KR101028448B1 - VoIP Complex Terminal with Card Reader - Google Patents

Abstract

The present invention relates to a VoIP composite terminal having a card reader, wherein the VoIP composite terminal having a card reader according to the present invention includes a card reader and is capable of simultaneously connecting to a plurality of communication media. Among the communication media that can be connected at the same time, the first communication media information using the VoIP telephone number as the communication identifier, and the retransmission of packets in addition to the first communication media to process payment (or financial transaction), and the encrypted data communication is possible. A memory unit for storing the second communication medium information in connection with the communication channel and storing payment information (or financial transaction information) through the first communication medium, and according to the payment information (or financial transaction information). A second communication medium information for identifying the second communication medium information associated with the first communication medium information from the memory unit for processing a payment (or financial transaction). When the card information for processing the payment (or financial transaction) is read through the security verification unit and the card reader, transaction data information including the payment information (or financial transaction information) and card information is read. 2 is provided with an information transmission unit for transmitting through a communication medium.

VIO, composite, terminal

Description

VIPIP Terminal with Card Reader {VoIP Complex Terminal with Card Reader}

1 is a diagram illustrating a functional configuration of a VoIP composite terminal having a selective payment (or financial transaction) function according to a communication medium identification according to an embodiment of the present invention.

2 is a diagram illustrating a VoIP composite terminal operation process for searching for a communication medium for selective payment processing according to a communication medium identification according to an embodiment of the present invention.

3 is a diagram illustrating a VoIP composite terminal operation process for searching for a communication medium for selective financial transaction processing according to a communication medium identification according to an embodiment of the present invention.

FIG. 4 is a diagram illustrating a VoIP composite terminal operation process for searching for a communication medium for payment of a branch through selective payment (or financial transaction) according to a communication medium identification according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating a VoIP composite terminal operation process of searching for a communication medium for ticket reservation / advance processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a VoIP composite terminal operation process of searching for a communication medium for electronic money charging processing through selective payment (or financial transaction) according to a communication medium identification according to an embodiment of the present invention.

7 is a diagram illustrating a VoIP composite terminal operation process for selective payment processing according to communication medium identification according to an embodiment of the present invention.

8 is a diagram illustrating a VoIP composite terminal operation process for selective payment processing according to communication medium identification according to another embodiment of the present invention.

9 is a diagram illustrating a transaction process for selective payment processing according to communication medium identification according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a VoIP composite terminal operation process for selective financial transaction processing according to communication medium identification according to an embodiment of the present invention.

FIG. 11 is a flowchart illustrating an operation of a VoIP complex terminal for selective financial transaction processing according to a communication medium identification according to another embodiment of the present invention.

12 is a diagram illustrating a transaction process for selective financial transaction processing according to communication medium identification according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating an operation of a VoIP composite terminal for branch payment processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

FIG. 14 is a flowchart illustrating an operation of a VoIP composite terminal for branch payment processing through selective payment (or financial transaction) according to communication medium identification according to another embodiment of the present invention.

15 is a diagram illustrating a transaction process for processing giro payment through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

FIG. 16 is a diagram illustrating an operation of a VoIP complex terminal for ticket reservation / reservation processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

FIG. 17 is a diagram illustrating a VoIP complex terminal operation process for ticket reservation / reservation processing through selective payment (or financial transaction) according to communication medium identification according to another embodiment of the present invention.

18 is a diagram illustrating a transaction process for ticket reservation / booking processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

19 is a diagram illustrating a terminal operation process for electronic money charging processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

20 is a diagram illustrating an operation process of the VoIP composite terminal 100 for electronic money charging processing through selective payment (or financial transaction) according to the communication medium identification according to another embodiment of the present invention.

21 is a diagram illustrating a transaction process for electronic money charging processing through selective payment (or financial transaction) according to the communication medium identification in accordance with an embodiment of the present invention.

<Description of main parts of drawing>

100: VoIP composite terminal 105: control unit

110: card reader 115: screen output

120: key input unit 125: sound processing unit

130: memory unit 135: wireless communication unit

140: wired communication unit 145: optical communication unit

150: security application module 155: power supply

160: communication channel connection unit 162: message receiving unit

164: message confirmation unit 166: information confirmation unit

168: mode switching unit 170: communication medium confirmation unit

172: interface output unit 174: information input unit

176: information generating unit 178: information transmitting unit

180: communication medium search unit 182: communication medium information storage unit

184: voice call processing unit 186: data communication processing unit

The present invention provides a method of operating a plurality of communication media of a VoIP composite terminal which has a card reader and can be connected to a plurality of communication media at the same time. Identifying a first communication medium to receive, in addition to the first communication medium to process payment (or financial transaction) according to payment information (or financial transaction information) received through the identified first communication medium; Searching for a second communication medium capable of retransmitting lost packets and capable of encrypted data communication, storing the first communication medium information in association with the found second communication medium information, and storing the first communication medium; When payment information (or financial transaction information) is received through the payment settlement (or financial transaction) according to the payment information (or financial transaction information) Verifying second communication medium information associated with the stored first communication medium information to read the card information and reading card information to process the payment (or financial transaction) through the card reader. The present invention relates to a method for operating a plurality of communication media of a VoIP composite terminal having a card reader, comprising generating transaction data including financial transaction information) and card information and transmitting the same through a second communication medium.

With the continuous development of information and communication technology and the establishment of VoIP infrastructure based on the selection of Voice over Internet Protocol (VoIP) providers, voice calls over IP communication networks (for example, IP-based wired network and IP-based wireless communication network) rather than the existing telephone network (or intelligent network) VoIP services that simultaneously provide services, data communications, and multimedia services are becoming more and more popular.

Since the VoIP service uses an IP communication network distributed to each home (or store or office) rather than a circuit-switched system, it is possible to provide voice calls between VoIP users at a very low price (or free). IP communication network usage fee is paid), and when the call is connected to a network other than the VoIP network (for example, an existing telephone network or an intelligent network), the operator pays the cost according to the settlement of the call charges and has a very competitive price. have.

However, not all communication media of IP networks distributed in each home (or store or office) are the same, and IP networks distributed in some homes (or stores or offices) are wired through Unshielded Twisted Pair (UTP) cables. A communication medium is provided, and the IP communication network spread in other homes (or stores or offices) is provided with a wireless communication medium using a wireless access point (AP).

Each home (or store or office) to which the IP communication network is spread is provided in various devices (eg, personal computers, laptops, etc.) or servers (eg, home servers on a home network, or large stores) using the IP communication network. Local server), and the apparatus (or server) is provided with communication means capable of using a communication medium corresponding to the IP communication network.

However, the communication means provided in the apparatus (or server) is not limited to only one communication means providing only a connection function to the IP communication network.

For example, when the IP communication network includes a wireless communication medium using a wireless AP, the apparatus (or server) is provided with short range wireless communication means for communicating with the wireless AP, but the short range wireless communication means is wireless. In addition to the AP, it is not only possible to make a communication connection with another device having the short-range wireless communication means, but the device (or server) is a wired communication means such as a LAN card for connecting to an IP communication network through a conventional wired communication medium. It is possible to further include a short-range wired communication means such as USB.

On the other hand, online payment (or non-face-to-face payment) or online using an IP communication network distributed to each device (or server) provided in each home (or store or office) and the home (or store or office). Financial transactions (or non-face-to-face financial transactions) are already active, but online (or non-face-to-face) payments (or financial transactions) using the device (or server) and IP communication network require the customer's card number (or account number) It always includes the inconvenience of inputting information to be input, the problem of information leakage due to spyware that is installed malicious in the device (or server).

An object of the present invention for solving the above problems is, in a VoIP composite terminal having a card reader and connectable to a plurality of communication media at the same time, the first use of the VoIP phone number of the simultaneously connectable communication media as a communication identifier Memory for linking communication medium information and second communication medium information that supports retransmission of packets and connects communication channels capable of encrypted data communication in addition to the first communication medium to process payments (or financial transactions). And receiving payment information (or financial transaction information) through the first communication medium, from the memory unit to process payment (or financial transaction) according to the payment information (or financial transaction information). 1 through the information checking unit and the card reader to confirm the second communication medium information associated with the communication medium information (or gold) When the card information to be processed is read, transaction information including the payment information (or financial transaction information) and the card information is provided via an information transmission unit for transmitting through the identified second communication medium The present invention provides a VoIP composite terminal having a card reader.

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In the VoIP composite terminal having a card reader according to the present invention, a VoIP composite terminal having a card reader and capable of being connected to a plurality of communication media at the same time, using a VoIP telephone number among the simultaneously connectable communication media as a communication identifier. Stores the first communication medium information and the second communication medium information that supports retransmission of packets and connects a communication channel capable of encrypted data communication in addition to the first communication medium to process payment settlement (or financial transaction). When the payment information (or financial transaction information) is received through the memory unit and the first communication medium, from the memory unit to process the payment (or financial transaction) according to the payment information (or financial transaction information) An information confirmation unit for confirming second communication medium information associated with the first communication medium information, and the payment (or gold) through the card reader; Transaction) if the card information reading to process, the billing information (or financial transaction information) and the card information of the transaction data confirmation information containing the second comprising a second transmission information to be transmitted over a communications medium.
According to the present invention, the payment information (or financial transaction information) is characterized by being received in a message corresponding to a message exchange protocol using the VoIP telephone number as a communication identifier.
Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. 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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples are used to properly modify, integrate, or separate the terminology so that those skilled in the art can clearly understand the essential technical features of the present invention. However, the present invention is by no means limited thereto.

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

1 is a diagram illustrating a functional configuration of a VoIP composite terminal 100 having a selective payment (or financial transaction) function according to a communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a VoIP complex terminal 100 having a selective payment (or financial transaction) function according to a communication medium identification including at least one of short distance wireless communication, short distance wire communication, short distance optical communication, and wide area communication. As a person of ordinary skill in the art to which the present invention pertains, reference and / or modification of FIG. 1 includes a selective payment (or financial transaction) processing function according to communication medium identification. Various VoIP composite terminal 100 can be inferred from the functional configuration, but the present invention comprises all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 1, the VoIP composite terminal 100 for selective payment (or financial transaction) processing according to communication medium identification is basically a control unit 105, a memory unit 130, a card reader unit 110, and a key. The input unit 120, the screen output unit 115, the sound processing unit 125, the security application module and the power supply unit for supplying power to the VoIP composite terminal 100 is made, the VoIP composite terminal 100 At least one or more terminal function unit (not shown) comprising a wireless communication unit 135 and a wired communication unit 140 and an optical communication unit 145 for communication connection with a plurality of communication media, according to the intention of those skilled in the art Omission).

The control unit 105 controls the overall operation of the VoIP composite terminal 100 in terms of function configuration, manages the flow of information or data between each component, and selects a payment according to a communication medium identification function and a communication medium identification (or It is characterized by interworking and controlling at least one or more components provided in the VoIP composite terminal 100 for a financial transaction) function, and includes a hardware (Central Processing Unit) / MPU (Micro Processing Unit) in hardware At least one processor, an execution memory (for example, a register or a random access memory (RAM)), and a bus (BUS) for inputting and outputting predetermined data. Loaded from a predetermined recording medium to the execution memory to perform a function of a predetermined operation that is processed by the processor It includes a program routine (Routine) or program data of (therefore, recorded on the recording medium provided in the VoIP composite terminal 100 for the communication medium identification function and selective payment (or financial transactions) function according to the communication medium identification) A predetermined program, or a component that can be processed by software among the functional configurations provided in the VoIP composite terminal 100, is shown in the control unit 105).

According to an embodiment of the present invention, the control unit 105 is a component (eg, the memory unit 130, the card reader unit 110, the key input unit 120, and the screen) provided in the VoIP composite terminal 100. The output unit 115 and the security application module and at least one wireless communication unit 135 and the wired communication unit 140 and the optical communication unit 145, or a terminal functional unit (not shown) according to the intention of those skilled in the art Controlling and managing providing the electronic payment service defined in the VoIP composite terminal 100, as well as the VoIP composite terminal 100 provided for selective payment (or financial transaction) processing according to the communication medium identification It is preferable to execute a program recorded in a recording medium provided in the VoIP terminal 100 for controlling components by interworking with each other or for selective payment (or financial transaction) processing according to the communication medium identification.

The memory unit 130 is input and output when an operation by a predetermined program routine (or code) or program data (for example, a program routine (or code)) for controlling the overall operation of the VoIP composite terminal 100 is performed. General term of non-volatile memory for storing information or data, and includes at least one or more storage means including an electrically erasable and programmable read only memory (EEPROM) or a flash memory (FM) or a hard disk drive (HDD) in hardware. And a predetermined program routine required for the control unit 105 to perform a predetermined control function and program data (for example, data input or output for the program routine to perform a predetermined function). It is characterized by.

According to the exemplary embodiment of the present invention, the memory unit 130 includes a plurality of communication medium information including at least one of short-range wireless communication, short-range wired communication, short-range optical communication, and wide-area communication provided in the VoIP composite terminal 100. And at least one payment processing information for each communication medium, banking processing information for each communication medium, giro processing information for each communication medium, ticket processing information for each communication medium, and charging processing information for each communication medium.

Here, the communication medium is a general term for a medium for exchanging information (or data) between the VoIP composite terminal 100 and an external device (or server), and connects the VoIP composite terminal 100 to an external device (or server). It is characterized in that it comprises a communication network (for example, a wired communication network, a wireless communication network) and a communication protocol provided in the communication network and various cables and radio waves (or radio transmission and reception apparatus).

According to an embodiment of the present invention, the communication medium may include a short range wireless communication medium, a short distance wired communication medium, an optical communication medium, which processes information (or data) exchange between the VoIP composite terminal 100 and an external device (or server). Preferably, the wireless communication medium includes at least one wide area communication medium, and the short range wireless communication medium includes at least one short range wireless communication medium of a packet-switched type and a short range wireless communication medium of a direct communication type. Preferably, the packet-switched local area wired communication medium and at least one local area wired communication medium of the direct communication method are included, and the wide area communication medium includes at least one wired communication medium and at least one wireless communication medium.

Here, the packet-switched short-range wireless communication medium is connected to the VoIP composite terminal 100 and a wireless access point (or wireless IP sharer) located in a short distance through a wireless connection to the short-range communication channel, the wireless AP (Or a wireless IP router) is a communication medium for wirelessly connecting a short-range communication channel to the wireless AP (or wireless IP router) and at least one device (or server) located at a short distance by wireless. Preferably, at least one of Bluetooth, Wi-Fi, and Ultra Wide Band system (UWB) conforming to the IEEE 802.11.x standard is included. It is possible to substitute (or add) another communication medium, and the present invention is not limited thereto.

Or, the short-range wireless communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel through the wireless device (or server) located in the near field with the VoIP composite terminal 100, the short-range wireless communication medium is It is preferable to include at least one or more RF (Radio Frequency) communication, Bluetooth, Wi-Fi, UWB to support a direct communication method, and the short-range wireless communication medium type is replaced (or added) according to the intention of those skilled in the art The present invention is not limited thereto.

Alternatively, the packet-switched short-range wired communication medium connects the short-range communication channel to the VoIP composite terminal 100 and a hub (or an IP router or a communication modem) located at a short distance through a wire, and the hub (or an IP router). And a communication medium connecting a hub (or an IP router, a communication modem) and a device (or server) located in a short distance to a short distance communication channel through a wire. The short range wireless communication medium may be a NetBIOS standard, It is preferable to include at least one or more of the IPX / SPX standard, TCP / IP (Transmission Control Protocol / Internet Protocol) standard, the short-range wired communication medium type is to replace (or add) another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Alternatively, the short-range wired communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel via a wire to the VoIP composite terminal 100 and a device (or server) located in the short-range, the short-range wired communication medium is It is preferable to include at least one USB (Universal Serial Bus) and RS-232c which supports a direct communication method, and the short-range wired communication medium may be replaced (or added) with another one according to the intention of a person skilled in the art. The present invention is not limited thereby.

Alternatively, the optical communication medium is a communication medium that directly connects the VoIP composite terminal 100 with a device (or server) located in a near field and a near field communication channel through optical communication in an infrared region, and is an IrDA (Infrared Data Association) standard. Infrared communication in accordance with the above, IrDA (Infrared Finance Messaging) of IrFM (Infrared Communication Messaging) is preferably made to include at least one or more, the optical communication medium type is to replace (or add) to another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Or, the wired communication medium, when the VoIP composite terminal 100 is connected to a wired communication network, a communication channel of the packet switched method through a wired communication between the VoIP composite terminal 100 and the server (or device) on the wired communication network As a communication medium for connecting a network, it is preferable to provide a data communication based on the TCP / IP standard and a VoIP-based voice call based on the data communication, and the type of the wired communication medium may be different according to the intention of those skilled in the art. It is possible to substitute (or add) to, by which the present invention is not limited.

Alternatively, the wireless communication medium wirelessly communicates the VoIP composite terminal 100 with a server (or device) on the wireless communication network when the VoIP composite terminal 100 connects to a wireless communication network including at least one wireless section. As a communication medium for connecting a packet-switched communication channel through a network, data communication conforming to at least one of the IEEE 802.16x standard and the High-Speed Downlink Packet Access (HSDPA) standard, and a VoIP-based voice call based on the data communication Preferably, the wired communication medium may be replaced (or added) with another communication medium according to the intention of a person skilled in the art, and the present invention is not limited thereto.

Accordingly, the communication medium information may include at least one short range wireless communication medium information, short range wireless communication medium information, short distance wired communication medium information, and short distance corresponding to at least one or more communication media to which the VoIP terminal 100 communicates as described above. It is preferable to include wired communication medium information, optical communication medium information, wired communication medium information, wireless communication medium information, at least one or more communication media of the communication medium in the VoIP composite terminal 100 according to the intention of those skilled in the art If not provided, it is preferable to omit the communication medium information not provided.

The payment processing information for each communication medium may include at least one communication medium switching information for the payment processing and at least one or more key data for the payment security processing when the payment processing is performed using the VoIP composite terminal 100. It is preferable to include at least one, and further comprising at least one or more payment-related automatic input information for the convenience of information input of the user of the VoIP terminal 100 during the payment processing.

In the payment settlement process using the VoIP composite terminal 100, when payment information for the payment settlement process is received through at least one communication medium, the communication medium switching information is a first communication medium that receives the payment information. And second communication medium information for transmitting the payment request information including the payment information and the card information read through the card reader 110.

Alternatively, when the payment information for the payment processing is input through the key input unit 120, the communication medium switching information may include the payment information input through the key input unit 120 and the card reader 110. And second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium to which the VoIP composite terminal 100 is connected before the payment processing is the second communication medium. It may be a communication medium such as a medium, or may include other communication mediums.

In addition, the key data is confidentiality, authentication, integrity, and denial of the payment request information between the VoIP composite terminal 100 and the server (or device) receiving the payment request information. It is preferable to include at least one encryption key (or decryption key) for securing Nonrepudiation.

In addition, the payment-related automatic input information may be automatically input (or corrected after automatic input) among the information input by the user through the key input unit 120 during the payment settlement process using the VoIP composite terminal 100. It is preferable that at least one information is included.

The banking processing information for each communication medium may include at least one or more key data for the financial transaction security information and the communication medium conversion information for the financial transaction processing when processing at least one or more financial transactions using the VoIP composite terminal 100. It is preferable to include one or more, it is preferable that the financial transaction further comprises at least one or more banking-related automatic input information for the convenience of information input of the user of the VoIP composite terminal (100).

In the financial transaction processing using the VoIP composite terminal 100, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include: a first receiving the financial transaction information; Preferably, the communication medium includes second communication medium information for transmitting the communication transaction information and the financial transaction request information including the financial transaction information and the card information read through the card reader 110.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 120, the communication medium switching information may be the financial transaction information input through the key input unit 120 and the card reader unit 110. It is preferable that the second communication medium information for transmitting the financial transaction request information including the card information read through), the first communication medium connected to the VoIP composite terminal 100 before the financial transaction processing is It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is an encryption key for securing confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the VoIP composite terminal 100 and the server (or device) receiving the financial transaction request information. (Or decryption key) is preferably included.

In addition, the banking-related automatic input information may be automatically input (or corrected after automatic input) among information input by the user through the key input unit 120 during the financial transaction processing using the VoIP composite terminal 100. It is preferable that at least one information is included.

The Jiro processing information for each communication medium includes at least one giro payment processing using the VoIP composite terminal 100, at least one or more key data for the Jiro payment security processing and communication medium switching information for the Jiro payment processing. It is preferable to include at least one, and further comprising at least one automatically input information related to the Jiro for the convenience of information input of the user of the VoIP composite terminal 100 during the Jiro payment process.

In the zero payment process using the VoIP composite terminal 100, when the zero payment information for the payment is received through at least one or more communication media, the communication medium switching information is the first to receive the payment information. Preferably, the communication medium information includes second communication medium information for transmitting the branch payment request information including the communication medium information, the branch payment information, and the card information read through the card reader 110.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 120, the communication medium switching information is inputted through the key input unit 120 and the card payment unit 110. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the VoIP communication terminal 100 is connected to the first communication medium before the payment process is the It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is an encryption key for securing confidentiality, authentication, integrity and non-repudiation of the branch payment request information between the VoIP composite terminal 100 and the server (or device) receiving the branch payment request information. (Or decryption key) is preferably included.

In addition, the giro related automatic input information may be automatically input (or corrected after the automatic input) of the information input by the user through the key input unit 120 during the giro payment processing using the VoIP composite terminal 100. It is preferable that at least one information is included.

The ticket processing information for each communication medium includes at least one ticket reservation / reservation using the VoIP composite terminal 100, at least one communication medium switch information for ticket reservation / reservation and at least one ticket reservation / reservation security process. Preferably, at least one key data is included, and at least one ticket reservation / reservation-related automatic input information is provided for the convenience of information input of the user of the VoIP terminal 100 during the ticket reservation / reservation. It is preferable.

When the ticket reservation / reservation using the VoIP composite terminal 100, when the ticket reservation / reservation information for the ticket reservation / reservation is received through at least one or more communication media, the communication medium switching information is the ticket reservation / reservation It includes first communication medium information for receiving the information, and the second communication medium information for transmitting the ticket reservation / reservation request information including the ticket reservation / reservation information and the card information read through the card reader 110 It is preferable to make it.

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 120, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 120 and the Preferably, the VoIP composite terminal 100 includes the second communication medium information for transmitting the ticket reservation / reservation request information including the card information read through the card reader unit 110. The first communication medium previously connected may be a communication medium such as the second communication medium, or may include another communication medium.

The key data further provides confidentiality, authentication, integrity and nonrepudiation of the ticket reservation / reservation request information between the VoIP composite terminal 100 and the server (or device) receiving the ticket reservation / reservation request information. It is preferable to include at least one encryption key (or decryption key) to secure.

In addition, the ticket reservation / reservation-related automatic input information is when the ticket reservation / reservation using the VoIP composite terminal 100, the automatic input (or after the automatic input of the information input by the user through the key input unit 120) It is preferable to include at least one information which may be modified).

The charging processing information for each communication medium may include communication medium switching information for charging the electronic money and at least one key data for the electronic money charging security process when charging the at least one electronic money using the VoIP composite terminal 100. It is preferable to include at least one, it is preferable to further comprise at least one or more electronic money charging-related automatic input information for the convenience of information input of the user of the VoIP terminal (100) when charging the electronic money.

When the electronic money is charged using the VoIP composite terminal 100, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information is used to receive the electronic money charging information. Preferably, the first communication medium includes second communication medium information for transmitting electronic money charging request information including first communication medium information, the electronic money charging information, and card information read through the card reader 110.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 120, the communication medium switching information may be input through the key input unit 120 and the electronic money charging information and the card reader unit. It is preferable that the second communication medium information for transmitting the electronic money charging request information including the card information read through the 110, the first communication connected to the VoIP composite terminal 100 before charging the electronic money The medium may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data is for securing confidentiality, authentication, integrity and nonrepudiation of the electronic money charging request information between the VoIP composite terminal 100 and the server (or device) receiving the electronic money charging request information. It is preferable that at least one encryption key (or decryption key) is included.

In addition, the electronic money charging-related automatic input information is automatically input (or corrected after automatic input) of the information input by the user through the key input unit 120, when charging the electronic money using the VoIP composite terminal 100 It is preferable to include at least one or more information which may be sufficient.

Customers using the VoIP composite terminal 100, MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard, or contact IC card (or wireless IC chip), or ISO based on the ISO / IEC 7816 standard Has a card (or possesses) at least one contactless IC card (or wireless IC chip) based on the / IEC 14443 standard, and the card reader 110 includes at least one information or It provides an interface for reading data.

According to an embodiment of the present invention, the card reader unit 110 is an MS reader unit that provides an interface between the MS card and the VoIP composite terminal 100, or the contact IC card and the VoIP composite terminal 100. It comprises a contact IC reader unit for providing an interface, or a contactless IC reader unit for providing an interface between the contactless IC card and the VoIP terminal 100.

The MS reader unit is a card reader unit 110 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary). When the MS card on which (Binary) data is recorded moves in a predetermined direction in close contact with the magnetic head (or the magnetic head moves in close contact with an MS card in which predetermined information is recorded), a predetermined electrical signal is transmitted to the magnetic head. It is characterized by interfacing the predetermined information or data from the at least one track (Track) provided in the MS of the MS card to the VoIP composite terminal 100 by using the loaded.

The contact IC reader unit is a card reader unit 110 based on ISO / IEC 7816 and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It supplies power to the IC chip of the IC card through the contact point, and the predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit) Characterized in that the interface to the VoIP composite terminal (100).

The contactless IC reader unit is a card reader unit 110 based on ISO / IEC 14443, and includes at least one or more electrical contacts in contact with the contactless IC card by using capacitive coupling or inductive coupling. It includes an antenna, and supplies power to the IC chip of the IC card through the antenna, VoIP information terminal from the IC chip through the half-duplex transaction using the APDU predetermined information or data It is characterized by interfacing to (100).

According to an embodiment of the present invention, the card reader unit 110 may provide predetermined card information (eg, a card) from at least one or more card reader units 110 for the electronic payment service defined in the VoIP composite terminal 100. It is preferable to read the payment means information corresponding to the payment means, including at least one or more credit card, check card, debit card, cash card, financial account provided in the (optional) payment according to the communication medium identification ( Or financial transaction). It is preferable to read predetermined card information from at least one or more cards.

According to the method of the present invention, the card information is a card number and expiration date information and card corresponding to a customer payment means for selective payment (or giro payment, ticket processing, or charging processing) according to the communication medium identification It is preferable to include at least one issuer information, the card number preferably comprises at least one or more credit card number, check card number, prepaid card number.

Alternatively, the card information includes at least one account number (or card number) and financial company information corresponding to a customer financial means for selective financial transactions (or giro payment, ticket processing, or charging processing) according to the communication medium identification. Preferably, the account number comprises at least one of a real account number and a virtual account number. The card number includes at least one of a cash card number, a debit card number, and a check card number. It is preferable to make it.

The key input unit 120 includes a predetermined key input device including at least one key button including at least one number key, character key, or function key. Detects information (or signals) inputted from the predetermined key, and selects a predetermined key button provided in the key input device in a specific input mode or operation mode of the VoIP composite terminal 100 controlled by the controller 105. When information (or a signal) is input, a key event corresponding to the input information (or a signal) is generated, and the generated key event is provided to the controller 105. The controller 105 Acquires predetermined key data corresponding to the key event in the current input mode or the operation mode of the VoIP composite terminal 100, or performs a predetermined function defined by matching the key event. Characterized in that for obtaining a command for performing. The key input unit 120 and the key input device having at least one key button interwork with each other to perform a function of key input means provided in the VoIP composite terminal 100.

The key input device interoperating with the key input unit 120 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a letter key (for example, an English letter key or a Korean letter key) and a function. A keyboard device having a key, or at least one numeric key and a function key in conjunction with the screen output means, or at least one touch screen device having at least one numeric key, a character key, and a function key It is preferable to make it.

