KR20130010422A - System and method for voice-call-based payment process, payment process server, communication terminal, and recording medium thereof - Google Patents

Abstract

PURPOSE: A voice communication based payment processing method, a system, a payment processing server, a communication terminal and a recoding medium are provided to transfer order and payment processes through voice communication to data communication between an application installed in the user communication terminal and the payment processing server, thereby increasing convenience and security. CONSTITUTION: When voice communication is connected between a user communication terminal and a member store communication terminal, an application management means(250) confirms telephone number information of the member store communication terminal. The application management means manages an application which confirms order payment information. An information receiving means(205) receives a telephone number of the member store communication terminal, the order payment information and payment means information of a user. [Reference numerals] (100) Payment processing server; (105) Storage medium; (110) User communication terminal; (115) Member store communication terminal; (120) Application download server; (200) Information processing means; (205) Information receiving means; (210) Encoding/decoding means; (215) Authentication means; (225) Payment history management means; (230) Data generating means; (235) Storage means; (240) Payment processing means; (245) Escrow processing means; (250) Application management means; (AA,BB,EE) Communication network; (CC) Information transmitting means; (DD) Information confirming means; (FF) Member store DB; (GG) Member DB; (HH) Payment history DB

Description

Voice call-based payment processing method and system, payment processing server, communication terminal and recording medium therefor

The present invention transfers the order and payment processing through the voice call between the user communication terminal and the merchant communication terminal to the data communication between the application installed in the user communication terminal and the payment processing server on the communication network, convenience and security of the voice call-based payment processing It is intended to improve.

The mobile payment market using mobile communication terminals, such as user smartphones, is gradually expanding, but the mobile payment market is still dominated by online shopping malls, and offline merchants that do not have a shopping mall for accessing mobile communication terminals. In the case of ordering by voice call between the mobile communication terminal and the merchant communication terminal, and at the time of order delivery at the time of payment to the payment card or the portable card terminal possessed by the delivery person, or after the voice call order separately The payment market itself has not been formed because of the inconvenience of depositing payments into offline merchant accounts through internet banking.

On the other hand, in the case of TV home shopping, telephone orders and payments are made, but in this case, the user needs to call the delivery address, card number, expiration date, etc. by voice call, so that it takes a lot of time for the telephone order and payment. In addition, the home shopping operating company stores the user's card number information in advance to reduce ordering and settlement time, but it has illegal elements due to unauthorized storage of the user's card number, I have a problem.

An object of the present invention for solving the above problems, by transferring the order and payment processing through the voice call between the user communication terminal and the merchant communication terminal to the data communication between the application installed in the user communication terminal and the payment processing server on the communication network To provide a method and system for greatly improving the convenience and security of voice call-based payment processing, a payment processing server, a communication terminal, and a recording medium therefor.

The voice call-based payment processing system according to the present invention includes a storage medium for connecting and storing merchant phone number information and payment merchant specific information for processing and requesting payment approval for the merchant, and a user communication terminal installed in the user communication terminal. Application management means for managing an application for checking the telephone number information of the merchant communication terminal and confirming the order payment information corresponding to the order through the voice call, when the voice call is connected between the merchant communication terminal and the merchant communication terminal, the user communication terminal or the user. Information receiving means for receiving the telephone number and order payment information of the merchant communication terminal and payment means information of the user required for the order payment through the application provided in the communication terminal, and through the information receiving means through the storage medium Matches the phone number information of the received merchant communication terminal Information checking means for confirming merchant phone number information to be checked, and confirming payment merchant specific information associated with the confirmed merchant phone number information, order payment information received through the information receiving means and the user's required for order payment; Generate payment approval request data according to the order payment using payment means information and payment merchant unique information confirmed through the information checking means, and transmit the generated payment approval request data to a server on a communication network to process a payment approval request. Information processing means.

Voice call-based payment processing system according to another embodiment of the present invention, the information storage means for storing the merchant phone number information and payment merchant specific information for payment approval request and processing for the merchant and stored on a storage medium; In the voice call based payment processing through the user communication terminal, it is installed in the user communication terminal to check the telephone number information of the merchant communication terminal during the voice call connection process between the user communication terminal and the merchant communication terminal, and responds to the order through the voice call. Information receiving means for receiving the telephone number and order payment information of the merchant communication terminal and payment means information of the user required for the order payment through an application for confirming the order payment information, and the information receiving means through the storage medium All merchants matching the phone number information of the merchant communication terminal received through Information confirmation means for confirming number information and confirming payment merchant specific information associated with the confirmed affiliated phone number information, order payment information received through the information receiving means and payment means information of the user required for the order payment; And processing the payment approval request by generating payment approval request data according to the order payment using the payment merchant unique information confirmed through the information checking means, and transmitting the generated payment approval request data to a server on a communication network. Means;

In addition, the voice call-based payment processing system according to the present invention, when a payment approval result corresponding to the payment approval request is received from a server on a communication network, information transmission for transmitting the payment approval result to the user communication terminal and the merchant communication terminal Means may further comprise.

In addition, the information checking means according to the present invention, if a plurality of merchant specific information associated with the merchant phone number information is confirmed for each payment means issuer, the payment means of the user received through the information receiving means of the plurality of merchant unique information Characterized in that the merchant unique information of the payment means issuing corresponding to the information, characterized in that, the information processing means according to the present invention, goods or service delivery confirmation information corresponding to the order payment through the application installed in the user communication terminal When is transmitted, the payment amount corresponding to the order payment characterized in that the processing to be paid to the merchant.

In addition, each means that is a component of the voice call-based payment processing system may consist of a single server, or may be divided into two or more servers.

In the voice call-based payment processing system according to another embodiment of the present invention, merchant phone number information, merchant specific information for requesting and processing payment approval for the merchant, telephone number information of the user communication terminal, and the user communication terminal Merchant in the process of connecting the voice call between the user communication terminal and the merchant communication terminal installed in the user communication terminal, the storage means for storing information about whether or not to process the payment processing by direct debit and the user's payment means information for automatic debit processing Checking the phone number information of the communication terminal, and through the application to confirm the order payment information corresponding to the order through the voice call about the phone number and order payment information of the merchant communication terminal and whether the automatic transfer processing registration of the user communication terminal Information receiving means for receiving information, from the storage means Check the merchant phone number information matching the telephone number information of the merchant communication terminal received through the information receiving means, and the payment merchant unique information and the user communication terminal connected to the confirmed merchant phone number information registered automatic transfer processing state And information confirmation means for confirming the payment means information of the user when the user communication terminal is registered for the direct debit processing, payment approval request data according to the order payment using the confirmed payment means information and the payment merchant specific information. It generates and transmits to the server on the communication network information processing means for processing the payment approval request.

In addition, the voice call-based payment processing system according to the present invention may further include a debit processing registration means for storing the debit processing registration information matching the telephone number information of the user communication terminal in the storage means.

In addition, the debit processing registration means according to the present invention transmits a message for confirming whether the debit processing registration registration to the user communication terminal, if the user communication terminal is not registered through the information confirmation means, Receiving the debit processing registration request information corresponding to the message to confirm whether the debit processing registration information, the payment means information and the user authentication information of the user may be stored in the storage medium.

In addition, the debit processing registration means according to the invention, characterized in that for receiving the debit processing registration request information and the user's payment means information from a separate terminal and storing in the storage medium.

The voice call-based payment processing server according to the present invention is installed in the user communication terminal when the voice call-based payment processing through the user communication terminal, the phone number information of the merchant communication terminal in the voice call connection process between the user communication terminal and the merchant communication terminal And the information receiving unit for receiving the phone number and order payment information of the merchant communication terminal and payment means information of the user required for the order payment through an application for confirming the order payment information corresponding to the order through the voice call, Check the merchant phone number information matching the telephone number information of the merchant communication terminal through a storage medium that connects and stores merchant phone number information and payment means for each payment method issuing merchant for requesting and processing the merchant. And, the number of payments associated with the confirmed merchant phone number information Information checking unit for verifying payment merchant specific information corresponding to the user's payment means information of the payment merchant specific information for each issuer, the payment method information and the payment means information of the user required for the order payment and the payment merchant unique information It is provided with an information processing unit that performs a role of processing the payment according to the order payment using.

