KR101863230B1 - System and method for voice-call-based payment process, payment process server, communication terminal, and recording medium thereof - Google Patents

Abstract

The present invention relates to a voice call-based payment processing method and system, a payment processing server, a communication terminal and a recording medium for the same, and a payment processing system according to the present invention is characterized by comprising: And a control unit which is installed in the user communication terminal and confirms the telephone number information of the merchant communication terminal when a voice call is established between the user communication terminal and the merchant communication terminal, An application management unit that manages an application for confirming order payment information corresponding to the customer settlement information; and an application management unit that manages the order payment information and the phone number of the merchant communication terminal through the application provided in the user communication terminal or the user communication terminal, An information receiving means for receiving the payment means information of the user; , Information of merchant phone number information matching the phone number information of the merchant communication terminal received through the information receiving means through the storage medium, information for confirming the settlement merchant store unique information linked to the confirmed merchant phone number information A settlement approval request for the order settlement using the order settlement information received through the information receiving means, the payment means information of the user required for the order settlement, and the settlement merchant unique information confirmed through the information checking means, And information processing means for processing the payment approval request by transmitting the generated payment approval request data to the server on the communication network.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a voice call-based payment processing method and system, a payment processing server, a communication terminal, and a recording medium,

According to the present invention, an order and payment processing through voice communication between a user communication terminal and a merchant communication terminal is transferred to data communication between an application installed in the user communication terminal and a payment processing server on the communication network, To improve the quality of life.

The mobile payment market using mobile communication terminals such as user smartphones is gradually expanding. However, the mobile payment market is mainly composed of settlement processing at the online shopping malls, and the offline shopping malls The mobile communication terminal and the merchant communication terminal, after placing an order by voice call, processing the payment with the portable card terminal held by the cash settlement or the delivery carrier at the time of delivery of the order goods off-line, There is an inconvenience that the settlement money should be deposited into the account of the offline merchant through the Internet banking, so that the payment market itself can not be formed.

On the other hand, in the case of TV home shopping, telephone ordering and settlement are performed, but in this case, since the user has to call the delivery address, the card number, and the expiration date in a voice call, And the card number information of the user is stored in advance by the home shopping company in order to shorten the time for ordering and settlement. However, this has an illegal element due to the unauthorized storing of the user card number, It has a problem.

SUMMARY OF THE INVENTION An object of the present invention is to solve the above problem by transferring an order and payment process through voice communication between a user communication terminal and a merchant communication terminal to data communication between an application installed in a user communication terminal and a payment processing server on a communication network , A method and system for greatly improving convenience and security of voice call-based payment processing, and a settlement processing server, a communication terminal and a recording medium therefor.

A voice call-based payment processing system according to the present invention comprises: a storage medium for storing and storing merchant phone number information and settlement authorization specific information for a payment approval request and processing for the merchant; An application management unit that manages an application for confirming telephone number information of a merchant communication terminal and confirming order settlement information corresponding to an order through a voice call when a voice call is connected between the merchant communication terminal and the user communication terminal, An information receiving means for receiving the telephone number of the merchant communication terminal and order payment information and the payment means information of the user required for the order settlement through the application provided in the communication terminal; Matching with the received phone number information of the merchant communication terminal An information confirming unit for confirming the merchant phone number information of the merchant phone number information and the confirmation information of the merchant phone number information associated with the confirmed merchant phone number information, Generates settlement approval request data according to the order settlement using the settlement means information and the unique information of the settlement merchant site confirmed through the information confirmation means, and transmits the generated settlement approval request data to the server on the communication network to process the settlement approval request Information processing means.

The voice call-based payment processing system according to another embodiment of the present invention includes an information storage unit for storing the phone number information of the affiliated store, the payment approval request for the affiliated store, and the unique information of the payment merchandise for processing, And a control unit that is installed in the user communication terminal and confirms the telephone number information of the merchant communication terminal in a voice call connection process between the user communication terminal and the merchant communication terminal in response to the voice call based payment processing through the user communication terminal, An information receiving means for receiving the telephone number of the merchant communication terminal and the order payment information and the payment means information of the user required for the order settlement through an application for confirming the order payment information; The merchant store information matching with the phone number information of the merchant communication terminal Information confirming means for confirming the number information and confirming the merchant's unique information linked to the confirmed merchant's telephone number information; and an information confirming means for receiving the order settlement information received through the information receiving means and the payment means information And an information processing unit configured to generate payment approval request data according to the order settlement using the settlement merchant unique information confirmed by the information confirmation unit, transmit the generated payment approval request data to a server on the communication network, Means.

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

The information confirming means according to the present invention is characterized in that when a plurality of merchant unique information linked to the merchant phone number information is identified for each issuer of the merchant, And the information processing means according to the present invention is characterized in that the information processing means according to the present invention is characterized in that the information processing means has a function of confirming merchandise delivery confirmation information The settlement amount corresponding to the order settlement is paid to the merchant.

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

The system for processing a voice call based payment according to another embodiment of the present invention is characterized in that the system for processing a payment based on a voice call includes an agent telephone number information, merchant unique information for requesting and processing payment approval for the merchant, telephone number information of the user communication terminal, A storage means for storing information on whether or not the payment processing is to be processed by automatic debit and a payment means information of a user for automatic debit processing; a storage means installed in the user communication terminal for establishing a voice call connection process between the user communication terminal and the merchant communication terminal, The order number of the communication terminal, the telephone number of the communication terminal, and the order payment information corresponding to the order through the voice call, Information receiving means for receiving information, The merchant phone number information matching with the phone number information of the merchant communication terminal received through the information receiving means, the payment merchant unique information linked to the confirmed merchant phone number information, An information confirming means for confirming the payment means information of the user when the user communication terminal is registered in automatic debit processing, a settlement approval request data And transmits it to the server on the communication network to process the payment approval request.

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

Further, the automatic transfer processing registration means according to the present invention transmits a message for confirming whether the user communication terminal is registered in the automatic transfer processing, when the user communication terminal is not registered in the automatic transfer processing via the information confirmation means, Receiving the automatic transfer processing registration request information corresponding to the message for confirming whether or not to register the automatic transfer processing and the payment means information and the user authentication information of the user and storing the received information in the storage medium.

Further, the automatic transfer processing registration means according to the present invention may receive the automatic transfer processing registration request information and the payment means information of the user from a separate terminal, and store the information in the storage medium.

