KR20100102478A

KR20100102478A - Method for processing display response settlement conversion, voice call device

Info

Publication number: KR20100102478A
Application number: KR1020090020891A
Authority: KR
Inventors: 최수진
Original assignee: 주식회사 신한은행
Priority date: 2009-03-11
Filing date: 2009-03-11
Publication date: 2010-09-24

Abstract

PURPOSE: A method for processing display response settlement conversion, and a voice call device thereof are provided to conveniently supply a payment/transaction interface based on an automatic response by automatically switching a voice-based automatic response payment/transaction into a screen response payment/transaction. CONSTITUTION: A memory(315) links payment/transaction interface information for automatically switching an automatic response payment interface into a screen response payment to voice payment announcement information, and stores the linked payment/transaction interface information. An interface output checker(330) confirms the payment related voice received for an ARS(Automated Response System) server when connecting a call of a voice call terminal. An interface output unit(355) outputs the payment/transaction interface associated with the payment related voice.

Description

Method for Processing Screen Response Payment Conversion and Voice Call Device for It {Method for Processing Display Response Settlement Conversion, 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 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.

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.

FIG. 5 is a diagram illustrating a process of 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.

FIG. 6 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.

7 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.

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

9 is a diagram illustrating a payment / transaction information input 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 another exemplary embodiment of the present invention.

11 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: VoIP server 145: subscription processing terminal

150: VoIP terminal

The method for converting and processing an automatic response payment of a voice call terminal having a voice call function, a screen output means, and a key input means into screen response payment according to the present invention includes a payment for converting the automatic response payment into a screen response payment. Storing the transaction information and / or transaction interface information and voice-related voicement information (or interface output signal) matched with a specific payment / transaction interface and storing them in a memory unit, and when the call is connected to the voice call terminal, Confirming payment related voice cement (or interface output signal) transmitted from the call-connected answering machine (or terminal) through payment related voice cement information (or interface output signal); Outputs payment / transaction interface associated with payment-related voice announcements (or interface output signals). Is a screen response payment conversion processing method comprising the step and processing the payment by transmitting the payment / transaction information-card information, including at least one payment amount-input through the payment / transaction interface to the server 2 on the communication network; It is about.

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.).

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems is a method of converting and processing an automatic response payment of a voice call terminal having a voice call function, a screen output means and a key input means into a screen response payment, wherein the automatic response payment is made. Storing the payment / transaction interface information for converting the screen-response payment into payment to the memory unit in association with payment-related voicement information (or interface output signal) matching the specific payment / transaction interface; Confirming a payment-related voice message (or interface output signal) transmitted from the call-connected auto answering server (or terminal) through the payment-related voice message information (or interface output signal) stored in the memory unit; And the confirmed payment related voicement (or interface output signal) to the screen output means. Outputting an associated payment / transaction interface and transmitting payment / transaction information—including card information and one or more payment amounts— input through the payment / transaction interface to the server 2 on the communication network for payment processing; It is to provide a screen response payment conversion processing method including.

The method for converting and processing an automatic response payment of a voice call terminal having a voice call function, a screen output means, and a key input means into screen response payment according to the present invention includes a payment for converting the automatic response payment into a screen response payment. Storing the transaction information and / or transaction interface information and voice-related voicement information (or interface output signal) matched with a specific payment / transaction interface and storing them in a memory unit, and when the call is connected to the voice call terminal, Confirming payment related voice cement (or interface output signal) transmitted from the call-connected answering machine (or terminal) through payment related voice cement information (or interface output signal); Outputs payment / transaction interface associated with payment-related voice announcements (or interface output signals). And the step of transmitting the payment / transaction information input through the payment / transaction interface, including card information and one or more payment amounts, to the server 2 on the communication network for payment processing.

Screen response payment conversion processing method according to the present invention, the screen response payment / notifying that the call to the automatic response server (or terminal) connected to the call to process the voice call-based automatic response payment / transaction by switching to the screen response payment / transaction The method may further include transmitting a transaction start signal.

In the method for screen response payment switching processing according to the present invention, the server 2 on the communication network relays an automatic answering server (or a terminal), a financial company server, a financial company server, and a financial company server to which a call is connected with the voice call terminal. Characterized in that it comprises one or more relay server.

On the other hand, the voice call terminal having a voice call function, a screen output means and a key input means according to the present invention, the payment / transaction interface information for converting the automatic response payment to the screen response payment, a specific payment / transaction interface and The memory unit is configured to store matching payment related voicement information (or interface output signal) and the voice connection information stored in the memory unit when the call is connected to the voice call terminal. An interface output confirmation unit for confirming a payment-related voice message (or an interface output signal) transmitted from a call-connected answering machine (or terminal); Interface output unit for outputting the associated payment / transaction interface and the payment / transaction person And an information processing unit which transmits payment / transaction information input through the interface, including card information and one or more payment amounts, to the server 2 on the communication network for payment processing.

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 150 having a security module for controlling non-face-to-face payment / transaction using the ATM (including at least one automatic teller machine) function, and to the VoIP terminal 150. In the VoIP subscription process, if the subscription processing terminal 145 provides VoIP subscription information including at least one of customer information, VoIP terminal 150 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 VoI. After providing to the P terminal 150, by further linking the virtual financial terminal activation information to the virtual financial terminal D / B 135, and stored in the virtual financial terminal D / B 135, the VoIP terminal 150 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 145 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 150 to the VoIP terminal 150, the virtual financial terminal D / B (135) by further connecting the virtual financial terminal activation information to 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 145 connected to a communication network, customer information transmitted from the subscription processing terminal 145 and a VoIP terminal ( 150) 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 145 through a communication network, receives the VoIP subscription information transmitted through the communication network and stores in the virtual financial terminal D / B 135, corresponding to the security module information It is characterized in that it comprises a VoIp subscription server 100 to further store the virtual financial terminal activation information for the security module in the virtual financial terminal D / B (135).

The subscription processing terminal 145 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 including at least one wired terminal including a desktop computer or a notebook computer communicating with the VoIp subscription server 100 through a connection, 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 the embodiment of the present invention, the subscription processing terminal 145 inputs (or at least one VoIP subscription information including at least one customer information, VoIP terminal 150 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 150 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 145 corresponding to at least one wired terminal or a wireless terminal, and thus the detailed description thereof is provided for convenience. Omit.

When the subscription processing terminal 145 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 145 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 converting the voice call-based automatic response payment into a screen response payment and processes the customer information transmitted from the subscription processing terminal 145; And stores the VoIP subscription information including at least one VoIP terminal 150 information and security module information, and further stores the virtual financial terminal activation information for 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 150 provided with the card reader and the security module, and requests the VoIP subscription to the VoIP terminal 150. It is preferable to comprise).

The VoIP terminal 150 information is identification information assigned to the VoIP terminal 150 by a VoIP provider to identify the VoIP terminal 150 that is requested to be subscribed among the plurality of VoIP terminals 150. It is preferable that the VoIP terminal 150 includes a telephone number, and other identification information (for example, an ESN or a serial number, or an IP address, the VoIP terminal 150) in addition to the VoIP terminal 150 telephone number according to the intention of a 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 150, 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 150 and the VoIP terminal 150 is recognized as a virtual financial terminal (for example, CD / ATM (Cash Dispenser / Automatic Teller Machine)) and Information to be processed to operate, including one or more 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.

