KR20100103760A - System and method for providing settlement service by complex terminal with multi-authentication application and recording medium - Google Patents

Abstract

PURPOSE: A system and a method for providing a settlement service by a complex terminal with a multi-authentication application, and a recording medium thereof are provided to supply more powerful security function through the authentication using USIM(Universal Subscriber Identify Module) ID information. CONSTITUTION: A virtual financial terminal information receiving unit(150) activates the function of a virtual financial terminal, and a financial transaction processing unit(165) outputs a financial transaction item selection interface including a settlement service menu through a screen output device. If the settlement service is requested through the outputted payment service menu selection, the financial transaction processing unit transmits the USIM ID information prepared in the financial terminal.

Description

System and Method for Providing Settlement Service by Complex Terminal with Multi-Authentication Application and Recording Medium}

1 is a diagram illustrating a virtual CD / ATM based financial transaction / product settlement system through VoIP according to an embodiment of the present invention.

2 is a diagram illustrating a process of connecting a secure communication channel between a VoIP terminal and a financial institution server according to an embodiment of the present invention.

3 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.

4 is a diagram illustrating a process of deactivating a VoIP communication function of a VoIP terminal according to an embodiment of the present invention.

5 is a diagram illustrating a virtual CD / ATM screen output process for product payment through a VoIP terminal according to an embodiment of the present invention.

6 is a diagram illustrating a card information reading process for payment through a VoIP terminal according to an embodiment of the present invention.

7 is a diagram illustrating a card information transmission process for payment through a VoIP terminal according to an embodiment of the present invention.

8 is a diagram illustrating a product payment process through a VoIP terminal according to an embodiment of the present invention.

<Description of main parts of drawing>

100: VoIP terminal 105: communication relay server

110: interface unit 115: information receiving unit

120: information confirmation unit 125: information transmission unit

130: communication relay unit 135: storage medium

140: financial company server 145: communication channel operation unit

150: virtual financial terminal information receiving unit 155: terminal authentication unit

160: professional receiving unit 165: financial transaction processing unit

170: professional transmission unit 175: payment relay server

180: communication channel connection unit 183: card information receiving unit

185: payment information receiving unit 190: payment request information confirmation unit

193: payment method confirmation unit 195: payment processing unit

196: Merchant Server 197: Bansa Server

198: card company server

The present invention provides a payment service through a terminal having a screen output means and a USIM chip and having a security module for controlling non-face-to-face financial transactions. Transmitting the virtual financial terminal information provided in the security module to the financial institution server through the secure communication channel connected between the terminal and the financial institution server to process the VoIP terminal to be recognized as a virtual financial transaction terminal, and to the server on the communication network. Transmitting security module information and terminal information, receiving virtual financial terminal activation information corresponding to the security module information and terminal information from a server on the communication network to activate a virtual financial terminal function; and a financial terminal provided in the terminal. Function is activated, the financial transaction including a payment service menu through the screen output means Outputting an item selection interface, and when requesting a payment service through the output payment service menu selection, transmitting the USIM unique information provided in the financial terminal to process authentication for using a payment service; The present invention relates to a payment service providing method through a composite terminal having a function.

Due to the development of information and communication technology, various types of financial transaction services are provided, and thus, many people easily access and use financial transaction services conveniently.

However, in the case of the financial transaction service, the home terminal provides the general inquiry service through the terminal first authentication and the card payment service through the PIN authentication when the card payment is actually generated. If there is a problem that can be easily exposed.

An object of the present invention for solving the above problems is, in the system for providing a payment service through a terminal having a screen output means and a USIM chip, and a security module for controlling non-face-to-face financial transactions, the security module of the Under the control of the virtual financial terminal function, the virtual financial terminal information provided in the security module is transmitted to the financial institution server through the secure communication channel connected between the VoIP terminal and the financial institution server so that the VoIP terminal is recognized as the virtual financial transaction terminal. Means for processing, transmitting security module information and terminal information to a server on a communication network, and receiving virtual financial terminal activation information corresponding to the security module information and terminal information from a server on the communication network to activate a virtual financial terminal function. And, the financial terminal function provided in the terminal is activated, and through the screen output means Outputting a financial transaction item selection interface including a payment service menu; and requesting a payment service through the output payment service menu selection, and transmitting USIM unique information provided in the financial terminal to authenticate for using the payment service. The present invention provides a payment service providing system through a multiple terminal having a multi-factor authentication function including a means for processing.

A method for providing a payment service through a terminal having a screen output means and a USIM chip according to the present invention, and a security module for controlling non-face-to-face financial transactions, wherein the VoIP is controlled according to a virtual financial terminal function control of the security module. Transmitting the virtual financial terminal information provided in the security module to the financial institution server through the secure communication channel connected between the terminal and the financial institution server to process the VoIP terminal to be recognized as a virtual financial transaction terminal, and to the server on the communication network. Transmitting security module information and terminal information, receiving virtual financial terminal activation information corresponding to the security module information and terminal information from a server on the communication network to activate a virtual financial terminal function; and a financial terminal provided in the terminal. A financial transaction term is activated and includes a payment service menu through the screen output means. Outputting a neck selection interface and requesting a payment service through the output payment service menu selection, and transmitting the USIM unique information provided in the financial terminal to process authentication for using the payment service. It features.

In accordance with another aspect of the present invention, there is provided a method of providing a payment service through a multiple terminal having a multi-authentication function. It is characterized by comprising.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the method for providing a payment service through a multi- terminal having a multi-authentication function described above.

On the other hand, a system having a screen output means and a USIM chip according to the present invention, and providing a payment service through a terminal having a security module for controlling non-face-to-face financial transactions, according to the control of the virtual financial terminal function of the security module Means for transmitting the virtual financial terminal information provided in the security module to the financial institution server through the secure communication channel connected between the VoIP terminal and the financial institution server to process the VoIP terminal to be recognized as a virtual financial transaction terminal; Means for transmitting security module information and terminal information to a server, receiving virtual financial terminal activation information corresponding to the security module information and terminal information from a server on the communication network, and activating a virtual financial terminal function; A financial terminal function is activated and includes a payment service menu through the screen output means. And a means for outputting a transaction item selection interface, and requesting a payment service through the output payment service menu selection, and transmitting authentication information for using a payment service by transmitting USIM unique information provided in the financial terminal. It is characterized by.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description 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 properly modify the terms so that those skilled in the art to clearly understand the key technical features of the present invention to clearly understand, thereby the present invention This is by no means limited.

