KR20100102476A

KR20100102476A - Method for settling display response, voice call device

Info

Publication number: KR20100102476A
Application number: KR1020090020889A
Authority: KR
Inventors: 최수진
Original assignee: 주식회사 신한은행
Priority date: 2009-03-11
Filing date: 2009-03-11
Publication date: 2010-09-24

Abstract

The present invention relates to a screen response payment method and a voice call apparatus for the same. A method for processing a screen response payment in a voice call terminal having a voice call function, a screen output means and a key input means according to the present invention is provided. Storing the payment / transaction target auto-answer phone number and payment / transaction interface information for converting the auto-response payment for the phone number into a screen-response payment in a memory unit; when the call is connected to the voice call terminal, Comparing the payment / transaction target auto-response phone numbers stored in a memory unit to check whether they match; outputting the payment / transaction interface to the screen output means when the phone numbers match; Transfer payment / transaction information, including card information and one or more payment amounts, entered through the server to the network And a step of processing a payment.

Description

Screen Response Payment Method and Voice Call Device for It {Method for Settling Display Response, Voice Call Device}

FIG. 1 is a diagram illustrating a VoIP subscription system for converting and processing voice call-based automatic response payment into screen response payment according to an embodiment of the present invention.

2 is a diagram illustrating a VoIP subscription process according to an embodiment of the present invention.

3 is a diagram illustrating a functional configuration of a VoIP terminal having a screen response payment / transaction function interworking with a voice call-based automatic response system according to an embodiment of the present invention.

4 is a diagram illustrating a payment / transaction system for converting and processing a voice call-based automatic response payment / transaction into a screen response payment / transaction according to an embodiment of the present invention.

5 is a diagram illustrating a voice call connection process for converting and processing a voice call-based automatic response payment / transaction into a screen response payment / transaction according to an embodiment of the present invention.

6 is a diagram illustrating a voice call connection process for converting and processing a voice call-based automatic response payment / transaction into a screen response payment / transaction according to another embodiment of the present invention.

FIG. 7 is a diagram illustrating a multi-channel communication process for converting and processing a voice call-based automatic response payment / transaction into a screen response payment / transaction according to an embodiment of the present invention.

8 is a diagram illustrating a process of processing a VoIP terminal to be recognized as a virtual financial terminal according to an embodiment of the present invention.

9 is a diagram illustrating a payment / transaction interface output process for screen response payment / transaction according to an embodiment of the present invention.

10 is a diagram illustrating a payment / transaction information input process for screen response payment / transaction according to an embodiment of the present invention.

11 is a diagram illustrating a payment / transaction information input process for screen response payment / transaction according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a screen response payment / transaction process according to an embodiment of the present invention.

100: VoIP subscription server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information generating unit 125: information storage unit

130: information transmission unit 135: virtual financial terminal D / B

140: telephone number D / B 145: VoIP server

150: subscription processing terminal 155: VoIP terminal

The present invention provides a method for processing a screen response payment in a voice call terminal having a voice call function, a screen output means, and a key input means, comprising: one or more payment / transaction target auto-response phone numbers and an automatic response to the phone number. Storing payment / transaction interface information for converting payment into screen-response payment in a memory unit, and comparing a payment / transaction target automatic answering phone number stored in the memory unit when a call is connected to the voice call terminal; Checking, and if the phone number is matched, outputting the payment / transaction interface to the screen output means, and payment / transaction information-card information, the payment amount input through the payment / transaction interface includes one or more It relates to a screen-response payment method comprising the step of transmitting the payment to the server on the communication network.

As the continuous development of information and communication technology has been integrated into payment and financial industries, payment and financial transactions, which have been processed only in the past in the face-to-face manner, have recently been processed through various non-face-to-face channels. It is expected to increase further with development.

On the other hand, among the non-face-to-face channels that provide non-face-to-face payment or financial transactions, non-face-to-face channels that can be widely used without any other face-to-face authentication means (eg, accredited certificates, OTP, etc.) are automatically based on voice calls. This method uses an Automatic Response Service (ARS).

However, in case of providing non-face-to-face payment or financial transaction through the voice call-based auto answering channel, the payment / transaction auto-response channel listens to a complex multi-stage voicement and listens to the payment or financial transaction. In spite of the inconvenience of having to input various information necessary for the key, it is not widely used as it is thought despite the advantage that it can be used without any non-face-to-face authentication means (for example, an accredited certificate, OTP, etc.).

An object of the present invention for solving the above problems is, in a voice call terminal having a voice call function, a screen output means and a key input means, one or more payment / transaction target auto-response phone numbers, and automatic Memory unit for storing the payment / transaction interface information for converting the response payment to the screen response payment, and when the call of the voice call terminal, compares the payment / transaction target automatic answering phone numbers stored in the memory unit to check whether When the information confirmation unit and the phone number match, the interface output unit for outputting the payment / transaction interface to the screen output means and payment / transaction information-card information, payment amount input through the payment / transaction interface A voice call including an information processing unit for transmitting a payment to a server on a communication network by including one or more; It has value to provide.

A method for processing a screen response payment in a voice call terminal having a voice call function and a screen output means and a key input means according to the present invention comprises at least one payment / transaction target auto-response phone number and an automatic response to the phone number. Storing payment / transaction interface information for converting payment into screen-response payment in a memory unit, and comparing a payment / transaction target automatic answering phone number stored in the memory unit when a call is connected to the voice call terminal; Checking, and if the phone number is matched, outputting the payment / transaction interface to the screen output means, and payment / transaction information-card information, the payment amount input through the payment / transaction interface includes one or more -Transmitting to the server on the communication network to process the payment.

The screen response payment method according to the present invention comprises the steps of: transmitting a screen response payment / transaction initiation signal to notify the processing to convert the voice call-based automatic response payment / transaction to the screen response payment / transaction to the automatic response server connected to the call; Characterized in that further comprises.

In the screen-response payment method according to the present invention, the payment / transaction interface information includes a payment / transaction for each auto-responder phone number that converts and displays an automatic response payment procedure corresponding to the payment / transaction target autoresponder phone number to a screen response. It is characterized by including the interface information.

A voice call terminal having a voice call function, a screen output means, and a key input means according to the present invention converts one or more payment / transaction target auto-response phone numbers and auto-response payments for the phone numbers into screen-response payments. A memory unit for storing payment / transaction interface information for information, an information confirmation unit for comparing a payment / transaction target automatic answering phone number stored in the memory unit when a call is connected to the voice call terminal, and confirming that the phone number is matched with the telephone number; Is matched, the interface output unit for outputting the payment / transaction interface to the screen output means and the payment / transaction information input through the payment / transaction interface-including at least one card information, payment amount-to the server on the communication network And an information processing unit for transmitting and processing payment.

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

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

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. In other words, each means constituting the present invention is a server (or terminal) provided on the system shown in the following embodiments, or a predetermined functional configuration provided in at least one or more servers (or terminals), or at least It may be an association of at least two or more functional components provided in one or more servers (or terminals). In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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.

In more detail, Figure 1 is a Voice over Internet Protocol (VoIP) or Internet telephone subscription customer provided with a key input means, a screen output means and a card reader, a virtual financial terminal (eg, CD (Cash Dispenser) through the card reader ), Purchase (or receive) a VoIP terminal 155 having a security module for controlling non-face-to-face payment / transaction using an ATM (including at least one automatic teller machine) function, and to the VoIP terminal 155 In the VoIP subscription process, if the subscription processing terminal 150 provides VoIP subscription information including at least one of customer information, VoIP terminal 155 information and security module information to the VoIP system through a communication network, The VoIP subscription information is stored in the virtual financial terminal D / B 135 provided on the VoIP system, and the virtual financial terminal activation information for the security module corresponding to the security module information is generated to generate the Vo. After providing the IP terminal 155, the virtual financial terminal D / B 135 is further connected with the virtual financial terminal activation information and stored in the virtual financial terminal D / B 135, thereby providing the VoIP terminal 155. VoIP subscription system for processing to provide non-face-to-face payment / transaction based on CD / ATM), and those skilled in the art to which the present invention pertains, refer to and / or modify the present invention Various implementation methods may be inferred for the configuration of the VoIP subscription system for converting the voice call-based automatic response payment into a screen response payment, but the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited only to the implemented method.

Hereinafter, the VoIP subscription information provided from the subscription processing terminal 150 is stored in the virtual financial terminal D / B 135 on the VoIP subscription information registration system shown in FIG. 1 and the security corresponding to the security module information. After generating the virtual financial terminal activation information for the module to provide to the VoIP terminal 155 to the VoIP terminal 155, the virtual financial terminal activation information to the virtual financial terminal D / B 135 by further linking the At least one or more means for storing in the virtual financial terminal D / B 135, or components corresponding to the functional configuration, are referred to as " VoIP subscription server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the VoIP subscription system includes at least one subscription processing terminal 150 connected to a communication network, customer information transmitted from the subscription processing terminal 150, and a VoIP terminal ( 155) A virtual financial terminal D / B 135 for storing VoIP subscription information including at least one information and security module information, and further storing the virtual financial terminal activation information for the security module corresponding to the security module information. And, and is connected to the subscription processing terminal 150 through a communication network, receives the VoIP subscription information transmitted through the communication network and stores in the virtual financial terminal D / B 135, and corresponds to the security module information Characterized in that it comprises a VoIP subscription server 100 for storing in the virtual financial terminal D / B 135 by further connecting the virtual financial terminal activation information for the security module, One or more auto-response server information to be processed by converting a payment / transaction based on the telephone call into a response-payment / transaction. And a telephone number D / B 140 that stores and stores payment / transaction interface information corresponding to the automatic response payment procedure for each number.

The subscription processing terminal 150 is a wired communication network based on TCP / IP (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) or cable communication network). A mobile communication terminal comprising at least one wired terminal including a desktop computer or a laptop connected to the VoIP subscription server 100 through a communication or connected to a code division multiple access (CDMA) based mobile communication network, or A wireless communication terminal connected to a High Speed Downlink Packet Access (HSDPA) based wireless communication network, a portable Internet terminal connected to an IEEE 802.16x based high speed wireless Internet, or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN network. Characterized in that it comprises at least one or more wireless terminals including one or more.

According to an embodiment of the present invention, the subscription processing terminal 150 inputs (or at least one VoIP subscription information including at least one customer information, VoIP terminal 155 information and security module information from the VoIP subscription server 100) (or Receiving and outputting at least one interface screen and inputting (or selecting) VoIP subscription information including at least one of customer information, VoIP terminal 155 information, and security module information through the interface screen. It is preferable that a function configuration (eg, a browser program and a communication function) for transmitting to the VoIP subscription server 100 is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the subscription processing terminal 150 corresponding to at least one wired terminal or a wireless terminal. Omit.

When the subscription processing terminal 150 is a wired terminal according to an embodiment of the present invention, the communication network includes the TCP / IP based wired communication network, and when the subscription processing terminal 150 is a wireless terminal, Preferably, the communication network includes at least one CDMA-based (or HSDPA-based) mobile communication network, IEEE 802.16x-based high-speed wireless Internet, or IEEE 802.11x-based wireless LAN communication network.

The virtual financial terminal D / B 135 provided on the VoIP system for the VoIP subscription includes at least one of customer information, VoIP terminal 155 information, and security module information transmitted from the subscription processing terminal 150. The VoIP subscription information is stored, and the virtual financial terminal activation information for the security module corresponding to the security module information is further linked and stored.

Here, the customer information is the personal information (or subscriber) of the customer who purchases (or receives) the VoIP terminal 155 equipped with the card reader and the security module, and requests the VoIP subscription to the VoIP terminal 155. Information).

The VoIP terminal 155 information is identification information assigned to the VoIP terminal 155 by a VoIP service provider to identify the VoIP terminal 155 that is requested to be subscribed among the plurality of VoIP terminals 155. It is preferable that the VoIP terminal 155 includes a telephone number, and other identification information (for example, an ESN or a serial number, or an IP address, the VoIP terminal 155) other than the VoIP terminal 155 telephone number according to the intention of the person skilled in the art. Virtual financial terminal identification information, etc. assigned to the security module of the) is preferably made further.

The security module information is information for identifying a security module provided in the VoIP terminal 155, and preferably includes one or more of the security module identification code, serial number, authentication number, and the like.

The virtual financial terminal activation information is activated by the security module provided in the VoIP terminal 155 and the VoIP terminal 155 is recognized as a virtual financial terminal (for example, CD / ATM (Cash Dispenser / Automatic Teller Machine)) and Information to be processed to operate, including at least one verification (or authenticator) information, authentication key information (or information for generating an authentication key), authentication number, etc. that are read (or authenticated) by the security module It is preferable to lose.

According to another exemplary embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through a random number, it is omitted that the virtual financial terminal activation information is stored in the virtual financial terminal D / B 135. As such, the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the VoIP subscription server 100 establishes a communication channel with the subscription processing terminal 150 through the communication network in order to provide a web interface corresponding to the communication network with the subscription processing terminal 150. It is characterized in that it comprises an interface unit 105 for connecting and managing, whereby the VoIP subscription server 100 is connected to the subscription processing terminal 150 and a wired communication network, or a wireless communication network of a web server connected through a wireless communication network. With functions.

According to an embodiment of the present invention, when the subscription processing terminal 150 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 105 is connected to the subscription processing terminal 150. Connect a communication channel based on HTTP (Hyper-Text Transfer Protocol) protocol, and transmit and output an interface screen in the form of a Hyper-Text Markup Language (HTML) compatible document to the subscription processing terminal 150 through the communication channel. It is preferable to perform a function of receiving and processing VoIP subscription information input (or selected) through the interface screen from the subscription processing terminal 150.

According to another exemplary embodiment of the present invention, when the subscription processing terminal 150 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 105 is connected to the subscription processing terminal 150 and the WAP. (Wireless Application Protocol) or ME (Mobile Explorer) protocol to connect a communication channel, the interface screen in the form of WML (Wireless Markup Language) or HTML compatible document to the subscription processing terminal 150 through the communication channel It is preferable to perform the function of transmitting and outputting and receiving and processing the VoIP subscription information corresponding to the interface screen from the subscription processing terminal 150.

According to another exemplary embodiment of the present invention, when the subscription processing terminal 150 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 is the subscription processing terminal 150. ) And a communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmits and outputs an interface screen to the subscription processing terminal 150 through the communication channel. It is preferable to perform a function of receiving and processing VoIP subscription information corresponding to the interface screen, or when the subscription processing terminal 150 is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network, The interface unit 105 connects the communication channel with the communication channel based on the wireless protocol corresponding to the IEEE 802.11x standard, and the communication. To transfer the board through the interface screen to the join processing terminal 150 to the output, and performs processing from the subscriber terminal 150 functions to process the received VoIP subscription information corresponding to the interface screen are preferred.

Referring to FIG. 1, the VoIP subscription server 100 connects the VoIP subscription server 100 to the VoIP subscription server 100 through the interface unit 105 to request VoIP registration information registration. In operation 105, the subscription processing terminal 150 generates an interface screen for inputting (or selecting) and transmitting VoIP subscription information including at least one of customer information, VoIP terminal 155 information, and security module information. (Or extract) to provide the interface providing unit 110 and the VoIP subscription information input (or selected) transmitted through the interface screen from the subscription processing terminal 150 in conjunction with the interface unit 105 And an information storage unit 125 for storing the received VoIP subscription information in the virtual financial terminal D / B 135.

