KR200445819Y1 - Adaptive for Communication Medium VoIP Device - Google Patents

Abstract

The present invention relates to a communication medium adaptive VoIP terminal, the communication medium adaptive VoIP terminal according to the present invention, a local area communication unit for processing short-range wireless communication, a wide area communication unit for connecting to a wide area network, a card interface for interfacing with a card reader device An option board having one or more units, an interface unit for interfacing with the option board, a wireless communication unit unit operated by a short range communication unit provided in the option board, and a wide area operated by the wide area communication unit A VoIP terminal comprising a main board having a communication device unit and at least one card reader unit interfaced by the card interface unit, wherein the near field communication unit on the option board has a Bluetooth communication function. Option board check unit to check, and the option board When the Bluetooth communication function is confirmed, the wireless communication control unit for processing to control the wireless communication unit on the main board in the short-range communication unit on the option board, and the wide area communication unit on the option board to control the wide area communication unit on the main board And a card interface controller for controlling the card interface unit on the main board from the card interface unit on the wide area communication controller and the option board, wherein the wide area communication unit and the wide area communication control unit have a VoIP voice call connection function through a wide area network. To provide.

Description

Communication medium adaptive VIO IP terminal {Adaptive for Communication Medium VoIP Device}

The present invention is a local area communication unit for processing short-range wireless communication, a wide area communication unit for connecting to a wide area network, an option board having at least one card interface unit for interfacing with a card reader, and an interface unit for interfacing with the option board And a main wireless communication device unit operated by a short range communication unit provided in the option board, a wide area communication device unit operated by the wide area communication unit, and at least one card reader device unit interfaced by the card interface unit. In a VoIP terminal provided with a main board, an option board checking unit for confirming whether a Bluetooth communication function is provided in the short-range communication unit on the option board, and if the Bluetooth communication function is confirmed in the option board, the option board Main board in the local area communication unit A wireless communication control unit processing to control the wireless communication unit of the control unit, a wide area communication unit on the option board, a wide area communication control unit processing to control the wide area communication unit unit on the main board, and a card interface unit on the option board of the card on the main board. And a card interface controller for controlling the interface of the reader device, wherein the wide area communication device unit and the wide area communication control unit are related to a communication medium adaptive VoIP terminal providing a VoIP voice call connection function through a wide area network.

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 a local area communication unit for processing near field communication, a wide area communication unit for connecting to a wide area network, an option board having at least one card interface unit for interfacing with a card reader device and And an interface unit for interfacing with the option board, the wireless communication unit unit operated by a short range communication unit provided in the option board, the wide area communication unit unit operated by the wide area communication unit, and the card interfaced by the card interface unit. In a VoIP terminal comprising a main board (Main Board) having at least one reader device, the option board check unit for checking whether the short-range communication unit on the option board is equipped with a Bluetooth communication function, and the option board Bluetooth When the communication function is confirmed, the option board A wireless communication control unit for processing the short range communication unit to control the wireless communication unit on the main board, and a wide area communication control unit for processing the wide area communication unit on the main board to control the wide area communication unit on the option board and a card interface on the option board. And a card interface controller for controlling the card reader device on the main board to interface with each other. The wide area communication device unit and the wide area communication control unit may provide an adaptive VoIP terminal for providing a VoIP voice call connection function through a wide area network. In providing.

The communication medium adaptive VoIP terminal according to the present invention includes an option board including at least one local area communication unit for processing short range wireless communication, a wide area communication unit for connecting to a wide area network, and at least one card interface unit for interfacing with a card reader device; And an interface unit for interfacing with the option board, the wireless communication unit unit operated by a short range communication unit provided in the option board, the wide area communication unit unit operated by the wide area communication unit, and the card interfaced by the card interface unit. In a VoIP terminal comprising a main board (Main Board) having at least one reader device, the option board check unit for checking whether the short-range communication unit on the option board is equipped with a Bluetooth communication function, and the option board Bluetooth When the communication function is confirmed, the option board A wireless communication control unit for processing a distance communication unit to control the wireless communication unit on the main board, and a wide area communication control unit for processing the wide area communication unit on the option board to control the wide area communication unit on the main board and the card interface unit on the option board. It characterized in that it comprises a card interface control unit for controlling to interface the card reader device unit on the main board, wherein the wide area communication unit and the wide area communication control unit is characterized in that it provides a VoIP voice call connection function through a wide area network do.

Meanwhile, the communication medium adaptive VoIP terminal according to the present invention includes an option board including at least one local area communication unit for processing short range wireless communication, a wide area communication unit for connecting to a wide area network, and at least one card interface unit for interfacing with a card reader. And a wired communication device unit operated by a short range communication unit provided in the option board, a wide area communication device unit operated by the wide area communication unit, and an interface unit by the card interface unit. In the VoIP terminal comprising a main board (Main Board) having at least one card reader device unit, each option board check unit for checking whether the local communication unit on the option board is equipped with a USB (Universal Serial Bus) communication function When the USB communication function is confirmed on the option board, Wired communication control unit for processing the local area communication unit on the motherboard to control the wired communication device unit on the main board, wide area communication control unit for processing the wide area communication unit on the option board to control the wide area communication device unit on the main board and the card on the option board And a card interface controller for controlling the interface unit to interface with the card reader device on the main board, wherein the wide area communication unit and the wide area communication control unit provide a VoIP voice call connection function through a wide area network. It features.

In the communication medium adaptive VoIP terminal according to the present invention, the option board check unit, characterized in that for confirming whether the Wi-Fi (WiFi) communication function is provided in the short-range communication unit on the option board, the wireless communication control unit, If the Wi-Fi communication function is confirmed on the option board, the short-range communication unit on the option board is characterized in that the processing to control the wireless communication unit on the main board.

In the communication medium adaptive VoIP terminal according to the present invention, the option board check unit, characterized in that the short-range communication unit on the option board is equipped with a UWB (Ultra Wide Band system) communication function, characterized in that the wireless communication control unit When the UWB (Ultra Wide Band system) communication function is confirmed to the option board, the short-range communication unit on the option board is characterized in that the processing to control the wireless communication unit on the main board.

In the communication medium adaptive VoIP terminal according to the present invention, the option board check unit, characterized in that for confirming whether the serial communication function is provided in the short-range communication unit on the option board, the wired communication control unit, When the serial communication function is confirmed, the short-range communication unit on the option board is characterized in that the processing to control the wired communication device unit on the main board.

Communication medium adaptive VoIP terminal according to the present invention, the security application module (SAM) for processing the payment security function through the card information read from the customer card in conjunction with the card reader device unit and the card interface on the option board When provided, the security application module provided on the option board further comprises a security application module control unit for controlling to process the payment security function through the card information.

In the communication medium adaptive VoIP terminal according to the present invention, the option board check unit, whether the wide area communication unit on the option board is equipped with a TCP / IP-based wired communication function, or the HSDPA (wide area communication unit on the option board) High-Speed Downlink Packet Access) -based wireless communication function, or IEEE 802.16.x based wireless communication function is characterized in that it is provided.

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 a preferred embodiment among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the following drawings and description. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intention or custom of a user or an operator. Therefore, the definition should be made based on the general contents of 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 of ordinary skill 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 embodiments will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand the key technical features of the present invention, whereby the present invention It is by no means limited.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are one means for efficiently explaining the technical idea of the present invention to those skilled in the art to which the present invention belongs. 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, referring to and / or modifying this drawing 1, selective payment (or finance) according to option board 121 reading and communication medium identification. Transaction) can be inferred from the configuration of various VoIP composite terminal 100 with a processing function, but the present invention includes all the implementation method inferred, the technical features only by the implementation method shown in FIG. This is not limited.

Referring to FIG. 1, the VoIP terminal 100 for selective payment (or financial transaction) processing according to the reading of the option board 121 and the communication medium is basically a terminal control unit 103 and an option board control unit 120. A memory unit 115, a card reader device 105, a key input unit 110, a screen output unit 107, a sound processor 113, an interface unit for providing an interface function with the option board 121; Preferably, it comprises a power supply unit 117 for supplying power to the VoIP composite terminal 100 provided on the option board 121 through the interface unit, at least one terminal functional unit according to the intention of those skilled in the art It is possible to further include (not shown).

In addition, the VoIP composite terminal 100, in connection with the option board 121 is preferably provided with a wireless communication unit for providing at least one or more communication functions, and a wide area communication unit.

Herein, the wireless communication device unit preferably comprises at least one Bluetooth device unit, a WiFi device unit, and an ultra wide band system (UWB) device unit. The Bluetooth communication function, the WiFi communication function, and the UWB communication function may be provided. It is preferred that it is a hardware device.

The wide area communication device unit may include at least one wide area communication device unit of an IEEE 802.16x standard and a high-speed downlink packet access (HSDPA) standard, and the IEEE 802.16x standard and a high-speed downlink packet (HSDPA). Access) hardware device of the standard is preferred.

The terminal controller 103 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 reads the option board 121 and the option board 121. It is characterized by interworking and controlling at least one component provided in the VoIP composite terminal 100 for a communication medium identification function and a selective payment (or financial transaction) function according to the communication medium identification. At least one processor including a Central Processing Unit (CPU) / Micro Processing Unit (MPU), an execution memory (for example, a register or a random access memory (RAM)), and a bus (BUS) for inputting and outputting predetermined data. In addition, in order to perform a function specific to the VoIP composite terminal 100 in software to load the execution memory from a predetermined recording medium (Loading) And a predetermined program routine (Routine) or program data which are arithmetic and processed by the processor (hence, the communication medium identification function according to the option board 121 reading and the option board 121, and Software can be processed from a predetermined program recorded on a recording medium provided in the VoIP composite terminal 100 or a functional configuration provided in the VoIP composite terminal 100 for a selective payment (or financial transaction) function. The component is characterized in that it is made by being provided in the terminal control unit 103 (or the option board control unit 120).

The option board control unit 120 controls the overall operation of the option board 121 when operating in connection with the option board 121 during the overall operation of the VoIP composite terminal 100 in the functional configuration, VoIP composite terminal 100 ) Manages the flow of information or data between the option board 121 and the option board 121 and the communication medium identification function according to the option board 121 and the selective payment (or financial transaction) according to the communication medium identification. Characterized in that interoperating and controlling at least one or more components provided in the VoIP composite terminal 100 for the function, at least one or more including a hardware (Central Processing Unit) / MPU (Micro Processing Unit) And a bus for inputting and outputting a processor, an execution memory (for example, a register or a random access memory (RAM)) and predetermined data, and the terminal controller 103. One processor and execution memory may be used, or a separate processor and execution memory may be provided.

According to an embodiment of the present invention, the terminal control unit 103 and the option board control unit 120 are provided on the VoIP composite terminal 100 and the option board 121 (for example, the memory unit 115). And a card reader device 105, a key input unit 110, a screen output unit 107, a security application module 170, at least one wireless communication unit 167, a wired communication unit 169, an optical communication unit 180, Alternatively, the terminal function unit (not shown) according to the intention of a person skilled in the art can be controlled to manage and provide the electronic payment service defined in the VoIP composite terminal 100 by interworking with each other, as well as reading and communicating the option board 121. Selective payment (or financial transaction) processing according to the medium identification to control the components provided with the VoIP composite terminal 100 interworking with each other, or the optional board 121 and optional depending on the communication medium identification Payment (or financial transaction) processing For it is preferred to run the program to be recorded in a recording medium provided in the VoIP compound terminal 100.

The memory unit 115 inputs and outputs information when an operation by a predetermined program routine (or code) or program data (eg, a program routine (or code)) for controlling the overall operation of the VoIP composite terminal 100 is performed. Or a general term of non-volatile memory for storing data, and includes at least one storage means including hardware electrically Erasable and Programmable Read Only Memory (EEPROM) or flash memory (FM) or hard disk drive (HDD). In this case, the terminal control unit 103 (or the option board control unit 120) requires a predetermined program routine and program data (eg, a program routine) to perform a predetermined function. Input or output data) is stored, and according to the intention and purpose of those skilled in the art on the memory unit 115 Portion has (e.g., the option board 121 is a program routine and the program data for a function operation on the like) may be provided at the option board 121 is connected on the VoIP compound terminal 100.

According to an embodiment of the present invention, the memory unit 115 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 the implementation method of the present invention, the communication medium is a short-range wireless communication medium, short-range wired communication medium, optical communication medium, which processes the exchange of information (or data) 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 replace (or add) with other communication media, and this invention is not limited.

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 It is possible to do this, and 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 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. By this, the present invention is not limited.

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 thereto.

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 desirable to provide a data communication based on the TCP / IP standard and a VoIP-based voice call based on the data communication. It is possible to replace (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 It is preferable to provide a, and the type of the wired communication medium can be replaced (or added) with another communication medium according to the intention of those skilled in the art, whereby the present invention is not limited.