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

Hereinafter, in the present invention, the contents of the virtual CD / ATM-based financial transaction / product payment using VoIP to facilitate the description of the present invention, but is not limited to VoIP, all communication channels (for example, wireless communication channels) Etc.)

1 is a diagram illustrating a virtual CD / ATM based financial transaction / product settlement system through VoIP according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates one or more virtual financial terminals (eg, CD (Cash Dispenser) and ATM (Automatic Teller Machine) through the financial institution server 140 (or the communication relay server 105) in the VoIP terminal 100. After the authentication function, to provide one or more virtual CD / ATM-based financial transactions through the virtual financial terminal function of the VoIP terminal 100, the product payment through the virtual financial terminal function of the VoIP terminal 100 As a system configuration that provides a function, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to make a virtual CD / ATM-based financial transaction / product payment through VoIP. Various implementation methods for the system configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, the virtual CD / ATM-based financial transaction / product payment system through VoIP includes at least one VoIP terminal 100 connected to a communication network, and the VoIP terminal 100. The storage medium 135 storing the VoIP terminal 100 information and the security module information transmitted from the network, and the VoIP terminal 100 connected to the VoIP terminal 100 through a communication network, and the information and security of the VoIP terminal 100 transmitted through the communication network. A communication relay server 105 for receiving module information and transmitting virtual financial terminal activation information corresponding to the received VoIP terminal 100 information and security module information to the VoIP terminal 100, and the VoIP terminal 100; The virtual financial terminal information from the VoIP terminal 100 connected to the VoIP terminal 100 through the communication relay server 105 or the virtual financial terminal function is activated. By authentication After authenticating the virtual financial terminal function of the VoIP terminal 100, the financial company server 140 for providing one or more virtual CD / ATM-based financial transactions through the virtual financial terminal function of the VoIP terminal 100, It is characterized in that it is connected to the VoIP terminal 100 through a communication network, and provided with a payment relay server 175 that provides a product payment function through the virtual financial terminal function of the VoIP terminal 100.

However, in FIG. 1, the communication relay server 105, the financial company server 140, and the payment relay server 175 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 105, the financial company server 140, and the payment relay server 175 may be implemented in a single integrated server, or two or more components of each component (or means). It is possible to be implemented in the form of a server group, the present invention is characterized in that it comprises all the possible inference method. That is, the communication relay server 105, the financial company server 140, and the payment relay server 175 are functional names for processing financial transactions and product settlement through the virtual financial terminal function of the VoIP terminal 100. It is clear that it does not mean a server name. In particular, it will be apparent that the function of the payment relay server 175 and the function of the financial institution server 140 are integrated in one server form.

The storage medium 135 provided on the virtual CD / ATM-based financial transaction / product payment system through VoIP is used to register customer information, VoIP terminal 100 information, security module information, and security module information registered during the VoIP subscription. And storing the virtual financial terminal activation information for the corresponding security module in association.

Here, the customer information is the personal information (or subscriber information) of the customer who purchases (or receives) the VoIP terminal 100 provided with the card reader and the security module, and requests the VoIP subscription to the VoIP terminal 100. It is preferable to comprise).

The VoIP terminal 100 information is identification information assigned to the VoIP terminal 100 by a VoIP service provider to identify the VoIP terminal 100 that is requested to be subscribed among the plurality of VoIP terminals 100. It is preferable that the VoIP terminal 100 includes a telephone number, and other identification information (for example, an ESN or a serial number, or an IP address, the VoIP terminal 100) in addition to the VoIP terminal 100 telephone number according to the intention of the skilled person. 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 100, 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 100 so that the VoIP terminal 100 operates as a virtual financial terminal (eg, a CD / ATM (Cash Dispenser / Automatic Teller Machine)). The information to be processed preferably includes one or more verifier (or authenticator) information, authentication key information (or information for generating an authentication key), and an authentication number that are read (or authenticated) by the security module. Do.

According to another exemplary embodiment of the present invention, when the virtual financial terminal activation information is dynamically generated by a key exchange method through random numbers, the storage of the virtual financial terminal activation information in the storage medium 135 may be omitted. The present invention is not limited by this.

According to the method of the present invention, the communication relay server 105 is characterized in that it comprises an interface unit 110 for connecting and managing the VoIP terminal 100 and the VoIP-based communication channel.

According to an exemplary embodiment of the present invention, the interface unit 110 connects the VoIP terminal 100 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 110 preferably connects the VoIP terminal 100 with a VoIP-based data communication channel.

Referring to FIG. 1, the communication relay server 105 is an information receiver 115 which receives VoIP terminal 100 information and security module information transmitted from the VoIP terminal 100 in association with the interface unit 110. (Or information receiving means) and the information confirming unit 120 (or information confirmation) confirming the virtual financial terminal activation information corresponding to the VoIP terminal 100 information and the security module information in association with the storage medium 135. Means) and an information transmitting unit 125 (or information transmitting means) for transmitting the checked virtual financial terminal activation information to the VoIP terminal 100 so as to activate the virtual financial terminal function of the VoIP terminal 100. It characterized by comprising a.

The information receiving unit 115 receives the VoIP terminal 100 information and the security module information transmitted from the VoIP terminal 100 in association with the interface unit 110, and the interface unit 110 When the information on the VoIP terminal 100 can be confirmed through the information receiving unit 115, the information receiving unit 115 receives the security module information transmitted from the VoIP terminal 100, and the VoIP terminal 100 in association with the interface unit 110. 100) It is desirable to confirm the information.

When the VoIP terminal 100 information and the security module information are received by the information receiving unit 115, the information checking unit 120 is connected to the storage medium 135 and the VoIP terminal 100 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 confirming unit 120 may dynamically generate the virtual financial terminal activation information, and thus the present invention is not limited thereto.