A voice call-based payment processing server according to the present invention is installed in a user communication terminal in a voice call-based payment processing through a user communication terminal and is provided with a telephone number information of a merchant communication terminal in a voice call connection process between a user communication terminal and a merchant communication terminal An information receiver for receiving a telephone number of the merchant communication terminal and order settlement information and payment means information of a user required for the order settlement through an application for confirming order settlement information corresponding to an order through a voice call; The merchant phone number information matching the phone number information of the merchant communication terminal through the storage medium for connecting and storing the merchant phone number information and the settlement agent issuing agent's unique information for requesting and processing payment approval for the merchant And the number of payments associated with the confirmed merchant phone number information An information confirming unit for confirming settlement merchant unique information corresponding to the user's payment means information among the issuer-specific payment merchant unique information, And an information processing unit for processing the settlement according to the order settlement by using the settlement unit.

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

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

In this case, as a main function of the program, in the voice call-based payment processing through the user communication terminal, the telephone communication terminal installed in the user communication terminal confirms the telephone number information of the merchant communication terminal during the voice call connection process between the user communication terminal and the merchant communication terminal, A function of receiving the telephone number of the merchant communication terminal and the order payment information and the payment means information of the user required for the order settlement through the application for confirming the order payment information corresponding to the order through the voice call, Confirming the merchant phone number information matching the phone number information of the merchant communication terminal through a storage medium storing and connecting the unique information of the payment agent issuing agent for requesting and processing payment approval for the merchant, Billing by payment method associated with merchant phone number information A function of confirming the settlement merchant unique information corresponding to the payment means information of the user among the blind spot unique information and a function of acquiring the order information by using the order settlement information and the payment means information of the user required for the order settlement, And executes a function of processing payment by settlement.

In addition, the application according to the present invention may further include a key input unit provided in the user communication terminal, when the user communication terminal makes a voice call connection from the user communication terminal to the merchant communication terminal at the time of confirming the phone number information of the merchant communication terminal The telephone number information of the merchant communication terminal is checked by checking the key signal tone or the telephone number information of the merchant communication terminal is confirmed in connection with the voice call connection program provided in the user communication terminal, (CID) of the merchant communication terminal when the voice call connection is made from the merchant communication terminal to the user communication terminal, or to confirm the caller ID of the merchant communication terminal, Or through a message received from the merchant terminal Or confirms the telephone number information of the merchant communication terminal in cooperation with the program installed in the merchant communication terminal.

In addition, the application according to the present invention may be configured such that upon confirming the order payment information corresponding to the order through the voice call, the application confirms the order payment information by checking the key signal tone input from the merchant communication terminal, The order settlement information is received from the user or the order settlement information is directly received through the key input unit provided in the user communication terminal.

In a voice call-based payment processing server according to another embodiment of the present invention, a voice call-based payment processing server installed in a user communication terminal during a voice call-based payment processing through a user communication terminal, performs a voice call connection process between a user communication terminal and a merchant communication terminal, An information receiving unit for confirming the telephone number information of the terminal and receiving the telephone number of the merchant communication terminal and the order payment information through an application for confirming the order payment information corresponding to the order through the voice call; And a payment means for issuing a settlement means for processing payment approval for merchant payment information for merchant payment. The merchant phone number information matching the phone number information of the merchant communication terminal is checked through a storage medium storing unique information of the merchant payment agent, Corresponding to the payment means information of the user among the unique information An information confirming unit for confirming the merchant unique information and the payment means information of the user to be applied at the time of payment registration by whether the user registers the payment through automatic transfer or through the automatic transfer, through the storage medium, And payment processing means for processing the settlement according to the order settlement using the settlement means information of the settlement agent and the settlement agent unique information.

In addition, the voice call-based payment processing server according to the present invention may further comprise: a message transmission unit for sending a message for confirming whether or not the user communication terminal is registered in the automatic transfer processing to the user communication terminal when the user communication terminal is not registered for automatic transfer, And the automatic payment processing registration means receives the payment information and the user authentication information of the user and stores the information in the storage medium.

Further, the automatic transfer processing registration means according to the present invention transmits a message for confirming whether the user communication terminal is registered in the automatic transfer processing, when the user communication terminal is not registered in the automatic transfer processing via the information confirmation means, Receiving the automatic transfer processing registration request information corresponding to the message for confirming whether or not to register the automatic transfer processing and the payment means information and the user authentication information of the user and storing the received information in the storage medium.

Further, the automatic transfer processing registration means according to the present invention may receive the automatic transfer processing registration request information and the payment means information of the user from a separate terminal, and store the information in the storage medium.

A method for processing a voice call based payment according to the present invention is a method for processing a voice call based payment in an application provided in a user communication terminal when a voice call is made between the user communication terminal and a merchant communication terminal, A step of receiving payment information from the information reception means via the application; a step of receiving, from the information confirmation means, the telephone number of the merchant communication terminal and the order payment information and the payment means information of the user required for the order payment; Confirming the merchant unique information corresponding to the phone number information of the received merchant communication terminal through the storage medium storing the telephone number information and payment merchant unique information for requesting and processing payment approval for the merchant; , The information processing means transmits the order settlement information and the order settlement information And processing the settlement according to the order settlement using the payment means information of the user and the unique information of the settlement merchant.

According to another aspect of the present invention, there is provided a method for processing a payment based on a voice call, the method comprising the steps of: transmitting a payment processing result from the information transmission means to the user communication terminal and the merchant communication terminal; Receiving the goods or service delivery confirmation information corresponding to the order payment, and processing the payment amount corresponding to the order payment to be paid to the merchant.

In the voice call-based payment processing method according to the present invention, the checking of the telephone number information of the merchant communication terminal and the order settlement information corresponding to the order through the voice call may include: transmitting, from the user communication terminal to the merchant communication terminal, The user can check the telephone number information of the merchant's communication terminal by checking the key signal inputted through the key input unit provided in the user communication terminal or check the telephone number information of the merchant's communication terminal, The telephone number information of the merchant communication terminal is checked in connection with the contact management program provided in the user communication terminal or the telephone number information of the merchant communication terminal is confirmed in connection with the contact management program provided in the user communication terminal, The CID (Caller-ID) of the communication terminal, The confirmation can be confirmed through a message received from the merchant communication terminal or in cooperation with the program installed in the merchant communication terminal to confirm the telephone number information of the merchant communication terminal.

In the method of processing a voice call based payment according to the present invention, the step of confirming the telephone number information of the merchant communication terminal and the order payment information corresponding to the order through the voice call may include: When confirming the information, confirming the order payment information by checking the key signal tone inputted from the merchant communication terminal, receiving the order payment information from the merchant communication terminal, or recognizing the order payment information among the voice call details, Or, the user can input and confirm the order payment information directly through the key input unit provided in the user communication terminal.