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 an embodiment of the present invention, the VoIp subscription server 100 establishes a communication channel with the subscription processing terminal 145 through the communication network in order to provide a web interface corresponding to the communication network with the subscription processing terminal 145. And an interface unit 105 for connection and management, whereby the VoIp subscription server 100 is connected to the subscription processing terminal 145 with a wired communication network or a wireless communication network. With functions.

According to an embodiment of the present invention, when the subscription processing terminal 145 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 145. A communication channel is connected based on the HTTP (Hyper-Text Transfer Protocol) protocol, and the interface screen in the form of a Hyper-Text Markup Language (HTML) compatible document is transmitted to the subscription processing terminal 145 through the communication channel. In addition, 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 145.

According to another exemplary embodiment of the present invention, when the subscription processing terminal 145 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 145 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 145 through the communication channel It is preferable to perform the function of transmitting and outputting the data, and receiving and processing VoIP subscription information corresponding to the interface screen from the subscription processing terminal 145.

According to another exemplary embodiment of the present invention, when the subscription processing terminal 145 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 145. ) 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 145 through the communication channel, from the subscription processing terminal 145. 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 145 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 a communication channel with the subscription processing terminal 145 based on a wireless protocol corresponding to the IEEE 802.11x standard. To transfer the board through the interface screen to the join processing terminal 145 to the output, and performs processing from the subscriber terminal 145, a function of receiving the VoIP processing 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 subscription information registration. In connection with 105, the subscription processing terminal 145 generates (or selects) an interface screen for inputting (or selecting) and transmitting VoIP subscription information including at least one of customer information, VoIP terminal 150 information, and security module information. Receives (or extracts) the VoIP subscription information inputted (or selected) through the interface screen from the interface providing unit 110 and the interface processing unit 105 and the interface processing unit 105 through the interface screen. 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 145 is connected to the VoIp subscription server 100 through the interface unit 105, the functional configuration (eg, subscription) provided in the subscription processing terminal 145 In response to the browser program included in the processing terminal 145, the user can input (or select) VoIP subscription information and 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 145 through the communication network.

Thereafter, the subscription processing terminal 145 inputs (or selects) VoIP subscription information including at least one of customer information, VoIP terminal 150 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 145 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 the VoIP terminal 150 information and at least one form form included in the interface screen in the subscription processing terminal 145 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 at the subscription processing terminal 145 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 150 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. It is provided with an information transmitting unit 130 for transmitting to the VoIP terminal 150 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) It is characterized by.

When VoIP subscription information including at least one of the customer information, the VoIP terminal 150 information, and the security module information is received through the information receiver 115, the information generator 120 is included in the VoIP subscription information. Based on the security module information, the virtual financial terminal activation information for the security module provided in the VoIP terminal 150 is generated.

Herein, the virtual financial terminal activation information is information for processing the VoIP terminal 150 to operate as a virtual financial terminal (eg, CD / ATM) by activating a security module provided in the VoIP terminal 150. 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, which 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 150 corresponding to the VoIP terminal 150 information through a communication network. By transmitting activation information, when the VoIP terminal 150 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 transmitter 130 corresponds to the VoIP terminal 150 corresponding to the VoIP terminal 150 information through the VoIP server 140 connected to the VoIP terminal 150 and the VoIP communication channel. ) By transmitting the virtual financial terminal activation information to the VoIP terminal 150 when the voice call-based automatic response payment / transaction is converted to a screen response payment / transaction, 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 150 converts the voice call-based automatic response payment / transaction into the screen response payment / transaction in the VoIP terminal 150 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.

In more detail, in FIG. 2, the subscriber processing terminal 145 on the VoIP subscription information registration system shown in FIG. 1 is connected to the VoIp subscription server 100 through the communication network, and the customer information, the VoIP terminal 150 information, and the security module information. 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 150, 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, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing to infer various implementation methods for the VoIP subscription process. And, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 2.

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 145 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 connect the communication channel for the VoIP subscription by accessing the server according to a communication protocol corresponding to the communication network through a browser program corresponding to the communication network. Since you will be familiar with the technical features, 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 150 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 150 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) in the terminal (225), the terminal includes at least one of the customer information, VoIP terminal 150 information and 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 150 based on the security module information included in the VoIP subscription information (240).

Thereafter, by transmitting the virtual financial terminal activation information to the VoIP terminal 150 corresponding to the VoIP terminal 150 information, the voice call-based automatic response payment / transaction is transferred from the VoIP terminal 150 to the screen response payment / transaction. When converting 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 150 is processed such that the non-face-to-face payment / transaction function of the security module is activated through the virtual financial terminal activation information (250), the server transmits 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.

3 is a diagram illustrating a functional configuration of the VoIP terminal 300 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. 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, CD (Cash Dispenser), ATM (at least one Automatic Teller Machine)) function, The payment / transaction interface corresponding to the payment-related voice message (or interface output signal) by recognizing and reading the payment-related voice message (or interface output signal) transmitted from the answering machine connected to the VoIP terminal 300 and the voice call channel. The present invention relates to an implementation method of converting the voice call-based automatic response payment / transaction into a screen response payment / transaction and processing the output.

Those skilled in the art to which the present invention pertains, various non-face-to-face financing, in addition to the function of converting and processing the voice call-based automatic answering payment to the screen response payment / transaction by referring to and / or modifying the drawing 3 Various additional function configurations can be further inferred for the VoIP terminal 300 having a transaction function, and the voice call-based automatic is performed in another voice call terminal (eg, a landline phone, a mobile phone, etc.) in addition to the VoIP terminal 300. It may be further inferred to implement a method for providing a function to convert the response payment / transaction to the screen response payment / transaction, but the present invention includes all the implementation methods inferred, as shown in Figure 3 The technical features are not limited only by the implementation method.

Referring to FIG. 3, the VoIP terminal 300 for converting and processing the voice call-based automatic response payment / transaction into a screen response payment / transaction basically includes a control unit 303, a memory unit 315, and a card reader unit ( 305, a key 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 gateway 380 (or gatekeeper 385) is connected to the VoIP communication channel (or voice call channel) through the communication network connected to the VoIP terminal 300, or on the communication network connected to the VoIP terminal 300. Connect a financial company server 367 (or communication relay server 370) and a communication channel for virtual CD / ATM-based financial transactions (or payments) through the VoIP, and the financial company server 367 (or payment relay) on a communication network. Server (375)) and voice call-based autoresponder payment / transaction And a communication processing unit 317 for connecting a communication channel for processing by switching to a second / transaction, and may further include at least one terminal function unit (not shown) according to the intention of those skilled in the art. Do. If the voice call terminal 390 that converts the voice call-based automatic answering payment / transaction into a screen response payment / transaction is a wired telephone, the communication processing unit 317 is a communication channel (or voice call) with an exchange on a wired telephone network. Channel), or if the voice call terminal 390 converts and processes the voice call-based auto-answer payment / transaction into a screen-answer payment / transaction is a mobile phone, the communication processing unit 317 is connected to the mobile communication network. It is clear that it is possible to connect a communication channel (or voice call channel) with a radio exchange, and the present invention encompasses all such inferred implementations.