Thereafter, the information transmitter 125 transmits the checked virtual financial terminal activation information to the VoIP terminal 100 to process the virtual financial terminal function of the VoIP terminal 100 to be activated.

Referring to FIG. 1, the communication relay server 105 connects the VoIP terminal 100 and the financial company server 140 when the VoIP terminal 100 connects to the financial company server 140 with an end-to-end secure communication channel. It characterized in that it further comprises a communication relay unit 130 for connecting the relay.

Referring to FIG. 1, the financial institution server 140 may include a communication channel operating unit 145 (or communication channel operating means) for connecting the VoIP terminal 100 and an end-to-end secure communication channel based on encryption / decryption; A virtual financial terminal information receiver 150 (or information receiving means) for receiving the virtual financial terminal information from the VoIP terminal 100 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 155 (or terminal authentication means) for authenticating the validity.

The communication channel manager 145 connects the end-to-end secure communication channel based on encryption / decryption with the VoIP terminal 100.

According to the exemplary embodiment of the present invention, the communication channel manager 145 bypasses the communication relay server 105 and controls the VoIP terminal 100 according to the non-face-to-face financial transaction control of the security module. It is preferable to connect the end-to-end secure communication channel based on encryption / decryption between the financial institution server 140.

According to another exemplary embodiment of the present invention, the communication channel manager 145 encrypts the VoIP terminal 100 and the financial company server 140 according to a 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 100 and the financial institution server 140 described above. The detailed description thereof will be omitted for convenience.

Thereafter, the virtual financial terminal information receiver 150 receives virtual financial terminal information from the VoIP terminal 100 through the secure communication channel, and the terminal authentication unit 155 receives the virtual financial terminal information. It is characterized in that the processing to ensure that the VoIP terminal 100 is recognized as a virtual financial terminal by reading and authenticating the validity.

According to an exemplary embodiment of the present invention, the terminal authentication unit 155 reads the virtual financial terminal information according to a conventional CD / ATM authentication method and authenticates the validity, thereby recognizing the VoIP terminal 100 as a virtual financial terminal. Preferably, the financial company server 140 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 company. It is possible.

When the VoIP terminal 100 is authenticated (or recognized) with the virtual financial terminal (eg, virtual CD / ATM), the terminal authentication unit 155 sends the virtual financial terminal authentication information to the VoIP terminal 100. In response, the VoIP terminal 100 corresponds to the virtual financial terminal (eg, virtual CD / ATM) according to a non-face-to-face financial transaction control procedure according to the financial transaction control of the security module. It is characterized by performing a financial transaction procedure.

Referring to FIG. 1, the financial company server 140 receives a full transaction request message including one or more card information (or account information), a password, and transaction information from the VoIP terminal 100 through the secure communication channel. A specialized receiver 160 (or a specialized receiver), a financial transaction processor 165 (or a financial transaction processor) that processes a financial transaction corresponding to the received transaction request message in association with a financial system, and the transaction processor A professional transmission unit 170 for generating a transaction response message including a result (for example, a message including transaction history information corresponding to a ledger processing result corresponding to the transaction request message) and transmitting the generated message to the VoIP terminal 100. Or specialized transmission means).

In addition, the financial institution server 140 is a terminal authentication unit 155 for processing the second authentication for the financial transaction service on the basis of the USIM unique information from the VoIP terminal 100 via the secure communication channel in addition to the virtual financial terminal information. (Or a terminal authentication means) is characterized in that it further comprises.

When the VoIP terminal 100 is recognized as a virtual financial terminal, the specialized receiver 160 selects the customer card information and the financial transaction item according to the non-face-to-face financial transaction control of the security module provided in the VoIP terminal 100. And receiving a transaction request message including one or more transaction information corresponding to the financial transaction item.

Here, the transaction request telegram may include a CD / ATM based transaction request telegram structure recognized by the financial institution server 140 as a transaction request telegram transmitted from a CD / ATM terminal.

When the terminal authentication unit 155 receives the full transaction request message through the specialized receiver 160, the terminal authentication unit 155 receives USIM unique information about the USIM card provided in the VoIP terminal 100 from the VoIP terminal 100, and receives the received information. It is characterized by providing a financial transaction service by authenticating the validity of the unique USIM information.

According to an embodiment of the present invention, the validity check for providing the financial transaction service to the VoIP terminal 100 may be performed by obtaining USIM unique information stored in a USIM card included in the VoIP terminal 100, and obtaining the USIM. It is preferable to authenticate validity based on the unique information, and for this purpose, it is preferable to further include a database (not shown) for storing / authenticating USIM unique information.

When the transaction request message is received through the message receiver 160 and USIM unique information authentication is completed for the received transaction request message, the financial transaction processor 165 is linked with the financial system to request the requested ledger. Characterized in that the processing is carried out.

In the technical field to which the present invention belongs, the financial transaction processing unit 165 will be familiar with the technical features of processing the ledger corresponding to the full transaction request in connection with the financial system, and thus the detailed description thereof will be omitted for convenience. do.

When the transaction history information is confirmed (or extracted) through the ledger processing by the financial transaction processing unit 165, the specialized transmission unit 170 includes a transaction response message including transaction history information corresponding to the result of the ledger processing. For example, a full text including transaction history information corresponding to a ledger processing result corresponding to the full transaction request message may be generated and transmitted to the VoIP terminal 100.

After the transaction response message is transmitted to the VoIP terminal 100, the communication channel manager 145 preferably releases an end-to-end secure communication channel with the VoIP terminal 100.

Referring to FIG. 1, the payment relay server 175 may include a communication channel connection unit 180 (or a communication channel connection unit) connecting the VoIP terminal 100 to an end-to-end payment communication channel based on encryption / decryption. Card information for receiving card information (or payment means information) and payment identification information (for example, customer number, order number, and one or more VoIP terminal 100 information) from the VoIP terminal 100 through the payment communication channel. It is characterized by comprising a receiving unit 183 (or information receiving means).

For the virtual CD / ATM based product payment through the VoIP, the communication channel connection unit 180 is characterized in that connecting the VoIP terminal 100 and the end-to-end payment communication channel based on encryption / decryption.