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 device 105.

Alternatively, when the payment information for the payment processing is input through the key input unit 110, the communication medium switching information may be inputted through the key input unit 110 and the card reader device 105. Preferably, the first communication medium includes second communication medium information for transmitting payment request information including card information read through the second communication medium. The first communication medium to which the VoIP composite terminal 100 is connected before the payment processing is performed. 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 payment related automatic input information may be automatically input (or corrected after automatic input) among information input by the user through the key input unit 110 during a 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 device 105.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 110, the communication medium switching information may be the financial transaction information input through the key input unit 110 and the card reader device unit ( It is preferable that the second communication medium information for transmitting the financial transaction request information including the card information read through the 105), the first communication medium connected to the VoIP composite terminal 100 before the financial transaction processing It is possible to include a communication medium such as the 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 modified after automatic input) among the information input by the user through the key input unit 110 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. And a 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 device 105.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 110, the communication medium switching information is inputted through the key input unit 110 and the card reader device unit ( It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through 105, the first communication medium connected to the VoIP composite terminal 100 before the Jiro payment processing is It is possible to include a communication medium such as the 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 110 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. It is preferable to include at least one or more key data, and further comprising at least one ticket reservation / reservation-related automatic input information for the convenience of information input of the user of the VoIP composite terminal 100 when the ticket reservation / reservation. desirable.

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 Second communication medium information for transmitting ticket reservation / reservation request information including first communication medium information for receiving information, the ticket reservation / reservation information, and card information read through the card reader device 105; It is preferable to comprise.

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 110, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 110 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 device 105. The first communication medium connected before the reservation 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.

In addition, the ticket reservation / reservation-related automatic input information is automatically entered (or after the automatic input of the information input by the user through the key input unit 110, when the ticket reservation / reservation using the VoIP composite terminal 100; 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 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 105. .

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 110, the communication medium switching information is inputted through the key input unit 110 and the electronic money charging information and the card reader device. And a second communication medium information for transmitting the electronic money charging request information including the card information read through the unit 105, wherein the VoIP composite terminal 100 is connected to the first electronic money. The communication 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 modified after automatic input) of the information input by the user through the key input unit 110, 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 Possesses (or owns) a card including at least one contactless IC card (or wireless IC chip) based on the IEC / 14443 standard, and the card reader device 105 is provided with at least one information Alternatively, an interface for reading data may be provided.

According to the implementation method of the present invention, the card reader device 105 is an MS reader device unit for providing an interface between the MS card and the VoIP composite terminal 100, or the contact IC card and the VoIP composite terminal ( 100) a contact IC reader device unit for providing an interface, or a contactless IC reader device unit for providing an interface between the contactless IC card and the VoIP composite terminal 100.

The MS reader device part is a card reader device part 105 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and is formed on the option board 121. The MS card in which predetermined information (e.g., magnetized binary data) is recorded in contact with the magnetic head is moved in a predetermined direction in close contact with the magnetic head (or the magnetic head records predetermined information). When the mobile terminal is in close contact with the MS card, the predetermined information or data is transferred from at least one track provided in the MS of the MS card by using a predetermined electrical signal loaded on the magnetic head. It provides a hardware for interfacing to 100).

The contact IC reader device part is a card reader device part 105 based on ISO / IEC 7816, and at least one contact point that makes electrical contact with a chip on board (COB) provided in the contact IC card. It is made, including, the power supply to the IC chip of the IC card through the contact point in connection with the contact IC interface unit provided on the option board 121, using the APDU (Application Protocol Data Unit) It provides a hardware for interfacing predetermined information or data from the IC chip to the VoIP complex terminal 100 through a half duplex (or full duplex) transaction.

The non-contact IC reader unit is a card reader unit 105 based on ISO / IEC 14443. The non-contact IC reader unit 105 is formed of at least an electrical contact with the non-contact IC card by using capacitive coupling or inductive coupling. It comprises one or more antennas, in conjunction with the contactless IC reader device unit provided on the option board 121 supplies power to the IC chip of the IC card through the antenna, the half-duplex using the APDU It provides a hardware for interfacing predetermined information or data from the IC chip to the VoIP composite terminal 100 through a Duplex (Transplex) type transaction.

The key input unit 110 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 signal) inputted from the key input device in a specific input mode or operation mode of the VoIP composite terminal 100 controlled by the terminal controller 103 (or the option board controller 120). When predetermined information (or a signal) is input from a predetermined key button provided in the terminal, a key event corresponding to the input information (or signal) is generated, and the generated key event is transmitted to the terminal controller 103 (or Option board control unit 120, characterized in that the terminal control unit 103 (or option board control unit 120) to the key event in the current input mode or operation mode of the VoIP composite terminal 100 versus Acquiring predetermined key data corresponding to the corresponding key data or obtaining a command for executing a predetermined function matched with the key event. The key input unit 110 and the key input device having at least one key button interoperate with each other to perform a function of key input means provided in the VoIP composite terminal 100.

The key input device interworking with the key input unit 110 may include a keypad device having at least one numeric key and a function key, or at least one numeric key and a character key (for example, an English character key or a Korean character 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 110 is key data corresponding to the electronic payment service from at least one or more key input devices for the electronic payment service defined in the VoIP composite terminal 100 (eg, payment). It is preferable to perform a function of a key input means for receiving an amount of money, etc., and the option board from the key input device for the selective payment (or financial transaction) processing according to reading the option board 121 and communication medium identification. (121) It is preferable to perform the function of the key input means for receiving at least one or more key data required in the process of providing selective payment (or financial transaction) processing according to the reading and identification of the communication medium.

According to the exemplary embodiment of the present invention, the key input device corresponding to the key input unit 110 reads the option board 121 in the initial mode, the voice call mode, or the data communication mode of the VoIP composite terminal 100. And at least one payment mode for each communication medium for selective payment (or financial transaction) processing according to a communication medium identification, a banking mode for each communication medium, a giro mode for each communication medium, a ticket mode for each communication medium, a charging mode for each communication medium, It is preferable that a key button for switching to the video receiving mode is provided.

The screen output unit 107 is the LCD by the terminal control unit 103 (or option board control unit 120) in the process of the VoIP composite terminal 100 performs a predetermined function (for example, the electronic payment processing function). Outputting at least one or more information or data that is predefined or defined in real time to be output to a predetermined display device including a liquid crystal display or a cathode ray tube (CRT) through a predefined interface screen. The screen output unit 107 and the screen output device interoperate with each other to perform a function of the screen output unit 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 110 or components provided in the VoIP composite terminal 100. Information (or data) stored or generated by the at least one wireless communication unit 167, wired communication unit 169, information (or data) transmitted and received through the optical communication unit 180, 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 107 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 also read and communicate the option board 121 to the screen output device for selective payment (or financial transaction) processing according to the option board 121 reading and communication medium identification. It is preferable to perform the function of the screen output means for outputting the processing screen corresponding to the selective payment (or financial transaction) processing providing step according to the medium identification.

The sound processor 113 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 113 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.

Referring to FIG. 1, the option board 121 to be connected on the VoIP composite terminal 100 for selective payment (or financial transaction) processing according to the reading of the option board 121 and communication medium identification is basically the VoIP composite layer. An interface unit 165 connecting a communication channel between the terminal 100 and the option board 121, a wireless communication unit 167 and a wired communication unit 169 for connecting the VoIP composite terminal 100 to a plurality of communication media. ) And an optical communication unit 180, a card interface unit 173, and at least one security application module 170 (SAM). Not shown).

When the interface unit 165 requires at least one function configuration provided on the option board 121 in the operation process of the VoIP composite terminal 100 according to the function configuration on the VoIP composite terminal 100, the VoIP As providing a communication channel between the composite terminal 100 and the option board 121, it is preferable that the physical connection between the VoIP composite terminal 100 and the option board 121.

According to FIG. 1A having a wireless communication unit 167 including a Bluetooth communication function and an HSDPA (or 802.16x) communication function, the wireless communication unit 167 includes a Bluetooth communication function for short range wireless communication and an HSDPA for wide area wireless communication. (Or 802.16x) characterized in that it comprises a communication function.

The Bluetooth communication function is a communication unit that connects the communication with the Bluetooth wireless communication medium in the VoIP composite terminal 100, and the device (or server) located in the near field with the VoIP composite terminal 100 through a wireless communication channel. (I.e., a Bluetooth communication channel) is directly connected.

The HSDPA (or 802.16x) communication function is a communication unit that connects communication with the wireless communication medium in the VoIP composite terminal 100, and the VoIP composite terminal 100 accesses a wireless communication network including at least one wireless section. In this case, the VoIP composite terminal 100 and the 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, it is preferable that the wide area wireless communication unit 167 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.

According to FIG. 1B including a wireless communication unit including a WiFi communication function and an HSDPA (or 802.16x) communication function, the wireless communication unit 167 includes a WiFi communication function for short range wireless communication and an HSDPA (or 802.16) for wide area wireless communication. x) characterized in that it comprises a communication function.

The WiFi communication function is a communication unit that connects communication with the WiFi wireless communication medium in the VoIP composite terminal 100, and the device (or server) located at a short distance with the VoIP composite terminal 100 through a short range communication channel through a wireless network. (I.e., WiFi communication channel).

The HSDPA (or 802.16x) communication function is a communication unit that connects communication with the wireless communication medium in the VoIP composite terminal 100, and the VoIP composite terminal 100 accesses a wireless communication network including at least one wireless section. In this case, the VoIP composite terminal 100 and the 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, it is preferable that the wide area wireless communication unit 167 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.

According to FIG. 1C having a wired communication unit 169 including a USB communication function and a wireless communication unit including an HSDPA (or 802.16x) communication function, the wired communication unit 169 includes a USB communication function for short-range wired communication; Characterized in that it comprises a HSDPA (or 802.16x) communication function for wide area wireless communication.

The USB communication function is a communication unit that connects communication with the short-range wired communication medium in the VoIP composite terminal 100, and uses a short-range communication channel using a wired connection through the USB hub located at a short distance with the VoIP composite terminal 100. Alternatively, the VoIP composite terminal 100 and a device (or server) located in a short distance may be directly connected to a short distance communication channel using a wire.

According to an embodiment of the present invention, when the near field communication unit 169 directly connects the near field communication channel with the VoIP composite terminal 100 and a device (or server) located in the near field through a wire, the near field communication unit ( 169) preferably comprises at least one USB (Universal Serial Bus) to support a direct communication method, and may further comprise RS-232, 1394, etc. in place of USB communication in accordance with the intention and purpose of those skilled in the art. .

According to FIG. 1D having a wireless communication unit 167 including a Bluetooth communication function and a wired communication unit 169 including a wide area wire communication unit 169, the wired communication unit 169 includes a Bluetooth communication function for short-range wireless communication. , A wide area wire communication unit 169 for wide area wire communication.

The Bluetooth communication function is a communication unit that connects the communication with the Bluetooth wireless communication medium in the VoIP composite terminal 100, and the device (or server) located in the near field with the VoIP composite terminal 100 through a wireless communication channel. (I.e., a Bluetooth communication channel) is directly connected.

The wide area wired communication unit 169 is a communication unit that connects communication with the wired communication medium in the VoIP composite terminal 100, and when the VoIP composite terminal 100 is connected to a wired communication network (or an intelligent network), the VoIP composite terminal 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 the implementation method of the present invention, it is preferable that the wide area wire communication unit 169 provides data communication conforming to the TCP / IP standard and VoIP based voice call based on the data communication.

According to FIG. 1E having a wireless communication unit 167 including a WiFi communication function and a wired communication unit 169 including a wide area wire communication unit 169, the wired communication unit 169 includes a WiFi communication function for short-range wireless communication. , A wide area wire communication unit 169 for wide area wire communication.

The WiFi communication function is a communication unit that connects communication with the WiFi wireless communication medium in the VoIP composite terminal 100, and the device (or server) located at a short distance with the VoIP composite terminal 100 through a short range communication channel through a wireless network. (I.e., WiFi communication channel).

The wide area wired communication unit 169 is a communication unit that connects communication with the wired communication medium in the VoIP composite terminal 100, and when the VoIP composite terminal 100 is connected to a wired communication network (or an intelligent network), the VoIP composite terminal 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 the implementation method of the present invention, it is preferable that the wide area wire communication unit 169 provides data communication conforming to the TCP / IP standard and VoIP based voice call based on the data communication.

According to FIG. 1F having a USB communication function and a wired communication unit 169 including a wide area wire communication unit 169, the wired communication unit 169 has a USB communication function for short-range wired communication and a wide area wired communication unit for wide area wired communication. Characterized in that it comprises a (169).

