KR20160073765A - ARS service apparatus for telephone payment - Google Patents
ARS service apparatus for telephone payment Download PDFInfo
- Publication number
- KR20160073765A KR20160073765A KR1020140182499A KR20140182499A KR20160073765A KR 20160073765 A KR20160073765 A KR 20160073765A KR 1020140182499 A KR1020140182499 A KR 1020140182499A KR 20140182499 A KR20140182499 A KR 20140182499A KR 20160073765 A KR20160073765 A KR 20160073765A
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- Prior art keywords
- merchant
- customer
- ars
- unit
- agent
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/07—Split billing, i.e. both A-party and B-party charged for the communication
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/09—Third party charged communications
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/50—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP for cross-charging network operators
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
- H04M15/52—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP for operator independent billing system
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- Engineering & Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
The present invention relates to an exchange apparatus for a telephone payment service, and more specifically, by using an ARS, an exchange unit, and a payment unit which are mapped to a representative telephone by a merchant in one exchange apparatus, Service, and a small-sized merchant uses a telephone settlement service using his / her representative telephone, thereby enabling a small-sized merchant to advertise or promote the same to a customer as a large-sized merchant .
Currently, the means by which a customer makes a payment with a card can be roughly divided into three cases.
The first is a case where a customer's card is read to a card terminal provided in a store and the card is paid through a VAN (Value Added Network) company. The second is a case where a card is settled using an Internet payment transaction service (PG) by an authentication procedure in Internet commerce. At this time, the VAN company and the Internet payment service (PG) serve as a gateway to the merchant so that the merchant does not have to connect with various card companies. The third is the case of using a telephone to settle the card (hereinafter referred to as "hand-held payment").
1 is a diagram for explaining a handwriting settlement system.
More specifically, referring to FIG. 1, when a customer calls a representative telephone of an affiliated shop, the customer is connected to the agent.
The customer informs the agent about the product to be purchased. The agent inquires about the information of the credit card owned by the customer, for example, the card number, the cardholder name, the expiration date, the password, etc. . The agent requests approval from the
However, in order to pay for the transaction, the merchant must make a credit card company and a phone approval special, that is, a "money rider". When a credit card transaction is made over the phone, a transaction that does not generate a sales ticket is usually called a hand receipt because the sales table is handwritten. Therefore, in the case of credit card payment by phone, credit card company does not allow any franchise or handicap rider because it is accompanied by hand account. In order to make a credit card contract, credit card company must pay a certain amount of cash collateral. .
Furthermore, since the credit card payment is made by telephone through the counselor, the customer has a risk of informing the counselor of all the personal information necessary for credit card payment, which is not desirable from the viewpoint of personal information protection.
In order to solve the problems of hand-held payment, a large-scale merchant uses a telephone settlement service (ARS-PG).
FIG. 2 is a view for explaining a telephone settlement agency service system. Referring to FIG. 2, when a customer calls a representative telephone of a merchant, the
The customer inquires and orders the product to be purchased by the customer. If the customer wants to pay with the credit card, the agent transmits the information of the credit card held by the customer through the payment unit, such as the card number, the card holder name, And the like, and the payment unit transmits the input credit card information to the
Here, the PG server is a server for providing credit card payment service, and provides a service that allows a user to pay for and pay for a commodity with a credit card or other payment means when a user wants to purchase a commodity. PG Service is a service provider that collects and manages subcontractors and takes charge of all matters such as authentication of sellers and buyers in order to perform payment service using credit card in Internet commerce, ≪ / RTI >
Since the credit card payment is made through the PG server in the case of such a telephone payment agency service system, the merchant does not have to make a special deal with the credit card company separately, and since the credit card information of the customer is inputted through the payment unit, Credit card information is not disclosed to counselors or merchants, so customers can be protected and transaction stability can be secured.
However, in order to construct a telephony payment agent service system, a large amount of money is required, and thus, a telephone payment agent service is mainly performed at a large-scale merchant.
Therefore, the customer can use the merchant who built the telephone payment agent service system as a large-scale merchant and trust the merchant more. For this reason, the small merchant can not easily understand the inconvenience of the hand- And the like. Therefore, even a small-sized franchisee is eagerly demanding a telephone payment agency service system used in a large-scale merchant.
According to this demand, when the same one representative telephone is assigned to a plurality of small merchants and the customer calls the same representative telephone, the user selects the merchant whom the user wants to connect through the ARS voice service, A method of performing credit card settlement through a PG server has been proposed.
However, in such a case, a small merchant can not promote / advertise using his / her representative telephone number, and a customer who is assigned a representative telephone number to a plurality of small merchants must listen to the ARS voice service for a long time and re- There is an inconvenience.
SUMMARY OF THE INVENTION The present invention has been made to solve the problems of the above-mentioned telephone settlement agency service system, and it is an object of the present invention to provide a telephone settlement agency service exchange apparatus which can use a telephone settlement agency service at low cost even in a small- .
Another object of the present invention is to provide a switching device for a telephone payment agent service in which a small merchant can use a telephone payment agent service with his / her representative telephone using one switching device.