The interface providing unit 110, when the subscription processing terminal 150 is connected to the VoIP subscription server 100 through the interface unit 105, the functional configuration (eg, subscription) provided in the subscription processing terminal 150 In response to the browser program included in the processing terminal 150, the user inputs (or selects) VoIP subscription information to generate an interface screen for transmitting to the VoIP subscription server 100 through the communication network, or a database (not shown). And the interface screen generated in conjunction with the interface unit 105 is provided to the subscription processing terminal 150 through the communication network.

Thereafter, the subscription processing terminal 150 inputs (or selects) VoIP subscription information including at least one of customer information, VoIP terminal 155 information, and security module information based on the interface screen, and the VoIP subscription information. When it is confirmed that is input (or selected), the subscription processing terminal 150 transmits the input (or selected) VoIP subscription information to the VoIP subscription server 100 through the communication network.

Those skilled in the art to which the present invention pertains, the customer information and VoIP terminal 155 information and at least one form form included in the interface screen in the subscription processing terminal 150 and The VoIP subscription server 100 includes technical features for inputting (or selecting) VoIP subscription information including at least one security module information, and the VoIP subscription information input (or selected) through a communication protocol provided by the communication network. Since you will be familiar with the technical features to transmit to, a detailed description thereof will be omitted for convenience.

The information receiving unit 115 inputs (or selects) the VoIP subscription information through the interface screen from the subscription processing terminal 150 and transmits the information through the communication network. The VoIP subscription information is interworked with the interface unit 105. And receiving the received VoIP subscription information to the information storage unit 125.

The information storage unit 125 stores the VoIP subscription information including at least one of the customer information, the VoIP terminal 155 information, and the security module information received through the information receiving unit 115 in the virtual financial terminal D / B ( 135).

Referring to FIG. 1, the VoIP subscription server 100 includes an information generation unit 120 for generating virtual financial terminal activation information for a security module corresponding to the security module information, and the generated virtual financial terminal activation information. Information storage unit 130 for transmitting the information to the VoIP terminal 155 and the information storage unit 125 for further storing the virtual financial terminal activation information in association with the virtual financial terminal D / B 135. Characterized in that, the information transmitting unit 130, one or more auto-response server information stored in the phone number D / B (140) and payment / transaction target auto-response phone number corresponding to the auto-response server and each payment It is characterized in that for transmitting the payment / transaction interface information corresponding to the automatic response payment procedure for each transaction / automatic response telephone number to the VoIP terminal 155 to store in the memory, the information transmission unit 130 is provided in the telephone number update server (not shown) to periodically repeat the automatic response server information and payment / transaction target automatic response telephone number and payment / transaction interface information provided in the telephone number D / B (140) It is possible to transmit to the VoIP terminal 155 and store in the memory.

When the VoIP subscription information including at least one of the customer information, the VoIP terminal 155 information, and the security module information is received through the information receiver 115, the information generator 120 is included in the VoIP subscription information. The virtual financial terminal activation information for the security module provided in the VoIP terminal 155 is generated based on the security module information.

Here, the virtual financial terminal activation information is information for activating a security module provided in the VoIP terminal 155 to process the VoIP terminal 155 to operate as a virtual financial terminal (eg, CD / ATM). It is preferable to include one or more verifier (or authenticator) information, authentication key information (or information for generating an authentication key), authentication number and the like that are read (or authenticated) by the security module.

According to another embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through random numbers, generating the virtual financial terminal activation information may be omitted, and the present invention is not limited thereto. .

When the virtual financial terminal activation information is generated by the information generator 120, the information transmitter 130 transmits the virtual financial terminal to the VoIP terminal 155 corresponding to the VoIP terminal 155 information through a communication network. By transmitting activation information, the VoIP terminal 155 converts a voice call-based automatic response payment / transaction into a screen response payment / transaction and processes the non-face-to-face payment / transaction of the security module through the virtual financial terminal activation information. It is characterized in that the processing to enable the function.

According to another exemplary embodiment of the present invention, the information transmission unit 130 corresponds to the VoIP terminal 155 corresponding to the VoIP terminal 155 information through the VoIP server 145 to which the VoIP terminal 155 and the VoIP communication channel are connected. ) By transmitting the virtual financial terminal activation information to the VoIP terminal 155 to convert the voice call-based automatic response payment / transaction into a screen response payment / transaction and processing the security module through the virtual financial terminal activation information. It is possible to process so that the non-face-to-face payment / transaction function is activated, whereby the present invention is not limited.

When the VoIP terminal 155 converts the voice call-based automatic response payment / transaction into the screen response payment / transaction in the VoIP terminal 155 and processes the non-face-to-face payment / security of the security module through the virtual financial terminal activation information. When the transaction function is processed to be activated, the information storage unit 125 may further store the virtual financial terminal activation information in the virtual financial terminal D / B 135 in further connection with the VoIP subscription information.

According to an exemplary embodiment of the present invention, the information transmitter 130 transmits the virtual financial terminal activation information to the VoIP terminal 155, or after transmitting, to the telephone number D / B 140. The VoIP terminal displays stored one or more auto-response server information, payment / transaction target auto-response phone number corresponding to the auto-response server, and payment / transaction interface information corresponding to auto-response payment procedure for each payment / transaction target auto-response phone number. It is preferable to transmit to 155 to store in the memory.

In more detail, in FIG. 2, the subscriber processing terminal 150 on the VoIP subscription information registration system shown in FIG. 1 provides customer information, VoIP terminal 155 information, and security module information to the VoIP subscription server 100 through a communication network. When the VoIP subscription information including at least one is transmitted, the VoIP subscription server 100 stores the VoIP subscription information in the virtual financial terminal D / B 135, for the security module corresponding to the security module information After the virtual financial terminal activation information is generated and provided to the VoIP terminal 155, the virtual financial terminal D / B 135 is further connected with the virtual financial terminal activation information to the virtual financial terminal D / B 135. As a matter of course, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 2 to infer various implementation methods for the VoIP subscription process. However, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, FIG. 2 provides the virtual financial terminal activation information transmitted to the VoIP terminal 155 to the VoIP terminal 155, and then converts the voice call-based automatic response payment / transaction into a screen response payment / transaction. Although illustrated and described as providing the auto-response server information and the payment / transaction target auto-response phone number and payment / transaction interface information to the VoIP terminal 155, the present invention is not limited thereto. It is apparent that server information, payment / transaction target auto-response phone number, and payment / transaction interface information can be provided to the VoIP terminal 155 at a specific point in time according to the intention of the skilled person.

Hereinafter, in FIG. 2, the VoIP subscription server 100 on the VoIP subscription information registration system shown in FIG. 1 is referred to as " server " for convenience, and the subscription processing terminal 150 on the VoIP subscription information registration system shown in FIG. It is called "terminal" for convenience.

Referring to FIG. 2, a terminal on the VoIP subscription information registration system shown in FIG. 1 connects to a communication channel for VoIP subscription providing virtual CD / ATM based non-face-to-face payment / transaction by accessing the server through the communication network. (200).

Those skilled in the art to which the present invention pertains, the terminal accesses the communication channel for the VoIP subscription by connecting to the server according to the communication protocol corresponding to the communication network through a browser program corresponding to the communication network. Since it will be familiar with the technical features to be connected, a detailed description thereof will be omitted for convenience.

When the communication channel for the VoIP subscription is connected between the terminal and the server as described above, the terminal requests the interface screen for the VoIP subscription to the server through the communication channel (205), and the server correspondingly The terminal generates (or extracts) an interface screen including a user interface for inputting (or selecting) VoIP subscription information including at least one of the customer information, the VoIP terminal 155 information, and the security module information (210). The generated (or extracted) interface screen is transmitted to the terminal through the communication channel (215).

Thereafter, the terminal includes at least one VoIP subscription information including at least one of the customer information, the VoIP terminal 155 information, and the security module information through the user interface included in the interface screen for input (or selection) of the VoIP subscription information. Process 220 to input (or select).

If the VoIP subscription information is input (or selected) at the terminal (225), the terminal includes at least one of the customer information, the VoIP terminal 155 information, and the security module information to the server through the communication channel. The VoIP subscription information is transmitted (230), and correspondingly, the server stores the received VoIP subscription information in the virtual financial device D / B 135 shown in FIG. 1 (235).

Thereafter, the server generates virtual financial terminal activation information for the security module provided in the VoIP terminal 155 based on the security module information included in the VoIP subscription information (240).

Subsequently, by transmitting the virtual financial terminal activation information to the VoIP terminal 155 corresponding to the VoIP terminal 155 information, the voice terminal based automatic response payment / transaction is transferred to the screen response payment / transaction by the VoIP terminal 155. At the time of switching and processing, the non-face-to-face payment / transaction function of the security module is activated through the virtual financial terminal activation information (245).

If the VoIP terminal 155 is processed to activate the non-face-to-face payment / transaction function of the security module through the virtual financial terminal activation information (250), the server sends the virtual financial terminal activation information to the VoIP subscription information. In operation 255, the virtual financial terminal D / B 135 stores the data in the virtual financial terminal D / B 135.

In addition, the server automatically stores one or more auto-response server information stored in the phone number D / B 140 and the payment / transaction target auto-response phone number corresponding to the auto-response server and each payment / transaction target auto-response phone number Check the payment / transaction interface information corresponding to the response payment procedure (260), and transmit the identified auto-response server information, the payment / transaction target auto-response phone number and payment / transaction interface information to the VoIP terminal 155 Stored in the memory unit (265).

3 is a diagram illustrating a functional configuration of a VoIP terminal 300 having a screen response payment / transaction function interworking with a voice call-based automatic response system according to an embodiment of the present invention.

In more detail, FIG. 3 includes a voice call function, a key input unit, a screen output unit, and a card reader connected to a voice call-based automatic response service (ARS), and a virtual finance through the card reader. In the VoIP terminal 300 having a security module 323 for controlling non-face-to-face payment or financial transactions through a terminal (eg, one or more CD (Cash Dispenser), ATM (automatic teller machine) at least) function, When the automatic response system connected to the VoIP terminal 300 and the voice call channel provides a payment or a financial transaction, the automatic response-based payment or financial transaction is automatically switched to a screen response-based payment or financial transaction. As for those who have ordinary knowledge in the art to which the present invention pertains, the voice call-based ruler is referred to and / or modified with reference to FIG. In addition to the screen response payment / transaction function interworking with the response system, various additional function configurations for the VoIP terminal 300 having various non-face-to-face financial transaction functions can be further inferred, and other voices other than the VoIP terminal 300 can be further inferred. Although a call terminal (eg, a landline phone, a mobile phone, etc.) may further infer an implementation method of providing a screen response payment / transaction function interworking with the voice call-based automatic answering system, the present invention provides all the inference methods. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 3, the VoIP terminal 300 for screen response payment / transaction interworking with the voice call-based automatic response system basically includes a control unit 303, a memory unit 315, a card reader unit 305, and a key. Including an input unit 310, a screen output unit 307, a sound processor 313, a security module 323 and a power supply unit 325 for supplying power to the VoIP terminal 300, the VoIP terminal Connect the gateway 380 (or gatekeeper 385) and the VoIP communication channel (or voice call channel) through the communication network connected to the 300, or the financial company server on the communication network connected to the VoIP terminal 300 ( 367) (or communication relay server 370) and the communication channel for the virtual CD / ATM-based financial transaction (or payment) via the VoIP, and the financial company server 367 (or payment relay server 375 on the communication network) Screen response payment / transaction with)) and voice call-based automatic answering system Characterized in that it comprises a communication processing unit 317 for connecting a communication channel for, it is possible to further comprise at least one or more terminal functional units (not shown) according to the intention of those skilled in the art. If the voice call terminal 390 providing a screen response payment / transaction interworking with the voice call-based automatic answering system is a wired telephone, the communication processing unit 317 is a communication channel (or voice call channel) with an exchange on a wired telephone network. If the voice call terminal 390 that provides a screen response payment / transaction interworking with the voice call-based automatic answering system is a mobile phone, the communication processing unit 317 communicates with a wireless switch on a mobile communication network. It is clear that it is possible to connect channels (or voice call channels), and that the present invention includes all such inferred implementations.

The control unit 303 controls the overall operation of the VoIP terminal 300 in function configuration, manages the flow of information or data between each component, and the screen response payment / transaction function interworking with the voice call-based automatic response system Characterized in that interlocking and controlling at least one component provided in the VoIP terminal 300 for at least one, and at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) and It includes an execution memory (for example, register or RAM (Random Access Memory)) and a bus (BUS) for inputting and outputting predetermined data, and in order to perform software-specific functions of the VoIP terminal 300 A predetermined program routine that is loaded from a predetermined recording medium into the execution memory and is processed by the processor. e) or a program recorded on a recording medium provided in the VoIP terminal 300 for a screen response payment / transaction function interworking with the voice call-based automatic answering system, including the program data, or the VoIP terminal 300 Of the functional components provided in the control unit 303 are shown in the control unit 303.

According to the exemplary embodiment of the present invention, the controller 303 is configured to display the components (eg, the memory unit 315, the card reader unit 305, the key input unit 310, and the screen) provided in the VoIP terminal 300. Control various functions provided in the VoIP terminal 300 by interworking the unit 307, the security module 323 and the communication processing unit 317, or a terminal function unit (not shown) according to the intention of those skilled in the art. In addition to managing, interworking control the components provided in the VoIP terminal 300 for screen response payment / transaction interworking with the voice call-based automatic response system, or interworking with the voice call-based automatic response system It is preferable to execute a program recorded in the recording medium provided in the VoIP terminal 300 for the screen response payment / transaction.

The memory unit 315 may be input / output information when an operation by a predetermined program routine (or code) or program data (eg, a program routine (or code)) for controlling the overall operation of the VoIP terminal 300 or General term for non-volatile memory for storing data, including at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EPEROM) or Flash Memory (FM) or Hard Disk Drive (HDD). And a predetermined program routine required for the control unit 303 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 done.

According to an embodiment of the present invention, the memory unit 315 is connected to the voice call-based automatic response system, the VoIP terminal in the financial company server 367 (or communication relay server 370) for screen response payment / transaction interworking It is preferable to store the security module 323 information for confirming the security module 323 provided in the (300).

According to an embodiment of the present invention, the memory unit 315 is a card reader unit for a virtual CD / ATM-based financial transaction (or payment) for screen response payment / transaction interworking with a voice call-based automatic response system. The card information reading interface information for reading card information (or account information) from the customer card through the screen output unit 307 and the key input unit 310 for outputting the card information reading interface (307) from the customer card. It is preferable to store one or more interface information including one or more payment / transaction item selection interface information for outputting the payment / transaction item selection interface for selecting payment / transaction through the screen output unit 307. And a virtual financial terminal authentication interface for inputting authentication information for processing the VoIP terminal 300 to be authenticated as a virtual financial terminal. That the screen output unit 307 and to further store the virtual financial terminal authentication information to the output interface link is preferred.

In particular, the card information reading interface is a case where the customer card is an IC card having a PIN (Personal Identification Number) authentication function or a card password authentication function provided in the customer card is provided in the VoIP terminal 300. Preferably, the PIN card further comprises a PIN input interface for inputting PIN information (or card password) for the customer card.

According to an embodiment of the present invention, the memory unit 315 may include a payment / transaction information input interface for inputting (or confirming) payment / transaction information for screen response payment / transaction interworking with the voice call-based automatic response system. It is preferable to store payment / transaction information input interface information for output in association with the screen output unit 307.

