for the payment amount information in connection with the card company server 135 corresponding to the card information Characterized in that.

Referring to FIG. 23, when the card settlement processing unit 2350 processes a card payment corresponding to the payment request information in connection with the van server 130, the platform operation server 100 may be configured to perform the card payment. An information generation unit 2335 (or information generating means) for generating corresponding card payment history information, subscriber information for requesting card payment processing through the VoIP composite terminal 110, and the generated card payment history information; An information storage unit 2330 (or information storage means) for linking and processing the VoIP composite terminal 110 information and storing it in the card payment history D / B 2360 is characterized in that it is made.

The information generation unit 2335 generates card payment history information corresponding to the card payment when the card payment processing unit 2350 processes the card payment corresponding to the payment request information in connection with the van server 130. Characterized in that.

According to the exemplary embodiment of the present invention, the card payment history information may include at least one or more card payment times, an amount of each card payment for a predetermined period, and the like according to the intention and purpose of the person skilled in the art. It is preferable that the payment is made to further include the target merchant information.

When the card payment history information corresponding to the card payment is generated, the information storage unit 2330 is the subscriber information requesting the card payment processing through the VoIP composite terminal 110 and the VoIP card payment history information, and the VoIP The composite terminal 110 is characterized in that the information is stored in the card payment history D / B (2360).

Referring to FIG. 23, when the card payment processing unit 2350 processes a card payment corresponding to the payment request information in connection with the van server 130, the platform operation server 100 corresponds to the card payment. The information transmission unit 2310 (or information transmission means) for transmitting the payment result information to the payment agency server 120 and the payment result in the message corresponding to the message exchange protocol provided in the VoIP system It is characterized in that it comprises a message transmission unit (2345) (or message transmission means) for processing to be transmitted to the VoIP composite terminal (110).

The van server 130 processes the card payment corresponding to the payment request information in connection with the card company server 135, and returns the payment result to the platform operation server 100. The information transmitter 2310 transmits the payment result information to the payment agency server 120 through a communication network, and the payment result is transmitted to the shopping mall server 115 and the client terminal 105. It is desirable to be.

In addition, when the payment result is returned from the van server 130, the message transmitter 2345 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 (110).

24 is a diagram illustrating a process of providing payment information to a VoIP composite terminal 110 through a first communication medium among a plurality of communication media connectable from the VoIP composite terminal 110 for online card payment according to an embodiment of the present invention. Figure is shown.

More specifically, 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 110 shown in FIG. As the first communication medium of the VoIP composite terminal 110, and to provide the payment information for the online card payment to the VoIP composite terminal 110 in accordance with the message exchange standard provided in the VoIP system, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 24, through a first communication medium of a plurality of communication media connectable in the VoIP composite terminal 110 for online card payment. Various implementation methods for the process of providing payment information to the VoIP composite terminal 110 may be inferred, but the present invention provides all the implementation methods inferred above. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may perform the process of providing payment information through the first communication medium shown in FIG. 24, as in the payment processing process shown in FIG. The VoIP composite terminal 110 may infer an implementation method for generating payment request information by selecting a payment menu, and the present invention is characterized by including all possible inference methods.

Hereinafter, the VoIP composite terminal 110 shown in FIG. 2 is referred to as "terminal" in FIG. 24, and the platform operating server 100 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 shopping mall server 115 through an IP communication network, visits an online store (2400), and sells a plurality of products (or A service server that purchases at least one product (or service) and requests payment for the purchased product (or service) (2405), the payment agent server providing a payment module to the shopping mall server 115. 120 selects a payment means further comprising a VoIP payment means in addition to the conventional card payment means (for example, credit card payment means, check card payment means, etc.), bank transfer payment means, virtual account payment means to the client terminal 105 An interface is provided and it is checked whether the VoIP payment means is selected through the payment means selection interface (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 120 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 method selection interface (2415) in the client terminal 105, the payment server 120 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 selective payment (or financial transaction) function according to communication medium identification is provided, and the VoIP phone number input interface is provided. In operation 2425, it is checked whether a VoIP telephone number corresponding to the terminal shown in FIG. 2 is input.

If the VoIP phone number is input (2430), the payment agent server 120 enters the VoIP phone number input through the VoIP phone number input interface, payment amount information and merchant information on the purchased product (or service). The payment information including the transmission is transmitted to the server (2435).

In addition, the affiliated store information included in the payment information corresponds to payment agency information (eg, an online payment request entity requesting a card payment) and an online store provided in the shopping mall server 115. It is preferable to include the merchant information.

If the payment information further includes the payment page URL information, the payment path through the terminal illustrated in FIG. 2 is a path via the client terminal 105 accessing the payment page URL through a local area communication medium. It may be selected as, by which the present invention is not limited.

Alternatively, when the payment information further includes the payment path code information, the payment path through the terminal shown in FIG. 2 may be selected as a path corresponding to the payment path code, thereby providing the present invention. This is not limited.

Those skilled in the art to which the present invention pertains can infer various information configurations included in the payment information according to the intention of the person skilled in the art, in addition to the information constituting the above-described payment information, the present invention is inferred It is characterized by including all the information configuration.

Thereafter, the server checks the validity of the VoIP phone number included in the payment information received from the payment server 120 (2440).

According to an exemplary embodiment of the present invention, the server compares the terminal information stored in the platform operation D / B 2355 with the VoIP phone number included in the payment information, and corresponds to the VoIP phone number included in the payment information. It is preferable to check whether the terminal is a terminal having a selective payment (or financial transaction) function 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 120 (2450), and correspondingly, the payment agent server 120 The process of providing the payment method selection interface to the client 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 the exemplary embodiment of the present invention, the server further includes payment path information for setting a path for receiving payment request information generated in the terminal in payment information included in the card transaction message, or preset payment payment. It is preferable to modify the path information to the path set to receive the payment request information in the platform operation server 100.

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).

Thereafter, the terminal receiving the card transaction message through the first communication medium inputs the payment information and the key provided to the terminal through the payment processing process shown in FIG. 9 and the transaction process shown in FIG. 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 payment request information through a second communication medium selected by the terminal.

25A and 25B illustrate payment information through a first communication medium among a plurality of communication media connectable to the VoIP composite terminal 110 for online card payment according to another exemplary embodiment of the present invention, to the VoIP composite terminal 110. It is a figure which shows the process to provide.

In more detail, FIGS. 25A and 25B illustrate a client terminal illustrated 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 110 shown in FIG. 105) and the short-range communication medium connecting the short-range communication channel as the first communication medium of the VoIP composite terminal 110 and the payment information for online card payment to the VoIP composite terminal 110 according to the short-range communication standard. As a process for providing, those of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawings 25a and 25b to connect to the VoIP composite terminal 110 for the online card payment. Various implementation methods for the process of providing the payment information to the VoIP composite terminal 110 through the first communication medium of the plurality of communication media may be inferred. 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 have to perform a payment information providing process through the first communication medium shown in FIGS. 25A and 25B, and the payment processing shown in FIG. As described above, an implementation method of generating payment request information by selecting a payment menu in the VoIP composite terminal 110 may be inferred, and the present invention is characterized by including all possible inference implementation methods.

In the following Figures 25a and 25b, the VoIP composite terminal 110 shown in Figure 2 is referred to as "terminal" for convenience, and the platform operating server 100 shown in Figure 23 is referred to as "server" for convenience.

25A and 25B, the client terminal 105 illustrated in FIG. 23 accesses a shopping mall server 115 through an IP communication network to visit an online store (2500), and sells a plurality of online stores. When at least one product (or service) of a product (or service) is purchased and a payment request for the purchased product (or service) is requested (2505), a payment module is provided to the shopping mall server 115. The payment server 120 further includes a VoIP payment means in addition to the conventional card payment means (for example, credit card payment means, check card payment means, etc.), bank transfer payment means, virtual account payment means to the client terminal 105. A payment method selection interface is provided, and it is checked whether the VoIP payment method is selected through the payment method selection interface (2510).

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 120 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 method is selected through the payment method selection interface (2515) in the client terminal 105, the payment server 120 is the client terminal 105 and the client terminal 105 and the near Located in, the VoIP telephone number input interface for inputting the VoIP telephone number corresponding to the terminal having a selective payment (or financial transaction) function according to the communication medium identification in Figure 2, the VoIP telephone number input interface In operation 2525, it is checked whether the VoIP phone number corresponding to the terminal shown in FIG.

If the VoIP phone number is input (2530), the payment server 120 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 payment information received from the payment server 120 (2540).

