KR20210057457A - Mobile payment method using visible ars service - Google Patents

Abstract

Introduced is a mobile payment method using a visible ARS service comprising: a step of providing, by an affiliate store server, an affiliate store URL that connects to the affiliate store homepage to a user terminal when a call is connected between the user terminal and the affiliate store server; a step of connecting the call, by the user terminal, to an ARS server when the user terminal is linked to the provided affiliate store URL, and providing ARS information pre-stored in the user terminal as an image; a step of receiving, by the ARS server, a user order information from the user terminal; a step of call-forwarding, by the ARS server, the user terminal to a payment intermediary server when the received order information includes an online payment request; and a step of requesting payment approval from the payment server when the payment intermediary server receives the payment information. Therefore, the present invention is capable of having an effect of providing visual information.

Description

Mobile payment method using visible ARS service {MOBILE PAYMENT METHOD USING VISIBLE ARS SERVICE}

The present invention relates to a method of providing an ARS service visible to a customer through a mobile terminal and paying through the ARS service at the same time.

An automatic response service or an audio response system (hereinafter referred to as'ARS') is a service or system that automatically responds by a machine to information provided through a human voice.

These ARS services are started by recording voices such as automatic notifications and information services in an analog format on their own drums, and then record short pieces of voice and insert them into the numeric part of the sentence when responding, and are used for telephone number information service and seat reservation service. Became.

ARS service is being used in various fields such as balance inquiry and notification service of banks, securities companies, distribution institutions, etc. that require a person's name or place name by synthesizing product orders or arbitrary words according to the development of technology.

However, in the case of the ARS service so far, despite the continuous development of the mobile communication terminal and the mobile communication network supporting it, a uniform voice-oriented service is provided. There was discomfort, such as having to wait while listening to music.

In order to solve this problem, an application or visible ARS service is provided, but such an application has a problem that membership registration is required, and there is a problem that payment is impossible in the visible ARS service, and thus it is difficult to use it for delivery orders.

The matters described as the background art are only for enhancing an understanding of the background of the present invention, and should not be taken as acknowledging that they correspond to the prior art already known to those of ordinary skill in the art.

KR 10-1425091 B KR 10-2009-0007193 A

The present invention has been proposed to solve this problem, and in the payment authentication and payment request method using visible ARS, the present invention provides a method for continuously requesting ARS payment authentication and payment without interruption while the user is connected to the phone. I want to.

A mobile payment method using a visible ARS service according to the present invention for achieving the above object comprises the steps of: when a call connection between a user terminal and an affiliated store server is made, the affiliated store server provides a user terminal with an affiliated store URL connecting to the affiliated store homepage; If the user terminal is linked to the provided affiliate store URL, the user terminal is connected to an ARS server and provides ARS information previously stored in the user terminal as an image; Receiving, by the ARS server, the user's order information from the user terminal; When the received order information includes an online payment request, transferring, by the ARS server, the user terminal to a payment intermediary server; And a step of requesting payment approval from the payment server when the payment intermediary server receives payment information.

Prior to the step of providing the affiliate store URL, when a call is connected between the user terminal and the relay server, the relay server provides a relay URL for connecting to the relay home page to the user terminal; If the user terminal is linked to the relay URL, the ARS server provides pre-stored affiliate store information as an image to the user terminal; And transferring, by the ARS server, a call connection of the user terminal to an affiliated store server corresponding to an affiliated store selected from the user terminal.

Prior to the step of providing the relay URL, the user terminal receives a phone number or video information for connecting a call to the relay server.

In the step of providing pre-stored affiliate store information as an image, the ARS server receives location information of the user terminal or user information pre-stored in the relay server, and classifies pre-stored affiliate store information based on the received location information or pre-stored user information. Or, it can be arranged and provided to the user terminal.

Prior to the step of providing the affiliate store URL, the user terminal receives a phone number or video information for a call to the affiliate store server.

Prior to the step of transferring the user terminal to the payment intermediary server, the ARS server receives payment information from the user terminal and transmits the received payment information to the payment intermediary server.