According to an embodiment of the present invention, the key input unit 120 may provide key data (eg, payment) corresponding to the electronic payment service from at least one key input device for the electronic payment service defined in the VoIP composite terminal 100. It is preferable to perform a function of a key input means for receiving an amount of money, etc., and also for selective payment (or financial transaction) processing according to a communication medium identification. Or financial transaction), it is preferable to perform a function of a key input means for receiving at least one or more key data required in the process of providing a process.

According to the exemplary embodiment of the present invention, the key input device corresponding to the key input unit 120 selects an operation mode of the VoIP composite terminal 100 according to communication medium identification in an initial mode, a voice call mode, or a data communication mode. Key for switching to at least one payment mode for each communication medium, banking mode for each communication medium, giro mode for each communication medium, ticket mode for each communication medium, charging mode for each communication medium, and video receiving mode for payment (or financial transaction) processing It is desirable to have a button.

The screen output unit 115 is a liquid crystal display (LCD) or a CRT (Cathode Ray) by the control unit 105 while the VoIP composite terminal 100 performs a predetermined function (for example, an electronic payment processing function). At least one information or data that is predefined or defined in real time to be output to a predetermined display output device including a tube) through a predefined interface screen, wherein the screen output unit 115 and the screen are output. Output devices interoperate with each other to perform the function of screen output means provided in the VoIP composite terminal 100.

The predefined information or data to be output from the VoIP composite terminal 100 to the screen output device includes key data input through the key input unit 120 or components provided in the VoIP composite terminal 100. Information (or data) stored or generated by the at least one wireless communication unit 135, wired communication unit 140, information (or data) transmitted and received through the optical communication unit 145, or the VoIP composite terminal 100 It includes at least one or more information (or data) corresponding to a predetermined operation result performed by the.

According to a preferred embodiment of the present invention, the screen output unit 115 outputs an electronic payment processing screen according to each electronic payment step to the screen output device for the electronic payment service defined in the VoIP composite terminal 100. It is preferable to perform a function of a screen output means, and to provide a selective payment (or financial transaction) processing according to the communication medium identification to the screen output device for the selective payment (or financial transaction) processing according to the communication medium identification. It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the step.

The sound processor 125 is a function component that processes input and output of sound in the voice call mode of the VoIP composite terminal 100. The sound processor 125 decodes at least one encoded sound data (or voice data) to decode the VoIP. It is provided with a vocoder and a codec for encoding and encoding a sound signal outputted through a speaker provided in the composite terminal 100 or through a microphone provided in the VoIP composite terminal 100. Characterized in that made.

The wireless communication unit 135 includes at least one short range wireless communication unit 135 and a wide area wireless communication unit 135.

The short range wireless communication unit 135 is a communication unit that connects communication with the short range wireless communication medium in the VoIP composite terminal 100, and is a wireless AP (or wireless access point) (or wireless) located at a short distance with the VoIP composite terminal 100. IP router) to connect the short-range communication channel through the wireless, or directly connect the short-range communication channel through the wireless device (or server) located in the near field with the VoIP composite terminal 100.

According to an embodiment of the present invention, the short range wireless communication unit 135 connects a short distance communication channel through the wireless AP (or wireless IP sharer) located at a short distance with the VoIP composite terminal 100. In this case, the short-range wireless communication unit 135 preferably includes at least one Bluetooth (BlueTooth) communication, Wi-Fi (Wi-Fi) communication, UWB (Ultra Wide Band system) communication function according to the IEEE 802.11.x standard. .

According to another exemplary embodiment of the present invention, when the short range wireless communication unit 135 directly connects a short distance communication channel with the VoIP composite terminal 100 and a device (or server) located in a short range through wireless, the short range wireless communication The communication unit 135 preferably includes at least one of RF (Radio Frequency) communication, Bluetooth communication, Wi-Fi communication, and UWB communication supporting a direct communication method.

The wide area wireless communication unit 135 is a communication unit that connects communication with the wireless communication medium in the VoIP composite terminal 100, and when the VoIP composite terminal 100 connects to a wireless communication network including at least one wireless section. In addition, the VoIP composite terminal 100 and a server (or device) on the wireless communication network is characterized in that for connecting the packet-switched communication channel via wireless communication.

According to an embodiment of the present invention, the wide area wireless communication unit 135 preferably provides data communication conforming to at least one of the IEEE 802.16x standard and the HSDPA standard, and a VoIP-based voice call based on the data communication.

The wireless communication unit 135 is characterized in that it comprises at least one or more short-range wired communication unit 140 and a wide area wired communication unit 140.

The short-range wired communication unit 140 is a communication unit for connecting communication with the short-range wired communication medium in the VoIP composite terminal 100, a hub (or an IP router, a communication modem) located at a short distance with the VoIP composite terminal 100. To connect a short-range communication channel through a wire, or directly connected to the short-range communication channel through a wired device (or server) located in the near field and the VoIP composite terminal 100.

According to an embodiment of the present invention, when the short-range wired communication unit 140 connects the short-range communication channel with the VoIP composite terminal 100 and a hub (or an IP sharer, a communication modem) located in a short distance through a wire, The short-range wired communication unit 140 preferably includes at least one of a NetBIOS standard, an IPX / SPX standard, and a TCP / IP standard.

According to another exemplary embodiment of the present invention, when the short-range wired communication unit 140 directly connects a short distance communication channel with the VoIP composite terminal 100 and a device (or server) located in a short distance through a wire, the short-range wired The communication unit 140 preferably includes at least one USB (Universal Serial Bus) and RS-232c supporting a direct communication method.

The wide area wired communication unit 140 is a communication unit that connects communication with the wired communication medium in the VoIP composite terminal 100, when the VoIP composite terminal 100 is connected to a wired communication network (or intelligent network), the VoIP composite A terminal (100) and a server (or device) on the wired communication network may be connected to a communication channel of a packet switched method through wired communication.

According to an embodiment of the present invention, the wide area wired communication unit 140 preferably provides data communication based on the TCP / IP standard and VoIP based voice call based on the data communication.

The optical communication unit 145 is a communication unit that connects the communication with the optical communication medium in the VoIP composite terminal 100, an optical communication in the infrared region with a device (or server) located in close proximity to the VoIP composite terminal 100 It is characterized in that the short-range communication channel through the direct connection.

According to an embodiment of the present invention, the optical communication unit 145 preferably comprises at least one infrared communication conforming to the Infrared Data Association (IrDA) standard and at least one infrared communication conforming to the Infrared Finance Messaging (IrFM) standard of IrDA. .

The Secure Application Module (SAM) is a confidentiality or authentication required in the process of performing the selective payment (or financial transaction) by the VoIP composite terminal 100 according to the communication medium identification. Or to perform security requirements including integrity or nonrepudiation in a secure and reliable structure within the VoIP composite terminal 100 without using an authentication server (not shown) on a payment network. As a safety device, the VoIP composite terminal 100 encrypts or decrypts a predetermined message (information or data) processed in the course of performing a predetermined security request function (for example, an electronic payment or electronic payment function), and the message Adds an authenticator that prevents forgery (or tampering), or provides valuable information in the process of It characterized in that it performs the function of Chapter.

In general, the security application module is preferably composed of a predetermined security application module inserter and a security application module chip, the security application module chip is a chip containing at least 8 bits or more CPU and memory, the performance of 2 MIPS (Million Instructions Per Second) or more It is preferable to include an Application Specific Integrated Circuit (ASIC) chip (eg, PLCC 44-pin chip) or an IC chip (eg, an IC card in the form of a subscriber identity module (SIM)).

In addition, the security application module is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value, etc.) required for the VoIP composite terminal 100 to perform a predetermined security request function Or a key (e.g., one master key and at least one application key) or protocol (e.g., trading protocol, re-transaction protocol, last transaction cancellation protocol, collection protocol, SAM issuance protocol, (e-money / card company) registration protocol, authorization Acquisition protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setup / mode switch / gather / delete / discard / initialize / reprocess / cancel command) It is preferable to comprise.

According to an embodiment of the present invention, the memory of the security application module is a short-range wireless communication medium information corresponding to at least one or more communication media that can be connected to the VoIP composite terminal 100 in place of the memory unit 130, A plurality of communication medium information including at least one of near field wireless communication medium information, near field wire communication medium information, near field wire communication medium information, optical communication medium information, wire communication medium information, and wireless communication medium information, and payment processing for each communication medium It is possible to store at least one information, banking processing information for each communication medium, jiro processing information for each communication medium, ticket processing information for each communication medium, charging processing information for each communication medium.

The communication medium information may include at least one short range wireless communication medium information, a short range wireless communication medium information, a short distance wired communication medium information, and a short distance corresponding to at least one or more communication mediums to which the VoIP composite terminal 100 communicates as described above. It is preferable to include wired communication medium information, optical communication medium information, wired communication medium information, wireless communication medium information, at least one or more communication media of the communication medium in the VoIP composite terminal 100 according to the intention of those skilled in the art If not provided, it is preferable to omit the communication medium information not provided.

The payment processing information for each communication medium may include at least one communication medium switching information for the payment processing and at least one or more key data for the payment security processing when the payment processing is performed using the VoIP composite terminal 100. It is preferable to include one or more.

In the payment settlement process using the VoIP composite terminal 100, when payment information for the payment settlement process is received through at least one communication medium, the communication medium switching information is a first communication medium that receives the payment information. And second communication medium information for transmitting the payment request information including the payment information and the card information read through the card reader 110.

Alternatively, when the payment information for the payment processing is input through the key input unit 120, the communication medium switching information may include the payment information input through the key input unit 120 and the card reader 110. And a second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium connected to the VoIP composite terminal 100 before the payment processing is the second communication medium. It is possible to include a communication medium such as a communication medium or other communication mediums.

In addition, the key data is confidentiality, authentication, integrity, and denial of the payment request information between the VoIP composite terminal 100 and the server (or device) receiving the payment request information. It is preferable to include at least one encryption key (or decryption key) for securing Nonrepudiation.

The banking processing information for each communication medium may include at least one or more key data for the financial transaction security information and the communication medium conversion information for the financial transaction processing when processing at least one or more financial transactions using the VoIP composite terminal 100. It is preferable to include one or more.

In the financial transaction processing using the VoIP composite terminal 100, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include: a first receiving the financial transaction information; Preferably, the communication medium information includes second communication medium information for transmitting the financial transaction information and the financial transaction request information including the card information read through the card reader 110.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 120, the communication medium switching information may be the financial transaction information input through the key input unit 120 and the card reader unit 110. It is preferable that the second communication medium information for transmitting the financial transaction request information including the card information read through), the first communication medium connected to the VoIP composite terminal 100 before the financial transaction processing is It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is an encryption key for securing confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the VoIP composite terminal 100 and the server (or device) receiving the financial transaction request information. (Or decryption key) is preferably included.

The Jiro processing information for each communication medium includes at least one giro payment processing using the VoIP composite terminal 100, at least one or more key data for the Jiro payment security processing and communication medium switching information for the Jiro payment processing. It is preferable to include one or more.

In the zero payment process using the VoIP composite terminal 100, when the zero payment information for the payment is received through at least one or more communication media, the communication medium switching information is the first to receive the payment information. Preferably, the communication medium information includes second communication medium information for transmitting the branch payment request information including the communication medium information, the branch payment information, and the card information read through the card reader 110.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 120, the communication medium switching information is inputted through the key input unit 120 and the card payment unit 110. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the VoIP communication terminal 100 is connected to the first communication medium before the payment process is the It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is an encryption key for securing confidentiality, authentication, integrity and non-repudiation of the branch payment request information between the VoIP composite terminal 100 and the server (or device) receiving the branch payment request information. (Or decryption key) is preferably included.

The ticket processing information for each communication medium includes at least one ticket reservation / reservation using the VoIP composite terminal 100, at least one communication medium switch information for ticket reservation / reservation and at least one ticket reservation / reservation security process. It is preferable to include at least one or more key data.

When the ticket reservation / reservation using the VoIP composite terminal 100, when the ticket reservation / reservation information for the ticket reservation / reservation is received through at least one or more communication media, the communication medium switching information is the ticket reservation / reservation It includes first communication medium information for receiving the information, and the second communication medium information for transmitting the ticket reservation / reservation request information including the ticket reservation / reservation information and the card information read through the card reader 110 It is preferable to make it.

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 120, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 120 and the Preferably, the VoIP composite terminal 100 includes the second communication medium information for transmitting the ticket reservation / reservation request information including the card information read through the card reader unit 110. The first communication medium previously connected may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data secures confidentiality, authentication, integrity, and nonrepudiation of the ticket reservation / reservation request information between the VoIP composite terminal 100 and the server (or device) receiving the ticket reservation / reservation request information. At least one encryption key (or decryption key) is preferably included.

The charging processing information for each communication medium may include communication medium switching information for charging the electronic money and at least one key data for the electronic money charging security process when charging the at least one electronic money using the VoIP composite terminal 100. It is preferable to comprise at least one or more.

When the electronic money is charged using the VoIP composite terminal 100, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information is used to receive the electronic money charging information. Preferably, the first communication medium includes second communication medium information for transmitting electronic money charging request information including first communication medium information, the electronic money charging information, and card information read through the card reader 110.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 120, the communication medium switching information may be input through the key input unit 120 and the electronic money charging information and the card reader unit. It is preferable that the second communication medium information for transmitting the electronic money charging request information including the card information read through the 110, the first communication connected to the VoIP composite terminal 100 before charging the electronic money The medium may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data is for securing confidentiality, authentication, integrity and nonrepudiation of the electronic money charging request information between the VoIP composite terminal 100 and the server (or device) receiving the electronic money charging request information. It is preferable that at least one encryption key (or decryption key) is included.

Referring to FIG. 1, the VoIP composite terminal 100 is connected to a communication unit that processes at least one wide area communication of the wireless communication unit 135 and the wired communication unit 140 in a voice call mode (eg, a VoIP system on a communication network). And a communication channel connection unit 160 for connecting a communication channel with a VoIP gateway and a VoIP gatekeeper, and when performing a call processing procedure for a VoIP-based voice call through the communication channel, when connecting with at least one call terminal, And a voice call processor 184 for providing a voice call service and a call terminal to which the call is connected through a communication channel.

The VoIP composite terminal 100 shown in FIG. 1 basically provides a VoIP voice call function, and for this purpose, the communication channel connection unit 160 may include at least one of the wireless communication unit 135 and the wired communication unit 140. And a communication channel for VoIP voice call with a VoIP gateway or a VoIP gatekeeper on a communication network in connection with a communication unit that processes the communication.

The communication channel for the VoIP voice call may include a protocol for connecting a call by performing a call processing procedure with at least one call terminal, and the VoIP composite terminal 100 and at least one server (or device) may have a message ( For example, it characterized in that it comprises a protocol for transmitting and receiving a short message).

The voice call processing unit 184 performs a call processing procedure with at least one or more other call terminals in connection with a VoIP gateway or a VoIP gatekeeper on a communication network through the communication channel, and when connecting with at least one call terminal, It provides a call terminal and the VoIP-based voice call service connected to the call through a communication channel.

Those skilled in the art will be familiar with the technical features of the communication channel connection unit 160 and voice call processing unit 184 for the VoIP-based voice call, so that more detailed Description will be omitted for convenience.

Referring to FIG. 1, the VoIP composite terminal 100 communicates with a web server on a communication network in association with a communication unit that processes at least one wide area communication among the wireless communication unit 135 and the wired communication unit 140 in a data communication mode. And a data communication processor 186 for providing a browsing service provided by the web server through the communication channel.

The VoIP composite terminal 100 shown in FIG. 1 provides a browsing function in addition to the VoIP voice call function. For this purpose, the communication channel connection unit 160 includes at least one of the wireless communication unit 135 and the wired communication unit 140. A web server (eg, a web server corresponding to a Hyper-Text Transfer Protocol (HTTP) compliant protocol, or a web server corresponding to a WAP (Wireless Application Protocol) protocol) on a communication network in connection with a communication unit for processing a wide area communication, for browsing It is characterized by connecting a communication channel.

The data communication processing unit 186 connects a communication channel for browsing service with a web server on a communication network through a communication channel corresponding to an HTTP compatible protocol or a WAP protocol, and is compatible with Hyper-Text Markup Language (HTML) from the web server. A document, or a web document in the form of a wireless markup language (WML) compatible document, may be received and output through the screen output unit 115.

Those skilled in the art will be familiar with the technical features of the communication channel connection unit 160 and the data communication processing unit 186 for the browsing service, a more detailed description thereof It will be omitted for convenience.

Referring to FIG. 1, the VoIP composite terminal 100 is connected to at least one communication unit of the wireless communication unit 135, the wired communication unit 140, and the optical communication unit 145 in close proximity with the VoIP composite terminal 100. Communication medium search unit 180 for searching for at least one communication medium connectable to the VoIP composite terminal 100 by connecting a communication channel with at least one device (or server) or a server (or device) on a communication network. ), When the communication medium searching unit 180 searches for at least one communication medium, the searched communication medium information, the payment processing information for each communication medium, the banking processing information for each communication medium, the jiro processing information for each communication medium, And a communication medium information storage unit 182 storing the ticket processing information for each communication medium and the charging processing information for each communication medium in the memory unit 130.

In order to process the selective payment (or financial transaction) according to the communication medium identification, the communication medium search unit 180 is the wireless communication unit 135, the wired communication unit (I) in the idle state of the voice call mode or data communication mode ( 140, at least one or more devices (or servers) located in the near field with the VoIP composite terminal 100 periodically according to a channel discovery protocol corresponding to each communication unit of the optical communication unit 145, or a server (or device) on a communication network. And at least one communication medium connectable to the VoIP composite terminal 100 by connecting a communication channel.

The communication medium searched by the communication medium searching unit 180 may be a short range wireless communication medium, a short distance wired communication medium, or an optical fiber that processes information (or data) exchange between the VoIP composite terminal 100 and an external device (or server). Preferably, the communication device comprises at least one communication medium and a wide area communication medium. The short range wireless communication medium includes at least one short range wireless communication medium in a packet-switched manner and at least one short range wireless communication medium in a direct communication method. The communication medium may include at least one short-range wired communication medium of a packet switched method and a short-range wired communication medium of a direct communication method, and the wide area communication medium may include at least one wired communication medium and at least one wireless communication medium.

Here, the packet-switched short-range wireless communication medium is connected to the VoIP composite terminal 100 and a wireless access point (or wireless IP sharer) located in a short distance through a wireless connection to the short-range communication channel, the wireless AP (Or a wireless IP router) is a communication medium for wirelessly connecting a short-range communication channel to the wireless AP (or wireless IP router) and at least one device (or server) located at a short distance by wireless. It is preferable to include at least one Bluetooth (BlueTooth), Wi-Fi (Ui-Fi), UWB (Ultra Wide Band system) and the like conforming to the IEEE 802.11. Therefore, it is possible to replace (or add) with another communication medium, thereby not limiting the present invention.

Or, the short-range wireless communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel through the wireless device (or server) located in the near field with the VoIP composite terminal 100, the short-range wireless communication medium is It is preferable to include at least one or more RF (Radio Frequency) communication, Bluetooth, Wi-Fi, UWB to support a direct communication method, and the short-range wireless communication medium type is replaced (or added) according to the intention of those skilled in the art The present invention is not limited thereto.

Alternatively, the packet-switched short-range wired communication medium connects the short-range communication channel to the VoIP composite terminal 100 and a hub (or an IP router or a communication modem) located at a short distance through a wire, and the hub (or an IP router). And a communication medium connecting a hub (or an IP router, a communication modem) and a device (or server) located in a short distance to a short distance communication channel through a wire. The short range wireless communication medium may be a NetBIOS standard, It is preferable to include at least one or more of the IPX / SPX specification, TCP / IP (Transmission Control Protocol / Internet Protocol) standards, the short-range wired communication medium type is replaced (or added) with another communication medium according to the intention of those skilled in the art The present invention is not limited thereto.

Alternatively, the short-range wired communication medium of the direct communication method is a communication medium for directly connecting a short-range communication channel via a wire to the VoIP composite terminal 100 and a device (or server) located in the short-range, the short-range wired communication medium is It is preferable to include at least one USB (Universal Serial Bus) and RS-232c which supports a direct communication method, and the short-range wired communication medium may be replaced (or added) with another one according to the intention of a person skilled in the art. The present invention is not limited thereby.

Alternatively, the optical communication medium is a communication medium that directly connects the VoIP composite terminal 100 with a device (or server) located in a near field and a near field communication channel through optical communication in an infrared region, and is an IrDA (Infrared Data Association) standard. Infrared communication in accordance with the above, IrDA (Infrared Finance Messaging) of IrFM (Infrared Communication Messaging) is preferably made to include at least one or more, the optical communication medium type is to replace (or add) to another communication medium according to the intention of those skilled in the art It is possible that the present invention is not limited thereby.

Or, the wired communication medium, when the VoIP composite terminal 100 is connected to a wired communication network, a communication channel of the packet switched method through a wired communication between the VoIP composite terminal 100 and the server (or device) on the wired communication network As a communication medium for connecting a network, it is preferable to provide a data communication based on the TCP / IP standard and a VoIP-based voice call based on the data communication, and the type of the wired communication medium may be different according to the intention of those skilled in the art. It is possible to substitute (or add) to, by which the present invention is not limited.

Alternatively, the wireless communication medium wirelessly communicates the VoIP composite terminal 100 with a server (or device) on the wireless communication network when the VoIP composite terminal 100 connects to a wireless communication network including at least one wireless section. As a communication medium for connecting a packet-switched communication channel through a network, data communication conforming to at least one of the IEEE 802.16x standard and the High-Speed Downlink Packet Access (HSDPA) standard, and a VoIP-based voice call based on the data communication Preferably, the wired communication medium may be replaced (or added) with another communication medium according to the intention of a person skilled in the art, and the present invention is not limited thereto.

Those skilled in the art to which the present invention pertains, among the wireless communication unit 135, wired communication unit 140, optical communication unit 145, to familiarize with the technical features of the channel search protocol corresponding to each communication unit Since there will be, a more detailed description thereof will be omitted for convenience.

When at least one communication medium is searched by the communication medium search unit 180, the communication medium information storage unit 182 associates the searched communication medium information with payment processing information for each communication medium and the memory unit 130. ) (Or a security application module).

The payment processing information for each communication medium may include at least one communication medium switching information for the payment processing and at least one or more key data for the payment security processing when the payment processing is performed using the VoIP composite terminal 100. It is preferable to include one or more.

In the payment settlement process using the VoIP composite terminal 100, when payment information for the payment settlement process is received through at least one communication medium, the communication medium switching information is a first communication medium that receives the payment information. And second communication medium information for transmitting the payment request information including the payment information and the card information read through the card reader 110.

Alternatively, when the payment information for the payment processing is input through the key input unit 120, the communication medium switching information may include the payment information input through the key input unit 120 and the card reader 110. And a second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium connected to the VoIP composite terminal 100 before the payment processing is the second communication medium. It is possible to include a communication medium such as a communication medium or other communication mediums.

In addition, the key data is confidentiality, authentication, integrity, and denial of the payment request information between the VoIP composite terminal 100 and the server (or device) receiving the payment request information. It is preferable to include at least one encryption key (or decryption key) for securing Nonrepudiation.

In accordance with an embodiment of the present invention, the payment processing information for each communication medium is linked to the memory unit 130 (or the security application module) in a state in which the communication information is inactivated with a plurality of communication medium information that can be connected through the VoIP composite terminal 100. When the data is stored and stored, the communication medium information storage unit 182 may be linked with the searched communication medium information to activate payment processing information for each stored communication medium.

When at least one communication medium is searched by the communication medium search unit 180, the communication medium information storage unit 182 associates the searched communication medium information with banking processing information for each communication medium and the memory unit 130. ) (Or a security application module).

The banking processing information for each communication medium may include at least one or more key data for the financial transaction security information and the communication medium conversion information for the financial transaction processing when processing at least one or more financial transactions using the VoIP composite terminal 100. It is preferable to include one or more.

In the financial transaction processing using the VoIP composite terminal 100, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include: a first receiving the financial transaction information; Preferably, the communication medium includes second communication medium information for transmitting the communication transaction information and the financial transaction request information including the financial transaction information and the card information read through the card reader 110.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 120, the communication medium switching information may be the financial transaction information input through the key input unit 120 and the card reader unit 110. It is preferable that the second communication medium information for transmitting the financial transaction request information including the card information read through), the first communication medium connected to the VoIP composite terminal 100 before the financial transaction processing is It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is an encryption key for securing confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the VoIP composite terminal 100 and the server (or device) receiving the financial transaction request information. (Or decryption key) is preferably included.

According to an exemplary embodiment of the present invention, the banking processing information for each communication medium is linked to the memory unit 130 (or the security application module) in a state in which it is inactivated with a plurality of communication medium information that can be connected through the VoIP composite terminal 100. In the case where the data is stored, the communication medium information storage unit 182 activates banking processing information for each communication medium stored in association with the searched communication medium information.

When at least one communication medium is searched by the communication medium search unit 180, the communication medium information storage unit 182 associates the searched communication medium information with processing information for each communication medium to the memory unit 130. ) (Or a security application module).

The Jiro processing information for each communication medium includes at least one giro payment processing using the VoIP composite terminal 100, at least one or more key data for the Jiro payment security processing and the communication medium switching information for the Jiro payment processing. It is preferable to include one or more.

In the zero payment process using the VoIP composite terminal 100, when the zero payment information for the payment is received through at least one or more communication media, the communication medium switching information is the first to receive the payment information. Preferably, the communication medium information includes second communication medium information for transmitting the branch payment request information including the communication medium information, the branch payment information, and the card information read through the card reader 110.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 120, the communication medium switching information is inputted through the key input unit 120 and the card payment unit 110. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the VoIP communication terminal 100 is connected to the first communication medium before the payment process is the It is possible to include a communication medium such as a second communication medium or another communication medium.

In addition, the key data is encrypted to secure the confidentiality, authentication, integrity and non-repudiation of the Jiro payment request information between the VoIP composite terminal 100 and the server (or device) receiving the Jiro payment request information It is preferable to include at least one key (or decryption key).

In accordance with an embodiment of the present invention, the processing information for each communication medium is linked to the memory unit 130 (or the security application module) in a deactivated state with a plurality of communication medium information that can be connected through the VoIP composite terminal 100. In the case where the data is stored and stored, the communication medium information storage unit 182 activates processing information for each communication medium stored in association with the searched communication medium information.

When at least one communication medium is searched by the communication medium search unit 180, the communication medium information storage unit 182 associates the searched communication medium information with ticket processing information for each communication medium and the memory unit 130. ) (Or a security application module).

The ticket processing information for each communication medium includes at least one ticket reservation / reservation using the VoIP composite terminal 100, at least one communication medium switch information for ticket reservation / reservation and at least one ticket reservation / reservation security process. It is preferable to include at least one or more key data.

When ticket reservation / reservation using the VoIP composite terminal 100, when ticket reservation / reservation information for the ticket reservation / reservation is received through at least one communication medium, the communication medium switching information is the ticket reservation / reservation. It includes first communication medium information for receiving the information, and the second communication medium information for transmitting the ticket reservation / reservation request information including the ticket reservation / reservation information and the card information read through the card reader 110 It is preferable to make it.

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 120, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 120 and the Preferably, the VoIP composite terminal 100 includes the second communication medium information for transmitting the ticket reservation / reservation request information including the card information read through the card reader unit 110. The first communication medium previously connected may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data secures confidentiality, authentication, integrity, and nonrepudiation of the ticket reservation / reservation request information between the VoIP composite terminal 100 and the server (or device) receiving the ticket reservation / reservation request information. At least one encryption key (or decryption key) is preferably included.

According to an exemplary embodiment of the present invention, the ticket processing information for each communication medium is linked to the memory unit 130 (or the security application module) in a state where the communication information is inactivated with a plurality of communication media information that can be connected through the VoIP composite terminal 100. When the data is stored and stored, the communication medium information storage unit 182 may be processed in association with the searched communication medium information to activate ticket processing information for each stored communication medium.

