KR20160096064A - ARS service apparatus for telephone payment - Google Patents

Abstract

The present invention relates an exchange device for a phone payment service and, more specifically, to an exchange device for a phone payment service which is configured to use an ARS divided with representative phones per a member store in one exchange device to be mapped, an exchange unit and a payment unit so as to enable even small sized member stores to use a phone payment proxy service at low costs and which enables the small sized member stores to use the phone payment proxy service by presentative phones of the small sized member stores, respectively so as to enable even the small sized member stores to perform advertisement or promotion to customers like large sized member stores.

Description

{ARS service apparatus for telephone payment}

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 financial company 10 of the credit card directly based on the credit card information acquired from the customer via the telephone, and when the transaction approval is received from the credit card company, the customer completes the purchase of the product.

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 exchange apparatus 20 is connected. The switching device means an apparatus having an automatic response system (ARS), a computer telephony integration (CTI), a private branch exchange (PBX), a payment unit, and a recording management unit. The customer can use the ARS designed by the merchant to acquire the necessary information by voice or purchase the product. In addition, if the customer wants to connect directly with the agent, the PBX identifies the IP address of the agent in the standby state and connects the customer and the agent.

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 PG server 200 to request transaction approval. When the payment unit receives transaction approval from the PG server 200, the payment unit completes the purchase of the product by the customer.

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 service switching apparatus 100 according to the present invention.
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 exchange device 100 determines the franchisee of the representative telephone mapped to the telephone call signal of the customer among the registered representative phone franchises , The ARS service of the determined merchant, the agent connection of the determined merchant, and the credit card payment of the determined merchant by the merchant.

A plurality of merchants are registered in the exchange 100. When registering the merchant in the exchange device 100, the representative phone of each merchant, the merchant ARS mapped to each merchant phone, and the group of lines assigned to each merchant are classified and registered When a customer wants to purchase a product at a merchant, the credit card payment is performed for each merchant through the PG server 200 based on an identifier of each merchant, for example, a business registration number or an identification number assigned to each merchant.

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 PG server 200. [

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 service switching apparatus 100 according to the present invention.

4, the switching device 100 includes an ARS unit 110, a switching unit 130, a PBX, a distribution setting management unit 150, and a payment unit 170. Of course, the switching device 100 according to the embodiment of the present invention may additionally include a recording management unit for recording and managing the contents of a telephone conversation between a client and a customer agent, A customer database, and the like, which are within the scope of the present invention.

When a call signal of a representative telephone is inputted from a customer, the ARS unit 110 transmits a representative signal of the representative phone mapped to the customer's call signal among the registered representative phone calls of the merchant, Determines the franchisee of the telephone, connects the franchisee's ARS corresponding to the determined franchisee representative telephone, and provides the voice service of the connected franchisee to the customer.

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 payment unit 170, And requests transaction approval from the PG server 200 through the card information and the merchant identifier. The payment unit 170 transmits the transaction approval details to the customer when the transaction approval is received from the PG server 200. [ According to the field to which the present invention is applied, the transaction approval details can be transferred directly to the terminal requested by the customer from the PG server 200, which is within the scope of the present invention.

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 exchange unit 130 transmits the voice service to the customer via the line in the line group allocated to the merchant And a member shop agent. When the customer desires to purchase the product during the telephone consultation with the agent agent, the customer enters the credit card information through the payment unit 170. The payment unit 170 transmits the credit card information to the PG server 200 through the customer's credit card information and the merchant identifier, To approve the transaction. The settlement unit 170 transfers the transaction approval details to the customer or the agent when the transaction approval is received from the PG server 200. [ According to the field to which the present invention is applied, transaction approval details can be transmitted directly to the terminal or the agent's terminal requested by the customer directly from the PG server 200, which is within the scope of the present invention.

The distribution setting management unit 150 divides the ARS unit 110, the exchange unit 130, and the settlement unit 170 for each merchant based on the distribution setting information input from the manager of the telephone payment proxy service switching apparatus. The setting management unit 150 sets up the ARS unit 110 by mapping each representative phone of the registered affiliated merchant and registers the line group allocated to the registered merchant among the entire lines to the exchange unit 130 And sets the settlement unit 170 so that the customer's credit card settlement is performed according to the registered merchant identifier.

5 is a functional block diagram illustrating an example of an ARS unit according to the present invention.

5, the ARS unit 110 includes a merchant ARS 113 for providing voice service for each registered merchant, and a merchant ARS 113 mapped to the representative telephone of the call signal according to the ARS setting information And an ARS distribution management unit 111.

The ARS setting information is registered and stored in the ARS distribution management unit 111 according to the ARS setting signal input from the distribution setting management unit 150. The ARS setting information includes identification information of the merchant ARS mapped to the representative phone of the merchant and the representative phone of the merchant .

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 setting management unit 150. [ According to the field to which the present invention is applied, the merchant ARS can be formed to be divided according to each merchant, or to be integrated into one and internally divided.