According to an embodiment of the present invention, the memory unit 315 preferably stores one or more payment / transaction target autoresponder phone numbers for the screen response payment / transaction interworking with the voice call-based automatic response system.

Here, the payment / transaction target autoresponder phone number is configured to automatically convert a voice call-based autoresponse payment / transaction into a screen response payment / transaction among the phone numbers to which the VoIP terminal 300 and the voice call channel are connected. It is desirable to include a registered answering machine telephone number.

According to an exemplary embodiment of the present invention, the memory unit 315 may display a payment / transaction interface for each payment / transaction target autoresponder phone number for a screen response payment / transaction interworking with a voice call-based automatic response system. It is preferable to store payment / transaction interface information for each automatic answering phone number for output in association with 307 in association with each payment / transaction target autoresponding phone number, and the payment / transaction interface is integrated (or standardized). In this case, the payment / transaction interface information may not be stored in association with each payment / transaction target automatic answering phone number.

Here, the payment / transaction interface information may include interface output information for outputting the card information reading interface, PIN input interface, payment / transaction item selection interface, payment / transaction information input interface in a predetermined order, or an interface output macro. It is desirable to include one or more pieces of information.

In particular, a payment / transaction interface (eg, payment / transaction information input interface) for a screen response payment / transaction interworking with the voice call-based automatic response system is provided through the key input unit 310 (e.g., In addition to an interface for inputting a payment amount (or transaction amount), a password, etc.), the voice call-based automatic answering system receives and recognizes payment / transaction information (eg, payment amount (or transaction amount)) in a complex frequency coded manner. It is further provided with a function of automatically inputting (or outputting) or automatically receiving (or outputting) payment / transaction information (for example, payment amount (or transaction amount)) through a data communication channel defined in the communication network. It is preferable to make it.

Customers using the VoIP terminal 300, based on the ISO / IEC 7810 standard MS (Magnetic Stripe) card, or based on the ISO / IEC 7816 standard contact IC card (or wireless IC chip), or ISO / Based on the IEC 14443 standard, it possesses (or owns) a card including at least one contactless IC card (or wireless IC chip), and the card reader 305 includes at least one information or data provided in the card. It provides an interface for reading the.

According to the embodiment of the present invention, the card reader unit 305 is an MS reader unit providing an interface between the MS card and the VoIP terminal 300, or an interface between the contact IC card and the VoIP terminal 300. It comprises a contact IC reader unit for providing, or a contactless IC reader unit for providing an interface between the contactless IC card and the VoIP terminal 300.

The MS reader unit is a card reader unit 305 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data to the VoIP terminal 300 from at least one track (Track) provided in the MS of the MS card by using the loading.

The contact IC reader unit is a card reader unit 305 based on ISO / IEC 7816 and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies the power to the IC chip of the IC card through the contact point, and the predetermined information or from the IC chip through the half-duplex transaction using an APDU (Application Protocol Data Unit) It is characterized by interfacing the data to the VoIP terminal 300.

The contactless IC reader unit is a card reader unit 305 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, and transmits predetermined information or data from the IC chip through the half duplex transaction using APDU (VoIP terminal) 300).

According to an embodiment of the present invention, the card reader unit 305 is a card information (for example, from the customer card through the card reader unit 305 for the screen response payment / transaction interworking with the voice call-based automatic response system) It is preferable to read at least one of the cash card information, debit card information, check card information associated with the customer account, account information (eg, real account number, virtual account number, online account number) to electronic bank account information. Hereinafter, when the card information, the account information, or the electronic bank account information read through the card reader unit 305 is used for the screen response payment / transaction linked with the voice call-based automatic response system, the card information, or Account information or electronic bank account information is collectively called "card information."

The key input unit 310 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 predetermined information from a predetermined key button provided in the key input device in a specific input mode or operation mode of the VoIP terminal 300 controlled by the controller 303. When (or a signal) is input, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 303. The controller 303 Obtaining predetermined key data corresponding to the key event in the current input mode or operation mode of the VoIP terminal 300, or executing a predetermined function matched to the key event It is characterized by obtaining a command. The key input unit 310 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 terminal 300.

The key input device interworking with the key input unit 310 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a character key (for example, an English character key or a Korean character key) and a function. At least one keyboard device having a key, or at least one touch screen device having at least one numeric key and a function key in conjunction with the screen output means, or at least one numeric key, a character key and a function key. It is preferable to comprise.

According to an embodiment of the present invention, the key input unit 310 is a screen interlocking with the voice call-based automatic answering system from at least one key input device for screen response payment / transaction interworking with the voice call-based automatic answering system It is preferable to perform the function of the key input means for receiving at least one or more key data required in the response settlement / transaction process.

According to the exemplary embodiment of the present invention, the key input device corresponding to the key input unit 310 switches the operation mode of the VoIP terminal 300 from the initial mode (or the standby mode) to the voice call mode, or the data communication mode. Multi-mode including a voice communication mode and a data communication mode simultaneously for switching to a screen or performing a screen response payment / transaction interworking with the voice call-based automatic answering system (for example, an operation in which a data communication mode is added to the voice call mode) Mode, or an operation mode in which a voice call mode is added to the data communication mode), or a hot key or a virtual financial terminal function menu key.

The screen output unit 307 is a liquid crystal display (LCD) or a cathode ray tube (CRT) by the controller 303 while the VoIP terminal 300 performs a predetermined function (for example, an electronic payment processing function). Outputting at least one or more information or data that is predefined or defined in real time to be output to a predetermined display output device including a) through a predefined interface screen, and the screen output unit 307 and the screen output Devices interoperate with each other to perform the function of the screen output means provided in the VoIP terminal 300.

The predefined information or data to be output from the VoIP terminal 300 to the screen output device may be provided by key data input through the key input unit 310 or a component provided in the VoIP terminal 300. Information (or data) stored or generated, information (or data) transmitted or received through at least one or more communication processing units 317, or information (or data) corresponding to a predetermined operation result performed by the VoIP terminal 300. It comprises at least one.

According to a preferred embodiment of the present invention, the screen output unit 307 is a screen interlocking with the voice call-based automatic answering system to the screen output device for the screen response payment / transaction interworking with the voice call-based automatic answering system It is preferable to perform the function of the screen output means for outputting a processing screen corresponding to the response settlement / transaction step.

The sound processor 313 is a functional component that processes input and output of sound in a voice call mode (or a multi-communication mode including a voice call mode and a data communication mode) of the VoIP terminal 300, and includes at least one encoding. Decoded sound data (or voice data) to be output to a speaker provided in the VoIP terminal 300 or to encode a sound signal input through a microphone provided in the VoIP terminal 300. It is characterized by comprising a vocoder (Vocoder) and a codec (Codec) to be encoded.

The communication processing unit 317 connects a VoIP-based voice call channel between the VoIP terminal 300 and the gateway 380 (or the gatekeeper 385), or a data server (eg, a data server on the communication network) with the VoIP terminal 300. Or various web servers, VoIP management servers, financial institution servers 367, communication relay servers 370, payment relay servers 375, etc.) or VoIP-based data communication channels, or the voice call-based automatic answering system. It is characterized by connecting multiple communication channels connecting multiple VoIP-based voice call channels and VoIP-based data communication channels for interlocking screen response payment / transaction.

According to an exemplary embodiment of the present invention, the communication processing unit 317 is connected to the gateway 380 (or gatekeeper 385) to connect a VoIP-based voice call channel to a call terminal 390 corresponding to a specific telephone number. (Eg, a landline telephone, a wireless telephone, a mobile telephone, a VoIP terminal) or an automatic answering server 395 and a voice call module 320 for processing a call connection to connect a voice call channel. The voice call module 320 is characterized by comprising a voice-related protocol stack of the VoIP communication protocol.

The security module 323 when the VoIP terminal 300 processes the screen response payment / transaction interworking with the voice call-based automatic response system using the virtual financial terminal function of the VoIP terminal 300, the virtual Security requirements including confidentiality or authentication or integrity or nonrepudiation required in performing financial terminal functions without using an authentication server (not shown) on the network. As a safety device for performing a secure and reliable structure in the VoIP terminal 300, the VoIP terminal 300 encrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function. Or decryption, adding an authenticator to prevent forgery (or tampering) of the message, or performing the security request function. It characterized in that it performs the function of storing important key information.

In general, the security module 323 is preferably composed of a predetermined security module 323 inserter and a security module 323 chip, the security module 323 chip is a chip containing at least 8 bits or more CPU and memory as 2MIPS (Application Specific Integrated Circuit (ASIC) chip (e.g., PLCC 44-pin chip) or IC chip (e.g., IC card in the form of subscriber identity module (SIM)) having a performance of (Million Instructions Per Second) or more It is preferable.

In addition, the security module 323 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the VoIP terminal 300 to perform a predetermined security request function Or a key (e.g., one master key and at least one application key) or protocol (e.g., transaction protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, security module 323 issuance protocol, (e-money company / card company) Registration protocol, authorization protocol, mode switching protocol, key download protocol, security module 323 revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switching / collection / deletion / revocation / Initialization / reprocessing / cancellation command).

According to an exemplary embodiment of the present invention, the security module 323 processes the financial company server 367 (or the communication relay server 370) to recognize the VoIP terminal 300 as a virtual CD / ATM. Preferably, the terminal information includes the terminal information, and the financial company server 367 (or the communication relay server 370) that has received the virtual financial terminal information is configured until the non-face-to-face financial transaction through the VoIP terminal 300 ends. It is preferable to process the financial transaction by recognizing the VoIP terminal 300 as a virtual CD / ATM.

According to an embodiment of the present invention, the security module 323 recognizes the VoIP terminal 300 as a virtual CD / ATM by the financial institution server 367 (or the communication relay server 370). The VoIP terminal 300 according to the non-face-to-face financial transaction control information for controlling a non-face-to-face financial transaction procedure (eg, a virtual CD / ATM-based financial transaction procedure) through the terminal 300 and the non-face-to-face financial transaction control information. It is desirable to have a non-face-to-face financial transaction authentication function for authenticating each non-face-to-face financial transaction step through.

Here, the non-face-to-face financial transaction control information, the non-face-to-face financial including at least one of the payment / transaction item selection interface, card information reading interface, payment / transaction information input interface to the screen output means in the VoIP terminal 300 Preferably, the non-face-to-face financial transaction authentication function includes an interface according to a non-face-to-face financial transaction procedure to the screen output means through the interface control information. It is desirable to authenticate that is being output.

In addition, the non-face-to-face financial transaction control information, the card information authentication information for authenticating the validity of the card information (or account information) read from the card reader unit 305 through the card information reading interface, the key input unit ( Password authentication information for authenticating the validity of the PIN information (or card password) input from the 310, and authentication of the payment / transaction item selection information input from the key input unit 310 through the payment / transaction item selection interface It is preferable that the at least one payment / transaction item authentication information is included, wherein the non-face-to-face financial transaction authentication function is read through the card reader unit 305 through the card information authentication information (or account) Information) to PIN information (or card password), or through the key input unit 310 To authenticate the validity of the payment / transaction entry selection information output is desirable.

In particular, the non-face-to-face financial transaction control information is entered (or selected) from the key input unit 310 through the payment / transaction information input interface for the virtual CD / ATM-based financial transaction (or payment) Preferably, the payment / transaction information authentication information is further included. The payment / transaction information authentication information is input (or selected) through the payment / transaction information input interface. It is desirable to perform the function of authenticating the validity of the information.

For example, authenticating the validity of the card information (or account information) through the card information authentication information, the card information (or account information) read through the card reader unit 305 is the VoIP terminal 300 It is preferable to include authenticating whether the card corresponds to the number system of valid card information (or account information) available for non-face-to-face financial transactions.

Alternatively, authenticating the validity of the password through the password authentication information may include authenticating whether the PIN information or the card password includes a preset PIN information (or card password) system.

Alternatively, authenticating the validity of the payment / transaction item selection information through the payment / transaction item authentication information may include a customer card (or customer account) corresponding to the card information (or account information) read through the card reader. It is preferable that the non-face-to-face financial transactions corresponding to the payment / transaction item selection information through the authentication is possible.

Alternatively, authenticating the validity of the virtual CD / ATM based non-face-to-face transaction through the VoIP through the payment / transaction information authentication information may include payment / transaction information input (or selected) through the payment / transaction information input interface. It is preferable to include authenticating whether is valid.

Referring to FIG. 3, the VoIP terminal 300 connects to a call terminal 390 or an answering machine 395 corresponding to a specific phone number through the voice call module 320 included in the communication processing unit 317. The voice call control unit 327 which connects the voice call channel through the call connection to the call, and when the voice call channel is connected, the phone number connected to the call in connection with the memory unit 315 is set in advance. If it is confirmed by the information confirmation unit 330 and the telephone number to which the voice call channel is connected by the information confirmation unit 330 is matched with the payment / transaction target automatic answering phone number by the information confirmation unit 330, the payment And a payment / transaction mode switching unit 333 for converting a voice call-based autoresponder payment / transaction connected to an autoresponder server 395 corresponding to the transaction response autoresponder phone number to a screen response payment / transaction. The information checking unit 330 and the payment / transaction mode switching unit 333 convert the voice call-based automatic response payment / transaction into a screen response payment / transaction and process the video response service (VRS) module. It is preferable that the VoIP terminal 300 is provided in a form.

When the incoming call number is input through the key input unit 310, the voice call control unit 327 uses the gateway 380 (or gatekeeper) through the voice call module 320 provided in the communication processing unit 317. 385)) a called party's call terminal 390 (e.g., a landline telephone, a wireless telephone, a mobile telephone, a VoIP terminal) or an answering machine 395 corresponding to the called telephone number according to the voice related protocol stack of the VoIP communication protocol. And a call connection procedure for connecting a voice call channel, and when the call is received from the called party's terminal 390 or the auto answering server 395 corresponding to the called phone number, the call corresponding to the called phone number. The calling party's terminal 390 or the answering machine 395 is characterized in that connecting the voice call channel.

Alternatively, when a call connection request for connecting a voice call channel with a predetermined call terminal 390 (eg, a landline telephone, a wireless telephone, a mobile telephone, a VoIP terminal) or an automatic answering server 395 is requested, the voice call controller 327 is connected to the gateway 380 (or gatekeeper 385) through the voice call module 320 included in the communication processing unit 317 according to the voice related protocol stack of the VoIP communication protocol. A call connection procedure for connecting a voice call channel with an originating call terminal 390 (eg, a landline telephone, a wireless telephone, a mobile telephone, a VoIP terminal) or an answering machine 395 corresponding to the calling party's call. The terminal 390 or the answering machine 395 may be connected to a voice call channel.

Those skilled in the art will be familiar with the call connection procedure for connecting the voice call channel, so a detailed description thereof will be omitted for convenience.

When the voice call channel is connected through the call connection by the voice call control unit 327, the information checking unit 330 automatically stores the telephone number to which the voice call channel is connected and the payment / transaction target stored in the memory unit 315. By comparing the response telephone number, confirming whether the telephone number to which the voice call channel is connected is matched with the payment / transaction target automatic response telephone number which is processed by converting the voice call-based automatic response payment / transaction into a screen response payment / transaction. It is characterized by.