When at least one communication medium is searched by the communication medium search unit 180, the communication medium information storage unit 182 associates the searched communication medium information with charging processing information for each communication medium to form the memory unit 130. ) (Or a security application module).

The charging processing information for each communication medium may include communication medium switching information for charging the electronic money and at least one key data for the electronic money charging security process when charging the at least one electronic money using the VoIP composite terminal 100. It is preferable to comprise at least one or more.

When the electronic money is charged using the VoIP composite terminal 100, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information is used to receive the electronic money charging information. Preferably, the first communication medium includes first communication medium information, second communication medium information for transmitting electronic money charging request information including the electronic money charging information and card information read through the card reader unit 110. .

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 120, the communication medium switching information may be input through the key input unit 120 and the electronic money charging information and the card reader unit. It is preferable that the second communication medium information for transmitting the electronic money charging request information including the card information read through the 110, the first communication connected to the VoIP composite terminal 100 before charging the electronic money The medium may be a communication medium such as the second communication medium, or may include another communication medium.

In addition, the key data is for securing confidentiality, authentication, integrity and nonrepudiation of the electronic money charging request information between the VoIP composite terminal 100 and the server (or device) receiving the electronic money charging request information. It is preferable that at least one encryption key (or decryption key) is included.

According to an exemplary embodiment of the present invention, the charging processing information for each communication medium is linked to the memory unit 130 (or the security application module) in a state in which it is inactivated with a plurality of communication medium information that can be connected through the VoIP composite terminal 100. When the data is stored and stored, the communication medium information storage unit 182 may be processed in association with the searched communication medium information to activate charging processing information for each stored communication medium.

Referring to FIG. 1, the VoIP composite terminal 100 selects a plurality of communication media information found in the memory unit 130 by the communication media information storage unit 182 according to communication medium identification. The wireless communication unit 135, the wired communication unit 140, and the optical communication unit 145, in connection with at least one communication unit for the payment settlement (or financial transaction) processing in accordance with the operation mode of the VoIP terminal 100 Communication channel connection unit 160 for connecting a communication channel with a VoIP composite terminal 100 and a device (or server) located in the local area, or a server (or device) on a communication network, and communication connected through the communication channel connection unit 160 And a communication medium checking unit 170 for identifying a communication medium corresponding to the channel.

When the operation mode of the VoIP composite terminal 100 is a voice call mode according to an embodiment of the present invention, the communication channel connection unit 160 is a wide area communication of at least one of the wireless communication unit 135 and the wired communication unit 140. The VoIP gateway on the communication network, or the VoIP gatekeeper and the communication channel for the VoIP voice call is connected in connection with the communication unit for processing, in this case, the communication medium confirmation unit 170 is the VoIP composite terminal 100 The connected communication medium may be identified as a wireless communication medium or a wired communication medium for the VoIP-based voice call.

Alternatively, when the operation mode of the VoIP composite terminal 100 is a data communication mode, the communication channel connection unit 160 provides a web server and a browsing service on a communication network through a communication channel corresponding to an HTTP compatible protocol or a WAP protocol. Connecting a communication channel, receiving a web document in the form of a Hyper-Text Markup Language (HTML) compatible document or a WML (Wireless Markup Language) compatible document from the web server and outputting the web document through the screen output unit 115; In this case, the communication medium checking unit 170 checks the communication medium to which the VoIP composite terminal 100 is connected as a wireless communication medium or a wired communication medium for the data communication.

When the operation mode of the VoIP composite terminal 100 is the voice call mode or the data communication mode, the communication channel connection unit 160 is connected to the communication channel of the device (or server) located near the VoIP composite terminal 100. The device (or server) and the local area communication channel are connected by request, or the device (or server) located near the VoIP compound terminal 100 by menu selection provided in the VoIP compound terminal 100 Characterized in that the communication channel is connected.

In this case, the communication medium checking unit 170 is a packet-switched short-range wireless communication medium, a direct communication short-range wireless communication according to a communication medium connecting the short-range communication channel to the communication medium to which the VoIP composite terminal 100 is connected. A communication medium, a short-range wired communication medium of a packet-switched method, a short-range wired communication medium of a direct communication method, or an optical communication medium may be identified.

Referring to FIG. 1, the VoIP terminal 100 for selective payment according to the identification of a communication medium according to an embodiment of the present invention, of the plurality of menus output through the screen output unit 115, When the payment menu is selected through the key input unit 120, the first communication medium (or the VoIP composite terminal 100) identified by the communication medium checking unit 170 in association with the memory unit 130 is presently present. An information checking unit 166 for identifying at least one second communication medium information included in payment processing information including first media information corresponding to the first communication medium connected thereto; and the payment settlement of the second communication mediums. Outputs a mode selection interface for selecting a second communication medium to process the data; and selects a second communication medium to be settled through the key input unit 120 to determine an operation mode of the VoIP composite terminal 100 in the first communication; Media Information and Reminders A mode switching unit 168 for switching to a payment mode for each communication medium corresponding to the selected second communication medium information, and a communication for processing the payment through the selected second communication medium when switching to the payment mode for each communication medium; When the communication channel connection unit 160 connecting the channel and the communication channel through the second communication medium, the payment information and payment security information for payment processing through the second communication medium through the key input unit 120 An interface output unit 172 which receives an input and outputs a payment interface for each communication medium receiving card information read from a customer card through the card reader unit 110, and the payment information and the payment information through the payment interface for each communication medium; An information input unit 174 for inputting payment security information and card information is provided.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one of a payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 115. Outputs a plurality of menus, and when the payment menu is selected from the plurality of menus through the key input unit 120, the information checking unit 166 is configured to identify the first information checked by the communication medium checking unit 170. Confirm first media information corresponding to a communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected), and communication medium switching information including first medium information in association with the memory unit 130. Confirming at least one or more payment processing information, including, and at least one or more second communication medium information included in the confirmed payment processing information.

When the at least one second communication medium information is confirmed by the information checking unit 166, the mode switching unit 168 is connected to the screen output unit 115 to determine one or more of the at least one second communication medium. And a mode selection interface for selecting a second communication medium to process the payment. When the second communication medium to be paid is selected through the key input unit 120, the VoIP terminal 100 of the VoIP terminal 100 is selected. The operation mode may be switched to a payment mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the payment mode for each communication medium is a device (or server) located in the near field with the VoIP complex terminal 100 via a packet-switched short-range wireless communication medium for the payment request information generated in the VoIP complex terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, a device (or server) located near the VoIP composite terminal 100 through the short range wireless communication medium of the payment request information generated by the VoIP composite terminal 100 through a direct communication method. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, an apparatus (or a server) located at a short distance from the VoIP composite terminal 100 via a packet-switched short-range wired communication medium for payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in which payment request information generated by the VoIP composite terminal 100 is directly communicated. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the payment request information generated by the VoIP composite terminal 100 is transmitted to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a payment mode for processing the payment.

Alternatively, the payment mode for each communication medium may include a payment mode for processing the payment by transmitting payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium. It is preferable to make.

Alternatively, the payment mode for each communication medium may include a payment mode for transmitting the payment request information generated in the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the payment. It is preferable to make.

When the operation mode of the VoIP composite terminal 100 is switched to the payment mode for each communication medium by the mode switching unit 168, the communication channel connection unit 160 receives payment request information through the selected second communication medium. And transmit a communication channel for processing the payment by transmitting.

Here, the communication channel connection unit 160 is a short-range wireless communication channel for transmitting the payment request information to the device (or server) located in the near field and the VoIP composite terminal 100 through a short-range wireless communication medium of the packet exchange method. It is preferable to connect.

Alternatively, the communication channel connection unit 160 transmits a short range wireless communication channel for transmitting the payment request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 160 transmits a short-range wired communication channel for transmitting the payment request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is preferable to connect.

Alternatively, the communication channel connection unit 160 transmits a short-range wired communication channel for transmitting the payment request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 160 may connect an optical communication channel for transmitting the payment request information to the VoIP composite terminal 100 and a device (or server) located at a short distance through an optical communication medium.

Alternatively, the communication channel connection unit 160 may connect a wide area communication channel for transmitting the payment request information to a server (or device) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 160 may connect a wide area communication channel for transmitting the payment request information to a server (or device) on the communication network through a wireless communication medium.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 160, the interface output unit 172 provides payment information for payment processing through the second communication medium through the key input unit 120. (E.g., payment amount, merchant information) and payment security information (e.g., card password, platform OTP (One Time Password authenticated by a server (or device) on a communication network other than a card company / financial company), etc.), and the card reader unit Characterized in that by outputting the payment interface for each communication medium receiving the card information read from the customer card through (110).

Here, the payment interface for each communication medium may include payment information (eg, payment amount, merchant information) and payment security information (eg, card password, for payment processing through the second communication medium through the key input unit 120). Platform OTP, etc.) is preferably included, and preferably comprises a user interface for requesting to read the customer card through the card reader 110.

If the customer card is an IC card and the card reader unit 110 includes an IC reader unit, the payment interface for each communication medium uses a password (eg, a PIN (Personal Identification Number)) included in the payment security information. It is preferable to further comprise a user interface for confirming the validity through the IC card.

According to another exemplary embodiment of the present invention, a device (or server) located in close proximity to the VoIP composite terminal 100 and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel by the communication channel connection unit 160, Is connected, and the payment request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the payment processing), the payment for each communication medium The interface may omit some of the user interface for receiving payment information (eg, payment amount, merchant information) and payment security information (eg, card password, platform OTP, etc.), and the present invention is not limited thereto.

After the payment interface for each communication medium is output by the interface output unit 172, the information input unit 174 transmits the payment information (eg, payment amount and merchant information) and payment security through the key input unit 120. Characterized in that the information (for example, card password, platform OTP, etc.) input processing.

According to another exemplary embodiment of the present invention, a part of the user interface for receiving the payment information (eg, payment amount, merchant information) and payment security information (eg, card password, platform OTP, etc.) is omitted from the payment interface for each communication medium. In this case, the information input unit 174 may not process the input information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader 110 based on the payment interface for each communication medium, the information input unit 174 inputs the card information in association with the card reader 110. Characterized in that.

Referring to FIG. 1, the VoIP composite terminal 100 is connected to the VoIP composite terminal 100 by the communication channel connection unit 160 for selective payment according to a communication medium identification according to another embodiment of the present invention. A message receiving unit 162 for receiving a card transaction message from the connected first communication medium, a message checking unit 164 for confirming whether payment information is included by reading the received card transaction message, and checking the payment information Confirm first communication medium information corresponding to the first communication medium (or the first communication medium receiving the card transaction message) identified by the communication medium checking unit 170, and the memory unit 130. An information confirming unit 166 for confirming second communication medium information corresponding to the payment information among second communication medium information linked to the first communication medium information in association with the first communication medium information; Done A communication channel connection unit 160 for connecting a communication channel for processing the payment through a communication medium, and an operation mode of the VoIP composite terminal 100 when the communication channel is connected through a second communication medium; A mode switching unit 168 for switching to a payment mode for each communication medium including communication medium information and second communication medium information, and payment security for payment settlement processing through the second communication medium through the key input unit 120; An interface output unit 172 for receiving information and outputting a payment interface for each communication medium receiving card information read from a customer card through the card reader unit 110 and the payment through the payment interface for each communication medium; And an information input unit 174 for inputting security information and card information.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 160, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 162 receives a message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 160. Accordingly, a predetermined card transaction message for selective payment according to the communication medium identification is received.

When a predetermined card transaction message is received by the message receiving unit 162, the message checking unit 164 reads the received card transaction message and checks whether payment information is included.

According to an embodiment of the present invention, the payment information included in the card transaction message preferably includes a payment amount and merchant information. PG identification information, payment page URL information, and payment according to the intention of a person skilled in the art. It is preferable that the payment path code information further comprises at least one.

When the message confirming unit 164 determines that the payment information is included in the card transaction message, the information confirming unit 166 receives the card transaction message in association with the communication medium confirming unit 170. Identifying a first communication medium, identifying at least one or more payment processing information including communication medium switching information including first media information in association with the memory unit 130, and included in the confirmed payment processing information; Among the at least one piece of second communication medium information, the second communication medium information corresponding to the payment information is confirmed.

According to an exemplary embodiment of the present invention, the information checking unit 166 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 130. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the payment information includes the payment page URL, the information checking unit 166 is the VoIP composite terminal 100 among communication medium information stored in the memory unit 130. Packet-switched short-range wireless communication medium, direct-communicated short-range wireless communication medium, packet-switched short-range wired communication medium, or direct communication It is preferable to automatically check any one of a short distance wired communication medium or an optical communication medium as the second communication medium, and even if the payment page URL is included according to the intention of a person skilled in the art, the VoIP composite terminal 100 The connected wireless communication medium or wired communication medium may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the payment information includes the payment path code information, the information checking unit 166 may perform the payment payment among the communication medium information stored in the memory unit 130. A wireless communication medium corresponding to the route code information, or a wired communication medium, or a short-range wireless communication medium in a packet-switched manner, a short-range wireless communication medium in a direct-communication manner, a short-range wireless communication medium in a packet-switched manner, or a short-range wired communication in a direct communication manner. Preferably, the communication medium or any one of the optical communication medium is automatically identified to the second communication medium.

When the second communication medium to process the payment is confirmed by the information confirming unit 166, the communication channel connection unit 160 is a communication channel for processing the payment through the confirmed second communication medium It characterized in that to connect.

Here, the communication channel connection unit 160 is a device (or server) located in the near field with the VoIP composite terminal 100 through the short-range wireless communication medium of the packet exchange method identified by the information confirming unit 166. It is preferable to connect a short range wireless communication channel for transmitting payment request information.

Alternatively, the communication channel connection unit 160 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through a short range wireless communication medium of the direct communication method identified by the information checking unit 166. It is preferable to connect a short range wireless communication channel for transmitting payment request information.

Alternatively, the communication channel connection unit 160 may be a device (or server) located at a short distance from the VoIP composite terminal 100 through the short-range wired communication medium of the packet exchange method identified by the information checking unit 166. It is preferable to connect a short-range wired communication channel for transmitting the payment request information.

Alternatively, the communication channel connection unit 160 may be a device (or server) located at a short distance from the VoIP composite terminal 100 through a short distance wired communication medium of a direct communication method identified by the information checking unit 166. It is preferable to connect a short-range wired communication channel for transmitting the payment request information.

Alternatively, the communication channel connection unit 160 transmits the payment request information to a device (or server) located in close proximity to the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 166. It is preferable to connect an optical communication channel.

Alternatively, the communication channel connection unit 160 may connect a wide area communication channel for transmitting the payment request information to a server (or a device) on the communication network through a wired communication medium identified by the information checking unit 166. Do.

Alternatively, the communication channel connection unit 160 may connect a wide area communication channel for transmitting the payment request information to a server (or a device) on the communication network through a wireless communication medium identified by the information checking unit 166. Do.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 160, the mode switching unit 168 is the first communication medium receiving the card transaction message in the operation mode of the VoIP composite terminal 100; Characterized in that the communication mode by the communication channel connection unit 160 is switched to the payment mode for each communication medium including the communication information connected to the second communication medium.

Here, the payment mode for each communication medium is a device (or server) located in the near field with the VoIP complex terminal 100 via a packet-switched short-range wireless communication medium for the payment request information generated in the VoIP complex terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, a device (or server) located near the VoIP composite terminal 100 through the short range wireless communication medium of the payment request information generated by the VoIP composite terminal 100 through a direct communication method. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, an apparatus (or a server) located at a short distance from the VoIP composite terminal 100 via a packet-switched short-range wired communication medium for payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in which payment request information generated by the VoIP composite terminal 100 is directly communicated. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the payment request information generated by the VoIP composite terminal 100 is transmitted to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a payment mode for processing the payment.

Alternatively, the payment mode for each communication medium may include a payment mode for processing the payment by transmitting payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium. It is preferable to make.

Alternatively, the payment mode for each communication medium may include a payment mode for transmitting the payment request information generated in the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the payment. It is preferable to make.

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 160, the operation mode of the VoIP composite terminal 100 by the mode switching unit 168 corresponding to the second communication medium When the payment mode is switched, the interface output unit 172 inputs payment security information (eg, card password, platform OTP, etc.) for payment processing through the second communication medium through the key input unit 120. And outputting a payment interface for each communication medium that receives the card information read from the customer card through the card reader unit 110.

Here, the payment interface for each communication medium includes a user interface for receiving payment security information (eg, card password, platform OTP, etc.) for payment processing through the second communication medium through the key input unit 120. Preferably, it is preferably made, including a user interface for requesting to read the customer card through the card reader 110.

If the customer card is an IC card and the card reader 110 includes an IC reader, the payment interface for each communication medium may include a card password (eg, a PIN (Personal Identification Number)) included in the payment security information. Preferably through the user interface to confirm the validity of the IC card through.

According to another exemplary embodiment of the present invention, a device (or server) located in close proximity to the VoIP composite terminal 100 and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel by the communication channel connection unit 160, Is connected, and the payment request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the payment processing), the payment for each communication medium The interface may be omitted a user interface for receiving payment security information (for example, card password, platform OTP, etc.), thereby not limited to the present invention.

After the payment interface for each communication medium is output by the interface output unit 172, the information input unit 174 transmits the payment security information (eg, card password, platform OTP, etc.) through the key input unit 120. Characterized in that the input processing.

According to another embodiment of the present invention, when the user interface for inputting the payment security information (for example, card password, platform OTP, etc.) to the payment interface for each communication medium is omitted, the information input unit 174 is the omitted user. The information corresponding to the interface may not be input-processed, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader 110 based on the payment interface for each communication medium, the information input unit 174 inputs the card information in association with the card reader 110. Characterized in that.

Referring to FIG. 1, the VoIP composite terminal 100 generates information for generating payment request information corresponding to the second communication medium by including at least one of the input payment information, payment security information, and card information. The unit 176 and the information transmission unit 178 for transmitting the payment request information through a communication channel connected through the second communication medium when the payment request information is generated.

When the card information is input and processed through the information input unit 174, and the payment information and payment security information are input and processed according to an implementation method, the information generation unit 176 performs the input payment information, payment security information, and card. At least one information may be included to generate payment request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 160 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generator 176 preferably generates payment request information transmitted through the short-range wireless communication medium.

Alternatively, a communication channel through a short range wireless communication medium of a direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 160. When connected, the information generating unit 176 preferably generates payment request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 160. When connected, the information generating unit 176 preferably generates payment request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via the short-range wired communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in the near by the communication channel connection unit 160 When connected, the information generating unit 176 preferably generates payment request information transmitted through the short-range wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 160 connects the VoIP composite terminal 100 to the VoIP composite terminal 100 and a device (or server) located in a short distance through an optical communication medium, the information The generation unit 176 preferably generates payment request information transmitted through the optical communication medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connector 160 through a wired communication medium, the information generator 176 communicates the wired communication. It is preferable to generate payment request information transmitted through the medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connection unit 160, the information generation unit 176 performs the wireless communication. It is preferable to generate payment request information transmitted through the medium.

When the payment request information is generated by the information generator 176, the information transmitter 178 transmits the payment request information through a communication channel connected through the second communication medium.

When the information transmitter 178 transmits the payment request information through a communication channel connected through the second communication medium, at least one key data is included in the payment processing information including the second communication medium information. In this case, the information transmission unit 178 preferably transmits the encrypted payment request information through the key data.

Those skilled in the art will be familiar with the technical features of encrypting and transmitting the payment request information through at least one encryption key, and a detailed description thereof will be omitted for convenience. .

After the payment request information is transmitted by the information transmitting unit 178, when a payment corresponding to the payment request information is processed, a message receiver including the payment result information is received through the message receiving unit 162. And is output through the screen output unit 115.

Referring to FIG. 1, the VoIP terminal 100 for selective financial transactions according to a communication medium identification according to an exemplary embodiment of the present invention may include a plurality of menus output through the screen output unit 115. When the banking menu is selected through the key input unit 120, the first communication medium (or the VoIP composite terminal 100) identified by the communication medium checking unit 170 in association with the memory unit 130 is presently present. An information checking unit 166 for identifying at least one second communication medium information included in banking processing information including first media information corresponding to a first communication medium connected thereto; and the financial transaction of the second communication mediums. Outputting a mode selection interface for selecting a second communication medium to process a; and selecting the second communication medium to be financed through the key input unit 120, the operation mode of the VoIP composite terminal 100 is set to the first communication; Media Information and Reminders A mode switching unit 168 for switching to a banking mode for each communication medium corresponding to the selected second communication medium information, and a communication for processing the financial transaction through the selected second communication medium when switching to the banking mode for each communication medium; Financial transaction information and financial transaction security for financial transaction processing through the second communication medium through the key input unit 120 when the communication channel connection unit 160 for connecting a channel and the communication channel through the second communication medium, The interface output unit 172 for receiving the information, and outputs the financial transaction interface for each communication medium receiving the card information read from the customer card through the card reader unit 110, and the financial transaction interface for each communication medium And an information input unit 174 configured to input and process the financial transaction information, the financial transaction security information, and the card information.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one of a payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 115. Outputs a plurality of menus, and when the banking menu is selected from the plurality of menus through the key input unit 120, the information checking unit 166 is configured to identify the first information checked by the communication medium checking unit 170. Confirm first media information corresponding to a communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected), and communication medium switching information including first medium information in association with the memory unit 130. Confirming at least one or more banking processing information including a, and at least one or more second communication medium information included in the identified banking processing information.

When the at least one second communication medium information is confirmed by the information checking unit 166, the mode switching unit 168 is connected to the screen output unit 115 to determine one or more of the at least one second communication medium. And a mode selection interface for selecting a second communication medium to process the financial transaction. When the second communication medium to be targeted for financial transaction is selected through the key input unit 120, the VoIP composite terminal 100 The operation mode may be switched to a banking mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the banking mode for each communication medium is a device (or server) located in the local area and the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for the financial transaction request information generated by the VoIP composite terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP composite terminal 100 through the short range wireless communication medium of the financial transaction request information generated by the VoIP composite terminal 100 in a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a packet switching scheme. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP complex terminal 100 through the short distance wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 in a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a banking mode for processing financial transactions.

Alternatively, the banking mode for each communication medium includes a banking mode in which the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to a server (or device) on the communication network through a wired communication medium to process the financial transaction. It is preferable to make it.

Alternatively, the banking mode for each communication medium includes a banking mode for transmitting the financial transaction request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the financial transaction. It is preferable to make it.

When the operation mode of the VoIP composite terminal 100 is switched to the banking mode for each communication medium by the mode switching unit 168, the communication channel connection unit 160 receives the financial transaction request information through the selected second communication medium. It characterized in that for transmitting the communication channel for processing the financial transaction.

Here, the communication channel connection unit 160 is a short-range wireless communication channel for transmitting the financial transaction request information to the device (or server) located in the near field and the VoIP composite terminal 100 through a short-range wireless communication medium of the packet exchange method It is preferable to connect.

Alternatively, the communication channel connection unit 160 transmits the financial transaction request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 160 transmits the financial transaction request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is preferable to connect.

Alternatively, the communication channel connection unit 160 transmits the financial transaction request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short distance wired communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 160 may connect an optical communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and a device (or server) located at a short distance through an optical communication medium. .

Alternatively, the communication channel connection unit 160 may connect a wide area communication channel for transmitting the financial transaction request information to a server (or device) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 160 may connect a wide area communication channel for transmitting the financial transaction request information to a server (or a device) on the communication network through a wireless communication medium.

When the communication channel is connected through the second communication medium by the communication channel connection unit 160, the interface output unit 172 is a financial transaction for financial transaction processing through the second communication medium through the key input unit 120. Information (eg, transaction amount, payee account information) and financial transaction security information (eg, card password, account password, platform OTP, etc.) are input, and the card information read from the customer card is read through the card reader 110. It is characterized by outputting a financial transaction interface for each communication medium received.

Here, the financial transaction interface for each communication medium may include financial transaction information (eg, transaction amount, payee account information) and financial transaction security information for the financial transaction processing through the second communication medium through the key input unit 120. For example, it is preferable to include a user interface for inputting a card password, account password, platform OTP, etc., and preferably comprises a user interface for requesting reading of the customer card through the card reader 110. .

If the customer card is an IC card and the card reader unit 110 includes an IC reader unit, the financial transaction interface for each communication medium may include a password (eg, a personal identification number (PIN) included in the financial transaction security information. It is preferable that further comprises a user interface for checking the validity of the IC card through).

According to another exemplary embodiment of the present invention, a device (or server) located in close proximity to the VoIP composite terminal 100 and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel by the communication channel connection unit 160, Is connected, when the financial transaction request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for processing the financial transaction), for each communication medium The financial transaction interface may omit some of the user interface for inputting financial transaction information (eg, transaction amount, beneficiary account information) and financial transaction security information (eg, card password, account password, platform OTP, etc.). This invention is not limited.

After the financial transaction interface for each communication medium is output by the interface output unit 172, the information input unit 174 receives the financial transaction information (eg, transaction amount and payee account information) through the key input unit 120. And financial transaction security information (eg, card password, account password, platform OTP).

According to another embodiment of the present invention, the financial transaction information (eg, transaction amount, payee account information) and financial transaction security information (eg, card password, account password, platform OTP, etc.) are input to the financial transaction interface for each communication medium. When a part of the received user interface is omitted, the information input unit 174 may not process inputting information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 110 based on the financial transaction interface for each communication medium, the information input unit 174 inputs the card information in association with the card reader unit 110. It is characterized by processing.

Referring to FIG. 1, the VoIP composite terminal 100 is connected to the VoIP composite terminal 100 by the communication channel connection unit 160 for selective financial transactions according to a communication medium identification according to another embodiment of the present invention. A message receiving unit 162 for receiving a card transaction message from a first communication medium connected with the message), a message checking unit 164 for reading the received card transaction message and checking whether the transaction information includes financial transaction information, and the financial transaction. When the information is confirmed, the first communication medium information corresponding to the first communication medium (or the first communication medium receiving the card transaction message) confirmed by the communication medium checking unit 170 is checked, and the memory unit ( An information confirming unit 166 for identifying second communication medium information corresponding to the financial transaction information among second communication medium information linked to the first communication medium information in association with the first communication medium information; and confirming the second communication medium. City, Operation mode of the VoIP composite terminal 100 when the communication channel connection unit 160 for connecting the communication channel for processing the financial transaction through the second communication medium and the communication channel via the second communication medium, A mode switching unit 168 for switching to a banking mode for each communication medium including the first communication medium information and the second communication medium information, and the financial transaction processing through the second communication medium through the key input unit 120. An interface output unit 172 for receiving financial transaction security information for a communication medium and outputting a financial transaction interface for each communication medium receiving card information read from a customer card through the card reader unit 110, and for each communication medium; And an information input unit 174 for processing the financial transaction security information and the card information through a financial transaction interface.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 160, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 162 receives a message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 160. Accordingly, it is characterized in that for receiving a predetermined card transaction message for the selective financial transaction in accordance with the communication medium identification.

When a predetermined card transaction message is received by the message receiving unit 162, the message checking unit 164 reads the received card transaction message to determine whether financial transaction information is included.

According to the exemplary embodiment of the present invention, the financial transaction information included in the card transaction message may include at least one transaction amount and a payee account information. PG identification information and a financial transaction page according to the intention of a person skilled in the art Preferably, the URL information and financial transaction path code information are further included.

When the message confirming unit 164 confirms that the financial transaction information is included in the card transaction message, the information confirming unit 166 receives the card transaction message in association with the communication medium confirming unit 170. Identify a first communication medium, identify at least one banking processing information including communication medium switching information including first media information in association with the memory unit 130, and verify the banking processing information Among the at least one second communication medium information included, the second communication medium information corresponding to the financial transaction information is confirmed.