The USB communication function is a communication unit that connects communication with the short-range wired communication medium in the VoIP composite terminal 100, and uses a short-range communication channel using a wired connection through the USB hub located at a short distance with the VoIP composite terminal 100. Alternatively, the VoIP composite terminal 100 and a device (or server) located in a short distance may be directly connected to a short distance communication channel using a wire.

According to an embodiment of the present invention, when the near field communication unit 169 directly connects the near field communication channel with the VoIP composite terminal 100 and a device (or server) located in the near field through a wire, the near field communication unit ( 169) preferably comprises at least one USB (Universal Serial Bus) to support a direct communication method, and may further comprise RS-232, 1394, etc. in place of USB communication in accordance with the intention and purpose of those skilled in the art. .

The wide area wired communication unit 169 is a communication unit that connects communication with the wired communication medium in the VoIP composite terminal 100, and when the VoIP composite terminal 100 is connected to a wired communication network (or an intelligent network), the VoIP composite terminal 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 the implementation method of the present invention, it is preferable that the wide area wire communication unit 169 provides data communication conforming to the TCP / IP standard and VoIP based voice call based on the data communication.

If a person having ordinary technical knowledge in the technical field to which the present invention belongs, the short-range wireless communication unit 167 including at least one or more of the Bluetooth communication function, WiFi communication function or the like, or the short-range wired communication unit 169 including a USB communication function. Since it will be familiar with the technical features of, the detailed description is omitted for convenience.

In addition, if a person having ordinary technical knowledge in the technical field to which the present invention belongs, the short-range wireless communication unit 167 including at least one or more of the Bluetooth communication function, WiFi communication function, UWB (Ultra Wide Band system) communication unit, RF (Radio Frequency) It may be made by including at least one or more communication unit, whereby the present invention is not limited.

In addition, if a person having ordinary technical knowledge in the technical field to which the present invention belongs, the short-range wired communication unit 169 including the USB communication function is wired to include a hub (or IP router, communication modem), etc. located at a short distance. The wired communication unit 169 may be further included, and the present invention is not limited thereto.

In addition, if a person having ordinary technical knowledge in the technical field to which the present invention belongs, the optical communication unit 180 may be further included in addition to the USB communication for the short-range wireless communication, the present invention is not limited thereto.

Here, the optical communication unit 180 is a communication unit that connects the communication with the optical communication medium in the VoIP composite terminal 100, the device (or server) located near the VoIP composite terminal 100 and the infrared region It is characterized in that the short-range communication channel directly through the optical communication.

According to an embodiment of the present invention, it is preferable that the optical communication unit 180 includes at least one infrared communication complying with an Infrared Data Association (IrDA) standard, and an infrared communication conforming to an Infrared Finance Messaging (IrFM) standard of IrDA. .

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 / Possesses (or owns) a card including at least one contactless IC card (or wireless IC chip) based on the IEC 14443 standard, the card interface unit 173 is provided on the VoIP composite terminal 100 It is characterized in that it provides an interface for reading at least one or more information or data provided in the card in conjunction with the card reader device 105.

According to an embodiment of the present invention, the card interface unit 173 is an MS interface unit for providing an interface between the MS card and the VoIP composite terminal 100, or the contact IC card and the VoIP composite terminal 100. It includes a contact IC interface for providing an interface, or a contactless IC interface for providing an interface between the contactless IC card and the VoIP composite terminal 100.

The MS interface unit is a card interface unit 173 based on ISO / IEC 7810. The MS interface unit 173 includes predetermined information (e.g., in association with an MS reader device unit including at least one magnetic head including a predetermined coil). The magnetic head is moved 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). By using a predetermined electrical signal is loaded into the predetermined information or data from the at least one track (Track) provided in the MS of the MS card, characterized in that for interfacing to the VoIP composite terminal (100).

The contact IC interface unit is a card interface unit 173 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. The half duplex method (or full duplex) uses an APDU (Application Protocol Data Unit) to supply power to the IC chip of the IC card through the contact point, in connection with the contact IC reader unit. Method) to interface the predetermined information or data from the IC chip to the VoIP composite terminal (100).

The non-contact IC interface unit is a card interface unit 173 based on ISO / IEC 14443, and includes at least one or more electrical contacts in contact with the non-contact IC card by using capacitive coupling or inductive coupling. In connection with a contactless IC reader device unit including an antenna, power is supplied to the IC chip of the IC card through the antenna, and predetermined information from the IC chip is performed through the half duplex transaction using an APDU. Alternatively, the data may be interfaced to the VoIP composite terminal 100.

According to the implementation method of the present invention, the card interface unit 173 is connected to at least one or more of the card reader device unit 105 for the electronic payment service defined in the VoIP composite terminal 100, the predetermined card information ( For example, it is preferable to read the payment means information corresponding to the payment means including at least one credit card, check card, debit card, cash card, financial account provided on the card, and also read the option board 121. And reading predetermined card information from at least one or more cards for selective payment (or financial transaction) processing according to the communication medium identification.

According to the implementation method of the present invention, the card information is a card number and expiration date information and card corresponding to the 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 secure application module (SAM) 170 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. Security requirements, including authentication or integrity or nonrepudiation, into a secure and reliable structure within the VoIP composite terminal 100 without using an authentication server (not shown) on the payment network. As a safety device for performing, the VoIP composite terminal 100 encrypts or decrypts a predetermined message (information or data) processed in the process of performing a predetermined security request function (for example, electronic payment or electronic payment function). Key information important in the process of adding an authenticator that prevents forgery (or tampering) of the message or performing the security request function. It characterized in that it performs the function of storing.

In general, the security application module 170 is preferably composed of a predetermined security application module 170 inserter and the security application module 170 chip, the security application module 170 chip has at least 8 bits CPU and memory built-in An Application Specific Integrated Circuit (ASIC) chip (e.g., a PLCC 44-pin chip) or an IC chip (e.g., an IC card in the form of a subscriber identity module (SIM)) with at least 2 MIPS (Million Instructions Per Second) performance It is preferable to comprise a.

In addition, the security application module 170 is at least one or more security application data (eg, at least one identifier, version, expiration date, issue date, code value required for the VoIP composite terminal 100 to perform a predetermined security request function) Etc.) or 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 company / card company) registration protocol , Privilege acquisition protocol, mode switch protocol, key download protocol, SAM revocation protocol) or command (e.g., at least one read / authentication / transmission / registration / setting / mode switch / gather / delete / discard / initialize / reprocess / cancel) Command) is preferably provided.

According to an embodiment of the present invention, the memory of the security application module 170 is short-range wireless communication corresponding to at least one or more communication media that the VoIP composite terminal 100 can be connected to the communication in place of the memory unit 115 A plurality of communication medium information including at least one of media information, short range wireless communication medium information, short distance wired communication medium information, short distance wired communication medium information, optical communication medium information, wired communication medium information, and wireless communication medium information; It is possible to store at least one payment processing information for each communication, 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 media 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 device 105.

Alternatively, when the payment information for the payment processing is input through the key input unit 110, the communication medium switching information may be inputted through the key input unit 110 and the card reader device 105. Preferably, the first communication medium includes second communication medium information for transmitting payment request information including card information read through the second communication medium. The first communication medium to which the VoIP composite terminal 100 is connected before the payment processing is performed. 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 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 device 105.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 110, the communication medium switching information may be the financial transaction information input through the key input unit 110 and the card reader device unit ( It is preferable that the second communication medium information for transmitting the financial transaction request information including the card information read through the 105), the first communication medium connected to the VoIP composite terminal 100 before the financial transaction processing It is possible to include a communication medium such as the 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. And a 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 device 105.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 110, the communication medium switching information is inputted through the key input unit 110 and the card reader device unit ( It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through 105, the first communication medium connected to the VoIP composite terminal 100 before the Jiro payment processing is It is possible to include a communication medium such as the 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 Second communication medium information for transmitting ticket reservation / reservation request information including first communication medium information for receiving information, the ticket reservation / reservation information, and card information read through the card reader device 105; It is preferable to comprise.

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 110, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 110 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 device 105. The first communication medium connected before the reservation 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 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 105. .

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 110, the communication medium switching information is inputted through the key input unit 110 and the electronic money charging information and the card reader device. And a second communication medium information for transmitting the electronic money charging request information including the card information read through the unit 105, wherein the VoIP composite terminal 100 is connected to the first electronic money. The communication 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 among the wireless communication unit 167 and the wired communication unit 169 in a voice call mode (eg, a VoIP system on a communication network (eg, A communication channel connection unit 123 for connecting a communication channel with a VoIP gateway, a VoIP gatekeeper), and performing a call processing procedure for a VoIP-based voice call through the communication channel, when connecting to at least one call terminal, And a voice call processor 147 that provides a voice call service and a call terminal connected to the call through a communication channel.

The VoIP composite terminal 100 shown in FIG. 1 basically provides a VoIP voice call function. For this purpose, the communication channel connection unit 123 may include at least one of the wireless communication unit 167 and the wired communication unit 169. 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 processor 147 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 the call is connected with at least one call terminal, It provides a call terminal and the VoIP-based voice call service to which the call is connected through a communication channel.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the communication channel connection unit 123 and the voice call processing unit 147 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 167 and the wired communication unit 169 in a data communication mode. It comprises a communication channel connection unit 123 for connecting the data communication processing unit 150 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 a VoIP voice call function. For this purpose, the communication channel connection unit 123 may include at least one of the wireless communication unit 167 and the wired communication unit 169. 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 processor 150 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, is received and output through the screen output unit 107.

Those skilled in the art to which the present invention belongs, will be familiar with the technical features of the communication channel connection unit 123 and the data communication processing unit 150 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 167, the wired communication unit 169, and the optical communication unit 180 in close proximity with the VoIP composite terminal 100. Communication medium search unit 152 for connecting at least one or more devices (or servers), or a server (or device) on the communication network to search for at least one or more communication media connectable to the VoIP composite terminal 100 ), When the communication medium searching unit 152 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 145 for storing the ticket processing information for each communication medium and the charging processing information for each communication medium in the memory unit 115.

In order to process the optional payment (or financial transaction) according to the reading of the option board 121 and communication medium identification, the communication medium searching unit 152 is the wireless communication unit in the idle state of the voice call mode or data communication mode. 167, at least one device (or server) located at a short distance from the wired communication unit 169 and the optical communication unit 180 periodically located according to the channel discovery protocol corresponding to each communication unit, Alternatively, at least one communication medium connectable to the VoIP composite terminal 100 may be searched by connecting a communication channel with a server (or a device) on a communication network.

The communication medium searched by the communication medium searching unit 152 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. 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 replace (or add) with other communication media, and this invention is not limited.

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 It is possible to do this, and 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 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. By this, the present invention is not limited.

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 thereto.

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 desirable to provide a data communication based on the TCP / IP standard and a VoIP-based voice call based on the data communication. It is possible to replace (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 It is preferable to provide a, and the type of the wired communication medium can be replaced (or added) with another communication medium according to the intention of those skilled in the art, whereby the present invention is not limited.

Those skilled in the art of the present invention, the wireless communication unit 167, wired communication unit 169, optical communication unit 180 of the technical characteristics 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 searching unit 152, the communication medium information storage unit 145 associates the searched communication medium information with payment processing information for each communication medium and the memory unit 115. (Or security application module 170) is characterized in that the storage.

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 device 105.

Alternatively, when the payment information for the payment processing is input through the key input unit 110, the communication medium switching information may be inputted through the key input unit 110 and the card reader device 105. Preferably, the first communication medium includes second communication medium information for transmitting payment request information including card information read through the second communication medium. The first communication medium to which the VoIP composite terminal 100 is connected before the payment processing is performed. 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.

According to an embodiment of the present invention, the payment processing information for each communication medium is in a state in which the payment processing information for each communication medium is connected to the memory unit 115 (or the security application module 170) via the VoIP composite terminal 100 and is inactivated state. In the case of cooperative processing and storage, the communication medium information storage unit 145 may activate the payment 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 searching unit 152, the communication medium information storage unit 145 associates the searched communication medium information with banking processing information for each communication medium and the memory unit 115. (Or security application module 170) is characterized in that the storage.

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 device 105.

Alternatively, when the financial transaction information for the financial transaction processing is input through the key input unit 110, the communication medium switching information may be the financial transaction information input through the key input unit 110 and the card reader device unit ( It is preferable that the second communication medium information for transmitting the financial transaction request information including the card information read through the 105), the first communication medium connected to the VoIP composite terminal 100 before the financial transaction processing It is possible to include a communication medium such as the 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 embodiment of the present invention, banking processing information for each communication medium is in a state in which the banking processing information for each communication medium is connectable to the memory unit 115 (or the security application module 170) through the VoIP composite terminal 100 and is inactivated. In the case of cooperative processing and storage, the communication medium information storage unit 145 may activate the 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 searching unit 152, the communication medium information storage unit 145 associates the searched communication medium information with processing information for each communication medium to the memory unit 115. (Or security application module 170) is characterized in that the storage.