The method of processing a voice call based payment according to the present invention may further include transmitting a message or data for driving the application from the merchant communication terminal to the user communication terminal before a voice call connection is established between the merchant communication terminal and the user communication terminal And driving the application based on the message or data in the user communication terminal.

A method for processing a voice call based payment according to another embodiment of the present invention is a method for processing a voice call based on a call connection between a user communication terminal and an affiliate shop communication terminal in an application provided in a user communication terminal, Receiving an order settlement information corresponding to an order from the information receiving means; receiving the telephone number and order payment information of the merchant communication terminal through the application from the information receiving means; Through the storage medium storing the merchant store unique information for approval request and processing, the payment merchant unique information corresponding to the telephone number information of the received merchant communication terminal, the registration information of the automatic transfer processing of the user communication terminal and the automatic transfer processing registration The payment method information of the user is checked. And processing the settlement according to the order settlement using the order settlement information, the payment means information of the user, and the unique information of the settlement merchant in the information processing means.

According to another aspect of the present invention, there is provided a method for processing a voice call based payment, comprising the steps of: receiving automatic payment processing registration request information, user authentication information, and payment means information of a user when the user communication terminal is not registered for automatic transfer processing; And registering the process.

If the user communication terminal is not registered in the automatic transfer processing via the information confirmation means, the step of registering the automatic transfer processing transfers a message for confirming whether the user communication terminal is registered in the automatic transfer processing, Receiving the automatic transfer processing registration request information corresponding to the message for confirming whether or not to register the transfer processing and the payment means information and the user authentication information of the user and storing the received information in the storage medium, And the payment means information of the user is received and stored in the storage medium.

A communication terminal for performing a voice call-based payment processing according to the present invention includes a voice call connection unit for connecting a voice call with a merchant communication terminal, and a voice call connection unit for using the contact information input through the key input unit, A telephone number information confirmation unit for confirming the telephone number information of the merchant communication terminal by confirming the CID (Caller-ID) of the merchant communication terminal; and a telephone number confirmation unit for confirming the order payment information by checking the key signal tone input from the merchant communication terminal, An order settlement information confirmation unit for receiving the order settlement information from the merchant communication terminal or voice recognition of the order settlement information among the voice call history or directly inputting the order settlement information through the key input unit provided in the user communication terminal, The number of settlement means for selecting or inputting the payment means information of the user required for the order settlement And a processing unit and said merchant communication terminal number information and payment information, and the order information transmission section for transmitting the payment means information to the server on the communication network.

According to another aspect of the present invention, there is provided a communication terminal for a voice call-based payment processing, the communication terminal comprising: a voice call connection interface for connecting a voice call with a merchant communication terminal; A voice call connection interface for providing the voice call connection interface and the order settlement interface on a single screen and providing the voice call connection interface or the voice call connection with the merchant communication terminal; An order settlement interface for outputting order settlement information through a call; and a payment means input / selection interface corresponding to the order settlement, wherein the voice call connection interface, the order settlement interface, As shown in FIG.

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

Further, according to the present invention, each component of the communication terminal can be implemented in the form of a program or an application, and the present invention includes a computer-readable recording medium in which the program or application is recorded.

In this case, as a main function of the program or the application according to the present invention, in a voice call-based payment processing through a user communication terminal, a voice call is input through a key input unit for connection of a voice call with a merchant communication terminal, A function of confirming the telephone number information of the merchant communication terminal by using the pre-stored contact information or by checking the CID (Caller-ID) of the merchant communication terminal, and a function of confirming the key signal sound inputted from the merchant communication terminal, A function of receiving order settlement information from the merchant communication terminal or voice recognition of order settlement information in a voice call history or inputting order settlement information directly through a key input unit provided in a user communication terminal, The user selects or inputs the payment means information of the user required for the order payment Performs the function of the function of the merchant communication terminal number information, transmitting the order information and the payment method, payment information to the server on the communication network.

According to the present invention, the order payment information is payment amount information, or a payment amount and order product information. The merchant communication terminal may be a wired phone, a smart phone, a mobile phone, a computer, a tablet PC, a POS terminal , And an ARS system.

In addition, according to the present invention, the user payment means information includes at least one of credit card payment means information, bank account payment means information, prepaid card payment means information, electronic money payment means information, and communication company phone bill payment means information do.

According to the present invention, by using the telephone number information and the order payment information (i.e., payment amount information) acquired in the voice call process with the payment merchant communication terminal, the user can conveniently and efficiently So that it is possible to solve the inconvenience and economic waste of the carrier carrying the card payment terminal separately in order to process payment for the order through the voice call at the offline merchant.

Also, since the settlement means information of the user is not registered in the home shopping operator server in the process of settlement of the TV home shopping, it is possible to quickly and promptly settle the settlement through voice communication, thereby greatly improving the security of the TV home shopping telephone settlement.

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

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

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

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

1 is a block diagram illustrating a user terminal 110, a merchant communication terminal 115, a payment processing server 100, a storage medium 105, an application download server 120, A settlement processing system configuration for processing voice call-based ordering and payment processing between the server 135, the card issuer server 130, the van company server 125, the communication company server 140, and the direct agent server 145 will be.

The payment processing system according to the embodiment of the present invention can be configured in various ways according to the method of operation and the communication network connection method.

First, the configuration in which the settlement processing server 100 and the storage medium 105 are directly connected can be indirectly connected via a communication network or a payment network. Depending on the authority and location of the settlement processing server 100, A configuration in which the server 100 is directly connected to the financial company server 135 or the card company server 130 or the communication company server 140 for payment of a vender and the configuration in which the payment processing server 100 is connected to a server And the settlement processing server 100 directly provide the settlement processing related information to the merchant server 145. The merchant server 145 directly accesses the van dealer server 125 and the financial company server 135). The payment server 100 and the storage medium 105 and the settlement network 105 may be connected to the card issuer server 130 and the communication company server 140 to process payment approval. The connections between my servers can be variously configured.

The settlement processing server 100 which is a core constitution of the settlement processing system according to the present invention performs the order and settlement processing through the voice communication between the user communication terminal 110 and the merchant communication terminal 115 in the user communication terminal 110 And transfers the data to the application's data communication.

The information processing system according to the embodiment of the present invention includes the settlement processing server 100 and the storage medium 105 and the storage medium 105. When the storage medium 105 is located on the external communication network, Only the processing server 100 can be included.

The storage medium 105 basically has a merchant database that stores the telephone number information of the merchant's payment merchant in connection with the merchant unique information (unique ID and the like) and the merchant merchant information, A payment history database for storing payment details such as information and payment approval result information, and a member database for storing user's member information as the case may be.