According to an exemplary embodiment of the present invention, the information checking unit 166 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 130. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the financial transaction information includes the financial transaction page URL, the information checking unit 166 may be configured to execute the VoIP composite terminal among the communication medium information stored in the memory unit 130. Near field communication (100), a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-distance wired communication medium of the packet-switching method to communicate with the device (or server) connected to the financial transaction page in the vicinity It is preferable to automatically check any one of a short-range wired communication medium or an optical communication medium of a communication method as the second communication medium. Even if the financial transaction page URL is included according to the intention of a person skilled in the art, the VoIP composite The wireless communication medium or the wired communication medium to which the terminal 100 is connected may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the financial transaction information includes the financial transaction path code information, the information checking unit 166 may include the financial medium information among the communication medium information stored in the memory unit 130. Wireless communication medium corresponding to the transaction path code information, or wired communication medium, or a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication method, a short-range wireless communication medium of a packet-switching method, or a short distance of a direct communication method. Preferably, the communication medium of either a wired communication medium or an optical communication medium is automatically identified as the second communication medium.

When the second communication medium to process the financial transaction is confirmed by the information confirming unit 166, the communication channel connection unit 160 establishes a communication channel for processing the financial transaction through the identified second communication medium. It is characterized by connecting.

Here, the communication channel connection unit 160 is a device (or server) located in the near field with the VoIP composite terminal 100 through the short-range wireless communication medium of the packet exchange method identified by the information confirming unit 166. It is desirable to connect a short range wireless communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 160 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through a short range wireless communication medium of the direct communication method identified by the information checking unit 166. It is desirable to connect a short range wireless communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 160 may be a device (or server) located at a short distance from the VoIP composite terminal 100 through the short-range wired communication medium of the packet exchange method identified by the information checking unit 166. It is preferable to connect a short-range wired communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 160 may be a device (or server) located at a short distance from the VoIP composite terminal 100 through a short distance wired communication medium of a direct communication method identified by the information checking unit 166. It is preferable to connect a short-range wired communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 160 transmits the financial transaction request information to a device (or server) located in close proximity to the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 166. It is desirable to connect the transmitting optical communication channel.

Alternatively, the communication channel connection unit 160 connects a wide area communication channel for transmitting the financial transaction request information to a server (or a device) on the communication network through a wired communication medium identified by the information checking unit 166. desirable.

Alternatively, the communication channel connection unit 160 may connect a wide area communication channel for transmitting the financial transaction request information to a server (or a device) on the communication network through a wireless communication medium identified by the information checking unit 166. desirable.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 160, the mode switching unit 168 is the first communication medium receiving the card transaction message in the operation mode of the VoIP composite terminal 100; The method may be configured to switch to a banking mode for each communication medium including information and information on a second communication medium connected to a communication channel by the communication channel connection unit 160.

Here, the banking mode for each communication medium is a device (or server) located in the local area and the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for the financial transaction request information generated by the VoIP composite terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP composite terminal 100 through the short range wireless communication medium of the financial transaction request information generated by the VoIP composite terminal 100 in a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a packet switching scheme. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP complex terminal 100 through the short distance wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 in a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a banking mode for processing financial transactions.

Alternatively, the banking mode for each communication medium includes a banking mode in which the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to a server (or device) on the communication network through a wired communication medium to process the financial transaction. It is preferable to make it.

Alternatively, the banking mode for each communication medium includes a banking mode for transmitting the financial transaction request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the financial transaction. It is preferable to make it.

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 160, the operation mode of the VoIP composite terminal 100 by the mode switching unit 168 corresponding to the second communication medium When the banking mode is switched to the star, the interface output unit 172 is the financial transaction security information (for example, card password, account password, platform OTP) for the financial transaction processing through the second communication medium through the key input unit 120 And the like), and outputs a financial transaction interface for each communication medium that receives the card information read from the customer card through the card reader unit 110.

Here, the financial transaction interface for each communication medium receives financial transaction security information (eg, card password, account password, platform OTP, etc.) for financial transaction processing through the second communication medium through the key input unit 120. It is preferable to include a user interface, and preferably comprises a user interface for requesting to read the customer card through the card reader 110.

If the customer card is an IC card and the card reader 110 includes an IC reader, the financial transaction interface for each communication medium may include a card password and an account password (eg, a PIN) included in the financial transaction security information. (Personal Identification Number)) preferably further comprises a user interface for checking the validity of the IC card.

According to another exemplary embodiment of the present invention, a device (or server) located in close proximity to the VoIP composite terminal 100 and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel by the communication channel connection unit 160, Is connected, when the financial transaction request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for processing the financial transaction), for each communication medium The financial transaction interface may omit a user interface for receiving financial transaction security information (for example, a card password, an account password, a platform OTP, etc.), and the present invention is not limited thereto.

After the financial transaction interface for each communication medium is output by the interface output unit 172, the information input unit 174 through the key input unit 120, the financial transaction security information (for example, card password, account password, Platform OTP).

If the user interface for receiving the financial transaction security information (for example, card password, account password, platform OTP, etc.) is omitted in the financial transaction interface for each communication medium according to another embodiment of the present invention, the information input unit 174 It is not necessary to process the input information corresponding to the omitted user interface, whereby the present invention is not limited.

In addition, when the customer card is read through the card reader unit 110 based on the financial transaction interface for each communication medium, the information input unit 174 inputs the card information in association with the card reader unit 110. It is characterized by processing.

Referring to FIG. 1, the VoIP composite terminal 100 includes at least one of the input processed financial transaction information, financial transaction security information, and card information to generate financial transaction request information corresponding to the second communication medium. And an information transmitter 178 for transmitting the financial transaction request information through a communication channel connected through the second communication medium when the financial transaction request information is generated. do.

When the card price is input and processed through the information input unit 174, and the financial transaction information and the financial transaction security information are input and processed according to an implementation method, the information generation unit 176 is configured to process the input financial transaction information and the financial transaction. The financial transaction request information corresponding to the second communication medium is generated by including at least one security information and card information.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 160 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generator 176 may generate financial transaction request information transmitted through the short-range wireless communication medium.

Alternatively, a communication channel through a short range wireless communication medium of a direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 160. When connected, the information generator 176 preferably generates the financial transaction request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 160. When connected, the information generator 176 preferably generates the financial transaction request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via the short-range wired communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in the near by the communication channel connection unit 160 When connected, the information generation unit 176 preferably generates the financial transaction request information transmitted through the short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 160 connects the VoIP composite terminal 100 to the VoIP composite terminal 100 and a device (or server) located in a short distance through an optical communication medium, the information The generation unit 176 preferably generates the financial transaction request information transmitted through the optical communication medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connector 160 through a wired communication medium, the information generator 176 communicates the wired communication. It is preferable to generate the financial transaction request information transmitted through the medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connection unit 160, the information generation unit 176 performs the wireless communication. It is preferable to generate the financial transaction request information transmitted through the medium.

When the financial transaction request information is generated by the information generation unit 176, the information transmission unit 178 transmits the financial transaction request information through a communication channel connected through the second communication medium. .

In the information transmitter 178 transmitting the financial transaction request information through a communication channel connected through the second communication medium, at least one key data is included in banking processing information including the second communication medium information. In this case, the information transmission unit 178 preferably transmits the financial transaction request information by encrypting the key data.

Those skilled in the art will be familiar with the technical features of encrypting and transmitting the financial transaction request information through at least one or more encryption keys, and thus, a detailed description thereof will be omitted. do.

After the financial transaction request information is transmitted by the information transmission unit 178, and when a financial transaction corresponding to the financial transaction request information is processed, the message receiver including the financial transaction result information through the message receiving unit 162. It is preferably received and output through the screen output unit 115.

Referring to Figure 1, the VoIP composite terminal 100 for the payment through the selective payment (or financial transactions) processing according to the communication medium identification according to an embodiment of the present invention, the screen output unit 115 Among the plurality of menus output through the key, if the Giro payment menu is selected through the key input unit 120, the first communication medium confirmed by the communication medium check unit 170 in association with the memory unit 130 An information checking unit 166 for identifying at least one second communication medium information included in the processing information including first medium information corresponding to the first communication medium to which the VoIP composite terminal 100 is currently connected. And outputting a mode selection interface for selecting a second communication medium to process the branch payment among the second communication mediums, and selecting the second communication medium to be paid to the branch through the key input unit 120, the VoIP composite terminal. 100's A mode switching unit 168 for converting an operation mode to a communication mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information; A communication channel connecting unit 160 connecting a communication channel for processing the branch payment through a medium, and a connection through the second communication medium through the key input unit 120 when connecting a communication channel through a second communication medium. Interface output unit 172 for receiving the giro payment information and giro payment security information for the payment processing, and outputs the Giro payment interface for each communication medium receiving the card information read from the customer card through the card reader 110 And an information input unit 174 for inputting and processing the giro payment information, the giro payment security information, and the card information through the giro payment interface for each communication medium. And that is characterized.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one of a payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 115. Outputs a plurality of menus, and when the payout menu is selected among the plurality of menus through the key input unit 120, the information checking unit 166 is configured to be checked by the communication medium checking unit 170. 1 confirms the first media information corresponding to the communication medium (or the first communication medium to which the VoIP composite terminal 100 is currently connected) and switches the communication medium including the first medium information in association with the memory unit 130. Identifying at least one geoprocessing information including information, and identifying at least one second communication medium information included in the identified geoprocessing information.

When the at least one second communication medium information is confirmed by the information checking unit 166, the mode switching unit 168 is connected to the screen output unit 115 to determine one or more of the at least one second communication medium. And outputting a mode selection interface for selecting a second communication medium to process the payment, and when selecting the second communication medium to be paid to the payment through the key input unit 120, the VoIP terminal 100. The operation mode may be switched to a mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

In the Jiro mode for each communication medium, a device (or a server) located near the VoIP composite terminal 100 via the short-range wireless communication medium in which the Giro payment request information generated by the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the Jiro mode for each communication medium is a device (or server) located near the VoIP composite terminal 100 via the short-range wireless communication medium in which the giro payment request information generated by the VoIP composite terminal 100 is directly communicated. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the Jiro mode for each communication medium may be a device (or a server) located near the VoIP composite terminal 100 via a short-range wired communication medium in which the giro payment request information generated by the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the communication mode for each media medium is a device (or server) that is located near the VoIP composite terminal 100 via the short-range wired communication medium of the giro payment request information generated by the VoIP composite terminal 100 in a direct communication method. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the telecommunication mode for each communication medium may transmit the payment information for the giro payment generated by the VoIP composite terminal 100 to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include the giro mode which processes a giro payment.

Alternatively, the Jiro mode for each communication medium includes a Jiro mode for transmitting the Jiro payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium to process the Jiro payment. It is preferable to make it.

Alternatively, the Jiro mode for each communication medium includes a Jiro mode for transmitting the Jiro payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the Jiro payment. It is preferable to make it.

When the operation mode of the VoIP composite terminal 100 is switched to the communication medium-specific mode by the mode switching unit 168, the communication channel connection unit 160 transmits Jiro payment request information through the selected second communication medium. It characterized in that for transmitting the communication channel for processing the branch payment by transmitting a.

Here, the communication channel connection unit 160 is a short-range wireless communication channel for transmitting the branch payment request information to the device (or server) located in the near field with the VoIP composite terminal 100 through a short-range wireless communication medium of the packet exchange method It is preferable to connect.

Alternatively, the communication channel connection unit 160 transmits the branch payment request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 160 transmits the branch payment request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is preferable to connect.

Alternatively, the communication channel connection unit 160 transmits the branch payment request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short distance wired communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 160 may connect an optical communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and a device (or server) located at a short distance through an optical communication medium. .

Alternatively, the communication channel connection unit 160 may connect a wide area communication channel for transmitting the branch payment request information to a server (or a device) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 160 may connect a wide area communication channel for transmitting the branch payment request information to a server (or a device) on the communication network through a wireless communication medium.

When the communication channel is connected through the second communication medium by the communication channel connection unit 160, the interface output unit 172 is a Jiro payment unit for processing the payment through the second communication medium through the key input unit 120. Giro payment by communication media receiving information (for example, payment amount) and giro payment security information (for example, card password, platform OTP, etc.) and card information read from a customer card through the card reader unit 110. And outputting an interface.

Here, the Giro payment interface for each communication medium may include Giro payment information (eg, payment amount) and Giro payment security information (eg, card password, Platform OTP, etc.) is preferably included, and preferably comprises a user interface for requesting to read the customer card through the card reader 110.

If the customer card is an IC card and the card reader unit 110 includes an IC reader unit, the Jiro payment interface for each communication medium is connected to the IC through a password (eg, a PIN) included in the Jiro payment security information. It is preferred to further comprise a user interface for checking the validity of the card.

According to another exemplary embodiment of the present invention, a device (or server) located in close proximity to the VoIP composite terminal 100 and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel by the communication channel connection unit 160, Is connected, and when the giro payment request information includes only card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the giro payment processing), the communication medium The giro payment interface may omit some of the user interface for receiving giro payment information (eg, payment amount) and giro payment security information (eg, card password, platform OTP, etc.), and the present invention is not limited thereto.

After the payment interface for each communication medium is output by the interface output unit 172, the information input unit 174 secures the payment information (for example, the payment amount) and the payment payment through the key input unit 120. Characterized in that the information (for example, card password, platform OTP, etc.) input processing.

According to another exemplary embodiment of the present invention, a part of the user interface for inputting the giro payment information (eg, payment amount) and giro payment security information (eg, card password, platform OTP, etc.) to the giro payment interface for each communication medium is omitted. In this case, the information input unit 174 may not process the input information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 110 based on a payment interface for each communication medium, the information input unit 174 inputs the card information in association with the card reader unit 110. It is characterized by processing.

Referring to FIG. 1, the VoIP composite terminal 100 is configured for the payment of giro through the selective payment (or financial transaction) processing according to the communication medium identification according to another embodiment of the present invention, the communication channel connection unit 160. Message receiving unit 162 for receiving a card transaction message from the first communication medium to which the VoIP composite terminal 100 is connected, and reading the received card transaction message to confirm whether the payment information is included. A first communication medium corresponding to the first communication medium (or the first communication medium receiving the card transaction message) confirmed by the communication medium checking unit 170 when the section 164 and the branch payment information are checked. Confirming the information and confirming the second communication medium information corresponding to the giro payment information among the second communication medium information linked to the first communication medium information in association with the memory unit 130. A communication channel connection unit 160 for connecting the communication unit for processing the branch payment through the identified second communication medium, when the second communication medium is identified; When the channel is connected, the mode switching unit 168 for switching the operation mode of the VoIP composite terminal 100 to a communication mode for each communication medium including the first communication medium information and the second communication medium information, and the key input unit ( 120 is inputted with the giro payment security information for the giro payment processing through the second communication medium, and the giro payment interface for each communication medium receiving the card information read from the customer card through the card reader unit 110; And an information input unit 174 for inputting and processing the branch payment security information and the card information through the branch payment interface for each communication medium. do.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 160, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 162 receives a message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 160. Accordingly, a predetermined card transaction message for giro payment is received through selective payment (or financial transaction) processing according to communication medium identification.

When a predetermined card transaction message is received by the message receiving unit 162, the message checking unit 164 reads the received card transaction message and checks whether the payment information is included.

According to the method of the present invention, the giro payment information included in the card transaction message preferably comprises at least one payment amount, PG identification information, giro payment page URL information, It is preferable to further include at least one or more giro payment path code information.

When the message confirming unit 164 confirms that the card transaction message includes the giro payment information, the information confirming unit 166 receives the card transaction message in association with the communication medium confirming unit 170. Identify one first communication medium, identify at least one geoprocessing information including communication medium switching information including first media information in association with the memory unit 130, and include the information in the identified geoprocessing information Among the one or more pieces of second communication medium information, the second communication medium information corresponding to the branch payment information is confirmed.

According to an exemplary embodiment of the present invention, the information checking unit 166 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 130. 2 It is preferable to check automatically with a communication medium.

According to another embodiment of the present invention, when the giro payment information includes the giro payment page URL, the information checking unit 166 is the VoIP composite terminal of the communication medium information stored in the memory unit 130 Near field communication (100), a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-range wired communication medium of the packet-switching method to communicate with the device (or server) connected to the page to pay giro It is preferable to automatically check any one of a short-range wired communication medium or an optical communication medium of a communication method as the second communication medium, and even if the branch pay page URL is included, according to the intention of a person skilled in the art. The wireless communication medium or the wired communication medium to which the terminal 100 is connected may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the giro payment information includes the giro payment path code information, the information confirming unit 166 is configured to store the information of the communication medium stored in the memory unit 130. Wireless communication medium corresponding to the payment path code information, or wired communication medium, or packet-switched short-range wireless communication medium, direct-communication short-range wireless communication medium, packet-switched short-range wired communication medium, or direct communication Preferably, the communication medium of either a wired communication medium or an optical communication medium is automatically identified as the second communication medium.

When the second communication medium to process the Jiro payment by the information confirming unit 166 is identified, the communication channel connection unit 160 establishes a communication channel for processing the Jiro payment through the checked second communication medium. It is characterized by connecting.

Here, the communication channel connection unit 160 is a device (or server) located in the near field with the VoIP composite terminal 100 through the short-range wireless communication medium of the packet exchange method identified by the information confirming unit 166. It is preferable to connect a short range wireless communication channel for transmitting the branch payment request information.

Alternatively, the communication channel connection unit 160 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through a short range wireless communication medium of the direct communication method identified by the information checking unit 166. It is preferable to connect a short range wireless communication channel for transmitting the branch payment request information.

Alternatively, the communication channel connection unit 160 may be a device (or server) located at a short distance from the VoIP composite terminal 100 through the short-range wired communication medium of the packet exchange method identified by the information checking unit 166. It is preferable to connect a short-distance wired communication channel for transmitting giro payment request information.

Alternatively, the communication channel connection unit 160 may be a device (or server) located at a short distance from the VoIP composite terminal 100 through a short distance wired communication medium of a direct communication method identified by the information checking unit 166. It is preferable to connect a short-distance wired communication channel for transmitting giro payment request information.

Alternatively, the communication channel connection unit 160 transmits the branch payment request information to a device (or server) located in close proximity to the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 166. It is desirable to connect the transmitting optical communication channel.

Alternatively, the communication channel connection unit 160 may connect a wide area communication channel for transmitting the branch payment request information to a server (or a device) on the communication network through a wired communication medium identified by the information checking unit 166. desirable.

Alternatively, the communication channel connection unit 160 may connect a wide area communication channel for transmitting the branch payment request information to a server (or a device) on the communication network through a wireless communication medium identified by the information checking unit 166. desirable.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 160, the mode switching unit 168 is the first communication medium receiving the card transaction message in the operation mode of the VoIP composite terminal 100; Characterized by the communication channel connection unit 160 is characterized in that the switching to the communication mode for each communication medium including the second communication medium connected to the communication channel.

In the Jiro mode for each communication medium, a device (or a server) located near the VoIP composite terminal 100 via the short-range wireless communication medium in which the Giro payment request information generated by the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the Jiro mode for each communication medium is a device (or server) located near the VoIP composite terminal 100 via the short-range wireless communication medium in which the giro payment request information generated by the VoIP composite terminal 100 is directly communicated. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the Jiro mode for each communication medium may be a device (or a server) located near the VoIP composite terminal 100 via a short-range wired communication medium in which the giro payment request information generated by the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the Jiro mode for each communication medium is a device (or a device located at a short distance from the VoIP composite terminal 100 via the short-range wired communication medium of the direct payment method generated by the VoIP composite terminal 100). Server) to transmit the branch payment.

Alternatively, the telecommunication mode for each communication medium may transmit the payment information for the giro payment generated by the VoIP composite terminal 100 to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include the giro mode which processes a giro payment.

Alternatively, the Jiro mode for each communication medium includes a Jiro mode for transmitting the Jiro payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium to process the Jiro payment. It is preferable to make it.

Alternatively, the Jiro mode for each communication medium includes a Jiro mode for transmitting the Jiro payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the Jiro payment. It is preferable to make it.

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 160, the operation mode of the VoIP composite terminal 100 by the mode switching unit 168 corresponding to the second communication medium When the mode is switched to the separate land mode, the interface output unit 172 transfers the payment security information (for example, card password, platform OTP, etc.) for the payment process through the second communication medium through the key input unit 120. It receives the input, and outputs the payment interface to the communication medium for receiving the card information read from the customer card through the card reader unit 110.

Here, the Jiro payment interface for each communication medium is a user interface for receiving Jiro payment security information (eg, card password, platform OTP, etc.) for the Jiro payment processing through the second communication medium through the key input unit 120. It is preferably made, including a user interface for requesting to read the customer card through the card reader unit 110.

If the customer card is an IC card and the card reader unit 110 includes an IC reader unit, the Jiro payment interface for each communication medium is connected to the IC through a password (eg, a PIN) included in the Jiro payment security information. It is preferred to further comprise a user interface for checking the validity of the card.

According to another exemplary embodiment of the present invention, a device (or server) located in close proximity to the VoIP composite terminal 100 and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel by the communication channel connection unit 160, Is connected, and when the giro payment request information includes only card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the giro payment processing), the communication medium The Giro payment interface may omit a user interface for inputting Giro payment security information (for example, card password, platform OTP, etc.), and the present invention is not limited thereto.

After the payment interface for each communication medium is output by the interface output unit 172, the information input unit 174 transmits the payment security information (eg, card password, platform OTP, etc.) through the key input unit 120. ) Is input processing.

According to another exemplary embodiment of the present invention, when the user interface for receiving the giro payment security information (for example, card password, platform OTP, etc.) is omitted from the giro payment interface for each communication medium, the information input unit 174 is omitted. It is not necessary to process the input information corresponding to the user interface, and the present invention is not limited thereby.

In addition, when the customer card is read through the card reader unit 110 based on a payment interface for each communication medium, the information input unit 174 inputs the card information in association with the card reader unit 110. It is characterized by processing.

Referring to FIG. 1, the VoIP composite terminal 100 includes at least one of the input-processed giro payment information, giro payment security information, and card information to generate giro payment request information corresponding to the second communication medium. And an information transmitter 178 for transmitting the branch payment request information through a communication channel connected through the second communication medium when generating the branch payment request information. do.

When the card payment is input and processed through the information input unit 174, and the giro payment information and the giro payment security information are input and processed according to an implementation method, the information generation unit 176 performs the giro payment information and the giro payment. At least one security information and card information may be included to generate branch payment request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 160 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generator 176 may generate the branch payment request information transmitted through the short-range wireless communication medium.

Alternatively, a communication channel through a short range wireless communication medium of a direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 160. When connected, the information generating unit 176 preferably generates branch payment request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 160. When connected, the information generation unit 176 preferably generates the branch payment request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via the short-range wired communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in the near by the communication channel connection unit 160 When connected, the information generating unit 176 preferably generates the branch payment request information transmitted through the short-range wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 160 connects the VoIP composite terminal 100 to the VoIP composite terminal 100 and a device (or server) located in a short distance through an optical communication medium, the information The generation unit 176 preferably generates branch payment request information transmitted through the optical communication medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connector 160 through a wired communication medium, the information generator 176 communicates the wired communication. It is preferable to generate the branch payment request information transmitted through the medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connection unit 160, the information generation unit 176 performs the wireless communication. It is preferable to generate the branch payment request information transmitted through the medium.

When the branch payment request information is generated by the information generation unit 176, the information transmission unit 178 transmits the branch payment request information through a communication channel connected through the second communication medium. .

When the information transmitter 178 transmits the branch payment request information through a communication channel connected through the second communication medium, at least one key data is included in the branch processing information including the second communication medium information. In this case, the information transmission unit 178 preferably transmits the giro payment request information by encrypting the key data.

Those skilled in the art will be familiar with the technical features of encrypting and transmitting the giro payment request information through at least one or more encryption keys, so a detailed description thereof will be omitted. do.

After the giro payment request information is transmitted by the information transmitting unit 178, and a giro payment corresponding to the giro payment request information is processed, a message including the giro payment result information through the message receiving unit 162. It is preferable that the received signal is output through the screen output unit 115.

Referring to FIG. 1, the VoIP composite terminal 100 may include a screen output unit for ticket reservation / reservation through selective payment (or financial transaction) processing according to a communication medium identification according to an embodiment of the present invention. If a ticket reservation / advance menu is selected through the key input unit 120 among a plurality of menus output through 115, the communication medium confirming unit 170 confirms with the memory unit 130. Confirming information identifying at least one or more second communication media information included in ticket processing information including first media information corresponding to a first communication media (or a first communication media to which the VoIP composite terminal 100 is currently connected). And a mode selection interface for selecting a second communication medium to process the ticket reservation / reservation, from the second communication medium, and through the key input unit 120, a second ticket communication / reservation target communication. When choosing a medium, A mode switching unit 168 for switching the operation mode of the VoIP composite terminal 100 to a ticket mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information, and a ticket mode for each communication medium. When switching, the communication channel connecting unit 160 for connecting the communication channel for processing the ticket reservation / reservation via the selected second communication medium, and the key input unit 120 when connecting the communication channel through the second communication medium Receives a ticket reservation / reservation information and ticket reservation / reservation security information for the ticket reservation / booking processing through the second communication medium through the card reader unit 110 through the card information read from the customer card The interface output unit 172 for outputting a ticket reservation / reservation interface for each communication medium and the ticket reservation / reservation information and ticket reservation / reservation security through the ticket reservation / reservation interface for each communication medium And an information input unit 174 for processing input of information and card information.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one of a payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 115. Outputs a plurality of menus to include, and when the ticket reservation / booking menu of the plurality of menus is selected through the key input unit 120, the information confirmation unit 166 is confirmed by the communication medium confirmation unit 170 A first medium information corresponding to the first communication medium (or the first communication medium to which the VoIP composite terminal 100 is currently connected) and includes a first medium information in association with the memory unit 130. Confirm at least one ticket processing information including media switch information, and at least one second communication medium information included in the checked ticket processing information.

When the at least one second communication medium information is confirmed by the information checking unit 166, the mode switching unit 168 is connected to the screen output unit 115 to determine one or more of the at least one second communication medium. And outputting a mode selection interface for selecting a second communication medium to process the ticket reservation / reservation, when selecting a second communication medium to be reserved for a ticket / reservation through the key input unit 120, the VoIP composite terminal. The operation mode of 100 may be switched to a ticket mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 via the packet-switched short-range wireless communication medium through the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Or, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 through the short-range wireless communication medium of the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium is a device that locates the ticket reservation / reservation request information generated in the VoIP composite terminal 100 and the VoIP composite terminal 100 in a short distance through a short-range wired communication medium of a packet exchange method ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Or, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 via the short-range wired communication medium of the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium transmits ticket reservation / reservation request information generated by the VoIP composite terminal 100 to an apparatus (or server) located near the VoIP composite terminal 100 via the optical communication medium. It is preferable to include a ticket mode for processing the ticket reservation / reservation.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium to process the ticket reservation / reservation. It is preferable to include a ticket mode.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the ticket reservation / reservation. It is preferable to include a ticket mode.

When the operation mode of the VoIP composite terminal 100 is switched to the ticket mode for each communication medium by the mode switching unit 168, the communication channel connection unit 160 reserves a ticket / reserves through the selected second communication medium. It is characterized by connecting the communication channel for processing the ticket reservation / reservation by transmitting the request information.

Here, the communication channel connection unit 160 transmits the ticket reservation / reservation request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wireless communication medium of a packet switched method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 160 transmits the ticket reservation / reservation request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is desirable to connect the communication channel.

Alternatively, the communication channel connection unit 160 transmits the ticket reservation / reservation request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 160 transmits the ticket reservation / reservation request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short distance wired communication medium of a direct communication method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 160 connects the optical communication channel for transmitting the ticket reservation / reservation request information to the apparatus (or server) located at a short distance with the VoIP composite terminal 100 through an optical communication medium. desirable.