In the meantime, each merchant ARS 113 connects the customer and the settlement unit 170 to each other and provides the merchant identifier to the settlement unit 170 when the customer has a product purchase request from the customer while providing the voice service information, Make sure to approve transactions.

6 is a functional block diagram for explaining an example of an exchange unit according to the present invention.

6, the exchange unit 130 includes an entire line 133 constituted by a line group of each affiliate shop, and an overall line 133 constituted by a line group per merchant line according to the PBX setting information when a telephone connection is made between the customer and the agent agent And a PBX exchange management unit 131 for connecting the customer and the agent agent to each other through the line in the standby state among the groups.

In a case where the entire line of the exchange unit 130 constituting the exchange apparatus is, for example, 200 lines, conventionally, only one franchisee should use 200 lines in total. However, in the present invention, Only some of the 200 lines are allocated. And forms the line group for each merchant with the assigned line. For example, in the case of a merchant A, 70 lines are allocated to 70 lines, and a line group of the merchant A is formed by allocating 70 lines of the total 200 lines. In the case of the merchant B, 100 lines allocated to 100 lines are allocated to the merchant B And in the case of the C franchisee, a line group of the C franchisees is formed by 30 lines allocated by assigning 30 lines out of the total 200 lines.

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 setting management unit 150. The PBX exchange management unit 131 manages the line group for each merchant according to the PBX setting information.

The PBX exchange management unit 131 monitors the use state of the line group for each affiliate shop and determines a line in a standby state that is not connected to the customer in the line group for each affiliate shop and sends a telephone connection request from the ARS unit 110 to the agent agent When a signal is input, the agent is connected to the agent by customer at the customer's point through the line in the waiting state. In the present invention, the agent agent of the agent uses the VoIP terminal, and the PBX exchange management unit 131 relays the telephone connection with the client to the VoIP terminal of the agent in the standby state.

On the other hand, if the customer wants to purchase the product during the telephone connection with the customer agent agent agent, the PBX exchange management section 131 receives the payment request signal from the agent agent of the merchant store, generates a payment signal including the merchant identifier, ). When the payment signal is received, the relay management unit 135 switches the line connection between the customer and the agent agent to the client and the payment unit 170, and provides the agent identifier to the payment unit 170. The settlement unit 170 requests transaction approval from the PG server 200 based on the merchant identifier and credit card information of the inputted customer. When the transaction approval is completed, the relay management unit 135 selectively requests the customer and the payment unit 170) to the customer and the merchant agent.

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 (4)

A plurality of merchant ARSs allocated to each of the merchant's franchised stores to provide voice information for each merchant store and a plurality of merchant ARSs assigned to the merchant's representative phone of the call signal among the plurality of merchant's ARS And an ARS distribution management unit for controlling the connection of the selected merchant ARS to the customer terminal by selecting the merchant ARS;
When the agent connection signal including the merchant point identifier is input from the ARS unit, the franchise point group assigned to the franchise point identifier is determined based on the franchise point identifier among the entire lines of the exchange apparatus, An exchange unit for monitoring the use state of the customer terminal and connecting the agent agent to the customer terminal through a line in a waiting state;
Receiving a credit card information from the customer terminal when there is a product purchase request from the customer terminal, transmitting the credit card identifier and the credit card information to the external payment server, part; And
And a distribution setting management unit for setting and managing the ARS unit, the exchange unit, and the payment unit by dividing them into merchant point identifiers,
Wherein the ARS distribution management unit maps and franchises the ARS to the representative phone number according to the ARS setting information provided by the distribution setting management unit,
Wherein the exchange unit maps and sets the franchise line group in accordance with the PBX setting information provided by the distribution setting management unit for each franchise identifier in the entire line. The apparatus of claim 1,
An entire line consisting of merchant line groups classified as merchant identifier;
A PBX exchange management unit for connecting the agent of the franchisee to a customer through a line in a waiting state among the franchise line groups in accordance with a 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 agent. 3. The apparatus of claim 2, wherein the settlement unit
And when the transaction approval by the affiliated store is performed, transmits transaction approval details to the customer terminal or the agent agent. Determining a representative phone number of a representative of a merchant mapped to a call signal of a customer among the registered representative phone numbers of the merchant;
Determining a merchant ARS mapped to a merchant representative telephone determined among a plurality of merchant ARSs, providing voice guidance to the customer terminal by connecting the determined merchant ARS to the customer terminal;
A franchise line group assigned to the franchisee identifier among the entire lines of the exchange device is determined based on the franchisee identifier when the connection signal with the franchisee agent is input through the franchisee ARS, and the use state of the determined franchisee line group is monitored Connecting the agent of the merchant to the customer terminal through a line in a waiting state; And
Receiving credit card information of the customer when the product purchase request is received from the customer terminal, transmitting the merchant identifier and the credit card information to the external payment server, and performing transaction approval by dividing the credit card information by the registered merchant .
Wherein the franchisee ARS is mapped to the franchise representative phone and the entire line is mapped to the franchisee representative phone by being divided into franchise line groups by each franchisee.

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