The control unit 303 controls the overall operation of the VoIP terminal 300 in terms of function configuration, manages the flow of information or data between each component, and converts the voice call-based automatic response payment / transaction into a screen response payment / transaction. Characterized in that interlocking and controlling at least one or more components provided in the VoIP terminal 300 in order to switch and process, at least one hardware (Central Processing Unit) / MPU (Micro Processing Unit) The processor and the execution memory (for example, register or RAM (Random Access Memory)) and a bus (BUS) for inputting and outputting predetermined data, characterized in that it is software-specific features specific to the VoIP terminal 300 A predetermined program which is loaded from the predetermined recording medium into the execution memory to perform the processing by the processor A program recorded on a recording medium provided in the VoIP terminal 300 to process and convert a voice call-based automatic answering payment / transaction into a screen response payment / transaction, including a routine or program data, or Among the functional components provided in the VoIP terminal 300, the components that can be processed by software are shown in the controller 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 the management, in order to control the voice call-based automatic response payment / transaction by switching to the screen response payment / transaction to control the components provided in the VoIP terminal 300, or the voice call-based automatic In order to convert the response payment / transaction into the screen response payment / transaction, it is preferable to execute a program recorded in the recording medium provided in the VoIP terminal 300.

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 exemplary embodiment of the present invention, the memory unit 315 may convert the voice call-based automatic response payment / transaction into a screen response payment / transaction to process the financial company server 367 (or the communication relay server 370). In the preferably stored the security module 323 information for confirming the security module 323 provided in the VoIP terminal 300.

According to the implementation method of the present invention, the memory unit 315 for a virtual CD / ATM-based financial transaction (or payment) for processing by converting the voice call-based automatic response payment / transaction to the screen response payment / transaction, Card information reading interface information for outputting the card information reading interface for reading card information (or account information) from the customer card through the card reader unit 305 in connection with the screen output unit 307, the key input unit 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 item through the screen output unit 307 through 310. Preferably, the virtual financial terminal for inputting the authentication information for processing the VoIP terminal 300 to be authenticated as a virtual financial terminal It is to increase the interface associated with the display output unit 307 further stores the virtual financial terminal authentication information to the output interface 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 exemplary embodiment of the present invention, the memory unit 315 converts the voice call-based automatic response payment / transaction into a screen response payment / transaction to input / receive payment / transaction information (or confirmation) for payment / transaction. It is preferable to store payment / transaction information input interface information for outputting an information input interface in association with the screen output unit 307.

According to an exemplary embodiment of the present invention, the memory unit 315 converts the voice call-based automatic response payment / transaction into a screen response payment / transaction to process payment related voicement information associated with a payment / transaction interface. Or to store the interface output signal.

Here, the payment-related voicement information is output in a process of converting and processing the voice call-based automatic response payment / transaction into a screen response payment / transaction among various voicements transmitted from the voice call-based autoresponder server 395. It is preferable that the message information includes a comment information for recognizing a voice message matching a specific interface screen (eg, card information reading interface, payment / transaction item selection interface, payment / transaction information input interface, etc.).

For example, in order to output the card information reading interface for the screen response payment / transaction, the payment-related voice comment information may include comment information such as “card”, “card number”, “credit card”, etc. In order to output the payment / transaction information input interface for the screen response payment / transaction, the payment-related voice-ment information includes a comment such as “amount”, “payment amount”, “payment amount”, “charge amount”, “charge amount”, and the like. It is preferable to include information.

Alternatively, the interface output signal may include the voice call among various signals transmitted from the voice call-based auto answering server 395 (for example, data transmitted through a data communication channel or a signal sound transmitted through a voice call channel). Matching with a specific interface screen (e.g., card information reading interface, payment / transaction item selection interface, payment / transaction information input interface, etc.) that is output in the process of converting the automatic response payment / transaction to screen response payment / transaction It is preferable to include signal information for detecting / recognizing a signal to be generated.

According to an exemplary embodiment of the present invention, the interface output signal may include an interface output signal transmitted and received through a voice call channel connected between the VoIP terminal 300 and the auto answering server 395. The interface output tone may be matched with one or more interface information stored in the memory unit 315.

According to another exemplary embodiment of the present invention, when a data communication channel is added between the VoIP terminal 300 and the auto answering server 395 in addition to the voice call channel, the interface output signal is connected to the VoIP terminal 300. It is preferable to include the interface identifier data transmitted and received through the data communication channel connected between the automatic response server 395, the interface identifier data is preferably matched with one or more interface information stored in the memory unit 315 .

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 interface output macro information. It is preferable to comprise at least one.

In particular, a payment / transaction interface (eg, payment / transaction information input interface) for converting and processing the voice call-based automatic response payment / transaction into a screen response payment / transaction is provided through the key input unit 310. In addition to an interface for inputting information (e.g., payment amount (or transaction amount), password, etc.), payment / transaction information (e.g., payment amount (or transaction amount)) may be obtained from the voice call-based automatic answering system in a complex frequency encoding manner. Receiving and recognizing and automatically inputting (or outputting) processing or receiving / receiving payment / transaction information (for example, payment amount (or transaction amount)) through a data communication channel defined in the communication network and automatically inputting (or outputting) processing It is preferable to further comprise a function.

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 data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) It is characterized in that the interface 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 converts the voice call-based automatic response payment / transaction into a screen response payment / transaction to process the card from the customer card through the card reader unit 305. It is preferable to read one or more information (eg, cash card information, debit card information, check card information) associated with a customer account, account information (eg, real account number, virtual account number, online account number) or electronic bank account information. Do. 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, the card information, the account information, or the electronic bank account information is collectively referred to. It is 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. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to the exemplary embodiment of the present invention, the key input unit 310 converts the voice call-based automatic response payment / transaction into a screen response payment / transaction to process the voice call-based automatic response payment from at least one key input device. It is preferable to perform the function of the key input means for receiving at least one or more key data required in the process of switching / transaction to screen response payment / transaction.

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 (eg, voice communication mode and data communication mode) including the voice call mode and the data communication mode simultaneously for switching to or processing the voice call-based auto-answer payment / transaction by screen response payment / transaction. And a hot key or a virtual financial terminal function menu key for switching to the operation mode to which the voice call mode is added to the data communication mode.

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 converts the voice call-based automatic response payment / transaction into a screen response payment / transaction by processing the voice call-based automatic response payment to the screen output device. It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the / transaction to the screen response payment / transaction and the payment / transaction step.

The sound processor 313 is a functional component that processes input / 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 encoded Decodes sound data (or voice data) and outputs them to a speaker provided in the VoIP terminal 300, or encodes 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. , Various web servers, VoIP management server, financial institution server 367, communication relay server 370, payment relay server 375, etc.) or VoIP-based data communication channel, or the voice call-based automatic answering payment / It is characterized by connecting multiple communication channels connecting multiple VoIP-based voice call channels and VoIP-based data communication channels in order to convert the transaction into 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 includes a voice related protocol stack of the VoIP communication protocol.

When the VoIP terminal 300 processes the screen response payment / transaction by using the virtual financial terminal function of the VoIP terminal 300, the security module 323 requests in the process of performing the virtual financial terminal function. Security requirements, including confidentiality or authentication or integrity or integrity or nonrepudiation, are secured in the VoIP terminal 300 without using an authentication server (not shown) on the communication network. As a safety device for performing a reliable and reliable structure, the VoIP terminal 300 encrypts or decrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function, and forgery of the message ( Or add an authenticator to prevent tampering, or store important information in the process of performing the security request function. And that is characterized.

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. A voice call control unit 327 for connecting a voice call channel through a call connection for the call, and a call terminal 390 or an auto answering server connected to the voice call channel in connection with the memory unit 315 when the voice call channel is connected. An interface output confirmation unit 330 for confirming whether a payment-related voicement including the payment-related voicement information is transmitted or confirming whether a signal corresponding to the interface output signal is transmitted from 395 and the interface output confirmation; When the payment-related voicement information (or the interface output signal) is confirmed by the unit 330, the payment-related voicement information (or the interface output signal) is compared. And an interface output unit 355 for outputting a payment / transaction interface. When the screen response payment / transaction is processed through a virtual financial terminal function provided in the VoIP terminal 300, And a payment / transaction mode switching unit 333 for switching the payment / transaction mode to process the screen response payment / transaction through the virtual financial terminal function. The output unit 355 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 VoIP terminal 300 in the form of a video response service (VRS) module. Is preferably provided).