Alternatively, the communication channel connection unit 160 may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a server (or a device) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 160 may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a server (or a device) on the communication network through a wireless communication medium.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 160, the interface output unit 172 is used for ticket reservation / advance processing through the second communication medium through the key input unit 120. Receives ticket reservation / reservation information (eg, reservation amount) and ticket reservation / reservation security information (eg, card password, platform OTP, etc.), and inputs card information read from the customer card through the card reader 110. Characterized in that the ticket reservation / booking interface for each communication medium received.

Here, the ticket reservation / reservation interface for each communication medium is the ticket reservation / reservation information (for example, the reservation amount) and ticket reservation / reservation for ticket reservation / reservation processing through the second communication medium through the key input unit 120 It is preferable to include a user interface for receiving security information (for example, card password, platform OTP, etc.), and preferably comprises a user interface for requesting to read the customer card through the card reader 110. .

If the customer card is an IC card and the card reader 110 includes an IC reader, the ticket reservation / reservation interface for each communication medium may include a password (eg, a PIN) included in the ticket reservation / reservation security information. Preferably through the user interface to confirm the validity of the IC card through.

According to another exemplary embodiment of the present invention, a device (or server) located in close proximity to the VoIP composite terminal 100 and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel by the communication channel connection unit 160, Is connected, and the ticket reservation / reservation request information includes only the card information read from the customer card (for example, when using the VoIP composite terminal 100 as a card reader for the ticket reservation / reservation processing), The ticket reservation / reservation interface for each communication medium may include a part of a user interface for receiving ticket reservation / reservation information (eg, reservation amount) and ticket reservation / reservation security information (eg, card password, platform OTP, etc.). The present invention is not limited thereby.

After the ticket reservation / reservation interface for each communication medium is output by the interface output unit 172, the information input unit 174 transmits the ticket reservation / reservation information (eg, reservation amount) through the key input unit 120. And ticket reservation / advance security information (eg, card password, platform OTP, etc.).

According to another exemplary embodiment of the present invention, the ticket reservation / reservation information (eg, reservation amount) and ticket reservation / reservation security information (eg, card password, platform OTP, etc.) are input to the ticket reservation / reservation interface for each communication medium. When a part of the user interface is omitted, the information input unit 174 may not process inputting information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 110 based on the ticket reservation / reservation interface for each communication medium, the information input unit 174 is linked with the card reader unit 110 to the card information. Characterized in that the input processing.

Referring to Figure 1, the VoIP composite terminal 100 for the ticket reservation / reservation through the selective payment (or financial transactions) processing according to the communication medium identification according to another embodiment of the present invention, the communication channel connection unit A message receiving unit 162 for receiving a card transaction message from the first communication medium to which the VoIP composite terminal 100 is connected by 160 and reading the received card transaction message to determine whether ticket reservation / advance information is included; The message confirmation unit 164 to confirm and the first communication medium (or the first communication medium receiving the card transaction message) confirmed by the communication medium confirmation unit 170 when the ticket reservation / reservation information is confirmed. Confirm the corresponding first communication medium information, and determine a second communication medium corresponding to the ticket reservation / reservation information among the second communication medium information linked to the first communication medium information in association with the memory unit 130. A communication channel connection unit 160 for connecting the information confirmation unit 166 to confirm the second communication medium, and a communication channel for processing the ticket reservation / advance through the confirmed second communication medium; When the communication channel is connected through a second communication medium, the mode switching unit for switching the operation mode of the VoIP composite terminal 100 to a ticket mode for each communication medium including the first communication medium information and the second communication medium information (168) And a card reservation / reservation security information for ticket reservation / reservation processing through the second communication medium through the key input unit 120 and a card read from a customer card through the card reader unit 110. An interface output unit 172 for outputting a ticket reservation / reservation interface for each communication medium that receives information, and processing the ticket reservation / reservation security information and card information through the ticket reservation / reservation interface for each communication medium; It is characterized by comprising an information input section (174).

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 160, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 162 receives a message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 160. Accordingly, a predetermined card transaction message for ticket reservation / reservation through selective payment (or financial transaction) processing according to communication medium identification may be received.

When a predetermined card transaction message is received by the message receiving unit 162, the message checking unit 164 reads the received card transaction message and checks whether ticket reservation / advance information is included.

According to the method of the present invention, the ticket reservation / reservation information included in the card transaction message, preferably comprises at least one or more reservation amount, PG identification information, ticket reservation / reservation page according to the intention of those skilled in the art Preferably, the URL information further includes at least one ticket reservation / reservation path code information.

When it is confirmed by the message confirming unit 164 that the card transaction message includes the ticket reservation / advance information, the information confirming unit 166 cooperates with the communication medium confirming unit 170 and the card transaction message. Identify the first communication medium that has received the information, and verify at least one ticket processing information including communication medium switching information including first media information in association with the memory unit 130, and the confirmed ticket processing information. Among the one or more pieces of second communication medium information included in the information, the second communication medium information corresponding to the ticket reservation / reservation information is characterized in that it is confirmed.

According to an exemplary embodiment of the present invention, the information checking unit 166 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 130. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the ticket reservation / advance information includes the ticket reservation / advance page URL, the information checking unit 166 may include information on communication media stored in the memory unit 130. Near field communication of the VoIP complex terminal 100, a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-range of the packet-switching method to communicate with the device (or server) connected to the ticket reservation / booking page It is preferable to automatically check any one of a wired communication medium, a short-range wired communication medium of a direct communication method, or an optical communication medium as the second communication medium. Even if it is included, the wireless communication medium or the wired communication medium connected to the VoIP composite terminal 100 may be automatically confirmed as the second communication medium. All.

According to another exemplary embodiment of the present invention, when the ticket reservation / reservation information includes the ticket reservation / reservation path code information, the information checking unit 166 may provide communication medium information stored in the memory unit 130. Among the above, the wireless communication medium or wired communication medium corresponding to the ticket reservation / booking route code information, the short-range wireless communication medium of the packet-switching method, the short-range wireless communication medium of the direct communication method, the short-range wired communication medium of the packet switching method, Alternatively, it is preferable to automatically identify one of the communication media of a short distance wired communication medium or an optical communication medium of the direct communication method as the second communication medium.

When the second communication medium to process the ticket reservation / reservation is confirmed by the information confirming unit 166, the communication channel connection unit 160 processes the ticket reservation / reservation through the confirmed second communication medium. It characterized in that for connecting the communication channel.

Here, the communication channel connection unit 160 is a device (or server) located in the near field with the VoIP composite terminal 100 through the short-range wireless communication medium of the packet exchange method identified by the information confirming unit 166. It is desirable to connect a short range wireless communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 160 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through a short range wireless communication medium of the direct communication method identified by the information checking unit 166. It is desirable to connect a short range wireless communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 160 may be a device (or server) located at a short distance from the VoIP composite terminal 100 through the short-range wired communication medium of the packet exchange method identified by the information checking unit 166. It is desirable to connect a short distance wired communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 160 may be a device (or a server) located in close proximity to the VoIP composite terminal 100 through a short distance wired communication medium of a direct communication method identified by the information checking unit 166. It is desirable to connect a short distance wired communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 160 requests the ticket reservation / reservation request to a device (or server) located in close proximity to the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 166. It is desirable to connect an optical communication channel for transmitting information.

Alternatively, the communication channel connection unit 160 connects a wide area communication channel for transmitting the ticket reservation / reservation request information to a server (or a device) on the communication network through a wired communication medium identified by the information checking unit 166. It is desirable to.

Alternatively, the communication channel connection unit 160 connects a wide area communication channel for transmitting the ticket reservation / reservation request information to a server (or a device) on the communication network through a wireless communication medium identified by the information checking unit 166. It is desirable to.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 160, the mode switching unit 168 is the first communication medium receiving the card transaction message in the operation mode of the VoIP composite terminal 100; Characterized in that the communication channel by the communication channel connection unit 160 is switched to the ticket mode for each communication medium including the communication information connected to the communication medium.

Here, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 via the packet-switched short-range wireless communication medium through the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Or, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 through the short-range wireless communication medium of the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium is a device that locates the ticket reservation / reservation request information generated in the VoIP composite terminal 100 and the VoIP composite terminal 100 in a short distance through a short-range wired communication medium of a packet exchange method ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Or, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 via the short-range wired communication medium of the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium transmits ticket reservation / reservation request information generated by the VoIP composite terminal 100 to an apparatus (or server) located near the VoIP composite terminal 100 via the optical communication medium. It is preferable to include a ticket mode for processing the ticket reservation / reservation.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium to process the ticket reservation / reservation. It is preferable to include a ticket mode.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the ticket reservation / reservation. It is preferable to include a ticket mode.

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 160, the operation mode of the VoIP composite terminal 100 by the mode switching unit 168 corresponding to the second communication medium When the switch to the ticket mode, the interface output unit 172 through the key input unit 120, ticket reservation / reservation security information (for example, card password, platform for ticket reservation / reservation processing through the second communication medium) OTP, etc.), and outputs a ticket reservation / advance interface for each communication medium that receives the card information read from the customer card through the card reader 110.

Here, the ticket reservation / reservation interface for each communication medium is ticket reservation / reservation security information (eg, card password, platform OTP, etc.) for ticket reservation / reservation processing through the second communication medium through the key input unit 120 It is preferable to include a user interface for receiving the input, it is preferable to include a user interface for requesting to read the customer card through the card reader 110.

If the customer card is an IC card and the card reader 110 includes an IC reader, the ticket reservation / reservation interface for each communication medium may include a password (eg, a PIN) included in the ticket reservation / reservation security information. Preferably through the user interface to confirm the validity of the IC card through.

According to another exemplary embodiment of the present invention, a device (or server) located in close proximity to the VoIP composite terminal 100 and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel by the communication channel connection unit 160, Is connected, and the ticket reservation / reservation request information includes only card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the ticket reservation / reservation process). In addition, the ticket reservation / reservation interface for each communication medium may omit a user interface for receiving ticket reservation / reservation security information (eg, card password, platform OTP, etc.), and the present invention is not limited thereto.

After the ticket reservation / advance interface for each communication medium is output by the interface output unit 172, the information input unit 174 transmits the ticket reservation / advance security information (eg, a card password) through the key input unit 120. , Platform OTP, etc.).

According to another embodiment of the present invention, when the user interface for inputting the ticket reservation / reservation security information (eg, card password, platform OTP, etc.) to the ticket reservation / reservation interface for each communication medium is omitted, the information input unit 174 ) May not process the input information corresponding to the omitted user interface, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 110 based on the ticket reservation / reservation interface for each communication medium, the information input unit 174 is linked with the card reader unit 110 to the card information. Characterized in that the input processing.

Referring to FIG. 1, the VoIP composite terminal 100 includes at least one ticket input / booking information, ticket reservation / booking security information, and card information that has been processed, and reserves a ticket corresponding to the second communication medium. Information generation unit 176 for generating reservation request information, and an information transmission unit for transmitting the ticket reservation / reservation request information through a communication channel connected through the second communication medium when the ticket reservation / reservation request information is generated. It is characterized by comprising (178).

When the card information is input and processed through the information input unit 174, and the ticket reservation / advance information and the ticket reservation / advance security information are input and processed according to an implementation method, the information generation unit 176 reserves the input ticket. / Ticket information / ticket reservation / reservation security information and at least one card information, characterized in that for generating the ticket reservation / reservation request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 160 according to an embodiment of the present invention. When a communication channel is connected through a medium, the information generator 176 may generate ticket reservation / reservation request information transmitted through the short-range wireless communication medium.

Alternatively, a communication channel through a short range wireless communication medium of a direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 160. When connected, the information generator 176 may generate ticket reservation / reservation request information transmitted through the short range wireless communication medium of the direct communication method.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 160. When connected, the information generator 176 may generate ticket reservation / reservation request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via the short-range wired communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in the near by the communication channel connection unit 160 When connected, the information generator 176 preferably generates ticket reservation / reservation request information transmitted through the short-range wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 160 connects the VoIP composite terminal 100 to the VoIP composite terminal 100 and a device (or server) located in a short distance through an optical communication medium, the information The generation unit 176 preferably generates ticket reservation / reservation request information transmitted through the optical communication medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connector 160 through a wired communication medium, the information generator 176 communicates the wired communication. It is desirable to generate ticket reservation / advance request information transmitted through the medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connection unit 160, the information generation unit 176 performs the wireless communication. It is desirable to generate ticket reservation / advance request information transmitted through the medium.

When the ticket reservation / reservation request information is generated by the information generation unit 176, the information transmission unit 178 transmits the ticket reservation / reservation request information through a communication channel connected through the second communication medium. It is characterized by.

The information transmitter 178 transmits the ticket reservation / reservation request information through a communication channel connected through the second communication medium, and includes at least one key data in ticket processing information including the second communication medium information. Is included, the information transmission unit 178 preferably transmits the ticket reservation / reservation request information by encrypting the key data.

Those skilled in the art will be familiar with the technical features of encrypting and transmitting the ticket reservation / reservation request information using at least one encryption key, and thus, a detailed description thereof will be omitted. Let's do it.

After the ticket reservation / reservation request information is transmitted by the information transmission unit 178, when the ticket reservation / reservation corresponding to the ticket reservation / reservation request information is processed, the ticket reservation is performed through the message receiving unit 162. It is preferable that a message including the reservation result information is received and output through the screen output unit 115.

Referring to Figure 1, the VoIP composite terminal 100, the screen output unit 115 to charge the electronic money through the selective payment (or financial transactions) processing according to the communication medium identification according to an embodiment of the present invention When the electronic money charging menu is selected through the key input unit 120 from among a plurality of menus output through the first and second menus, the first information checked by the communication medium checking unit 170 in association with the memory unit 130 is selected. An information checking unit for identifying at least one second communication medium information included in charging processing information including first medium information corresponding to a communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected); 166 and a mode selection interface for selecting a second communication medium to process the electronic money charging among the second communication media, and selecting the second communication medium to be charged with electronic money through the key input unit 120, Prize A mode switching unit 168 for switching the operation mode of the VoIP composite terminal 100 to a charging mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information, and switching to a charging mode for each communication medium; The communication channel connecting unit 160 connecting the communication channel for processing the electronic money charging through the selected second communication medium, and the key input unit 120 when connecting the communication channel through the second communication medium. Receiving electronic money charging information and electronic money charging security information for the electronic money charging processing through the second communication medium, the electronic communication for each communication medium that receives the card information read from the customer card through the card reader 110 The electronic money charging information and the electronic money charging security information through an interface output unit 172 for outputting a money charging interface and the electronic money charging interface for each communication medium; And an information input unit 174 for input card processing.

According to an exemplary embodiment of the present invention, the VoIP composite terminal 100 includes at least one of a payment menu, a banking menu, a giro payment menu, a ticket reservation / advance menu, and an electronic money charging menu through the screen output unit 115. Outputs a plurality of menus, and when the electronic money charging menu is selected from the plurality of menus through the key input unit 120, the information checking unit 166 is checked by the communication medium checking unit 170. A communication medium including first media information corresponding to a first communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected) and including first media information in association with the memory unit 130. And at least one charging processing information including the switching information and at least one second communication medium information included in the checked charging processing information.

When the at least one second communication medium information is confirmed by the information checking unit 166, the mode switching unit 168 is connected to the screen output unit 115 to determine one or more of the at least one second communication medium. And a mode selection interface for selecting a second communication medium to process the electronic money charging, and when selecting a second communication medium to be charged with electronic money through the key input unit 120, the VoIP terminal 100 (B) is switched to a charging mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information.

Here, the charging mode for each communication medium is a device (or device) located near the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for the electronic money charging request information generated by the VoIP complex terminal 100 (or Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium is an apparatus (or device) located near the VoIP complex terminal 100 via the short-range wireless communication medium of the electronic money charging request information generated by the VoIP complex terminal 100 (or a direct communication method). Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium is a device (or device) that is located at a short distance from the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for electronic money charging request information generated by the VoIP complex terminal 100. Server) and a charging mode for processing the electronic money charging.

Or, the charging mode for each communication medium is a device (or device) located near the VoIP composite terminal 100 via the short-range wired communication medium of the electronic money charging request information generated in the VoIP composite terminal 100 (or direct communication method) (or Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium transmits the electronic money charging request information generated by the VoIP composite terminal 100 to an apparatus (or server) located near the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a charging mode for processing the electronic money charging.

Alternatively, in the charging mode for each communication medium, the electronic money charging request information generated by the VoIP composite terminal 100 is transmitted to a server (or device) on the communication network through a wired communication medium to process the electronic money charging. It is preferable to include a mode.

Alternatively, in the charging mode for each communication medium, a charging mode for processing the electronic money charging by transmitting the electronic money charging request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium. It is preferable to comprise a.

When the operation mode of the VoIP composite terminal 100 is switched to the charging mode for each communication medium by the mode switching unit 168, the communication channel connection unit 160 requests to charge the electronic money through the selected second communication medium. It is characterized by connecting a communication channel for processing the electronic money charging by transmitting information.

Here, the communication channel connection unit 160 transmits the electronic money charging request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wireless communication medium of a packet switched method. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 160 transmits the electronic money charging request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short range wireless communication medium of a direct communication method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 160 transmits the electronic money charging request information to a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in a packet-switched manner. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 160 transmits the electronic money charging request information to a device (or server) located at a short distance with the VoIP composite terminal 100 through a short distance wired communication medium of a direct communication method. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 160 may connect an optical communication channel for transmitting the electronic money charging request information to the device (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. Do.

Alternatively, the communication channel connection unit 160 may connect a wide area communication channel for transmitting the electronic money charging request information to a server (or device) on the communication network through a wired communication medium.

Alternatively, the communication channel connection unit 160 may connect a wide area communication channel for transmitting the electronic money charging request information to a server (or device) on the communication network through a wireless communication medium.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 160, the interface output unit 172 uses the key input unit 120 to perform electronic money charging processing through the second communication medium. Communication medium for receiving money charging information (for example, the amount of charge) and electronic money charging security information (for example, card password, platform OTP, etc.) and reading card information read from a customer card through the card reader unit 110. Characterized by outputting the electronic money charging interface.

Here, the electronic money charging interface for each communication medium may include electronic money charging information (for example, charge amount) and electronic money charging security information (for example, charge amount) for the electronic money charging process through the key input unit 120 through the second communication medium. , Card password, platform OTP, etc.) is preferably included, and preferably includes a user interface for requesting reading of the customer card through the card reader 110.

If the customer card is an IC card and the card reader 110 includes an IC reader, the electronic money charging interface for each communication medium uses a password (eg, a PIN) included in the electronic money charging security information. It is preferable to further comprise a user interface for confirming the validity through the IC card.

According to another exemplary embodiment of the present invention, a device (or server) located in close proximity to the VoIP composite terminal 100 and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel by the communication channel connection unit 160, Is connected, and the electronic money charging request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the electronic money charging process). The electronic money charging interface for each medium may omit some of the user interface for receiving electronic money charging information (for example, the amount of charge) and electronic money charging security information (for example, a card password, platform OTP, etc.). This is not limited.

After the electronic money charging interface for each communication medium is output by the interface output unit 172, the information input unit 174 transmits the electronic money charging information (for example, a charged amount) and the electronic value through the key input unit 120. Characterized in that the input charging security information (for example, card password, platform OTP).

According to another exemplary embodiment of the present invention, a user interface for receiving the electronic money charging information (for example, a charge amount) and electronic money charging security information (for example, a card password, a platform OTP, etc.) into the electronic money charging interface for each communication medium If some of the information is omitted, the information input unit 174 may not process the information corresponding to the omitted user interface, and thus the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 110 based on the electronic money charging interface for each communication medium, the information input unit 174 connects the card information with the card reader unit 110. Characterized in that the input processing.

Referring to Figure 1, the VoIP composite terminal 100 for charging the electronic money through the selective payment (or financial transactions) processing according to the communication medium identification according to another embodiment of the present invention, the communication channel connection unit ( A message receiving unit 162 for receiving a card transaction message from the first communication medium to which the VoIP composite terminal 100 is connected by 160 and the received card transaction message to read whether the electronic money charging information is included; A message corresponding to a first communication medium (or a first communication medium receiving the card transaction message) identified by the communication medium checking unit 170 when the message checking unit 164 and the electronic money charging information are checked. 1 confirming the communication medium information, the second communication medium information corresponding to the electronic money charging information of the second communication medium information associated with the first communication medium information in association with the memory unit 130 A communication channel connecting unit 160 connecting the information checking unit 166 to confirm the communication unit, and a communication channel for processing the electronic money charging through the identified second communication medium when the second communication medium is checked; When the communication channel is connected through a communication medium, the mode switching unit 168 for switching the operation mode of the VoIP composite terminal 100 to a charging mode for each communication medium including the first communication medium information and the second communication medium information; Receiving electronic money charging security information for electronic money charging processing through the second communication medium through the key input unit 120, and receiving card information read from a customer card through the card reader 110; An interface output unit 172 for outputting an electronic money charging interface for each communication medium, and a process for inputting and processing the electronic money charging security information and card information through the electronic money charging interface for each communication medium; By having an input unit (174) characterized by comprising.

According to another exemplary embodiment of the present invention, when the VoIP composite terminal 100 is connected to a first communication medium by the communication channel connection unit 160, the VoIP composite terminal 100 is defined in the first communication medium. Receiving at least one message data according to the established message exchange protocol, wherein the message receiver 162 receives a message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 160. Accordingly, a predetermined card transaction message for charging the electronic money through selective payment (or financial transaction) processing according to the communication medium identification may be received.

When a predetermined card transaction message is received by the message receiving unit 162, the message checking unit 164 reads the received card transaction message and checks whether the electronic money charging information is included.

According to an embodiment of the present invention, the electronic money charging information included in the card transaction message preferably comprises at least one charge amount, and according to the intention of those skilled in the art, PG identification information and electronic money charging page URL information. And electronic money charging path code information.

When it is confirmed by the message confirming unit 164 that the electronic currency charging information is included in the card transaction message, the information confirming unit 166 links the card transaction message in association with the communication medium confirming unit 170. Confirm the received first communication medium, check at least one charging process information including communication medium switching information including first media information in association with the memory unit 130, Among the at least one second communication medium information included, the second communication medium information corresponding to the electronic money charging information is confirmed.

According to an exemplary embodiment of the present invention, the information checking unit 166 may include a wireless communication medium or a wired communication medium to which the VoIP composite terminal 100 is connected among the communication medium information stored in the memory unit 130. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the electronic money charging information includes the URL of the electronic money charging page, the information checking unit 166 may include the VoIP information of the communication medium information stored in the memory unit 130. A near field communication device of a packet switched type, a short distance wireless communication medium of a direct communication type, and a short distance wired communication medium of a packet exchange type that communicate with a device (or a server) connected to the electronic money charging page near the composite terminal 100. , Or it is preferable to automatically check any one of a short distance wired communication medium or an optical communication medium of the direct communication method as the second communication medium, and the electronic money charging page URL is included according to the intention of a person skilled in the art. Even if the VoIP communication terminal 100 is connected to the wireless communication medium or wired communication medium may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present disclosure, when the electronic money charging information includes the electronic money charging path code information, the information checking unit 166 may include information on the communication medium stored in the memory unit 130. A wireless communication medium or wired communication medium corresponding to the electronic money charging path code information, a near field wireless communication medium of a packet switched method, a near field wireless communication medium of a direct communication method, a short distance wired communication medium of a packet switched method, or direct communication It is preferable to automatically identify the communication medium of any one of a short-range wired communication medium or an optical communication medium as the second communication medium.

When the second communication medium to process the electronic money charging is confirmed by the information confirming unit 166, the communication channel connection unit 160 communicates to process the electronic money charging through the identified second communication medium. It is characterized by connecting the channel.

Here, the communication channel connection unit 160 is a device (or server) located in the near field with the VoIP composite terminal 100 through the short-range wireless communication medium of the packet exchange method identified by the information confirming unit 166. It is preferable to connect a short-range wireless communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 160 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through a short range wireless communication medium of the direct communication method identified by the information checking unit 166. It is preferable to connect a short-range wireless communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 160 may be a device (or server) located at a short distance from the VoIP composite terminal 100 through the short-range wired communication medium of the packet exchange method identified by the information checking unit 166. It is preferable to connect a short-range wired communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 160 may be a device (or server) located at a short distance from the VoIP composite terminal 100 through a short distance wired communication medium of a direct communication method identified by the information checking unit 166. It is preferable to connect a short-range wired communication channel for transmitting the electronic money charging request information.

Alternatively, the communication channel connection unit 160 is a device (or server) located in close proximity to the VoIP composite terminal 100 via the optical communication medium identified by the information confirming unit 166 to charge the electronic money charging information. It is preferable to connect the optical communication channel for transmitting the.

Alternatively, the communication channel connection unit 160 connects a wide area communication channel for transmitting the electronic money charging request information to a server (or device) on the communication network through a wired communication medium identified by the information checking unit 166. It is preferable.

Alternatively, the communication channel connection unit 160 connects a wide area communication channel for transmitting the electronic money charging request information to a server (or device) on the communication network through a wireless communication medium identified by the information checking unit 166. It is preferable.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 160, the mode switching unit 168 is the first communication medium receiving the card transaction message in the operation mode of the VoIP composite terminal 100; And a charging mode for each communication medium including information and second communication medium information connected to the communication channel by the communication channel connection unit 160.

Here, the charging mode for each communication medium is a device (or device) located near the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for the electronic money charging request information generated by the VoIP complex terminal 100 (or Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium is an apparatus (or device) located near the VoIP complex terminal 100 via the short-range wireless communication medium of the electronic money charging request information generated by the VoIP complex terminal 100 (or a direct communication method). Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium is a device (or device) that is located at a short distance from the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for electronic money charging request information generated by the VoIP complex terminal 100. Server) and a charging mode for processing the electronic money charging.

Or, the charging mode for each communication medium is a device (or device) located near the VoIP composite terminal 100 via the short-range wired communication medium of the electronic money charging request information generated in the VoIP composite terminal 100 (or direct communication method) (or Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium transmits the electronic money charging request information generated by the VoIP composite terminal 100 to an apparatus (or server) located near the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a charging mode for processing the electronic money charging.

Alternatively, in the charging mode for each communication medium, a charging mode for processing the electronic money charging by transmitting the electronic money charging request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium. It is preferable to comprise a.

Alternatively, in the charging mode for each communication medium, a charging mode for processing the electronic money charging by transmitting the electronic money charging request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium. It is preferable to comprise a.

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 160, the operation mode of the VoIP composite terminal 100 by the mode switching unit 168 corresponding to the second communication medium When the charging mode is switched, the interface output unit 172 is electronic money charging security information (for example, card password, platform OTP, etc.) for the electronic money charging processing through the second input medium through the key input unit 120 ), And outputs the electronic money charging interface for each communication medium that receives the card information read from the customer card through the card reader 110.

Here, the electronic money charging interface for each communication medium receives electronic money charging security information (eg, card password, platform OTP, etc.) for the electronic money charging process through the key input unit 120 through the second communication medium. It is preferable to include a user interface, and preferably comprises a user interface for requesting to read the customer card through the card reader 110.

If the customer card is an IC card and the card reader unit 110 includes an IC reader unit, the electronic money charging interface for each communication medium may be entered through a password (eg, a PIN) included in the electronic money charging security information. It is preferable to further comprise a user interface for confirming the validity of the IC card.

According to another exemplary embodiment of the present invention, a device (or server) located in close proximity to the VoIP composite terminal 100 and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel by the communication channel connection unit 160, Is connected, and the electronic money charging request information includes only the card information read from the customer card (for example, when the VoIP composite terminal 100 is used as a card reader for the electronic money charging process). The electronic money charging interface for each communication medium may omit a user interface for receiving electronic money charging security information (eg, card password, platform OTP, etc.), and the present invention is not limited thereto.

After the electronic money charging interface for each communication medium is output by the interface output unit 172, the information input unit 174 receives the electronic money charging security information (eg, card password, platform) through the key input unit 120. OTP, etc.).