If the VoIP phone number validity is not confirmed (2545), the server transmits the VoIP phone number error information to the payment server 120 (2550), and correspondingly, the payment agent server 120 The process of providing the payment method selection interface to the client terminal 105 is repeated.

On the other hand, if the validity of the VoIP phone number is confirmed (2545), the server checks the near field communication medium information searched (or connectable from the terminal) in connection with the platform operation D / B (2355) (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. It is preferable to include at least one or more Bluetooth (BlueTooth), Wi-Fi (Wi-Fi), UWB (Ultra Wide Band system) and the like conforming to the IEEE 802.11. Therefore, it is possible to replace (or add) with another communication medium, thereby not limiting the present invention.

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, 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 with a hub (or an IP router or a communication modem) located in a short distance to the client terminal 105 and connects the short-range communication channel to the hub (or IP router). 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 replaced (or added) to another communication medium according to the intention of the skilled person The present invention is not limited thereto.

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 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 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 the selected short-range communication medium information to the payment agent server 120 (2560).

Thereafter, the payment server 120 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 in the client terminal 105 If it is not mounted (2570), the payment server 120 provides the short-range communication module corresponding to the short-range communication medium information to the client terminal 105 (2575).

According to another embodiment of the present invention, when the server checks the payment page URL information of the client terminal 105, the short-range communication module is mounted on the client terminal 105 through the payment page URL in the server If the short-range communication module is not installed, 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 120 is the purchase goods (or Service information) and payment information including payment information and merchant information is transmitted to the client terminal 105 (2590), and correspondingly, the client terminal 105 corresponds to the first communication medium of the terminal. The card transaction message including the payment information is transmitted to the terminal through a short range communication channel (2595).

FIG. 26 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 to the VoIP composite terminal 110 for online card payment according to an embodiment of the present invention. Figure is shown.

More specifically, FIG. 26 shows the VoIP composite terminal 110 through the first communication medium of the VoIP composite terminal 110 shown in FIG. 2 through the payment information providing process shown in FIG. 24 or 25. After the payment information is provided, a wide area communication medium connectable to the VoIP composite terminal 110 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 may be used. When using the second communication medium of the terminal 110 to transmit the payment request information generated through the payment process shown in Figure 9 and the transaction process shown in Figure 10, the platform operating server shown in Figure 23 Regarding the process of processing the payment corresponding to the payment request information at 100, a person having ordinary skill in the art to which the present invention pertains, refer to FIG. And / or various embodiments of the present invention for a payment processing process using payment request information transmitted through a second communication medium among a plurality of communication media connectable in the VoIP composite terminal 110 for online card payment. It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 26 to generate a payment request generated through the payment processing process shown in FIG. 8 and the transaction process shown in FIG. It will be possible to infer an implementation method for receiving information and payment processing, and the present invention is characterized in that it comprises all the inference possible implementation method.

Hereinafter, in FIG. 26, the VoIP composite terminal 110 shown in FIG. 2 is referred to as "terminal" for convenience, and the platform operating server 100 shown in FIG. 23 is referred to as "server" for convenience.

Referring to FIG. 26, after the payment information is provided to the terminal through the first communication medium of the terminal illustrated in FIG. 2 through the payment information providing process illustrated in FIG. 24 or FIG. 25, the payment information is illustrated in FIG. 2. A payment settlement process shown in FIG. 9 by using a wide area communication medium connectable to a connected terminal or a wide area communication medium providing a data communication channel among a plurality of communication media including a short range communication medium as a second communication medium of the terminal. If the payment request information generated through the process and the transaction process shown in Figure 10 is transmitted (2600), the server is transmitted through the second communication medium of the terminal to confirm the validity of the payment request information received to the server (2605).

When the payment request information received through the second communication medium is encrypted according to an embodiment of the present invention, the server may be configured to decrypt a decryption key for the encrypted payment request information in association with the platform operation D / B 2355. Preferably, the payment request information is decrypted through the decryption key.

In addition, the server corresponds to the VoIP phone number included in the payment request information by comparing the VoIP phone number included in the payment request information with the VoIP composite terminal 110 information provided in the platform operation D / B (2355). It is preferable to check whether the VoIP terminal is the VoIP composite terminal 110 having the selective payment (or financial transaction) function according to the communication medium identification shown in FIG.

If the validity of the received payment request information is not confirmed (2610), the server generates payment request information error information and transmits it to the payment agency server 120 (2615), according to the VoIP message exchange standard. A message including the 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 received payment request information is confirmed (2610), the server checks whether the platform OTP is included in the payment request information (2630).

According to another exemplary embodiment of the present invention, the server may check whether a platform OTP corresponding to the 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 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 payment request information error information and transmits it to the payment agency server 120 (2615), and the payment request according to the VoIP message exchange specification. A message including an information error is generated (2620), and the message including the payment request error is transmitted to the terminal in accordance with a 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 OTP is not included in the payment request information (2635), the server displays the payment information and the card information included in the payment request information in Figure 23 Transfer to the van server 130 shown in (2650), and correspondingly the van server 130 checks the card company corresponding to the card information, and then the payment information and the card to the confirmed card company server 135 The information is transmitted (2655).

Subsequently, the van server 130 receives the payment result through the payment information and the card information from the card company server 135 and transmits the result to the server (2660). In response, the server receives the payment result information. To the payment server 120 (2665), generate a message containing the payment result according to the VoIP message exchange standard (2670), and in conjunction with the gatekeeper 145 on the VoIP system VoIP The message including the payment result is transmitted to the terminal according to a message exchange protocol (2675).

Figure 27 is a process for payment processing using the payment request information transmitted through the second communication medium of the plurality of communication media connectable in the VoIP composite terminal 110 for online card payment according to another embodiment of the present invention Figure is a diagram.

More specifically, FIG. 27 shows the VoIP composite terminal 110 through the first communication medium of the VoIP composite terminal 110 shown in FIG. 2 through the payment information providing process shown in FIG. 24 or 25. After the payment information is provided, among the plurality of communication media including a wide area communication medium or a short range communication medium connectable to the VoIP composite terminal 110 shown in FIG. 2 and the client terminal 105 shown in FIG. Using the connected short-range communication medium as the second communication medium of the VoIP composite terminal 110 to transmit the payment request information generated through the payment processing process shown in FIG. 9 and the transaction process shown in FIG. As a process for processing a payment corresponding to the payment request information in the platform operation server 100 shown in FIG. 23, the general knowledge in the technical field to which the present invention belongs In this case, payment processing is performed by using payment request information transmitted through a second communication medium among a plurality of communication media connectable to the VoIP composite terminal 110 for online card payment by referring to and / or modifying the drawing 27. Various implementation methods for the process can be inferred, but the present invention includes all the implementation methods inferred above, the technical features are not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 27 to generate a payment request generated through the payment processing process shown in FIG. 8 and the transaction process shown in FIG. It will be possible to infer an implementation method for receiving information and payment processing, and the present invention is characterized in that it comprises all the inference possible implementation method.

Hereinafter, in FIG. 27, the VoIP composite terminal 110 shown in FIG. 2 is referred to as "terminal" for convenience, and the platform operation server 100 shown in FIG. 23 is referred to as "server" for convenience.

Referring to FIG. 27, after the payment information is provided to the terminal through the first communication medium of the terminal shown in FIG. 2 through the payment information providing process shown in FIG. 24 or 25, the payment information is shown in FIG. A short range communication medium connected to a client terminal 105 shown in FIG. When the payment request information generated through the payment processing process shown in FIG. 9 and the transaction process shown in FIG. 10 is transmitted (2700), the client terminal 105 connected to the short-range communication channel through the terminal and the second communication medium is connected. ) Receives the payment request information and transmits the received payment request information to the server through an IP communication network to which the client terminal 105 is connected. (2705).

Thereafter, the server checks the validity of the payment request information received by the server through the IP communication network to which the client terminal 105 is connected after being transmitted to the client terminal 105 through the second communication medium of the terminal. (2710).

If the validity of the received payment request information is not confirmed (2715), the server generates payment request information error information and transmits it to the payment agency server 120 (2720), according to the VoIP message exchange standard. A message including the payment request information error is generated (2725), 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 (2730). ).

On the other hand, if the validity of the received payment request information is confirmed (2715), the server checks whether the platform OTP is included in the payment request information (2735).

If the 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 payment request information error information and transmits it to the payment agency server 120 (2720), and the payment request according to the VoIP message exchange specification. A message including an information error is generated (2725), and in connection with the gatekeeper 145 on the VoIP system, a message including the payment request error is transmitted to the terminal according to a VoIP message exchange protocol (2730).