When the VoIP terminal 100 and the payment communication channel are connected through the communication channel connection unit 180, the card information receiver 183 receives card information (or payment means) from the VoIP terminal 100 through the payment communication channel. Information) and payment identification information (eg, customer number, order number, VoIP terminal 100 information including one or more) is characterized in that it is received.

Referring to Figure 1, the payment relay server 175, when the customer using the VoIP terminal 100, the seller server 196 requests the product payment through the VoIP terminal 100, the seller server 196 From the payment identification information (eg, customer number, order number, including one or more information of the VoIP terminal 100) and payment amount information and one or more types of payment target information (eg, merchant information for card payment, or And payment information receiving unit 185 (or information receiving means) for receiving payment information including one or more seller account information for account transfer payment.

In order to make a virtual CD / ATM-based product payment through the VoIP, the payment information receiving unit 185 purchases one or more products by the customer using the VoIP terminal 100 and then purchases the purchase price for the purchased product. The VoIP terminal 100 from the seller server 196 (or the seller terminal may be included) indicating a willingness to pay through card information (or payment method information) read through the card reader included in the VoIP terminal 100. ) Payment identification information (eg, including one or more customer number, order number, VoIP terminal 100 information), payment amount information corresponding to the purchase price, payment target information by one or more types of payment means ( For example, it is characterized by receiving payment information including one or more merchant information for card payment, or merchant account information for bank transfer payment).

If the payment means type corresponding to the card information (or payment means information) read from the card reader provided in the VoIP terminal 100 is set as a card payment means, the payment target for each payment means type included in the payment information The information may include affiliate store information for the card payment, and if the payment means type group corresponding to the card information (or payment means information) read from the card reader provided in the VoIP terminal 100 is undecided, The payment target information for each payment method type preferably includes both merchant information for card payment and seller account information for bank transfer payment.

Alternatively, when the payment means type corresponding to the card information (or payment means information) read from the card reader provided in the VoIP terminal 100 is set as a bank transfer payment means, for each type of payment means included in the payment information The payment target information may include the seller account information for the fastener and the payment means type group corresponding to the card information (or payment means information) read from the card reader provided in the VoIP terminal 100. If undecided, the payment target information for each payment method type preferably includes both merchant information for card payment and seller account information for bank transfer payment.

Referring to FIG. 1, the payment relay server 175 checks payment request information for checking card information (or payment method information), payment amount information, and payment target information for each payment method type that are matched through the payment identification information. Section 190 (or information confirmation means), payment means confirmation unit 193 (or payment means confirmation means) for confirming a payment means type corresponding to the confirmed card information (or payment means information), and the confirmation If the type of payment means is a card payment means, the card information (or payment method information), payment amount information, and a payment approval request message containing payment object information for each payment method type for card payment is generated to generate the card information (or The card company server 198 corresponding to the payment method information) to process the payment approval, and if the identified payment method type is a bank transfer payment method, the card information (or payment method information) and payment amount Payment processing to generate a bank transfer transaction that includes the amount information, the payment target information for each payment method type for account transfer payment to be approved for payment through the financial company server 140 corresponding to the card information (or payment method information) It is characterized by comprising a processing unit 195 (or payment processing means).

The payment identification information (eg, one or more customer number, order number, VoIP terminal 100 information), payment amount information, and one or more types of payment means from the seller server 196 through the payment information receiving unit 185. Payment information including one or more pieces of payment target information (eg, merchant information for card payment or seller account information for bank transfer payment) is received, and the VoIP terminal 100 is received through the card information receiving unit 183. When card information (or payment method information) and payment identification information are received from the payment request information confirming unit 190, the card information (or payment method information), payment amount information, and payment method matched through the payment identification information Characterized by checking the payment request information including one or more payment target information for each type.

In addition, the payment means confirmation unit 193 reads the card information (or payment means information) included in the payment request information, and the payment means type corresponding to the card information (or payment means information) card payment means ( For example, it is characterized by checking whether it is a credit card, a check card, or an account transfer payment means (for example, cash card, account information, electronic bank account information).

According to the method of the present invention, the payment means confirmation unit 193 reads the number system of the card number (or payment means number) included in the card information (or payment means information), or the card information (or Read the card company information (or financial company information) included in the payment method information, and determine whether the payment method type corresponding to the card information (or payment method information) is a card payment method (for example, a credit card or a check card) or a bank transfer. It is preferable to check whether the payment means (for example, cash card, account information, electronic bank information).

If the payment means type corresponding to the card information (or payment means information) is identified as a card payment means, the payment processing unit 195 is the card information (or payment means information), payment amount information, payment for card payment Generate a payment approval request text including payment target information for each type of means, and transfer the generated payment approval request text to the card company server 198 corresponding to the card information (or payment means information) through the bansa server 197. By processing to be transmitted, through the card company server 198 is characterized in that the card payment corresponding to the full payment approval request is processed to be approved.

If those skilled in the art to which the present invention pertains, the card company server 198 will be familiar with the technical features for processing the credit card corresponding to the payment approval request full text, detailed description thereof It will be omitted for convenience.

Alternatively, when the payment means type corresponding to the card information (or payment means information) is confirmed as a wire transfer payment means, the payment processing unit 195 determines the card information (or payment means information), payment amount information, and account transfer payment. A full account transfer transaction including payment target information for each payment method type (eg, withdraw the payment amount from a customer account corresponding to the card information (or payment method information) to correspond to the payment target information for each payment method type). Create a transaction request message to deposit (or transfer) to a merchant account, and transfer the generated bank transfer transaction message to the financial company server 140 corresponding to the card information (or payment means information) to transfer the full text of the account; It is characterized in that the account transfer payment corresponding to the processing.

If one of ordinary skill in the art to which the present invention belongs, the financial institution server 140, in connection with the financial system, the payment amount through the account transfer transaction corresponding to the full account transfer transaction payment by 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 175 and the financial company server 140 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 165 provided in the financial company server 140. Is preferably replaced with.

When the payment is processed through the payment request information, the payment processing unit 195 may transmit payment result information corresponding to the payment request information to the VoIP terminal 100 and the seller server 196.

2 is a diagram illustrating a process of connecting a secure communication channel between the VoIP terminal 100 and the financial institution server 140 according to an embodiment of the present invention.