According to the exemplary embodiment of the present invention, the virtual financial terminal screen provided in the VoIP terminal 300 is preferably provided with a menu for converting and processing a voice call-based automatic response payment / transaction into a screen response payment / transaction. When the menu is selected, the interface output unit 355 checks and outputs a list of payment / transaction target auto answer telephone numbers from the memory unit 315 and calls from the output list of payment / transaction target auto answer telephone numbers. It is preferable to output a phone number selection interface for selecting a connection target payment / transaction target auto-response phone number. In this case, the information checking unit 330 selects a specific payment / transaction target automatic response phone number through the phone number selection interface. It is preferable to confirm that is selected, and through the phone number selection interface, a specific payment / transaction target answering machine When a call is selected, the voice call controller 327 performs a call connection procedure to the auto answer server 395 corresponding to the selected payment / transaction target auto answer phone number through the voice call module 320 to perform a voice call. It is desirable to connect the channels.

When the phone number to which the voice call channel is connected is matched with the payment / transaction target auto-response phone number by the information checker 330, the payment / transaction mode switching unit 333 automatically performs the payment / transaction target. Switching the VoIP terminal 300 operation mode to screen response payment / transaction mode so that the voice call-based automatic response payment / transaction associated with the answering phone number 395 is converted to screen response payment / transaction. It is characterized by.

Referring to FIG. 3, the VoIP terminal 300 converts the voice call-based automatic response payment / transaction into a screen response payment / transaction to process the automatic response server 395 to which the voice call channel is connected. And a signal transmitter 335 for transmitting a screen response payment / transaction start signal for converting the response payment / transaction into the screen response payment / transaction and processing the signal. Preferably, the VoIP terminal 300 is provided in the form of a VRS module that converts a voice call-based automatic response payment / transaction into a screen response payment / transaction.

The phone number to which the voice call channel is connected by the information checking unit 330 is confirmed to match the payment / transaction target auto-response phone number, or by the payment / transaction mode switching unit 333, by voice call-based automatic After the response payment / transaction is switched to the screen response payment / transaction, the signal transmission unit 335 converts the voice call-based automatic response payment / transaction into the screen response payment / transaction to process the automatic response server 395. Generate a screen response payment / transaction start signal for notifying to the < RTI ID = 0.0 > and / or < / RTI > The automatic response server 395) transmits the screen response payment / transaction start signal.

Here, the screen response payment / transaction initiation signal is notified to the automatic response server 395 that the VoIP terminal 300 starts the payment / transaction by switching the voice call-based automatic response payment to the screen response payment. It characterized in that it comprises a payment / transaction start signal and the telephone number assigned to the VoIP terminal 300, wherein the screen response payment / transaction start signal is transmitted after the virtual financial terminal function is activated, The screen response payment / transaction start signal may further include financial company information that authenticates the virtual financial terminal function.

According to an exemplary embodiment of the present invention, the screen response payment / transaction start signal is preferably transmitted to the automatic response server 395 through a voice call channel according to a complex frequency coding scheme.

According to another exemplary embodiment of the present invention, when the data communication channel between the VoIP terminal 300 and the auto-response server 395 is connected, the screen response payment / transaction start signal is transmitted through the data communication channel. It is preferably sent to the server 395.

According to another exemplary embodiment of the present invention, when the auto-response server 395 and the financial institution server 367, the communication relay server 370, and the payment relay server 375 are affiliated with any one of the servers, the screen is displayed. The response payment / transaction start signal is preferably transmitted to the auto-response server 395 using a server affiliated with the auto-response server 395 as a relay server.

Referring to FIG. 3, the VoIP terminal 300 starts a virtual financial terminal program (eg, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 300). When performing a virtual CD / ATM based financial transaction (or payment) function, the VoIP terminal 300 checks whether a VoIP based voice call channel is connected, and when checking the VoIP based voice call channel, the VoIP based voice call The VoIP terminal 300 and the financial company server 367 (or a communication relay server) to provide one or more payment / transactions using the virtual CD / ATM-based financial transaction (or payment) function while maintaining a channel. 370) communication channel switching to switch to multiple communication channels further connecting the communication channel (= data communication channel) and the communication channel between the VoIP terminal 300 and the financial institution server 367 (or payment relay server 375). With part 337 When the screen response payment / transaction function interworking with a voice call-based automatic answering system is performed, the communication channel switching unit 337 performs the VoIP terminal 300 and the financial company server on the VoIP-based voice call channel. 367) (or communication relay server 370) the communication channel of the VoIP terminal 300 to the VoIP terminal 300 and the financial company in a state in which a secure communication channel is further connected (or a virtual CD / ATM function is authenticated) It is characterized by switching to a multiple communication channel including a communication channel between the server 367 (or payment relay server 375), the communication channel switching unit 337 screens the voice call-based automatic response payment / transaction Preferably, the VoIP terminal 300 is provided in the form of a VRS module for converting and processing a response payment / transaction.

A customer using the VoIP terminal 300 requests a screen response payment / transaction interworking with a voice call-based automatic answering system through the key input unit 310, or by the payment / transaction mode switching unit 333. When the voice answering channel based on the automatic answering server 395 corresponding to the payment / transaction automatic answering phone number and the voice call channel are connected, the voice call-based automatic answering payment / transaction is set to the screen response payment / transaction. The communication channel switching unit 337 checks whether the VoIP terminal 300 is connected to the VoIP-based voice call channel.

Upon confirmation of the VoIP based voice call channel, the communication channel switching unit 337 maintains the VoIP based voice call channel and the VoIP terminal 300 and the financial company server 367 (or the communication relay server 370). Switching to a multiple communication channel further connecting the intercommunication channel, and a first multiplexed communication channel between the VoIP based voice call channel and the VoIP terminal 300 and the financial institution server 367 (or the communication relay server 370). Communication channel between the VoIP terminal 300 and the financial institution server 367 (or communication relay server 370) in the communication channel state between the VoIP terminal 300 and the financial institution server 367 (or payment relay server 375). Switch to (or connect to) a second multiple communication channel state.

If a customer using the VoIP terminal 300 requests a screen response payment / transaction interworking with a voice call-based automatic answering system through the key input unit 310, or the payment / transaction mode switching unit 333. Set to process the voice call-based automatic response payment / transaction to the screen response payment / transaction in the state that the automatic answer server 395 corresponding to the payment / transaction target automatic response telephone number and the voice call channel are connected by In the case where the communication channel is switched, the communication channel switching unit 337 may not be able to switch the communication channel, and the present invention is not limited thereto.

Referring to FIG. 3, when the virtual financial terminal program is activated, the VoIP terminal 300 is switched by the communication channel switching unit 337 for screen response payment / transaction interworking with the voice call-based automatic response system. The VoIP module 300 information and the security module 323 provided in the VoIP terminal 300 to the financial institution server 367 (or the communication relay server 370) through the data communication channel of the multiple communication channels (or connected). Information transmission unit 340 for transmitting the information corresponding to the security module 323 and the security module through the data communication channel of the multiple communication channel from the financial institution server 367 (or communication relay server 370). And an information receiver 343 for receiving virtual financial terminal activation information corresponding to the information and the VoIP terminal 300 information.

The data communication channel of the multiple communication channels is transferred to the financial institution server 367 (or the communication relay server 370) by the communication channel switching unit 337 for screen response payment / transaction interworking with the voice call-based automatic response system. When connected, the information transmitter 340 corresponds to the VoIP terminal 300 information (not shown) and the security module 323 provided in the VoIP terminal 300 in association with the memory unit 315. Check the security module 323 information, and transmits the confirmed VoIP terminal 300 information and the security module 323 information to the financial institution server 367 (or communication relay server 370).

According to the embodiment of the present invention, when the financial institution server 367 (or the communication relay server 370) can check the VoIP terminal 300 information through the data communication channel of the multiple communication channel, the information transmission unit 340 checks the security module 323 information corresponding to the security module 323 provided in the VoIP terminal 300 in association with the memory unit 315, and checks the identified security module 323 information. It is preferable to transmit to the financial company server 367 (or communication relay server 370).

Subsequently, the financial institution server 367 (or the communication relay server 370) is provided with a card reader and a valid security module 323 to the VoIP terminal 300 through the VoIP terminal 300 information and the security module 323 information. (E.g., the security module 323 including the virtual financial terminal information, the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function) is provided, and upon checking the authentication, The virtual financial terminal activation information is transmitted to the VoIP terminal 300 through the data communication channel of the communication channel, and the information receiver 343 is the financial company server through the data communication channel of the multiple communication channel ( 367) (or the communication relay server 370) receives the virtual financial terminal activation information.

Here, the virtual financial terminal activation information, the security module 323 provided in the VoIP terminal 300 to activate the VoIP terminal 300 to operate as a virtual financial terminal (= virtual CD / ATM). As the information to be activated, the security module 323 activated by the virtual financial terminal activation information communicates data of multiple communication channels with the financial institution server 367 (or the financial institution server 367 via the communication relay server 370). To connect the encryption / decryption-based secure communication channel corresponding to the channel, the financial institution server 367 through the secure communication channel to the virtual financial terminal information provided in the security module 323 in the VoIP terminal 300 And the non-face-to-face financial transaction control information and non-face-to-face financial transaction authentication function provided in the security module 323 in the VoIP terminal 300 to process the face-to-face financial transaction. It is.

Referring to FIG. 3, when the virtual financial terminal activation information is received, the VoIP terminal 300 may include a security module processor configured to activate a virtual financial terminal function of the security module 323 through the virtual financial terminal activation information. 347 and a communication channel connecting an end-to-end secure communication channel based on encryption / decryption corresponding to the data communication channel of the multiple communication channel with the financial institution server 367 according to the non-face-to-face financial transaction control of the security module 323. A virtual unit from the security module 323 based on a connection unit 350, an interface output unit 355 for outputting a virtual financial terminal authentication interface to the screen output means, and authentication information input through the virtual financial terminal authentication interface. Check the financial terminal information, and transmit to the financial institution server 367 through the secure communication channel corresponding to the data communication channel of the multiple communication channel to the VoIP The terminal 300 is characterized in that it comprises a terminal authentication processing unit 353 for processing to be recognized as a virtual financial terminal (for example, virtual CD / ATM), connected to the private end-to-end secure communication channel according to the intention of those skilled in the art And when the terminal authentication is automatically processed, the interface output unit 355 can be omitted, thereby not limited to the present invention.

When the virtual financial terminal activation information is received from the financial company server 367 (or the communication relay server 370) by the information receiving unit 343, the security module processing unit 347 receives the received virtual financial terminal activation information. By providing to the security module 323, the virtual financial terminal activation information is read by the security module 323 is characterized in that the processing to activate the virtual financial terminal function of the security module 323.

According to the exemplary embodiment of the present invention, when the virtual financial terminal function of the security module 323 is activated by the security module processing unit 347, the operation of the VoIP terminal 300 thereafter is performed by the security module 323. It is preferable that each non-face-to-face financial transaction step is controlled and authenticated through non-face-to-face financial transaction control information and non-face-to-face financial transaction authentication function.

When the virtual financial terminal function of the security module 323 is activated by the security module processing unit 347, the communication channel connection unit 350 controls the financial company server 367 according to the non-face-to-face financial transaction control of the security module 323. ) And an end-to-end secure communication channel based on encryption / decryption corresponding to the data communication channel of the multiple communication channel.

According to an exemplary embodiment of the present invention, the communication channel connection unit 350 bypasses one or more communication relay servers 370 according to the non-face-to-face financial transaction control of the security module 323 to the VoIP terminal (Bypass). It is preferable to connect an end-to-end secure communication channel based on encryption / decryption corresponding to the data communication channel of the multiple communication channel between 300 and the financial institution server 367.

According to another exemplary embodiment of the present invention, the communication channel connection unit 350 is connected between the VoIP terminal 300 and the financial company server 367 according to the virtual private network protocol according to the non-face-to-face financial transaction control of the security module 323. It is preferable to connect an end-to-end secure communication channel based on encryption / decryption corresponding to the data communication channel of the multiple communication channel.

Those skilled in the art to which the present invention pertains may include encryption / decryption based terminations connected between the above-described VoIP terminal 300 and the financial institution server 367 corresponding to the data communication channel of the multiple communication channel. Since it will be familiar with the technical features of the secure communication channel between the detailed description thereof will be omitted for convenience.

A terminal for activating the virtual financial terminal function of the security module 323 by the security module processing unit 347 and corresponding to the data communication channel of the multiple communication channel between the VoIP terminal 300 and the financial company server 367. When the secure communication channel is connected, the interface output unit 355 outputs a virtual financial terminal authentication interface to the screen output means according to the non-face-to-face financial transaction control of the security module 323, the virtual When authentication information (eg, PIN information for the security module 323) is input through the financial terminal authentication interface, the terminal authentication processor 353 inputs the data according to the non-face-to-face financial transaction control of the security module 323. By providing the authenticated authentication information to the security module 323 to be read, thereby providing virtual financial terminal information from the security module 323 as an authentication result of the authentication information. After checking (or extracting), the virtual financial terminal information is transmitted to the financial institution server 367 through a secure communication channel corresponding to the data communication channel of the multiple communication channel, whereby the financial institution server 367 ), The VoIP terminal 300 is recognized as a virtual financial terminal (eg, a virtual CD / ATM).

According to another exemplary embodiment of the present invention, the interface output unit 355 outputs the virtual financial terminal authentication interface, and the terminal authentication processor 353 stores the authentication information input through the virtual financial terminal authentication interface. The processing provided to the module 323 to be authenticated may be omitted, and the present invention is not limited thereto.

When the VoIP terminal 300 is recognized as the virtual financial terminal (eg, a virtual CD / ATM), the terminal authentication processor 353 receives virtual financial terminal authentication information from the financial company server 367. Accordingly, the VoIP terminal 300 corresponds to the virtual financial terminal (eg, virtual CD / ATM) according to the non-faced financial transaction control procedure according to the financial transaction control of the security module 323. It is characterized by performing a transaction procedure.

Referring to FIG. 3, when the VoIP terminal 300 is processed as a virtual financial terminal (for example, a virtual CD / ATM) through the security module 323, the VoIP module 300 includes the security module 323. Payment / transaction interface (e.g., card information reading interface) corresponding to the non-face-to-face financial transaction control procedure and the automatic response payment procedure for each payment / transaction target autoresponder phone number corresponding to the payment / transaction target autoresponder phone number An interface output unit 355 for outputting a payment / transaction item selection interface, a payment / transaction information input interface, etc.), and the card information reading interface is output by the interface output unit 355, and the card reader unit 305 is provided. An information reading unit 360 for reading card information (or account information) from the customer card, and a password input processing through the key input unit 310, and the interface output unit 355 When the payment / transaction item selection interface is output, the payment / transaction item selection information is input through the key input unit 310. When the payment / transaction information input interface is output, the key input unit 310 is output. An information input unit 357 for inputting and processing payment / transaction information corresponding to the payment / transaction information input interface, the read card information (or account information), payment / transaction item selection information, and the selected payment / transaction The financial institution server 367 through a full text generation unit 363 generating a full text payment / transaction request including one or more payment / transaction information, and an end-to-end secure communication channel corresponding to the data communication channel of the multiple communication channel. The information processing unit transmits the generated payment / transaction request message to the non-face-to-face financial transaction corresponding to the virtual CD / ATM-based payment / transaction. It characterized in that it comprises a (365), the non-face-to-face financial transaction control procedure of the security module 323 and the automatic response for each payment / transaction target automatic response telephone number corresponding to the payment / transaction target automatic response telephone number The payment / transaction interface is controlled to be output to the screen output unit 307 in connection with the interface output unit 355 according to the payment procedure, and based on the non-face-to-face financial transaction interface in connection with the information reading unit 360. The card reader 305 controls to read card information (or account information), and the payment / transaction item selection information and the selected payment / transaction through the key input unit 310 in association with the information input unit 357. Control to input one or more payment / transaction information corresponding to the information, and link the read card information (or account information) and payment / transaction item in association with the full text generation unit 363. Control to generate a payment / transaction request text including at least one tag information and payment / transaction information corresponding to the payment / transaction, and correspond to the data communication channel of the multi-communication channel in association with the information processor 365; Through the end-to-end secure communication channel, the generated payment / transaction request text is transmitted to the financial company server 367 so that non-face-to-face financial transactions corresponding to the payment / transaction (eg, credit card payment, check card payment, account linkage payment, It is characterized in that it comprises a virtual financial terminal control unit 345 for controlling the transfer to account).