According to another exemplary embodiment of the present invention, when the user interface for receiving the electronic money charging security information (for example, a card password, platform OTP, etc.) is omitted from the electronic money charging interface for each communication medium, the information input unit 174 may be used. The information corresponding to the omitted user interface may not be inputted, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader unit 110 based on the electronic money charging interface for each communication medium, the information input unit 174 connects the card information with the card reader unit 110. Characterized in that the input processing.

Referring to FIG. 1, the VoIP composite terminal 100 includes at least one of the input electronic money charging information, electronic money charging security information, and card information, and requests for electronic money charging corresponding to the second communication medium. An information generator 176 for generating information and an information transmitter 178 for transmitting the electronic money charging request information through a communication channel connected through the second communication medium when the electronic money charging request information is generated. Characterized in that made.

When the card information is input and processed through the information input unit 174, and the electronic money charging information and the electronic money charging security information are input and processed according to an implementation method, the information generation unit 176 is configured to process the input electronic money charging information. And at least one electronic money charging security information and card information to generate electronic money charging request information corresponding to the second communication medium.

Short-range wireless communication in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 160 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generator 176 may generate the electronic money charging request information transmitted through the short-range wireless communication medium of the packet exchange method.

Alternatively, a communication channel through a short range wireless communication medium of a direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 160. When connected, the information generator 176 preferably generates electronic money charging request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel through a short-range wired communication medium in a packet-switched manner between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located at a short distance by the communication channel connection unit 160. When connected, the information generation unit 176 preferably generates electronic money charging request information transmitted through the short-range wired communication medium of the packet exchange method.

Or, the communication channel via the short-range wired communication medium of the direct communication method between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or server) located in the near by the communication channel connection unit 160 When connected, the information generating unit 176 preferably generates electronic money charging request information transmitted through the short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 160 connects the VoIP composite terminal 100 to the VoIP composite terminal 100 and a device (or server) located in a short distance through an optical communication medium, the information The generation unit 176 preferably generates electronic money charging request information transmitted through the optical communication medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connector 160 through a wired communication medium, the information generator 176 communicates the wired communication. It is preferable to generate the electronic money charging request information transmitted through the medium.

Alternatively, when a communication channel is connected between the VoIP composite terminal 100 and a server (or device) on a communication network by the communication channel connection unit 160, the information generation unit 176 performs the wireless communication. It is preferable to generate the electronic money charging request information transmitted through the medium.

When the electronic money charging request information is generated by the information generating unit 176, the information transmitting unit 178 transmits the electronic money charging request information through a communication channel connected through the second communication medium. It is done.

When the information transmitter 178 transmits the electronic money charging request information through a communication channel connected through the second communication medium, at least one key data is included in the charging processing information including the second communication medium information. When included, the information transmitter 178 preferably transmits the electronic money charging request information by encrypting the key data.

Those skilled in the art will be familiar with the technical features of encrypting and transmitting the electronic money charging request information through at least one or more encryption keys, so a detailed description thereof will be omitted for convenience. Shall be.

After the electronic money charging request information is transmitted by the information transmitting unit 178, and the electronic money charging corresponding to the electronic money charging request information is processed, the electronic money charging result information through the message receiving unit 162. Preferably, a message including a received message is output through the screen output unit 115.

2 is a diagram illustrating an operation process of the VoIP composite terminal 100 searching for a communication medium for selective payment processing according to a communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or short-range communication including at least one of a packet-switched short-range wireless communication medium, a direct communication short-range wireless communication medium, a packet-switched short distance wireless communication medium, a direct communication short-range wireless communication medium, and an optical communication medium. In the medium, a process for searching for at least one or more communication media for processing the selective payment according to the communication medium identification in the VoIP composite terminal 100, if one of ordinary skill in the art And a communication medium for selective payment processing according to the communication medium identification by referring to and / or modifying the drawing of FIG. Would have to be inferred how the various embodiments of the process of search, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 2.

Hereinafter, in FIG. 2, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 2, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In the voice call mode corresponding to the function or the data communication function, or the data communication mode, the terminal determines whether the voice call mode is idle or the data communication mode is idle (200).

If the operation mode of the terminal is determined to be in the voice call mode idle state or the data communication mode idle state (205), the terminal is a wide area communication medium comprising at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect a communication channel for the payment processing with at least one server (or device) located on the communication network according to the channel discovery protocol corresponding to the terminal to determine whether the server (or device) on the communication network is discovered (210). .

If a server (or device) on the communication network is discovered (215), the terminal identifies communication medium information corresponding to the server (or device) discovered on the communication network through the channel discovery protocol (220), and the communication The media information is stored in the memory unit 130 (or the security application module) by linking payment information for each communication medium (225), and the process is periodically repeated for all the wide area communication media connectable to the terminal. (230).

The payment processing information for each communication medium may include at least one communication medium switching information for the payment processing and at least one or more key data for the payment security processing when at least one payment processing using the terminal. It is preferable.

In the payment settlement process using the terminal, when payment information for the payment settlement process is received through at least one or more communication media, the communication medium switching information includes first communication medium information for receiving the payment information and the payment. It is preferable that the second communication medium information for transmitting the payment request information including the information and the card information read through the card reader unit 110 is preferably made.

Alternatively, when the payment information for the payment processing is input through the key input unit 120, the communication medium switching information may include the payment information input through the key input unit 120 and the card reader 110. And a second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium connected to the terminal before the payment processing is a communication medium such as the second communication medium. It is possible to include or other communication media.

In addition, the key data is the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation (Nonrepudiation) of the payment request information between the terminal and the server (or device) receiving the payment request information It is preferable to include at least one encryption key (or decryption key) to secure.

According to an embodiment of the present invention, when the payment processing information for each communication medium is stored in the memory unit 130 (or the security application module) in association with a plurality of communication medium information that can be connected through the terminal and in an inactive state. It is preferable that the terminal activates payment processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (230), the terminal is a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-range wired communication medium of the packet switching method, a direct communication of a plurality of communication media A local area wired communication medium and at least one device (or server) located at a short distance according to a channel search protocol corresponding to a local area communication medium including at least one optical communication medium, and a communication channel connection for payment processing. By attempting, it is checked if the device (or server) located in the near field is discovered (235).

If the device (or server) located in the near field is found (240), the terminal checks the communication medium information corresponding to the device (or server) found in the near field through the channel search protocol (245), The communication medium information and the payment processing information for each communication medium are linked and stored in the memory unit 130 (or a security application module) (250), and the process is periodically repeated for a short range communication medium connectable to the terminal. (255).

The payment processing information for each communication medium may include at least one communication medium switching information for the payment processing and at least one or more key data for the payment security processing when at least one payment processing using the terminal. It is preferable.

In the payment processing using the terminal, when payment information for the payment processing is received through at least one or more communication media, the communication medium switching information may include first communication medium information for receiving the payment information and the payment. It is preferable that the second communication medium information for transmitting the payment request information including the information and the card information read through the card reader unit 110 is preferably made.

Alternatively, when the payment information for the payment processing is input through the key input unit 120, the communication medium switching information may include the payment information input through the key input unit 120 and the card reader 110. And a second communication medium information for transmitting payment request information including card information read through the first communication medium. The first communication medium connected to the terminal before the payment processing is a communication medium such as the second communication medium. It is possible to include or other communication media.

In addition, the key data is the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation (Nonrepudiation) of the payment request information between the terminal and the server (or device) receiving the payment request information It is preferable to include at least one encryption key (or decryption key) to secure.

According to an embodiment of the present invention, when the payment processing information for each communication medium is stored in the memory unit 130 (or the security application module) in association with a plurality of communication medium information that can be connected through the terminal and in an inactive state. It is preferable that the terminal activates payment processing information for each communication medium stored in association with the searched communication medium information.

3 is a diagram illustrating an operation process of the VoIP composite terminal 100 searching for a communication medium for selective financial transaction processing according to a communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 3 shows a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or a near field communication medium including at least one packet switched local area wireless communication medium, a direct communication local area wireless communication medium, a packet switched local area wired communication medium, a direct communication local area wired communication medium, and an optical communication medium. Of the above, the VoIP composite terminal 100 for the process of searching for at least one or more communication media for processing a selective financial transaction according to the communication medium identification, if one of ordinary skill in the art to which the present invention belongs, Communication medium for selective financial transaction processing according to the communication medium identification by referring to and / or modifying the Figure 3 Would have to be inferred how the various embodiments of the process of search, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 3.

3, the VoIP composite terminal 100 shown in FIG. 1 will be referred to as " terminal "

Referring to FIG. 3, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In operation 300, the terminal determines whether the voice call mode is idle, or the data communication mode is idle.

If the operation mode of the terminal is determined to be in the voice call mode idle state or the data communication mode idle state (305), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect a communication channel for the financial transaction processing with at least one server (or device) located on the communication network according to the channel discovery protocol corresponding to the check whether the server (or device) on the communication network is discovered (310) .

If a server (or device) on the communication network is discovered (315), the terminal identifies communication medium information corresponding to the server (or device) discovered on the communication network through the channel discovery protocol (320), and the communication The media information and the banking processing information for each communication medium are linked to each other and stored in the memory unit 130 (or a security application module) (325), and the process is periodically repeated for all the wide area communication media that can be connected to the terminal. (330).

The banking processing information for each communication medium may include at least one communication medium switching information for the financial transaction processing and at least one or more key data for the financial transaction security processing when processing at least one financial transaction using the terminal. It is preferable.

In the financial transaction processing using the terminal, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include first communication medium information for receiving the financial transaction information; Preferably, the financial transaction information includes the second communication medium information for transmitting the financial transaction request information including the financial transaction information and the card information read through the card reader unit 110.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 120, the communication medium switching information may be the financial transaction information input through the key input unit 120 and the card reader unit 110. And second communication medium information for transmitting the financial transaction request information including card information read through the card information, wherein the first communication medium connected to the terminal before the financial transaction processing is connected to the second communication medium. It is possible to include the same communication medium or different communication media.

In addition, the key data is an encryption key (or decryption key) for securing confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the terminal and the server (or device) receiving the financial transaction request information. It is preferable to include at least one.

According to an embodiment of the present invention, when the banking processing information for each communication medium is stored in the memory unit 130 (or the security application module) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state, the Preferably, the terminal activates banking processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (330), the terminal may be a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication method, a short-range wired communication medium of a packet switching method, and direct communication among a plurality of communication media. A local area wired communication medium and at least one device (or server) located at a short distance according to a channel search protocol corresponding to a local area communication medium including at least one optical communication medium and a communication channel connection for processing the financial transaction. By attempting, it is checked whether a device (or server) located in a short distance is found (335).

If the device (or server) located in the near field is found (340), the terminal checks the communication medium information corresponding to the device (or server) found in the near field through the channel search protocol (345), The communication medium information and the banking processing information for each communication medium are linked and stored in the memory unit 130 (or a security application module) (350), and the process is periodically repeated for a short range communication medium connectable to the terminal. (355).

The banking processing information for each communication medium may include at least one communication medium switching information for the financial transaction processing and at least one or more key data for the financial transaction security processing when processing at least one financial transaction using the terminal. It is preferable.

In the financial transaction processing using the terminal, when the financial transaction information for the financial transaction processing is received through at least one or more communication media, the communication medium conversion information may include first communication medium information for receiving the financial transaction information; Preferably, the financial transaction information includes the second communication medium information for transmitting the financial transaction request information including the financial transaction information and the card information read through the card reader unit 110.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 120, the communication medium switching information may be the financial transaction information input through the key input unit 120 and the card reader unit 110. And second communication medium information for transmitting the financial transaction request information including card information read through the card information, wherein the first communication medium connected to the terminal before the financial transaction processing is connected to the second communication medium. It is possible to include the same communication medium or different communication media.

In addition, the key data is an encryption key (or decryption key) for securing confidentiality, authentication, integrity and non-repudiation of the financial transaction request information between the terminal and the server (or device) receiving the financial transaction request information. It is preferable to include at least one.

According to an embodiment of the present invention, when the banking processing information for each communication medium is stored in the memory unit 130 (or the security application module) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state. Preferably, the terminal activates banking processing information for each communication medium stored in association with the searched communication medium information.

4 is a diagram illustrating an operation process of the VoIP composite terminal 100 for searching for a communication medium for the payment of giro through the selective payment (or financial transaction) according to the communication medium identification according to the method of the present invention.

In more detail, FIG. 4 illustrates a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or a near field communication medium including at least one packet switched local area wireless communication medium, a direct communication local area wireless communication medium, a packet switched local area wired communication medium, a direct communication local area wired communication medium, and an optical communication medium. Of the above, the VoIP composite terminal 100 for the process of searching for at least one or more communication media for processing the payment through the selective payment (or financial transactions) according to the communication medium identification, the present invention belongs to For those skilled in the art, reference to and / or modification of the drawing of Fig. 4 selects according to the communication medium identification. Various implementation methods for the process of searching for a communication medium for payment of giro payments through payment (or financial transaction) may be inferred, but the present invention includes all the implementation methods inferred above, FIG. The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 4, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In the voice call mode corresponding to the function or the data communication function, or in the data communication mode, the terminal determines whether the voice call mode is idle or the data communication mode is idle (400).

If the operation mode of the terminal is determined to be in the voice call mode idle state or the data communication mode idle state (405), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect the communication channel for the branch payment processing with at least one server (or device) located on the communication network according to the channel discovery protocol corresponding to the check whether the server (or device) on the communication network is found (410) .

If a server (or device) on the communication network is discovered (415), the terminal checks the communication medium information corresponding to the server (or device) discovered on the communication network through the channel discovery protocol (420), and the communication The media information is stored in the memory unit 130 (or the security application module) in association with the processing information for each communication medium (425), and the process is periodically repeated for all the wide area communication media connectable to the terminal. (430).

The Jiro processing information for each communication medium may include at least one or more key data for the Jiro payment security processing and the communication medium switching information for the Jiro payment processing when at least one branch payment processing using the terminal. It is preferable.

In the case of the giropayment processing using the terminal, when the giropayment information for the giropayment processing is received through at least one or more communication media, the communication medium switching information includes first communication medium information for receiving the giropayment information; Preferably, the information includes second communication medium information for transmitting the branch payment request information including the branch payment information and the card information read through the card reader 110.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 120, the communication medium switching information is inputted through the key input unit 120 and the card payment unit 110. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the first communication medium connected to the terminal before the Jiro payment processing is connected to the second communication medium; It is possible to include the same communication medium or different communication media.

In addition, the key data is an encryption key (or decryption key) to secure confidentiality, authentication, integrity and non-repudiation of the branch payment request information between the terminal and the server (or device) receiving the branch payment request information. It is preferable to include at least one.

According to an embodiment of the present invention, when the processing information for each communication medium is stored in the memory unit 130 (or the security application module) in association with a plurality of communication medium information that can be connected through the terminal and are in an inactive state. It is preferable that the terminal activates processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (430), the terminal may be a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication method, a short-range wired communication medium of a packet switching method, and direct communication among a plurality of communication media. A local area wired communication medium and at least one device (or server) located in the local area according to a channel search protocol corresponding to a local area communication medium including at least one optical communication medium, and a communication channel connection for the branch payment processing. By attempting, it is checked if a device (or server) located in the near field is discovered (435).

If the device (or server) located in the near field is found (440), the terminal checks the communication medium information corresponding to the device (or server) found in the near field through the channel discovery protocol (445), The communication medium information is linked to the processing information for each communication medium and stored in the memory unit 130 (or a security application module) (450), and the process is periodically repeated for a short-range communication medium connectable to the terminal. (455).

The Jiro processing information for each communication medium may include at least one or more key data for the Jiro payment security processing and the communication medium switching information for the Jiro payment processing when at least one branch payment processing using the terminal. It is preferable.

In the case of the giropayment processing using the terminal, when the giropayment information for the giropayment processing is received through at least one or more communication media, the communication medium switching information includes first communication medium information for receiving the giropayment information; Preferably, the information includes second communication medium information for transmitting the branch payment request information including the branch payment information and the card information read through the card reader 110.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 120, the communication medium switching information is inputted through the key input unit 120 and the card payment unit 110. It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through), the first communication medium connected to the terminal before the Jiro payment processing is connected to the second communication medium; It is possible to include the same communication medium or different communication media.

In addition, the key data is an encryption key (or decryption key) to secure confidentiality, authentication, integrity and non-repudiation of the branch payment request information between the terminal and the server (or device) receiving the branch payment request information. It is preferable to include at least one.

According to an embodiment of the present invention, when the processing information for each communication medium is stored in the memory unit 130 (or the security application module) in association with a plurality of communication medium information that can be connected through the terminal and are in an inactive state. Preferably, the terminal activates processing information for each communication medium stored in association with the searched communication medium information.

5 is a diagram illustrating an operation process of the VoIP composite terminal 100 for searching for a communication medium for ticket reservation / prediction processing through selective payment (or financial transaction) according to the communication medium identification according to an embodiment of the present invention. .

In more detail, FIG. 5 illustrates a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or a near field communication medium including at least one packet switched local area wireless communication medium, a direct communication local area wireless communication medium, a packet switched local area wired communication medium, a direct communication local area wired communication medium, and an optical communication medium. Of the above, the VoIP composite terminal 100 is a process for searching for at least one communication medium for processing a ticket reservation / reservation through the selective payment (or financial transactions) according to the communication medium identification, the present invention belongs to Those of ordinary skill in the art may refer to and / or modify this drawing 5 according to the communication medium identification. Various implementation methods for the process of searching for a communication medium for ticket reservation / booking processing through selective payment (or financial transaction) may be inferred, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

5, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 5, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In the voice call mode corresponding to the function or the data communication function, or the data communication mode, the terminal determines whether the voice call mode is idle or the data communication mode is idle (500).

If the operation mode of the terminal is determined to be in the voice call mode idle state or the data communication mode idle state (505), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect the communication channel for the ticket reservation / advance processing with at least one server (or device) located on the communication network according to the channel discovery protocol corresponding to to determine whether the server (or device) on the communication network is discovered ( 510).

If a server (or device) on the communication network is discovered (515), the terminal checks the communication medium information corresponding to the server (or device) discovered on the communication network through the channel discovery protocol (520), and the communication The media information is stored in the memory unit 130 (or the security application module) in association with the ticket processing information for each communication medium (525), and the process is periodically repeated for all the wide area communication media connectable to the terminal. (530).

The ticket processing information for each communication medium may include at least one key data for the ticket reservation / reservation security and the communication medium switching information for the ticket reservation / reservation and at least one ticket reservation / reservation using the terminal. It is preferable to comprise as mentioned above.

When the ticket reservation / reservation using the terminal, when receiving the ticket reservation / reservation information for the ticket reservation / reservation through at least one or more communication media, the communication medium switching information is the first to receive the ticket reservation / reservation information; And a second communication medium information for transmitting the ticket reservation / reservation request information including the communication medium information, the ticket reservation / reservation information, and the card information read through the card reader 110. .

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 120, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 120 and the Preferably, the terminal comprises second communication medium information for transmitting ticket reservation / reservation request information including card information read through the card reader unit 110, and the first terminal connected to the terminal before the ticket reservation / reservation. The communication medium may be a communication medium such as the second communication medium, or may include another communication medium.

The key data may further include an encryption key for securing confidentiality, authentication, integrity, and nonrepudiation of the ticket reservation / reservation request information between the terminal and the server (or device) that receives the ticket reservation / reservation request information. Or at least one decryption key).

According to an embodiment of the present invention, if the ticket processing information for each communication medium is stored in the memory unit 130 (or the security application module) in association with and stored in a deactivated state with a plurality of communication medium information that can be connected through the terminal. It is preferable that the terminal activates ticket processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (530), the terminal may be a short-range wireless communication medium of a packet-switching method, a short-range wireless communication medium of a direct communication method, a short-range wired communication medium of a packet switching method, and direct communication among a plurality of communication media. At least one device (or server) located at a short distance according to a channel search protocol corresponding to a near field communication medium including at least one of a short distance wired communication medium and an optical communication medium, and a communication channel for ticket reservation / reservation processing. By attempting to connect, it is checked whether a device (or server) located in a short distance is found (535).

If the device (or server) located in the near field is found (540), the terminal checks the communication medium information corresponding to the device (or server) found in the near field through the channel search protocol (545), The communication medium information and the ticket processing information for each communication medium are linked and stored in the memory unit 130 (or a security application module) (550), and the process is periodically repeated for a short range communication medium connectable to the terminal. (555).

The ticket processing information for each communication medium may include at least one key data for the ticket reservation / reservation security and the communication medium switching information for the ticket reservation / reservation and at least one ticket reservation / reservation using the terminal. It is preferable to comprise as mentioned above.

When the ticket reservation / reservation using the terminal, when receiving the ticket reservation / reservation information for the ticket reservation / reservation through at least one or more communication media, the communication medium switching information is the first to receive the ticket reservation / reservation information; 1, the communication medium information, the ticket reservation / reservation information, and the second communication medium information for transmitting the ticket reservation / reservation request information including the card information read through the card reader unit 110 is included. desirable.

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 120, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 120 and the It is preferable that the second communication medium information for transmitting the ticket reservation / reservation request information including the card information read through the card reader unit 110, the first communication is connected to the terminal before the ticket reservation / reservation The medium may be a communication medium such as the second communication medium, or may include another communication medium.

The key data may further include an encryption key for securing confidentiality, authentication, integrity, and nonrepudiation of the ticket reservation / reservation request information between the terminal and the server (or device) that receives the ticket reservation / reservation request information. Or at least one decryption key).

According to an embodiment of the present invention, if the ticket processing information for each communication medium is stored in the memory unit 130 (or the security application module) in association with and stored in a deactivated state with a plurality of communication medium information that can be connected through the terminal. It is preferable that the terminal activates ticket processing information for each communication medium stored in association with the searched communication medium information.

FIG. 6 is a diagram illustrating an operation process of the VoIP composite terminal 100 for searching for a communication medium for electronic money charging processing through selective payment (or financial transaction) according to a communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates a wide area communication medium including at least one wireless communication medium and a wired communication medium in an idle state of a voice communication mode and a data communication mode of the VoIP composite terminal 100 shown in FIG. Or a near field communication medium including at least one packet switched local area wireless communication medium, a direct communication local area wireless communication medium, a packet switched local area wired communication medium, a direct communication local area wired communication medium, and an optical communication medium. Of the above, the VoIP composite terminal 100 is a process for searching for at least one communication medium for processing the electronic money charging through the selective payment (or financial transactions) according to the communication medium identification, the present invention Those skilled in the art may refer to and / or modify this drawing 6 according to the communication medium identification. Various implementation methods for the process of searching for a communication medium for electronic money charging processing through selective payment (or financial transaction) may be inferred, but the present invention includes all the implementation methods inferred above. The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the VoIP composite terminal 100 shown in FIG. 1 is referred to as "terminal" for convenience.

Referring to FIG. 6, the terminal basically provides a VoIP voice call function or a data communication function through a wide area communication medium including at least one of a wireless communication medium and a wired communication medium, and the terminal provides the VoIP voice call. In the voice call mode corresponding to the function or the data communication function or the data communication mode, the terminal determines whether the voice call mode is idle or the data communication mode is idle (600).

If the operation mode of the terminal is determined to be in the voice call mode idle state, or the data communication mode idle state (605), the terminal is a wide area communication medium including at least one of a plurality of communication media and a wireless communication medium and a wired communication medium; Attempt to connect the communication channel for the electronic money charging process with at least one server (or device) located on the communication network according to the channel discovery protocol corresponding to the check whether the server (or device) on the communication network is discovered (610) ).

If the server (or device) on the communication network is found (615), the terminal checks the communication medium information corresponding to the server (or device) found on the communication network through the channel discovery protocol (620), the communication The media information is stored in the memory unit 130 (or a security application module) in association with charging information for each communication medium (625), and the process is periodically repeated for all wide area communication media connectable to the terminal. (630).

The charging processing information for each communication medium includes at least one or more key data for the electronic medium charging security and the communication medium switching information for charging the electronic money when charging at least one electronic money using the terminal; It is preferable to make.

When the electronic money is charged using the terminal, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information may include the first communication medium information for receiving the electronic money charging information. And second communication medium information for transmitting the electronic money charging request information including the electronic money charging information and the card information read through the card reader unit 110.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 120, the communication medium switching information may be input through the key input unit 120 and the electronic money charging information and the card reader unit. Preferably, the first communication medium is configured to include second communication medium information for transmitting the electronic money charging request information including card information read through the electronic device. 2 It may be a communication medium such as a communication medium, or may include another communication medium.

In addition, the key data is an encryption key (or decryption) for securing confidentiality, authentication, integrity and nonrepudiation of the electronic money charging request information between the terminal and the server (or device) receiving the electronic money charging request information. And at least one key).

According to an embodiment of the present invention, when the charging processing information for each communication medium is stored in the memory unit 130 (or the security application module) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state, the Preferably, the terminal activates charging processing information for each communication medium stored in association with the searched communication medium information.

If the discovery of the wide area communication medium is completed (630), the terminal is a short-range wireless communication medium of the packet-switching method, a short-range wireless communication medium of the direct communication method, a short-range wired communication medium of the packet communication method, a direct communication of a plurality of communication media A local area wired communication medium and at least one device (or server) located in a local area according to a channel search protocol corresponding to a local area communication medium including at least one optical communication medium, and a communication channel connection for the electronic money charging process. At step 635, the device (or server) located at a short distance is searched for.

If the device (or server) located in the near field is found (640), the terminal checks the communication medium information corresponding to the device (or server) found in the near field through the channel search protocol (645), The communication medium information is stored in the memory unit 130 (or a security application module) in association with the charge processing information for each communication medium (650), and the process is repeated periodically for a short-range communication medium connectable to the terminal. (655).

The charging processing information for each communication medium includes at least one or more key data for the electronic medium charging security and the communication medium switching information for charging the electronic money when charging at least one electronic money using the terminal; It is preferable to make.

When the electronic money is charged using the terminal, when the electronic money charging information for charging the electronic money is received through at least one or more communication media, the communication medium switching information may include the first communication medium information for receiving the electronic money charging information. And second communication medium information for transmitting the electronic money charging request information including the electronic money charging information and the card information read through the card reader unit 110.

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 120, the communication medium switching information may be input through the key input unit 120 and the electronic money charging information and the card reader unit. Preferably, the first communication medium includes information on the second communication medium that transmits the electronic money charging request information including card information read through the electronic device. It is possible to include a communication medium such as a communication medium or other communication mediums.

In addition, the key data is an encryption key (or decryption) for securing confidentiality, authentication, integrity and nonrepudiation of the electronic money charging request information between the terminal and the server (or device) receiving the electronic money charging request information. And at least one key).

According to an embodiment of the present invention, when the charging processing information for each communication medium is stored in the memory unit 130 (or the security application module) in association with a plurality of communication medium information that can be connected through the terminal and stored in an inactive state, the Preferably, the terminal activates charging processing information for each communication medium stored in association with the searched communication medium information.

7 is a diagram illustrating an operation process of the VoIP composite terminal 100 for the selective payment processing according to the communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates that the payment is made through a predetermined communication medium among communication media discovered through the communication medium searching process shown in FIG. 2 when the payment menu is selected in the VoIP composite terminal 100 shown in FIG. Regarding an operation process of processing a payment, those of ordinary skill in the art to which the present invention pertains refer to a process for selective payment processing according to the communication medium identification by referring to and / or modifying the drawing 7. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the VoIP composite terminal 100 shown in FIG. 1 is referred to as "terminal" for convenience.

Referring to FIG. 7, the terminal outputs a plurality of menus including at least one of the payment menu, banking menu, giro payment menu, ticket reservation / advance menu, and electronic money charging menu, and inputs a key provided in the terminal. In operation 700, a payment menu is selected from the plurality of menus.

If the payment menu is selected (705), the terminal checks the first communication medium currently connected to the communication (710), the payment for each communication medium including the first communication medium information in association with the memory unit 130 In operation 715, at least one second communication medium information associated with the first communication medium information is identified in the payment processing information, in operation 715.

Subsequently, the terminal outputs a user interface for selecting payment target second communication medium information among the at least one or more pieces of confirmed second communication medium information (725), and a predetermined payment target second through the user interface. Check whether the communication medium information is selected (730).