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.

Or, if 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 control unit ( 327 is connected to the gateway 380 (or gatekeeper 385) through the voice call module 320 provided in the communication processor 317 to the phone number according to the voice related protocol stack of the VoIP communication protocol. Performing a call connection procedure for connecting a voice call channel with a corresponding calling party 390 (e.g., a landline, a wireless telephone, a mobile phone, a VoIP terminal) or an answering machine 395; 390 or the automatic answering server 395 and a voice call channel are connected.

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 controller 327, the interface output checking unit 330 checks one or more payment related voicement information in association with the memory unit 315, and Recognizes and reads the voice message sent from the call terminal 390 or the auto answering server 395 to which the voice call channel is connected, and checks whether the voice message includes a payment related voice message including the payment related voice message information. Characterized in that.

According to the exemplary embodiment of the present invention, the voicement recognition may be selectively operated only when the voice call channel is connected to the auto-response server 395 corresponding to the preset specific payment / transaction target auto-answer phone number. To this end, the memory unit 315 preferably stores one or more payment / transaction target autoresponder phone numbers (not shown).

Alternatively, the interface output checker 330 checks one or more interface output signals in association with the memory unit 315, and the call terminal 390 or the answering machine 395 through the voice call channel or data channel. Check whether the interface output signal is transmitted (or transmitted).

According to an exemplary embodiment of the present invention, the interface output signal reception may be selectively performed only when a voice call channel is connected to an auto answer server 395 corresponding to a specific payment / transaction target auto answer phone number. To this end, the memory unit 315 preferably stores one or more payment / transaction target autoresponder phone numbers (not shown).

If the payment related voice announcement (or interface output signal) is confirmed by the interface output confirmation unit 330, the interface output unit 355 corresponds to the payment related voice comment information (or the interface output signal). It is characterized in that for outputting a payment / transaction interface (for example, card information reading interface, payment / transaction item selection interface, payment / transaction information input interface, etc.).

If the screen response payment / transaction is processed through the virtual financial terminal function provided in the VoIP terminal 300, the payment / transaction mode switching unit 333 performs the virtual financial terminal function to the screen response payment / transaction Characterized in that the payment / transaction mode switching to process through, and when the payment / transaction mode is switched, the VoIP terminal 300 performs a procedure for activating the virtual financial terminal function (already the virtual financial terminal function is activated) If omitted).

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.

When the payment related voice comment (or the interface output signal) is confirmed by the interface output confirmation unit 330, or the voice call-based automatic response payment / transaction is performed by the payment / transaction mode switching unit 333. After switching to a transaction, the signal transmission unit 335 converts the voice call-based automatic response payment / transaction into a screen response payment / transaction and processes the screen response payment / notification to notify the automatic response server 395. A transaction start signal is generated, and the screen response payment / transaction start signal is transmitted to the automatic response server 395 to which the voice call channel is connected through the communication processor 317.

Here, the screen response payment / transaction start signal, the VoIP terminal 300 to notify the automatic response server 395 to switch the voice call-based automatic response payment to the screen response payment to initiate the payment / transaction. And a payment / transaction start signal and a telephone number assigned to the VoIP terminal 300. When the screen response payment / transaction start signal is transmitted after the virtual financial terminal function is activated, the 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, when the VoIP terminal 300 is set to process the screen response payment / transaction through a virtual financial terminal function by the payment / transaction mode switching unit 333, a virtual financial terminal program When the virtual CD / ATM-based financial transaction (or payment) function is executed through the VoIP by starting a virtual machine (for example, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 300), When the VoIP terminal 300 checks whether the VoIP based voice call channel is connected and checks the VoIP based voice call channel, the virtual CD / ATM based financial transaction (or payment) is maintained while maintaining the VoIP based voice call channel. Communication channel (= data communication channel) between the VoIP terminal 300 and the financial institution server 367 (or the communication relay server 370) and the VoIP terminal ( 300) and financial companies And a communication channel switching unit 337 for switching to a multiple communication channel further connecting a communication channel between the server 367 (or the payment relay server 375), and the communication channel switching unit 337 Converts a voice call-based auto-answer payment / transaction into a screen-response payment / transaction and processes the VoIP call between the VoIP terminal 300 and the financial company server 367 (or the communication relay server 370) in the VoIP-based voice call channel. The VoIP terminal 300 and the financial company server 367 (or the payment relay server 375) may be connected to the VoIP terminal 300 in a state in which a secure communication channel is further connected (or a virtual CD / ATM function is authenticated). A multi-channel communication channel including a communication channel between the communication channels and the communication channel switching unit 337 converts the voice call-based automatic response payment / transaction into a screen response payment / transaction. To the VoIP terminal 300 It is preferred to be provided.

When the screen response payment / transaction is set by the payment / transaction mode switching unit 333 to process the virtual financial terminal function, the communication channel switching unit 337 determines that the VoIP terminal 300 is VoIP-based voice. It is characterized in that the call channel is connected.

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). A first channel to which a 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) is connected. Communication between the VoIP terminal 300 and the financial institution server 367 (or the communication relay server 370) between the VoIP terminal 300 and the financial institution server 367 (or the payment relay server 375) in a multiple communication channel state. And switching to a second multiple communication channel state of switching (or connecting) to a channel.

If the communication channel is switched before setting the screen response payment / transaction by the payment / transaction mode switching unit 333 to process the virtual financial terminal function, the communication channel switching unit 337. The switching of the communication channel may be omitted, and the present invention is not limited thereto.

Referring to FIG. 3, when the virtual financial terminal program is activated, the VoIP terminal 300 switches the communication channel switching unit 337 to convert and process the voice call-based automatic response payment / transaction into a screen response payment / transaction. The VoIP terminal 300 information and the VoIP terminal 300 are provided to the financial institution server 367 (or the communication relay server 370) through the data communication channel of the multiple communication channels switched (or connected). The information transmission unit 340 for transmitting the security module 323 information corresponding to the security module 323, and 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 security module 323 information and the VoIP terminal 300 information.

In order to convert the voice call-based automatic response payment / transaction into a screen response payment / transaction by processing the communication channel switching unit 337 to the financial company server 367 (or the communication relay server 370) of the multiple communication channels. When the data communication channel is connected, the information transmission unit 340 is connected to the memory unit 315, the VoIP terminal 300 information (not shown) and the security module 323 provided in the VoIP terminal 300 Check the security module 323 information corresponding to the), and transmits the confirmed VoIP terminal 300 information and security module 323 information to the financial institution server 367 (or communication relay server 370). It features.