In addition, when the VoIP terminal 300 inputs all the payment / transaction information through the key input in the information input unit 357, the VoIP terminal 300 automatically transmits the key-input payment / transaction information through the communication processing unit 317. It is preferable to further include a signal transmission unit 335 for transmitting to the response server (395).

In addition, when the VoIP terminal 300 receives a payment / transaction response message corresponding to the payment / transaction request message through the information processing unit 365, the automatic response server 395 through the communication processing unit 317. It is preferable to further comprise a signal transmission unit 335 for transmitting the screen response payment / transaction completion signal.

Here, the interface output unit 355, the information reading unit 360, the information input unit 357, and the signal transmission unit 335 convert the voice call-based automatic response payment / transaction into a screen response payment / transaction and process it. Preferably, the VoIP terminal 300 is provided in the form of a VRS module.

When the VoIP terminal 300 is processed as a virtual financial terminal (for example, a virtual CD / ATM) through the security module 323, the interface output unit 355 transmits the data through the virtual financial terminal control unit 345. Card information reading interface, payment / transaction item according to the non-face-to-face financial transaction control procedure of the security module 323 and the automatic response payment procedure for each payment / transaction target autoresponder phone number corresponding to the payment / transaction target autoresponder phone number And outputting a selection interface and a payment / transaction information input interface in a predetermined order, wherein each interface output step includes non-face-to-face financial transaction control information of the security module 323 through the virtual financial terminal control unit 345. It is desirable to authenticate based on the non-face-to-face financial transaction authentication function.

According to the first embodiment of the present invention, the interface output unit 355 is a non-face-to-face financial transaction control procedure of the security module 323 through the virtual financial terminal control unit 345 and the payment / transaction target answering machine After outputting the card information reading interface according to an automatic response payment procedure for each payment / transaction target automatic response phone number corresponding to a number, the payment / transaction item selection interface is input, and payment / transaction information according to the payment / transaction is input. It is desirable to output the interfaces sequentially.

According to the second embodiment of the present invention, the interface output unit 355 is a non-face-to-face financial transaction control procedure of the security module 323 through the virtual financial terminal control unit 345 and the payment / transaction target answering machine. After outputting the payment / transaction item selection interface according to the auto-response payment procedure for each payment / transaction target autoresponder corresponding to the number, the payment / transaction information input interface and the card information reading interface according to the payment / transaction It is preferable to output sequentially.

According to the third embodiment of the present invention, the interface output unit 355 is a non-face-to-face financial transaction control procedure of the security module 323 through the virtual financial terminal control unit 345 and the payment / transaction target answering machine. After outputting the card information reading interface and the payment / transaction item selection interface according to the auto-response payment procedure for each payment / transaction target autoresponder corresponding to the number, the payment / transaction information input interface according to the payment / transaction It is preferable to output sequentially.

According to the fourth embodiment of the present invention, the interface output unit 355 is a non-face-to-face financial transaction control procedure of the security module 323 through the virtual financial terminal control unit 345 and the payment / transaction target answering machine. After outputting the card information reading interface and the payment / transaction item selection interface according to the auto-response payment procedure for each payment / transaction target automatic response phone number corresponding to the number, the payment / transaction information input interface according to the payment / transaction It is preferable to output sequentially.

Those skilled in the art to which the present invention pertains include a non-face-to-face financial transaction control procedure and the payment / transaction target of the security module 323 through the virtual financial terminal controller 345 in addition to the interface output method described above. The card information reading interface, payment / transaction item selection interface, and payment / transaction information input interface are sequentially (or two or more interfaces) according to the automatic response payment procedure for each payment / transaction target autoresponder phone number corresponding to the autoresponder phone number. It will be able to infer a variety of implementation method to output the (integrated into one screen output means), the present invention is characterized in that it comprises all the inferred implementation method.

Through the interface output unit 355 according to the non-face-to-face financial transaction control procedure of the security module 323 through the virtual financial terminal control unit 345 and the automatic response payment procedure for each payment / transaction target automatic response telephone number. When the card information reading interface is output, the information reading unit 360 controls the card reader unit 305 based on the non-face-to-face financial transaction control of the security module 323 through the virtual financial terminal control unit 345. It is characterized by reading the card information (or account information) from the customer card.

When card information (or account information) is read from the customer card through the information reading unit 360, the virtual financial terminal control unit 345 controls the non-face-to-face financial transaction control information and the non-face-to-face finance of the security module 323. It is preferable to authenticate the validity of the read card information (or account information) on the basis of a transaction authentication function, wherein the validity authentication of the card information (or account information), the read card information (or account) Verifying that the information includes card information (or account information) capable of non-face-to-face financial transactions through the VoIP terminal 300 (eg, card information (or account information) associated with a customer account opened in a specific bank). It is preferable to comprise.

Alternatively, the interface output unit 355 according to the non-face-to-face financial transaction control procedure of the security module 323 through the virtual financial terminal control unit 345 and an automatic response payment procedure for each payment / transaction target automatic response telephone number. When the password input interface is output through the information input unit 357, the non-face-to-face financial transaction procedure based on the non-face-to-face financial transaction control of the security module 323 through the virtual financial terminal control unit 345 ( For example, the PIN information (or card password) is input through the key input unit 310 according to a CD / ATM based financial transaction procedure.

When the password is input through the information input unit 357, the virtual financial terminal control unit 345 may enter the PIN based on the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module 323. It is preferable to authenticate the validity of the information (or card password), wherein the validity authentication of the PIN information (or card password) is a PIN information (or card password) scheme in which the PIN information (or card password) is preset. It is preferable that the authentication is made to include.

Alternatively, the interface output unit 355 according to the non-face-to-face financial transaction control procedure of the security module 323 through the virtual financial terminal control unit 345 and an automatic response payment procedure for each payment / transaction target automatic response telephone number. When the payment / transaction item selection interface is output through the information input unit 357, the non-face-to-face financial transaction based on the non-face-to-face financial transaction control of the security module 323 through the virtual financial terminal control unit 345. The payment / transaction item selection information is input through the key input unit 310 according to a procedure (eg, a CD / ATM-based financial transaction procedure).

When the payment / transaction item selection information is input through the information input unit 357, the virtual financial terminal control unit 345 is based on the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module 323. It is preferable to authenticate the validity of the input payment / transaction item selection information, wherein the validation of the payment / transaction item selection information, the customer account corresponding to the read card information (or account information) It is preferable that the non-face-to-face financial transactions corresponding to the payment / transaction item selection information through the authentication.

Alternatively, the interface output unit 355 according to the non-face-to-face financial transaction control procedure of the security module 323 through the virtual financial terminal control unit 345 and an automatic response payment procedure for each payment / transaction target automatic response telephone number. When the payment / transaction information input interface is output through the information input unit 357, the key input unit 310 inputs and processes payment / transaction information corresponding to the payment / transaction information input interface. Some of the payment / transaction information may be automatically input (or output).

According to an embodiment of the present invention, when the automatic response server 395 corresponding to the payment / transaction target automatic response telephone number transmits a part (eg, payment / transaction amount) of payment / transaction information in a complex frequency code method. The information input unit 357 receives and recognizes a complex frequency code transmitted from the auto-response server 395 to confirm payment / transaction information, and transmits the confirmed payment / transaction information to the payment / transaction information input interface. Automatic input (or output) is preferred.

According to another exemplary embodiment of the present invention, a part of payment / transaction information (for example, payment) is provided through the data communication channel associated with the voice call channel in the auto-response server 395 corresponding to the payment / transaction target auto-response phone number. / Transaction amount), the information input unit 357 preferably receives the payment / transaction information transmitted from the automatic response server 395 and automatically input (or output) to the payment / transaction information input interface. Do.

According to another exemplary embodiment of the present invention, any one of an automatic answering server 395, a financial institution server 367, a communication relay server 370, and a payment relay server 375 corresponding to the payment / transaction target automatic answering phone number may be used. When the server is affiliated with one server and provides payment / transaction information to any one of the financial institution server 367, the communication relay server 370, and the payment relay server 375 in the automatic response server 395, The information input unit 357 receives the payment / transaction information transmitted through a data communication channel connected to any one of the financial company server 367, the communication relay server 370, and the payment relay server 375. It is preferable to automatically input (or output) the transaction information input interface.

If all the payment / transaction information is input through the key input by the information input unit 357, the signal transmission unit 335 responds to the automatic payment of the key-input payment / transaction information through the communication processing unit 317. The server 395 preferably transmits the payment / transaction information to the auto-response server 395 by requesting that the automatic response server 395 verify the payment / transaction information. A method using a complex frequency code, a method using a data communication channel between the VoIP terminal 300 and the auto answering server 395, the financial company server 367 and the communication relay server 370 associated with the auto answering server 395 , Payment relay server 375 It is preferable to include one or more of the way to use any server as a relay server.

When the payment / transaction information is input through the information input unit 357, the virtual financial terminal control unit 345 is based on the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module 323. It is preferable to verify the validity of the input payment / transaction information, wherein the validation of the payment / transaction information, wherein the payment / transaction information is for each payment / transaction type and each payment / transaction target automatic answering phone number It is desirable to include authenticating whether it contains valid information.

According to an embodiment of the present invention, the virtual financial terminal control unit 345 preferably performs validity authentication on an interface output procedure, upper / lower limit and digits of each information input through each interface. When the key input payment / transaction information or screen response payment / transaction completion signal is transmitted to the auto-response server 395 by the signal transmission unit 335, the key input payment / transaction information or screen response payment / It is preferable to verify whether the payment / transaction information includes valid information for each payment / transaction type and each payment / transaction target auto-response phone number by checking response information (or response signal) for the transaction completion signal.

Card information (or account information) is read from the customer card through the information reading unit 360, and the payment / transaction item selection information and payment / transaction corresponding to the payment / transaction are read through the information input unit 357. When the transaction information is input, the full text generation unit 363 is a non-face-to-face financial transaction procedure (eg, CD) based on the non-face-to-face financial transaction control of the security module 323 through the virtual financial terminal control unit 345. A payment / transaction request message including one or more of the card information (or account information), payment / transaction item selection information, and payment / transaction information corresponding to the selected payment / transaction according to an ATM-based financial transaction procedure). It is characterized by.

Here, the payment / transaction request message may include a CD / ATM-based payment / transaction request message structure that the financial company server 367 recognizes as a payment / transaction request message transmitted from the CD / ATM terminal.

Full payment / transaction request in accordance with a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure) based on the non-face-to-face financial transaction control of the security module 323 through the virtual financial terminal control unit 345. Is generated, the information processing unit 365 is a non-face-to-face financial transaction procedure (eg, CD / ATM-based finance) based on the non-face-to-face financial transaction control of the security module 323 through the virtual financial terminal control unit 345 Transmits the generated payment / transaction request message to the financial institution server 367 through an end-to-end secure communication channel corresponding to the data communication channel of the multiple communication channel connected by the communication channel connection unit 350 according to the transaction procedure). The non-face-to-face financial transactions corresponding to the virtual CD / ATM-based payment / transaction may be processed.

According to another exemplary embodiment of the present invention, the information processing unit 365 does not transmit the full payment / transaction request to the financial company server 367, and automatically inputs key input information among the payment / transaction information based on a voice call. By transmitting the information to be transmitted to the auto-response server 395 for the response payment / transaction to the auto-response server 395 according to a complex frequency code method, the conventional auto-response payment / transaction in the auto-response server 395 It is possible to process the automatic response payment according to the procedure, in this case, the VoIP terminal 300 outputs the payment / transaction interface corresponding to the voice call-based automatic response payment / transaction through the interface output unit 355 It provides a screen response payment / transaction function.

In addition, the information processing unit 365 is a non-face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure based on the non-face-to-face financial transaction control of the security module 323 through the virtual financial terminal control unit 345) A payment / transaction response message (eg, the payment / transaction request) corresponding to the payment / transaction request message from the financial institution server 367 through an end-to-end secure communication channel corresponding to the data communication channel of the multiple communication channel. A general ledger response message including a ledger processing result corresponding to the full text, or a transaction result text including a financial transaction processing result according to the ledger processing result corresponding to the payment / transaction request text); According to a face-to-face financial transaction procedure (eg, CD / ATM-based financial transaction procedure), the received payment / transaction response message is displayed on the screen.

According to the information processing unit 365 according to the payment / transaction response full text (for example, a ledger response full message including a ledger processing result corresponding to the payment / transaction request full text, or a ledger processing result corresponding to the payment / transaction request full text) When a full transaction result including a financial transaction processing result) is received, the signal transmission unit 335 transmits a screen response payment / transaction completion signal to the automatic response server 395 through the communication processing unit 317. It features.

Here, the screen response payment / transaction completion signal, the VoIP terminal 300 to switch the voice call-based automatic response payment to the screen response payment to notify the automatic response server 395 that the payment / transaction is completed / Preferably, the transaction completion signal and one or more settlement / transaction result signals (eg, settlement / transaction amount, settlement / transaction approval number, etc.) included in the settlement / transaction response message are included.

According to an exemplary embodiment of the present invention, the screen response payment / transaction completion signal is preferably transmitted to the automatic response server 395 through a voice call channel according to a complex frequency coding scheme.

According to another exemplary embodiment of the present invention, when the data communication channel between the VoIP terminal 300 and the auto-response server 395 is connected, the screen response payment / transaction completion signal is the auto-response via the data communication channel. It is preferably sent to the server 395.

According to another exemplary embodiment of the present invention, when the auto-response server 395 and the financial institution server 367, the communication relay server 370, and the payment relay server 375 are affiliated with any one of the servers, the screen is displayed. The response settlement / transaction completion signal is preferably transmitted to the automatic response server 395 using a server affiliated with the automatic response server 395 as a relay server.

In addition, the information processing unit 365, the ledger response message including the ledger processing result corresponding to the payment / transaction response message (for example, the payment / transaction request message, or the ledger processing result corresponding to the payment / transaction request message) Full transaction result including the financial transaction processing result according to the above), the virtual financial terminal control unit 345 corresponds to a data communication channel of multiple communication channels connected between the VoIP terminal 300 and the financial company server 367. It is characterized in that to release the end-to-end secure communication channel.