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. And a 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 device 105.

Alternatively, when the giro payment information for the giro payment processing is input through the key input unit 110, the communication medium switching information is inputted through the key input unit 110 and the card reader device unit ( It is preferable that the second communication medium information for transmitting the giro payment request information including card information read through 105, the first communication medium connected to the VoIP composite terminal 100 before the Jiro payment processing is It is possible to include a communication medium such as the 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 accordance with the implementation method of the present invention, the processing information for each communication medium to the memory unit 115 (or the security application module 170) is a plurality of communication medium information that can be connected through the VoIP composite terminal 100 and inactivated state In the case of cooperative processing and storage, the communication medium information storage unit 145 may activate the 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 searching unit 152, the communication medium information storage unit 145 associates the searched communication medium information with ticket processing information for each communication medium and the memory unit 115. (Or security application module 170) is characterized in that the storage.

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 Second communication medium information for transmitting ticket reservation / reservation request information including first communication medium information for receiving information, the ticket reservation / reservation information, and card information read through the card reader device 105; It is preferable to comprise.

Alternatively, when the ticket reservation / reservation information for the ticket reservation / reservation is input through the key input unit 110, the communication medium switching information is the ticket reservation / reservation information input through the key input unit 110 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 device 105. The first communication medium connected before the reservation 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 the embodiment of the present invention, the ticket processing information for each communication medium is in a state in which the ticket processing information for each communication medium is connected to the memory unit 115 (or the security application module 170) through the VoIP composite terminal 100 and is inactivated state. In the case of cooperative processing and storage, the communication medium information storage unit 145 may activate the ticket 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 searching unit 152, the communication medium information storage unit 145 associates the searched communication medium information with charging processing information for each communication medium and the memory unit 115. (Or security application module 170) is characterized in that the storage.

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 105. .

Alternatively, when the electronic money charging information for charging the electronic money is input through the key input unit 110, the communication medium switching information is inputted through the key input unit 110 and the electronic money charging information and the card reader device. And a second communication medium information for transmitting the electronic money charging request information including the card information read through the unit 105, wherein the VoIP composite terminal 100 is connected to the first electronic money. The communication 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 the implementation method of the present invention, the charging processing information for each communication medium is in a state in which the memory unit 115 (or the security application module 170) is connected to the plurality of communication medium information that can be connected through the VoIP composite terminal 100 and inactivated state. In the case of cooperative processing and storage, the communication medium information storage unit 145 may be configured to activate charging processing information for each communication medium stored in association with the searched communication medium information.

Referring to FIG. 1, the VoIP composite terminal 100 reads the option board 121 when the searched communication medium information is stored in the memory unit 115 by the communication medium information storage unit 145. And the VoIP terminal 100 in connection with at least one of the wireless communication unit 167, the wired communication unit 169, and the optical communication unit 180 for the selective payment (or financial transaction) processing according to the communication medium identification. A communication channel connection unit 123 for connecting a communication channel with a device (or server) located at a short distance to the VoIP composite terminal 100 or with a server (or device) on a communication network according to an operation mode of the VoIP composite terminal 100, and the communication channel connection unit And a communication medium checking unit 151 for identifying a communication medium corresponding to the communication channel connected through 123.

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 123 is a wide area communication of at least one of the wireless communication unit 167 and the wired communication unit 169. The VoIP gateway, or the VoIP gatekeeper on the communication network and the communication channel for the VoIP voice call are connected in connection with the communication unit for processing the communication unit. In this case, the communication medium checking unit 151 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 123 may provide 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. Connect a communication channel, and receive 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 output the web document through the screen output unit 107. In this case, the communication medium checking unit 151 may identify a 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 123 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 151 may be a packet-switched short-range wireless communication medium or a direct communication short-range wireless communication according to a communication medium connecting the short-range communication channel to a 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 Figure 1, for the selective payment according to the communication medium identification according to an embodiment of the present invention, the VoIP composite terminal 100, of the plurality of menus output through the screen output unit 107, When the payment menu is selected through the key input unit 110, the first communication medium (or the VoIP composite terminal 100) identified by the communication medium checking unit 151 in association with the memory unit 115 is presently present. An information checking unit 130 for confirming 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 110 to determine an operation mode of the VoIP composite terminal 100 in the first communication; Media Information and Reminders A mode switching unit 133 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 123 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 110 An interface output unit 135 that receives input and outputs a payment interface for each communication medium receiving card information read from a customer card through the card reader device 105 and the payment information through the payment interface for each communication medium; And an information input unit 137 for inputting and processing payment security 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 107. Outputs a plurality of menus, and when the payment menu is selected from the plurality of menus through the key input unit 110, the information checking unit 130 is the first identified by the communication medium checking unit 151. Identifying 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 media information in association with the memory unit 115; 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 130, the mode switching unit 133 may be connected to the screen output unit 107 to identify 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 110, 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 133, the communication channel connection unit 123 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 123 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 123 may provide a short range wireless 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 wireless communication medium of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 123 connects 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 123 connects 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 of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 123 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 communication channel connection unit 123 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 123 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 through the second communication medium by the communication channel connection unit 123, the interface output unit 135 receives payment information for payment processing through the second communication medium through the key input unit 110. (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 device It characterized in that for outputting the payment interface for each communication medium receiving the card information read from the customer card through the 105.

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 110). Platform OTP, etc.) is preferably included, and preferably comprises a user interface for requesting to read the customer card through the card reader device 105.

If the customer card is an IC card and the card reader device 105 includes an IC reader device, the payment interface for each communication medium may include a password (eg, a personal identification number (PIN) included in the payment security information. It is preferable that further comprises a user interface for checking the validity of the IC card through).

According to another embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 123. 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 135, the information input unit 137 transmits the payment information (eg, payment amount and merchant information) and payment security through the key input unit 110. Characterized in that the information (for example, card password, platform OTP, etc.) input processing.

According to another embodiment of the present invention, a part of the user interface for inputting the payment information (eg, payment amount, merchant information) and payment security information (eg, card password, platform OTP, etc.) to the payment interface for each communication medium is omitted. In this case, the information input unit 137 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 device 105 based on the payment interface for each communication medium, the information input unit 137 may link the card information with the card reader device 105. Characterized in that the input processing.

Referring to FIG. 1, the VoIP composite terminal 100 is connected to the VoIP composite terminal 100 by the communication channel connection unit 123 for selective payment according to a communication medium identification according to another embodiment of the present invention. A message receiving unit 125 for receiving a card transaction message from the connected first communication medium, a message checking unit 127 for checking whether the received card transaction message is included in the payment information, and checking the payment information; Check 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 151, and the memory unit 115 and the memory unit 115. An information confirming unit 130 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; Article A communication channel connection unit 123 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. Mode security unit for switching to a payment mode for each communication medium including the communication medium information and the second communication medium information and payment security for payment processing through the second communication medium through the key input unit 110 An interface output unit 135 for receiving information and outputting a payment interface for each communication medium receiving card information read from a customer card through the card reader device 105 and the payment interface for each communication medium; And an information input unit 137 for inputting and processing payment 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 123, the VoIP composite terminal 100 is defined in the first communication medium. At least one message data is received according to the established message exchange protocol, wherein the message receiver 125 is connected to the message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 123. 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 125, the message checking unit 127 reads the received card transaction message and checks whether payment information is included.

According to the implementation method of the present invention, the payment information contained in the card transaction message, preferably comprises a payment amount, merchant information, PG identification information, payment page URL information, payment according to the intention of those skilled in the art It is preferable that the payment path code information further comprises at least one.

When the message confirming unit 127 confirms that the payment information is included in the card transaction message, the information confirming unit 130 receives the card transaction message in association with the communication medium confirming unit 151. 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 115, 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 130 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 115. 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 130 of the communication medium information stored in the memory unit 115, the VoIP composite terminal 100 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 130 of the communication medium information stored in the memory unit 115, payment payment 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 130, the communication channel connection unit 123 establishes a communication channel for processing the payment through the confirmed second communication medium. It is characterized by connecting.

Here, the communication channel connection unit 123 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 130. It is preferable to connect a short range wireless communication channel for transmitting payment request information.

Alternatively, the communication channel connection unit 123 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 130. It is preferable to connect a short range wireless communication channel for transmitting payment request information.

Alternatively, the communication channel connection unit 123 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through the short-range wired communication medium of the packet exchange method identified by the information checking unit 130. It is preferable to connect a short-range wired communication channel for transmitting the payment request information.

Alternatively, the communication channel connection unit 123 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 130. It is preferable to connect a short-range wired communication channel for transmitting the payment request information.

Alternatively, the communication channel connection unit 123 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 130. It is preferable to connect an optical communication channel.

Alternatively, the communication channel connection unit 123 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 130. Do.

Alternatively, the communication channel connection unit 123 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 identified by the information checking unit 130. Do.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 123, the mode switching unit 133 is a 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 123 is characterized in that the switch to the payment mode for each communication medium containing the communication information connected to the 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 123, the operation mode of the VoIP composite terminal 100 by the mode switching unit 133 corresponding to the second communication medium When the payment mode is switched, the interface output unit 135 inputs payment security information (for example, card password, platform OTP, etc.) for the payment processing through the second communication medium through the key input unit 110. And outputting a payment interface for each communication medium which receives the card information read from the customer card through the card reader device 105.

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 110. It is preferably made, and preferably comprises a user interface for requesting to read the customer card through the card reader device 105.

If the customer card is an IC card and the card reader device 105 includes an IC reader device, the payment interface for each communication medium may include a card 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 of the IC card through)).

According to another embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 123. 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 a user interface for receiving 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 135, the information input unit 137 transmits the payment security information (eg, card password, platform OTP, etc.) through the key input unit 110. 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) to the payment interface for each communication medium is omitted, the information input unit 137 is the omitted user. The input information corresponding to the interface may not be processed, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader device 105 based on the payment interface for each communication medium, the information input unit 137 may link the card information with the card reader device 105. Characterized in that the input processing.

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 140 and the information transmission unit 143 for transmitting the payment request information through a communication channel connected through the second communication medium when generating the payment request information.

When the card information is input and processed through the information input unit 137, and the payment information and the payment security information are input and processed according to an implementation method, the information generating unit 140 processes the input payment information and payment security information and the 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 123 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generation unit 140 may generate 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 in a short distance by the communication channel connection unit 123. When connected, the information generating unit 140 preferably generates payment request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel via 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 123. When connected, the information generation unit 140 preferably generates payment request information transmitted through the short-range wired communication medium of the packet exchange method.

Alternatively, a communication channel through a short-range wired 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 in a short distance by the communication channel connection unit 123. When connected, the information generation unit 140 preferably generates payment request information transmitted through the short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 123 connects a communication channel through an optical communication medium between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or a server) located in a short distance, the information. The generation unit 140 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 connection unit 123 through a wired communication medium, the information generation unit 140 performs 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 123 through a wireless communication medium, the information generation unit 140 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 140, the information transmitter 143 transmits the payment request information through a communication channel connected through the second communication medium.

When the information transmitting unit 143 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 143 preferably transmits the encrypted payment request information through the key data.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of encrypting and transmitting the payment request information through at least one or more encryption keys, so a detailed description thereof will be omitted for convenience. .

After the payment request information is transmitted by the information transmission unit 143, when a payment corresponding to the payment request information is processed, the message receiver including the payment result information is received through the message receiving unit 125. And is output through the screen output unit 107.

Referring to Figure 1, the VoIP composite terminal 100 for selective financial transactions according to the communication medium identification according to an embodiment of the present invention, of the plurality of menus output through the screen output unit 107, When the banking menu is selected through the key input unit 110, the first communication medium (or the VoIP composite terminal 100) identified by the communication medium checking unit 151 in association with the memory unit 115 is presently present. An information checking unit 130 for identifying at least one second communication medium information included in banking processing information including first media information corresponding to the first communication medium connected thereto; and the financial transaction of the second communication medium. Outputs a mode selection interface for selecting a second communication medium to process the second communication medium; Media Information and Reminders A mode switching unit 133 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 a banking mode for each communication medium; Financial transaction information and financial transaction security for the financial transaction processing through the second communication medium through the key input unit 110, when the communication channel connection unit 123 for connecting the channel and the communication channel through the second communication medium, An interface output unit 135 that receives information and outputs a financial transaction interface for each communication medium receiving card information read from a customer card through the card reader device 105, and the financial transaction interface for each communication medium; And an information input unit 137 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 107. Outputs a plurality of menus, and when the banking menu is selected from the plurality of menus through the key input unit 110, the information checking unit 130 is the first confirmed by the communication medium checking unit 151. Identifying 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 media information in association with the memory unit 115; 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 130, the mode switching unit 133 may be connected to the screen output unit 107 to identify 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 selecting a second communication medium to be financial transaction through the key input unit 110, the VoIP 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 mode switching unit 133 switches the operation mode of the VoIP composite terminal 100 to the banking mode for each communication medium, the communication channel connection unit 123 performs 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 123 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 123 is a short-range wireless communication channel for transmitting the financial transaction request information to a device (or server) located in the near field with the VoIP composite terminal 100 through a short-range wireless communication medium of the direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 123 is a short-range wired communication channel for transmitting the financial transaction request information to a device (or server) located in the short-range with the VoIP composite terminal 100 via a packet-switched short-range wired communication medium. It is preferable to connect.