More specifically, FIG. 2 shows a virtual financial terminal program (for example, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 100) in the VoIP terminal 100, and FIG. Receiving the virtual financial terminal activation information from the communication relay server 105 by transmitting the VoIP terminal 100 information and security module information to the communication relay server 105 shown, and receives the received virtual financial terminal activation information After activating the virtual financial terminal function provided in the VoIP terminal 100 through, the process of connecting to the financial institution server 140 shown in Figure 1 through the end-to-end secure communication channel based on the virtual financial terminal function As one of ordinary skill in the art to which the present invention pertains, the present invention relates to a secure communication channel between the VoIP terminal 100 and the financial institution server 140 by referring to and / or modifying the present invention. Would be able to infer a variety of exemplary methods of the present invention are 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 2.

Referring to FIG. 2, the VoIP terminal 100 starts a virtual financial terminal program (for example, a virtual machine processing to operate as a virtual CD / ATM of the VoIP terminal 100) to FIG. The communication channel is connected (or switched) with the illustrated communication relay server 105 (200).

In the case of connecting (or switching) a communication channel for virtual CD / ATM based product payment through the VoIP according to an embodiment of the present invention, the customer is provided with a "product payment provided in the key input device of the VoIP terminal 100. ”Button or selecting a“ goods payment ”menu or a“ CA / ATM ”menu on a menu screen outputted through the screen output means of the VoIP terminal 100, the VoIP terminal 100 displays the virtual machine ( Virtual machine) to connect (or switch) the communication channel with the communication relay server 105 shown in FIG.

Alternatively, when connecting (or switching) a communication channel for virtual CD / ATM based product payment through the VoIP, the customer connects (or switches) a voice call channel to the seller server 196 through the VoIP terminal 100. After connecting to the data communication channel) to indicate the purchase / payment intention, the product payment through the VoIP terminal 100 from the merchant server 196 (or financial institution server 140, or payment relay server 175) When the request message (or information) is received, the VoIP terminal 100 starts the virtual machine to connect (or switch) the communication channel with the communication relay server 105 shown in FIG. It is desirable to.

If the communication channel is connected (or switched) with the communication relay server 105 (205), the VoIP terminal 100 information and the information is communicated to the communication relay server 105 through the communication channel in association with the memory unit. Check the security module information corresponding to the security module provided in the VoIP terminal 100, and transmits the confirmed VoIP terminal 100 information and security module information to the communication relay server 105 (210).

Subsequently, the communication relay server 105 includes a card reader and a valid security module (eg, the virtual financial terminal information) in the VoIP terminal 100 in association with the storage medium 135 and the non-face-to-face financial transaction control information. And a security module having a non-face-to-face financial transaction authentication function). When the VoIP terminal 100 is provided with a card reader and a valid security module, the VoIP terminal 100 from the storage medium 135 is provided. The virtual financial terminal activation information associated with the information and the security module information is verified (or dynamically generated) (215).

Here, the virtual financial terminal activation information, by activating the security module provided in the VoIP terminal 100 to activate the VoIP terminal 100 to operate as a virtual financial transaction terminal (= virtual CD / ATM). As the information, the security module activated by the virtual financial terminal activation information is encrypted / decryption based on the VoIP terminal 100 and the financial institution server 140 (or the financial institution server 140 via the communication relay server 105). Connect the secure communication channel, and transmit the virtual financial terminal information included in the security module from the VoIP terminal 100 to the financial institution server 140 through the secure communication channel, and the VoIP terminal 100. In the non-face-to-face financial transaction control information and the non-face-to-face financial transaction authentication function provided in the security module is preferred to process the non-face-to-face financial transaction.

If the virtual financial terminal activation information is confirmed (220), the communication relay server 105 transmits the virtual financial terminal activation information to the VoIP terminal 100 through the communication channel (225), and correspondingly The VoIP terminal 100 receives the virtual financial terminal activation information through the communication channel and provides the virtual financial terminal activation information to read the virtual financial terminal activation information from the security module to activate the virtual financial terminal function of the security module. It is processed to 230 (230).

If the virtual financial terminal function of the security module is activated (235), the VoIP terminal 100 according to the non-face-to-face financial transaction control of the security module with the financial company server 140, end-to-end secure communication based on encryption / decryption The channel is connected (240).

According to an exemplary embodiment of the present invention, the VoIP terminal 100 bypasses the one or more communication relay servers 105 according to the non-face-to-face financial transaction control of the security module to bypass the VoIP terminal 100 and the financial company. It is preferable to connect an end-to-end secure communication channel based on encryption / decryption between the servers 140.

According to another exemplary embodiment of the present invention, the VoIP terminal 100 encrypts / encrypts between the VoIP terminal 100 and the financial company server 140 according to a virtual private network protocol according to the non-face-to-face financial transaction control of the security module. It is desirable to connect a decryption-based end-to-end secure communication channel.

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 100 and the financial institution server 140 described above. The detailed description thereof will be omitted for convenience.

3 is a diagram illustrating a process of processing the VoIP terminal 100 to be recognized as a virtual financial terminal according to an embodiment of the present invention.

In more detail, Figure 3 is connected to the financial institution server 140 shown in Figure 1 and secure communication channel through the secure communication channel connection process in Figure 2 in the VoIP terminal 100, and then to the financial company server 140 The present invention relates to a process of transmitting virtual financial terminal information so that the financial institution server 140 recognizes the VoIP terminal 100 as a virtual financial terminal (for example, a virtual CD / ATM). Persons having ordinary skill in the art will be able to infer various implementation methods for the process of processing the VoIP terminal 100 to be recognized as a virtual financial terminal by referring to and / or modifying the present invention. Is made including all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 3, after the secure communication channel is connected to the financial institution server 140 shown in FIG. 1 through a secure communication channel connection process in FIG. 2, the VoIP terminal 100 is connected to the VoIP terminal 100. 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 authentication interface is output to the screen output means, and authentication information (eg, for the security module) is output through the virtual financial terminal authentication interface. PIN information) is input (300), and if authentication information is input through the virtual financial terminal authentication interface (305), the VoIP terminal 100 is a non-face-to-face corresponding to the virtual financial terminal function of the security module Processing the inputted authentication information to be provided to and read from the security module according to financial transaction control, thereby providing the security information as an authentication result of the authentication information. The virtual financial terminal information is identified (or extracted) from the security module (310).