In more detail, FIG. 4 illustrates a voice call base for the auto answering server in a state in which a voice answering channel is connected to an auto answering server corresponding to a payment / transaction target auto answering phone number in the VoIP terminal 495 shown in FIG. In the case where the automatic response payment / transaction is converted to the screen response payment / transaction, the virtual terminal (eg, CD (Cash) is processed through the financial company server 435 (or the communication relay server 400) in the VoIP terminal 495. After dispenser) and at least one ATM (Automatic Teller Machine) function, the voice call-based automatic answering payment / transaction based on the virtual CD / ATM-based payment / transaction function through VoIP As a system configuration for converting and processing a transaction, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 4 to answer the voice call-based auto answer. Various implementation methods may be inferred for the configuration of a payment / transaction system for converting a second / transaction into a screen response payment / transaction, but the present invention includes all the implementation methods inferred above, and is illustrated in FIG. It is not limited only to the implementation method.

Referring to FIG. 4 according to an embodiment of the present invention, a payment / transaction system for converting and processing the voice call-based automatic response payment / transaction into a screen response payment / transaction has a functional configuration shown in FIG. At least one VoIP terminal 495 connected to a communication network, a storage medium 430 storing information and security module information of the VoIP terminal 495 transmitted from the VoIP terminal 495, and the VoIP terminal 495; Receives VoIP terminal 495 information and security module information connected through a communication network, and transmits the virtual financial terminal activation information corresponding to the received VoIP terminal 495 information and security module information. A communication relay server 400 for transmitting to the terminal 495 and the VoIP terminal 495 through a communication network, or a relay connection with the VoIP terminal 495 through the communication relay server 400. email After receiving and authenticating the virtual financial terminal information from the VoIP terminal 495 where the terminal function is activated, the virtual financial terminal function of the VoIP terminal 495 is authenticated, and then the virtual financial terminal function of the VoIP terminal 495 is activated. The financial institution server 435 which provides one or more virtual CD / ATM based payment / transaction through the communication terminal and the VoIP terminal 495 through a communication network, and based on the virtual CD / ATM based payment / transaction function through the VoIP. And a payment relay server 465 that provides a function of converting and processing a voice call-based automatic response payment / transaction into a screen response payment / transaction.

However, in FIG. 4, the communication relay server 400, the financial company server 435, and the payment relay server 465 are illustrated as being made in the form of one server for convenience. The present invention is not limited thereto, and the communication relay server 400, the financial company server 435, and the payment relay server 465 may be implemented as one integrated server, or two or more separate components (or means). It is possible to be implemented in the form of a server group, the present invention is characterized in that it comprises all the possible inference method. That is, the communication relay server 400, the financial company server 435, and the payment relay server 465 are functional names for converting and processing the voice call-based automatic response payment / transaction into a screen response payment / transaction. It is clear that it does not mean the server name. In particular, it is obvious that the function of the payment relay server 465 and the function of the financial institution server 435 are implemented in one server form.

The VoIP terminal 495 is characterized by having the VoIP function configuration shown in FIG. 3, which will be described in detail with reference to FIG.

The storage medium 430 provided on the payment / transaction system for converting the voice call-based automatic response payment / transaction into a screen response payment / transaction is processed and includes the customer information and the VoIP terminal 495 information registered during the VoIP subscription. And storing the virtual financial terminal activation information for the security module information and the security module corresponding to the security module information.

Here, the customer information is the personal information (or subscriber information) of the customer who purchases (or receives) the VoIP terminal 495 equipped with the card reader and the security module, and requests the VoIP subscription to the VoIP terminal 495. It is preferable to comprise).

The VoIP terminal 495 information is identification information assigned to the VoIP terminal 495 by a VoIP service provider to identify the VoIP terminal 495 requested to be subscribed among the plurality of VoIP terminals 495. Preferably, the VoIP terminal 495 includes a telephone number, and according to the intention of a person skilled in the art, other identification information (for example, an ESN or a serial number, or an IP address, a VoIP terminal 495) in addition to the VoIP terminal 495 telephone number. Virtual financial terminal identification information, etc. assigned to the security module of the) is preferably made further.

The security module information is information for identifying a security module provided in the VoIP terminal 495, and preferably includes one or more of the security module identification code, serial number, authentication number, and the like.

The virtual financial terminal activation information activates a security module provided in the VoIP terminal 495 so that the VoIP terminal 495 operates as a virtual financial terminal (eg, a CD / ATM (Cash Dispenser / Automatic Teller Machine)). The information to be processed preferably includes one or more verifier (or authenticator) information, authentication key information (or information for generating an authentication key), and an authentication number that are read (or authenticated) by the security module. Do.

According to another exemplary embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through a random number, the storage of the virtual financial terminal activation information in the storage medium 430 may be omitted. The present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the communication relay server 400 may include an interface unit 405 for connecting and managing the VoIP terminal 495 and a VoIP based communication channel.

According to an exemplary embodiment of the present invention, the interface unit 405 connects the VoIP terminal 495 and the VoIP-based voice call channel, and converts the voice call channel into a data communication channel.

According to another exemplary embodiment of the present invention, the interface unit 405 preferably connects the VoIP terminal 495 to a VoIP based data communication channel.

Referring to FIG. 4, the communication relay server 400 is an information receiver 410 for receiving VoIP terminal 495 information and security module information transmitted from the VoIP terminal 495 in association with the interface unit 405. Information confirmation unit 415 (or information confirmation) for confirming virtual financial terminal activation information corresponding to the VoIP terminal 495 information and the security module information in association with the storage medium 430. Means) and the information transmitting unit 420 (or information transmitting means) for transmitting the checked virtual financial terminal activation information to the VoIP terminal 495 so that the virtual financial terminal function of the VoIP terminal 495 is activated. It is characterized by comprising a).

The information receiving unit 410 receives the VoIP terminal 495 information and the security module information transmitted from the VoIP terminal 495 in association with the interface unit 405. When the VoIP terminal 495 information can be confirmed through the information receiving unit 410, the information receiving unit 410 receives the security module information transmitted from the VoIP terminal 495, and in conjunction with the interface unit 405, the VoIP terminal ( 495) It is desirable to verify the information.

When the VoIP terminal 495 information and the security module information are received by the information receiving unit 410, the information checking unit 415 is connected to the storage medium 430 and the VoIP terminal 495 information and security module. And confirming the virtual financial terminal activation information corresponding to the information.

According to another exemplary embodiment of the present invention, the information checking unit 415 may dynamically generate the virtual financial terminal activation information, and thus the present invention is not limited thereto.

Thereafter, the information transmitter 420 transmits the confirmed virtual financial terminal activation information to the VoIP terminal 495 to process the virtual financial terminal function of the VoIP terminal 495 to be activated.

Referring to FIG. 4, the communication relay server 400 connects the VoIP terminal 495 and the financial company server 435 when the VoIP terminal 495 connects to the financial company server 435 with an end-to-end secure communication channel. It characterized in that it further comprises a communication relay unit 425 for relay connection.

Referring to FIG. 4, the financial institution server 435 includes a communication channel operating unit 440 (or communication channel operating means) for connecting the VoIP terminal 495 and an end-to-end secure communication channel based on encryption / decryption; A virtual financial terminal information receiver 445 (or information receiving means) for receiving virtual financial terminal information from the VoIP terminal 495 through the secure communication channel, and reading the virtual financial terminal information to read the virtual financial terminal information. It characterized in that it comprises a terminal authentication unit 450 (or terminal authentication means) for authenticating the validity.

The communication channel manager 440 connects the VoIP terminal 495 illustrated in FIG. 3 to an end-to-end secure communication channel based on encryption / decryption.

According to an exemplary embodiment of the present invention, the communication channel operating unit 440 bypasses the communication relay server 400 according to the non-face-to-face financial transaction control of the security module and the VoIP terminal 495. It is desirable to connect an end-to-end secure communication channel based on encryption / decryption between financial institution servers 435.

According to another exemplary embodiment of the present invention, the communication channel manager 440 encrypts between the VoIP terminal 495 and the financial company server 435 according to the virtual private network protocol according to the non-face-to-face financial transaction control of the security module. It is desirable to connect end-to-end secure communication channels based on / decryption.

Those skilled in the art will be familiar with the technical features of the end-to-end secure communication channel based on encryption / decryption between the VoIP terminal 495 and the financial institution server 435 described above. The detailed description thereof will be omitted for convenience.

Thereafter, the virtual financial terminal information receiving unit 445 receives virtual financial terminal information from the VoIP terminal 495 through the secure communication channel, and the terminal authentication unit 450 receives the virtual financial terminal information. The VoIP terminal 495 may be recognized as a virtual financial terminal by reading and authenticating the validity.

According to the exemplary embodiment of the present invention, the terminal authentication unit 450 reads the virtual financial terminal information according to a conventional CD / ATM authentication method and authenticates the validity, thereby recognizing the VoIP terminal 495 as a virtual financial terminal. Preferably, the financial institution server 435 has a database (not shown) that stores separate terminal authentication information for authenticating the virtual financial terminal information according to the CD / ATM authentication method for each financial institution. It is possible.

When the VoIP terminal 495 is authenticated (or recognized) with the virtual financial terminal (eg, virtual CD / ATM), the terminal authentication unit 450 sends the virtual financial terminal authentication information to the VoIP terminal 495. In response, the VoIP terminal 495 corresponds to the virtual financial terminal (eg, virtual CD / ATM) according to a non-face-to-face financial transaction control procedure according to the financial transaction control of the security module. It is characterized by performing a financial transaction procedure.

Referring to FIG. 4, the financial institution server 435 requests a payment / transaction request including one or more card information (or account information), a password, and payment / transaction information from the VoIP terminal 495 through the secure communication channel. A professional receiving unit 455 (or a professional receiving unit) for receiving a full text, and a financial transaction processing unit 460 (or a financial transaction processing unit) for processing a financial transaction corresponding to the received payment / transaction request text in association with a financial system. ) And a payment / transaction response text (eg, a text including transaction history information corresponding to a ledger processing result corresponding to the payment / transaction request text) including the transaction processing result and the VoIP terminal 495. Characterized in that it comprises a specialized transmission unit 463 (or professional transmission means) for transmitting to.

When the VoIP terminal 495 is recognized as a virtual financial terminal, the specialized receiving unit 455 selects customer card information and financial transaction item according to the non-face-to-face financial transaction control of the security module provided in the VoIP terminal 495. And receiving a payment / transaction request message including one or more information and payment / transaction information corresponding to the financial transaction item.

Here, the payment / transaction request message may include a CD / ATM-based payment / transaction request message structure that the financial company server 435 recognizes as a payment / transaction request message transmitted from the CD / ATM terminal.

When the payment / transaction request message is received through the specialized receiver 455, the financial transaction processor 460 performs the requested ledger process in association with the financial system.

In the technical field to which the present invention belongs, the financial transaction processing unit 460 will be familiar with the technical features of processing the ledger corresponding to the payment / transaction request text in connection with the financial system, and thus the detailed description thereof is omitted for convenience. Let's do it.

When the transaction history information is confirmed (or extracted) through the ledger processing by the financial transaction processing unit 460, the specialized transmission unit 463 includes a payment / transaction response including transaction history information corresponding to the result of the ledger processing. A full text (eg, a full text including transaction history information corresponding to a ledger processing result corresponding to the full payment / transaction request text) is generated and transmitted to the VoIP terminal 495.

After the payment / transaction response message is transmitted to the VoIP terminal 495, the communication channel manager 440 preferably releases the end-to-end secure communication channel with the VoIP terminal 495.

Referring to FIG. 4, the payment relay server 465 includes a communication channel connection unit 470 (or communication channel connection means) for connecting the VoIP terminal 495 and an end-to-end secure communication channel based on encryption / decryption; A professional acquiring unit 473 for receiving a full payment / transaction request message including one or more card information (or account information), password, payment / transaction information corresponding to a payment method from the VoIP terminal 495 through the secure communication channel (Or a professional receiving means), a payment means confirming unit 480 (or payment means confirming means) for confirming a payment means type corresponding to the card information (or account information), and the identified payment means type is a card If it is a payment method, a payment approval request message including the card information (or account information), payment amount information, and payment target information for each payment method type for card payment is generated to correspond to the card information (or account information). The payment process is processed through the server 490, and if the identified payment means is a payment method, the card information (or account information), payment amount information, and a payment method for each payment method for payment by account transfer And a payment processing unit 483 (or payment processing means) for generating an account transfer transaction including information and processing the payment to be approved through the financial institution server 435 corresponding to the card information (or account information). Characterized in that, the payment approval result full text including the payment processing history for the payment approval request message is received from the bansa server 485, or the full account transfer result corresponding to the full account transfer transaction from the financial company server (435) If received, before the payment / transaction response associated with the payment / transaction request full text through the payment approval result full text or bank transfer result full text To create a having a specialized processor 475 (or a specialized transmitting means) for transmitting to the VoIP terminal 495 it is characterized in that formed.

For the virtual CD / ATM based payment / transaction during the voice call through the VoIP, the communication channel connection unit 470 connects the end-to-end secure communication channel based on encryption / decryption with the VoIP terminal 495 shown in FIG. Characterized in that.

When the secure communication channel is connected to the VoIP terminal 495 through the communication channel connection unit 470, the expert acquisition unit 473 is used to control the non-face-to-face financial transaction of the security module provided in the VoIP terminal 495. Accordingly, it is characterized in that for receiving the full payment / transaction request message including the customer card information, financial transaction item selection information and payment / transaction information corresponding to the financial transaction item.

When the payment / transaction request message is received through the full text acquisition unit 473, the payment method confirmation unit 480 reads card information (or account information) included in the full text of the payment / transaction request, and the card is read. Check whether the type of payment means corresponding to the information (or account information) is a card payment means (eg, credit card, check card) or a bank transfer payment means (eg, cash card, account information, electronic bank account information). It is done.

According to the method of the present invention, the payment means confirmation unit 480 reads the number system of the card number (or payment means number) included in the card information (or account information), or the card information (or account) Read the card company information (or financial company information) included in the information, the type of payment means corresponding to the card information (or account information) is the card payment means (for example, credit card, check card) or the bank transfer payment means ( For example, it is preferable to check whether the cash card, account information, electronic bank account information).

If the payment means type corresponding to the card information (or account information) is identified as a card payment means, the payment processing unit 483 determines the card information (or account information), payment amount information, and payment method type for card payment. Generate a payment approval request message including payment target information for each process, and process the generated payment approval request message to be transmitted to the card company server 490 corresponding to the card information (or account information) through the bansa server 485. By doing so, the card company server 490 is characterized in that the card payment corresponding to the full payment approval request is processed to be approved.

Those skilled in the art to which the present invention pertains, since the card company server 490 will be familiar with the technical features for processing the credit card corresponding to the payment approval request full text, detailed description thereof It will be omitted for convenience.

Alternatively, when the payment means type corresponding to the card information (or account information) is confirmed as a wire transfer payment means, the payment processing unit 483 is the card information (or account information), payment amount information, account transfer payment for Full payment transfer account including payment target information by type of payment method (for example, withdraw the payment amount from a customer account corresponding to the card information (or account information) and deposit it into the merchant account corresponding to the payment target information by payment method type) (Or transfer) a payment / transaction request message), and transmit the generated transfer account transaction message to a financial institution server 435 corresponding to the card information (or account information) to correspond to the transfer transaction message. Characterized in that the account transfer payment is processed.

If one of ordinary skill in the art to which the present invention belongs, the financial institution server 435 in connection with the financial system through the account transfer transaction corresponding to the full account transfer transaction payment through the account transfer method Since it will be familiar with the technical features to be processed, a detailed description thereof will be omitted for convenience.