In addition, the voice call-based payment processing server according to the present invention, the transmission unit for transmitting the details of the order payment to the user communication terminal and the storage unit for storing the details and payment processing results for the order payment on the storage medium It may be further provided.

Each component of the voice call-based payment processing server according to the present invention can be implemented in a program form, and the present invention includes a computer-readable recording medium recording the program.

In this case, the main function of the program, when the voice call-based payment processing through the user communication terminal, installed in the user communication terminal to check the phone number information of the merchant communication terminal in the voice call connection process between the user communication terminal and the merchant communication terminal, The function of receiving the telephone number and order payment information of the merchant communication terminal and payment means information of the user required for the order payment through an application for confirming the order payment information corresponding to the order through a voice call, the merchant phone number information and Check the merchant phone number information matched with the telephone number information of the merchant communication terminal through a storage medium that connects and stores payment authorization specific information for each payment means issuer for processing and requesting payment approval for the affiliate store. Payment by issuer associated with merchant phone number A function of confirming payment merchant specific information corresponding to the payment means information of the user among blind spot unique information, and using the order payment information and payment method information of the user required for payment of the order and the payment merchant unique information Executes the function to process the payment according to the payment.

In addition, the application according to the present invention, when the phone number information of the merchant communication terminal, when the voice call connection from the user communication terminal to the merchant communication terminal, is input through a key input unit provided in the user communication terminal Confirming the key tone to confirm the merchant communication terminal phone number information, or confirming the merchant communication terminal telephone number information in connection with the voice call connection program provided in the user communication terminal, or managing the contact provided to the user communication terminal Characterized in that the merchant communication terminal phone number information in connection with the program, when the voice communication connection from the merchant communication terminal to the user communication terminal, check the CID (Caller-ID) of the merchant communication terminal, Or through a message received from the merchant communication terminal. Check or check in conjunction with the program installed in the merchant communication terminal to verify the merchant communication terminal phone number information.

In addition, the application according to the present invention, when confirming the order payment information corresponding to the order through the voice call, confirms the order payment information by checking the key beep input from the merchant communication terminal, or the merchant communication terminal Receiving order payment information from, or voice recognition of the order payment information in the voice call history, or directly received through the key input unit provided in the user communication terminal to confirm the order payment information.

Voice call-based payment processing server according to another embodiment of the present invention, when the voice call-based payment processing through the user communication terminal, is installed in the user communication terminal and the merchant communication in the voice call connection process between the user communication terminal and the merchant communication terminal Check the phone number information of the terminal, and through the application to check the order payment information corresponding to the order through the voice call to the information receiving unit, merchant phone number information and the merchant to receive the telephone number and order payment information of the merchant communication terminal Check the merchant phone number information that matches the phone number information of the merchant communication terminal through a storage medium that stores payment information for each payment means issuer for the payment approval request and processing for the payment method issuing merchant Corresponding to the payment method information of the user of the unique information An information confirmation unit for confirming whether the user registers the payment through direct debit and the payment means information of the user to be applied when registering the payment through direct debit through the unique information of the merchant and the storage medium, the order payment information and the user And an information processing unit that serves to process the payment according to the order payment by using the payment means information and the payment affiliated store unique information.

In addition, the voice call-based payment processing server according to the present invention, if the user communication terminal is not registered for direct debit, transmits a message to confirm whether the debit processing registration registration to the user communication terminal, the debit processing registration The apparatus may further include a direct debit processing registration request information corresponding to the message for confirming whether or not, and a debit processing registration means for receiving the user's payment means information and the user authentication information and storing them in the storage medium.

In addition, the debit processing registration means according to the present invention transmits a message for confirming whether the debit processing registration registration to the user communication terminal, if the user communication terminal is not registered through the information confirmation means, Receiving the debit processing registration request information corresponding to the message to confirm whether the debit processing registration information, the payment means information and the user authentication information of the user may be stored in the storage medium.

In addition, the debit processing registration means according to the invention, characterized in that for receiving the debit processing registration request information and the user's payment means information from a separate terminal and storing in the storage medium.

In the voice call-based payment processing method according to the present invention, when the voice call connection between the user communication terminal and the merchant communication terminal in the application provided in the user communication order orders corresponding to the phone number information of the merchant communication terminal and the order through the voice call Confirming payment information, receiving the telephone number and order payment information of the merchant communication terminal and payment means information of the user required for the order payment through the application at the information receiving means, and the merchant at the information checking means Confirming payment merchant specific information corresponding to the telephone number information of the received merchant communication terminal through a storage medium which stores phone number information and payment authorization request information for the affiliate store and the payment merchant unique information for processing; The order settlement information and the order settlement in information processing means; And processing the payment according to the order payment by using the payment means information of the user and the payment affiliate information unique to the user.

In addition, the voice call-based payment processing method according to the present invention may further comprise the step of transmitting a payment processing result in the information transmission means to the user communication terminal and the merchant communication terminal, through an application installed in the user communication terminal The method may further include receiving goods or service delivery confirmation information corresponding to the order payment and processing the payment amount corresponding to the order payment to be paid to the affiliate store.

In the voice call-based payment processing method according to the present invention, the step of checking the telephone number information of the merchant communication terminal and the order payment information corresponding to the order through the voice call, the voice call connection from the user communication terminal to the merchant communication terminal In the case of confirming the key signal to be input through the key input unit provided in the user communication terminal to confirm the merchant communication terminal phone number information, or in conjunction with the voice call connection program provided in the user communication terminal affiliated store communication terminal Check the phone number information, or check the merchant communication terminal phone number information in connection with the contact management program provided in the user communication terminal, when the voice call connection from the merchant communication terminal to the user communication terminal, the affiliated store Check the CID (Caller-ID) of the communication terminal or Check through a message received from the merchant communication terminal, or check the phone number information of the merchant communication terminal by confirming in conjunction with the program installed in the merchant communication terminal.

In the voice call-based payment processing method according to the present invention, the step of confirming the phone number information of the merchant communication terminal and the order payment information corresponding to the order through the voice call, the order payment corresponding to the order through the voice call Upon confirming the information, confirm order payment information by checking a key signal input from the merchant communication terminal, or receive order payment information from the merchant communication terminal, or recognize the order payment information in a voice call history, Alternatively, the order payment information may be directly received through the key input unit provided in the user communication terminal.

In addition, the voice call-based payment processing method according to the present invention, the step of transmitting a message or data for driving the application from the merchant communication terminal to the user communication terminal before the voice call connection between the merchant communication terminal and the user communication terminal. And driving the application based on the message or data in the user communication terminal.

In the voice call-based payment processing method according to another embodiment of the present invention, when the voice call connection between the user communication terminal and the merchant communication terminal in the application provided in the user communication terminal through the phone number information and the voice call of the merchant communication terminal Checking order payment information corresponding to the order, receiving the telephone number and order payment information of the affiliate communication terminal through the application in the information receiving means, the merchant phone number information and payment for the affiliated store in the information checking means Payment merchant registration information corresponding to the telephone number information of the merchant communication terminal received through the storage medium that stores the payment merchant unique information for approval request and processing registration and automatic transfer processing registration of the user's communication terminal , Check your payment method information. The step includes the step of processing the payment according to the order payment by using the order payment information and payment means information of the user and the payment merchant specific information in the information processing means.

In addition, in the voice call-based payment processing method according to the present invention, when the user communication terminal is not registered for automatic transfer processing, the automatic transfer by receiving the automatic transfer processing registration request information, user authentication information and the user's payment means information The method may further include registering a process.

In the registering of the direct debit processing, if the user communication terminal is not registered to the direct debit processing through the information checking means, and transmits a message for confirming whether or not to register the direct debit processing to the user communication terminal, the automatic Receive the direct debit processing registration request information corresponding to the message for confirming the transfer processing registration information and payment means information and user authentication information of the user and store in the storage medium, or the debit processing registration request information from a separate terminal and Receiving the payment means information of the user may be stored in the storage medium.