Herein, the member information includes all information that can identify a member including at least one of a member name, an address, a resident number, a network account value (ID, etc.), a communication number, and the merchant- (Including a virtual account), and the like. The merchant information includes at least one merchant identification information for identifying a merchant, such as a merchant name, an address, and a map.

The storage medium 105 stores the phone number information of the settlement merchant in advance through the merchant communication terminal 115, and stores and manages the merchant unique information (unique ID, etc.) and merchant store information for each issuer in the merchant database However, it is also possible to share the merchant database established in the financial company server 135, the card company server 130, the van company server 125, the communication company server 140, and the like.

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

The merchant communication terminal 115 may first request a call connection for payment processing to the user communication terminal 110 and may transmit the call connection request to the user communication terminal 110 before a voice call connection is established between the user communication terminals 110 Lt; RTI ID = 0.0 > and / or < / RTI >

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

The user communication terminal 110 according to the present invention confirms the telephone number information of the merchant communication terminal 115 in the process of establishing a voice call with the merchant communication terminal 115, And transmits the phone number of the merchant communication terminal 115, order payment information, and payment means information of the user required for the order settlement to the payment processing server 100 through the application .

The user communication terminal 110 includes both a voice communication function and a data communication function.

The settlement network and the financial transaction server 135, the card company server 130, the communication company server 140, the direct merchant server 145 and the van carrier server 125 may be directly connected to the payment processing server 100 And is responsible for processing the payment approval and authorization response for the order payment requested through the user communication terminal 110, and in response to the payment transaction escrow service requested by the payment processing server 100, To provide the necessary information.

The payment approval and approval response processing process through the payment network and the financial company server 135, the card company server 130, the communication company server 140, the direct merchant server 145 and the van carrier server 125 according to the present invention Since it is a well-known technology, detailed description will be omitted.

The application download server 120 according to the present invention registers an application for the user communication terminal 110 through the payment processing server 100 such as an application store or a T store and distributes the application to the user communication terminal 110 .

Although not specifically shown in the drawings in the embodiment of the present invention, when providing the application to the user communication terminal 110, in addition to providing the relay through the application download server 120, And download it to the user communication terminal 110.

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

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

2 shows a detailed configuration of the settlement processing server 100 on the settlement processing system shown in FIG. 1, and each configuration is only for explaining the embodiment of the present invention, The technical features of the invention are not limited only by the method shown in FIG.

Referring to FIG. 2, the payment processing server 100 according to an embodiment of the present invention includes an application management unit 250 as an application management unit, an information verification unit 220 as an information verification unit, An authentication unit 215, a settlement processing unit 240, an escrow processing unit 245 and a data generation unit 230, an information transmission unit as information transmission means, a storage unit 235 for storing various information, A settlement history management unit 225 for managing payment details, and an encryption / decryption unit 210 for processing encryption / decryption of information, and the phone number information of the settlement merchant according to the method, A payment history database for storing payment details such as payment information, payment information, payment information and settlement approval result information; A is configured to include a storage medium 105 having a member database for storing member information.

Here, although the payment processing server 100 is shown as a single server in the drawing for the sake of explanation of the embodiment, it is to be noted that each of the means and constituent units may be configured separately from one or more servers.

The application management unit 250 according to the embodiment of the present invention is installed in the user communication terminal 110 and when a voice call connection is established between the user communication terminal 110 and the merchant communication terminal 115, Manages an application for confirming number information, confirming order payment information corresponding to an order through a voice call, registers an application according to the present invention on an application download server 120 on a communication network, 110, or to download the application to the user communication terminal 110 directly.

The information receiving unit 205 according to an embodiment of the present invention may be configured to receive information from a merchant communication terminal 110 that is confirmed during a voice call connection process between the user communication terminal 110 and the merchant communication terminal 115 through an application installed in the user communication terminal 110, Order payment information corresponding to the order through the voice call, and payment means information of the user required for the order settlement.

For example, when the user communication terminal 110 connects a voice call with a nightmarish delivery agent, the application installed in the user communication terminal 110 firstly confirms the phone number of the nightlife delivery agent connected to the voice call, The order settlement information such as the settlement amount information generated during the call is confirmed by confirming the key signal inputted from the merchant communication terminal 115 or directly from the merchant communication terminal 115, The order confirmation information is secondarily checked by receiving the order settlement information directly through the key input unit 455 provided in the user communication terminal 110, And third means confirms the payment means information designated or selected by the user in response to the order payment among the payment means.

Then, when the application transmits the telephone number information of the merchant communication terminal 115, the order settlement information, and the payment means information, which are confirmed as the first to third order, to the payment processing server 100 via the communication network, The information receiving unit 205 receives the information.

The information receiving unit 205 receives phone number information, order payment information and payment means information of the merchant communication terminal 115 through the mobile communication network or the VoIP network with the user communication terminal 110, When requesting the payment settlement escrow service, the user can further receive the delivery confirmation information from the user communication terminal 110 at the delivery time of the item to be ordered.

In addition, the information receiving unit 205 can further receive various information corresponding to the order settlement from the merchant communication terminal 115 via the communication network.

If the at least one of the phone number information, the order payment information, and the payment means information of the merchant communication terminal 115 received by the information receiving unit 205 is encrypted, the encryption / decryption unit 210 according to the embodiment of the present invention performs encryption / Decodes it, and provides information decoded by the information check unit 220 according to the present invention.

In addition, the encryption / decryption unit 210 takes charge of encrypting the corresponding data when the settlement processing server 100 transmits the settlement approval request data through the communication network through the process progress.

The information verifying unit 220 according to an embodiment of the present invention may include a merchant telephone number matching the telephone number information of the merchant communication terminal 115 received through the information receiving unit 205 via the storage medium 105, And secondarily confirms the merchant-specific information of each of the payment means issuers linked to the confirmed merchant phone number information.

Then, the information confirmation unit 220 confirms the merchant unique information of the payment means issuer corresponding to the payment means information of the user received through the information receiving unit 205 among the plurality of merchant unique information of the payment means issuer.

The data generating unit 230 according to the embodiment of the present invention generates the payment amount information included in the merchant unique information of the payment method issuer checked by the information checking unit 220 and the order payment information received by the information receiving unit 205, (Or professional) for requesting payment approval to the payment server issuer server using the user payment means information received by the information receiving unit 205. [

According to an embodiment of the present invention, the data generating unit 230 may generate a payment approval request message according to a method of the payment processing server 100 being connected to a payment network for a payment approval request and an approval response process, Or may generate only the configuration of the data required to make a payment approval relay request directly to the merchant server 145 or the van dealer server 125. [

The information processing unit 200 according to an embodiment of the present invention performs the voice communication with the authentication unit 215, the payment processing unit 240, and the escrow processing unit 245, together with the control roles of the respective components of the settlement processing server 100. [ Based order payment processing and escrow service.