After the step of requesting payment approval from the payment server, receiving, by the payment intermediary server, a payment approval result from the payment server; And the ARS server receiving a payment approval result from the payment intermediary server, and transmitting the received payment approval result and order information to the affiliated store server and the user terminal.

After the step of transmitting the payment approval result and order information to the affiliate store server and the user terminal, the affiliate store server provides the order information to the operation server; And transmitting, by the operation server, delivery information including order information to the delivery person terminal.

When the on-site payment request is included in the order information and the delivery information, the operation server receives the payment information from the delivery person terminal and transmits the received payment information to the payment intermediary server; And the payment intermediary server receiving the received payment information and requesting payment approval from the payment server.

After the step of transmitting the delivery information, the ARS server provides a delivery URL that links to an operation homepage that provides delivery status information to the user terminal; may further include.

In the step of transmitting the payment approval result and order information to the affiliated store server and the user terminal, the ARS server may transmit the result to the user terminal through a text message or a mobile messenger.

After the step of providing the affiliate store URL, the user terminal attempts to link to the affiliate store URL automatically or by receiving a link; And when the link to the affiliate store URL fails, connecting, by the ARS server, between the user terminal and the affiliate store terminal through a voice call.

In the step of providing the ARS information previously stored in the user terminal as an image, when it is not the business hours of the affiliated store, or when the member store server receives the input of the suspension information, the previously stored suspension ARS information may be provided.

In the step of receiving the user's order information from the user terminal, the ARS server provides the received order information to the affiliated store server, and the affiliated store server stores the received order information in the affiliated store DB, and the ARS information previously stored in the user terminal is video In the providing step, the ARS server may provide pre-stored order information together with pre-stored ARS information to the user terminal.

Prior to the step of providing the affiliate store URL, the user terminal receives image information and connects the call to the affiliate store server. In the step of providing the affiliate store URL, the location information of the user terminal is checked and preset from the affiliate store. When the user terminal is located within a distance, the affiliate store URL can be provided.

In the step of providing the affiliate store URL, the affiliate store server may provide pre-stored wireless LAN connection information to the user terminal or connect the user terminal to the wireless LAN.

According to the mobile payment method using the ARS service shown in the present invention, it is possible to overcome the limitations of the conventional voice ARS service and provide visual information.

In addition, it has the effect that payment information can be entered into the visible ARS, and payment approval is possible without disconnection of the currency through the transfer.

In addition, when it is used offline inside the store, it is possible to easily order without an employee, thereby reducing labor costs.

1 is a block diagram of a system for implementing a mobile payment method using a visible ARS service according to an embodiment of the present invention.
2 illustrates a user terminal provided with visible ARS service according to an embodiment of the present invention.
3 to 6 are flowcharts illustrating a mobile payment method using visible ARS service according to an embodiment of the present invention.

Specific structural or functional descriptions of the embodiments of the present invention disclosed in this specification or application are exemplified only for the purpose of describing the embodiments according to the present invention, and the embodiments according to the present invention may be implemented in various forms. And should not be construed as being limited to the embodiments described in this specification or application.

Since the embodiments according to the present invention can be modified in various ways and have various forms, specific embodiments are illustrated in the drawings and will be described in detail in the present specification or application. However, this is not intended to limit the embodiments according to the concept of the present invention to a specific form of disclosure, and it should be understood that all changes, equivalents, and substitutes included in the spirit and scope of the present invention are included.

Terms such as first and/or second may be used to describe various components, but the components should not be limited by the terms. The terms are only for the purpose of distinguishing one component from other components, for example, without departing from the scope of the rights according to the concept of the present invention, the first component may be named as the second component, and similarly The second component may also be referred to as a first component.

When a component is referred to as being "connected" or "connected" to another component, it is understood that it may be directly connected or connected to the other component, but other components may exist in the middle. It should be. On the other hand, when a component is referred to as being "directly connected" or "directly connected" to another component, it should be understood that there is no other component in the middle. Other expressions describing the relationship between components, such as "between" and "directly between" or "adjacent to" and "directly adjacent to" should be interpreted as well.

The terms used in the present specification are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In the present specification, terms such as "comprise" or "have" are intended to designate the presence of a set feature, number, step, action, component, part, or combination thereof, but one or more other features or numbers. It is to be understood that the presence or additional possibilities of, steps, actions, components, parts, or combinations thereof are not preliminarily excluded.