The communication terminal for voice call-based payment processing according to the present invention, a voice call connection unit for connecting a voice communication with the merchant communication terminal, and using the contact information input or stored in advance through the key input unit for the voice call connection or Confirming the order information by checking the CID (Caller-ID) of the merchant communication terminal and confirming the telephone number information confirmation unit for confirming the merchant communication terminal telephone number information, and a key signal input from the merchant communication terminal; Order payment information confirmation unit for receiving order payment information from the merchant communication terminal, or recognizing order payment information in a voice call history, or directly receiving order payment information through a key input unit provided in a user communication terminal; The number of payments selected or inputted by the user's payment method information required for payment of the order And a processing unit and said merchant communication terminal number information and payment information, and the order information transmission section for transmitting the payment means information to the server on the communication network.

In addition, the communication terminal for the voice call-based payment processing according to the present invention, the voice call connection interface for connecting the voice communication with the merchant communication terminal, and order payment information is output through the voice call with the merchant communication terminal A payment interface, wherein the voice call connection interface and the order payment interface are divided and provided on a single screen, or a voice call connection interface for connecting a voice communication with a merchant communication terminal and a voice with the merchant communication terminal And an order payment interface for outputting payment information through a currency and a payment method input or selection interface corresponding to the order payment, wherein the voice call connection interface, the order payment interface, and the payment method input or selection interface are on a single screen. It is divided and provided in.

According to the present invention, an interface for menu selection may be further included on the single screen.

In addition, according to the present invention, each component of the communication terminal can be implemented in the form of a program or application, the present invention includes a computer-readable recording medium recording the program or application.

In this case, as a main function of a program or application according to the present invention, when a voice call-based payment processing is performed through a user communication terminal, a merchant communication terminal and a voice call are input through a key input unit for connecting the voice call in a connection process. Check the merchant communication terminal phone number information by using previously stored contact information or by checking the CID (Caller-ID) of the merchant communication terminal, and confirm the key beep input from the merchant communication terminal to check order payment information. Checking or receiving order payment information from the merchant communication terminal, or recognizing order payment information in a voice call history, or directly receiving order payment information through a key input unit provided in a user communication terminal; Select or input the user's payment method information required for payment of the order Performs the function of the function of the merchant communication terminal number information, transmitting the order information and the payment method, payment information to the server on the communication network.

According to the present invention, the order payment information is characterized in that the payment amount information, or the payment amount and order product information, the merchant communication terminal, wired telephone, smartphone, mobile phone, computer, tablet PC, POS terminal It characterized in that it comprises at least one ARS system.

According to the present invention, the user payment means information, credit card payment means information, bank account payment means information, prepaid card payment means information, electronic money payment means information, carrier phone bill payment means information one or more do.

According to the present invention, by using the phone number information and order payment information (that is, payment amount information, etc.) acquired in the voice call process with the payment merchant communication terminal, the user can more conveniently and efficiently mobile through the application installed in the communication terminal. Payment processing can be performed, and through this, the offline merchant can solve the inconvenience and economic waste of having to carry a card payment terminal separately in order to process payment for an order through a voice call.

In addition, in the TV home shopping payment process, it is possible to quickly and quickly make payment through voice call without registering the user's payment method information on the home shopping server, thereby greatly improving the security of the TV home shopping phone payment.

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are incorporated in and form a part of the specification, illustrate preferred embodiments of the invention and, together with the description of the invention given above, serve to further the understanding of the technical idea of the invention. And should not be construed as interpretation.
1 is a diagram showing the configuration of a voice call-based payment processing system according to an embodiment of the present invention.
2 is a diagram illustrating a detailed configuration of a voice call-based payment processing server according to an embodiment of the present invention.
3 is a view showing an embodiment of a storage medium according to another embodiment of the present invention.
4 is a diagram illustrating a detailed configuration of a communication terminal for voice call based payment processing according to another embodiment of the present invention.
5 is a diagram illustrating a voice call-based payment processing process in a communication terminal according to an embodiment of the present invention.
6 is a diagram illustrating a voice call-based payment processing process in the payment processing server according to another embodiment of the present invention.
7 is a diagram illustrating a process for providing an escrow service in a payment processing server according to another embodiment of the present invention.
8 is a diagram illustrating a screen of a user communication terminal according to an embodiment of the present invention.
9 is a diagram illustrating a process of checking whether a direct debit payment is registered and a payment processing process in a communication terminal according to an embodiment of the present invention.
10 is a diagram illustrating a direct debit registration and payment process in a payment processing server for debit payment registration according to an embodiment of the present invention.

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. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

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

1 is a diagram showing the configuration of a voice call-based payment processing system according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a user communication terminal 110, a merchant communication terminal 115, a payment processing server 100, a storage medium 105, an application download server 120, and a financial company on a payment network connected through a communication network. A payment processing system configuration for processing voice call-based orders and payment processing between the server 135, the card company server 130, the van operator server 125, the communication company server 140, and the direct merchant server 145 is illustrated. will be.

In the payment processing system according to the embodiment of the present invention, various configurations may be made according to the method and the communication network connection method.

First, a configuration in which the payment processing server 100 and the storage medium 105 are directly connected and indirectly connected through a communication network or a payment network is possible, and according to the authority and location of the payment processing server 100, payment processing The server 100 is directly connected with the financial company server 135 or the card company server 130 or the carrier server 140 for phone bill payment, and the payment processing server 100 through the relay of the van (VAN) operator server If the configuration is connected to the card company server 130, and the payment processing server 100 directly provides payment processing related information to the merchant server 145, directly from the merchant server 145, the van operator server 125, financial company server ( 135). It is possible to connect to the card company server 130, the communication company server 140 and the like to process the payment approval, although not shown separately on the drawing, the payment processing server 100 and the storage medium 105 and payment network according to the intention of those skilled in the art. The connections between my servers can be configured in various ways.

The payment processing server 100, which is a core component of the payment processing system according to the present invention, is installed in the user communication terminal 110 to process an order and payment through a voice call between the user communication terminal 110 and the merchant communication terminal 115. It transfers data processing of the application and handles it.

The information processing system according to the embodiment of the present invention includes a payment processing server 100 and 100 and a storage medium 105, but when the storage medium 105 is located on an external communication network, It may include only the processing server 100.

The storage medium 105, by default, has a merchant database that stores the phone number information of the payment merchant affiliated with payment means unique information (specific ID, etc.) and one or more merchant information stored by the issuer issuance, and other payment processing reservation A payment history database for storing payment details such as information, payment approval result information, and, in some cases, a member database for storing user information of the user may be provided.

Here, the member information includes all information for identifying a member including at least one member name, address, social security number, network account value (ID, etc.), communication number, and the like. It may include a unique ID and payment payment account (including virtual account) information for each financial company, the merchant information includes one or more merchant identification information for identifying the merchant, such as merchant name, address, map.

The storage medium 105 is registered in advance through the merchant communication terminal 115 to register the phone number information of the payment merchant, payment merchant specific information (unique ID, etc.) and merchant information for each payment method issuer to store and manage in the merchant database. However, the merchant company database may be shared with the financial company server 135, the card company server 130, the van operator server 125, the communication company server 140, and the like.

The merchant communication terminal 115 refers to a terminal for making a voice call with the user communication terminal 110, and includes at least one wired telephone, smart phone, mobile phone, computer, tablet PC, POS terminal, ARS system.

The merchant communication terminal 115 may first request a call connection for payment processing to the user communication terminal 110, and drive the application to the user communication terminal 110 before the voice call connection between the user communication terminals 110 is performed. You can send a message or data.

The user communication terminal 110 serves to provide order payment information including payment amount information to the user communication terminal 110 through a key tone or a separate application or program.

The user communication terminal 110 according to the present invention checks the phone number information of the merchant communication terminal 115 in the voice call connection process with the merchant communication terminal 115, and orders payment corresponding to the order through the voice call It is provided with an application for checking the information, and transmits the phone number and order payment information of the merchant communication terminal 115 and the user's payment means information required for the order payment to the payment processing server 100 through the application. It plays a role.

In addition, the user communication terminal 110 includes both a voice communication function and a multiple communication terminal capable of a data communication function.

The payment network and the financial company server 135, the card company server 130, the communication company server 140, the direct merchant server 145 and the van operator server 125 according to the present invention is directly or with the payment processing server 100. Indirectly connected to serve to process the payment approval and approval response for the order payment requested through the user communication terminal 110, and in some cases payment escrow services by the request of the payment processing server 100 It serves to provide.