If the payment relay server 465 and the financial company server 435 is implemented in the form of an integrated server, the function of generating the full account transfer transaction is a function of the financial transaction processing unit 460 provided in the financial company server 435. Is preferably replaced with.

When the payment approval result message including the payment processing history for the payment approval request message is received from the bansa server 485 or the account transfer result message corresponding to the full account transfer transaction is received from the financial company server 435, The specialized processing unit 475 may generate a payment / transaction response message associated with the payment / transaction request text message through the payment approval result text message or the full account transfer result text message, and transmit the generated text to the VoIP terminal 495.

After the payment / transaction response message is transmitted to the VoIP terminal 495, the communication channel connection unit 470 may release an end-to-end secure communication channel with the VoIP terminal 495.

5 is a diagram illustrating a voice call connection process for converting and processing voice call-based automatic response payment / transaction into screen response payment / transaction according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a phone number to which the voice call channel is connected when the voice call channel is connected by performing a call connection procedure through the voice call module of the VoIP terminal 495 in the VoIP terminal 495 shown in FIG. The process of checking whether the payment is matched with a preset payment / transaction target auto-response phone number, and a person of ordinary skill in the art to which the present invention pertains refers to the voice call based on and / or modified with reference to FIG. It will be possible to infer various implementation methods for the voice call connection process for converting the automatic response payment / transaction into the screen response payment / transaction, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 5, the VoIP terminal 495 shown in FIG. 3 performs a call connection procedure through a voice call module, thereby making a call terminal corresponding to a specific phone number (for example, an incoming call number or an outgoing call number). Check that the voice answering channel is connected to the automatic answering server (500). If the voice call channel is connected (505), the VoIP terminal 495 is automatically connected to the telephone number to which the voice call channel is connected and the payment / transaction target. By comparing the response phone numbers, it is checked whether the phone number to which the voice call channel is connected is matched with the payment / transaction target autoresponder phone number which is converted to a voice call-based autoresponder payment / transaction into a screen response payment / transaction (510). ).

If the phone number to which the voice call channel is connected does not match the payment / transaction target auto answer phone number (515), the VoIP terminal 495 establishes a voice call with the call terminal or auto answer server to which the voice call channel is connected. Process 520, and the voice call channel is maintained 525 until the voice call ends with the call terminal or auto-answer server.

On the other hand, if the telephone number to which the voice call channel is connected is matched with the payment / transaction target auto-response telephone number (515), the VoIP terminal 495 responds to the voice call-based automatic response corresponding to the payment / transaction target auto-answer telephone number. Switch operation mode to switch payment / transaction to screen-response payment / transaction (530), and to an answering server to which the voice call channel is connected (e.g., an answering server corresponding to the payment / transaction target auto-answering phone number); The screen response payment / transaction start signal is transmitted (535).

In this case, the screen response payment / transaction start signal, the VoIP terminal 495 to switch the voice call-based automatic response payment to the screen response payment to notify the automatic response server to initiate the payment / transaction / And a transaction start signal and a telephone number assigned to the VoIP terminal 495. When the screen response payment / transaction start signal is transmitted after the virtual financial terminal function is activated, the screen response is performed. The payment / transaction start signal may further include financial company information that authenticates the virtual financial terminal function.

According to an exemplary embodiment of the present invention, the screen response payment / transaction start signal is preferably transmitted to the automatic response server through a voice call channel according to a complex frequency coding scheme.

According to another exemplary embodiment of the present invention, when the data communication channel between the VoIP terminal 495 and the auto answering server is connected, the screen response payment / transaction start signal is transmitted to the auto answering server through the data communication channel. It is preferable to be.

According to another exemplary embodiment of the present invention, when the server is affiliated with any one of the automatic response server, the financial company server 435, the communication relay server 400, and the payment relay server 465, the screen response payment / The transaction start signal is preferably transmitted to the automatic response server using a server affiliated with the automatic response server as a relay server.

6 is a diagram illustrating a voice call connection process for converting and processing voice call-based automatic response payment / transaction into screen response payment / transaction according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates a case in which a virtual currency terminal screen of the VoIP terminal 495 illustrated in FIG. 3 is provided with a menu for converting a voice call-based automatic answer payment / transaction into a screen response payment / transaction. This is a process of connecting a voice call channel with an auto answering server corresponding to a payment / transaction target auto answering phone number by selecting a menu, and a person skilled in the art may refer to FIG. 6. And / or may be modified to infer various implementation methods for a voice call connection process for converting and processing the voice call-based automatic answering payment / transaction into a screen response payment / transaction. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 6, when the virtual financial terminal screen of the VoIP terminal 495 illustrated in FIG. 3 is provided with a menu for converting a voice call-based auto-answer payment / transaction into a screen-response payment / transaction, the VoIP is processed. The terminal 495 determines whether a menu for processing the voice call-based automatic response payment / transaction by switching to the screen-response payment / transaction is selected (600), and if the voice call-based automatic response payment / transaction is performed on the screen response payment / If a menu for switching to a transaction is not selected (605), the VoIP terminal 495 performs a call connection procedure through a voice call module to correspond to a specific phone number (eg, an incoming call number or an outgoing call number). Check whether the voice call channel is connected to the call terminal or the auto answer server (610), and if the voice call channel is connected (615), the call terminal or the auto answering device to which the voice call channel is connected; A voice call is processed with the server (620), and the voice call channel is maintained (625) until the voice call with the call terminal or the answering machine is terminated.

On the other hand, if a menu for converting the voice call-based automatic response payment / transaction into a screen response payment / transaction is selected (605), the VoIP terminal 495 is the payment / transaction target automatic response telephone number corresponding to the menu selection. A list is output and a call connection target payment / transaction target auto-answer telephone number is selected from the output payment / transaction target auto-answer telephone list.

If a call connection target payment / transaction target auto answer telephone number is selected from the list of payment / transaction target auto answer telephone numbers (635), the VoIP terminal 495 connects a call to the payment / transaction target auto answer telephone number. The voice call channel is connected through the procedure (640), and if the voice call channel is connected (645), the VoIP terminal 495 is a voice call-based auto-answer payment corresponding to the payment / transaction target auto-answer phone number Switch the operation mode to switch the screen transaction to the screen response payment / transaction (650), and display the screen on the auto answer server (e.g., the auto answer server corresponding to the payment / transaction target auto answer phone number) to which the voice call channel is connected. The response payment / transaction start signal is transmitted (655).

Here, the screen response payment / transaction initiation signal, the payment / transaction to notify the automatic response server to initiate the payment / transaction by switching the voice call-based automatic response payment to the screen response payment in the VoIP terminal 495 And a start number and a telephone number assigned to the VoIP terminal 495. When the screen response payment / transaction start signal is transmitted after the virtual financial terminal function is activated, the screen response payment The transaction start signal may further include financial company information that authenticates the virtual financial terminal function.

7 is a diagram illustrating a multi-channel communication process for converting and processing voice call-based automatic response payment / transaction into screen response payment / transaction according to an embodiment of the present invention.

In more detail, in FIG. 7, the voice call channel is connected to the payment / transaction target auto answer server through the voice call channel connection process shown in FIG. 5 or 6 in the VoIP terminal 495 shown in FIG. When the automatic response payment / transaction for the auto-response server is set to switch to screen response payment / transaction, the virtual financial terminal program (for example, the virtual CD / program of the VoIP terminal 495) is configured in the VoIP terminal 495. The communication relay server 400 by transmitting a VoIP terminal 495 information and security module information to a communication relay server 400 shown in FIG. 4 by starting a virtual machine that operates to operate an ATM. Receives the virtual financial terminal activation information from the terminal, and activates the virtual financial terminal function provided in the VoIP terminal 495 through the received virtual financial terminal activation information. Based on the function of the process of connecting to the financial institution server 435 shown in Figure 4 through the end-to-end secure communication channel, if the person of ordinary skill in the art to which the present invention belongs, refer to this figure and And / or may be modified to infer various implementation methods for a multi-communication channel connection process for converting and processing the voice call-based automatic response payment / transaction into a screen response payment / transaction. It is made, including the method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 7, the voice call channel is connected to the payment / transaction target autoresponder server through the voice call channel connection process illustrated in FIG. 5 or FIG. 6, and an automatic response payment / transaction is performed for the autoresponder server. If it is configured to switch to screen response payment / transaction and process, the VoIP terminal 495 is a virtual financial terminal program (for example, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 495). In operation 700, a plurality of communication channels for further connecting the data communication channel with the communication relay server 400 shown in FIG. 4 while maintaining the VoIP-based voice call channel are activated (700).

If multiple communication channels for further connecting a data communication channel with the communication relay server 400 shown in FIG. 4 while maintaining the VoIP-based voice call channel are connected (or switched) (705), the communication channel is disconnected. The communication relay server 400 checks the VoIP terminal 495 information and the security module information corresponding to the security module provided in the VoIP terminal 495 in association with the memory unit, and the data of the multiple communication channels. The checked VoIP terminal 495 information and security module information are transmitted to the communication relay server 400 through a communication channel (710).

Thereafter, the communication relay server 400 includes a card reader and a valid security module (eg, the virtual financial terminal information) in the VoIP terminal 495 in association with the storage medium 430, and provides the non-face-to-face financial transaction control information. And a security module having a non-face-to-face financial transaction authentication function), and when the VoIP terminal 495 is provided with a card reader and a valid security module, the VoIP terminal 495 from the storage medium 430. In step 715, the virtual financial terminal activation information associated with the information and the security module information is verified (or dynamically generated).

Here, the virtual financial terminal activation information is information for activating the VoIP terminal 495 to operate as a virtual financial terminal (= virtual CD / ATM) by activating the security module provided in the VoIP terminal 495. In this case, the security module activated by the virtual financial terminal activation information is encrypted / corresponding to the data communication channel of the multiple communication channels and the financial institution server 435 (or financial institution server 435 via the communication relay server 400) Connect the decryption-based secure communication channel, and transmit the virtual financial terminal information included in the security module from the VoIP terminal 495 to the financial institution server 435 through the secure communication channel; In 495, it is preferable to process the non-face-to-face financial transaction through the non-face-to-face financial transaction control information and the face-to-face financial transaction authentication function provided in the security module.

If the virtual financial terminal activation information is confirmed (720), the communication relay server 400 transmits the virtual financial terminal activation information to the VoIP terminal 495 through the data communication channel of the multiple communication channel (725). In response, the VoIP terminal 495 receives the virtual financial terminal activation information through the data communication channel of the multiple communication channel and provides the virtual financial terminal activation information to the security module, thereby reading the virtual financial terminal activation information from the security module. The virtual financial terminal function of the security module is processed to be activated (730).

If the virtual financial terminal function of the security module is activated (735), the VoIP terminal 495 corresponds to the data communication channel of the multi-communication channel with the financial company server 435 according to the non-face-to-face financial transaction control of the security module. To connect the end-to-end secure communication channel based on encryption / decryption (740).

According to an exemplary embodiment of the present invention, the VoIP terminal 495 bypasses one or more communication relay servers 400 according to the non-face-to-face financial transaction control of the security module to bypass the VoIP terminal 495 and the financial company. It is preferable to connect an end-to-end secure communication channel based on encryption / decryption corresponding to the data communication channel of the multiple communication channel between the servers 435.

According to another embodiment of the present invention, the VoIP terminal 495 is the multiple between the VoIP terminal 495 and the financial company server 435 according to the virtual private network protocol in accordance with the non-face-to-face financial transaction control of the security module. It is preferable to connect an end-to-end secure communication channel based on encryption / decryption corresponding to the data communication channel of the communication channel.

Those skilled in the art to which the present invention pertains may include encryption / decryption based end-to-end connection between the above-described VoIP terminal 495 and the financial institution server 435 corresponding to the data communication channel of the multiple communication channel. Since you will be familiar with the technical features of the secure communication channel, a detailed description thereof will be omitted for convenience.

8 is a diagram illustrating a process of processing the VoIP terminal 495 to be recognized as a virtual financial terminal according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates a data communication channel of the financial company server 435 and the multiple communication channel shown in FIG. 4 through the multiple communication channel connection process of FIG. 7 in the VoIP terminal 495 of FIG. After the secure communication channel is connected to the virtual financial terminal information to the financial institution server 435, the financial terminal server 435 to the virtual terminal (for example, virtual CD / ATM) of the VoIP terminal 495 As a person having ordinary knowledge in the technical field to which the present invention pertains, the VoIP terminal 495 may be recognized as a virtual financial terminal by referring to and / or modifying the present invention. It will be possible to infer various implementation methods for the process of treatment, but the present invention includes all the implementation methods inferred, the technical features only by the implementation method shown in FIG. It shall not be limited.

Referring to FIG. 8, after the secure communication channel is connected to the financial institution server 435 illustrated in FIG. 4 through the multiple communication channel connection process of FIG. 7, the VoIP terminal 495 illustrated in FIG. 3 is connected to the VoIP terminal 495. The terminal 495 outputs a virtual financial terminal authentication interface to the screen output means according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module, and authenticates information (eg, through the virtual financial terminal authentication interface). The PIN information for the security module) is input (800), and if authentication information is input through the virtual financial terminal authentication interface (805), the VoIP terminal 495 is a virtual financial terminal function of the security module. Authentication to the authentication information by processing to provide and read the input authentication information to the security module according to a non-face-to-face financial transaction control corresponding to Check the virtual financial information from the terminal and the security module as will be (or extraction) 810.

According to another exemplary embodiment of the present invention, the VoIP terminal 495 outputs the virtual financial terminal authentication interface, and provides authentication information input through the virtual financial terminal authentication interface to the security module to be authenticated. In this case, it is preferable to check (or extract) the virtual financial terminal information from the security module according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module.

If the virtual financial terminal information is confirmed (or extracted) from the security module (815), the VoIP terminal 495 is the secure communication channel according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. The virtual financial terminal information is transmitted to the financial institution server 435 through 820.

Thereafter, the financial institution server 435 receives the virtual financial terminal information, reads and authenticates the received virtual financial terminal information, and verifies the validity of the virtual financial terminal of the VoIP terminal 495 (825).

If the validity of the virtual financial terminal of the VoIP terminal 495 is not authenticated (830), the financial institution server 435 transmits the virtual financial terminal error information to the VoIP terminal 495 through the secure communication channel (835). In step 840, the end-to-end secure communication channel between the VoIP terminal 495 and the financial institution server 435 is released.

On the contrary, if the validity of the virtual financial terminal of the VoIP terminal 495 is authenticated (830), the financial institution server 435 transmits the virtual financial terminal authentication information to the VoIP terminal 495 through the secure communication channel (845). In response, the VoIP terminal 495 activates the virtual financial terminal function of the security module through the virtual financial terminal authentication information (850), and the non-face-to-face financial transaction corresponding to the virtual financial terminal function of the security module. According to the control, a financial transaction procedure corresponding to a virtual financial terminal (eg, virtual CD / ATM) is performed.