According to another exemplary embodiment of the present invention, the VoIP terminal 100 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 identified (or extracted) from the security module (315), the VoIP terminal 100 according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module in the secure communication channel The virtual financial terminal information is transmitted to the financial institution server 140 through 320 (320).

Thereafter, the financial institution server 140 receives the virtual financial terminal information, and reads and authenticates the received virtual financial terminal information to check the validity of the virtual financial terminal of the VoIP terminal 100 (325).

If the validity of the virtual financial terminal of the VoIP terminal 100 is not authenticated (330), the financial institution server 140 transmits the virtual financial terminal error information to the VoIP terminal 100 through the secure communication channel (335) In step 340, the end-to-end secure communication channel between the VoIP terminal 100 and the financial institution server 140 is released.

On the other hand, if the validity of the virtual financial terminal of the VoIP terminal 100 is authenticated (330), the financial institution server 140 transmits the virtual financial terminal authentication information to the VoIP terminal 100 through the secure communication channel (345). In response, the VoIP terminal 100 performs a financial transaction procedure corresponding to a virtual financial terminal (eg, a virtual CD / ATM) according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. do.

4 is a diagram illustrating a process of deactivating a VoIP communication function of the VoIP terminal 100 according to an embodiment of the present invention.

In more detail, FIG. 4 shows the VoIP terminal 100 as a virtual financial terminal in the financial institution server 140 shown in FIG. 1 through the virtual financial terminal recognition process shown in FIG. If it is recognized, the process of deactivating the VoIP communication function (eg, VoIP-based voice call function, or VoIP-based data communication function) of the VoIP terminal 100, having a general knowledge in the art In this regard, various implementation methods for the process of deactivating the VoIP communication function of the VoIP terminal 100 may be inferred by referring to and / or modifying the present invention. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 4, the VoIP terminal 100 recognizes the virtual financial terminal shown in FIG. 3 after the secure communication channel is connected to the financial institution server 140 through the secure communication channel connection process illustrated in FIG. 2. Through the process, the financial company server 140 shown in FIG. 1 recognizes that the VoIP terminal 100 is a virtual financial terminal so that the virtual financial terminal function of the VoIP terminal 100 is activated by the security module ( For example, it is checked whether the virtual financial terminal authentication information is received from the financial institution server 140) (400).

If it is confirmed that the virtual financial terminal function of the VoIP terminal 100 is activated (405), the VoIP terminal 100 is a VoIP communication function (e.g., a VoIP-based voice call function, or VoIP) of the VoIP terminal 100. Based data communication function) to be deactivated (410).

According to an embodiment of the present invention, deactivating the VoIP communication function (eg, the VoIP based voice call function or the VoIP based data communication function) of the VoIP terminal 100 may be performed in addition to the communication function through the secure communication channel. It is preferable to include blocking all communication (eg, sending and receiving packets for voice call, or sending and receiving packets for data communication) through the VoIP terminal 100.

If the VoIP communication function (eg, the VoIP based voice call function or the VoIP based data communication function) of the VoIP terminal 100 is deactivated (415), the VoIP terminal 100 is a VoIP server (eg, a gateway, Or gatekeeper) to transmit the VoIP communication deactivation information (420), and correspondingly, the VoIP server recognizes that the VoIP terminal 100 is in a call through the VoIP communication deactivation information (425).

Hereinafter, a preferred implementation method for processing a product payment through a virtual financial terminal function of the VoIP terminal 100 through the illustrated process will be described. However, if a person having ordinary knowledge in the technical field to which the present invention belongs, the financial transaction through the virtual financial terminal function of the VoIP terminal 100 and the virtual financial terminal function of the VoIP terminal 100 shown in FIG. With reference to the functional configuration, it will be possible to infer a financial transaction procedure through the virtual financial terminal function of the VoIP terminal 100, a detailed description thereof will be omitted for convenience.

5 is a diagram illustrating a virtual CD / ATM screen output process for payment of goods through the VoIP terminal 100 according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates that the VoIP terminal 100 is recognized as a virtual financial terminal (eg, CD / ATM) through the virtual financial terminal recognition process illustrated in FIG. 3, or the VoIP illustrated in FIG. 4. After the VoIP communication function of the VoIP terminal 100 is deactivated through the communication function deactivation process, the VoIP terminal 100 outputs a financial transaction item selection interface according to the non-face-to-face financial transaction control of the security module. As a process of selecting the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 5 to make a virtual CD / ATM for product payment through the VoIP terminal 100. Various implementation methods for the screen output process may be inferred, but the present invention includes all the implementation methods inferred, and only the implementation method illustrated in FIG. Technical features are not limited.

Referring to FIG. 5, the VoIP terminal 100 is recognized as a virtual financial terminal (eg, CD / ATM) through the virtual financial terminal recognition process illustrated in FIG. 3, or the VoIP illustrated in FIG. 4. After the VoIP communication function of the VoIP terminal 100 is deactivated through the communication function deactivation process, the VoIP terminal 100 performs a product payment menu according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. The financial transaction item selection interface is output, and the financial transaction item selection interface is checked to determine which one financial transaction item is selected (500).

If any one financial transaction item is selected through the financial transaction item selection interface (505), the VoIP terminal 100 reads the selected financial transaction item and checks whether a product payment menu is selected (510).

If the product payment menu is not selected through the financial transaction item selection interface (515), the VoIP terminal 100 is a non-face-to-face based virtual financial terminal corresponding to the financial transaction item selected through the financial transaction item selection interface. Process the financial transaction (520).

On the other hand, if the product payment menu is selected through the financial transaction item selection interface (515), the VoIP terminal 100 is shown in Figure 6 in accordance with the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module Perform the process.

6 is a diagram illustrating a card information reading process for product payment through the VoIP terminal 100 according to an embodiment of the present invention.