The authentication unit 215 according to the embodiment of the present invention includes a user requesting an order settlement, a user communication terminal 110, an application installed in the user communication terminal 110 to transmit various information, an affiliate shop communication terminal 115, The telephone number, the user payment means, and the validity of various kinds of information received through the information receiving unit 205.

The settlement processing unit 240 according to the embodiment of the present invention transmits the settlement approval request data generated by the data generation unit 230 through the information processing unit 200 to the financial company server 135 or the card issuer server 130 or To be transmitted to the server included in the payment network such as the van company server 125 or the communication company server 140 or the merchant server 145 directly, and the approval response result corresponding to the payment approval request through the server on the payment network And stores the result of the approval response through the information processing unit 200 and transmits the result to the user and the merchant communication terminal 115. [

The escrow processing unit 245 according to the embodiment of the present invention may be configured such that when the user requesting the order settlement requests the escrow service, the escrow processing unit 245 transmits the payment payment for the merchant to the user When the delivery confirmation information through the user communication terminal 110 is received through the information reception unit 205, the payment request issuer requests payment of the payment to the merchant by the issuer .

The authentication unit 215, the settlement processing unit 240 and the escrow processing unit 245 may be included in the information processing unit 200 in order to separately describe functions and roles of the information processing unit 200.

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

The storage unit 235 according to the method of the present invention stores various information in the merchant database, the membership database, and the payment history database provided on the storage medium 105, The settlement history management unit 225 manages the settlement history stored in the settlement history database and transmits payment history information to the user communication terminal 110 or the affiliate shop terminal 110 at the request of the user communication terminal 110 or the merchant communication terminal 115. [ To be provided to the communication terminal 115.

According to the present invention, one or more components of each component included in the payment processing server 100 can be configured as a single program or a set of programs.

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

According to FIG. 3, the merchant phone number is stored in association with the merchant store identification information such as the merchant store name and the address, and the unique ID of the payment means issuer of the merchant store. In accordance with the intention of a person skilled in the art, Only the unique IDs of the payment method issuer may be connected and stored.

The storage medium 105 may be provided in the payment processing server 100 or directly connected to the payment processing server 100 or may be connected to the financial company server 135 or the card company server 130, And may be provided in the server 125 or directly in the merchant server 145, the communication company server 140, or the third separate server.

When the merchant database is provided only on the storage medium 105 or the merchant database and the payment history database are provided on the storage medium 105, the storage medium 105 may include a memory 440 mounted or detached from the user communication terminal 110, As shown in FIG.

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

FIG. 4 shows the details of the order and payment processing through the voice communication with the merchant communication terminal 115. The user communication terminal 110 transfers the order and payment processing to the data communication between the application installed in the user communication terminal 110 and the payment processing server on the communication network. 1, the communication terminal 110 shown in FIG. 1 performs a voice call connection function with the merchant's communication terminal 115, and at the same time, a payment processing server (not shown) 100 to provide the phone number information, the order payment information, and the payment means information of the merchant communication terminal 115.

4, the communication terminal 110 operating on the mobile communication system is applied to the settlement processing according to the present invention. Although not specifically shown in the drawing, the communication terminal 110 has a configuration And includes a body, a speaker, a microphone, a keypad, an LCD (Liquid Crystal Display), an antenna and a battery, and internally includes a CDMA (Code Division Multiple Access) modem, a CPU / (For example, an MSM series modem chip of Qualcomm of the United States) having a built-in function such as a microphone, a microphone, and a vocoder, a memory device, a duplexer filter for separating a transmission signal from one antenna, A high power amplifier (HPA), an isolator (Isolator) to prevent reverse transmission of high-power transmission signals, a desired out-of-band spurious An RF / IF SAW filter for removing the signal, a frequency upstream circuit of the transmission path, a frequency downconversion circuit of the reception path, a VCTCXO (Voltage Controlled Temperature Compensated X-tal Oscillator) corresponding to the reference clock source, And a codec chip for converting an analog voice signal into a digital signal, and may include all functions and configurations of the communication terminal 110 developed in the future.

Preferably, the functional configuration of the communication terminal 105 for voice call-based payment processing according to the present invention referring to the above-described hardware characteristics includes a control unit 400, an interface unit 405, A memory 440 for storing a settlement processing program and payment details and an output unit 460, a key input unit, a voice call connection unit 410, an information transmission and reception unit 420, a short range communication unit 450, and a storage unit 445 A reading unit 435 for inputting and outputting stored information of the IC chip 430 and the IC chip 430 including the payment means linking unit 425 and the USIM and the telephone number information of the merchant communication terminal 115, An information confirmation unit 415 for confirming payment information and payment means information, and a camera unit 465. The respective components may be added or excluded depending on the type and characteristics of the communication terminal 110 .

Referring to FIG. 4, the memory 440 stores a voice call-based payment processing program and payment details, and does not separately illustrate the billing transaction in the drawing. In some cases, the memory 440 stores a merchant database on the storage medium 105 You can save more.

Here, the memory 440 may store a predetermined program routine (or a code) and / or program data (e.g., a program routine (or a program code)) for controlling an overall operation of the communication terminal 110 (Read only memory) corresponding to a read-only memory, a flash memory (FM) capable of reading / writing, and an EEPROM (electrically erasable and programmable read only memory) Programmable Read Only Memory) and the like.

In particular, in the memory 440, when a voice call is connected to the merchant communication terminal 115, which is executable through the control unit 400, in the voice call-based payment processing according to the present invention, A function of confirming the telephone number information of the merchant communication terminal 115 by using the contact information input through the input unit 455 or previously stored or by checking the CID (Caller-ID) of the merchant communication terminal 115; It is possible to confirm the order payment information by checking the key signal sound inputted from the merchant's point communication terminal 115 or receive the order payment information from the merchant communication terminal 115 or voice- Or receiving the order payment information directly through the key input unit 455 provided in the user communication terminal 110, Based payment processing program for executing at least one function of receiving, from the merchant communication terminal (115) telephone number information, the order payment information, and the payment means information, to a server on a communication network .

The interface unit 405 according to the embodiment of the present invention includes a voice call connection interface for connecting a voice call with the merchant communication terminal 115 and an order payment information through voice communication with the merchant communication terminal 115 And an input interface or a selection interface corresponding to the order settlement, and may further provide an interface for menu selection, as the case may be.

The interface unit 405 divides the voice call connection interface and the order payment interface into a single screen or provides the voice call connection interface and the order payment interface and the payment means input or selection interface on a single screen Processing.