Alternatively, the communication channel connection unit 123 is a short-range wired communication channel for transmitting 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 of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 123 may connect an optical communication channel for transmitting the financial transaction request information to the apparatus (or server) located at a short distance from the VoIP composite terminal 100 through an optical communication medium. .

Alternatively, the communication channel connection unit 123 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 wired communication medium.

Alternatively, the communication channel connection unit 123 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.

When the communication channel is connected through the second communication medium by the communication channel connection unit 123, the interface output unit 135 performs a financial transaction for financial transaction processing through the second communication medium through the key input unit 110. Card information read from a customer card through the card reader device 105 by receiving information (eg, transaction amount, payee account information) and financial transaction security information (eg, card password, account password, platform OTP, etc.). It characterized in that for outputting the financial transaction interface for each communication medium receiving the input.

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 (eg, transaction amount) for the financial transaction processing through the second communication medium through the key input unit 110. , Card password, account password, platform OTP, etc.) is preferably included, and preferably includes a user interface for requesting reading of the customer card through the card reader device 105. .

If the customer card is an IC card and the card reader device 105 includes an IC reader device, the financial transaction interface for each communication medium may include a password (eg, PIN) included in the financial transaction security information. Number)) preferably further comprises a user interface for checking the validity of the IC card.

According to another embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 123. 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.). The present invention is not limited.

After the financial transaction interface for each communication medium is output by the interface output unit 135, the information input unit 137 receives the financial transaction information (eg, transaction amount and payee account information) through the key input unit 110. And financial transaction security information (eg, card password, account password, platform OTP).

According to another embodiment of the present invention, the financial transaction information (for example, transaction amount, payee account information) and financial transaction security information (for example, card password, account password, platform OTP, etc.) are input to the financial transaction interface for each communication medium. When a part of the receiving user interface is omitted, the information input unit 137 may not process 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 device 105 based on the financial transaction interface for each communication medium, the information input unit 137 is linked with the card reader device 105 to provide the card information. Characterized in that the input processing.

Referring to FIG. 1, the VoIP composite terminal 100 is connected to the VoIP composite terminal 100 by the communication channel connection unit 123 for selective financial transactions according to a communication medium identification according to another embodiment of the present invention. A message receiving unit 125 for receiving a card transaction message from the connected first communication medium, a message confirming unit 127 for checking whether the received card transaction message includes financial transaction information, and the financial transaction information; When confirming, 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 151 is checked, and the memory unit 115 is checked. Information confirmation unit 130 for confirming the second communication medium information corresponding to the financial transaction information among the second communication medium information linked to the first communication medium information in connection with the first communication medium information; , Mode of operation of the VoIP composite terminal 100 when the communication channel connection unit 123 connects a communication channel for processing the financial transaction through the second communication medium and the communication channel through the second communication medium. A mode switching unit 133 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 110. An interface output unit 135 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 device 105 and the communication medium; And an information input unit 137 for inputting and processing the financial transaction security information and card information through a separate 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 123, the VoIP composite terminal 100 is defined in the first communication medium. At least one message data is received according to the established message exchange protocol, wherein the message receiver 125 is connected to the message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 123. 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 125, the message checking unit 127 reads the received card transaction message to determine whether financial transaction information is included.

According to the implementation method of the present invention, the financial transaction information included in the card transaction message, preferably comprises at least one or more of the transaction amount and the recipient account information, PG identification information and financial transaction page according to the intention of the skilled person Preferably, the URL information and financial transaction path code information are further included.

When the message confirming unit 127 determines that the financial transaction information is included in the card transaction message, the information confirming unit 130 receives the card transaction message in association with the communication medium confirming unit 151. Identify a first communication medium, identify at least one or more banking processing information including communication medium switching information including first media information in association with the memory unit 115, and include the information in the checked banking processing information; And identifying second communication medium information corresponding to the financial transaction information among the at least one second communication medium information.

According to an exemplary embodiment of the present invention, the information checking unit 130 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 115. 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 confirming unit 130 of the communication medium information stored in the memory unit 115, the VoIP composite terminal 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, if the financial transaction path code information is included in the financial transaction information, the information checking unit 130 of the communication medium information stored in the memory unit 115, the financial 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 for processing the financial transaction is confirmed by the information checking unit 130, the communication channel connection unit 123 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 123 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 130. It is desirable to connect a short range wireless communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 123 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 130. It is desirable to connect a short range wireless communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 123 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through the short-range wired communication medium of the packet exchange method identified by the information checking unit 130. It is preferable to connect a short-range wired communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 123 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 130. It is preferable to connect a short-range wired communication channel for transmitting the financial transaction request information.

Alternatively, the communication channel connection unit 123 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 130. It is desirable to connect the transmitting optical communication channel.

Alternatively, the communication channel connection unit 123 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 identified by the information checking unit 130. desirable.

Alternatively, the communication channel connection unit 123 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 identified by the information checking unit 130. desirable.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 123, the mode switching unit 133 is a 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 with a communication channel by the communication channel connection unit 123.

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 123, the operation mode of the VoIP composite terminal 100 by the mode switching unit 133 corresponding to the second communication medium When switching to the star banking mode, the interface output unit 135 through the key input unit 110, financial transaction security information (for example, card password, account password, platform OTP) for the financial transaction processing through the second communication medium And the like), and outputs a financial transaction interface for each communication medium that receives card information read from a customer card through the card reader device 105.

Here, the financial transaction interface for each communication medium receives the 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 110. 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 device 105.

If the customer card is an IC card and the card reader device 105 includes an IC reader device, the financial transaction interface for each communication medium may include a card password and an account password (eg, a credit card included in the financial transaction security information). It is preferable to further include a user interface for checking the validity of the IC card through a PIN (Personal Identification Number).

According to another embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 123. 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 (eg, 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 135, the information input unit 137 uses the key input unit 110 to provide the financial transaction security information (eg, card password, account password, Platform OTP).

According to another embodiment of the present invention, when the user interface for receiving the financial transaction security information (for example, card password, account password, platform OTP, etc.) is omitted from the financial transaction interface for each communication medium, the information input unit 137. It is not necessary to process the input information corresponding to the omitted user interface, thereby the present invention is not limited.

In addition, when the customer card is read through the card reader device 105 based on the financial transaction interface for each communication medium, the information input unit 137 is linked with the card reader device 105 to provide the card information. Characterized in that the input 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 143 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 list is input and processed through the information input unit 137, and the financial transaction information and the financial transaction security information are input and processed according to an implementation method, the information generation unit 140 performs the input financial transaction information and the financial transaction. And at least one security information and card information to generate financial transaction 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 123 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generation unit 140 preferably generates financial transaction 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 in a short distance by the communication channel connection unit 123. When connected, the information generating unit 140 preferably generates financial transaction request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel via 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 123. When connected, the information generation unit 140 preferably generates financial transaction request information transmitted through the short-range wired communication medium of the packet exchange method.

Alternatively, a communication channel through a short-range wired 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 in a short distance by the communication channel connection unit 123. When connected, the information generating unit 140 preferably generates financial transaction request information transmitted through the short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 123 connects a communication channel through an optical communication medium between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or a server) located in a short distance, the information. The generation unit 140 preferably generates 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 connection unit 123 through a wired communication medium, the information generation unit 140 performs 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 123 through a wireless communication medium, the information generation unit 140 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 140, the information transmission unit 143 transmits the financial transaction request information through a communication channel connected through the second communication medium. .

In the information transmitting unit 143 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 143 preferably transmits the financial transaction request information by encrypting the key data.

Those skilled in the art to which the present invention belongs, will be familiar with the technical features of encrypting and transmitting the financial transaction request information through at least one or more encryption keys, detailed description thereof will be omitted for convenience. do.

After the financial transaction request information is transmitted by the information transmission unit 143, and when a financial transaction corresponding to the financial transaction request information is processed, a messager including the financial transaction result information through the message receiver 125. It is preferably received and output through the screen output unit 107.

Referring to Figure 1, the VoIP composite terminal 100 for the payment through the option board 121 and selective payment (or financial transactions) processing according to the identification of the communication medium according to an embodiment of the present invention, Of the plurality of menus output through the screen output unit 107, if the Giro payment menu is selected through the key input unit 110, in conjunction with the memory unit 115 to the communication medium check unit 151 Identifying at least one or more second communication medium information included in the processing information including first medium information corresponding to the first communication medium (or the first communication medium to which the VoIP composite terminal 100 is currently connected) identified by the Outputs a mode selection interface for selecting a second communication medium to process the Jiro payment among the second communication mediums, and through the key input unit 110, a second communication medium to be paid to the Jiro payment; When selected, award A mode switching unit 133 for switching the operation mode of the VoIP composite terminal 100 to the trough mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information, and to the trough mode for each communication medium; And a communication channel connecting unit 123 connecting a communication channel for processing the branch payment through the selected second communication medium, and a key input unit 110 when connecting a communication channel through a second communication medium. A Giro payment interface for each communication medium that receives Giro payment information and Giro payment security information for the payment process through the second communication medium, and receives the card information read from the customer card through the card reader device 105 Information input for input processing of the giro payment information, giro payment security information, and card information through an interface output unit 135 for outputting and a giro payment interface for each communication medium. It is characterized by comprising a portion 137.

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 107. Outputs a plurality of menus, and when the payout menu is selected among the plurality of menus through the key input unit 110, the information checking unit 130 is configured to be checked by the communication medium checking unit 151. 1 confirming 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 switching the communication medium including the first medium information in association with the memory unit 115. 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 130, the mode switching unit 133 may be connected to the screen output unit 107 to identify 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 a second communication medium to be paid for payment through the key input unit 110, the VoIP terminal 100 of 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 133, the communication channel connection unit 123 transmits the giro 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 123 is a short-range wireless communication channel for transmitting the branch 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 123 transmits the branch payment 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 preferable to connect.

Alternatively, the communication channel connection unit 123 is a short-range wired communication channel for transmitting the branch payment request information to a device (or server) located in the near field with the VoIP composite terminal 100 through a short-range wired communication medium of the packet exchange method. It is preferable to connect.

Alternatively, the communication channel connection unit 123 is a short-range wired communication channel for transmitting 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 of a direct communication method. It is preferable to connect.

Alternatively, the communication channel connection unit 123 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 123 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 123 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 123, the interface output unit 135 is a giro payment unit for processing the payment through the second communication medium via the key input unit 110. To a communication medium for receiving information (eg, payment amount) and giro payment security information (eg, card password, platform OTP, etc.) and receiving card information read from a customer card through the card reader device 105. And outputting a payment interface.

Here, the Jiro payment interface for each communication medium may include Jiro payment information (for example, payment amount) and Jiro payment security information (for example, card password, etc.) for the Jiro payment processing through the second communication medium through the key input unit 110. Platform OTP, etc.) is preferably included, and preferably comprises a user interface for requesting to read the customer card through the card reader device 105.

If the customer card is an IC card and the card reader device 105 includes an IC reader device, the Jiro payment interface for each communication medium may be entered through a password (eg, a PIN) included in the Jiro payment security information. It is preferable to further comprise a user interface for confirming the validity of the IC card.

According to another embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 123. 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 135, the information input unit 137 secures the payment information (for example, the payment amount) and the payment payment through the key input unit 110. Characterized in that the information (for example, card password, platform OTP, etc.) input processing.

According to another 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 137 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 device 105 based on the payload interface for each communication medium, the information input unit 137 is linked with the card reader device 105 to provide the card information. Characterized in that the input processing.