In more detail, in FIG. 6, when the product payment menu is selected in the VoIP terminal 100 through the process illustrated in FIG. 5, the card information is controlled according to the non-face-to-face financial transaction control of the security module in the VoIP terminal 100. The present invention relates to a process of outputting a reading interface to read card information (or payment means information) and inputting (or confirming) payment identification information, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to and / or modified to be able to infer various implementation methods for the card information reading process for product payment through the VoIP terminal 100, the present invention comprises all the inferred implementation method, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 6, when a product payment menu is selected in the VoIP terminal 100 through the process illustrated in FIG. 5, the VoIP terminal 100 may be a non-face-to-face finance corresponding to a virtual financial terminal function of the security module. The card information reading interface for product payment is output according to the transaction control (600).

If the PIN information interface is included (or linked) in the card information reading interface (605), the VoIP terminal 100 checks whether PIN information (or card password) is input through the PIN input interface (610). If the PIN information (or card password) is input through the PIN input interface (615), the VoIP terminal 100 is the PIN according to the non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module The validity of the information (or card password) is checked (620).

If the validity of the PIN information (or card password) is not verified (625), the VoIP terminal 100 outputs PIN information (or card password) input error information (630), 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 (625), the VoIP terminal 100 checks the validity of the PIN information (or card password) (620).

If the validity of the PIN information (or card password) is not confirmed (625), the VoIP terminal 100 outputs the PIN information (or card password) input error information (630), and repeats the above process. .

If the validity of the PIN information (or card password) is confirmed (625), or if the PIN information interface is not included in the card information reading interface (605), the VoIP terminal 100 of the security module According to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function, the card information (or payment means information) is read through the card reader (635).

If card information (or payment means information) is read through the card reader (640), the VoIP terminal 100 reads the read card according to a non-face-to-face financial transaction control corresponding to the virtual financial terminal function of the security module. The validity of the information (or payment method information) is checked (645).

If the validity of the read card information (or payment means information) is not confirmed (650), the VoIP terminal 100 outputs the card information (or payment means information) reading error information (655), the process Repeat.

On the other hand, if the validity of the read card information (or payment means information) is confirmed (650), the VoIP terminal 100 performs the process shown in FIG.

7 is a diagram illustrating a card information transmission process for payment through the VoIP terminal 100 according to an embodiment of the present invention.

In more detail, in FIG. 7, when the card information (or payment means information) is read from the VoIP terminal 100 through the process illustrated in FIG. 6, the non-face-to-face finance of the security module is performed by the VoIP terminal 100. Enter the payment identification information including at least one customer number or order number through the payment identification information input interface according to the transaction control, or input the customer number and order number received by the VoIP terminal 100 in the process shown in FIG. After confirming payment identification information including one or more, or after confirming the VoIP terminal 100 information assigned to the VoIP terminal 100 as payment identification information, the read card information (or payment means information) and payment identification information To a payment relay server 175 shown in Figure 1, if the person of ordinary skill in the art to which the present invention pertains, refer to and / or modified this figure 7 Various implementation methods for the card information transmission process for payment through the VoIP terminal 100 may be inferred, but the present invention includes all the implementation methods inferred, and the implementation method shown in FIG. The technical features are not limited only.

Referring to FIG. 7, when card information (or payment means information) is read from the VoIP terminal 100 through the process illustrated in FIG. 6, the VoIP terminal 100 receives a customer number through a payment identification information input interface. Enter payment identification information including one or more order numbers, or check payment identification information including one or more customer numbers and order numbers received by the VoIP terminal 100 in the process of FIG. The VoIP terminal 100 information allocated to the VoIP terminal 100 is confirmed as payment identification information (700).

If the payment identification information is input (or confirmed) (705), the VoIP terminal 100 connects a payment communication channel with the payment relay server 175 shown in Figure 1 (710), if the payment communication When the channel is connected (715), the financial institution server 140 requests and receives USIM unique information to the VoIP terminal 100 through a secure communication channel, and confirms the validity (720).

If the validity of the unique USIM information is not verified (725), the financial institution server 140 transmits the validation error information for the virtual financial terminal to the VoIP terminal 100 through the secure communication channel (730). In response, the VoIP terminal 100 releases the secure communication channel with the financial institution server 140 (735).

On the other hand, if the validity of the USIM unique information is confirmed (725), the VoIP terminal 100 through the payment communication channel to the payment relay server 175 and the card information (or payment means information) and the input (or The payment identification information is confirmed) is transmitted (740).

8 is a diagram illustrating a product payment process through the VoIP terminal 100 according to an embodiment of the present invention.

In more detail, FIG. 8 shows that a customer using the VoIP terminal 100 in the payment relay server 175 (or the financial institution server 140) shown in FIG. 1 purchases one or more products, and purchases the purchased products. Payment identification information (eg, customer number, order number, VoIP terminal 100) shared from the seller server 196 indicating a payment intention to process payment through the VoIP terminal 100 to the VoIP terminal 100. Receiving payment information including one or more information), payment amount information, and one or more types of payment target information (e.g., merchant information for card payment or merchant account information for bank transfer). When the payment identification information and the card information (or payment means information) are received from the VoIP terminal 100 through the process illustrated in FIG. 7, the payment relay server 175 transmits the payment identification information. Check payment information including card information (or payment method information), payment amount information, and payment target information for each payment method type, and determine the payment method type corresponding to the identified card information (or payment method information). The present invention relates to a process of confirming and processing the payment amount through the card information (or payment means information) according to the type of payment means, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. 8 By referring to and / or modified to be able to infer various implementation methods for the product payment process through the VoIP terminal 100, the present invention comprises all the inferred implementation method, shown in Figure 8 The technical features are not limited only to the implemented method.

Referring to FIG. 8, a payment intention that a customer using the VoIP terminal 100 purchases one or more products from a seller server 196 and processes payment for the purchased product through the VoIP terminal 100 is performed. , The payment relay server 175 is one or more pieces of payment identification information (eg, customer number, order number, VoIP terminal 100) information shared with the VoIP terminal 100 from the seller server 196. And payment information including one or more payment amount information corresponding to the purchase price and one or more payment method information (for example, merchant information for card payment or seller account information for bank transfer). Receive information 800.