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

The interface unit 405 connects the voice call with the affiliate shop communication terminal 115 through the voice call connection interface, and then outputs the order payment interface and the payment means input or selection interface, or the affiliate shop communication terminal 115 The user can input an order payment interface and a payment means input or selection interface according to a user request inputted through the key input unit 455 when a voice call is connected according to a call connection request.

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

Also, the order payment interface of the interface unit 405 can confirm the order payment information by checking the key signal inputted from the merchant communication terminal 115, or output the order payment information from the merchant communication terminal 115 Or if the order settlement information of the voice call history is voice-recognized, it is possible to confirm and output the order settlement information recognized as the voice, or to output the order settlement information directly inputted through the key input unit 455 Can be output.

In addition, the order settlement interface communicates information on the settlement merchant, order product information, and the like, as well as the payment amount, through the server on the communication network or the merchant communication terminal 115 through the information transmission / It can receive it from the terminal 115 and output it further.

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

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

The voice call connection unit 410 according to the embodiment of the present invention connects the voice communication with the merchant communication terminal 115 in response to the merchant call connection request through the voice call connection interface or from the merchant communication terminal 115 And connects a voice call with the merchant terminal 115 when the call connection is requested.

The voice call connection unit 410 can connect a voice call through a mobile communication network, connect a voice call through a VoIP network, and connect all voice calls according to other types of communication technologies.

The information confirmation unit 415 according to the embodiment of the present invention plays a role of confirming the telephone number information of the merchant communication terminal 115 connected to the voice call and the order payment information and the payment means information selected by the user in response to the order payment do.

The information confirmation unit 415 may be configured to determine whether the user terminal 110 is connected to the merchant communication terminal 115 when the telephone number information of the merchant communication terminal 115 is confirmed, The subscriber communication terminal 115 confirms the telephone number information of the merchant communication terminal 115 by checking the key signal inputted through the key input unit 455 provided in the user terminal 110 or in connection with the voice call connection program provided in the user communication terminal 110 Confirms the telephone number information of the merchant communication terminal 115 or confirms the telephone number information of the merchant communication terminal 115 in connection with the contact management program provided in the user communication terminal 110.

The information confirming unit 415 checks the CID (Caller-ID) of the merchant communication terminal 115 when making a voice call connection from the merchant communication terminal 115 to the user communication terminal 110 The merchant communication terminal 115 can confirm the telephone number information of the merchant communication terminal 115 or confirm it through a message received from the merchant communication terminal 115 or in cooperation with the program installed in the merchant communication terminal 115, Check the phone number information.

Also, when confirming the order settlement information corresponding to the order through the voice call, the information confirming unit 415 confirms the order settlement information by checking the key signal inputted from the merchant communication terminal 115, Or receives the order settlement information from the merchant terminal 115 or voice recognition of the order settlement information among the voice call history or inputs the order settlement information directly through the key input unit 455 provided in the user communication terminal 110 I can confirm it.

Here, since the technique of extracting numerical information through key signal tone verification and the speech recognition technology are well-known techniques, detailed description will be omitted.

The information confirming unit 415 confirms the payment means information that the user selects or inputs in response to the order settlement through the payment means input or selection interface in cooperation with the interface unit 405. [

The payment means linkage unit 425 according to the embodiment of the present invention may be connected to the payment application means such as the payment means selection or input information Is output.

The IC chip 430 according to the embodiment of the present invention plays the role of storing at least one payment means information and a payment means operation application, And the payment means operating application information is read out through the PIN authentication of the user and processed so as to be output to the payment means input or selection interface.

The information transmitting and receiving unit 420 according to the embodiment of the present invention transmits the telephone number information of the merchant communication terminal 115 confirmed by the information confirming unit 415 and the order payment information and payment means information to the payment processing server 100 and receives a payment approval response from the payment processing server 100 and transmits and receives various information to and from the merchant communication terminal 115 to the payment processing server 100 You can do more.

The output unit 460 provided in the communication terminal 110 is a liquid crystal display (LCD) driver for outputting a predetermined screen image, and outputs the predetermined information or data to the control unit 400 And / or contents extracted and / or generated in the course of performing a predetermined function provided in the communication terminal 110, to the LCD (not shown) Can play a role.

Particularly, according to the present invention, the output unit 460 outputs an interface screen through the interface unit 405 and various information received through the information transmission / reception unit 420.

The storage unit 445 included in the communication terminal 110 stores the voice call-based payment processing program and the payment history on the memory 440. In this case, You can store more merchant databases.

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

Among the functions of the interface unit 405, the information confirmation unit 415, the information transmission / reception unit 420, the payment means integration unit 425, and the storage unit 445 among the components of the illustrated communication terminal 110, The application may be implemented in the form of an application which is a type of a voice call-based payment processing program. In this case, the application may transmit a voice call to the merchant communication terminal 115 through a key input unit 455 A function of confirming the telephone number information of the merchant communication terminal 115 by using the contact information inputted or stored in advance or by checking the CID (Caller-ID) of the merchant communication terminal 115; Or receives the order payment information from the merchant communication terminal 115, or transmits the order settlement information of the voice call history to the voice A function of directly receiving the order settlement information through the key input unit 455 provided in the user communication terminal 110, a function of selecting or inputting the payment means information of the user required for the order settlement, Based payment processing according to the present invention by executing the function of transmitting the telephone number information of the merchant's terminal 115, the order payment information, and the payment means information to the server on the communication network.

Hereinafter, the order and settlement processing through the voice communication between the user communication terminal 110 and the merchant communication terminal 115 using the above-described voice call-based payment processing system will be described with reference to an application installed in the user communication terminal 110 and a payment processing The process of transferring data to the server through data communication will now be described in more detail.

Here, the application performs the function and role of the configuration unit in the communication terminal 110 of FIG. 4 described above, and the name of the configuration unit in the separate communication terminal 110 is omitted, do.

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

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

Of course, when a voice call is connected from the merchant communication terminal 115 to the user communication terminal 110 without connecting the voice call from the user communication terminal 110 to the merchant communication terminal 115, S515), the voice call-based payment processing application can be driven (S510) according to the user's selection.

In the process of connecting a voice call between the user communication terminal 110 and the affiliate shop communication terminal 115, the application checks phone number information of the affiliate shop communication terminal 115 connected to the voice call at step S520.

Here, when the user communication terminal 110 makes a voice call connection to the merchant communication terminal 115, the application transmits a key signal sound input through the key input unit 455 provided in the user communication terminal 110 And confirms the telephone number information of the merchant communication terminal 115 or confirms the telephone number information of the merchant communication terminal 115 in connection with the voice call connection program provided in the user communication terminal 110, (S520) the phone number information of the merchant communication terminal 115 in connection with the contact management program provided in the terminal 110 and makes a voice call connection from the merchant communication terminal 115 to the user communication terminal 110 (Caller-ID) of the merchant communication terminal 115 or through a message received from the merchant communication terminal 115, Check (S520) in cooperation with the program installed on the communication terminal (115).