Unless otherwise defined, all terms used herein including technical or scientific terms have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs. Terms such as those defined in a commonly used dictionary should be interpreted as having a meaning consistent with the meaning of the related technology, and should not be interpreted as an ideal or excessively formal meaning unless explicitly defined in the present specification. .

Hereinafter, the present invention will be described in detail by describing a preferred embodiment of the present invention with reference to the accompanying drawings. The same reference numerals shown in each drawing indicate the same members.

1 is a block diagram of a system for implementing a mobile payment method using a visible ARS service according to an embodiment of the present invention, and FIG. 2 is a user provided with a visible ARS service according to an embodiment of the present invention. The terminal 10 is shown, and FIGS. 3 to 6 are flow charts of a mobile payment method using an ARS service shown according to an embodiment of the present invention.

Referring to Figures 1 to 6, the mobile payment method using the visible ARS service according to an embodiment of the present invention is when a call connection between the user terminal 10 and the affiliated store server 30 (S220), the affiliated store server 30 Providing an affiliate store URL connecting to the affiliate store home page to the user terminal 10 (S230); If the user terminal 10 is linked to the provided affiliated store URL, the user terminal 10 is connected to the ARS server 20 and provides ARS information previously stored in the user terminal 10 as an image (S240); ARS server 20 receiving the user's order information from the user terminal 10 (S250); When the received order information includes an online payment request, the ARS server 20 transferring the user terminal 10 to the payment intermediary server 50 (S270); And a step of requesting payment approval from the payment server 60 when the payment intermediary server 50 receives payment information (S310).

Here, the user terminal 10 refers to a personal communication device connected to a server or the like through a communication network, and may be a mobile phone, a smart phone, a tablet PC, or a smart pad. In addition, a call between the user terminal 10 and the affiliated store server 30 may mean a general voice call.

In addition, the server is named a server assuming a Wi-Fi or wireless Internet connection of a smartphone, but is a concept including all communication networks connected to the terminal.

Prior to the step of providing the affiliate store URL (S230), the user terminal 10 receives a phone number or video information for a call to the affiliate store server 30 (S210).

In the step (S210) of receiving the phone number or video information, the call of the user terminal 10 may be connected by attempting a call by the user entering the phone number, or the call is connected by receiving video information such as a QR code. Can be (S120).

That is, a user can connect a call through input of a phone number to use a delivery order over a long distance, and connect a call at a table by visiting an affiliated store and entering a QR code.

When the user terminal 10 makes a call to the affiliate store server 30 (S220), the affiliate store server 30 may provide an affiliate store URL to the user terminal 10 to connect to a preset affiliate store home page.

In an embodiment, as shown in FIG. 2, the ARS displayed on the user terminal 10 can be selected, and if the user selects it, a link to the affiliate store URL can be made. In addition, it may be selected to be connected to the delivery order application, and if the delivery order application is not installed, it may be connected to the application installation to install a preset delivery order application. In addition, when the user wants to place an order using a voice call, a voice call can be connected to the affiliated store terminal.

In another embodiment, when the user terminal 10 is connected to a call, it may be automatically connected to the affiliate store URL.

Here, the affiliated store homepage and the affiliated store URL may be a homepage previously stored and provided for each affiliated store by the ARS server 20.

In the step (S240) of providing the ARS information previously stored in the user terminal 10 as an image, when the user terminal 10 is linked to the affiliate store URL and is connected to the affiliate store homepage, the user terminal 10 and the ARS server 20 Currency can be connected. The ARS server 20 may provide preset ARS information to the user terminal 10 as an image. Additionally, voice ARS information may also be provided at the same time.

Specifically, the preset ARS information is information on the service provided by the affiliated store, and in the case of a restaurant, it may be information on menus and prices, and in the case of a proxy operation or quick service, information on the price or the required time, etc. It could be information.

In addition, a blank or a selection tab for guiding the user terminal 10 to input order information may be formed in the preset ARS information, and a description thereof may be included.