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 when the authentication is confirmed, the The virtual financial terminal activation information is transmitted to the VoIP terminal 300 through the data communication channel of the multiple 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, encryption / decryption based end-to-end connection 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 you will be familiar with the technical features of the secure communication channel, a 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. In 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, payment / transaction item selection interface) corresponding to a non-face-to-face financial transaction control procedure and an automatic response payment procedure corresponding to the payment related voice comment (or interface output signal); An interface output unit 355 for outputting payment / transaction information input interface, etc.), and the card information reading interface is output by the interface output unit 355, from the customer card through the card reader 305. An information reading unit 360 for reading information (or account information), and a password input processing through the key input unit 310, and the payment / transaction item by the interface output unit 355. When the selection interface is output, the payment / transaction item selection information is input through the key input unit 310, and when the payment / transaction information input interface is output, the payment / transaction information is input via the key input unit 310. An information input unit 357 for inputting and processing payment / transaction information corresponding to an interface, the read card information (or account information), payment / transaction item selection information, and payment / transaction information corresponding to the selected payment / transaction information; The generated payment / to the financial company server 367 through the full-text generation unit 363 for generating a full text payment / transaction request, and the end-to-end secure communication channel corresponding to the data communication channel of the multiple communication channel; And an information processing unit 365 for transmitting a transaction request text and processing a non-face-to-face financial transaction corresponding to the virtual CD / ATM based payment / transaction. Characterized in that, the screen in conjunction with the interface output unit 355 in accordance with the non-face-to-face financial transaction control procedure of the security module 323 and the automatic response payment procedure corresponding to the payment-related voice message (or interface output signal). The control unit outputs a payment / transaction interface to the output unit 307, and the card information (or account information) through the card reader unit 305 based on the non-face-to-face financial transaction interface in connection with the information reading unit 360. Control to read and control to input payment / transaction item selection information and one or more payment / transaction information corresponding to the selected payment / transaction through the key input unit 310 in association with the information input unit 357. , The linked card information (or account information), payment / transaction item selection information, and payment / transaction information corresponding to the payment / transaction in association with the full text generation unit 363. Control to generate a full text payment / transaction request including one or more, and generate the full text payment / transaction request through an end-to-end secure communication channel corresponding to the data communication channel of the multiple communication channel in connection with the information processor 365; Virtual financial terminal control unit 345 which controls the non-face-to-face financial transactions (e.g., credit card payment, check card payment, account linkage payment, account transfer, etc.) corresponding to the payment / transaction by transmitting to the financial company server 367. It is characterized by comprising a).

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 the processing. It is preferable that 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. Enter card information reading interface, payment / transaction item selection interface, and payment / transaction information according to the non-face-to-face financial transaction control procedure of the security module 323 and the auto-response payment procedure corresponding to the payment-related voice message (or interface output signal). And outputting interfaces in a predetermined order, wherein each interface outputting step includes the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function of the security module 323 through the virtual financial terminal control unit 345. It is desirable to authenticate based on this.

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 related voicement (or interface) Outputting the card information reading interface according to an automatic response payment procedure corresponding to an output signal), and then outputting the payment / transaction item selection interface and sequentially outputting the payment / transaction information input interface according to the payment / transaction. desirable.

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 voice related to payment (or interface) Outputting the payment / transaction item selection interface according to an automatic response payment procedure corresponding to an output signal), and then sequentially outputting the payment / transaction information input interface and the card information reading interface according to the payment / transaction. .

According to a third exemplary 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 related voice cement (or interface). After outputting the card information reading interface and the payment / transaction item selection interface according to the automatic response payment procedure corresponding to the output signal), it is preferable to sequentially output the payment / transaction information input interface according to the payment / transaction. .

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 voice related to payment (or interface) After outputting the card information reading interface and the payment / transaction item selection interface according to the automatic response payment procedure corresponding to the output signal), it is preferable to sequentially output the payment / transaction information input interface according to the payment / transaction. .

Those skilled in the art to which the present invention pertains include 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 related voicement in addition to the interface output method described above. The card information reading interface, the payment / transaction item selection interface, and the payment / transaction information input interface are sequentially (or two or more interfaces are integrated into one screen output means) according to an automatic response payment procedure corresponding to (or an interface output signal). It will be able to infer various implementation methods to output, the present invention is characterized in that it comprises all the implementation methods inferred.

The interface output unit 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 corresponding to the payment related voice message (or interface output signal). When the card information reading interface is output through 355, the information reading unit 360 is based on the non-face-to-face financial transaction control of the security module 323 through the virtual financial terminal control unit 345. Through 305, the card information (or account information) is read 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 information) ) Includes authenticating 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 make it.

Or outputting the interface 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 corresponding to the payment related voice message (or interface output signal). When the password input interface is output through the unit 355, the information input unit 357 is a non-face-to-face based on the non-face-to-face financial transaction control of the security module 323 through the virtual financial terminal controller 345. The PIN information (or card password) is input through the key input unit 310 according to a financial transaction procedure (eg, CD / ATM-based financial transaction procedure).

When the password is input through the information input unit 357, the virtual financial terminal control unit 345 is input 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 PIN information (or card password), wherein the validity authentication of the PIN information (or card password), the PIN information (or card password) is the preset PIN information (or card password) It is desirable to include verifying that the system is included.

Or outputting the interface 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 corresponding to the payment related voice message (or interface output signal). When the payment / transaction item selection interface is output through the unit 355, the information input unit 357 is 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 non-face-to-face financial transaction procedure (eg, 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.

Or outputting the interface 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 corresponding to the payment related voice message (or interface output signal). When the payment / transaction information input interface is output through the unit 355, the information input unit 357 inputs and processes payment / transaction information corresponding to the payment / transaction information input interface through the key input unit 310. It is characterized in that, some of the payment / transaction information is preferably automatically input (or output).

According to an embodiment of the present invention, when the automatic response server 395 transmits a part of payment / transaction information (for example, payment / transaction amount) in a complex frequency code method, the information input unit 357 may respond to the automatic response. It is preferable to check and confirm payment / transaction information by receiving and recognizing a complex frequency code transmitted from the server 395 and to automatically input (or output) the confirmed payment / transaction information to the payment / transaction information input interface.

According to another exemplary embodiment of the present invention, when the automatic answering server 395 transmits a part of payment / transaction information (eg, payment / transaction amount) through a data communication channel associated with the voice call channel, The information input unit 357 preferably receives payment / transaction information transmitted from the auto-response server 395 and automatically inputs (or outputs) the payment / transaction information input interface.

According to another exemplary embodiment of the present invention, the automatic answering server 395 and the financial institution server 367, the communication relay server 370, and the payment relay server 375 in cooperation with any one of the server, the automatic answering server In operation 395, when the payment / transaction information is provided to any one of the financial institution server 367, the communication relay server 370, and the payment relay server 375, the information input unit 357 is connected to the financial company server ( 367), and receives the payment / transaction information transmitted through the data communication channel connected to any one of the communication relay server 370, the payment relay server 375 automatically input (or output) to the payment / transaction information input interface Is preferred.

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 validity authentication for the payment / transaction information, the payment / transaction information is each payment / transaction type and each payment related voice message (or interface output signal It is preferable to include authenticating whether or not to include valid information for each).

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-related voice message (or interface output signal) 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 transaction information is input, the full text generation unit 363 is a 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 (eg CD / Generating a full payment / transaction request message including at least one 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 features.