Referring to Figure 1, the VoIP composite terminal 100 for the payment through the option board 121 and selective payment (or financial transactions) processing according to the communication medium identification according to another embodiment of the present invention The message receiving unit 125 receives a card transaction message from a first communication medium to which the VoIP composite terminal 100 is connected by the communication channel connection unit 123, and the card payment message is read. Message confirmation unit 127 to confirm that the included, and the first communication medium (or the first communication medium receiving the card transaction message) confirmed by the communication medium confirmation unit 151 at the time of checking the giro payment information Confirm first communication medium information corresponding to the second communication medium information, and second communication medium information corresponding to the branch payment information among second communication medium information linked to the first communication medium information in association with the memory unit 115; A communication channel connection unit 123 for connecting the information confirmation unit 130 to confirm, the communication channel for processing the branch payment through the identified second communication medium when the second communication medium is checked, and the second communication A mode switching unit 133 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 when the communication channel is connected through a medium; Communication medium receiving the payment information for the payment for the payment through the second communication medium through the key input unit 110, the card information read from the customer card through the card reader device 105 An interface output unit 135 for outputting a separate payment interface and an information input unit 137 for inputting and processing the payment security information and card information through the payment interface for each communication medium; Characterized in that where the lure.

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 123, the VoIP composite terminal 100 is defined in the first communication medium. At least one message data is received according to the established message exchange protocol, wherein the message receiver 125 is connected to the message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 123. Accordingly, it is characterized in that a predetermined card transaction message for giro payment is received through the option board 121 and selective payment (or financial transaction) processing according to communication medium identification.

When a predetermined card transaction message is received by the message receiving unit 125, the message checking unit 127 reads the received card transaction message and checks whether the payment information is included.

According to the implementation 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 it is confirmed by the message confirming unit 127 that the card payment message includes the giro payment information, the information confirming unit 130 receives the card transaction message in association with the communication medium confirming unit 151. Identify a first communication medium, identify at least one geoprocessing information including communication medium switching information including first media information in association with the memory unit 115, 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 130 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 115. 2 It is preferable to check automatically with a communication medium.

According to another exemplary embodiment of the present invention, when the giro payment page includes the giro payment page URL, the information checking unit 130 of the communication medium information stored in the memory unit 115, the VoIP composite terminal 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 130 of the communication medium information stored in the memory unit 115, 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 for processing the giro payment is confirmed by the information checking unit 130, the communication channel connection unit 123 establishes a communication channel for processing the giro payment through the confirmed second communication medium. It is characterized by connecting.

Here, the communication channel connection unit 123 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 130. It is preferable to connect a short range wireless communication channel for transmitting the branch payment request information.

Alternatively, the communication channel connection unit 123 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 130. It is preferable to connect a short range wireless communication channel for transmitting the branch payment request information.

Alternatively, the communication channel connection unit 123 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through the short-range wired communication medium of the packet exchange method identified by the information checking unit 130. It is preferable to connect a short-distance wired communication channel for transmitting giro payment request information.

Alternatively, the communication channel connection unit 123 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 130. It is preferable to connect a short-distance wired communication channel for transmitting giro payment request information.

Alternatively, the communication channel connection unit 123 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 130. It is desirable to connect the transmitting optical communication channel.

Alternatively, the communication channel connection unit 123 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 130. desirable.

Alternatively, the communication channel connection unit 123 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 130. desirable.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 123, the mode switching unit 133 is a 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 123 is characterized in that to switch to the communication mode for each communication medium containing 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 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.

The communication channel connected to the communication channel through the second communication medium by the communication channel connection unit 123, the operation mode of the VoIP composite terminal 100 by the mode switching unit 133 corresponding to the second communication medium When switched to the separate land mode, the interface output unit 135 receives the land security payment information (for example, card password, platform OTP, etc.) for the process of payment through the second communication medium through the key input unit 110. Receiving an input, characterized in that for outputting the payment interface to the communication medium for receiving the card information read from the customer card through the card reader device 105.

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 110. It is preferably made, including a user interface for requesting to read the customer card through the card reader device 105.

If the customer card is an IC card and the card reader device 105 includes an IC reader device, the Jiro payment interface for each communication medium may be entered through a password (eg, a PIN) included in the Jiro payment security information. It is preferable to further comprise a user interface for confirming the validity of the IC card.

According to another embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 123. 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 (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 135, the information input unit 137 via the key input unit 110, the payment security information (for example, card password, platform OTP, etc.) ) Is input processing.

According to another exemplary embodiment of the present invention, when the user interface for receiving the giro payment security information (eg, card password, platform OTP, etc.) is omitted from the giro payment interface for each communication medium, the information input unit 137 is omitted. It is not necessary to process the input information corresponding to the user interface, the present invention is not limited thereby.

In addition, when the customer card is read through the card reader device 105 based on the payload interface for each communication medium, the information input unit 137 is linked with the card reader device 105 to provide the card information. Characterized in that the input 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 143 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 137 and the giro payment information and the giro payment security information are input and processed according to an implementation method, the information generation unit 140 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 123 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generator 140 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 in a short distance by the communication channel connection unit 123. When connected, the information generating unit 140 preferably generates branch payment request information transmitted through a short range wireless communication medium of the direct communication method.

Alternatively, a communication channel via 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 123. When connected, the information generation unit 140 preferably generates branch payment request information transmitted through the short-range wired communication medium of the packet exchange method.

Alternatively, a communication channel through a short-range wired 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 in a short distance by the communication channel connection unit 123. When connected, the information generation unit 140 preferably generates giro payment request information transmitted through the short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 123 connects a communication channel through an optical communication medium between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or a server) located in a short distance, the information. The generation unit 140 preferably generates giro 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 connection unit 123 through a wired communication medium, the information generation unit 140 performs 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 123 through a wireless communication medium, the information generation unit 140 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 generator 140, the information transmitter 143 transmits the branch payment request information through a communication channel connected through the second communication medium. .

When the information transmitter 143 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 transmitter 143 preferably transmits the giro payment request information through the key data.

Those skilled in the art to which the present invention belongs 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 the detailed description thereof will be omitted for convenience. do.

After the giro payment request information is transmitted by the information transmission unit 143, and a giro payment corresponding to the giro payment request information is processed, a message including the giro payment result information through the message receiver 125 It is preferable that the received and output through the screen output unit 107.

Referring to FIG. 1, the VoIP terminal 100 for ticket reservation / reservation through selective payment (or financial transaction) processing according to reading the option board 121 and communication medium identification according to an embodiment of the present invention. If a ticket reservation / booking menu is selected through the key input unit 110 among a plurality of menus output through the screen output unit 107, the communication medium checking unit is connected with the memory unit 115. At least one or more second communications included in ticket processing information including first media information corresponding to the first communication medium (or the first communication medium to which the VoIP composite terminal 100 is currently connected) identified by 151. An information confirming unit 130 for confirming media information, a mode selection interface for selecting a second communication medium to process the ticket reservation / advance among the second communication mediums, and a ticket through the key input unit 110 Reservation / Booking Target A mode switching unit 133 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 when selecting a communication medium; When switching to the ticket mode for each communication medium, the communication channel connecting unit 123 for connecting the communication channel for processing the ticket reservation / reservation through the selected second communication medium, and when connecting the communication channel through the second communication medium, Through the key input unit 110 receives a ticket reservation / reservation information and ticket reservation / reservation security information for the ticket reservation / reservation processing through the second communication medium, the customer card through the card reader device 105 An interface output unit 135 for outputting a ticket reservation / reservation interface for each communication medium receiving card information read from the communication medium; and the ticket reservation / reservation through the ticket reservation / reservation interface for each communication medium. Characterized in that obtained by having a beam and a ticket data input unit 137 for processing reservation / booking enter security 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 107. Outputs a plurality of menus, and if the ticket reservation / booking menu of the plurality of menus is selected through the key input unit 110, the information confirmation unit 130 is confirmed by the communication medium confirmation unit 151 A first medium information corresponding to the first communication medium (or a 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 115; And identifying at least one ticket processing information including the media switching information, and identifying 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 130, the mode switching unit 133 may be connected to the screen output unit 107 to identify 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, and selecting the second communication medium to be reserved for a ticket / reservation through the key input unit 110. 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 133, the communication channel connection unit 123 reserves / reserves a ticket 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 123 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 switching method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 123 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 channels.

Alternatively, the communication channel connection unit 123 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 wired communication medium of a packet exchange method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 123 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 in a direct communication method. It is desirable to connect the communication channels.

Alternatively, the communication channel connection unit 123 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 123 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 123 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 123, the interface output unit 135 performs a ticket reservation / booking process through the second communication medium through the key input unit 110. Receives ticket reservation / reservation information (e.g. reservation amount) and ticket reservation / reservation security information (e.g. card password, platform OTP, etc.), and reads card information read from the customer card through the card reader device 105 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 amount of the reservation) and ticket reservation / reservation for ticket reservation / reservation processing through the second communication medium through the key input unit 110 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 device 105. Do.

If the customer card is an IC card and the card reader device 105 includes an IC reader device, the ticket reservation / reservation interface for each communication medium may include a password (eg, PIN) preferably further comprises a user interface for checking the validity of the IC card.

According to another embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 123. 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.). By this, the present invention is not limited.

After the ticket reservation / reservation interface for each communication medium is output by the interface output unit 135, the information input unit 137 transmits the ticket reservation / reservation information (e.g., the reservation price) through the key input unit 110. And ticket reservation / advance security information (eg, card password, platform OTP, etc.).

According to another 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 137 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 device 105 based on the ticket reservation / booking interface for each communication medium, the information input unit 137 is connected to the card reader device 105 to perform the reading. Characterized in that the card information input processing.

Referring to FIG. 1, the VoIP terminal 100 for ticket reservation / reservation through optional payment (or financial transaction) processing according to reading the option board 121 and communication medium identification according to another embodiment of the present invention. ) Is a message receiving unit 125 for receiving a card transaction message from a first communication medium to which the VoIP composite terminal 100 is connected by the communication channel connection unit 123, and reading the received card transaction message to reserve a ticket. A message confirmation unit 127 for confirming whether the reservation information is included, and a first communication medium (or the card transaction message) confirmed by the communication medium confirmation unit 151 at the time of confirming the ticket reservation / advance information. The first communication medium information corresponding to the first communication medium) and checks the ticket reservation / advance information among the second communication medium information associated with the first communication medium information in association with the memory unit 115. Response A communication channel connecting an information confirming unit 130 for confirming information of the second communication medium and a communication channel for processing the ticket reservation / reservation through the confirmed second communication medium when the second communication medium is confirmed; When the communication unit is connected to the connection unit 123 and the second communication medium, the operation mode of the VoIP composite terminal 100 is switched to a ticket mode for each communication medium including the first communication medium information and the second communication medium information. A mode switch unit 133 and the key input unit 110 to receive ticket reservation / booking security information for ticket reservation / booking processing through the second communication medium, and the card reader device 105 The interface output unit 135 for outputting a ticket reservation / reservation interface for each communication medium that receives the card information read from the customer card through, and the ticket reservation / reservation security information through the ticket reservation / reservation interface for each communication medium And by having an information input unit 137 to input the card information processing 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 123, the VoIP composite terminal 100 is defined in the first communication medium. At least one message data is received according to the established message exchange protocol, wherein the message receiver 125 is connected to the message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 123. Accordingly, it is characterized in that a predetermined card transaction message for ticket reservation / reservation is received through the option board 121 and selective payment (or financial transaction) processing according to communication medium identification.

When a predetermined card transaction message is received by the message receiving unit 125, the message checking unit 127 reads the received card transaction message and checks whether the ticket reservation / advance information is included.

According to the implementation 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 and 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 the message confirming unit 127 confirms that the card transaction message includes the ticket reservation / advance information, the information confirming unit 130 is linked with the communication medium confirming unit 151 to transmit 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 medium information in association with the memory unit 115, 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 130 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 115. 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 130 may include information on communication media stored in the memory unit 115. 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 distance wired communication medium of a direct communication method, or an optical communication medium as the second communication medium, and the ticket reservation / advance page URL according to the intention of a person skilled in the art. 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 embodiment of the present invention, when the ticket reservation / reservation information includes the ticket reservation / reservation path code information, the information check unit 130 is a communication medium information stored in the memory 115 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 confirmation unit 130, the communication channel connection unit 123 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 123 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 130. It is desirable to connect a short range wireless communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 123 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 130. It is desirable to connect a short range wireless communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 123 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through the short-range wired communication medium of the packet exchange method identified by the information checking unit 130. It is desirable to connect a short distance wired communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 123 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 130. It is desirable to connect a short distance wired communication channel for transmitting ticket reservation / reservation request information.

Alternatively, the communication channel connection unit 123 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 130. It is desirable to connect an optical communication channel for transmitting information.

Alternatively, the communication channel connection unit 123 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 130. It is desirable to.