Payment approval and approval response processing process through the payment network and financial company server 135, card company server 130, communication company server 140, direct merchant server 145 and van operator server 125 in accordance with the present invention to those skilled in the art Since it is a well-known technique, detailed description will be omitted.

Application download server 120 according to the present invention serves to distribute to the user communication terminal 110 after receiving an application for the user communication terminal 110 through the payment processing server 100, such as App Store or T store. Do this.

Although not specifically disclosed in the drawings in the embodiment of the present invention, when providing the application to the user communication terminal 110, in addition to providing a relay through the application download server 120 directly from the payment processing server 100 It is specified that the user can download to the communication terminal (110).

Here, the application is a kind of program installed in the user communication terminal 110, it is noted that the application term and the program term can be used in the same meaning as described interchangeably.

2 is a diagram showing a detailed configuration of a voice call-based payment processing server 100 according to an embodiment of the present invention.

In more detail, Figure 2 shows a detailed configuration of the payment processing server 100 on the payment processing system shown in Figure 1, each configuration is only for explaining an embodiment of the present invention, The invention is not limited to the technical features only by the implementation method shown in FIG.

Referring to FIG. 2, the payment processing server 100 according to the embodiment of the present invention includes an application manager 250 that is an application management means, an information confirmation unit 220 that is an information verification means, and an information processor that is an information processing means. 200, the authentication unit 215, the payment processing unit 240, escrow processing unit 245 and the data generating unit 230, the information transmission unit which is an information transmission means, the storage unit 235 for storing various information, The payment history management unit 225 manages the payment history, and the encryption / decryption unit 210 that processes the encryption / decryption of information. Merchant database that stores information (such as unique ID) and one or more merchant information, and payment history database that stores payment history such as payment processing reservation information or payment approval result information, and sometimes used. A is configured to include a storage medium 105 having a member database for storing member information.

Here, the payment processing server 100 is shown as a single server in the drawings for the purpose of describing the embodiment, but it is noted that each means or component may be separately configured into one or more servers.

Application management unit 250 according to an embodiment of the present invention, is installed in the user communication terminal 110, when the voice call connection between the user communication terminal 110 and the merchant communication terminal 115, the phone of the merchant communication terminal 115 The application checks the number information, and manages an application for confirming order payment information corresponding to an order through a voice call, and registers an application according to the present invention on an application download server 120 on a communication network so that the application is connected to a user communication terminal ( Process to be distributed to 110 or to directly download the application to the user communication terminal 110.

Information receiving unit 205 according to an embodiment of the present invention, the merchant communication terminal confirmed in the voice call connection process between the user communication terminal 110 and the merchant communication terminal 115 through the application installed in the user communication terminal 110. Receive telephone number information of 115, order payment information corresponding to the order via voice call, and user's payment means information required for the order payment.

For example, when the user communication terminal 110 connects a voice call to a midnight delivery franchise, an application installed in the user communication terminal 110 first checks the telephone number of the late night delivery franchise connected to the voice call, and then voice Order payment information such as payment amount information generated during a call checks the key tone input from the merchant communication terminal 115, or directly receives from the merchant communication terminal 115, or receives order payment information in a voice call history. By voice recognition or by directly receiving the order payment information through the key input unit 455 provided in the user communication terminal 110, the second check the order payment information, the one provided in the user communication terminal 110 Among the payment means described above, the payment means information designated or selected by the user in response to the order payment is third confirmed.

Subsequently, when the application transmits the phone number information, order payment information, and payment means information of the merchant communication terminal 115 identified in the first to third order to the payment processing server 100 through a communication network, the payment processing server ( The information receiver 205 receives the corresponding information.

The information receiving unit 205 receives the telephone number information, order payment information, payment means information of the merchant communication terminal 115 through the user communication terminal 110 and the mobile communication network or VoIP network, and the user communication terminal 110 When requesting a payment escrow service, delivery confirmation information may be further received from the user communication terminal 110 at the time of delivery of the order payment target product.

In addition, the information receiving unit 205 may further receive a variety of information corresponding to the order payment from the merchant communication terminal 115 through a communication network.

When the encryption / decryption unit 210 according to an embodiment of the present invention encrypts at least one of the affiliated store communication terminal 115 phone number information, order payment information, and payment means information that has received the information receiving unit 205, This decryption process serves to provide the decrypted information to the information confirmation unit 220 according to the present invention.

In addition, the encryption / decryption unit 210 is responsible for encrypting the data when the payment approval request data is transmitted from the payment processing server 100 through the communication network through the process.

The information confirmation unit 220 according to the embodiment of the present invention, the merchant phone number matching the phone number information of the merchant communication terminal 115 received through the information receiving unit 205 through the storage medium 105 The information is first confirmed and secondly, merchant information unique to each payment means issuer connected to the confirmed merchant phone number information is secondary.

Thereafter, the information checking unit 220 checks the merchant information unique to the payment method issuing company corresponding to the payment method information of the user received through the information receiving unit 205 among the plurality of payment means issuing merchant specific information.

Data generation unit 230 according to the embodiment of the present invention is the payment information issuing information contained in the merchant's unique information of the payment means issuer confirmed by the information confirmation unit 220 and the order payment information received by the information receiving unit 205 and By using the user payment means information received by the information receiving unit 205, generates payment approval request data (or full text) for requesting payment approval to the payment method issuing server.

According to the present invention, the data generation unit 230 is a full payment approval request in accordance with the method in which the payment processing server 100 is connected with the payment network for payment approval request and approval response processing according to the embodiment of the present invention. It is possible to generate only the configuration itself or only the configuration of the data required to make a payment approval relay request directly to the merchant server 145 or the van operator server 125.

The information processing unit 200 according to an embodiment of the present invention is connected to the authentication unit 215, payment processing unit 240, escrow processing unit 245 together with the control role of each component of the payment processing server 100, the voice call Provides escrow service and processing of approval request and approval response for basic order payment.

The authentication unit 215 according to the embodiment of the present invention is installed in the user requesting the payment, the user communication terminal 110, the user communication terminal 110, an application for transmitting a variety of information, merchant communication terminal 115 The phone number, user payment means, and at least one validity of the various information received through the information receiving unit 205 serves to authenticate.

The payment processing unit 240 according to the embodiment of the present invention transmits the payment approval request data generated by the data generation unit 230 through the information processing unit 200 to the financial company server 135 or the card company server 130 or the communication network. It is processed to be transmitted to a server included in the payment network such as the ban carrier server 125, the carrier server 140 or the direct merchant server 145, and the result of the approval response corresponding to the payment approval request through the server on the payment network When received, the storage of the approval response result and the transmission of the result to the user and merchant communication terminal 115 through the information processing unit 200 to be processed.

According to an embodiment of the present invention, the escrow processor 245 may request that the user request the escrow service, the escrow service may be extended to the point of completion of delivery of the order payment target product to the affiliate store. Request to the financial company or card company corresponding to the payment method, and if the delivery confirmation information through the user communication terminal 110 is received through the information receiving unit 205, request payment payment to the affiliated store to the payment method issuing company. It plays a role.

The authentication unit 215, the payment processing unit 240, and the escrow processing unit 245 are components for explaining the functions and roles of the information processing unit 200, and may be included in all of the information processing unit 200.

The information transmission unit according to the embodiment of the present invention transmits a response result corresponding to the payment approval request according to the order payment confirmed through the information processing unit 200 to the user communication terminal 110 and the merchant communication terminal 115. It serves to transmit various data or information through the payment processing server 100 to a server on a payment network or a communication network.

Storage unit 235 according to an embodiment of the present invention stores a variety of information in the merchant database, member database and payment history database provided on the storage medium 105, according to the embodiment of the present invention The payment history management unit 225 manages payment history stored on the payment history database, and transmits payment history information according to a request of the user communication terminal 110 to the merchant communication terminal 115 from the user communication terminal 110 to the affiliated store. It serves to process to be provided to the communication terminal 115.

According to the present invention, one or more components of each of the components provided in the payment processing server 100 may be configured in the form of a single program or a program set.

3 is a view showing an embodiment of a storage medium 105 according to another embodiment of the present invention.

According to Figure 3, it is a diagram illustrating an embodiment in which the merchant phone number is stored in association with the merchant identification information such as the merchant name and address and the unique ID for each payment issuer of the merchant, and according to the intention of the skilled person, Only a unique ID per payment issuer may be connected and stored.