If the payment means type corresponding to the card information (or payment means information) read from the card reader provided in the VoIP terminal 100 is set as a card payment means, the payment target for each payment means type included in the payment information The information may include affiliate store information for the card payment, and if the payment means type group corresponding to the card information (or payment means information) read from the card reader provided in the VoIP terminal 100 is undecided, The payment target information for each payment method type preferably includes both merchant information for card payment and seller account information for bank transfer payment.

Alternatively, when the payment means type corresponding to the card information (or payment means information) read from the card reader provided in the VoIP terminal 100 is set as a bank transfer payment means, for each type of payment means included in the payment information The payment target information may include seller account information for the wire transfer payment, and the payment means type group corresponding to the card information (or payment means information) read from the card reader provided in the VoIP terminal 100. If undecided, the payment target information for each payment method type preferably includes both merchant information for card payment and seller account information for bank transfer payment.

If the payment information is received from the seller server 196 (805), and the payment identification information and card information (or payment means information) from the VoIP terminal 100 through the process shown in Figure 7, The payment relay server 175 checks payment request information including one or more card information (or payment method information), payment amount information, and payment target information for each payment method type that are matched through the payment identification information (810). .

If the payment request information is confirmed (815), the payment relay server 175 reads the card information (or payment means information) included in the payment request information, and corresponds to the card information (or payment means information) Check whether the payment means is a card payment means (for example, credit card, check card) or bank transfer payment means (for example, cash card, account information, electronic bank information) (820).

According to an embodiment of the present invention, the payment relay server 175 reads the number system of the card number (or payment means number) included in the card information (or payment means information), or the card information (or payment). Read the card company information (or financial company information) included in the means information) to determine whether the payment method type corresponding to the card information (or payment means information) is a card payment means (for example, a credit card or a check card) or a bank transfer payment. It is desirable to confirm whether the means (for example, cash card, account information, electronic bank account information).

If the payment method type corresponding to the card information (or payment means information) is confirmed as a bank transfer payment means (825), the payment relay server 175 is the card information (or payment means information), payment amount information, A full account transfer transaction including seller account information for account transfer payment (eg, a seller account corresponding to the payment target information for each payment method type, withdrawing a payment amount from a customer account corresponding to the card information (or payment method information)). Generate a transaction request message to deposit (or transfer) the transaction (830), and transfer the generated account transfer transaction message to the financial company server 140 corresponding to the card information (or payment means information) to transfer the account; The bank transfer payment corresponding to the full text is processed (835), and in response, the financial institution server 140 is linked to the financial system and the gold corresponding to the full text transfer payment. Process the transaction (840).

If one of ordinary skill in the art to which the present invention belongs, the financial institution server 140, in connection with the financial system, the payment amount through the account transfer transaction corresponding to the full account transfer transaction payment by 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 financial transaction corresponding to the full transfer transaction is processed (845), the payment relay server 175 receives payment result information corresponding to the full transfer transaction text from the financial institution server 140 (850). In operation 855, the received payment result information is transmitted to the VoIP terminal 100 and the seller server 196.

On the other hand, if the payment method type corresponding to the card information (or payment method information) is confirmed as a card payment means (825), the payment relay server 175 is the card information (or payment method information), payment amount information, card Generate a payment approval request text including the merchant merchant information for payment (860), the card payment server corresponding to the card information (or payment means information) through the Bansa server 197 generated payment approval request text ( 198, the card payment corresponding to the full text of the payment approval request is processed (865). In response, the card company server 198 processes the card payment corresponding to the full text of the payment approval request (870).

If those skilled in the art to which the present invention pertains, the card company server 198 will be familiar with the technical features for processing the credit card corresponding to the payment approval request full text, detailed description thereof It will be omitted for convenience.

If the card payment corresponding to the payment approval request text is approved (875), the payment relay server 175 receives payment result information corresponding to the payment approval request text from the card company server 198 (880). In step 855, the received payment result information is transmitted to the VoIP terminal 100 and the seller server 196.

According to the present invention, there is an advantage that a stronger security function can be provided through a two-factor authentication process using authentication for the terminal and unique USIM information.

Claims (4)

In the method for providing a payment service through a terminal having a screen output means and a USIM chip, and having a security module for controlling non-face-to-face financial transactions, According to the control of the virtual financial terminal function of the security module, the virtual financial terminal information provided in the security module is transmitted to the financial institution server through the secure communication channel connected between the VoIP terminal and the financial institution server so that the VoIP terminal performs a virtual financial transaction. Processing to be recognized as a terminal; Transmitting security module information and terminal information to a server on a communication network, and receiving virtual financial terminal activation information corresponding to the security module information and terminal information from a server on the communication network to activate a virtual financial terminal function; When the financial terminal function provided in the terminal is activated, and outputs a financial transaction item selection interface including a payment service menu through the screen output means, and requests a payment service through the output payment service menu selection. Transmitting USIM unique information provided in the financial terminal to process the authentication for using the payment service; Payment service providing method through a multi- terminal with a multi-authentication function comprising a. The method of claim 1, According to the control of the virtual financial terminal function of the security module provides a payment service through a multiple terminal with a multi-authentication function, characterized in that further comprising the step of connecting the end-to-end secure communication channel based on encryption / decryption based on the financial company server Way. A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1 to 2. Claims [1] A system for providing a payment service through a terminal having a screen output means and a USIM chip, and having a security module for controlling non-face-to-face financial transactions. According to the control of the virtual financial terminal function of the security module, the virtual financial terminal information provided in the security module is transmitted to the financial institution server through the secure communication channel connected between the VoIP terminal and the financial institution server so that the VoIP terminal performs a virtual financial transaction. Means for processing to be recognized as a terminal; Means for transmitting security module information and terminal information to a server on a communication network and receiving virtual financial terminal activation information corresponding to the security module information and terminal information from a server on the communication network to activate a virtual financial terminal function; When the financial terminal function provided in the terminal is activated, and outputs a financial transaction item selection interface including a payment service menu through the screen output means, and requests a payment service through the output payment service menu selection. Means for processing the authentication for using the payment service by transmitting the USIM unique information provided in the financial terminal; Payment service providing system through a multi- terminal with a multi-authentication function comprising a.

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