Alternatively, the communication channel connection unit 123 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 130. 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 123, the mode switching unit 133 is a 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 123 is characterized in that the switch to the ticket mode for each communication medium including the communication medium 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 123, the operation mode of the VoIP composite terminal 100 by the mode switching unit 133 corresponding to the second communication medium When the switch to the ticket mode, the interface output unit 135 through the key input unit 110, ticket reservation / reservation security information for ticket reservation / reservation processing through the second communication medium (for example, card password, platform OTP, etc.), and outputs a ticket reservation / reservation interface for each communication medium that receives card information read from a customer card through the card reader device 105.

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 110 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 device 105.

If the customer card is an IC card and the card reader device 105 includes an IC reader device, the ticket reservation / reservation interface for each communication medium may include a password (eg, PIN) preferably further comprises a user interface for checking the validity of the IC card.

According to another embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 123. 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 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 / reservation interface for each communication medium is output by the interface output unit 135, the information input unit 137 transmits the ticket reservation / reservation security information (eg, a card password) through the key input unit 110. , Platform OTP, etc.).

According to another embodiment of the present invention, when the user interface for receiving the ticket reservation / reservation security information (for example, card password, platform OTP, etc.) to the ticket reservation / reservation interface for each communication medium is omitted, the information input unit 137 ) 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 device 105 based on the ticket reservation / booking interface for each communication medium, the information input unit 137 is connected to the card reader device 105 to perform the reading. Characterized in that the card information 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 140 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. 143 is provided.

When the card information is input and processed through the information input unit 137 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 140 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 123 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generation unit 140 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 in a short distance by the communication channel connection unit 123. When connected, the information generation unit 140 may generate ticket reservation / reservation request information transmitted through the short range wireless communication medium of the direct communication method.

Alternatively, a communication channel via 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 123. When connected, the information generator 140 may generate ticket reservation / reservation request information transmitted through the short-range wired communication medium of the packet exchange method.

Alternatively, a communication channel through a short-range wired 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 in a short distance by the communication channel connection unit 123. When connected, the information generation unit 140 may generate ticket reservation / reservation request information transmitted through the short-distance wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 123 connects a communication channel through an optical communication medium between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or a server) located in a short distance, the information. The generation unit 140 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 connection unit 123 through a wired communication medium, the information generation unit 140 performs 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 123 through a wireless communication medium, the information generation unit 140 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 140, the information transmission unit 143 transmits the ticket reservation / reservation request information through a communication channel connected through the second communication medium. It is characterized by.

The information transmitter 143 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 143 preferably transmits the ticket reservation / reservation request information by encrypting the key data.

Those skilled in the art to which the present invention belongs, will be familiar with the technical features of encrypting and transmitting the ticket reservation / reservation request information through at least one encryption key, detailed description thereof is omitted for convenience. Let's do it.

After the ticket reservation / reservation request information is transmitted by the information transmission unit 143, and when the ticket reservation / reservation corresponding to the ticket reservation / reservation request information is processed, the ticket reservation is performed through the message receiver 125. It is preferable that a message including the reservation result information is received and output through the screen output unit 107.

Referring to Figure 1, the VoIP composite terminal 100 for charging the electronic money through the optional payment (or financial transaction) processing according to the reading option board 121 and communication medium identification according to an embodiment of the present invention When the electronic money charging menu is selected through the key input unit 110 among a plurality of menus output through the screen output unit 107, the communication medium checking unit 151 is connected to the memory unit 115. At least one or more second communication medium information included in the charging processing information including first medium information corresponding to the first communication medium (or the first communication medium to which the VoIP composite terminal 100 is currently connected) identified by Outputs a mode selection interface for selecting a second communication medium to process the electronic money charging of the information communication unit 130 for confirming the information, and the electronic money charging target through the key input unit 110; 2nd When the communication medium is selected, the mode switching unit 133 for switching the operation mode of the VoIP composite terminal 100 to the charging mode for each communication medium corresponding to the first communication medium information and the selected second communication medium information, and communication When switching to a charging mode for each medium, a communication channel connecting unit 123 for connecting a communication channel for processing the electronic money charging through the selected second communication medium, and the key when connecting a communication channel through a second communication medium, Receives electronic money charging information and electronic money charging security information for the electronic money charging processing through the second communication medium through the input unit 110, the card information read from the customer card through the card reader device 105 An interface output unit 135 for outputting an electronic money charging interface for each communication medium receiving the communication medium and the electronic money charging information and the electronic money through the electronic money charging interface for each communication medium; And an information input unit 137 for inputting magnetic money charging security 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 107. Outputs a plurality of menus, and when the electronic money charging menu is selected from the plurality of menus through the key input unit 110, the information checking unit 130 is checked by the communication medium checking unit 151. A first communication medium corresponding to a first communication medium (or a first communication medium to which the VoIP composite terminal 100 is currently connected), and a communication medium including first medium information in association with the memory unit 115; 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 130, the mode switching unit 133 may be connected to the screen output unit 107 to identify 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. When selecting a second communication medium to be charged with electronic money through the key input unit 110, 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, 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.

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 133, the communication channel connection unit 123 requests the charging of 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 123 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-range wireless communication medium of a packet switched method. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 123 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 channels.

Alternatively, the communication channel connection unit 123 is a short-range wired communication for transmitting the electronic money charging request information to a device (or server) located in the short-range with the VoIP composite terminal 100 through a short-range wired communication medium of the packet exchange method It is desirable to connect the channels.

Alternatively, the communication channel connection unit 123 is a short-range wired communication for transmitting the electronic money charging request information to a device (or server) located in the short distance with the VoIP composite terminal 100 through a short-range wired communication medium of the direct communication method. It is desirable to connect the channels.

Alternatively, the communication channel connection unit 123 may connect an optical communication channel for transmitting the electronic money charging request information to the apparatus (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 123 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 123 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 through the second communication medium by the communication channel connection unit 123, the interface output unit 135 uses the key input unit 110 to perform electronic money charging processing through the second communication medium. Communication for receiving money charging information (eg, charge amount) and electronic money charging security information (eg, card password, platform OTP, etc.) and reading card information read from a customer card through the card reader device 105. The electronic money charging interface for each medium is output.

Here, the electronic money charging interface for each communication medium may include electronic money charging information (for example, charging amount) and electronic money charging security information (for example, charging amount) for the electronic money charging process through the key input unit 110 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 device 105.

If the customer card is an IC card and the card reader device 105 includes an IC reader device, the electronic money charging interface for each communication medium may include a password (eg, a PIN) included in the electronic money charging security information. Preferably through the user interface to confirm the validity of the IC card through.

According to another embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 123. 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 (eg, amount of money charged) and electronic money charging security information (eg, 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 135, the information input unit 137 transmits the electronic money charging information (eg, a charged amount) and the electronic value through the key input unit 110. Characterized in that the input charging security information (for example, card password, platform OTP).

According to another embodiment of the present invention of the user interface for receiving the electronic money charging information (for example, the amount of charge) and electronic money charging security information (for example, card password, platform OTP, etc.) to the electronic money charging interface for each communication medium If a part is omitted, the information input unit 137 may not process 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 device 105 based on the electronic money charging interface for each communication medium, the information input unit 137 is connected to the card reader device 105 to the card. Characterized in that the input processing.

Referring to Figure 1, the VoIP composite terminal 100 for charging electronic money through the optional payment (or financial transaction) processing according to the reading option board 121 and communication medium identification according to another embodiment of the present invention Is a message receiving unit 125 for receiving a card transaction message from a first communication medium to which the VoIP composite terminal 100 is connected by the communication channel connection unit 123, and reading the received card transaction message to charge electronic money. Message confirmation unit 127 for confirming that the information is included, and the first communication medium (or the first received the card transaction message) confirmed by the communication medium confirmation unit 151 when the electronic money charging information is confirmed Communication information corresponding to the first electronic communication device and check the first communication medium information corresponding to the electronic money charging information among the second communication medium information linked to the first communication medium information in association with the memory unit 115. Communication channel connection unit for connecting the communication information for processing the electronic money charging through the confirmed second communication medium, the information confirmation unit 130 for confirming the second communication medium information and the second communication medium ( 123) and a mode 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 when the communication channel is connected through the second communication medium. Receiving electronic money charging security information for the electronic money charging processing through the second communication medium through the switching unit 133, the key input unit 110, from the customer card through the card reader device 105 The interface output unit 135 outputs an electronic money charging interface for each communication medium receiving the read card information, and the electronic money charging security information and the car through the electronic money charging interface for each communication medium. And an information input unit 137 for inputting the processing information characterized in that formed.

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 123, the VoIP composite terminal 100 is defined in the first communication medium. At least one message data is received according to the established message exchange protocol, wherein the message receiver 125 is connected to the message exchange protocol corresponding to the first communication medium from the first communication medium connected by the communication channel connection unit 123. Accordingly, the predetermined board transaction message for charging electronic money through the option board 121 and selective payment (or financial transaction) processing according to communication medium identification is received.

When a predetermined card transaction message is received by the message receiving unit 125, the message checking unit 127 reads the received card transaction message and checks whether the electronic money charging information is included.

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

When it is confirmed by the message confirming unit 127 that the electronic money charging information is included in the card transaction message, the information confirming unit 130 connects the card transaction message in association with the communication medium confirming unit 151. 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 115, 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 130 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 115. 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 130 of the communication medium information stored in the memory unit 115, the VoIP 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 embodiment of the present invention, if the electronic money charging path code information is included in the electronic money charging information, the information check unit 130 of the communication medium information stored in the memory unit 115, 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 for processing the electronic money charging is confirmed by the information checking unit 130, the communication channel connection unit 123 communicates for processing the electronic money charging through the identified second communication medium. It is characterized by connecting the channel.

Here, the communication channel connection unit 123 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 130. 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 123 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 130. 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 123 may be a device (or server) located in close proximity to the VoIP composite terminal 100 through the short-range wired communication medium of the packet exchange method identified by the information checking unit 130. 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 123 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 130. 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 123 transmits the electronic money charging request information to a device (or a server) located in close proximity to the VoIP composite terminal 100 through the optical communication medium identified by the information checking unit 130. It is preferable to connect the optical communication channel for transmitting the.

Alternatively, the communication channel connection unit 123 connects a wide area communication channel for transmitting the electronic money charging request information to a server (or a device) on the communication network through a wired communication medium identified by the information checking unit 130. It is preferable.

Alternatively, the communication channel connection unit 123 connects a wide area communication channel for transmitting the electronic money charging request information to a server (or a device) on the communication network through a wireless communication medium identified by the information checking unit 130. It is preferable.

When the communication channel is connected to the communication channel through the second communication medium by the communication channel connection unit 123, the mode switching unit 133 is a 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 information on a second communication medium connected with the communication channel by the communication channel connection unit 123.

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 123, the operation mode of the VoIP composite terminal 100 by the mode switching unit 133 corresponding to the second communication medium When the charging mode is switched, the interface output unit 135 uses electronic key charging security information (eg, card password, platform OTP, etc.) for the electronic money charging process through the key input unit 110. ), And outputs an electronic money charging interface for each communication medium that receives card information read from a customer card through the card reader device 105.

Here, the electronic money charging interface for each communication medium receives electronic money charging security information (for example, card password, platform OTP, etc.) for charging electronic money through the second communication medium through the key input unit 110. 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 device 105.

If the customer card is an IC card and the card reader device 105 includes an IC reader device, the electronic money charging interface for each communication medium may include a password (eg, a PIN) included in the electronic money charging security information. Preferably through the user interface to confirm the validity of the IC card through.

According to another embodiment of the present invention, a device (or server) and a short range wireless communication channel, or a short distance wired communication channel, or an optical communication channel which are located at a short distance from the VoIP composite terminal 100 by the communication channel connection unit 123. 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 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 135, the information input unit 137 uses the key input unit 110 to secure the electronic money charging security information (eg, card password, platform). OTP, etc.).

According to another embodiment of the present invention, if the user interface for receiving the electronic money charging security information (for example, card password, platform OTP, etc.) to the electronic money charging interface for each communication medium is omitted, the information input unit 137 is The information corresponding to the omitted user interface may not be inputly processed, and the present invention is not limited thereto.

In addition, when the customer card is read through the card reader device 105 based on the electronic money charging interface for each communication medium, the information input unit 137 is connected to the card reader device 105 to the card. 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 143 for generating information and an information transmitter 143 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 137, and the electronic money charging information and the electronic money charging security information are input and processed according to an implementation method, the information generating unit 140 processes 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 123 according to an embodiment of the present invention. When the communication channel is connected through a medium, the information generation unit 140 may generate 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 in a short distance by the communication channel connection unit 123. When connected, the information generation unit 140 preferably generates electronic money charging request information transmitted through the short range wireless communication medium.