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 The generated payment / transaction request message to the financial company server 367 through the 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 transaction 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 message to the financial company server 367, 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 395 for payment / transaction to the auto-response server 395 according to a complex frequency code method, the conventional auto-response payment / transaction procedure in the auto-response server 395 It is possible to process the automatic response payment according to, in this case, the VoIP terminal 300 is a screen for outputting the payment / transaction interface corresponding to the voice call-based automatic response payment / transaction through the interface output unit 355 It provides a 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 the payment-related voice message (or interface output signal) in a state in which a voice call channel is connected to an auto-response server that provides auto-answer payment / transaction in the VoIP terminal 495 shown in FIG. In the case where the voice call-based automatic response payment / transaction for the automatic response server is converted into a screen response payment / transaction, the financial company server 435 (or the communication relay server 400) is processed by the VoIP terminal 495. After authenticating a virtual financial terminal (eg, including at least one CD (Cash Dispenser) and ATM (Automatic Teller Machine)) function, and then based on the voice call based on the virtual CD / ATM based payment / transaction function through the VoIP As a system configuration for converting an automatic response payment / transaction into a screen response payment / transaction and processing it, a person having ordinary knowledge in the technical field to which the present invention belongs may refer to FIG. Although it is possible to infer a variety of implementation method for the payment / transaction system configuration by converting the voice call-based automatic response payment / transaction to the screen response payment / transaction by transforming, the present invention is all inferred implementation method It is not limited to the implementation method shown in FIG.

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 470 that provides a function of converting and processing a voice call-based automatic response payment / transaction into a screen response payment / transaction.

In FIG. 4, the communication relay server 400, the financial company server 435, and the payment relay server 470 are illustrated as being formed in one server form for convenience, and thus are described as technical features of the present invention. The present invention is not limited thereto, and the communication relay server 400, the financial company server 435, and the payment relay server 470 may be implemented in a single integrated server form, or two or more components may be provided. 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 470 are functional names for converting and processing the voice call-based automatic response payment / transaction into screen response payment / transaction. It is clear that it does not mean the server name. In particular, it will be apparent that the function of the payment relay server 470 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) of the customer who purchases (or receives) the VoIP terminal 495 equipped with the card reader and the security module, and requests a VoIP subscription to the VoIP terminal 495. Information).

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 that is 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 processing information includes one or more verifier (or authenticator) information, authentication key information (or information for generating an authentication key), authentication number, and the like, which are read (or authenticated) by the security module. desirable.

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 by this.

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 an information transmitter 420 (or information transmission 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 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 Figure 4, the financial institution server 435, the payment / transaction including one or more card information (or account information), password, payment / transaction information from the VoIP terminal 495 through the secure communication channel A specialized receiving unit 455 (or a specialized receiving means) for receiving a request message, and a financial transaction processing unit 460 (or financial transaction processing) for processing a financial transaction corresponding to the received payment / transaction request message in association with a financial system; Means) 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 to generate the VoIP terminal 495. Characterized in that it comprises a specialized transmission unit 465 (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 465 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 470 includes a communication channel connection unit 473 (or communication channel connection unit) for connecting the VoIP terminal 495 and an end-to-end secure communication channel based on encryption / decryption; A professional acquiring unit 475 for receiving a payment / transaction request message including one or more card information (or account information), password, and payment / transaction information corresponding to a payment method from the VoIP terminal 495 through the secure communication channel. (Or a specialized receiving means), a payment means checking unit 483 (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 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 493, and if the identified payment method is a direct transfer payment means, the payment target for each card means (or account information), payment amount information, and payment method type for account transfer payment And a payment processing unit 485 (or payment processing means) for generating an account transfer transaction containing 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 message including the payment processing history for the payment approval request full text is received from the bansa server 490, 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 480 (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 473 establishes an end-to-end secure communication channel based on encryption / decryption with the VoIP terminal 495 shown in FIG. It is characterized by connecting.

When the secure communication channel is connected to the VoIP terminal 495 through the communication channel connection unit 473, the full-text acquisition unit 475 may control the non-face-to-face financial transaction control 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 475, the payment means confirmation unit 483 reads card information (or account information) included in the full-text payment / transaction request message, 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 483 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 The card company information (or financial company information) included in the account information is read, and the payment method type corresponding to the card information (or account information) is a card payment means (for example, a credit card or a check card), or a bank transfer payment means. (E.g., cash card, account information, electronic bank account information).

If the payment means type corresponding to the card information (or account information) is confirmed as the card payment means, the payment processing unit 485 may be the card information (or account information), payment amount information, payment method type for card payment. Generate a payment approval request message including payment target information for each processing, and transmit the generated payment approval request message to the card company server 493 corresponding to the card information (or account information) through the bansa server 490. By doing so, through the card company server 493 is characterized in that the card payment corresponding to the full payment approval request processing is approved.

If those skilled in the art to which the present invention pertains, the card company server 493 will be familiar with the technical features for processing the card payment corresponding to the payment approval request full text, detailed description thereof It will be omitted for convenience.

Alternatively, when the type of payment means corresponding to the card information (or account information) is confirmed as a wire transfer payment means, the payment processing unit 485 may be used for the card information (or account information), payment amount information, and account transfer payment. 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 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 470 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 490 or an account transfer result message corresponding to the full transaction transaction is received from the financial company server 435, The specialized processor 480 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 473 preferably releases an end-to-end secure communication channel with the VoIP terminal 495.

5 is a diagram illustrating a process of 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.

In more detail, FIG. 5 illustrates a call terminal 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. Or confirming that the payment related voicement information (or the interface output signal) transmitted (or transmitted) from the automatic response server is recognized / received, and when the payment related voicement information (or the interface output signal) is recognized / received, The process of setting the voice call-based automatic response payment / transaction to the screen response payment / transaction to set up to process, if one of ordinary skill in the art to which the present invention pertains, reference and / or this figure 5 Various implementation methods for the process of transforming and setting the voice call-based automatic response payment / transaction to screen response payment / transaction to process Would be able to infer, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 5.

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). If the voice call channel is connected (500), and if the voice call channel is connected (505), the VoIP terminal 495 is the payment terminal from the call terminal or the answering machine to which the voice call channel is connected. In operation 510, it is determined whether a payment related voicement including related voicement information is transmitted or whether a signal corresponding to the interface output signal is transmitted.

According to an exemplary embodiment of the present invention, the VoIP terminal 495 checks one or more payment related voicement information in association with the memory unit, and voicements transmitted from a call terminal or an automatic answering server to which the voice call channel is connected. It is preferable to check whether the voice announcement includes a payment-related voicement including the payment-related voicement information by recognizing and reading.

Here, the voicement recognition may be selectively operated only when a voice call channel is connected to an auto-response server corresponding to a preset specific payment / transaction target auto-answer phone number. It is preferable to store the transaction target auto answer telephone number (not shown).

Alternatively, the VoIP terminal 495 checks one or more interface output signals in association with the memory unit, and transmits (or transmits) the interface output signals from the call terminal or the auto answering server through the voice call channel or data channel. It is desirable to check

In this case, the interface output signal reception is selectively operated only when a voice call channel is connected to an automatic answering server corresponding to a predetermined specific payment / transaction target automatic answering phone number. It is preferable to store the transaction target auto answer telephone number (not shown).

If the payment-related voice message (or interface output signal) is not recognized / received (515), the VoIP terminal 495 processes a voice call with a call terminal or an auto answering server to which the voice call channel is connected (520). The voice call channel is maintained until the voice call with the call terminal or the auto answering server is terminated (525).

On the other hand, when the payment-related voice message (or interface output signal) is recognized / received (515), the VoIP terminal 495 checks the payment / transaction interface corresponding to the payment-related voice message (or interface output signal) In operation 530, the checked payment / transaction interface is output in operation 535.

If the screen response payment / transaction corresponding to the payment / transaction interface is not processed through the virtual financial terminal function provided in the VoIP terminal 495 (540), the VoIP terminal 495 terminates the voice call channel. Until the payment-related voice message (or interface output signal) is recognized / received, and outputs a payment / transaction interface corresponding to the recognized / received payment-related voice message (or interface output signal). The process of transmitting the card information (or account information) and payment / transaction information input through the interface through the voice call channel through the complex frequency code is repeated (525).