According to the present invention, the storage medium 105 is provided in the payment processing server 100, or directly connected to the payment processing server 100, or the financial company server 135, card company server 130 or van operator It may be provided in the server 125, the merchant server 145, the communication company server 140, or a third separate server.

In addition, when only an affiliated store database is provided on the storage medium 105 or when an affiliated store database and a payment history database are provided, the storage medium 105 is mounted or detached from the user communication terminal 110. It may be provided in.

4 is a diagram illustrating a detailed configuration of a communication terminal for voice call based payment processing according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates a user communication terminal for transferring an order and payment process through a voice call with an affiliated store communication terminal 115 to data communication between an application installed in the user communication terminal 110 and a payment processing server on a communication network. As a simple functional configuration diagram for the 110, the illustrated communication terminal 110, as shown in Figure 1 above, performs a voice call connection function with the merchant communication terminal 115, at the same time payment processing server ( 100) performs a role of providing the merchant communication terminal 115 phone number information, order payment information and payment means information.

4 is a communication terminal 110 operating on a mobile communication system is applied to the payment processing according to the present invention, although not shown in detail in the drawing, the communication terminal 110 is in terms of hardware in appearance It consists of body, speaker, microphone, keypad, liquid crystal display (LCD), antenna and battery, and internally, code division multiple access (CDMA) modem, central processing unit / micro processing Unit modem, vocoder, and other modem chips (for example, Qualcomm's MSM series modem chips), various memory devices, duplexer filters that separate transmission and reception signals from one antenna, and transmission signals. Amplifying power amplifiers, High Power Amplifiers (HPAs), Isolators that prevent high power transmission signals from reversing, and unwanted out-of-band unwanted waves RF / IF SAW filter for removing signal, frequency up-circuit in transmission path, frequency down-conversion circuit in receive path, Voltage Controlled Temperature Compensated X-tal Oscillator (VCTCXO) corresponding to reference clock source, local signal of frequency up-down conversion It may be configured to include a UHF frequency synthesizer, and a codec chip for converting an analog voice signal into a digital signal, and may include all the functions and configurations of the communication terminal 110 to be developed in the future.

Preferably, the functional configuration of the communication terminal 105 for voice call-based payment processing according to the present invention with reference to the above-described hardware characteristics, as shown, the voice call with the control unit 400 and the interface unit 405 Memory 440, an output unit 460, a key input unit, a voice call connection unit 410, an information transmitting and receiving unit 420, a short-range communication unit 450 and a storage unit 445 for storing the base payment processing program and payment details, etc. And phone number information and order of the reading unit 435 and the merchant communication terminal 115 for inputting and outputting the stored information of the IC chip 430 and the IC chip 430, including the payment means interworking unit 425 and the USIM. It may be configured to include an information check unit 415 and the camera unit 465 for confirming the payment information and payment method information, each of the components may be added or excluded depending on the type and characteristics of the communication terminal 110. .

Referring to FIG. 4, the memory 440 stores a voice call-based payment processing program and payment details, and although not separately illustrated in the drawing, in some cases, stores the merchant database on the storage medium 105 described above. Can store more.

Here, the memory 440 is a predetermined program routine (or code) for controlling the overall operation of the communication terminal 110 and / or program data (for example, when the operation by the program routine (or code) is performed). A general term for a memory device for storing input and output information, and / or data, including a read-only memory (ROM) corresponding to a read-only memory, a flash memory (FM) for reading / writing, and an electrically erasable and EEPROM. Programmable Read Only Memory).

In particular, the memory 440, the voice call-based payment processing according to the present invention, which is executable through the control unit 400, the voice call connection with the merchant communication terminal 115, a key for connecting the voice call during the connection process Using the contact information input or pre-stored through the input unit 455 or checking the CID (Caller-ID) of the affiliate communication terminal 115 to check the affiliate communication terminal 115 telephone number information, and Check order key information from the merchant communication terminal 115 to check order payment information, or receive order payment information from the merchant communication terminal 115, or recognize order payment information in a voice call history, Or a function of directly receiving order payment information through a key input unit 455 provided in the user communication terminal 110, and selecting a user's payment means information required for the order payment. Voice call-based payment processing program for performing at least one function of receiving or receiving, and transmitting the merchant communication terminal 115 telephone number information, the order payment information and the payment means information to a server on a communication network. Can be.

The interface unit 405 according to the embodiment of the present invention outputs a voice call connection interface for connecting a voice call with an affiliated store communication terminal 115 and order payment information through a voice call with the affiliated store communication terminal 115. The order payment interface is provided, and a payment means input or selection interface corresponding to the order payment is provided, and in some cases, an interface for menu selection may be further provided.

The interface unit 405 divides and provides the voice call connection interface and the order payment interface on a single screen, or divides the voice call connection interface, the order payment interface, and a payment method input or selection interface on a single screen. Provide by processing.

Here, the interface for selecting a menu may also be included on a single screen, and the voice call connection interface may be separately provided as a separate interface through a voice call connection program installed in the communication terminal 110.

The interface unit 405 connects a voice call with the affiliated store communication terminal 115 through the voice call connection interface, and outputs an order payment interface and a payment method input or selection interface, or the affiliated store communication terminal 115. When a voice call is connected according to a call connection request, the user may output an order payment interface and a payment method input or selection interface according to a user request input through the key input unit 455.

The voice call connection interface of the interface unit 405 provides a keypad-type interface at the time of voice call connection, and is automatically switched to a standby mode interface after a call connection request.

In addition, the order settlement interface of the interface unit 405 confirms and outputs the order settlement information by checking a key signal input from the merchant communication terminal 115, or the order settlement information from the merchant communication terminal 115. Directly to receive or output, or if the order payment information is voice recognized in the voice call history, check and output the voice-recognized order payment information, or the order payment information directly input through the key input unit 455 Can be printed.

In addition, the order settlement interface communicates with the server or the merchant communication terminal 115 on the communication network through the information transmission and reception unit 420 not only the payment amount but also information about the payment merchant and the order product information, etc. Received from the terminal 115 may be further output.

In addition, the payment means input or selection interface of the interface unit 405 lists or outputs the payment means information or payment means operating applications provided or operable in the user communication terminal 110, or specified by the user. Only one or more specific payment method information or payment method operating applications may be listed and output.

In addition, the payment means input or selection interface to fix the specific payment means information or payment means operating application, and selectively output the remaining payment means information or payment means operating application that is provided or operable in the user communication terminal 110. Can be.

The voice call connection unit 410 according to the embodiment of the present invention connects voice communication with the affiliate communication terminal 115 in response to an affiliate call connection request through the voice communication connection interface, or from the affiliate communication terminal 115. When a call connection request, it performs the role of connecting the merchant communication terminal 115 and the voice call.

The voice call connection unit 410 may connect a voice call through a mobile communication network, or connect a voice call through a VoIP network, and all voice calls may be connected according to the communication technology type.

The information checking unit 415 according to the embodiment of the present invention performs a role of confirming telephone number information, order payment information, and payment means information selected by a user in response to the order payment. do.

The information confirming unit 415, when the affiliated store communication terminal 115 phone number information check, when the voice call connection from the user communication terminal 110 to the affiliated store communication terminal 115, the user communication terminal ( Checking the key signal to be input through the key input unit 455 provided in 110 to confirm the phone number information of the merchant communication terminal 115, or in connection with the voice call connection program provided in the user communication terminal 110 The merchant communication terminal 115 checks the phone number information, or checks the merchant communication terminal 115 phone number information in association with the contact management program provided in the user communication terminal 110.

In addition, the information check unit 415 checks the caller-ID (CID) of the merchant communication terminal 115 when making a voice call connection from the merchant communication terminal 115 to the user communication terminal 110. Merchant communication terminal 115 checks the phone number information, or through a message received from the merchant communication terminal 115, or in conjunction with a program installed in the merchant communication terminal 115 merchant communication terminal 115 Check the phone number information.

In addition, the information confirmation unit 415 confirms the order payment information by checking the key beep input from the merchant communication terminal 115 when confirming the order payment information corresponding to the order through the voice call, or the Receive order payment information from the merchant communication terminal 115, or voice recognition of the order payment information in the voice call history, or directly input the order payment information through the key input unit 455 provided in the user communication terminal 110 I can confirm it.