On the other hand, if the validity of the platform OTP is confirmed (2750) or if the platform request is not included in the payment request information (2740), the server displays the payment information and the card information included in the payment request information in FIG. Transfer to the van server 130 shown in (2755), and in response to the van server 130 checks the card company corresponding to the card information, and then the payment information and the card to the confirmed card company server 135 The information is transmitted (2760).

Subsequently, the van server 130 receives the payment result through the payment information and the card information from the card company server 135 and transmits the result to the server (2765). In response, the server receives the payment result information. To the payment server 120 (2770), generate a message containing the payment result according to the VoIP message exchange standard (2775), and in conjunction with the gatekeeper 145 on the VoIP system VoIP The message including the payment result is transmitted to the terminal according to a message exchange protocol (2780).

28 is a diagram showing the configuration of an online account transfer payment system using the VoIP composite terminal 110 with the selective payment (or financial transaction) function according to the communication medium identification according to the embodiment of the present invention.

In more detail, FIG. 28 illustrates a method of purchasing at least one product (or service) by accessing the shopping mall server 115 from a client terminal 105 provided at home, a store, an office, or the like, and purchasing the at least one product (or VoIP payment means using the VoIP composite terminal 110 having a selective payment (or financial transaction) function according to the communication medium identification shown in Figure 2 when making an online payment for the payment amount corresponding to the purchase amount of the service) If selected, the card information (for example, cash card information, or debit card) that is read through the card reader provided in the VoIP terminal (110) located near the client terminal 105 according to the selection of the VoIP payment means Information, or account information) as a system configuration for processing the account transfer payment for the payment amount, the present invention belongs to Those skilled in the art can refer to and / or modify this drawing 28 to provide an on-line account transfer payment system using a VoIP composite terminal 110 having a selective payment (or financial transaction) function according to the communication medium identification. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 28, an online account transfer payment system using a VoIP composite terminal 110 having a selective payment (or financial transaction) function according to the communication medium identification may include a client terminal provided in a home, a store, an office, or the like. 105), a VoIP system terminal 110 and a client system including various communication devices, a shopping mall server 115, a payment agent server 120, and a financial institution server 125 connected to the client terminal 105 through an IP communication network. It is characterized in that it comprises an online account transfer payment system comprising a) and a VoIP system including a VoIP gateway 140 and a gatekeeper 145 connected to the VoIP composite terminal 110 through an IP communication network, VoIP composite terminal 110 on the client system, payment agent server 120 on the online bank transfer payment system, and gatekeeper 145 on the VoIP system; It is characterized in that it comprises a platform operating server 100 for providing a platform for processing the online account transfer payment service using the VoIP composite terminal 110 in conjunction.

The client system constituting the online account transfer payment system using the VoIP composite terminal 110 is connected to an IP communication network through a wide area communication medium including at least one wireless communication medium and a wired communication medium, Client terminal 105 having near field communication means including at least one wireless communication means, a near field wireless communication means of a direct communication method, a near field wired communication means of a packet-switched method, a near field 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. Wireless communication means, short-range wired communication means of packet-switched method, direct communication method Short-range wireless communication means having a short-range wired communication means, a short-range communication means including at least one optical communication means and a short-range wireless communication of the packet exchange method between the client terminal 105 and the VoIP complex terminal 110 A wireless AP (or wireless IP router) that provides a medium and connects the client terminal 105 and the VoIP composite terminal 110 to an IP communication network, or packet exchange between the client terminal 105 and the VoIP composite terminal 110. A hub (or an IP router) for providing a short-range wired communication medium, and at least one communication modem for connecting the client terminal 105 and the VoIP composite terminal 110 to an IP communication network. .

The short-range wireless communication means of the packet-switched method connects the VoIP composite terminal 110 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 in that for connecting the VoIP composite terminal 110 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) to another according to the intention of those skilled in the art, whereby the present invention is not limited. .

The VoIP composite terminal 110 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.

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 router) connected to the VoIP composite terminal 110 and a short distance are connected to each other through a wireless access point, and the wireless AP (or wireless IP router) is connected to 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.

According to the present invention, the payment means selection module further comprises a user interface for selecting a VoIP payment means for processing an online account transfer payment using the VoIP composite terminal 110, the VoIP payment means The payment means for payment processing the payment using the card information (for example, cash card information, or debit card information, or account information) that is read through the card reader provided in the VoIP composite terminal 110 It is done by

The VoIP system constituting the online account transfer payment system using the VoIP composite terminal 110 includes: a VoIP gateway 140 connected to the VoIP composite terminal 110 through an IP communication network, the VoIP composite terminal 110, Or subscriber information for a conventional VoIP terminal, the VoIP composite terminal 110 and at least one other call 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.

According to the present invention, in order to process the online account transfer payment using the VoIP composite terminal 110, 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 110 through the VoIP gateway 140.

In addition, the platform operation server 100 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 account transfer payment processing using the VoIP composite terminal 110. When the payment information is received from 120, a card transaction message including the payment information is generated and transmitted to the gatekeeper 145 on the VoIP system.

The platform operation server 100 may further include subscriber information including the VoIP composite terminal 110 shown in FIG. 2 among the VoIP subscribers subscribed to the VoIP system, the VoIP composite terminal 110 information, and the VoIP. It is characterized in that it comprises a platform operation D / B (2855) for linking and storing various key management information for the composite terminal (110).

The key management information may include decryption key data for decrypting the encrypted financial transaction request information when the financial transaction request information received from the VoIP composite terminal 110 is encrypted. 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 110.

According to the embodiment of the present invention, the platform operation server 100 is connected to the platform operation D / B (2855) terminal management unit (not shown) for managing the VoIP composite terminal 110, and the key management information And a key management unit (not shown) for managing various keys for the VoIP composite terminal 110 based on the above. For convenience, in the configuration of the platform operation server 100 shown in FIG. And key management section will be omitted.

Referring to FIG. 28, the platform operation server 100 includes a VoIP phone number corresponding to the VoIP composite terminal 110 shown in FIG. 2 from the payment agency server 120 and the VoIP composite terminal 110. Payment information receiving unit (2815) (2800) (or payment information receiving means) for receiving payment information including payment amount information to be processed through the payment, and merchant information corresponding to the online store provided in the shopping mall server 115 And a validity confirming unit 2820 (or validity confirming means) confirming validity of the VoIP phone number included in the payment information in association with the platform operation D / B 2855; Message generation unit (2825) (or message generating means) for generating a card transaction message comprising a; and a message transmission processing to transmit the card transaction message to the VoIP composite terminal 110 through the gatekeeper 145 part 2845 (or a message transmission means) is characterized in that it comprises.

When the VoIP payment method is selected through the payment method selection interface, the payment agent server 120 enters a VoIP phone number input interface for inputting a VoIP phone number to the client terminal 105 through the shopping mall server 115. If the VoIP phone number assigned to the VoIP composite terminal 110 having the selective payment (or financial transaction) function according to the communication medium identification shown in FIG. 2 is input through the VoIP phone number input interface, The payment agent server 120 includes a VoIP phone number input through the VoIP phone number input interface, and includes payment amount information corresponding to a purchase price of a product (or service) purchased through the client terminal 105. The platform operation server 100 generates payment information including merchant information corresponding to the online store provided in the shopping mall server 115. And transmitting, In response, the billing information receiver (2815) (2800) is characterized in that for receiving the payment information including the payment information and the merchant information and the VoIP phone number through the communication network.

The merchant information included in the payment information may include payment agency information (eg, an online payment request entity requesting an account transfer payment), the payment agency account information, or the online store account information. Receiving account information including any one of, and it is preferable to include the mutual information of the merchants corresponding to the online store provided in the shopping mall server (115).

According to another exemplary embodiment of the present invention, when the shopping mall server 115 is a large shopping mall that may have a payment agent function, the payment agent server 120 may be omitted or the function of the payment agent server 120 may be omitted. The shopping mall server 115 may be provided, and in this case, the payment information receivers 2815 and 2800 may be connected to the VoIP phone number, the payment amount information, and the affiliated store through the communication network from the shopping mall server 115. It is possible to receive payment information including information, whereby the present invention is not limited.

When the payment information is received by the payment information receiving unit 2815 and 2800, the validity confirming unit 2820 is applied to the VoIP composite terminal 110 information stored in the platform operation D / B 2855 and the payment information. The VoIP terminal corresponding to the VoIP phone number included in the payment information by comparing the VoIP phone number included with the VoIP terminal having the selective payment (or financial transaction) function according to the communication medium identification shown in FIG. 110) characterized in that the check.

If the result of the check is that the VoIP phone number included in the payment information matches the VoIP composite terminal 110 shown in FIG. 2, the message generation unit 2825 may be configured according to the message exchange protocol provided in the VoIP system. And generating a card transaction message including payment information.