On the contrary, if the screen response payment / transaction corresponding to the payment / transaction interface is processed through the virtual financial terminal function provided in the VoIP terminal 495 (540), the VoIP terminal 495 is connected to the VoIP terminal 495. The operation mode is switched to a payment / transaction mode in which the voice call-based automatic response payment / transaction is converted to a screen response payment / transaction through the virtual financial terminal function and is processed (545), and the automatic answering server to which the voice call channel is connected. In step 535, the screen response payment / transaction start signal is transmitted.

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.

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 affiliated server of any one of the automatic response server, the financial company server 435, the communication relay server 400, the payment relay server 470, 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.

In more detail, in FIG. 6, in the VoIP terminal 495 shown in FIG. 3, an automatic answering server providing the payment / transaction and a voice call channel are connected through the process shown in FIG. Recognizing / receiving a message (or interface output signal) to convert an auto-response payment / transaction for the auto-response server into a screen-response payment / transaction, and process the screen-response payment / transaction through a virtual financial terminal function. If it is determined that the VoIP terminal 495 starts a virtual financial terminal program (for example, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 495), it is shown in FIG. Receiving the virtual financial terminal activation information from the communication relay server 400 by transmitting the VoIP terminal 495 information and security module information to the communication relay server 400, the received After activating the virtual financial terminal function provided in the VoIP terminal 495 through the financial terminal activation information, a secure communication channel between the financial institution server 435 and the end-to-end secure communication channel shown in FIG. 4 is established based on the virtual financial terminal function. As a connection through the above, if the person of ordinary skill in the art to which the present invention pertains, refer to and / or modify the Figure 6 to convert the voice call-based automatic response payment / transaction to the screen response payment / transaction Various implementation methods for the multi-communication channel connection process for processing may be inferred, but the present invention includes all the implementation methods inferred, and the technical features thereof are only shown in the implementation method shown in FIG. It is not limited.

Referring to FIG. 6, the payment / transaction target autoresponder server and the voice call channel are connected to each other through the process illustrated in FIG. When configured to process the VoIP terminal 495, the VoIP terminal 495 starts a virtual financial terminal program (for example, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 495). While maintaining the communication channel, the communication relay server 400 shown in FIG. 4 connects (or switches) multiple communication channels further connecting the data communication channel (600).

If multiple 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 (605), 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 confirmed VoIP terminal 495 information and security module information are transmitted to the communication relay server 400 through a communication channel (610).

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 615, the virtual financial terminal activation information associated with the information and the security module information is checked (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 (620), the communication relay server 400 transmits the virtual financial terminal activation information to the VoIP terminal 495 via the data communication channel of the multiple communication channel (625) 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. In step 630, the virtual financial terminal function of the security module is activated.

If the virtual financial terminal function of the security module is activated (635), 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. An end-to-end secure communication channel based on encryption / decryption is connected (640).

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 exemplary embodiment of the present invention, the VoIP terminal 495 is configured between the VoIP terminal 495 and the financial institution 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 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.

7 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. 7 illustrates a data communication channel between the financial institution server 435 and the multiple communication channel shown in FIG. 4 through the multiple communication channel connection process of FIG. 6 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 is recognized as a virtual financial terminal by referring to and / or modifying the drawing. Various implementation methods for the process may be inferred, but the present invention includes all the implementation methods inferred, and the technical features thereof are shown only in the implementation method shown in FIG. It shall not be limited.

Referring to FIG. 7, the VoIP terminal 495 shown in FIG. 3 connects the secure communication channel with the financial institution server 435 shown in FIG. 4 through a multiple communication channel connection process in FIG. 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). If the PIN information for the security module) is input (700), if authentication information is input through the virtual financial terminal authentication interface (705), 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) 710.

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 (715), 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 the 720.

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 (725).

If the validity of the virtual financial terminal of the VoIP terminal 495 is not authenticated (730), the financial institution server 435 transmits the virtual financial terminal error information to the VoIP terminal 495 through the secure communication channel (735). In step 740, the end-to-end secure communication channel between the VoIP terminal 495 and the financial institution server 435 is released.

On the other hand, if the validity of the virtual financial terminal of the VoIP terminal 495 is authenticated (730), the financial institution server 435 transmits the virtual financial terminal authentication information to the VoIP terminal 495 through the secure communication channel (745). In response, the VoIP terminal 495 activates the virtual financial terminal function of the security module through the virtual financial terminal authentication information (750), and controls the non-face-to-face financial transaction corresponding to the virtual financial terminal function of the security module. According to the virtual financial terminal (for example, virtual CD / ATM) to perform a financial transaction procedure.

In more detail, FIG. 8 is set to convert the voice call-based automatic answering payment to screen responding payment through the process shown in FIG. 5, and the virtual financial terminal recognition process shown in FIG. After the VoIP terminal 495 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 related voice message (or interface output). Showing a process of outputting a payment / transaction interface for screen response payment / transaction according to an automatic response payment procedure corresponding to a signal). Specifically, the card information reading interface is output to read card information (or account information). , The process of entering (or confirming) payment identification information.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to infer various implementation methods for the payment / transaction interface output process for the screen response payment / transaction. The present invention comprises all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 8, the VoIP terminal 495 illustrated in FIG. 3 is set to convert the voice call-based automatic answering payment to the screen response payment through the process illustrated in FIG. 5. ) Is recognized as a virtual financial terminal (e.g., CD / ATM), the VoIP terminal 495 automatically corresponds to the non-face-to-face financial transaction control procedure of the security module and the payment related voice message (or interface output signal). The card information reading interface is output according to the response payment procedure (800).

If the PIN information interface is included in (or associated with) the card information reading interface (805), the VoIP terminal 495 checks whether the PIN information (or card password) is input through the PIN input interface (810). If the PIN information (or card password) is input through the PIN input interface (815), the VoIP terminal 495 is a non-face-to-face financial transaction control procedure of the security module and the payment related voice message (or interface output signal) In step 820, the validity of the PIN information (or the card password) is checked according to the automatic response payment procedure corresponding to

If the validity of the PIN information (or card password) is not verified (825), the VoIP terminal 495 outputs PIN information (or card password) input error information (830), and the PIN information (or card). Repeat the process to enter the password.

On the other hand, if the validity of the PIN information (or card password) is confirmed (825), the VoIP terminal 495 checks the validity of the PIN information (or card password) (820).

If the validity of the PIN information (or card password) is not verified (825), the VoIP terminal 495 outputs the PIN information (or card password) input error information (830), and repeats the above process. .

If the validity of the PIN information (or card password) is confirmed (825), or if the PIN information interface is not included in the card information reading interface (805), the VoIP terminal 495 is a non-security module of the security module. The 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 corresponding to the payment related voice comment (or interface output signal) (835).

If the card information (or account information) is read through the card reader (840), the VoIP terminal 495 is connected to the non-face-to-face financial transaction control procedure of the security module and the payment related voice message (or interface output signal). In operation 845, the validity of the read card information (or account information) is verified according to a corresponding automatic response payment procedure.

If the validity of the read card information (or account information) is not confirmed (850), the VoIP terminal 495 outputs the card information (or account information) reading error information (855), and repeats the above process. do.

On the other hand, if the validity of the read card information (or account information) is confirmed (850), the VoIP terminal 495 performs the process shown in FIG.