If the second payment medium information for payment is selected (735), the terminal switches the operation mode to a payment mode for each communication medium corresponding to the second communication medium information for payment (740).

Here, the payment mode for each communication medium is a device (or server) located in the near field with the VoIP complex terminal 100 via a packet-switched short-range wireless communication medium for the payment request information generated in the VoIP complex terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, a device (or server) located near the VoIP composite terminal 100 through the short range wireless communication medium of the payment request information generated by the VoIP composite terminal 100 through a direct communication method. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, an apparatus (or a server) located at a short distance from the VoIP composite terminal 100 via a packet-switched short-range wired communication medium for payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in which payment request information generated by the VoIP composite terminal 100 is directly communicated. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the payment request information generated by the VoIP composite terminal 100 is transmitted to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a payment mode for processing the payment.

Alternatively, the payment mode for each communication medium may include a payment mode for processing the payment by transmitting payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium. It is preferable to make.

Alternatively, the payment mode for each communication medium may include a payment mode for transmitting the payment request information generated in the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the payment. It is preferable to make.

Thereafter, the terminal connects a communication channel with a device for processing payment, or a server through the payment target second communication medium information (745).

Here, it is preferable that the terminal connects the short-range wireless communication channel for transmitting the payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short-range wireless communication medium in a packet-switched manner. .

Alternatively, the terminal may connect a short range wireless communication channel for transmitting the payment request information to the VoIP composite terminal 100 and a device (or server) located at a short distance through a short range wireless communication medium of a direct communication method. .

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short-range wired communication medium of a packet exchange method. .

Alternatively, the terminal may connect a short distance wired communication channel for transmitting the payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short distance wired communication medium of a direct communication method. .

Alternatively, the terminal may connect an optical communication channel for transmitting the payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the payment request information to a server (or device) on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the payment request information to a server (or device) on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the payment target second communication medium information (750), the terminal outputs a payment interface for each communication medium corresponding to the second communication medium information for payment; In operation 755, it is checked whether payment information, payment security information, and card information are input through the payment interface for each communication medium (760).

If payment information, payment security information, and card information are input through the payment interface for each communication medium (765), the terminal performs the transaction process shown in FIG.

8 is a flowchart illustrating an operation of the VoIP composite terminal 100 for the selective payment processing according to the communication medium identification according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates a card transaction message including payment information from a first communication medium among communication media discovered through the communication medium discovery process shown in FIG. 2 in the VoIP composite terminal 100 shown in FIG. In the case of receiving the information, the operation process of automatically checking through the second communication medium corresponding to the payment information to process the payment, if one of ordinary skill in the art to which the present invention belongs, this figure 8 By referring to and / or modified to the various implementation methods for the process for the selective payment processing according to the communication medium identification can be inferred, the present invention includes all the inferred implementation methods, this figure 8 The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the VoIP composite terminal 100 shown in FIG. 1 will be referred to as "terminal" for convenience.

Referring to FIG. 8, the terminal determines whether a predetermined card transaction message is received from a first communication medium currently connected to a communication medium found through the communication medium searching process shown in FIG.

If a predetermined card transaction message is received from the first communication medium (805), the terminal reads the received card transaction message and checks whether payment information for the payment processing is included (810).

According to an embodiment of the present invention, the payment information included in the card transaction message preferably includes a payment amount and merchant information. PG identification information, payment page URL information, and payment according to the intention of a person skilled in the art. It is preferable that the payment path code information further comprises at least one.

If the payment information is not included in the card transaction message (815), the terminal includes the financial transaction information, giro payment information, ticket reservation / reservation information, electronic money charging information in addition to the payment information. The process of checking whether there is a check is performed (820).

On the other hand, if the payment information is not included in the card transaction message (815), the terminal is linked to the memory unit 130, payment settlement corresponding to the payment information of the payment processing information including the first communication medium information The target second communication medium information is checked (825).

According to an exemplary embodiment of the present disclosure, the terminal may automatically check a wireless communication medium or a wired communication medium to which the terminal is connected among the communication medium information stored in the memory unit 130 as the second communication medium. .

According to another exemplary embodiment of the present invention, when the payment information includes the payment page URL, the terminal accesses the payment page near the terminal among the communication medium information stored in the memory unit 130. (Or a server) a short-range wireless communication medium of a packet-switched method, a short-range wireless communication medium of a direct communication method, a short-range wireless communication medium of a packet-switching method, or a short-range wireless communication medium of a direct communication method, or an optical communication medium for communication with a server (or a server). It is preferable to automatically check any one communication medium as the second communication medium, and even if the payment page URL is included according to the intention of a person skilled in the art, the wireless communication medium to which the terminal is connected, or the wired communication medium to the second communication medium. You may check the media automatically.

According to another exemplary embodiment of the present invention, when the payment information includes the payment path code information, the terminal corresponds to the payment path code information among communication media information stored in the memory unit 130. A wireless communication medium, or a wired communication medium, or a short-range wireless communication medium of a packet-switched method, a short-range wireless communication medium of a direct communication method, a short-range wireless communication medium of a packet-switching method, or a short-range wired communication medium of a direct communication method, or an optical fiber. Preferably, any one of the communication media is automatically identified as the second communication media.

If the second payment medium information for payment corresponding to the payment information is confirmed (830), the terminal establishes a communication channel with an apparatus for processing payment through the second communication medium information for payment, or a server. Connect 835.

Here, it is preferable that the terminal connects the short-range wireless communication channel for transmitting the payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short-range wireless communication medium in a packet-switched manner. .

Alternatively, the terminal may connect a short range wireless communication channel for transmitting the payment request information to the VoIP composite terminal 100 and a device (or server) located at a short distance through a short range wireless communication medium of a direct communication method. .

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short-range wired communication medium of a packet exchange method. .

Alternatively, the terminal may connect a short distance wired communication channel for transmitting the payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short distance wired communication medium of a direct communication method. .

Alternatively, the terminal may connect an optical communication channel for transmitting the payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the payment request information to a server (or device) on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the payment request information to a server (or device) on the communication network through a wireless communication medium.

If a communication channel is connected to the device or the server through the payment target second communication medium information (840), the terminal sets an operation mode to a payment mode for each communication medium corresponding to the payment target second communication medium information. Switch to (840).

Here, the payment mode for each communication medium is a device (or server) located in the near field with the VoIP complex terminal 100 via a packet-switched short-range wireless communication medium for the payment request information generated in the VoIP complex terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, a device (or server) located near the VoIP composite terminal 100 through the short range wireless communication medium of the payment request information generated by the VoIP composite terminal 100 through a direct communication method. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, an apparatus (or a server) located at a short distance from the VoIP composite terminal 100 via a packet-switched short-range wired communication medium for payment request information generated by the VoIP composite terminal 100. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, a device (or a server) located at a short distance with the VoIP composite terminal 100 through a short-range wired communication medium in which payment request information generated by the VoIP composite terminal 100 is directly communicated. It is preferable to include a payment mode for processing the payment by transmitting to.

Alternatively, in the payment mode for each communication medium, the payment request information generated by the VoIP composite terminal 100 is transmitted to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a payment mode for processing the payment.

Alternatively, the payment mode for each communication medium may include a payment mode for processing the payment by transmitting payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium. It is preferable to make.

Alternatively, the payment mode for each communication medium may include a payment mode for transmitting the payment request information generated in the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the payment. It is preferable to make.

Thereafter, the terminal outputs a payment interface for each communication medium corresponding to the second communication medium information for payment (850), and confirms that payment information, payment security information, and card information are input through the payment interface for each communication medium. (855).

If payment information, payment security information, and card information are input through the payment interface for each communication medium (860), the terminal performs the transaction process shown in FIG.

9 illustrates a transaction process for selective payment processing according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates at least one payment information, payment security information, and card information input through a payment processing process shown in FIG. 7 or FIG. 8 in the VoIP composite terminal 100 shown in FIG. The present invention relates to a process of generating payment request information including information and transmitting the same through the second communication medium. Those skilled in the art to which the present invention pertains may refer to and / or modify the communication medium to refer to and / or modify the communication medium. Various implementation methods for the transaction process for the selective payment processing according to the identification may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features only by the implementation method shown in FIG. This is not limited.

In the following, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 9, when payment information, payment security information, and card information are input through the payment settlement process illustrated in FIG. 7 or FIG. 8, the terminal displays the input payment information, payment security information, and card information. In step 900, payment request information that can be transmitted to the second communication medium corresponding to the connected communication channel is generated in the payment processing shown in FIG. 7 or FIG.

If the payment request information is generated (905), the terminal transmits the payment request information through a communication channel corresponding to the second communication medium (910), the first communication medium (eg, through the terminal) Check whether a message including the payment result is received through a connected communication medium or a communication medium receiving a card transaction message or a second communication medium (for example, a communication medium transmitting the payment request information) before payment processing. (915).

If a message including the payment result is received (925), the terminal outputs the payment result included in the received message on the screen (930).

FIG. 10 is a view illustrating an operation process of the VoIP composite terminal 100 for selective financial transaction processing according to communication medium identification according to an embodiment of the present invention.

In more detail, in FIG. 10, when the banking menu is selected in the VoIP composite terminal 100 shown in FIG. 1, the financial medium is determined through a predetermined communication medium among communication media discovered through the communication medium searching process shown in FIG. As an operation process for processing a transaction, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a process for selective financial transaction processing according to the communication medium identification by referring to and / or modifying the drawing 10. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the VoIP composite terminal 100 shown in FIG. 1 will be referred to as "terminal" for convenience.

Referring to FIG. 10, the terminal outputs a plurality of menus including at least one of the payment menu, banking menu, giro payment menu, ticket reservation / advance menu, and electronic money charging menu, and inputs a key provided in the terminal. In operation 1000, the banking menu is selected from the plurality of menus.

If the banking menu is selected (1005), the terminal checks the first communication medium currently connected to the communication (1010), the banking for each communication medium including the first communication medium information in association with the memory unit 130 In operation 1015, the processing information is checked, and at least one or more second communication media information associated with the first communication media information are identified in the banking processing information (1020).

Thereafter, the terminal outputs a user interface for selecting financial communication target second communication medium information among the identified at least one or more second communication medium information (1025), and a predetermined financial transaction target second through the user interface. It is checked whether communication medium information is selected (1030).

If the financial transaction target second communication medium information is selected (1035), the terminal switches the operation mode to a banking mode for each communication medium corresponding to the financial transaction target second communication medium information (1040).

Here, the banking mode for each communication medium is a device (or server) located in the local area and the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for the financial transaction request information generated by the VoIP composite terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP composite terminal 100 through the short range wireless communication medium of the financial transaction request information generated by the VoIP composite terminal 100 in a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a packet switching scheme. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP complex terminal 100 through the short distance wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 in a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a banking mode for processing financial transactions.

Alternatively, the banking mode for each communication medium includes a banking mode in which the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to a server (or device) on the communication network through a wired communication medium to process the financial transaction. It is preferable to make it.

Alternatively, the banking mode for each communication medium includes a banking mode for transmitting the financial transaction request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the financial transaction. It is preferable to make it.

Thereafter, the terminal connects a communication channel with an apparatus for processing a financial transaction or a server through the information on the second communication medium subject to the financial transaction (1045).

Here, it is preferable that the terminal connects the short-range wireless communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and a device (or a server) located in a short distance through a short-range wireless communication medium of a packet switched method. Do.

Alternatively, the terminal may connect a short range wireless communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short range wireless communication medium of a direct communication method. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and a device (or a server) located in a short distance through a short-range wired communication medium of a packet exchange method. Do.

Alternatively, the terminal may connect a short distance wired communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short distance wired communication medium of a direct communication method. Do.

Alternatively, the terminal may connect an optical communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the financial transaction request information to a server (or device) on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the financial transaction request information to a server (or device) on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the financial transaction target second communication medium information (1050), the terminal outputs a financial transaction interface for each communication medium corresponding to the financial communication target second communication medium information. In operation 1055, the financial transaction interface for each communication medium checks whether financial transaction information, financial transaction security information, or card information is input (1060).

If financial transaction information, financial transaction security information, and card information are input through the financial transaction interface for each communication medium (1065), the terminal performs the transaction process shown in FIG.

11 is a diagram illustrating an operation process of the VoIP composite terminal 100 for the selective financial transaction processing according to the communication medium identification according to another embodiment of the present invention.

In more detail, FIG. 11 shows a card transaction including financial transaction information from a first communication medium among communication media discovered through the communication medium discovery process shown in FIG. 3 in the VoIP composite terminal 100 shown in FIG. In the case of receiving a message, the operation process of processing the financial transaction by automatically checking through a second communication medium corresponding to the financial transaction information, and if the person having ordinary knowledge in the technical field to which the present invention belongs, Although various implementation methods for the process for selective financial transaction processing according to the communication medium identification may be inferred by referring to and / or modifying FIG. 11, the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, the VoIP composite terminal 100 shown in FIG. 1 is referred to as "terminal" in FIG.

Referring to FIG. 11, the terminal checks whether a predetermined card transaction message is received from a first communication medium currently connected to a communication medium found through the communication medium searching process shown in FIG. 3 (1100).

If a predetermined card transaction message is received from the first communication medium (1105), the terminal reads the received card transaction message and checks whether the financial transaction information for processing the financial transaction is included (1110).

According to the exemplary embodiment of the present invention, the financial transaction information included in the card transaction message may include at least one transaction amount and a payee account information. PG identification information and a financial transaction page according to the intention of a person skilled in the art Preferably, the URL information and financial transaction path code information are further included.

If the financial transaction information is not included in the card transaction message (1115), the terminal transmits financial transaction information, giro payment information, ticket reservation / booking information, and electronic money charging information in addition to the financial transaction information. The process of checking whether it is included is performed (1120).

On the other hand, if the financial transaction information is not included in the card transaction message (1115), the terminal corresponds to the financial transaction information among the banking processing information including the first communication medium information in association with the memory unit 130. The second communication medium information for financial transaction is confirmed (1125).

According to an exemplary embodiment of the present disclosure, the terminal may automatically check a wireless communication medium or a wired communication medium to which the terminal is connected among the communication medium information stored in the memory unit 130 as the second communication medium. .

According to another exemplary embodiment of the present invention, when the financial transaction information includes the financial transaction page URL, the terminal may access the financial transaction page in the vicinity of the terminal from among communication medium information stored in the memory unit 130. Packet-switched short-range wireless communication medium for direct communication with the connected device (or server), short-range wireless communication medium for direct communication, short-range wired communication medium for packet-switched method, or short-range wired communication medium for direct communication, or optical It is preferable to automatically check any one of the communication media as the second communication media, and even if the financial transaction page URL is included according to the intention of the person skilled in the art, the wireless communication medium or the wired communication medium to which the terminal is connected The second communication medium may be automatically confirmed.

According to another exemplary embodiment of the present invention, when the financial transaction information includes the financial transaction path code information, the terminal is configured to display the financial transaction path code information among the communication medium information stored in the memory unit 130. A corresponding wireless communication medium, or a wired communication medium, or a packet-switched short-range wireless communication medium, a direct-wired short-range wireless communication medium, a packet-switched short-range wired communication medium, or a direct-communication short-range wired communication medium, or Preferably, any one of optical communication media is automatically identified as the second communication media.

If the financial transaction target second communication medium information corresponding to the financial transaction information is confirmed (1130), the terminal is a device for processing the financial transaction via the financial transaction target second communication medium information, or a communication channel with the server (1135).

Here, it is preferable that the terminal connects the short-range wireless communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and a device (or a server) located in a short distance through a short-range wireless communication medium of a packet switched method. Do.

Alternatively, the terminal may connect a short range wireless communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short range wireless communication medium of a direct communication method. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and a device (or a server) located in a short distance through a short-range wired communication medium of a packet exchange method. Do.

Alternatively, the terminal may connect a short distance wired communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short distance wired communication medium of a direct communication method. Do.

Alternatively, the terminal may connect an optical communication channel for transmitting the financial transaction request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the financial transaction request information to a server (or device) on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the financial transaction request information to a server (or device) on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the financial communication target second communication medium information (1140), the terminal sets the operation mode to the banking mode for each communication medium corresponding to the financial communication target second communication medium information. Switch to (1140).

Here, the banking mode for each communication medium is a device (or server) located in the local area and the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for the financial transaction request information generated by the VoIP composite terminal 100. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP composite terminal 100 through the short range wireless communication medium of the financial transaction request information generated by the VoIP composite terminal 100 in a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP complex terminal 100 through the short-range wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 through a packet switching scheme. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, a device (or a server) located at a short distance from the VoIP complex terminal 100 through the short distance wired communication medium of the financial transaction request information generated by the VoIP complex terminal 100 in a direct communication method. It is preferable to include a banking mode for processing the financial transaction by transmitting a).

Alternatively, in the banking mode for each communication medium, the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a banking mode for processing financial transactions.

Alternatively, the banking mode for each communication medium includes a banking mode in which the financial transaction request information generated by the VoIP composite terminal 100 is transmitted to a server (or device) on the communication network through a wired communication medium to process the financial transaction. It is preferable to make it.

Alternatively, the banking mode for each communication medium includes a banking mode for transmitting the financial transaction request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the financial transaction. It is preferable to make it.

Thereafter, the terminal outputs a financial transaction interface for each communication medium corresponding to the second communication medium information for financial transaction (1150), and the financial transaction information, financial transaction security information, and card information through the financial transaction interface for each communication medium. Check whether 1 is input (1155).

If financial transaction information, financial transaction security information, and card information are input through the financial transaction interface for each communication medium (1160), the terminal performs the transaction process shown in FIG.

12 illustrates a transaction process for selective financial transaction processing according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates at least one of financial transaction information, financial transaction security information, and card information input through the financial transaction processing process shown in FIG. 7 or FIG. 8 in the VoIP composite terminal 100 shown in FIG. Regarding a process of generating financial transaction request information including one or more and transmitting the same through the second communication medium, those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods for a transaction process for selective financial transaction processing according to the communication medium identification may be inferred, but the present invention includes all the implementation methods inferred, and only with the implementation method shown in FIG. The technical features are not limited.

12, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal " for convenience.

Referring to FIG. 12, when the financial transaction information, the financial transaction security information, and the card information are input through the financial transaction processing process illustrated in FIG. 10 or FIG. 11, the terminal receives the financial transaction information and the financial transaction security information. And generating financial transaction request information that can be transmitted to the second communication medium corresponding to the connected communication channel in the financial transaction processing process shown in FIG. 10 or 11, including the card information (1200).

If the financial transaction request information is generated (1205), the terminal transmits the financial transaction request information through a communication channel corresponding to the second communication medium (1210), and the first communication medium (eg, the terminal). A message including the financial transaction result through a connected communication medium or a communication medium receiving a card transaction message) or a second communication medium (for example, a communication medium transmitting the financial transaction request information) before the financial transaction processing is performed. Check whether it is received (1215).

If a message including the financial transaction result is received (1225), the terminal outputs the financial transaction result included in the received message on the screen (1230).

FIG. 13 is a diagram illustrating an operation process of the VoIP composite terminal 100 for branch payment processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates a method of selecting a Giro payment menu in the VoIP composite terminal 100 shown in FIG. 1, through a predetermined communication medium among the communication media searched through the communication medium searching process shown in FIG. As a process of processing payment by Giro, if one of ordinary skill in the art to which the present invention pertains, with reference to and / or modifying the drawing 13, selective payment (or financial transaction) according to the communication medium identification It will be able to infer various implementation methods for the process for the giro payment process through, but the present invention comprises all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. No.

Hereinafter, in FIG. 13, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 13, the terminal outputs a plurality of menus including at least one of the payment menu, banking menu, giro payment menu, ticket reservation / advance menu, and electronic money charging menu, and inputs a key provided in the terminal. In operation 1300, it is checked whether a payment menu of the plurality of menus is selected through the means.

If the Jiro payment menu is selected (1305), the terminal checks the first communication medium currently connected to the communication (1310), the communication unit for each communication medium including the first communication medium information in association with the memory unit 130 Check the processing information (1315), and at least one second communication medium information associated with the first communication medium information from the processing information (1320).

Thereafter, the terminal outputs a user interface for selecting the second communication medium information to be paid to the giro payment among the at least one or more pieces of the second communication medium information (1325), and the predetermined second payment target to the second through the user interface. In operation 1330, the communication medium information is selected.

If the second communication medium information to be paid for giro is selected (1335), the terminal switches to the operation mode for each communication medium corresponding to the second communication medium information to be paid to Giro (1340).

In the Jiro mode for each communication medium, a device (or a server) located near the VoIP composite terminal 100 via the short-range wireless communication medium in which the Giro payment request information generated by the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the Jiro mode for each communication medium is a device (or server) located near the VoIP composite terminal 100 via the short-range wireless communication medium in which the giro payment request information generated by the VoIP composite terminal 100 is directly communicated. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the Jiro mode for each communication medium may be a device (or a server) located near the VoIP composite terminal 100 via a short-range wired communication medium in which the giro payment request information generated by the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the communication mode for each media medium is a device (or server) that is located near the VoIP composite terminal 100 via the short-range wired communication medium of the giro payment request information generated by the VoIP composite terminal 100 in a direct communication method. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the telecommunication mode for each communication medium may transmit the payment information for the giro payment generated by the VoIP composite terminal 100 to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include the giro mode which processes a giro payment.

Alternatively, the Jiro mode for each communication medium includes a Jiro mode for transmitting the Jiro payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium to process the Jiro payment. It is preferable to make it.

Alternatively, the Jiro mode for each communication medium includes a Jiro mode for transmitting the Jiro payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the Jiro payment. It is preferable to make it.

Thereafter, the terminal connects a communication channel with an apparatus for processing a giro payment, or a server through the information on the giro payment target second communication medium (1345).

Here, it is preferable that the terminal connects the short-range wireless communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short-range wireless communication medium in a packet switched scheme. Do.

Alternatively, the terminal may connect a short range wireless communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short range wireless communication medium of a direct communication method. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short-range wired communication medium in a packet-switched manner. Do.

Alternatively, the terminal may connect a short distance wired communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short distance wired communication medium of a direct communication method. Do.

Alternatively, the terminal may connect an optical communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and a device (or server) located at a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the branch payment request information to a server (or a device) on the communication network through a wired communication medium.

Or, it is preferable that the terminal connects a wide area communication channel for transmitting the branch payment request information to a server (or a device) on the communication network through a wireless communication medium.

If a communication channel is connected to the apparatus or the server through the information on the target to be paid for giro (1350), the terminal outputs the information to the payment interface for each communication medium corresponding to the information to the target to the second payment to the media. In operation 1360, it is checked whether the payment information, the payment security information, and the card information are input through the payment payment interface for each communication medium (1360).

If Giro payment information, Giro payment security information, and card information are input through the Giro payment interface for each communication medium (1365), the terminal performs the transaction process shown in FIG.

FIG. 14 is a diagram illustrating an operation process of the VoIP composite terminal 100 for branch payment processing through selective payment (or financial transaction) according to a communication medium identification according to another embodiment of the present invention.

In more detail, FIG. 14 illustrates a card transaction including payment information from a first communication medium among communication media discovered through the communication medium discovery process shown in FIG. 4 in the VoIP composite terminal 100 shown in FIG. In the case of receiving a message, the operation process of automatically checking through the second communication medium corresponding to the giro payment information to process the giro payment, if one of ordinary skill in the art to which the present invention belongs, With reference to FIG. 14 and / or modifications, various implementation methods for the process for the payment of the branch through selective payment (or financial transaction) according to the communication medium identification may be inferred, but the present invention is inferred from the above It is made including all the implementation methods, the technical features are not limited only to the implementation method shown in FIG.

In the following, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 14, the terminal checks whether a predetermined card transaction message is received from a first communication medium currently connected to a communication medium found through the communication medium searching process shown in FIG. 4 (1400).

If a predetermined card transaction message is received from the first communication medium (1405), the terminal reads the received card transaction message and checks whether the payment information for giro payment is included (1410).

According to the method of the present invention, the giro payment information included in the card transaction message preferably comprises at least one payment amount. PG identification information, giro payment page URL information, It is preferable to further include at least one or more giro payment path code information.

If the card transaction message does not include the giro payment information (1415), the terminal, in addition to the giro payment information in the card transaction message, giro payment information, giro payment information, ticket reservation / reservation information, electronic money charging information The process of checking whether it is included is performed (1420).

On the other hand, if the card transaction message does not include the giro payment information (1415), the terminal corresponds to the giro payment information of the processing information including the first communication medium information in conjunction with the memory unit 130; In operation 1425, information about the second communication medium to which the payment is made is received.

According to an exemplary embodiment of the present disclosure, the terminal may automatically check a wireless communication medium or a wired communication medium to which the terminal is connected among the communication medium information stored in the memory unit 130 as the second communication medium. .

According to another exemplary embodiment of the present invention, when the giro payment page includes the giro payment page URL, the terminal is located in the giro payment page near the terminal among the communication medium information stored in the memory unit 130. Packet-switched short-range wireless communication medium for direct communication with the connected device (or server), short-range wireless communication medium for direct communication, short-range wired communication medium for packet-switched method, or short-range wired communication medium for direct communication, or optical It is preferable to automatically check any one of communication media as the second communication media, and according to the intention of the person skilled in the art, even if the page payment page URL is included, the wireless communication media connected to the terminal or the wired communication media The second communication medium may be automatically confirmed.

According to another exemplary embodiment of the present invention, when the giro payment path information is included in the giro payment information, the terminal may display information on the giro payment path code information among communication media stored in the memory unit 130. A corresponding wireless communication medium, or a wired communication medium, or a packet-switched short-range wireless communication medium, a direct-wired short-range wireless communication medium, a packet-switched short-range wired communication medium, or a direct-communication short-range wired communication medium, or Preferably, any one of optical communication media is automatically identified as the second communication media.

If the information on the second payment medium corresponding to the zero payment information is confirmed (1430), the terminal is configured to process the payment through the second communication medium information on the zero payment, or a server and a communication channel with the server. (1435).

Here, it is preferable that the terminal connects the short-range wireless communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short-range wireless communication medium in a packet switched scheme. Do.

Alternatively, the terminal may connect a short range wireless communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short range wireless communication medium of a direct communication method. Do.

Alternatively, the terminal may connect a short-range wired communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short-range wired communication medium in a packet-switched manner. Do.

Alternatively, the terminal may connect a short distance wired communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short distance wired communication medium of a direct communication method. Do.

Alternatively, the terminal may connect an optical communication channel for transmitting the branch payment request information to the VoIP composite terminal 100 and a device (or server) located at a short distance through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the branch payment request information to a server (or a device) on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the branch payment request information to a server (or a device) on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the second payment medium information to be paid by Giro (1440), the terminal determines the operation mode according to the communication medium corresponding to the second communication medium information to which the payment is to be made. Switch to (1440).

In the Jiro mode for each communication medium, a device (or a server) located near the VoIP composite terminal 100 via the short-range wireless communication medium in which the Giro payment request information generated by the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the Jiro mode for each communication medium is a device (or server) located near the VoIP composite terminal 100 via the short-range wireless communication medium in which the giro payment request information generated by the VoIP composite terminal 100 is directly communicated. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the Jiro mode for each communication medium may be a device (or a server) located near the VoIP composite terminal 100 via a short-range wired communication medium in which the giro payment request information generated by the VoIP composite terminal 100 is packet-switched. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the communication mode for each media medium is a device (or server) that is located near the VoIP composite terminal 100 via the short-range wired communication medium of the giro payment request information generated by the VoIP composite terminal 100 in a direct communication method. It is preferable to include a giro mode for processing the giro payment by transmitting to).

Alternatively, the telecommunication mode for each communication medium may transmit the payment information for the giro payment generated by the VoIP composite terminal 100 to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. It is preferable to include the giro mode which processes a giro payment.