Here, the numerical information extraction technology and the voice recognition technology through the confirmation of the key signal sound are well known technologies, and thus detailed description thereof will be omitted.

In addition, the information checking unit 415 checks the payment means information that the user selects or inputs in response to the order payment through the payment means input or selection interface in association with the interface unit 405.

Payment means interworking unit 425 according to an embodiment of the present invention is linked to the payment means operating application that is pre-installed or operable in the user communication terminal 110, the payment means selection or input information through the payment means input or selection interface Process the output.

IC chip 430 according to an embodiment of the present invention serves to store one or more payment means information or payment means operating application, the reader 435 according to the embodiment of the present invention is the IC chip 430 Reads one or more payment means information or payment means operation application information stored in the user through the PIN authentication process to output to the payment method input or selection interface.

Information transmitting and receiving unit 420 according to the embodiment of the present invention, the merchant communication terminal 115 confirmed through the information confirmation unit 415 telephone number information, order payment information and payment means information on the payment processing server ( 100), and receives a payment approval response result from the payment processing server 100, and transmits and receives various information such as the merchant communication terminal 115 to the payment processing server 100 and the like. You can do more.

The output unit 460 included in the communication terminal 110 is a liquid crystal display (LCD) driver for outputting a predetermined screen and outputs predetermined information or data to the controller 400 (for example, an LCD). Program data) to output the key data generated through the key input unit and various information, signals, and / or contents extracted and / or generated in the process of performing a predetermined function included in the communication terminal 110 to the LCD. Can play a role.

In particular, according to the present invention, the output unit 460 is characterized in that for outputting the interface screen through the interface unit 405 and various information received through the information transmitting and receiving unit 420.

The storage unit 445 provided in the communication terminal 110 serves to store a voice call-based payment processing program and payment details on the memory 440, and in some cases, on the memory 440. You can store more merchant databases.

Since the key input unit, the camera unit 465 and the short-range communication unit provided in the communication terminal 110 are obvious to those skilled in the art, the description thereof will be omitted.

Meanwhile, among the functions of the illustrated communication terminal 110, the interface 405, the information checking unit 415, the information transmitting / receiving unit 420, the payment means interworking unit 425, and the storage unit 445 are all of the functions. Alternatively, some may be implemented in the form of an application, which is a kind of a voice call-based payment processing program. In this case, the application may include a key input unit 455 for connecting the voice call in the process of connecting the voice call with the merchant communication terminal 115. A function of confirming a merchant communication terminal 115 telephone number information by using the contact information input or stored in advance or by checking a caller ID of the affiliate communication terminal 115, and the affiliate communication terminal 115. Check the key beep input from the) to check the order payment information, or to receive the order payment information from the merchant communication terminal 115, or voice order payment information in the voice call history A function of directly receiving order payment information through a key input unit 455 provided in the user communication terminal 110, selecting or inputting payment means information of a user required for the order payment; A merchant communication terminal 115 performs the function of transmitting the telephone number information, the order payment information and the payment means information to a server on the communication network, it is possible to perform the voice call-based payment processing according to the present invention.

Hereinafter, using the voice call-based payment processing system described above, the order and payment processing through the voice call between the user communication terminal 110 and the merchant communication terminal 115 and the payment processing on the application and communication network installed in the user communication terminal 110. The process of transfer to data communication between servers will be described in more detail.

Here, the application performs the function and role of the component in the communication terminal 110 of FIG. 4 described above, omitting the name of the component in the separate communication terminal 110, to be described as a process through the application. do.

5 is a diagram illustrating a voice call-based payment processing process in a communication terminal according to an embodiment of the present invention.

First, the user communication terminal 110 according to the present invention drives a voice call-based payment processing application pre-installed on the memory 440 (S510), and connects the voice call with the merchant communication terminal 115 through the application. (S515).

Of course, when the voice call is connected from the user communication terminal 110 to the user communication terminal 110 without connecting a voice call from the user communication terminal 110 to the merchant communication terminal 115 (after the voice call connection) In operation S515, the voice call based payment processing application may be driven according to a user's selection.

In the process of the voice call is connected between the user communication terminal 110 and the merchant communication terminal 115, the application checks the phone number information of the merchant communication terminal 115 connected to the voice call (S520).

Here, when making a voice call connection from the user communication terminal 110 to the affiliated store communication terminal 115, the application is a key signal input through the key input unit 455 provided in the user communication terminal 110 Check the merchant communication terminal 115 phone number information to confirm, or in conjunction with the voice call connection program provided in the user communication terminal 110 to confirm the merchant communication terminal 115 phone number information, or the user communication The affiliated store communication terminal 115 checks the phone number information in connection with the contact management program provided in the terminal 110 (S520), and makes a voice call connection from the affiliated store communication terminal 115 to the user communication terminal 110. In this case, the CID (Caller-ID) of the affiliated store communication terminal 115 is confirmed, or confirmed through a message received from the affiliated store communication terminal 115, or the affiliated party Check (S520) in cooperation with the program installed on the communication terminal (115).

Thereafter, the application confirms order payment information including a payment amount during a voice call between the user communication terminal 110 and the affiliated store communication terminal 115 through a key signal sound input from the affiliated store communication terminal 115, or the Directly received from the merchant communication terminal 115, or confirms the order payment information in the voice call history through the voice recognition (S525).

If the order payment information is not confirmed through the process (S525) in the application (S530), the order payment information is directly input through the key input unit 455 provided in the user communication terminal 110 (S535).

When order payment information is confirmed through the process (S525) to (S535), the application outputs the confirmed order payment information on the screen (S540).

Although not illustrated on the drawing, the application receives affiliated store information and product information corresponding to the order payment from a server on a communication network such as the payment processing server 100 or the affiliated store communication terminal 115 together with the order settlement information. Can be output on the screen.

After the order payment information is output, if the payment processing button is selected according to the user's selection and the payment processing is in progress (S545), the application outputs a payment method selection or input interface on the screen, and the user pays for the order payment. The means information is selected (S555).

If the payment processing button is not selected according to the user's selection after outputting the order payment information, the order payment processing is terminated (S550), or the process is not shown on the drawing, but the process is transferred to the order payment reservation processing.

Thereafter, the application collects affiliated phone number information, order payment information, and payment means information obtained in the above-described process and transmits them to a server on a communication network (financial company server, card company server, van operator server, communication company server, direct merchant server, etc.). (S560).

Here, although not illustrated on the drawing, the application may transmit one or more of the merchant phone number information, order payment information and payment means information by encrypting.

6 is a diagram illustrating a voice call-based payment processing process in the payment processing server 100 according to another embodiment of the present invention.

First, the storage unit 235 in the payment processing server 100 stores the merchant communication terminal 115 phone number information and the merchant specific information for each payment issuer on the storage medium 105 (S610).

Of course, although not illustrated, when the storage medium 105 is provided in a separate server on the external communication network, information stored in the storage medium 105 is shared.

The information receiving unit 205 of the payment processing server 100 according to the present invention stores the telephone number and order payment information of the merchant communication terminal 115 transmitted through the application and payment means information of the user required for the order payment. Receive (S615).

Thereafter, the information checking unit 220 of the payment processing server 100 matches with the phone number information of the affiliated store communication terminal 115 received through the information receiving unit 205 through the storage medium 105. The number information is first confirmed, and the affiliated store specific information for each payment means issuer connected to the confirmed affiliated store number is secondly confirmed (S620).

Subsequently, the information checking unit 220 finally confirms the affiliate store specific information of the payment means issuer corresponding to the payment means information of the user received through the information receiving unit 205 among the plurality of payment means issuer affiliated store specific information. (S625).

If, among the plurality of payment means issuing merchant-specific information unique merchants of the payment means issuing company corresponding to the payment means information of the user received through the information receiving unit 205 does not exist (S630), payment processing server 100 generates an error message and transmits it to the user communication terminal 110 (S635).

Subsequently, the data generation unit 230 of the payment processing server 100 performs order payment information received through the information receiving unit 205, payment means information of the user required for the order payment, and the information checking unit 220. The payment approval request data according to the order payment is generated using the payment merchant unique information confirmed through the operation (S640).