The application then confirms order settlement information including a payment amount during a voice communication between the user communication terminal 110 and the merchant communication terminal 115 through a key signal tone input from the merchant communication terminal 115, Directly from the merchant terminal 115 or confirm the order settlement information of the voice call history through speech recognition (S525).

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

If the order payment information is confirmed through steps S525 to S535, the application displays the confirmed order payment information on the screen at step S540.

The application receives merchant information and merchandise information corresponding to the order payment from a server on the communication network such as the payment processing server 100 or the merchant communication terminal 115 It can be outputted on the screen.

When the payment processing button is selected according to the user's selection after the order payment information is output (S545), the application outputs an input interface for selecting a payment means or a payment for use in order payment The means information is selected (S555).

If the payment processing button is not selected according to the user's selection after the order payment information is output, the order settlement processing is terminated (S550), and the process is transferred to the order settlement reservation processing process which is not illustrated in the drawing.

Then, the application collects the merchant phone number information, the order payment information, and the payment means information acquired in the process described above and transmits the collected information to the server (financial company server, card company server, van company server, communication company server, direct merchant server, etc.) (S560).

Here, although not shown in the drawing, the application may encrypt and process at least one of the merchant phone number information, the order payment information, and the payment means information.

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

First, the storage unit 235 in the settlement processing server 100 stores the phone number information of the merchant communication terminal 115 and the merchant unique information pertaining to the settlement means issuer on the storage medium 105 (S610).

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

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

The information confirming unit 220 of the settlement processing server 100 then transmits the settlement information to the merchant phone number matching the phone number information of the merchant communication terminal 115 received via the information receiving unit 205 via the storage medium 105. [ (Step S620). In step S620, the merchant-specific information of each payment-instrument issuer connected to the confirmed merchant telephone number information is first checked.

Then, the information confirmation unit 220 finalizes the merchant unique information of the payment means issuer corresponding to the payment means information of the user received through the information receiving unit 205 among the merchant unique information of the plurality of payment means issuers (S625).

If the merchant unique information of the payment means issuer corresponding to the payment means information of the user received via the information receiving unit 205 among the plurality of merchant unique information of the payment means issuer does not exist (S630) The controller 100 generates an error message and transmits the error message to the user communication terminal 110 (S635).

Thereafter, the data generating unit 230 of the payment processing server 100 transmits the order settlement information received through the information receiving unit 205 and the payment means information of the user requested for the order settlement and the information confirming unit 220 In step S640, payment approval request data according to the order settlement is generated using the unique information of the merchant's payment merchant.

Thereafter, the information processing unit 200 of the payment processing server 100 transmits the payment approval request data generated by the data generation unit 230 to a server (a financial company server, a card company server, a van company server, a communication company server, Etc.) and processes the payment approval request (S645).

When an approval response result corresponding to a payment approval request is received from the server on the communication network in operation S650, the information transfer unit of the payment processing server 100 transmits the approval response result to the user communication terminal 110 and the merchant communication terminal 115 in step S655, and processes the payment history including the approval response result to be stored in the payment history database on the storage medium 105 (S660).

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

The escrow processing unit 245 of the payment processing server 100 checks whether the delivery confirmation information is received from the user communication terminal 110 in cooperation with the information receiving unit 205 at step S710, .

Thereafter, the escrow processing unit 245 confirms that the delivery confirmation information has been received from the user communication terminal 110 through the information receiving unit 205 (S710), and then confirms the related payment details through the payment history database (S715).

Thereafter, the escrow processing unit 245 confirms the settlement means issuer information for the order settlement by confirming the payment details, and requests payment of the settlement money to the account of the order settlement merchant with the confirmed settlement means issuer (S720).

Thereafter, the escrow processing unit 245 confirms the result of the settlement payment to the merchant account through the payment instrument issuer, and then adjusts the settlement history in the settlement history database from the unpaid amount to the payment (S725).

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

4, a voice call connection interface for connecting a voice call with the affiliate shop communication terminal 115 via the user communication terminal 110, and a voice call connection interface for making an order settlement through a voice call with the affiliate shop communication terminal 115 An order settlement interface for outputting information, and a payment means input or selection interface corresponding to the order settlement, and in some cases, an interface for menu selection may be provided.

9 is a view showing a process of confirming whether or not an automatic transfer payment has been registered in the communication terminal 100 and a payment processing process according to an embodiment of the present invention.

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

Of course, when a voice call is connected from the merchant communication terminal 115 to the user communication terminal 110 without connecting the voice call from the user communication terminal 110 to the merchant communication terminal 115, S920), the voice call-based payment processing application may be driven (S910) according to the user's selection.

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

Thereafter, the server 100 checks whether the user communication terminal 110 is registered on the storage medium 105 (S940)

When the automatic payment is registered in the user communication terminal 110, the payment information is confirmed and outputted to the user communication terminal 110 (S950)

Then, the server 100 receives the payment request from the user and transmits the user, merchant information, and order payment information to the server 100 so that payment processing can be performed using the purchasing means of the user stored on the storage medium 105 do.

If the user has not been registered in the user communication terminal 110, the user is confirmed to intend to register the automatic debit (S945). If the user denies the debit registration, the user performs the payment process S955). If it is confirmed that the user intends to register for automatic debit, the registration process proceeds.

10 is a view showing a process of automatic payment registration and payment in the payment processing server 100 for automatic payment settlement registration according to an embodiment of the present invention.

First, the user communication terminal 100 according to the present invention starts a voice call-based payment processing application installed in the memory 440 (S1010) and connects the voice call with the merchant communication terminal 115 using the application (S1015).

Then, the user is authenticated using a public certificate or the like (S1020), and it is confirmed whether or not the user has already registered the automatic transfer (S1030). If the automatic transfer is not registered, And confirms whether or not to apply for settlement (S1040)

Here, the user authentication and the confirmation of payment and settlement application through the automatic transfer of the user can be replaced with a procedure for receiving input from a separate terminal.

If it is determined that the user intends to apply for the automatic payment, the user terminal information and the user payment means information are received from the user communication terminal 110 (S1060) .

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

Then, it receives the merchant communication terminal information and the order payment information (S1080), and registers the debit payment and settlement request information for the merchant in the member DB in the storage medium 105.