Alternatively, the Jiro mode for each communication medium includes a Jiro mode for transmitting the Jiro payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium to process the Jiro payment. It is preferable to make it.

Alternatively, the Jiro mode for each communication medium includes a Jiro mode for transmitting the Jiro payment request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the Jiro payment. It is preferable to make it.

Thereafter, the terminal outputs a Jiro payment interface for each communication medium corresponding to the second communication medium information to be paid by Giro (1450), and through the Giro payment interface for each communication medium, giro payment information, giro payment security information, card information Verify that is entered (1455).

If Giro payment information, Giro payment security information, and card information are input through the Giro payment interface for each communication medium (1460), the terminal performs the transaction process shown in FIG.

FIG. 15 is a diagram illustrating a transaction process for processing giro payment through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 15 shows the giro payment information, the giro payment security information, and the card information inputted through the giro payment process shown in FIG. 7 or FIG. 8 in the VoIP composite terminal 100 shown in FIG. The present invention relates to a process of generating giro payment request information including at least one or more, and transmitting the same through the second communication medium. Those skilled in the art may refer to and / or modify the present invention. By using the selective payment (or financial transaction) according to the communication medium can be inferred various implementation methods for the transaction process for the payment process of giro, but the present invention includes all the implementation methods inferred However, the technical features are not limited only to the implementation method illustrated in FIG. 15.

In the following figure 15, the VoIP composite terminal 100 shown in FIG. 1 will be referred to as " terminal "

Referring to FIG. 15, if the terminal payment information, the payment information and the card information are input through the payment processing process illustrated in FIG. 13 or FIG. 14, the terminal receives payment information and payment information. And generating information on the payment request information, which can be transmitted to the second communication medium corresponding to the connected communication channel in the processing of the payment payment method shown in FIG. 13 or 14 (1500).

If the branch payment request information is generated (1505), the terminal transmits the branch payment request information through a communication channel corresponding to the second communication medium (1510) and the first communication medium (eg, the terminal). The message including the result of the payment by Giro through the connected communication medium or the communication medium receiving the card transaction message or the second communication medium (for example, the communication medium transmitting the payment request information) before the payment by Giro is processed. Check if it is received (1515).

If a message including the Jiro payment result is received (1525), the terminal outputs the Jiro payment result included in the received message on the screen (1530).

FIG. 16 is a view illustrating an operation process of the VoIP composite terminal 100 for ticket reservation / advance processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 16 shows a predetermined communication medium among the communication media discovered through the communication medium search process shown in FIG. 5 when the ticket reservation / advance menu is selected in the VoIP terminal 100 shown in FIG. The operation process for processing the ticket reservation / reservation through, and those of ordinary skill in the art to which the present invention belongs, by referring to and / or modifying the Figure 16, selective payment according to the communication medium identification ( Or various implementation methods for the process for ticket reservation / booking process through a financial transaction) can be inferred, but the present invention includes all the implementation methods inferred, and only with the implementation method shown in FIG. The technical features are not limited.

In the following figure 16, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 16, the terminal outputs a plurality of menus including at least one of the payment menu, banking menu, giro payment menu, ticket reservation / advance menu, and electronic money charging menu, and inputs a key provided in the terminal. In operation 1600, a ticket reservation / reservation menu is selected from the plurality of menus.

If the ticket reservation / reservation menu is selected (1605), the terminal checks the first communication medium currently connected to the communication (1610), the communication including the first communication medium information in association with the memory unit 130 The ticket processing information for each medium is checked (1615), and at least one or more second communication media information associated with the first communication medium information is identified (1620) in the ticket processing information.

Thereafter, the terminal outputs a user interface for selecting ticket reservation / reservation target second communication medium information from among the at least one or more pieces of confirmed second communication medium information (1625), and predetermined ticket reservation / In operation 1630, it is checked whether information regarding the second communication medium to be reserved is selected.

If the ticket reservation / reservation target second communication medium information is selected (1635), the terminal switches the operation mode to a ticket mode for each communication medium corresponding to the ticket reservation / reservation target second communication medium information (1640). .

Here, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 via the packet-switched short-range wireless communication medium through the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Or, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 through the short-range wireless communication medium of the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium is a device that locates the ticket reservation / reservation request information generated in the VoIP composite terminal 100 and the VoIP composite terminal 100 in a short distance through a short-range wired communication medium of a packet exchange method ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Or, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 via the short-range wired communication medium of the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium transmits ticket reservation / reservation request information generated by the VoIP composite terminal 100 to an apparatus (or server) located near the VoIP composite terminal 100 via the optical communication medium. It is preferable to include a ticket mode for processing the ticket reservation / reservation.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium to process the ticket reservation / reservation. It is preferable to include a ticket mode.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the ticket reservation / reservation. It is preferable to include a ticket mode.

Thereafter, the terminal connects a communication channel with an apparatus for processing a ticket reservation / reservation or a server through the ticket communication / reservation target second communication medium information (1645).

Here, the terminal connects the short-range wireless communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short-range wireless communication medium of a packet switched method. It is preferable.

Alternatively, the terminal connects a short range wireless communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short range wireless communication medium of a direct communication method. It is preferable.

Alternatively, the terminal connects a short-range wired communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a packet-switched short-range wired communication medium. It is preferable.

Alternatively, the terminal connects a short distance wired communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short distance wired communication medium of a direct communication method. It is preferable.

Or, it is preferable that the terminal connects the optical communication channel for transmitting the ticket reservation / reservation request information to the apparatus (or server) located in the near field and the VoIP composite terminal 100 through the optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a server (or a device) on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a server (or device) on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the ticket reservation / reservation target second communication medium information (1650), the terminal is a ticket for each communication medium corresponding to the ticket information / reservation target second communication medium information The reservation / reservation interface is output (1655) and the ticket reservation / reservation information, ticket reservation / reservation security information, and card information are input through the ticket reservation / reservation interface for each communication medium (1660).

If the ticket reservation / reservation information, ticket reservation / reservation security information, card information is input through the ticket reservation / reservation interface for each communication medium (1665), the terminal performs the transaction process shown in FIG.

FIG. 17 is a flowchart illustrating an operation of the VoIP composite terminal 100 for ticket reservation / reservation processing through selective payment (or financial transaction) according to communication medium identification according to another embodiment of the present invention.

In more detail, FIG. 17 includes ticket reservation / advance information from a first communication medium among communication media discovered through the communication medium discovery process shown in FIG. 5 in the VoIP composite terminal 100 shown in FIG. Receiving a card transaction message, the operation process for processing the ticket reservation / reservation by automatically checking through a second communication medium corresponding to the ticket reservation / reservation information, the general knowledge in the art If the person having the present invention can refer to and / or modify this drawing 17, various implementation methods for the process for ticket reservation / prediction processing through selective payment (or financial transaction) according to the communication medium identification may be inferred. The present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method illustrated in FIG. 17. .

Hereinafter, in FIG. 17, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 17, the terminal checks whether a predetermined card transaction message is received from a first communication medium currently connected to a communication medium found through the communication medium searching process shown in FIG. 5 (1700).

If a predetermined card transaction message is received from the first communication medium (1705), the terminal reads the received card transaction message and checks whether ticket reservation / advance information for the ticket reservation / advance processing is included. (1710).

According to the method of the present invention, the ticket reservation / reservation information included in the card transaction message, preferably comprises at least one or more reservation amount, PG identification information, ticket reservation / reservation page according to the intention of those skilled in the art Preferably, the URL information further includes at least one ticket reservation / reservation path code information.

If the ticket transaction / reservation information is not included in the card transaction message (1715), the terminal in addition to the ticket reservation / reservation information, ticket reservation / reservation information, ticket reservation / reservation information, ticket reservation / In operation 1720, a process of checking whether the reservation information and the electronic money charging information is included is performed.

On the other hand, if the ticket reservation / reservation information is not included in the card transaction message (1715), the terminal in connection with the memory unit 130, the ticket reservation / reservation of the ticket processing information including the first communication medium information The ticket reservation / reservation target second communication medium information corresponding to the information is checked (1725).

According to an exemplary embodiment of the present disclosure, the terminal may automatically check a wireless communication medium or a wired communication medium to which the terminal is connected among the communication medium information stored in the memory unit 130 as the second communication medium. .

According to another exemplary embodiment of the present invention, when the ticket reservation / advance information includes the ticket reservation / advance page URL, the terminal is located near the terminal among the communication medium information stored in the memory unit 130. Packet-switched short-range wireless communication medium, direct-communication short-range wireless communication medium, packet-switched short-range wired communication medium, or direct-communication short distance It is preferable to automatically check any one of a wired communication medium or an optical communication medium as the second communication medium, and wirelessly connected to the terminal even when the ticket reservation / advance page URL is included according to the intention of a person skilled in the art. The communication medium or the wired communication medium may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the ticket reservation / reservation information includes the ticket reservation / reservation path code information, the terminal reserves the ticket among communication medium information stored in the memory unit 130. Wireless communication medium or wired communication medium corresponding to the reservation path code information, or a short-range wireless communication medium of a packet-switched method, a short-range wireless communication medium of a direct communication method, a short-range wireless communication medium of a packet-switched method, or a direct communication method. It is preferable that the communication medium of any one of the short-range wired communication medium or the optical communication medium of the automatic communication with the second communication medium.

If the ticket reservation / reservation target second communication medium information corresponding to the ticket reservation / reservation information is confirmed (1730), the terminal processes the ticket reservation / reservation through the ticket reservation / reservation target second communication media information. The communication channel is connected to the apparatus for communication with the device or the server (1735).

Here, the terminal connects the short-range wireless communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short-range wireless communication medium of a packet switched method. It is preferable.

Alternatively, the terminal connects a short range wireless communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short range wireless communication medium of a direct communication method. It is preferable.

Alternatively, the terminal connects a short-range wired communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a packet-switched short-range wired communication medium. It is preferable.

Alternatively, the terminal connects a short distance wired communication channel for transmitting the ticket reservation / reservation request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short distance wired communication medium of a direct communication method. It is preferable.

Alternatively, the terminal may connect an optical communication channel for transmitting the ticket reservation / reservation request information to an apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a server (or a device) on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the ticket reservation / reservation request information to a server (or device) on the communication network through a wireless communication medium.

If a communication channel is connected to the device or the server through the ticket reservation / reservation target second communication medium information (1740), the terminal sets an operation mode corresponding to the ticket communication / reservation target second communication medium information. Switch to the ticket mode for each medium (1740).

Here, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 via the packet-switched short-range wireless communication medium through the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Or, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 through the short-range wireless communication medium of the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium is a device that locates the ticket reservation / reservation request information generated in the VoIP composite terminal 100 and the VoIP composite terminal 100 in a short distance through a short-range wired communication medium of a packet exchange method ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Or, the ticket mode for each communication medium is a device that is located in close proximity to the VoIP composite terminal 100 via the short-range wired communication medium of the ticket reservation / reservation request information generated in the VoIP composite terminal 100 ( Or a server) and a ticket mode for processing the ticket reservation / advance.

Alternatively, the ticket mode for each communication medium transmits ticket reservation / reservation request information generated by the VoIP composite terminal 100 to an apparatus (or server) located near the VoIP composite terminal 100 via the optical communication medium. It is preferable to include a ticket mode for processing the ticket reservation / reservation.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium to process the ticket reservation / reservation. It is preferable to include a ticket mode.

Alternatively, the ticket mode for each communication medium transmits the ticket reservation / reservation request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium to process the ticket reservation / reservation. It is preferable to include a ticket mode.

Subsequently, the terminal outputs a ticket reservation / reservation interface for each communication medium corresponding to the ticket reservation / reservation target second communication medium information (1750), and ticket reservation / reservation information through the ticket reservation / reservation interface for each communication medium. Check whether the ticket reservation / reservation security information, card information is input (1755).

If the ticket reservation / reservation information, ticket reservation / reservation security information, card information is input through the ticket reservation / reservation interface for each communication medium (1760), the terminal performs the transaction process shown in FIG.

18 is a diagram illustrating a transaction process for ticket reservation / advance processing through selective payment (or financial transaction) according to communication medium identification according to an embodiment of the present invention.

In more detail, Figure 18 shows the ticket reservation / reservation information and ticket reservation / reservation security input through the ticket reservation / booking process shown in Figure 7 or Figure 8 in the VoIP composite terminal 100 shown in Figure 1 The present invention relates to a process of generating ticket reservation / reservation request information including at least one information and card information and transmitting the same through at least one of the second communication media. Reference may be made to 18 and / or modified to infer various implementation methods for the transaction process for ticket reservation / advance processing through selective payment (or financial transaction) in accordance with the communication medium identification. It is made including all the implementation method that is, the technical features are not limited only to the implementation method shown in FIG.

In the following figure 18, the VoIP composite terminal 100 shown in FIG. 1 will be referred to as " terminal "

Referring to FIG. 18, when the terminal receives ticket reservation / advance information, ticket reservation / advance security information, and card information through the ticket reservation / advance processing process shown in FIG. 16 or 17, the input ticket reservation is performed. Ticket reservation / reservation request that can be transmitted to a second communication medium corresponding to the connected communication channel in the ticket reservation / reservation process shown in FIG. 16 or 17, including reservation information, ticket reservation, reservation security information, and card information. Generate information (1800).

If the ticket reservation / reservation request information is generated (1805), the terminal transmits the ticket reservation / reservation request information (1810) through a communication channel corresponding to the second communication medium (1810), the first communication medium ( For example, the communication medium connected before the ticket reservation / reservation processing through the terminal, or a communication medium receiving a card transaction message) or a second communication medium (for example, a communication medium transmitting the ticket reservation / reservation request information). It is checked whether a message including a ticket reservation / advance result is received (1815).

If a message including the ticket reservation / booking result is received (1825), the terminal outputs the ticket reservation / booking result included in the received message on the screen (1830).

19 is a diagram illustrating an operation process of the VoIP composite terminal 100 for electronic money charging processing through selective payment (or financial transaction) according to the communication medium identification according to an embodiment of the present invention.

In more detail, FIG. 19 illustrates a case in which the electronic money charging menu is selected in the VoIP terminal 100 shown in FIG. 1, through a predetermined communication medium among the communication media found through the communication medium searching process shown in FIG. Regarding the operation process of processing the electronic money charging, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 19 to selectively pay (or finance) according to the communication medium identification It will be possible to infer various implementation methods for the process for charging electronic money through the transaction), but the present invention includes all the implementation methods inferred above, the technical features only by the implementation method shown in FIG. This is not limited.

In the following figure 19, the VoIP composite terminal 100 shown in FIG. 1 will be referred to as " terminal "

Referring to FIG. 19, the terminal outputs a plurality of menus including at least one of the payment menu, banking menu, giro payment menu, ticket reservation / advance menu, and electronic money charging menu, and inputs a key provided in the terminal. In operation 1900, the electronic money charging menu is selected from the plurality of menus.

If the electronic money charging menu is selected (1905), the terminal checks the first communication medium currently connected to the communication (1910), and the communication medium including the first communication medium information in association with the memory unit 130. The charging process information is checked (1915), and at least one second communication medium information associated with the first communication medium information is identified in the charging process information (1920).

Thereafter, the terminal outputs a user interface for selecting the electronic communication charging target second communication medium information from among the at least one identified second communication media information (1925), and the predetermined electronic money charging target through the user interface. In operation 1930, the second communication medium information is selected.

If the second communication medium information for charging the electronic money is selected (1935), the terminal switches the operation mode to a charging mode for each communication medium corresponding to the second communication medium information for charging the electronic money (1940).

Here, the charging mode for each communication medium is a device (or device) located near the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for the electronic money charging request information generated by the VoIP complex terminal 100 (or Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium is an apparatus (or device) located near the VoIP complex terminal 100 via the short-range wireless communication medium of the electronic money charging request information generated by the VoIP complex terminal 100 (or a direct communication method). Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium is a device (or device) that is located at a short distance from the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for electronic money charging request information generated by the VoIP complex terminal 100. Server) and a charging mode for processing the electronic money charging.

Or, the charging mode for each communication medium is a device (or device) located near the VoIP composite terminal 100 via the short-range wired communication medium of the electronic money charging request information generated in the VoIP composite terminal 100 (or direct communication method) (or Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium transmits the electronic money charging request information generated by the VoIP composite terminal 100 to an apparatus (or server) located near the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a charging mode for processing the electronic money charging.

Alternatively, in the charging mode for each communication medium, a charging mode for processing the electronic money charging by transmitting the electronic money charging request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium. It is preferable to comprise a.

Alternatively, in the charging mode for each communication medium, a charging mode for processing the electronic money charging by transmitting the electronic money charging request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium. It is preferable to comprise a.

Thereafter, the terminal connects a communication channel with an apparatus for processing electronic money charging or a server through the second communication medium information for charging electronic money (1945).

Herein, the terminal connects the short-range wireless communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short-range wireless communication medium in a packet-switched manner. desirable.

Alternatively, the terminal connects the short-range wireless communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short range wireless communication medium of a direct communication method. desirable.

Alternatively, the terminal connects the short-range wired communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and a device (or server) located in the short-range through a packet-switched short-range wired communication medium. desirable.

Alternatively, the terminal connects the short-range wired communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short-range wired communication medium of a direct communication method. desirable.

Or, it is preferable that the terminal connects the optical communication channel for transmitting the electronic money charging request information to the apparatus (or server) located in the near field and the VoIP composite terminal 100 through an optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the electronic money charging request information to a server (or device) on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the electronic money charging request information to a server (or device) on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the information on the second communication medium for charging the electronic money (1950), the terminal charges the electronic money for each communication medium corresponding to the information on the second communication medium for charging the electronic money. An interface is output (1955), and the electronic money charging information, electronic money charging security information, and card information are input through the electronic money charging interface for each communication medium (1960).

If electronic money charging information, electronic money charging security information, and card information are input through the electronic money charging interface for each communication medium (1965), the terminal performs the transaction process shown in FIG.

20 is a diagram illustrating an operation process of the VoIP composite terminal 100 for electronic money charging processing through selective payment (or financial transaction) according to communication medium identification according to another embodiment of the present invention.

In more detail, FIG. 20 illustrates a card including electronic money charging information from a first communication medium among communication media discovered through the communication medium discovery process shown in FIG. 6 in the VoIP composite terminal 100 shown in FIG. When the transaction message is received, an operation process for automatically checking through the second communication medium corresponding to the electronic money charging information to process the electronic money charging, a person of ordinary skill in the art to which the present invention belongs In this regard, various implementation methods for a process for processing electronic money charging through selective payment (or financial transaction) according to the communication medium identification may be inferred by referring to and / or modifying the present invention. It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 20, the terminal checks whether a predetermined card transaction message is received from a first communication medium currently connected to a communication medium found through the communication medium searching process illustrated in FIG. 6 (2000).

If a predetermined card transaction message is received from the first communication medium (2005), the terminal reads the received card transaction message and checks whether electronic money charging information for the electronic money charging process is included (2010). ).

According to an embodiment of the present invention, the electronic money charging information included in the card transaction message preferably includes at least one charge amount, and according to the intention of the person skilled in the art, the PG identification information and the electronic money charging page URL Preferably, the information further comprises at least one or more electronic money charging path code information.

If the electronic card charging information is not included in the card transaction message (2015), the terminal exchanges the electronic money charging information, electronic money charging information, electronic money charging information, electronic money in addition to the electronic money charging information in the card transaction message. The process of checking whether the charging information is included is performed (2020).

On the other hand, if the electronic money charging information is not included in the card transaction message (2015), the terminal is linked to the electronic money charging information of the charging processing information including the first communication medium information in association with the memory unit 130 In operation 2025, the corresponding electronic money charging target second communication medium information is checked.

According to an exemplary embodiment of the present disclosure, the terminal may automatically check a wireless communication medium or a wired communication medium to which the terminal is connected among the communication medium information stored in the memory unit 130 as the second communication medium. .

According to another exemplary embodiment of the present invention, when the electronic money charging information includes the URL of the electronic money charging page, the terminal is selected from among the communication medium information stored in the memory unit 130 in the vicinity of the terminal. Packet-switched short-range wireless communication medium for direct connection with a device (or server) connected to a money charging page, short-range wireless communication medium for direct communication, near-field wired communication medium for packet-switched communication, or short-range wired communication for direct communication It is preferable to automatically identify a communication medium of any one of a medium and an optical communication medium as the second communication medium, and a wireless communication medium to which the terminal is connected even when the electronic money charging page URL is included according to the intention of a person skilled in the art. Alternatively, the wired communication medium may be automatically confirmed as the second communication medium.

According to another exemplary embodiment of the present invention, when the electronic money charging path code information is included in the electronic money charging information, the terminal of the communication medium information stored in the memory unit 130, the electronic money charging path A wireless communication medium corresponding to code information, or a wired communication medium, or a short-range wireless communication medium in a packet-switched manner, a short-range wireless communication medium in a direct-communication manner, a short-range wireless communication medium in a packet-switched manner, or a short-range wired communication in a direct communication manner. Preferably, the communication medium of any one of a medium and an optical communication medium is automatically identified as the second communication medium.

If the electronic money charging target second communication medium information corresponding to the electronic money charging information is confirmed (2030), the terminal is a device for processing the electronic money charging through the electronic currency charging target second communication medium information, or The server connects the communication channel (2035).

Herein, the terminal connects the short-range wireless communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short-range wireless communication medium in a packet-switched manner. desirable.

Alternatively, the terminal connects the short-range wireless communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short range wireless communication medium of a direct communication method. desirable.

Alternatively, the terminal connects the short-range wired communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and a device (or server) located in the short-range through a packet-switched short-range wired communication medium. desirable.

Alternatively, the terminal connects the short-range wired communication channel for transmitting the electronic money charging request information to the VoIP composite terminal 100 and a device (or server) located in a short distance through a short-range wired communication medium of a direct communication method. desirable.

Or, it is preferable that the terminal connects the optical communication channel for transmitting the electronic money charging request information to the device (or server) located in the local area and the VoIP composite terminal 100 through the optical communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the electronic money charging request information to a server (or device) on the communication network through a wired communication medium.

Alternatively, the terminal may connect a wide area communication channel for transmitting the electronic money charging request information to a server (or device) on the communication network through a wireless communication medium.

If the communication channel is connected to the device or the server through the information on the second communication medium to be charged with the electronic money (2040), the terminal sets an operation mode for each communication medium corresponding to the information on the second communication medium to be charged with the electronic money. Switch to the charging mode (2040).

Here, the charging mode for each communication medium is a device (or device) located near the VoIP complex terminal 100 via the packet-switched short-range wireless communication medium for the electronic money charging request information generated by the VoIP complex terminal 100 (or Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium is an apparatus (or device) located near the VoIP complex terminal 100 via the short-range wireless communication medium of the electronic money charging request information generated by the VoIP complex terminal 100 (or a direct communication method). Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium is a device (or device) that is located at a short distance from the VoIP complex terminal 100 via a packet-switched short-range wired communication medium for electronic money charging request information generated by the VoIP complex terminal 100. Server) and a charging mode for processing the electronic money charging.

Or, the charging mode for each communication medium is a device (or device) located near the VoIP composite terminal 100 via the short-range wired communication medium of the electronic money charging request information generated in the VoIP composite terminal 100 (or direct communication method) (or Server) and a charging mode for processing the electronic money charging.

Alternatively, the charging mode for each communication medium transmits the electronic money charging request information generated by the VoIP composite terminal 100 to an apparatus (or server) located near the VoIP composite terminal 100 through an optical communication medium. It is preferable to include a charging mode for processing the electronic money charging.

Alternatively, in the charging mode for each communication medium, a charging mode for processing the electronic money charging by transmitting the electronic money charging request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wired communication medium. It is preferable to comprise a.

Alternatively, in the charging mode for each communication medium, a charging mode for processing the electronic money charging by transmitting the electronic money charging request information generated by the VoIP composite terminal 100 to a server (or device) on the communication network through a wireless communication medium. It is preferable to comprise a.

Thereafter, the terminal outputs an electronic money charging interface for each communication medium corresponding to the second communication medium information to be charged with the electronic money (2050), and charges electronic money and electronic money through the electronic money charging interface for each communication medium. Check whether the security information and the card information is input (2055).

If electronic money charging information, electronic money charging security information, and card information are input through the electronic money charging interface for each communication medium (2060), the terminal performs the transaction process shown in FIG.

21 is a diagram illustrating a transaction process for electronic money charging processing through selective payment (or financial transaction) according to the communication medium identification in accordance with an embodiment of the present invention.

In more detail, FIG. 21 shows the electronic money charging information, the electronic money charging security information, and the card input through the VoIP processing terminal shown in FIG. 7 or FIG. 8 in the VoIP composite terminal 100 shown in FIG. The present invention relates to a process of generating electronic money charging request information including at least one information and transmitting the same through the second communication medium. Those skilled in the art to which the present invention pertains may refer to FIG. And / or may be modified to infer various implementation methods for a transaction process for electronic money recharge processing through selective payment (or financial transaction) according to the communication medium identification, but the present invention may infer all implementation methods inferred from the above. It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, the VoIP composite terminal 100 shown in FIG. 1 is referred to as " terminal "

Referring to FIG. 21, when the electronic money charging information, the electronic money charging security information, and the card information are input through the electronic money charging process illustrated in FIG. 19 or FIG. 20, the terminal receives the electronic money charging information. The electronic money charging request information including the electronic money charging security information and the card information is generated in the process of processing electronic money charging shown in FIG. 19 or 20 to transmit to the second communication medium corresponding to the connected communication channel (2100). .

If the electronic money charging request information is generated (2105), the terminal transmits the electronic money charging request information through a communication channel corresponding to the second communication medium (2110), and the first communication medium (eg, The result of charging the electronic money through a communication medium connected before the electronic money charging process through the terminal or a communication medium receiving a card transaction message or a second communication medium (for example, a communication medium transmitting the electronic money charging request information). Check whether a message including a message is received (2115).

If a message including the electronic money charging result is received (2125), the terminal outputs the electronic money charging result included in the received message on the screen (2130).

According to the present invention, a plurality of communication media provided in each home (or store or office) are automatically detected by a VoIP terminal providing voice call service, data communication and multimedia service at the same time through an IP-based communication network. By providing a function of automatically selecting a communication medium that can most conveniently and stably use online payment (or non-face-to-face payment) or online financial transaction (or non-face-to-face financial transaction) among the detected communication media, (Or non-face-to-face) There is an advantage in eliminating the inconvenience of information input and information leakage of payment (or financial transactions).

According to the present invention, a plurality of communication media provided in each home (or store or office) are automatically detected by a VoIP terminal providing voice call service, data communication and multimedia service at the same time through an IP-based communication network. A function of automatically selecting an optimal communication medium for interworking with a device (or a server) already provided in the home (or a store or an office) among the detected communication media is provided to separate the device (or server). There is an advantage of fundamentally eliminating the problem of information input inconvenience and information leakage of the online (or non-face to face) payment (or financial transaction) through the VoIP terminal without a device.

Claims (9)

delete delete delete In the VoIP composite terminal having a card reader, which can be connected to a plurality of communication media at the same time, The first communication medium information using the VoIP telephone number as the communication identifier among the simultaneously connectable communication mediums, and supports retransmission of packets other than the first communication medium to process payment (or financial transaction), and encrypted data communication is performed. A memory unit which stores and stores second communication medium information capable of connecting possible communication channels; When payment information (or financial transaction information) is received through the first communication medium, the first communication medium from the memory unit to process payment (or financial transaction) according to the payment information (or financial transaction information). An information checking unit checking second communication medium information associated with the information; And When card information for processing the payment (or financial transaction) is read through the card reader, transaction data information including the payment information (or financial transaction information) and card information is read through the confirmed second communication medium. VoIP composite terminal with a card reader, characterized in that it comprises an information transmitting unit for transmitting. delete delete delete delete The method of claim 4, wherein the payment information (or financial transaction information), And a VoIP reader, which is received in a message corresponding to a message exchange protocol using the VoIP telephone number as a communication identifier.

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