According to an embodiment of the present invention, the message generation unit 2825 sets a path for receiving a financial transaction request information generated by the VoIP composite terminal 110 in payment information included in the card transaction message. It is preferable to further include information, or to modify the predetermined payment path information to the path set to receive the financial transaction request information in the platform operation server 100.

The message transmitter 2845 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 110 shown in 2.

Referring to FIG. 28, the platform operation server 100 may transmit the VoIP composite terminal 110 through an IP communication network through an IP communication network corresponding to the second communication medium of the VoIP composite terminal 110 shown in FIG. 2. And an interface unit 2805 (or interface means) for connecting the communication channel with the communication channel.

Alternatively, when the second communication medium of the VoIP composite terminal 110 shown in FIG. 2 includes a short range communication medium between the VoIP composite terminal 110 and the client terminal 105 located at a short distance, the interface unit ( 2805 may be configured to connect the communication channel through the IP communication network with the client terminal 105 to which the second communication medium and the short-range communication channel of the VoIP composite terminal 110 are connected.

Referring to FIG. 28, the platform operation server 100, through the IP communication network from the VoIP composite terminal 110 shown in Figure 2 the VoIP phone number and payment amount information (or account transfer amount information) and merchants Payment information including information (or receiving account information) and card information (eg, cash card information or debit card information or account information) read through a card reader provided in the VoIP composite terminal 110. An information receiving unit 2815 (or information receiving means) for receiving the financial transaction request information, a validity checking unit 2820 (or validating means) for confirming the validity of the received financial transaction request information, and the validity Payment amount information (or wire transfer amount information), merchant information (or receiving account information) and card information (e.g., cash card information or debit card information, or account information included in the confirmed financial transaction request information) ) Is transferred to the financial company server 125 to have a bank transfer processing unit 2850 (or a bank transfer processing unit) for processing a bank transfer transaction. When the platform transaction is included in the financial transaction request information, In addition, the platform OTP processing unit 2840 (or platform OTP processing means) for authenticating the platform OTP, characterized in that further comprises.

According to an embodiment of the present invention, when the VoIP composite terminal 110 shown in FIG. 2 receives a card transaction message including the payment information, the VoIP payment terminal shown in FIG. The VoIP phone number, payment amount information (or wire transfer amount information) and merchant information (or receiving account information) are shown through the transaction process shown in FIG. 12 or the financial transaction process shown in FIG. 12 and the transaction process shown in FIG. Generate financial transaction request information including payment information, including card information (eg, cash card information, or debit card information, or account information) read through a card reader provided in the VoIP composite terminal 110. The information receiving unit 2815 transmits the phone number and the payment amount information (or information) from the VoIP composite terminal 110 through the IP communication network. Payment information including account transfer amount information and merchant information (or receiving account information), and card information (eg, cash card information or debit card information) read through a card reader provided in the VoIP composite terminal 110. Or financial transaction request information including account information).

According to another exemplary embodiment of the present invention, the VoIP composite terminal 110 shown in FIG. 2 is selected from the payment menu (or banking menu). Through the transaction process or the financial transaction process shown in FIG. 11 and the transaction process shown in FIG. 13, the VoIP phone number, payment amount information (or wire transfer amount information) and merchant information (or receiving account information) are included. The IP information is generated by generating financial transaction request information including payment information and card information (eg, cash card information, or debit card information, or account information) read through a card reader provided in the VoIP composite terminal 110. And the information receiving unit 2815 transmits the telephone number and payment amount information (or account transfer) from the VoIP composite terminal 110 through the IP communication network. Payment information including amount information) and merchant information (or receiving account information), and card information (for example, cash card information or debit card information) read through a card reader included in the VoIP composite terminal 110; or And financial transaction request information including account information).

According to another exemplary embodiment of the present invention, the VoIP composite terminal 110 shown in FIG. 2 includes the VoIP phone number, payment amount information (or bank transfer amount information) and merchant information (depending on the second communication medium). Or financial information including payment information including payment account information and card information (eg, cash card information or debit card information or account information) read through a card reader provided in the VoIP composite terminal 110. The transaction request information may be generated and provided to the client terminal 105 through a second communication medium including a short range communication medium. In this case, the client terminal 105 may provide the financial transaction request information through an IP communication network. It is possible to transmit to the platform operation server 100, or to the payment agency server 120, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the VoIP composite terminal 110 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 payment using a conventional online account transfer payment system based on card information (eg, cash card information, or debit card information, or account information) read through the VoIP composite terminal 110.

When the financial transaction request information is received through the information receiver 2815, when the received financial transaction request information is encrypted, the validity confirming unit 2820 is encrypted in association with the platform operation D / B 2855. It is preferable to check the decryption key for the received financial transaction request information and to decrypt the financial transaction request information through the decryption key.

In addition, the validity verification unit 2820 compares the VoIP phone number included in the financial transaction request information with the VoIP composite terminal 110 information provided in the platform operation D / B 2855 to the financial transaction request information. It is preferable to check whether the VoIP terminal corresponding to the included VoIP phone number is the VoIP composite terminal 110 having the selective payment (or financial transaction) function according to the communication medium identification shown in FIG.

When the platform OTP is included in the financial transaction request information received through the information receiving unit 2815, the platform OTP processing unit 2840 generates a platform OTP in connection with the payment agency server 120 to the client terminal 105. 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 110, the input platform OTP It is included in the financial transaction request information, characterized in that it is received through the information receiving unit 2815.

Alternatively, when the platform OTP is included in the financial transaction request information received through the information receiving unit 2815, the platform OTP processing unit 2840 generates a platform OTP to be provided to the client terminal 105, thereby providing the resubstitution server. And output to the client terminal 105 in association with the output, wherein the platform OTP output on the screen of the client terminal 105 is input through the VoIP composite terminal 110, the input platform OTP It is included in the financial transaction request information, characterized in that it is received through the information receiving unit 2815.

Alternatively, when the platform OTP is included in the financial transaction request information received through the information receiving unit 2815, the platform OTP processing unit 2840 is connected to the payment agency server 120 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 110 is generated and transmitted to the VoIP composite terminal 110 (eg, a VoIP composite terminal according to a message exchange protocol provided in the VoIP system). 110 or to the VoIP composite terminal 110 through an IP communication network, and then the platform OTP output to the VoIP composite terminal 110 is input through the client terminal 105. Characterized in that it is received by the platform operation server 100.

Alternatively, when the platform OTP generation program is provided in the VoIP composite terminal 110 to include the platform OTP in the financial transaction request information received through the information receiving unit 2815, the platform OTP generation program is generated. The platform OTP is input through the VoIP composite terminal 110, and the input platform OTP is included in the financial transaction request information and received through the information receiving unit 2815.

Alternatively, when the platform OTP generation program is provided in the VoIP composite terminal 110 to include the platform OTP in the financial transaction request information received through the information receiving unit 2815, the platform OTP processing unit 2840 The platform OTP input interface is output on the screen of the client terminal 105 in association with the payment agent server 120, 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 100.

When the platform OTP is included in the financial transaction request information according to an embodiment of the present invention, the platform OTP processing unit 2840 authenticates the platform OTP included in the financial transaction request information, thereby providing the financial transaction request information. It is characterized in that for checking the validity.

When the platform OTP is received through a communication channel different from the financial transaction request information according to an embodiment of the present invention, the platform OTP processing unit 2840 authenticates the received platform OTP, thereby providing the financial transaction request information. It is characterized in that for checking the validity.

When the validity of the received financial transaction request information is confirmed by the validity verification unit 2820 (or the platform OTP processing unit 2840), the bank transfer processing unit 2850 may apply to the financial transaction request information that has been validated. By transmitting the included payment amount information (or bank transfer amount information), merchant information (or receiving account information) and card information (eg, cash card information, or debit card information, or account information) to the financial institution server 125, The financial company server 125 may be configured to process an account transfer transaction for the payment amount information (or account transfer amount information).

Referring to FIG. 28, when the account transfer processing unit 2850 processes an account transfer transaction corresponding to the payment request information in connection with the financial institution server 125, the platform operation server 100 performs the account transfer transaction. Information generating unit 2835 (or information generating means) for generating transfer payment history information corresponding to the subscriber information for requesting an account transfer payment through the VoIP composite terminal 110 and the generated transfer payment history information; An information storage unit 2830 (or information storage means) for linking and processing the VoIP composite terminal 110 information and storing in the transfer payment history D / B (2860) is characterized in that it comprises.