In the step (S250) of the ARS server 20 receiving the user's order information from the user terminal 10, the user's name, contact information, detailed address, etc. are input to the user terminal 10, or a selection that can be entered by the user A tab is formed so that a payment method or a menu can be inputted by selection.

In the received order information, a selection tab for whether or not to pay may be formed. The user may select online payment or on-site payment through the user terminal 10. When the received order information includes an online payment request, the ARS server 20 may transfer the user terminal 10 from the ARS server 20 to the payment intermediary server 50.

That is, without disconnecting the call connection of the user terminal 10, the online payment can be made by transferring to the payment intermediary server 50. The payment brokerage server 50 may be a server operated by a VAN company or a PG company.

The payment intermediary server 50 may receive payment information from the user terminal 10. Here, the payment information may be a card number, an expiration date, or a CVC code in case of card payment, or may be a mobile phone number in case of using a mobile phone micropayment. In another embodiment, an image (photo) of a user card may be input, and card information may be extracted from the received image.

In the step of requesting payment approval from the payment server 60 (S310), payment information received by the payment intermediary server 50 may be transmitted to the payment server 60 to request payment approval.

As shown in Figure 4, before the step of providing the affiliate store URL (S230), when a call is connected between the user terminal 10 and the relay server 40 (S120), the relay server 40 is the user terminal 10 Providing a relay URL to connect to the relay home page (S130); When the user terminal 10 is linked to the relay URL, the ARS server 20 provides the previously stored affiliate store information to the user terminal 10 as an image (S140); And the ARS server 20 transferring a call connection of the user terminal 10 to the affiliated store server 30 corresponding to the affiliated store selected from the user terminal 10 (S150).

Prior to the step of providing the relay URL (S130), the user terminal 10 receives a phone number or video information for a call to the relay server 40 (S110).

In the step (S110) of receiving a phone number or video information, the relay server 40 by receiving a phone number to connect a call to the relay server 40 and inputting a voice call connection, or by receiving a QR code exposed on a leaflet, etc. Can be connected to the currency.

In the step (S130) of providing a relay URL connecting to the relay homepage, the relay URL may be provided to connect to the relay homepage previously stored in the ARS server 20 or the like. Pre-stored affiliate store information may be provided on the relay homepage.

Specifically, in the step of providing the previously stored affiliate store information to the user terminal 10 as an image (S140), the relay server 40 or the ARS (video) showing information of affiliated stores subscribed to the relay homepage to the user terminal 10 Can provide.

More specifically, in the step (S140) of providing the previously stored affiliate store information as an image, the ARS server 20 receives the location information of the user terminal 10 or the user information previously stored in the relay server 40, and The previously stored affiliate store information may be classified or sorted based on location information or previously stored user information, and provided to the user terminal 10.

The user's location entered by the user, user information previously stored in the relay server 40, or the approximate location of the user terminal 10 detected in conjunction with a GPS signal can be used to classify or arrange the previously stored affiliate store information. have. In an embodiment, the affiliated stores may be classified for each service provided by the affiliated store, or the affiliated stores may be sorted or classified by a distance from the location of the user or the user terminal 10.

In the step of transferring the call connection of the user terminal 10 to the affiliated store server 30 (S150), the ARS server 20 transfers the user terminal to the affiliated store server 30 corresponding to the affiliated store selected from the user terminal 10. (10) call can be transferred.

That is, the relay server 40 may perform a role of relaying so that the user terminal 10 provides pre-stored affiliate store information and is connected to one of a plurality of pre-stored affiliate store servers 30.

Prior to the step (S270) of transferring the user terminal 10 to the payment intermediary server 50 (S270), the ARS server 20 receives payment information from the user terminal 10 and transfers the received payment information to the payment intermediary server ( The step of transmitting to 50) (S260); may further include.

The ARS server 20 may provide pre-stored ARS information as an image, and may provide ARS information as an image to receive payment information when an online payment request is included in the order information received from the user terminal 10.

In addition, the ARS server 20 may transmit the payment information inputted before or at the same time as the transfer to the payment intermediary server 50 to the payment intermediary server 50.

After the step of requesting payment approval from the payment server 60 (S310), the payment intermediary server 50 receiving a payment approval result from the payment server 60 (S320); And the ARS server 20 receiving the payment approval result from the payment intermediary server 50 (S330), and transmitting the received payment approval result and order information to the affiliated store server 30 and the user terminal 10 (S340). ); may further include.