Thereafter, the information processing unit 200 of the payment processing server 100 is a server (communication company server, card company server, van operator server, telecommunication company server, direct merchant server) on the communication network for payment approval request data generated by the data generation unit 230 Etc.) to process the payment approval request (S645).

Subsequently, when an approval response result corresponding to the payment approval request is received from the server on the communication network (S650), the information transmitting unit of the payment processing server 100 sends the approval response result to the user communication terminal 110 and the merchant communication terminal ( In step S655, the payment information including the approval response result is stored in the payment history database on the storage medium 105 (S660).

7 is a diagram illustrating a process for providing an escrow service in a payment processing server 100 according to another exemplary embodiment of the present invention.

When the user requests the escrow service at the time of order payment, the escrow processing unit 245 of the payment processing server 100 checks whether the delivery confirmation information is received from the user communication terminal 110 in association with the information receiving unit 205 (S710). .

Thereafter, when the escrow processor 245 confirms that the delivery confirmation information is received from the user communication terminal 110 through the information receiver 205 (S710), the escrow processor 245 then checks the related payment details through the payment history database (S715).

Thereafter, the escrow processing unit 245 checks the payment means issuer information for the corresponding order payment through checking the payment history, and requests payment payment to the order settlement merchant account to the confirmed payment method issuer (S720).

Thereafter, the escrow processing unit 245 checks the payment result of the payment to the affiliated account through the payment means issuer, and then adjusts and adjusts the payment details on the payment history database from unpaid to payment (S725).

8 illustrates an example of an interface of a user communication terminal screen according to an embodiment of the present invention, and illustrates an example of an interface output to the user communication terminal 110 through the application.

As described above in FIG. 4, a voice call connection interface for connecting a voice call with an affiliated store communication terminal 115 through a user communication terminal 110 and an order settlement through a voice call with the affiliated store communication terminal 115. An order payment interface for outputting information and a payment method input or selection interface corresponding to the order payment may be provided. In some cases, an interface for menu selection may be provided.

9 is a diagram illustrating a process of confirming and confirming whether a debit payment is registered in a communication terminal 100 according to an embodiment of the present invention.

First, the user communication terminal 110 according to the present invention drives a voice call-based payment processing application pre-installed on the memory 440 (S910), and connects the voice call to the merchant communication terminal 115 using the application. (S920).

Of course, when the voice call is connected from the user communication terminal 110 to the user communication terminal 110 without connecting a voice call from the user communication terminal 110 to the merchant communication terminal 115 (after the voice call connection) In operation S920, the voice call-based payment processing application may be driven according to a user's selection.

In the process of connecting the voice call between the user communication terminal 110 and the merchant communication terminal 115, the application checks the phone number information of the merchant communication terminal 115 connected to the voice call (S930).

Thereafter, it is checked whether the user communication terminal 110 is registered on the storage medium 105 via the server 100 or not (S940).

When the automatic transfer registration is registered in the user communication terminal 110, the order payment information is checked and output to the user communication terminal 110 (S950).

Thereafter, the user receives the payment request from the user and transmits the user and merchant information and order payment information to the server 100 so that the server 100 can process the payment using the user's purchase means stored on the storage medium 105. do.

If the direct debit registration is not registered in the user communication terminal 110, after confirming the user's intention to register the debit (S945), if the user rejects the debit registration, the payment processing procedure is performed instead of the direct debit. S955), if it is confirmed that the user has a debit registration intention proceeds with the registration process.

10 is a diagram illustrating a debit registration and payment process in the payment processing server 100 for the registration of direct debit payment in accordance with an embodiment of the present invention.

First, in the user communication terminal 100 according to the present invention, the voice call-based payment processing application pre-installed on the memory 440 is driven (S1010), and the voice communication is connected to the merchant communication terminal 115 using the application. (S1015).

Thereafter, the user is authenticated using an official certificate (S1020), and whether the debit has been registered in advance (S1030). If the debit is not registered, the user pays through direct debit and Check the intention as to whether to apply for settlement (S1040)

In this case, the procedure for confirming the payment and settlement request through the user authentication and the automatic transfer of the user may be replaced by a procedure for receiving an input from a separate terminal.

Then, by checking whether the user applies for direct debit (S1050), and when it is determined that the user intends to apply for direct debit, the user receives the user communication terminal information and the user payment means information from the user communication terminal 110 (S1060). .

Thereafter, the payment processing server stores user payment means information and direct debit registration information on the storage medium 105 (S1070).

Thereafter, the merchant communication terminal information and order payment information is received (S1080) and registers the automatic transfer payment and settlement request information for the merchant in the member DB in the storage medium 105.

100: payment processing server 105: storage medium
110: user communication terminal 115: merchant communication terminal
200: information processing unit 205: information receiving unit
210: encryption / decryption unit 215: authentication unit
220: information verification unit 225: payment history management unit
230: data generation unit 235: storage unit
240: payment processing unit 245: escrow processing unit

Claims (25)