In order to accomplish the object of the present invention, the exchange apparatus for telephone payment service according to the present invention determines a franchise point of a representative phone mapped to a call signal of a customer among representative phone numbers registered in the franchise store, When the connection signal between the ARS unit for providing voice guidance through the corresponding ARS and the agent for each merchant is inputted through the ARS unit, the usage status of the line allocated to each merchant is monitored, An exchange unit for connecting an agent and a customer to each customer through a line in a waiting state, and a credit unit for receiving a customer's credit card information when a product purchase request is received from the customer and transmitting the credit card information of the customer to an external payment server, A settlement unit that performs transaction approval, and an ARS unit, an exchange unit, and a settlement unit, Times set is characterized in that it comprises a management unit.
Preferably, the ARS unit includes an ARS distribution management unit for selectively connecting the merchant ARS of the representative phone mapped to the call signal according to the ARS setting information input through the distribution setting management unit, .
Wherein the ARS distribution management unit maps and sets the merchant ARS to the representative telephone of the merchant according to the ARS setting information.
Preferably, the exchange unit connects the agent and the customer by the merchant through the line in the queue of the merchant line group according to the PBX setting signal inputted through the distribution setting management unit and the entire line composed of the line group by the merchant shop classified by the merchant shop And a relay manager for switching the line in the waiting state to the settlement unit and relaying the connection between the customer and the settlement unit when the settlement request signal is received from the counselor according to the merchant.
Here, the PBX exchange management unit maps and sets a line group for each affiliate shop according to the PBX setting information.
Wherein the settlement unit transmits the merchant identifier and the credit card information of the customer to the external payment server to perform transaction approval for each merchant.
In this case, when the transaction approval is performed for each merchant, the settlement unit transmits the transaction approval details to the customer or agent for each merchant.
According to an aspect of the present invention, there is provided a method for operating a telephone set exchange service switching device, the method comprising: determining a franchise point of a representative telephone mapped to a call signal of a customer, Providing voice guidance through the ARS of the franchisees determined by the ARS corresponding to each registered franchisee; and, when a signal of connection to the agent by the franchisee is input through the ARS, the agent and the customer by the franchisee And receiving credit card information of the customer when the product purchase request is received from the customer and transmitting the credit card information of the customer to the external payment server to perform transaction approval by dividing the credit card information by the merchant .
Herein, the merchant ARS is mapped by the merchant, and the entire line is divided into the merchant line group and is mapped by the merchant.
Herein, the merchant identifier and the credit card information of the customer are transmitted to the external payment server to perform transaction approval for each merchant.
The switching device for telephone payment agent service according to the present invention has the following effects.
First, the exchange device for telephone payment service according to the present invention uses the ARS, the exchange part, and the payment part, which are mapped to the representative phone by each merchant in one exchange device, so that even in the case of a small merchant, Can be used.
Second, according to the present invention, an exchange apparatus for a telephone payment agent service uses a telephone exchange agent service on a representative telephone of each of a small merchant using one exchange device, so that even in the case of a small merchant merchant, You can advertise or promote.
Third, the telephone exchange service switching device according to the present invention relays the merchant so that the merchant can purchase the merchandise through the external payment server, so that even if the merchant performs the telephone settlement at the small merchant shop, Can be safely protected.
1 is a diagram for explaining a handwriting settlement system.
2 is a diagram for explaining a telephone billing agency service system.
3 is a diagram for explaining a telephone billing agency service system according to the present invention.
FIG. 4 is a functional block diagram for explaining a telephone settlement
5 is a functional block diagram illustrating an example of an ARS unit according to the present invention.
6 is a functional block diagram for explaining an example of an exchange unit according to the present invention.
FIG. 7 is a flowchart illustrating an operation method of the telephone exchange service switching device according to the present invention.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will now be described more fully with reference to the accompanying drawings, in which exemplary embodiments of the invention are shown.
3 is a diagram for explaining a telephone billing agency service system according to the present invention.
3, when the customer calls the representative telephone of the franchisee, the
A plurality of merchants are registered in the
Therefore, each merchant can advertise and advertise to the customer by a representative telephone unique to the merchant. The customer can receive a representative phone call unique to the merchant (for example, when three merchant points A, B, and C are registered, The representative telephone of the merchant B, and the representative telephone of the merchant C) to receive the ARS voice service of the merchant, the counselor of the merchant, and the merchant through the PG server.
As described above, in the case of the telephone exchange service switching device according to the present invention, different representative telephones are registered for each merchant in one switching device, and the ARS service, the exchange service, and the payment service are separately classified for each merchant, So that it is possible to secure the credit card information of the customer safely without performing any special handover by performing the credit card settlement through the
In the present invention, as an example of an external payment server for performing transaction approval, a PG server will be described, but various external payment servers for credit card payment may be used depending on the field to which the present invention is applied.