The payment server 60 may be a financial institution server or a card company server, or a server that is directly connected to these servers to perform payment. The payment server 60 may receive payment information from the payment intermediary server 50 and approve the payment.

The payment intermediary server 50 may be provided as a result of whether or not the payment server 60 approves payment, and may transmit the received payment approval result to the ARS server 20. The ARS server 20 may transmit the payment approval result and order information to the affiliated store server 30 and the user terminal 10 together.

Specifically, in the step (S340) of transmitting the payment approval result and order information to the affiliated store server 30 and the user terminal 10, the ARS server 20 is transferred to the user terminal 10 through a text message or a mobile messenger. I can. The payment approval result and order information may be transmitted to the affiliated store server 30 through a text message or mobile messenger, but may be displayed on a printer or monitor located at the counter or kitchen through a separate program used by the affiliated store server 30. .

In an embodiment, when the payment approval result is a failure, only the payment approval result may be transmitted to the user terminal 10, and neither the payment approval result nor the order information may be transmitted to the affiliated store server 30.

After the step (S340) of transmitting the payment approval result and order information to the affiliated store server 30 and the user terminal 10, the affiliated store server 30 provides the order information to the operation server 70 (S410); And transmitting, by the operation server 70, delivery information including order information to the delivery person terminal 80 (S420).

The operation server 70 may be a server of a company that performs delivery, proxy operation, and quick service. In particular, when the affiliated store is a restaurant, the operation server 70 may be a server of a company that performs delivery.

The affiliated store server 30 may provide order information to the operation server 70 when order information is input and delivery is included in the input order information. The operation server 70 may deliver delivery information including order information to the delivery person terminal 80.

The delivery information includes order information such as the type of service ordered and the address of a user to receive delivery, and may include additional information such as the location of the affiliate store or the delivery request time.

The operation server 70 may transmit some of the delivery information to the plurality of delivery person terminals 80, and if approved by the delivery person terminal 80, it is determined to the corresponding delivery person terminal 80 and transmits the entire delivery information. Operation server 70 may select the earliest approved deliveryman terminal 80, or store the priorities for each deliveryman terminal 80.

In another embodiment, the operation server 70 is updated in real time with a list of delivery agent terminals 80 and their locations currently available for delivery, and the operation server 70 automatically selects the nearest delivery person terminal 80 from the affiliated store. Thus, the delivery person terminal 80 can be designated.

When the on-site payment request is included in the order information and delivery information, the operation server 70 receives payment information from the delivery person terminal 80 and transmits the payment information to the payment intermediary server 50 (not shown); And the payment intermediary server 50 receiving the received payment information and requesting payment approval from the payment server 60 (not shown).

When on-site payment is selected in the user terminal 10, payment information may be inputted from the delivery person terminal 80 upon order delivery. The delivery person terminal 80 may include a card terminal for card payment, or may directly receive the user's card information transmitted to the user.

In the step of requesting payment approval from the payment server 60 (not shown), the payment intermediary server 50 may transmit the received payment information to the payment server 60 and request payment approval.

After the step of delivering the delivery information (S420), the ARS server 20 provides a delivery URL to the user terminal 10 to an operation homepage providing delivery status information (S440); may further include have.

The delivery URL may be transmitted by the ARS server 20 to the user terminal 10 through a text message or a mobile messenger. The operation homepage may update the delivery status, such as the location of the delivery person terminal 80 or the service preparation status of the affiliated store, in real time. Users can check the delivery status in real time by linking to the delivery URL.

After the step of providing the affiliate store URL (S230), the user terminal 10 attempts to link to the affiliate store URL automatically or by receiving a link (not shown); And when the link to the affiliate store URL fails, the ARS server 20 connecting the user terminal 10 and the affiliate store terminal through a voice call (not shown).

In the step of attempting to link to the affiliate store URL (not shown), the user terminal 10 may automatically attempt to connect to the provided affiliate store URL, or when the user manually selects to connect to the provided URL, the link is attempted. can do.