The information generation unit 2835, when the account transfer processing unit 2850 processes an account transfer transaction corresponding to the payment request information in connection with the financial company server 125, the transfer payment details corresponding to the account transfer transaction; It is characterized by generating information.

According to the exemplary embodiment of the present invention, the transfer payment history information may include at least one or more of the number of transfer transactions for a predetermined period, the amount of each transfer transaction, and the like, and according to the intention and purpose of those skilled in the art. Preferably, the bank account further includes target merchant information.

When the transfer payment history information corresponding to the bank transfer transaction is generated, the information storage unit 2830 is a subscriber information requesting a transfer account transaction through the VoIP composite terminal 110, the generated transfer payment history information, and the The VoIP composite terminal 110 is characterized in that the information is stored in the transfer payment history D / B (2860) linked to the process.

Referring to FIG. 28, when the account transfer processing unit 2850 processes an account transfer transaction corresponding to the financial transaction request information in connection with the financial company server 125, the platform transfer server 100 transfers the account transfer. The information transfer unit 2810 (or information transmission means) for transmitting the account transfer result information corresponding to the transaction to the payment agency server 120, and the account transfer to the message corresponding to the message exchange protocol provided in the VoIP system It is characterized in that it comprises a message transmission unit 2845 (or message transmission means) for processing to be transmitted to the VoIP composite terminal 110, including the result.

The financial company server 125 processes the account transfer transaction corresponding to the financial transaction request information, and then returns the account transfer result to the platform operation server 100. In response, the information transmitter 2810 The account transfer result information may be transmitted to the payment agent server 120 through a communication network, and the account transfer result may be transmitted to the shopping mall server 115 and the client terminal 105.

In addition, when the account transfer result is returned from the financial institution server 125, the message transmitter 2845 includes the account transfer 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 account transfer result is characterized in that the processing to be transmitted to the VoIP composite terminal (110).

29 is a process for providing payment information to a VoIP composite terminal 110 through a first communication medium among a plurality of communication media connectable from the VoIP composite terminal 110 for online account transfer payment according to an embodiment of the present invention. Figure is a diagram.

More specifically, FIG. 29 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 110 shown in FIG. 2. As the first communication medium of the VoIP composite terminal 110, and the payment information for the online account transfer payment to the VoIP composite terminal 110 in accordance with the message exchange standard provided in the VoIP system. In the technical field to which the present invention pertains, a first communication of a plurality of communication media connectable to the VoIP composite terminal 110 for the online bank transfer payment by referring to and / or modifying the drawing 29 Various implementation methods for the process of providing the payment information to the VoIP composite terminal 110 through the medium can be inferred, but the present invention is all inferred It is made, including the method when, to which the technical feature that is not limited to the exemplary method shown in the figure 29.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs, the payment processing process shown in FIG. 8 without performing the process of providing payment information through the first communication medium shown in FIG. 29, or As shown in FIG. 11, an implementation method of generating financial transaction request information by selecting a payment menu (or banking menu) in the VoIP composite terminal 110 may be inferred. It is characterized by including all possible implementation methods.

Hereinafter, in FIG. 29, the VoIP composite terminal 110 shown in FIG. 2 is referred to as "terminal" for convenience, and the platform operation server 100 shown in FIG. 23 is referred to as "server" for convenience.

Referring to FIG. 29, the client terminal 105 illustrated in FIG. 23 accesses the shopping mall server 115 through an IP communication network to visit an online store (2900), and sells a plurality of products sold in the online store ( Or a service) and purchases at least one product (or service) and requests payment for the purchased product (or service) (2905), a payment agent providing a payment module to the shopping mall server 115. The server 120 may further include a VoIP payment means in addition to the conventional card payment means (eg, credit card payment means, check card payment means, etc.), bank transfer payment means, virtual account payment means, etc. to the client terminal 105. In operation 2910, a selection interface is provided and the VoIP payment means is selected through the payment means selection interface.

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 (2915), the payment agent server 120 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 (2920).

On the other hand, if the VoIP payment means is selected through the payment method selection interface (2915) in the client terminal 105, the payment server 120 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 selective payment (or financial transaction) function according to communication medium identification is provided, and the VoIP phone number input interface is provided. In operation 2925, it is checked whether a VoIP telephone number corresponding to the terminal shown in FIG. 2 is input.

If the VoIP phone number is input (2930), the payment server 120 is a VoIP phone number input through the VoIP phone number input interface, payment amount information and merchant information for the purchase product (or service) The payment information including the transmission is transmitted to the server (2935).

The merchant information included in the payment information may include payment agency information (eg, an online payment requesting entity requesting an account transfer payment), the payment agency account information, or an online store account. Receiving account information including any one of the information, it is preferable to include the mutual information of the merchants corresponding to the online store provided in the shopping mall server (115).

Thereafter, the server checks the validity of the VoIP phone number included in the payment information received from the payment server 120 (2940).

According to an exemplary embodiment of the present invention, the server compares the terminal information stored in the platform operation D / B 2855 with the VoIP phone number included in the payment information, and corresponds to the VoIP phone number included in the payment information. It is preferable to check whether the terminal is a terminal having a selective payment (or financial transaction) function according to the communication medium identification shown in FIG.

If the VoIP telephone number validity is not confirmed (2945), the server transmits the VoIP telephone number error information to the payment server 120 (2950), and correspondingly the payment server 120 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 (2945), 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 (2955).

According to an embodiment of the present invention, the server further includes payment path information for setting a path for receiving the financial transaction request information generated in the terminal to payment information included in the card transaction message, or preset payment It is preferable to modify the payment path information to the path set to receive the financial transaction request information in the platform operation server 100.

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 (2960), 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 (2965).

Subsequently, the terminal receiving the card transaction message through the first communication medium may receive a payment settlement process shown in FIG. 9 and a transaction process shown in FIG. 10, or a financial transaction process shown in FIG. 12 and FIG. 13. Generate financial transaction request information including the payment information, payment security information input through the key input means provided in the terminal and card information read through the card reader provided in the terminal through the transaction process shown in And transmit through a second communication medium selected by the terminal.

30A and 30B illustrate a VoIP composite terminal 110 for payment information through a first communication medium among a plurality of communication media connectable from the VoIP composite terminal 110 for online account transfer payment according to another embodiment of the present invention. It is a diagram showing a process provided by.

In more detail, FIGS. 30A and 30B illustrate a client terminal illustrated 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 110 shown in FIG. 105) a short-range communication medium connecting the short-range communication channel as the first communication medium of the VoIP composite terminal 110, the payment information for the online account transfer payment to the VoIP composite terminal 110 according to the short-range communication standard As a process for providing the present invention, those of ordinary skill in the art to which the present invention pertains, the VoIP composite terminal 110 for the online bank transfer payment by referring to and / or modified with reference to the drawings 30a and 30b. Various implementation methods for the process of providing the payment information to the VoIP composite terminal 110 through the first communication medium of the plurality of connectable communication media can be inferred. And, the 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 30a and figure 30b.

For example, those skilled in the art to which the present invention pertains do not perform the payment information providing process through the first communication medium shown in FIGS. 30A and 30B, and the payment settlement shown in FIG. 8 is performed. As shown in FIG. 11, a method of generating financial transaction request information by selecting a payment menu (or banking menu) in the VoIP composite terminal 110 may be inferred. The invention is characterized in that it comprises all the inferable method of implementation.

In the following Figures 30a and 30b, the VoIP composite terminal 110 shown in Figure 2 is referred to as "terminal" for convenience, and the platform operating server 100 shown in Figure 23 is referred to as "server" for convenience.

30A and 30B, the client terminal 105 illustrated in FIG. 23 accesses a shopping mall server 115 through an IP communication network, visits an online store (3000), and sells a plurality of online stores. If at least one or more goods (or services) of the goods (or services) are purchased and a payment request for the purchased goods (or services) is requested (3005), the shopping mall server 115 provides a payment module. The payment server 120 further includes a VoIP payment means in addition to the conventional card payment means (for example, credit card payment means, check card payment means, etc.), bank transfer payment means, virtual account payment means, etc. to the client terminal 105. A payment method selection interface is provided, and it is checked whether the VoIP payment method is selected through the payment method selection interface (3010).

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 (3015), the payment agent server 120 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 (3020).

On the other hand, if the VoIP payment method is selected through the payment method selection interface (3015) in the client terminal 105, the payment server 120 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 selective payment (or financial transaction) function according to communication medium identification is provided, and the VoIP phone number input interface is provided. In operation 3025, it is checked whether a VoIP telephone number corresponding to the terminal shown in FIG. 2 is input.

If the VoIP phone number is input (3030), the payment server 120 transmits the VoIP phone number input through the VoIP phone number input interface (3035).