A storage medium that connects and stores merchant phone number information and payment merchant specific information for processing and requesting payment approval for the merchant;
Installed in the user communication terminal, the application management to manage the application to check the phone number information of the merchant communication terminal, the order payment information corresponding to the order through the voice call when connecting the voice call between the user communication terminal and the merchant communication terminal Way;
Information receiving means for receiving a telephone number and order payment information of a merchant communication terminal and payment means information of a user required for the order payment through a user communication terminal or the application provided in the user communication terminal;
Confirm the merchant phone number information matching the phone number information of the affiliated store communication terminal received through the information receiving means through the storage medium, and check the information identifying the payment merchant unique information associated with the confirmed merchant phone number information Way;
Generate payment approval request data according to the order payment by using the order payment information received through the information receiving means, the payment means information of the user required for the order payment and the payment merchant specific information confirmed through the information checking means; Information processing means for processing the payment approval request by transmitting the generated payment approval request data to a server on a communication network;
Voice call-based payment processing system including
Information storage means for connecting merchant phone number information with payment merchant specific information for processing and requesting payment approval for the merchant and storing the information on a storage medium;
During voice call-based payment processing through the user communication terminal, it is installed in the user communication terminal to check the phone number information of the merchant communication terminal in the voice call connection process between the user communication terminal and the merchant communication terminal, and responds to the order through the voice call. Information receiving means for receiving a telephone number and order payment information of a merchant communication terminal and payment means information of a user required for order payment through an application for confirming order payment information;
During voice call-based payment processing through the user communication terminal, it is installed in the user communication terminal to check the phone number information of the merchant communication terminal in the voice call connection process between the user communication terminal and the merchant communication terminal, and responds to the order through the voice call. Information receiving means for receiving a telephone number and order payment information of a merchant communication terminal and payment means information of a user required for order payment through an application for confirming order payment information;
Confirm the merchant phone number information matching the phone number information of the affiliated store communication terminal received through the information receiving means through the storage medium, and check the information identifying the payment merchant unique information associated with the confirmed merchant phone number information Way;
Generate payment approval request data according to the order payment by using the order payment information received through the information receiving means, the payment means information of the user required for the order payment and the payment merchant specific information confirmed through the information checking means; And information processing means for processing the payment approval request by transmitting the generated payment approval request data to a server on a communication network.
3. The method according to claim 1 or 2,
The voice caller-based payment processing system further comprises information transmitting means for transmitting the payment approval result to the user communication terminal and the merchant communication terminal when the payment approval result corresponding to the payment approval request is received from the server on the communication network.
The method of claim 1 or 2, wherein the information checking means,
When a plurality of merchant specific information associated with merchant phone number information is confirmed for each payment means issuer, the merchant information unique to the payment means issuer corresponding to the payment means information of the user received through the information receiving means among the plurality of merchant unique information. Voice call-based payment processing system characterized in that the check.
The information processing means according to claim 1 or 2,
When the goods or service delivery confirmation information corresponding to the order payment is transmitted through the application installed in the user communication terminal, the voice call-based payment processing characterized in that the payment amount corresponding to the order payment is processed to be paid to the affiliated store. system.
The method of claim 1 or 2, wherein the application,
When checking the merchant communication terminal phone number information,
When the user communication terminal makes a voice call connection to the affiliated store communication terminal, confirms a key signal tone input through a key input unit provided in the user communication terminal to confirm affiliated store communication terminal telephone number information, or the user communication terminal. Confirming affiliated store communication terminal telephone number information in connection with a voice call connection program provided in the terminal, or confirming affiliated store communication terminal telephone number information in connection with a contact management program provided in the user communication terminal,
When the merchant communication terminal makes a voice call connection to the user communication terminal, a message received from the merchant communication terminal to check the merchant communication terminal telephone number information by checking the caller ID of the merchant communication terminal, or Check through, or check the voice call-based payment processing system, characterized in that in conjunction with the program installed in the merchant communication terminal
The method of claim 1 or 2, wherein the application,
When confirming the order payment information corresponding to the order through the voice call,
Check order key information from the merchant communication terminal to confirm order payment information, or receive order payment information from the merchant communication terminal, or recognize order payment information in a voice call history, or to a user communication terminal Voice call-based payment processing system, characterized in that to receive and check the order payment information directly through the provided key input unit.
The method of claim 1 or 2, wherein the merchant communication terminal,
Voice call-based payment processing system, characterized in that it comprises at least one wired phone, smart phone, mobile phone, computer, tablet PC, POS terminal, ARS system.
The method of claim 1 or 2, wherein the order payment information,
Payment amount information, or
Voice call-based payment processing system, characterized in that the payment amount and order product information.
During voice call-based payment processing through the user communication terminal, it is installed in the user communication terminal to check the phone number information of the merchant communication terminal in the voice call connection process between the user communication terminal and the merchant communication terminal, and responds to the order through the voice call. An information receiving unit receiving a phone number and order payment information of a merchant communication terminal and payment means information of a user required for order payment through an application for confirming order payment information;
Check the merchant phone number information matching the telephone number information of the merchant communication terminal through a storage medium that connects and stores merchant phone number information and payment means for each payment method issuing merchant for requesting and processing the merchant. An information verification unit for verifying payment merchant specific information corresponding to the payment means information of the user among payment merchant specific information for each payment means issuer connected to the confirmed merchant phone number information;
Voice call-based payment processing comprising; an information processing unit that serves to process the payment according to the order payment by using the order payment information, the user's payment means information required for the order payment and the payment merchant unique information; server.
The method of claim 10,
The voice call-based payment processing server further comprises a transmission unit for transmitting the details of the order payment to the user communication terminal.
The method of claim 10,
The voice call-based payment processing server further comprises a storage unit for storing the details of the order payment and payment processing results on a storage medium.
During voice call-based payment processing through the user communication terminal, it is installed in the user communication terminal to check the phone number information of the merchant communication terminal in the voice call connection process between the user communication terminal and the merchant communication terminal, and responds to the order through the voice call. A function of receiving a telephone number and order payment information of a merchant communication terminal and payment means information of a user required for the order payment through an application for confirming order payment information;
Check the merchant phone number information matching the telephone number information of the merchant communication terminal through a storage medium that connects and stores merchant phone number information and payment means for each payment method issuing merchant for requesting and processing the merchant. And checking payment merchant specific information corresponding to the payment means information of the user among payment merchant specific information for each payment means issuer connected to the confirmed merchant phone number information;
A function of processing the payment according to the order payment by using the order payment information, the user's payment means information required for the order payment, and the payment merchant specific information;
A computer-readable recording medium comprising a program for executing the program.
Confirming telephone number information of an affiliated store communication terminal and order payment information corresponding to an order through a voice call when a voice call is connected between the user communication terminal and the affiliated store communication terminal in an application provided in a user communication terminal;
Receiving, by the information receiving means, the phone number and order payment information of the merchant communication terminal and payment means information of the user required for the order payment through the application;
Payment merchant specific information corresponding to the telephone number information of the merchant communication terminal received through the storage medium to connect and store the merchant phone number information in the information verification means and payment authorization request information for the merchant and payment merchant specific information for processing; Confirming;
And processing the payment according to the order payment by using the order payment information, the payment means information of the user required for the order payment, and the payment merchant specific information in the information processing means.
The method of claim 14,
The voice call-based payment processing method further comprising the step of transmitting a payment processing result in the information transmission means to the user communication terminal and the merchant communication terminal.
The method of claim 14,
Receiving goods or service delivery confirmation information corresponding to the order payment through an application installed in the user communication terminal; And
And processing a payment amount corresponding to the order payment to the affiliated store.
The method of claim 14, wherein the checking of the telephone number information of the merchant communication terminal and the order payment information corresponding to the order through a voice call comprises:
When the user communication terminal makes a voice call connection to the affiliated store communication terminal, confirms a key signal tone input through a key input unit provided in the user communication terminal to confirm affiliated store communication terminal telephone number information, or the user communication terminal. Confirming affiliated store communication terminal phone number information in association with a voice call connection program provided in the terminal, or confirming affiliated store communication terminal phone number information in connection with a contact management program provided in the user communication terminal, and wherein the affiliated store communication terminal When a voice call connection is made to a user communication terminal, the CID (Caller-ID) of the merchant communication terminal is confirmed, or a message received from the merchant communication terminal, or interworked with a program installed in the merchant communication terminal. Voice call, characterized in that to confirm Half payment processing method.
The method of claim 14, wherein the checking of the telephone number information of the merchant communication terminal and the order payment information corresponding to the order through a voice call comprises:
When confirming the order payment information corresponding to the order through the voice call,
Check order key information from the merchant communication terminal to confirm order payment information, or receive order payment information from the merchant communication terminal, or recognize order payment information in a voice call history, or to a user communication terminal Voice call-based payment processing method characterized in that to receive and confirm the order payment information directly through the provided key input unit.
The method of claim 14,
Transmitting a message or data for driving the application from the affiliate communication terminal to the user communication terminal before the voice call connection between the affiliate communication terminal and the user communication terminal; And
And driving the application on the basis of the message or data in the user communication terminal.
In the communication terminal,
Voice call connection unit for connecting the voice communication with the merchant communication terminal;
A phone number information verification unit for confirming affiliated store communication terminal phone number information by using contact information inputted through a key input unit or pre-stored contact information for the voice call connection or by checking a caller ID of the affiliated store communication terminal;
Check order key information from the merchant communication terminal to confirm order payment information, or receive order payment information from the merchant communication terminal, or recognize order payment information in a voice call history, or to a user communication terminal Order payment information confirmation unit for receiving the order payment information directly through the provided key input unit;
A payment means processing unit which selects or inputs payment means information of the user required for the order settlement; And
And an information transmitter for transmitting the affiliated store communication terminal phone number information, the order payment information, and the payment means information to a server on a communication network.
The method of claim 20, wherein the voice call connection unit,
A communication terminal for voice call-based payment processing, characterized in that for connecting the merchant communication terminal and the voice call through a mobile communication network or VoIP.
In the communication terminal,
A voice call connection interface for connecting the merchant communication terminal with the voice call;
And an order payment interface for outputting order payment information through a voice call with the merchant communication terminal.
The communication terminal for a voice call-based payment processing, characterized in that the voice call connection interface and the order payment interface is provided divided on a single screen.
In the communication terminal,
A voice call connection interface for connecting the merchant communication terminal with the voice call;
An order settlement interface for outputting order settlement information through a voice call with the affiliated store communication terminal;
A payment means input or selection interface corresponding to the order payment;
The communication terminal for the voice call-based payment processing, characterized in that the voice call connection interface, order payment interface and payment means input or selection interface is divided and provided on a single screen.
24. The method according to claim 22 or 23,
Communication terminal for a voice call-based payment processing further comprises an interface for menu selection on the single screen.
In the process of connecting a voice communication with a merchant communication terminal, the merchant communication terminal telephone number is inputted through a key input unit or previously stored contact information for the voice call connection, or by checking the CID (Caller-ID) of the merchant communication terminal. The ability to verify information;
Check order key information from the merchant communication terminal to confirm order payment information, or receive order payment information from the merchant communication terminal, or recognize order payment information in a voice call history, or to a user communication terminal A function of directly receiving order payment information through a provided key input unit;
Selecting or inputting payment means information of a user required for the order settlement; And
And transmitting the telephone number information of the affiliated store communication terminal, the order payment information, and the payment means information to a server on a communication network.

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