In the step of connecting with a voice call (not shown), if it is impossible to provide visible ARS service, such as in an area where the Internet or the like is not provided, the voice call of the user terminal 10 is transferred to the affiliated store terminal connected to the affiliated store server 30. I can connect.

In the step (S240) of providing the ARS information previously stored in the user terminal 10 as an image, if it is not the business hours of the affiliated store, or when the member store server 30 receives the input of the suspension information, the previously stored suspension ARS information is Can provide.

When the user terminal 10 is connected to the affiliated store server 30 in a closed state or not during business hours, the ARS server 20 may provide pre-stored closed ARS information. At the same time, it is possible to provide the user terminal 10 with information on business hours or closure of the affiliated store.

In the step (S250) of receiving the user's order information from the user terminal 10, the ARS server 20 provides the received order information to the affiliated store server 30, and the affiliated store server 30 provides the received order information. It can be stored in the affiliate store DB.

In addition, when the user makes a call connection between the relay server 40 and is connected to the affiliated store server 30 accordingly, the ARS server 20 provides the received order information to the relay server 40, and the relay server 40 May store the received order information in the relay DB.

In the step (S240) of providing the ARS information previously stored in the user terminal 10 as an image, the ARS server 20 may provide the previously stored order information to the user terminal 10 together with the previously stored ARS information.

The ARS server 20 may receive the order information stored in the affiliate store DB or the relay DB and provide it to the user terminal 10 together with the previously stored ARS information. In particular, a user's selection may be input so that some or all of the order information previously stored in the user terminal 10 is inputted as it is.

Prior to the step of providing an affiliate store URL (S230), the user terminal 10 receives image information and connects a call to the affiliate store server 30 (not shown); further comprising, providing an affiliate store URL In S230, when the user terminal 10 is located within a preset distance from the affiliate store by checking the location information of the user terminal 10, the affiliate store URL may be provided.

Here, the image information may be, for example, a QR code. The user terminal 10 may connect a call to the affiliated store server 30 by receiving a QR code by using a camera function inside the affiliated store.

In this case, it is possible to order without an employee by entering a QR code located for each table in the store of the affiliated store, and the table location can be recognized from the QR code without having to enter a separate table number.

In this case, the affiliate store server 30 receives the location of the user terminal 10 or distance information from the affiliate store and determines whether the user terminal 10 is located within a preset distance (for example, within a radius of 1 [km]). can do. The affiliate store server 30 may provide the affiliate store URL only when the user terminal 10 is located within a preset distance.

In particular, if the affiliated store is a branch that does not provide delivery service, the affiliated store server 30 provides the affiliated store URL only when the user terminal 10 is located within a preset distance, and if it is out of a preset distance, a call connection is made. Can be automatically blocked.

In addition, in the step of providing the affiliate store URL (S230), the affiliate store server 30 may provide pre-stored connection information of the WLAN to the user terminal 10 or connect the user terminal 10 to the WLAN.

Specifically, the affiliate store server 30 provides the affiliate store URL only when the user terminal 10 is located within a preset distance, and at the same time provides WIFI connection information provided by the affiliate store, or can automatically connect to the affiliate store WIFI.

Accordingly, it is possible to ensure that the link to the affiliate store URL and the connection with the ARS server 20 are not disconnected, while maintaining a high transmission speed.

Although shown and described in connection with a specific embodiment of the present invention, it is understood in the art that the present invention can be variously improved and changed within the limit without departing from the technical spirit of the present invention provided by the following claims. It will be obvious to those of ordinary skill.

10: user terminal 20: ARS server
30: affiliated store server 40: relay server
50: payment intermediary server 60: payment server
70: operation server 80: delivery person terminal

Claims (16)