Thereafter, the server checks the validity of the VoIP phone number included in the payment information received from the payment server 120 (3040).

If the VoIP phone number validity is not verified (3045), the server transmits the VoIP phone number error information to the payment server 120 (3050), and correspondingly the payment server 120 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 (3045), the server checks the near field communication medium information discovered (or connectable from the terminal) in connection with the platform operating D / B (2855) (3055). .

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 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 of a USB (Universal Serial Bus) and RS-232c which supports a direct communication method. The present invention is not limited thereto.

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 agency server 120 (3060).

Thereafter, the payment server 120 checks whether the short range communication module corresponding to the short range communication medium information is mounted on the client terminal 105 (3065), and if the short range communication module is on the client terminal 105 If it is not mounted (3070), the payment server 120 provides the short-range communication module corresponding to the short-range communication medium information to the client terminal 105 to mount (3075).

Thereafter, the client terminal 105 connects the near field communication channel (for example, a near field communication channel corresponding to the first communication medium of the terminal) through the near field communication module based on the VoIP phone number (3080). ).

If the client terminal 105 and the short-range communication channel (eg, the short-range communication channel corresponding to the first communication medium of the terminal) are connected (3085), the payment server 120 is the purchase goods (or Service information) and payment information including payment information and merchant information (3090) to the client terminal 105 (3090), and correspondingly, the client terminal 105 corresponds to the first communication medium of the terminal. The card transaction message including the payment information is transmitted to the terminal through a short range communication channel (3095).

FIG. 31 is a payment settlement process using financial transaction request information transmitted through a second communication medium among a plurality of communication media connectable in the VoIP complex terminal 110 for online account transfer payment according to an embodiment of the present invention. A diagram illustrating the process.

More specifically, FIG. 31 shows the VoIP composite terminal 110 through the first communication medium of the VoIP composite terminal 110 shown in FIG. 2 through the payment information providing process shown in FIG. 24 or 25. After the payment information is provided, a wide area communication medium connectable to the VoIP composite terminal 110 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 may be used. As a second communication medium of the terminal 110, a payment processing process shown in FIG. 9 and a transaction process shown in FIG. 10, or a financial transaction process shown in FIG. 12 and a transaction process shown in FIG. If the financial transaction request information generated through the transmission, the platform operation server 100 shown in Figure 23 for the process of processing the payment corresponding to the financial transaction request information As one of ordinary skill in the art to which the present invention pertains, a second of a plurality of communication media connectable to the VoIP composite terminal 110 for the online bank transfer payment by referring to and / or modifying the drawing 31 Although various implementation methods for the payment processing process may be inferred using the financial transaction request information transmitted through the communication medium, the present invention includes all the implementation methods inferred as shown in FIG. The technical features are not limited only to the implemented method.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 31 to make payment processing shown in FIG. 8 and transaction shown in FIG. 10 or shown in FIG. It will be possible to infer an implementation method for receiving payment processing by receiving the financial transaction request information generated through the transaction processing process shown in Figure 13 and the transaction process shown in Figure 13, the present invention comprises all the inference possible implementation method It is characterized by.

Hereinafter, in FIG. 31, the VoIP composite terminal 110 shown in FIG. 2 is referred to as "terminal" for convenience, and the platform operation server 100 shown in FIG. 23 is referred to as "server" for convenience.

Referring to FIG. 31, after the payment information is provided to the terminal through the first communication medium of the terminal illustrated in FIG. 2 through the payment information providing process illustrated in FIG. 24 or FIG. 25, the payment information is illustrated in FIG. 2. Payment processing shown in FIG. 9 using a wide area communication medium connectable to a mobile terminal or a wide area communication medium providing a data communication channel, including a short range communication medium, as a second communication medium of the terminal. When the financial transaction request information generated through the process and the transaction process illustrated in FIG. 10 or the financial transaction process illustrated in FIG. 12 and the transaction process illustrated in FIG. 2 confirms the validity of the financial transaction request information transmitted through the communication medium to the server (3105).

When the financial transaction request information received through the second communication medium is encrypted according to an embodiment of the present invention, the server decrypts the encrypted financial transaction request information in association with the platform operation D / B 2855. It is preferable to confirm a key and to decrypt the financial transaction request information through the decryption key.

In addition, the server compares the VoIP phone number included in the financial transaction request information with the VoIP complex terminal 110 information included in the platform operation D / B 2855 to compare the VoIP phone number included in the financial transaction request information. It is preferable to confirm whether the VoIP terminal corresponding to the VoIP composite terminal 110 having the selective payment (or financial transaction) function according to the communication medium identification shown in FIG.

If the validity of the received financial transaction request information is not confirmed (3110), the server generates the financial transaction request information error information and transmits it to the payment agency server (120) (3115), and the VoIP message exchange standard. Generate a message including the financial transaction request information error (3120), 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; (3125).

On the other hand, if the validity of the received financial transaction request information is confirmed (3110), the server checks whether the platform OTP is included in the financial transaction request information (3130).

According to another exemplary embodiment of the present invention, the server may check whether a platform OTP corresponding to the financial transaction request information is input 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 financial transaction request information includes the platform OTP (3135), the server checks the validity of the platform OTP (3140).

If the validity of the platform OTP is not confirmed (3145), the server generates the financial transaction request information error information and transmits it to the payment agency server (120) (3115), the financial according to the VoIP message exchange specification A message including a transaction request information error is generated (3120), 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 (3125). .

On the other hand, if the validity of the platform OTP is verified (3145), or if the financial transaction request information does not include the platform OTP (3135), the server is the payment information and card information (for example, included in the financial transaction request information) , Cash card information, or debit card information, or account information) is transmitted to the financial company server 125 shown in FIG. 23 (3150), and in response, the financial company server 125 sends the payment information and the card information. (3155) process the transfer transaction (e.g., cash card information, or debit card information, or account information), and transfer the transfer result to the server (3160), and correspondingly the server transfers the account. Transfer the transfer result information to the payment server 120 (3165), generate a message containing the transfer result according to the VoIP message exchange specification (3170), and gate on the VoIP system; Buffer 145 in connection with transmit a message containing the account transfers a result to the mobile station according to the VoIP protocol message exchange (3175).

32 is a payment settlement process using the financial transaction request information transmitted through the second communication medium of the plurality of communication media connectable in the VoIP composite terminal 110 for online account transfer payment according to another embodiment of the present invention A diagram illustrating a process of doing so.

More specifically, FIG. 32 shows the VoIP composite terminal 110 through the first communication medium of the VoIP composite terminal 110 shown in FIG. 2 through the payment information providing process shown in FIG. 24 or 25. After the payment information is provided, it is connected to the client terminal 105 shown in FIG. 23 among a plurality of communication media including a wide area communication medium or a short range communication medium connectable to the VoIP composite terminal 110 shown in FIG. Using a short range communication medium as a second communication medium of the VoIP composite terminal 110, a payment processing process shown in FIG. 9 and a transaction process shown in FIG. 10, or a financial transaction process shown in FIG. When the financial transaction request information generated through the transaction process shown in FIG. 13 is transmitted, the platform operation server 100 shown in FIG. 23 transmits a payment corresponding to the financial transaction request information. As for the process of processing, if a person of ordinary skill in the art to which the present invention pertains, a plurality of connected to the VoIP composite terminal 110 for the online bank transfer payment by referring to and / or modified in this figure 32 It is possible to infer various implementation methods for the payment settlement process using the financial transaction request information transmitted through the second communication medium of the two communication media, but the present invention includes all the implementation methods inferred However, the technical features are not limited only to the implementation method shown in FIG.

For example, a person of ordinary skill in the art may refer to and / or modify this drawing 32 to make a payment processing process shown in FIG. 8 and a transaction process shown in FIG. 10, or shown in FIG. It will be possible to infer an implementation method for receiving payment processing by receiving the financial transaction request information generated through the transaction processing process shown in Figure 13 and the transaction process shown in Figure 13, the present invention comprises all the inference possible implementation method It is characterized by.

32, the VoIP composite terminal 110 shown in FIG. 2 is referred to as " terminal " for convenience, and the platform operating server 100 shown in FIG. 23 is referred to as " server "

Referring to FIG. 32, after the payment information is provided to the terminal through the first communication medium of the terminal shown in FIG. 2 through the payment information providing process shown in FIG. 24 or 25, the payment information is shown in FIG. A short-range communication medium connected to the client terminal 105 shown in FIG. 23 as a second communication medium of the terminal, from among a plurality of communication media including a wide-range communication medium or a short-range communication medium that can be connected to the terminal. If the financial transaction request information generated through the payment processing process shown in FIG. 9 and the transaction process shown in FIG. 10 or the financial transaction process shown in FIG. 12 and the transaction process shown in FIG. 13 is transmitted (3200) The client terminal 105 connected to the near field communication channel through the terminal and the second communication medium receives the financial transaction request information, and the client The transactions through the IP network is the end 105 connected to the reception by the financial server transmits the requested information (3205).