FIG. 4 is a functional block diagram for explaining a telephone settlement
4, the
When a call signal of a representative telephone is inputted from a customer, the
When the customer wants to purchase the product through the ARS while receiving the voice service of the merchant through the merchant ARS accessed by the customer, the credit card information of the customer is inputted through the
On the other hand, if the customer wishes to make a call with the agent of the merchant while receiving the voice service of the merchant through the merchant ARS accessed by the customer, the
The distribution
5 is a functional block diagram illustrating an example of an ARS unit according to the present invention.
5, the
The ARS setting information is registered and stored in the ARS
Here, the merchant ARS registers and stores the contents of the voice service for each merchant according to the ARS management signal input from the distribution
In the meantime, each
6 is a functional block diagram for explaining an example of an exchange unit according to the present invention.
6, the
In a case where the entire line of the
The information on the line group for each merchant is provided in the PBX setting information of the PBX setting signal input from the distribution
The PBX
On the other hand, if the customer wants to purchase the product during the telephone connection with the customer agent agent agent, the PBX
FIG. 7 is a flowchart illustrating an operation method of the telephone exchange service switching device according to the present invention.
7, when a representative telephone call signal is input from a customer, the customer is determined to be a representative of a representative telephone mapped to a call signal of a customer among the representative phones of the respective merchant stores registered in the database (S110).
The voice guidance service of the merchant is provided through the ARS mapped to the merchant of the representative telephone determined in the ARS of each merchant registered and registered in the database (S120). The contents of the voice guidance service of each merchant are stored in the database separately for each merchant.
If it is determined that there is a product purchase request from the customer through the merchant ARS (S130), the credit card information of the customer is inputted through the settlement unit when there is a product purchase request, and the transaction is approved by the PG server based on the credit card information of the customer and the merchant store identifier (S140).
If it is determined that there is an agent connection request from the customer through the merchant ARS (S150), the agent connects to the customer agent through the line in the waiting state among the line groups of the affiliated shop (S160).
(S170). If the payment request signal is received, the credit card information of the customer is inputted through the settlement unit. Then, based on the credit card information of the customer and the merchant point identifier, (S180).
The above-described embodiments of the present invention can be embodied in a general-purpose digital computer that can be embodied as a program that can be executed in a computer and operates the program using a computer-readable recording medium.
The computer-readable recording medium may be a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), an optical reading medium (e.g. CD ROM, Lt; / RTI > transmission).
While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is evident that many alternatives, modifications and variations will be apparent to those skilled in the art. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.
100: Switching device 200: PG server
110: ARS 130: exchange part
150: distribution setting management unit 170:
111: ARS distribution management unit 113: merchant ARS
131: PBX exchange management unit 133: Line group
135: Relay manager
Claims (10)
When the connection signal to the agent by agent point is input through the ARS unit, judges the use state of the line allocated to each agent point among all the lines provided, An exchange unit for connecting the customer;
A payment unit for receiving the credit card information of the customer when the product purchase request is received from the customer, transmitting the credit card information of the customer to the external payment server, And
And a distribution setting management unit for setting and managing the ARS unit, the exchange unit, and the settlement unit by franchise point.
A merchant ARS that provides voice information separated by merchants; And
And an ARS distribution management unit for selectively connecting a franchise point ARS of a representative telephone mapped to a call signal according to the ARS setting information input through the distribution setting management unit.
Wherein the agent is configured to map the merchant ARS to the representative telephone of the merchant according to the ARS setting information.
An entire line consisting of line groups per merchant grouped by merchant;
A PBX exchange management unit for connecting the agent to the customer by the customer through the line in the waiting state among the line groups for each merchant according to the PBX setting signal inputted through the distribution setting management unit; And
And a relay manager for relaying the connection between the customer and the settlement unit by switching the line in the waiting state to the settlement unit when receiving the settlement request signal from the agent according to the merchant point.
And mapping and setting the line group for each merchant for each merchant according to the PBX setting information.
And transmits the merchant identifier and the credit card information of the customer to the external payment server to perform transaction approval for each merchant.
And when the transaction approval by the merchant is performed, transmits transaction approval details to the customer or the agent according to the merchant.
Providing voice guidance through an affiliate shop ARS corresponding to an affiliate shop determined by the ARS of each registered affiliate shop;
Connecting an agent for each merchant store to the customer through an assigned line for each merchant store when a connection signal to an agent for each merchant store is inputted through the ARS; And
Receiving credit card information of the customer when the product purchase request is received from the customer and transmitting the credit card information of the customer to the external payment server and performing transaction approval by dividing the credit card information by the merchant's point of sale How to operate an exchange for payment agent services.
Wherein the merchant ARS is mapped to a representative telephone of each merchant, and the entire line is divided into line groups by merchant and is mapped by merchant.
And transmits the merchant identifier and the credit card information of the customer to the external payment server so as to perform transaction approval for each merchant.
Priority Applications (1)
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KR1020140182499A KR20160073765A (en) | 2014-12-17 | 2014-12-17 | ARS service apparatus for telephone payment |
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KR1020140182499A KR20160073765A (en) | 2014-12-17 | 2014-12-17 | ARS service apparatus for telephone payment |
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KR1020160098164A Division KR20160096064A (en) | 2016-08-01 | 2016-08-01 | ARS service apparatus for telephone payment |
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