In more detail, FIG. 9 is set to convert voice call-based automatic answering payment to screen answering payment through the process shown in FIG. 5, and is shown in FIG. 3 through the virtual financial terminal recognition process shown in FIG. After the VoIP terminal 495 is recognized as a virtual financial terminal (for example, CD / ATM), when the card information (or account information) is read in the VoIP terminal 495 through the process shown in FIG. According to the intention of the person skilled in the art and the automatic response payment procedure, the process of FIG. 8 may be performed after the process of FIG. Enter payment / transaction information through the payment / transaction information input interface according to the automatic response payment procedure corresponding to the payment / transaction request including the card information (or account information) and payment / transaction information. The process of generating a full text and transmitting to the financial company server 435 (or payment relay server 470) shown in Figure 4, if the person of ordinary skill in the art to which the present invention belongs, 9 and / or modified to infer various implementation methods for the payment / transaction information input process for 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.

For example, the process of validating the payment / transaction information shown in FIG. 9 may 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. 9, a voice call-based automatic answering payment is set to a screen responding payment through the process shown in FIG. 5, and the virtual financial terminal recognition process shown in FIG. 7 is shown in FIG. 3. After the VoIP terminal 495 is recognized as a virtual financial terminal (for example, CD / ATM), if card information (or account information) is read in the VoIP terminal 495 through the process shown in FIG. According to the intention and the automatic response payment procedure of the Figure 8 can be performed after), the VoIP terminal 495 is connected to the non-face-to-face financial transaction control procedure and the payment related voice message (or interface output signal) of the security module In operation 900, payment / transaction information is input through the payment / transaction information input interface according to the corresponding automatic response payment procedure.

If the payment / transaction information is input (905), the VoIP terminal 495 verifies the validity by transferring the input payment / transaction information to the automatic response server (910).

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 470 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 (915), the VoIP terminal 495 may complete a payment / transaction request message including one or more of the card information (or account information) and the input payment / transaction information. Create (920).

If the full payment / transaction request is generated (925), the VoIP terminal 495 is the financial institution server 435 (or payment relay) 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 message to the server 470 in full 920, the financial institution server 435 (or payment relay server 470) performs the virtual CD / ATM-based payment of the screen response payment / transaction. Ensure that transactions are handled in accordance with the transaction process.

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.

10 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. 10 is set to convert the voice call-based automatic answering payment into screen responding payment through the process shown in FIG. 5, and the virtual financial terminal recognition process shown in FIG. After the VoIP terminal 495 is recognized as a virtual financial terminal (for example, CD / ATM), when the card information (or account information) is read in the VoIP terminal 495 through the process shown in FIG. According to the intention of the person skilled in the art and the automatic response payment procedure, the process of FIG. 8 may be performed after the process of FIG. According to the automatic response payment procedure corresponding to, enter part of the payment / transaction information through the payment / transaction information input interface, and receive the remaining part from the auto-responder server to automatically enter (or output) After generating the full payment / transaction request including the card information (or account information) and payment / transaction information, and transmits to the financial company server 435 (or payment relay server 470) shown in Figure 4 As one of ordinary skill in the art to which the present invention pertains, various implementation methods for inputting payment / transaction information for the screen response payment / transaction by referring to and / or modifying this drawing 10 Although it can be inferred, 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. 10, a voice call-based automatic answering payment is set to a screen responding payment through the process shown in FIG. 5, and the virtual financial terminal recognition process shown in FIG. After the VoIP terminal 495 is recognized as a virtual financial terminal (for example, CD / ATM), if the card information (or account information) is read in the VoIP terminal 495 through the process shown in FIG. 8 ( According to the intention of the person skilled in the art and the automatic response payment procedure, the process of FIG. 8 may be performed after the procedure of FIG. 8). The payment / transaction information is input through the payment / transaction information input interface according to the automatic response payment procedure corresponding to 1000.

If a part of the payment / transaction information is input (1005), 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 automatic response server. In operation 1010, 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 470 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 470. 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 470 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 (1015), the VoIP terminal 495 determines the card information (or account information) and the inputted payment. Generate a full payment / transaction request including one or more transaction information (1020).

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 a CD / ATM terminal. .

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 to the full text message (470) (1020), the screen response payment / transaction is transferred from the financial institution server 435 (or the payment relay server 470) to virtual CD / ATM-based payment / Ensure that the transaction is handled accordingly.

In more detail, FIG. 11 illustrates a payment / transaction request text including one or more card information (or account information) and payment / transaction information in the VoIP terminal 495 through the process illustrated in FIG. 9 or FIG. 10. And the transmission, the financial company server 435 (or payment relay server 470) 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 figure 11 Although it can be inferred, the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 11, the financial company server 435 or the payment relay server 470 shown in FIG. 4 will be collectively referred to as a “server”.

Referring to FIG. 11, through the process shown in FIG. 9 or FIG. 10, 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 full payment / transaction request message from the VoIP terminal 495 (1100), and checks the card information (or account information) and payment / transaction information from the full payment / transaction request message. In operation 1110, 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 (1115), the server generates a full payment / transaction response message corresponding to the screen response payment / transaction (1120). In step 1125, the generated payment / transaction response message is transmitted to the VoIP terminal 495.

Thereafter, the VoIP terminal 495 receives the payment / transaction response message and outputs the screen (1130), and transmits a screen response payment / transaction completion signal to the auto-responder server (1135).

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 affiliated server of any one of the automatic response server, the financial company server 435, the communication relay server 400, the payment relay server 470, 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, the voice call recognition (or interface output signal detection) automatically converts the voice call-based auto-answer payment / transaction to the screen response payment / transaction to conveniently and automatically listen to the multi-level voicement of complex structure There is an advantage in providing response based payment / transaction.

Claims

Claims [1] A method of converting an automatic answering payment of a voice calling terminal having a voice calling function, a screen output means and a key input means into a screen answering payment, and processing the same.

Storing the memory unit in association with payment / transaction interface information for converting the automatic response payment into screen response payment and payment-related voicement information (or interface output signal) matched with a specific payment / transaction interface;

When a call is connected to the voice call terminal, a payment related voice message (or interface output signal) transmitted from the call answering auto answering server (or terminal) through payment related voice message information (or interface output signal) stored in the memory unit. Confirming;

Outputting a payment / transaction interface associated with the confirmed payment related voice announcement (or interface output signal) to the screen output means; And

Transmitting the payment / transaction information input through the payment / transaction interface, including card information and one or more payment amounts, to the server 2 on the communication network to process the payment; How to handle conversions.

The method of claim 1,

And transmitting a screen response payment / transaction initiation signal notifying the call-based automatic response payment / transaction to a screen response payment / transaction by processing the call to an auto answering server (or terminal) to which the call is connected. Screen response payment conversion processing method characterized by.

The method of claim 1, wherein the server (2) on the communication network,

And at least one relay server (or terminal) connected to the voice call terminal and a call, a financial company server, and at least one relay server for relaying the voice call terminal and the financial company server.

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

A memory unit which stores payment / transaction interface information for converting the automatic response payment into screen response payment and payment-related voicement information (or interface output signal) matched with a specific payment / transaction interface;

When a call is connected to the voice call terminal, a payment related voice message (or interface output signal) transmitted from the call answering auto answering server (or terminal) through payment related voice message information (or interface output signal) stored in the memory unit. Interface output check unit for confirming;

An interface output unit configured to output a payment / transaction interface associated with the confirmed payment related voice comment (or an interface output signal) to the screen output unit; And

And an information processing unit which transmits payment / transaction information, including card information and one or more payment amounts, input through the payment / transaction interface to the server 2 on the communication network to process payment. Device.