100: Payment processing server 105: Storage medium
110: user communication terminal 115: merchant communication terminal
200: information processing unit 205: information receiving unit
210: encryption / decryption unit 215: authentication unit
220: information confirmation unit 225: payment history management unit
230: Data generation unit 235:
240: Payment processor 245: Escrow processor

Claims (25)

A storage medium for storing and storing the merchant phone number information and payment merchant unique information for requesting and processing payment authorization for the merchant;
A user communication terminal for confirming the telephone number information of the merchant communication terminal when a voice call is established between the user communication terminal and the merchant communication terminal and transmitting the order corresponding to the order through the voice call between the user communication terminal and the merchant communication terminal Application management means for managing an application for confirming payment information;
Receiving information for receiving the user's payment means information required for payment related to the telephone number information of the merchant communication terminal and the order payment information and the order payment information through the application provided in the user communication terminal or the user communication terminal Way;
Information confirming means for confirming the merchant phone number information matching the phone number information of the merchant communication terminal on the storage medium and for confirming the settlement merchant unique information linked to the confirmed merchant phone number information on the storage medium;
Generating settlement approval request data according to settlement related to the order settlement information using the order settlement information, the settlement means information, and the unique information of the settlement merchant identified through the information confirmation means, An information processing means for transmitting the payment approval request to a server on the server;
≪ / RTI >
Wherein the application receives and confirms the order payment information from the merchant communication terminal when confirming the order payment information.
An information storage unit for storing the merchant phone number information and payment merchant-specific information for requesting and processing payment approval for the merchant point on a storage medium;
A user communication terminal installed in the user communication terminal to confirm telephone number information of the merchant communication terminal during a voice call connection process between the user communication terminal and the merchant communication terminal, A user's payment means required for payment related to the telephone number information of the merchant's communication terminal, the order payment information, and the order payment information through an application for confirming order payment information corresponding to an order through voice communication between the merchant communication terminals, Information receiving means for receiving information;
Information confirming means for confirming the merchant phone number information matching the phone number information of the merchant communication terminal by the information storing means and for confirming the payment merchant unique information linked to the confirmed merchant phone number information;
Generating settlement approval request data according to settlement related to the order settlement information using the order settlement information, the settlement means information, and the unique information of the settlement merchant identified through the information confirmation means, An information processing means for transmitting the payment approval request to a server on the server;
≪ / RTI >
Wherein the application receives and confirms the order payment information from the merchant communication terminal when confirming the order payment information.
3. The method according to claim 1 or 2,
Further comprising an information transmission means for transmitting the payment approval result to the user communication terminal and the merchant communication terminal when the payment approval result corresponding to the payment approval request is received from the server on the communication network.
The information processing apparatus according to claim 1 or 2,
When the plurality of merchant-specific information associated with the merchant's phone number information is identified by the payment means issuer, the merchant-specific information of the payment means issuer corresponding to the payment means information among the plurality of merchant unique information is confirmed Payment processing system.
The information processing apparatus according to claim 1 or 2,
Wherein when the merchandise or service delivery confirmation information corresponding to the order settlement information is transmitted through the application installed in the user communication terminal, processing is performed so that the payment amount corresponding to the order settlement information is paid to the merchant. Payment processing system.
3. The method according to claim 1 or 2,
Upon confirming the telephone number information of the merchant terminal,
When the user communication terminal makes a voice call connection to the merchant communication terminal, it checks the phone number information of the merchant communication terminal by checking the key signal inputted through the key input unit provided in the user communication terminal, The telephone number information of the merchant communication terminal is confirmed in connection with the voice call connection program provided in the mobile communication terminal or the telephone number information of the merchant communication terminal is confirmed in connection with the contact management program provided in the user communication terminal,
When a voice call connection is made from the merchant communication terminal to the user communication terminal, the telephone number information of the merchant communication terminal is confirmed by checking the CID (Caller-ID) of the merchant communication terminal, or the message received from the merchant communication terminal , Or confirms it in cooperation with a program installed in the merchant's communication terminal.
delete The mobile terminal according to claim 1 or 2,
A smart phone, a mobile phone, a computer, a tablet PC, a POS terminal, and an ARS system.
The method according to claim 1 or 2,
Payment amount information, or
The payment amount, and the order product information.
The method comprising the steps of: establishing a voice call connection process between a user communication terminal and an affiliate shop communication terminal installed in a user communication terminal during voice call-based payment processing through a user communication terminal, checking telephone number information of the affiliate shop communication terminal, Information for receiving payment means information of the user required for payment related to the order payment information and the order payment information, through the application of the order confirmation information corresponding to the order through the voice call between the terminals, A receiving unit;
The merchant phone number information matching the phone number information of the merchant communication terminal through the storage medium for connecting and storing the merchant phone number information and the settlement agent issuing agent's unique information for requesting and processing payment approval for the merchant An information confirming unit for confirming the settlement merchant unique information corresponding to the payment means information among the settlement merchant unique information of the payment means issuer associated with the confirmed merchant phone number information;
An information processing unit for performing a payment process related to the order settlement information using the order settlement information, the payment means information, and the settlement merchant unique information;
Respectively,
Wherein the application receives and confirms the order payment information from the merchant communication terminal when confirming the order payment information.
delete delete delete The application provided in the user communication terminal confirms the telephone number information of the merchant communication terminal when a voice call connection is established between the user communication terminal and the merchant communication terminal and corresponds to an order through voice communication between the user communication terminal and the merchant communication terminal Confirming the order payment information;
Receiving, by the information receiving means, payment method information of a user required for payment relating to the telephone number information of the merchant communication terminal, the order payment information, and the order payment information through the application;
The information confirming means confirms the merchant store unique information corresponding to the telephone number information of the merchant communication terminal through the storage medium that stores and stores the merchant phone number information and the payment authorization request for the merchant store and payment merchant store unique information step; And
And processing the settlement related to the order settlement information using the order settlement information, the payment means information, and the unique information of the settlement merchant in the information processing means,
Wherein the application receives and confirms the order payment information from the merchant communication terminal when confirming the order payment information.
15. The method of claim 14,
And transmitting the settlement processing result from the information transmitting means to the user communication terminal and the merchant communication terminal.
15. The method of claim 14,
Receiving goods or service delivery confirmation information corresponding to the order payment information through an application installed in the user communication terminal; And
And processing the settlement amount corresponding to the order settlement information to be paid to an affiliate shop where the merchant communication terminal is installed. delete delete 15. The method of claim 14,
Transmitting a message or data for driving the application from the merchant communication terminal to the user communication terminal before a voice call connection is established between the merchant communication terminal and the user communication terminal; And
And driving the application based on the message or data at the user communication terminal. delete delete delete delete delete delete

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