In more detail, FIG. 9 is set to convert the voice call-based automatic answering payment into a screen responding payment through the process shown in FIG. 5 or FIG. 6, and through the virtual financial terminal recognition process shown in FIG. After the VoIP terminal 495 shown in Fig. 3 is recognized as a virtual financial terminal (for example, CD / ATM), the VoIP terminal 495 controls the non-face-to-face financial transaction control of the security module and the payment / transaction target automatically. The process of outputting the payment / transaction interface for screen response payment / transaction according to the automatic response payment procedure for each payment / transaction target-response telephone number corresponding to the response telephone number. Specifically, the card information reading interface is output. By reading the card information (or account information), and inputting (or confirming) the payment identification information.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to infer various implementation methods for the payment / transaction interface output process for the screen response payment / transaction. 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. 9, the voice call-based auto answer payment is set to switch to screen answer payment through the process shown in FIG. 5 or FIG. 6, and the VoIP shown in FIG. When the terminal 495 is recognized as a virtual financial terminal (eg, CD / ATM), the VoIP terminal 495 corresponds to a non-face-to-face financial transaction control procedure of the security module and the payment / transaction target auto-answer telephone number. The card information reading interface is output according to an autoresponder payment procedure for each payment / transaction target autoresponder phone number (900).

If the PIN information interface is included (or linked) in the card information reading interface (905), the VoIP terminal 495 checks whether the PIN information (or card password) is input through the PIN input interface (910). If the PIN information (or card password) is input through the PIN input interface (915), the VoIP terminal 495 is connected to the non-face-to-face financial transaction control procedure of the security module and the payment / transaction target auto-answering phone number. The validity of the PIN information (or card password) is checked according to an autoresponder payment procedure for each corresponding payment / transaction target autoresponder phone number (920).

If the validity of the PIN information (or card password) is not confirmed (925), the VoIP terminal 495 outputs PIN information (or card password) input error information (930), and the PIN information (or Repeat the process of entering the card password.

On the other hand, if the validity of the PIN information (or card password) is confirmed (925), the VoIP terminal 495 checks the validity of the PIN information (or card password) (920).

If the validity of the PIN information (or card password) is not confirmed (925), the VoIP terminal 495 outputs the PIN information (or card password) input error information (930), and repeats the above process. .

If the validity of the PIN information (or card password) is confirmed (925), or if the PIN information interface is not included in the card information reading interface (905), the VoIP terminal 495 is a non-security module of the security module. Confirm that card information (or account information) is read through the card reader according to the face-to-face financial transaction control procedure and the automatic response payment procedure for each payment / transaction target autoresponder phone number corresponding to the payment / transaction target autoresponder phone number. (935)

If card information (or account information) is read through the card reader (940), the VoIP terminal 495 corresponds to the non-face-to-face financial transaction control procedure of the security module and the payment / transaction target auto-answer phone number. The validity of the read card information (or account information) is checked according to an automatic response payment procedure for each payment / transaction target automatic response telephone number (945).

If the validity of the read card information (or account information) is not confirmed (950), the VoIP terminal 495 outputs card information (or account information) reading error information (955), and repeats the above process. do.

On the other hand, if the validity of the read card information (or account information) is confirmed (950), the VoIP terminal 495 performs the process shown in FIG.

In more detail, FIG. 10 is set to convert the voice call-based automatic answering payment into screen-responsive payment through the process shown in FIG. 5 or FIG. 6, and through the virtual financial terminal recognition process shown in FIG. After the VoIP terminal 495 shown in FIG. 3 is recognized as a virtual financial terminal (for example, CD / ATM), card information (or account information) is stored in the VoIP terminal 495 through the process shown in FIG. When read (according to the intention of the person and the automatic response payment procedure can be performed after the process of Figure 9), the VoIP terminal (495) in the non-face-to-face financial transaction control procedures and the payment / transaction target automatic response in the security module Enter the payment / transaction information through the payment / transaction information input interface according to the auto-response payment procedure for each payment / transaction target automatic phone number corresponding to the phone number, and the card information (or account information) and In the technical field to which the present invention belongs, a process for generating a full payment / transaction request including the information of the first / transaction is generated and transmitted to the financial company server 435 (or the payment relay server 465) shown in FIG. Those skilled in the art will be able to infer various implementation methods for inputting payment / transaction information for the screen response payment / transaction by referring to and / or modifying the drawing 10, 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.

For example, the process of validating the payment / transaction information shown in FIG. 10 can be omitted according to the intention of the person skilled in the art and the automatic response payment procedure, and the present invention is not limited thereto.

Referring to FIG. 10, a voice call-based automatic answering payment is set to switch to screen-response payment through the process shown in FIG. 5 or FIG. 6, and the virtual financial terminal recognition process shown in FIG. After the VoIP terminal 495 shown in FIG. 9 is recognized as a virtual financial terminal (eg, CD / ATM), card information (or account information) is read in the VoIP terminal 495 through the process shown in FIG. (After the process of FIG. 9 can be performed according to the intention and the automatic response settlement procedure of the person in charge), the VoIP terminal 495 is a non-face-to-face financial transaction control procedure of the security module and the payment / transaction target answering machine. The payment / transaction information is input through the payment / transaction information input interface according to the automatic response payment procedure for each payment / transaction target autoresponder phone number corresponding to the number (1000).

If the payment / transaction information is input (1005), the VoIP terminal 495 verifies the validity by transmitting the input payment / transaction information to the automatic response server (1010).

Here, the method of verifying the validity by transmitting the payment / transaction information to the automatic response server, the method using the complex frequency code, the method using a data communication channel between the VoIP terminal 495 and the automatic response server, the automatic response The financial institution server 435, the communication relay server 400, the payment relay server 465 in cooperation with the server preferably comprises one or more of the manner of using any one of the server as a relay server.

If the validity of the payment / transaction information is verified (1015), the VoIP terminal 495 completes a payment / transaction request message including one or more of the card information (or account information) and the input payment / transaction information. Create 1020.

If the full payment / transaction request is generated (1025), the VoIP terminal 495 is connected to the financial institution server 435 (or payment relay server) through an end-to-end secure communication channel corresponding to the data communication channel of the multiple communication channel. By transmitting the generated payment / transaction request text (1020) to the financial institution server 435 (or the payment relay server 465), the screen response payment / transaction is performed by virtual CD / ATM-based payment / Ensure that the transaction is handled accordingly.

According to another exemplary embodiment of the present invention, the VoIP terminal 495 does not transmit the full payment / transaction request to the financial institution server 435, and voice-based automatic response of key input information of the payment / transaction information. By transmitting the information to be transmitted to the auto-response server for payment / transaction to the auto-response server according to the complex frequency coding method, the auto-response server to process the auto-response payment according to the conventional auto-response payment / transaction procedure In this case, the VoIP terminal 495 provides a screen response payment / transaction function for outputting a payment / transaction interface corresponding to a voice call-based automatic response payment / transaction through the interface output unit.

11 is a diagram illustrating a payment / transaction information input process for screen response payment / transaction according to another embodiment of the present invention.

In more detail, FIG. 11 is set to convert voice call-based automatic answering payment into screen-responsive payment through the process shown in FIG. 5 or FIG. After the VoIP terminal 495 shown in FIG. 3 is recognized as a virtual financial terminal (for example, CD / ATM), card information (or account information) is stored in the VoIP terminal 495 through the process shown in FIG. When read (according to the intention of the person and the automatic response payment procedure can be performed after the process of Figure 9), the VoIP terminal 495, the non-face-to-face financial transaction control procedure of the security module and the payment / transaction target automatic response telephone Automatic response for each payment / transaction target corresponding to the number Automatic response for each phone number According to the payment procedure, enter a part of the payment / transaction information through the payment / transaction information input interface, and send the rest of the automatic response form. After receiving from the automatic input (or output), and generates a full payment / transaction request including the card information (or account information) and payment / transaction information to the financial institution server 435 (or payment) shown in Figure 4 Relay server 465, and a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 11 to make payment / transaction for the screen response payment / transaction. Various implementation methods for the information input process may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 11, a voice call-based automatic answering payment is set to switch to screen-answering payment through the process shown in FIG. 5 or FIG. 6, and the virtual financial terminal recognition process shown in FIG. After the VoIP terminal 495 shown in FIG. 9 is recognized as a virtual financial terminal (eg, CD / ATM), card information (or account information) is read in the VoIP terminal 495 through the process shown in FIG. When the process can be performed after the process shown in FIG. 9 according to the intention and automatic response payment procedure of the person in charge, the VoIP terminal 495 controls the non-face-to-face financial transaction control of the security module and the payment / transaction target automatic response telephone number. The payment / transaction information is input through the payment / transaction information input interface according to the automatic response payment procedure for each payment / transaction target auto-response phone number corresponding to 1100.

If a part of the payment / transaction information is input (1105), the VoIP terminal 495 receives the remaining part of the payment / transaction information to be automatically input (or output) to the payment / transaction information input interface from an auto answering server. In operation 1110, the controller 10 determines whether the payment / transaction information input interface is automatically input (or output).

According to an exemplary embodiment of the present invention, when a part of payment / transaction information (for example, payment / transaction amount) is transmitted in a complex frequency code method by an automatic response server corresponding to the payment / transaction target autoresponder phone number, the VoIP The terminal 495 receives and recognizes a complex frequency code transmitted from the auto-response server to confirm payment / transaction information, and automatically inputs (or outputs) the confirmed payment / transaction information to the payment / transaction information input interface. It is desirable to.

According to another exemplary embodiment of the present invention, a part of payment / transaction information (eg, payment / transaction amount) is provided through a data communication channel associated with the voice call channel in an automatic response server corresponding to the payment / transaction target autoresponder phone number. ), The VoIP terminal 495 preferably receives payment / transaction information transmitted from the auto-response server and automatically inputs (or outputs) the payment / transaction information input interface.

According to another exemplary embodiment of the present invention, any one of an automatic answering server, a financial institution server 435, a communication relay server 400, and a payment relay server 465 corresponding to the payment / transaction target automatic answering phone number And the VoIP terminal 495 when the automatic response server provides payment / transaction information to any one of the financial institution server 435, the communication relay server 400, and the payment relay server 465. Receives payment / transaction information transmitted through a data communication channel connected to any one of the financial company server 435, the communication relay server 400, and the payment relay server 465 to the payment / transaction information input interface. Automatic input (or output) is preferred.

If the payment / transaction information is keyed or automatically inputted (or outputted) through the payment / transaction information input interface (1115), the VoIP terminal 495 determines the card information (or account information) and the input payment. Generate a full text payment / transaction request including the / transaction information (1120).

If the full payment / transaction request is generated (1125), the VoIP terminal 495 is the financial company server 435 (or payment relay server) through the end-to-end secure communication channel corresponding to the data communication channel of the multiple communication channel By transmitting the generated payment / transaction request message to the full text message (465), the financial institution server 435 (or payment relay server 465) performs the virtual CD / ATM-based payment / Ensure that the transaction is handled accordingly.

According to another exemplary embodiment of the present invention, the VoIP terminal 495 does not transmit the full payment / transaction request to the financial institution server 435, and voice-based automatic response of key input information of the payment / transaction information. By transmitting the information to be transmitted to the auto-response server for payment / transaction to the auto-response server according to the complex frequency coding method, the auto-response server to process the auto-response payment according to the conventional auto-response payment / transaction procedure In this case, the VoIP terminal 495 provides a screen response payment / transaction function for outputting a payment / transaction interface corresponding to a voice call-based automatic response payment / transaction through the interface output unit. .

In more detail, FIG. 12 illustrates a payment / transaction request message including one or more card information (or account information) and payment / transaction information in the VoIP terminal 495 through the process illustrated in FIG. 10 or 11. And the transmission, the financial company server 435 (or payment relay server 465) shown in Figure 4 receives the full payment / transaction request message screen through the card information (or account information) and payment / transaction information Regarding the process of processing the response payment / transaction, those skilled in the art to which the present invention belongs, various implementation methods for the screen response payment / transaction processing process by referring to and / or modified in this drawing 12 Although it can be inferred, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 12, the financial company server 435 or the payment relay server 465 shown in FIG. 4 is collectively referred to as a “server”.

Referring to FIG. 12, through the process shown in FIG. 10 or 11, the VoIP terminal 495 generates a full payment / transaction request message including one or more card information (or account information) and payment / transaction information. When transmitting, the server receives the payment / transaction request text from the VoIP terminal 495 (1200), checks the card information (or account information) and payment / transaction information from the payment / transaction request text ( In operation 1205, the screen response payment / transaction is processed through the card information (or account information) and payment / transaction information.

If the screen response payment / transaction is processed through the card information (or account information) and payment / transaction information (1215), the server generates the full text of the payment / transaction response corresponding to the screen response payment / transaction (1220). In operation 1225, the generated payment / transaction response message is transmitted to the VoIP terminal 495.

Thereafter, the VoIP terminal 495 receives the payment / transaction response text and outputs the screen (1230), and transmits a screen response payment / transaction completion signal to the auto-responder server (1235).

Here, the screen response payment / transaction completion signal, the payment / transaction completion signal for notifying the automatic response server that the payment / transaction completion by switching the voice call-based automatic response payment to the screen response payment in the VoIP terminal 495 And, it is preferably made to include one or more payment / transaction result signals (eg, payment / transaction amount, payment / transaction approval number, etc.) included in the full payment / transaction response.

According to an exemplary embodiment of the present invention, the screen response payment / transaction completion signal is preferably transmitted to the auto answer server through a voice call channel according to a complex frequency coding scheme.

According to another exemplary embodiment of the present invention, when the data communication channel between the VoIP terminal 495 and the auto answer server is connected, the screen response payment / transaction completion signal is transmitted to the auto answer server through the data communication channel. It is preferable to be.

According to another exemplary embodiment of the present invention, when the server is affiliated with any one of the automatic response server, the financial company server 435, the communication relay server 400, and the payment relay server 465, the screen response payment / The transaction completion signal is preferably transmitted to the automatic response server using a server affiliated with the automatic response server as a relay server.

According to the present invention, there is an advantage in that the automatic answer-based payment / transaction based on the voice call is automatically switched to the screen-response payment / transaction to provide an automatic answer-based payment / transaction without having to listen to the multi-level voicement of a complicated structure. .

Claims

Claims [1] A method for processing a screen response payment in a voice call terminal having a voice call function, a screen output means and a key input means,

Storing at least one payment / transaction target auto-response phone number and payment / transaction interface information for converting the auto-response payment for the phone number into screen-response payment;

When the call is connected to the voice call terminal, comparing the payment / transaction target auto-response phone numbers stored in the memory unit to check whether they match;

If the phone number matches, outputting the payment / transaction interface to the screen output means; And

And processing payment by transmitting payment / transaction information, including card information and one or more payment amounts, input through the payment / transaction interface to a server on a communication network.

The method of claim 1,

And transmitting a screen response payment / transaction initiation signal to notify the call answering system that converts the voice call-based automatic response payment / transaction into a screen response payment / transaction to the connected automatic response server. Response to payment method.

The method of claim 1, wherein the payment / transaction interface information,

And a payment / transaction interface information for each auto-responder phone number which converts and displays the auto-response payment procedure corresponding to the payment / transaction target auto-response phone number into a screen response.

In a voice call terminal having a voice call function, a screen output means, and a key input means,

A memory unit for storing one or more payment / transaction target autoresponder phone numbers and payment / transaction interface information for converting the automatic response payment for the phone number into screen response payment;

An information confirmation unit for comparing the payment / transaction target auto-response phone numbers stored in the memory unit and confirming that the voice call terminal is connected;

An interface output unit for outputting the payment / transaction interface to the screen output unit if the phone numbers match; And

And an information processing unit which transmits payment / transaction information, including card information and at least one payment amount, input through the payment / transaction interface to a server on a communication network to process a payment.