Providing, by the affiliate store server, an affiliate store URL for connecting to the affiliate store home page to the user terminal when a call is connected between the user terminal and the affiliate store server;
If the user terminal is linked to the provided affiliate store URL, the user terminal is connected to an ARS server and provides ARS information previously stored in the user terminal as an image;
Receiving, by the ARS server, user order information from the user terminal;
When the received order information includes an online payment request, transferring, by the ARS server, the user terminal to a payment intermediary server; And
Mobile payment method using a visible ARS service comprising a; step of requesting payment approval from the payment server when the payment intermediary server receives payment information. The method according to claim 1,
Prior to the step of providing the affiliate store URL, when a call is connected between the user terminal and the relay server, the relay server provides a relay URL for connecting to the relay home page to the user terminal;
If the user terminal is linked to the relay URL, the ARS server provides pre-stored affiliate store information as an image to the user terminal; And
The ARS server transferring a call connection of the user terminal to an affiliated store server corresponding to the affiliated store selected from the user terminal; and a mobile payment method using a visible ARS service, further comprising. The method according to claim 2,
Prior to the step of providing the relay URL, the user terminal receiving a phone number or video information for a call connection to the relay server; a mobile payment method using a visible ARS service, characterized in that it further comprises. The method according to claim 2,
In the step of providing pre-stored affiliate store information as an image, the ARS server receives location information of the user terminal or user information pre-stored in the relay server, and classifies pre-stored affiliate store information based on the received location information or pre-stored user information. Mobile payment method using a visible ARS service, characterized in that provided by the user terminal or arranged. The method according to claim 1,
Prior to the step of providing the affiliate store URL, the user terminal receives a phone number or video information for a call to the affiliate store server. The method according to claim 1,
Prior to the step of transferring the user terminal to the payment intermediary server, the ARS server receives payment information from the user terminal and transmits the received payment information to the payment intermediary server. Mobile payment method using. The method according to claim 1,
After the step of requesting payment approval from the payment server, receiving, by the payment intermediary server, a payment approval result from the payment server; And
The ARS server receives the payment approval result from the payment intermediary server, and transmits the received payment approval result and order information to the affiliated store server and the user terminal; further comprising a mobile payment method using a visible ARS service. The method of claim 7,
After the step of transmitting the payment approval result and order information to the affiliated store server and the user terminal, the affiliated store server provides the order information to the operation server; And
Mobile payment method using a visible ARS service, characterized in that it further comprises; transmitting, by the operation server, delivery information including order information to the delivery person terminal. The method of claim 8,
When the on-site payment request is included in the order information and the delivery information, the operation server receives the payment information from the delivery person terminal and transmits the received payment information to the payment intermediary server; And
The payment brokerage server receiving the received payment information and requesting payment approval from the payment server; Mobile payment method using the visible ARS service, characterized in that it further comprises. The method of claim 8,
After the step of delivering the delivery information, the ARS server provides a delivery URL to the user terminal to connect to an operation homepage that provides delivery status information. Mobile payment method using a visible ARS service, characterized in that it further comprises. The method of claim 7,
In the step of transmitting the payment approval result and order information to the affiliated store server and the user terminal, the ARS server transmits it to the user terminal through a text message or a mobile messenger. The method according to claim 1,
After the step of providing the affiliate store URL, the user terminal attempts to link to the affiliate store URL automatically or by receiving a link; And
If the link to the affiliated store URL fails, the ARS server connecting the user terminal and the affiliated store terminal through a voice call; a mobile payment method using a visible ARS service, further comprising. The method according to claim 1,
A visible ARS service, characterized in that, in the step of providing the ARS information previously stored in the user terminal as an image, and providing pre-stored suspension ARS information when it is not the business hours of the affiliated store or when the affiliate store server receives the input of the suspension information Mobile payment method using. The method according to claim 1,
In the step of receiving the user's order information from the user terminal, the ARS server provides the received order information to the affiliated store server, and the affiliated store server stores the received order information in the affiliated store DB,
In the step of providing the ARS information stored in the user terminal as an image, the ARS server provides the previously stored order information together with the stored ARS information to the user terminal. The method according to claim 1,
Prior to the step of providing the affiliate store URL, the user terminal receives image information and connects a call to the affiliate store server; further comprising,
In the step of providing an affiliate store URL, a mobile payment method using a visible ARS service, characterized in that when the user terminal is located within a preset distance from the affiliate store by checking the location information of the user terminal, the affiliate store URL is provided. The method of claim 15,
In the step of providing an affiliate store URL, the affiliate store server provides pre-stored wireless LAN connection information to the user terminal or connects the user terminal to the wireless LAN.

Images