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 financial transaction request information received to the server through the IP communication network to which the client terminal 105 is connected. (3210).

If the validity of the received financial transaction request information is not confirmed (3215), the server generates the financial transaction request information error information and transmits it to the payment agent server 120 (3220), the VoIP message exchange specification Generate a message including the financial transaction request information error (3225), 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; (3230).

On the other hand, if the validity of the received financial transaction request information is confirmed (3215), the server checks whether the platform OTP is included in the financial transaction request information (3235).

If the financial transaction request information includes the platform OTP (3240), the server checks the validity of the platform OTP (3245).

If the validity of the platform OTP is not confirmed (3250), the server generates the financial transaction request information error information and transmits it to the payment agency server 120 (3220), and the financial according to the VoIP message exchange specification A message including a transaction request information error is generated (3225), and in connection with the gatekeeper 145 on the VoIP system, a message including the payment request error is transmitted to the terminal according to a VoIP message exchange protocol (3230). .

On the other hand, if the validity of the platform OTP is confirmed (3250) or if the financial transaction request information does not include the platform OTP (3240), the server is the payment information and card information (for example, included in the financial transaction request information) , Cash card information, or debit card information, or account information) is transferred to the financial company server 125 shown in FIG. 23 (3255), and in response, the financial company server 125 sends the payment information and the card information. (3260) processing the bank transfer transaction (e.g., cash card information, or debit card information, or account information), and sending the account transfer result to the server (3265), whereby the server responds to the account. Transfers the transfer result information to the payment server 120 (3270), generates a message containing the transfer result according to the VoIP message exchange standard (3275), and gates on the VoIP system; Buffer 145 in connection with transmit a message containing the account transfers a result to the mobile station according to the VoIP protocol message exchange (3280).

33 is a diagram showing the configuration of an incentive providing system for providing incentives using payment details according to the use of online bank transfer payment and online card payment service according to an embodiment of the present invention.

In more detail, in FIG. 33, at least one product (or service) is purchased by accessing the shopping mall server 115 from a client terminal 105 provided in a home, a store, an office, and the like. As an incentive providing system that provides incentives for payment (or online card payment) details according to the details of online payment (or online card payment) for the payment amount corresponding to the purchase amount of the service). Those skilled in the art to which the present invention pertains, the incentive providing system for providing an incentive using the payment history according to the online bank transfer payment, online card payment service by referring to and / or modified in this drawing 33 Various implementations may be inferred, but the present invention encompasses all such implementations inferred. To be made, the technical features are not limited only with the exemplary method shown in the figure 33.

Here, the incentive providing server is preferably provided in the form of a module in the platform operation server shown in the figure.

Referring to FIG. 33, an incentive providing system for providing an incentive using payment history according to the online bank transfer payment and online card payment service includes a client terminal 105 and a VoIP composite terminal (home, store, office, etc.) 110) and an online account transfer including a client system including various communication devices, a shopping mall server 115, a payment agent server 120, and a financial institution server 125 connected to the client terminal 105 through an IP communication network. An online card payment system including a payment system, a shopping mall server 115, a payment agency server 120, a van server 130, and a card company server 135 connected to the client terminal 105 through an IP communication network; And a VoIP system including a VoIP gateway 140 and a gatekeeper 145 connected to the VoIP composite terminal 110 through an IP communication network. The VoIP composite terminal 110 on the client system, the payment server 120 on the online bank transfer payment system, and the gatekeeper 145 on the VoIP system are used for the VoIP composite terminal 110. And an incentive providing server providing a platform for processing an online bank transfer payment service.

The client system constituting the online account transfer payment system (or online card payment system) using the VoIP composite terminal 110 is connected to an IP communication network through a wide area communication medium including at least one wireless communication medium and a wired communication medium. Short-range communication means including at least one packet-switched short-range wireless communication means, direct communication short-range wireless communication means, packet-switched short-range wired communication means, direct communication short-range wired communication means, optical communication means It provides a voice call function by connecting to a VoIP server on an IP communication network through a client terminal 105 having a wireless communication medium, and a wide area communication medium including at least one of a wireless communication medium and a wired communication medium. Means, near field communication, direct communication means, near field communication, packet switching VoIP composite terminal 110 having a wired communication means, a near field wired communication means of a direct communication method, and a near field communication means including at least one optical communication means, and between the client terminal 105 and the VoIP composite terminal 110. Provides a packet-switched short-range wireless communication medium, and connects the client terminal 105 and the VoIP composite terminal 110 to an IP communication network, or a wireless AP (or wireless IP router) or the client terminal 105 and the VoIP composite At least one hub (or IP router) for providing a packet-switched short-range wired communication medium between the terminals 110 and a communication modem connecting the client terminal 105 and the VoIP composite terminal 110 to an IP communication network. Characterized in that it is made.

According to the present invention, in order to process the online account transfer payment using the VoIP composite terminal 110, the payment module for each payment means, when the VoIP payment means is selected in the payment means selection module, the client terminal 105 to the A user interface for inputting a VoIP telephone number assigned to the VoIP composite terminal 110, a VoIP telephone number including the user interface, payment amount information calculated by the shopping cart module, and the shopping mall server 115 And a VoIP payment module for transmitting payment information including merchant information corresponding to the online store to the incentive providing server through a communication network, and then the payment corresponding to the payment information is transmitted to the client system. It is preferable to be processed through the provided VoIP composite terminal 110.

According to FIG. 33, the incentive providing server is connected to the VoIP composite terminal 110 on the client system through an IP communication network, the card payment history information that is paid through the online card payment system and the online In order to provide an incentive corresponding to the transfer payment history information that is settled through the wire transfer payment system, an information receiver 3305 (or information receiving means) for receiving the card payment history information and the transfer payment history information, and the received In response to the card payment history information and the transfer payment history information, in the case of payment history without incentives, an information checking unit 3310 (or information checking means) for checking whether the incentive provision conditions are satisfied, and the confirmed card payment Information calculating unit 3315 (or information) for calculating breakdown information and incentive information corresponding to transfer payment history information Information transmission unit (or information storage means) for storing the calculated incentive information (or information storage means), and the calculated incentive information to the VoIP composite terminal 110 (or information transmission). Means).

The information receiving unit 3305 may provide incentives corresponding to card payment history information paid through the online card payment system and transfer payment history information paid through the online bank transfer payment system. And, characterized in that for receiving the payment history information.

According to an embodiment of the present invention, the card payment history information reception is preferably received from the platform operation server 100 on the online card payment system.

Herein, the card payment history information may include at least one or more card payments for a predetermined period of time, the amount of each card payment, and the like, and target merchant information for which the card payment is made according to the intention and purpose of a person skilled in the art. It is preferable that it further comprises.

Receiving the transfer payment history information according to the embodiment of the present invention, it is preferable to receive from the platform operating server on the online bank transfer payment system.

Herein, the transfer payment history information may include at least one or more of the number of transfer transactions for a predetermined period, the amount of each transfer transaction, and the like, and target merchants where the transfer transactions are made according to the intention and purpose of those skilled in the art. It is preferable that the information is further included.

Here, the platform operation server 100 on the online card payment system and the platform operation server 100 on the online bank transfer payment system may be the same server or separate servers, and the present invention is not limited thereto. .

The information checking unit 3310 checks whether the incentive provision condition is satisfied in the case of the payment history without the incentive, corresponding to the received card payment history information and the transfer payment history information.

According to an embodiment of the present invention, the incentive providing condition is preferably reference information determined by an institution that operates the incentive providing server, and the reference information is a limited number of times for a predetermined number of times, an amount of money for a predetermined amount or more. It is preferable to include at least one or more restriction information, restriction information for each use destination (that is, affiliated stores).

The information calculator 3315 calculates the confirmed card payment history information and incentive information corresponding to the transfer payment history information.

According to an embodiment of the present invention, incentive information calculation corresponding to the card payment history information (or transfer payment history information) may be performed to calculate incentive information for each use frequency for the card payment history information (or transfer payment history information). Preferably, the differential incentive for each use number may be provided, or the same incentive for each use number may be provided.

For example, when providing the same incentive by the number of times of use, when the number of times of use corresponding to the card payment history information (or transfer payment history information) is 10 times, it is preferable to calculate the amount of 10 times the amount set per one time.

In the case of providing a differential incentive by the number of times of use, if the criterion is 10 times, if the number of times corresponding to the card payment history information (or transfer payment history information) is 10 times, the amount of 10 times the amount set per one time For example, it is preferable to calculate the amount of the differential incentive equivalent to 10 times, or the amount set per one is a predetermined amount and an additional provision amount.

According to another exemplary embodiment of the present invention, the calculation of incentive information corresponding to the card payment history information (or transfer payment history information) calculates incentive information for each use amount of the card payment history information (or transfer payment history information). Preferably, the incentive for each use amount may be provided, or the same incentive for each use amount may be provided.

For example, in the case of providing the same incentive for each use amount, if the use amount corresponding to the card payment history information (or transfer payment history information) is 1 million won and 3% incentive is provided, the incentive amount to be provided is 30,000 won. desirable.

In addition, in the case of providing a differential incentive by use amount, if the standard increases by 1% in units of 500,000 won, the incentive of 500,000 won is 155,000 and the incentive of 20,000 won is 50 million won. It could be 1,000 won or 40,000 won incentive for the entire million won.

The information storage unit 3320 may store the calculated incentive information in an incentive history D / B 3330 provided on the incentive server 3300.

According to an exemplary embodiment of the present invention, the calculated incentive information may include at least one subscriber information for a target subscriber to provide the incentive and at least one VoIP composite terminal 110 information owned by the subscriber. It is desirable to store in B (3330).

The information transmitter may transmit the calculated incentive information to the VoIP composite terminal 110.

According to an exemplary embodiment of the present invention, the calculated incentive information is further provided to a predetermined server providing the VoIP service by further including subscriber information for a target subscriber to provide the incentive, thereby providing a free call or a communication fee discount. It is desirable to provide.

In addition, the calculated incentive information is transmitted to the VoIP composite terminal 110, it is preferable to enable the inquiry in the VoIP composite terminal 110 without a separate connection.

34 is a diagram illustrating an incentive providing process according to an online card payment in an incentive providing system that provides an incentive using payment history according to an online bank transfer payment and an online card payment service according to an embodiment of the present invention.

In more detail, FIG. 34 illustrates that at least one product (or service) is purchased by accessing the shopping mall server 115 from a client terminal 105 provided at a home, a store, an office, or the like, and the purchased at least one product (or Incentives provided by online card payment in an incentive provision system that provides incentives for payment (or online card payment) details according to the details of online payment (or online card payment) for the payment amount corresponding to the purchase amount of the service) As shown in the drawings, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 34 to provide incentives using payment details according to the online bank transfer payment and online card payment service. Incentives provided by the online card payment system 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.

Hereinafter, in the present invention, the incentive providing server shown in FIG. 33 is referred to as a "server" for convenience.

Referring to FIG. 34, the server receives card payment history information from the online card payment system shown in FIG. 23 (3400), and checks an incentive providing condition for the received card payment history information (3405). ).

If the incentive provision condition is satisfied (3410), the server calculates incentive information on the received card payment history information (3415).

According to the method of the present invention, the calculation of incentive information corresponding to the card payment history information, it is preferable to calculate the incentive information for each use number of the card payment history information, providing the differential incentive for each use number, Alternatively, the same incentive may be provided for each use frequency.

For example, in the case of providing the same incentive by the number of times of use, when the number of times of use corresponding to the card payment history information is 10 times, it is preferable to calculate the amount of 10 times the amount set per one time.

In addition, in the case of providing a differential incentive by the number of times of use, if the criterion is 10 times, if the number of times corresponding to the card payment history information is 10 times, the amount corresponding to 10 times the amount of 10 times the amount set for each time It is preferable that the incentive amount is calculated, or the amount set per one is a predetermined amount and an additional amount provided.

According to another exemplary embodiment of the present invention, the calculation of incentive information corresponding to the card payment history information may be performed by calculating incentive information for each use amount of the card payment history information, and providing or turning on the incentive for each use amount. The same incentive may be provided for each usage amount.

For example, in the case of providing the same incentive for each use amount, if the use amount corresponding to the card payment history information is 1 million won and 3% incentive is provided, the incentive amount to be provided is preferably 30,000 won.

Thereafter, the server associates the calculated incentive information with subscriber information to provide the incentive and VoIP composite terminal 110 information, and stores the calculated incentive information in incentive history D / B 3330 (3420). The processor 110 transmits the data to the VoIP composite terminal 110 and transmits the data to the VoIP composite terminal 110 (3425).

According to an exemplary embodiment of the present invention, the calculated incentive information may include at least one subscriber information for a target subscriber to provide the incentive and at least one VoIP composite terminal 110 information owned by the subscriber. It is preferable to store in B (3330).

35 is a diagram illustrating an incentive providing process according to an online account transfer payment in an incentive providing system for providing an incentive using payment history according to an online bank transfer payment and an online card payment service according to an embodiment of the present invention.

In more detail, in FIG. 35, at least one product (or service) is purchased from a client terminal 105 provided at home, a store, an office, or the like, by accessing the shopping mall server 115, and the purchased at least one product (or Incentive-providing system that provides incentives for payment (or online card payment) details according to the online payment (or online card payment) details of the payment amount corresponding to the purchase amount of the service) As an incentive providing process, a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 35 to check the payment history of using the online bank transfer payment and online bank transfer payment service. Incentives based on online bank transfer payments in an incentive providing system that provides incentives Would be able to infer a variety of exemplary methods for the ball process, 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 35.

Referring to FIG. 35, the server receives the transfer payment history information from the online bank transfer payment system shown in FIG. 23 (3500), and checks the incentive provision condition for the received transfer payment history information corresponding thereto ( 3505).

If the incentive provision condition is satisfied (3510), the server calculates incentive information for the received transfer payment history information (3515).

According to an embodiment of the present invention, the calculation of incentive information corresponding to the transfer payment history information, it is preferable to calculate the incentive information for each use frequency for the transfer payment history information, providing the differential incentive for each use number, Alternatively, the same incentive may be provided for each use frequency.

For example, in the case of providing the same incentive by the number of times of use, when the number of times of use corresponding to the transfer payment history information is 10 times, it is preferable to calculate the amount of 10 times the amount set per one time.

In addition, in the case of providing a differential incentive by the number of times of use, if the criterion is 10 times, if the number of times corresponding to the transfer payment history information is 10 times, the amount corresponding to 10 times the amount of 10 times the amount set for each time It is preferable that the incentive amount is calculated, or the amount set per one is a predetermined amount and an additional amount provided.

According to another exemplary embodiment of the present invention, the calculation of incentive information corresponding to the transfer payment history information may be performed by calculating incentive information for each use amount of the transfer payment history information, and providing or turning the incentive for each use amount. The same incentive may be provided for each usage amount.

For example, in the case of providing the same incentive for each use amount, if the use amount corresponding to the transfer payment history information is 1 million won and 3% incentive is provided, the incentive amount to be provided is preferably 30,000 won.

Subsequently, the server stores the calculated incentive information in association with the subscriber information to provide the incentive and the VoIP composite terminal 110 information in the incentive history D / B 3330 (3520), and the VoIP composite terminal. In step 3525, the processor 110 transmits the data to the VoIP composite terminal 110 and transmits the data to the VoIP composite terminal 110.

According to the present invention, by providing an incentive when using the VoIP composite terminal 110, the platform operating server, etc., there is an advantage that can secure more customers using this service.

In addition, by providing such incentives, there is an advantage in that customers can get benefits such as discount (or reduction) on telephone call charges.

Claims

Receiving card payment history information from an online card payment system at the server, or receiving payment payment information from an online bank transfer payment system;

Calculating an incentive corresponding to the received card payment history information (or transfer payment history information) at a server;

And transmitting the calculated incentive information from a server to a server (or a target VoIP terminal to provide an incentive) for providing a VoIP service.

The method of claim 1,

And checking a condition for providing an incentive for the received card payment history information.

The method of claim 1, wherein the incentive provision condition is

Method for providing incentives, characterized in that the number of payments (or financial transactions), or the amount of payments (or financial transactions).

The method of claim 1, wherein the incentive is

A method of providing an incentive, characterized in that a discount on a communication fee using a VoIP service in proportion to the number (or amount) of payments (or financial transactions) or a free call coupon.

A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

Means for receiving card payment history information from an online card payment system at the server or transferring payment history information from an online bank transfer payment system;

Means for calculating an incentive corresponding to the received card payment history information (or transfer payment history information) at a server;

And means for transmitting the calculated incentive information from a server to a server (or a target VoIP terminal to provide an incentive) for providing a VoIP service.