Alternatively, a communication channel via 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 123. When connected, the information generation unit 140 preferably generates electronic money charging request information transmitted through the short-range wired communication medium of the packet exchange method.

Alternatively, a communication channel through a short-range wired 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 in a short distance by the communication channel connection unit 123. When connected, the information generating unit 140 preferably generates electronic money charging request information transmitted through the short-range wired communication medium of the direct communication method.

Alternatively, when the communication channel connection unit 123 connects a communication channel through an optical communication medium between the VoIP composite terminal 100 and the VoIP composite terminal 100 and a device (or a server) located in a short distance, the information. The generation unit 140 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 connection unit 123 through a wired communication medium, the information generation unit 140 performs 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 123 through a wireless communication medium, the information generation unit 140 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 generator 140, the information transmitter 143 transmits the electronic money charging request information through a communication channel connected through the second communication medium. It is done.

When the information transmitter 143 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 143 preferably transmits the electronic money charging request information by encrypting the key data.

Those skilled in the art to which the present invention belongs, 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, a detailed description thereof will be omitted for convenience. Shall be.

After the electronic money charging request information is transmitted by the information transmitter 143, and the electronic money charging corresponding to the electronic money charging request information is processed, the electronic money charging result information through the message receiver 125 Preferably, a message including a received message is output through the screen output unit 107.

Referring to Figure 1, the VoIP composite terminal 100 for charging the electronic money through the option board 121 according to the implementation method of the present invention and the selective payment (or financial transactions) processing according to the communication medium identification, An interface unit 153 providing a communication channel between the VoIP composite terminal 100 and the option board 121, and an option board 121 connected to the VoIP composite terminal 100 in association with the interface unit 153. The option board check unit 155 for checking the state and the provided function of the wireless communication unit for controlling the initialization and operation of the wireless communication function when the wireless communication unit 167 is provided on the option board 121. When the control unit 157 and the wired communication unit 169 are provided on the option board 121, the wired communication control unit 158 for controlling the initialization and operation of the wired communication function, and the option board 121. When the optical communication unit 180 is provided on the When the optical communication control unit 159 for controlling the initialization and operation of the optical communication function and the security application module 170 (SAM) are provided on the option board 121, the security application module 170 of the If the security application module 170 for controlling the initialization and operation and the card interface unit 173 is provided on the option board 121, the initialization and operation of the card interface unit 173 And a card interface controller 163 for controlling.

When the interface unit 153 requires at least one function configuration provided on the option board 121 in the operation process of the VoIP composite terminal 100 according to the function configuration on the VoIP composite terminal 100, the VoIP As providing a communication channel between the composite terminal 100 and the option board 121, it is preferable that the physical connection between the VoIP composite terminal 100 and the option board 121.

The option board checking unit 155 is connected after the communication channel between the VoIP composite terminal 100 and the option board 121 according to the function configuration on the VoIP composite terminal 100 (that is, on the VoIP composite terminal 100) After connecting the connection connector and the like provided in a predetermined area), characterized in that at least one or more functional configuration provided on the option board 121, a plurality of functions provided on the option board 121 According to the configuration, it is preferable to initialize the function configuration provided on the option board 121 in association with each function control unit.

According to one embodiment of the present invention, at least one or more functional configuration checks provided on the option board 121, at least one or more provided on the option board 121 in a predetermined area on the option board 121 It is preferable to confirm using an option switch or the like for the functional configuration, and it is preferable to use at least one bit or more information for each functional configuration.

For example, when one bit is provided in the order listed corresponding to the wireless communication unit 167, the wired communication unit 169, the optical communication unit 180, the security application module 170, and the card interface unit 173, the wired communication unit, The option board 121 having only the security application module 170 and the card interface unit 173 preferably provides information on the option board 121 denoted by 01011.

According to another exemplary embodiment of the present invention, at least one or more functional configuration checks provided on the option board 121 may record version information of the option board 121 in a predetermined area on the option board 121. In accordance with the version information, it is preferable to check whether each function configuration is included.

According to another embodiment of the present invention, at least one or more functional configuration checks provided on the option board 121, the wireless communication control unit for controlling each functional configuration provided on the option board 121 ( 157, the option board controller 120 including at least one wired communication controller 158, an optical communication controller 159, a security application module 170, a controller 160, and a card interface controller 163. If a certain message is not received from the option board 121 after transmitting a predetermined message on the 121, the control function included on the option board controller 120 is not included on the option board 121. It is desirable to confirm that no.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of the method for providing information on at least one or more functional configuration provided on the option board 121, Description is omitted for convenience.

According to FIG. 1A having a wireless communication unit 167 including a Bluetooth communication function and an HSDPA (or 802.16x) communication function, the option board 121 includes a Bluetooth communication function and an HSDPA (or 802.16x) communication function. If the wireless communication unit 167 is not provided, it is preferable to set the VoIP composite terminal 100 not to operate.

According to FIG. 1B having a wireless communication unit including a WiFi communication function and an HSDPA (or 802.16x) communication function, a wireless communication unit including a WiFi communication function and an HSDPA (or 802.16x) communication function on the option board 121. If 167 is not provided, it is preferable to set the VoIP composite terminal 100 not to operate.

According to FIG. 1C having a wired communication unit 169 including a USB communication function and a wireless communication unit including an HSDPA (or 802.16x) communication function, a wired communication unit including a USB communication function on the option board 121. 169 and the wireless communication unit 167 including the HSDPA (or 802.16x) communication function, it is preferable to set the VoIP composite terminal 100 not to operate.

According to FIG. 1D having a wireless communication unit 167 including a Bluetooth communication function and a wired communication unit 169 including a wide area wire communication unit 169, a wireless communication unit including Bluetooth on the option board 121 ( 167 and the wired communication unit 169 including the wide area wired communication unit 169 are preferably set such that the VoIP composite terminal 100 does not operate.

According to FIG. 1E having a wireless communication unit 167 including a WiFi communication function and a wired communication unit 169 including a wide area wire communication unit 169, a wireless communication device including a WiFi communication function on the option board 121 is provided. When the communication unit 167 and the wired communication unit 169 including the wide area wired communication unit 169 are not provided, it is preferable to set the VoIP composite terminal 100 not to operate.

According to FIG. 1F having a USB communication function and a wired communication unit 169 including a wide area wired communication unit 169, the wired communication unit 169 has a USB communication function and a wide area wired communication unit 169 on the option board 121. In the case where the wired communication unit 169 including) is not provided, it is preferable to set the VoIP composite terminal 100 not to operate.

When it is confirmed that the wireless communication unit 167 is provided on the option board 121, the wireless communication control unit 157 controls the initialization and overall operation of the wireless communication function, and the option board 121 Program routines (Routine) or program data for the initialization and overall operation of the wireless communication unit 167 provided on the) may be provided on the VoIP composite terminal 100 or the option board 121.

Here, the wireless communication control unit may be provided separately from the wide area communication control unit for the wide area communication function control provided on the option board, by which the present invention is not limited.

According to one embodiment of the present invention, when it is confirmed that the wireless communication unit 167 is provided on the option board 121, the wireless communication control unit 157 is a wireless communication unit provided on the option board 121 It is preferable to provide a program routine or program data provided on the option board 121 to the wireless communication unit 167 provided on the option board 121 to initialize the operation of 167, and the wireless communication unit 167. Depending on the functions provided on the), a program routine or program data for initializing the operation of the wireless communication unit 167 may not be required.

According to another embodiment of the present invention, when it is confirmed that the wireless communication unit 167 is provided on the option board 121, the wireless communication control unit 157 is a wireless provided on the option board 121 In order to initialize the operation of the communication unit 167, it is preferable to provide a program routine or program data provided on the VoIP composite terminal 100 to the wireless communication unit 167 provided on the option board 121.

According to one embodiment of the present invention, the wireless communication control unit 157 receives an operation request through the wireless communication unit 167 before the function of the wireless communication unit 167 provided on the option board 121 is initialized. In this case, after temporarily storing at least one or more information (or data) to be provided to the wireless communication unit 167, it is preferable to process through the wireless communication unit 167 when the wireless communication unit 167 is activated.

According to another exemplary embodiment of the present invention, the wireless communication controller 157 requests an operation through the wireless communication unit 167 before the function of the wireless communication unit 167 provided on the option board 121 is initialized. When receiving, it is preferable to delete at least one or more information (or data) to be provided to the wireless communication unit 167.

According to another embodiment of the present invention, the wireless communication control unit 157 requests operation through the wireless communication unit 167 before the function of the wireless communication unit 167 provided on the option board 121 is initialized. When receiving the, it is preferable to limit the generation of at least one or more information (or data) to be provided to the wireless communication unit 167 (that is, limiting the use of the wireless communication function by notifying that the wireless communication unit 167 is not present).

When it is confirmed that the wired communication control unit 158 is provided with the wired communication unit 169 on the option board 121, the wired communication control unit 158 controls the initialization and the overall operation of the wired communication function, and the option board 121 The program routine or program data for the initialization and overall operation of the wired communication unit 169 may be provided on the VoIP composite terminal 100 or the option board 121.

According to one embodiment of the present invention, when it is confirmed that the wired communication unit 169 is provided on the option board 121, the wired communication control unit 158 is a wired communication unit provided on the option board 121 It is preferable to provide a program routine or program data provided on the option board 121 to the wired communication unit 169 provided on the option board 121 to initialize the operation of the operation 169, and wired communication unit 169. Depending on the function provided on the) may not require a program routine or program data for initializing the operation of the wired communication unit 169.

According to another embodiment of the present invention, when it is confirmed that the wired communication unit 169 is provided on the option board 121, the wired communication control unit 158 is wired provided on the option board 121 In order to initialize the operation of the communication unit 169, it is preferable to provide a program routine or program data provided on the VoIP composite terminal 100 to the wired communication unit 169 provided on the option board 121.

According to one embodiment of the present invention, the wired communication control unit 158 receives an operation request through the wired communication unit 169 before the function of the wired communication unit 169 provided on the option board 121 is initialized. In this case, it is preferable to temporarily store at least one or more information (or data) to be provided to the wired communication unit 169 and then process the wired communication unit 169 when the wired communication unit 169 is activated.

According to another exemplary embodiment of the present invention, the wired communication control unit 158 requests an operation through the wired communication unit 169 before the function of the wired communication unit 169 provided on the option board 121 is initialized. When receiving, it is preferable to delete at least one or more information (or data) to be provided to the wired communication unit 169.

According to another exemplary embodiment of the present invention, the wired communication controller 158 requests an operation through the wired communication unit 169 before the function of the wired communication unit 169 provided on the option board 121 is initialized. When receiving the, it is preferable to limit the generation of at least one or more information (or data) to be provided to the wired communication unit 169 (that is, limiting the use of the wired communication function by notifying that there is no wired communication unit 169).

When the optical communication controller 159 is confirmed that the optical communication unit 180 is provided on the option board 121, the optical communication control unit 159 controls the initialization and overall operation of the wired communication function, and the option board 121 Program routines (Routine) or program data for the initialization and overall operation of the optical communication unit 180 provided on the) may be provided on the VoIP composite terminal 100 or the option board 121.

According to one embodiment of the present invention, when it is confirmed that the optical communication unit 180 is provided on the option board 121, the optical communication control unit 159 is an optical communication unit provided on the option board 121 It is preferable to provide a program routine or program data provided on the option board 121 to the optical communication unit 180 provided on the option board 121 to initialize the operation of the 180, and the optical communication unit 180. Depending on the functions provided on the), a program routine or program data for initializing the operation of the optical communication unit 180 may not be required.

According to another embodiment of the present invention, when it is confirmed that the optical communication unit 180 is provided on the option board 121, the optical communication control unit 159 is a light provided on the option board 121 In order to initialize the operation of the communication unit 180, it is preferable to provide a program routine or program data provided on the VoIP composite terminal 100 to the optical communication unit 180 provided on the option board 121.

According to one embodiment of the present invention, the optical communication control unit 159 receives an operation request through the optical communication unit 180 before the function of the optical communication unit 180 provided on the option board 121 is initialized. In this case, it is preferable to temporarily store at least one or more information (or data) to be provided to the optical communicator 180 and then process the optical communicator 180 through the optical communicator 180 when the optical communicator 180 is activated.

According to another exemplary embodiment of the present invention, the optical communication controller 159 requests an operation through the optical communication unit 180 before the function of the optical communication unit 180 provided on the option board 121 is initialized. When receiving, it is preferable to delete at least one or more information (or data) to be provided to the optical communication unit 180.

According to another embodiment of the present invention, the optical communication control unit 159 requests operation through the optical communication unit 180 before the function of the optical communication unit 180 provided on the option board 121 is initialized. When receiving the, it is preferable to limit the generation of at least one or more information (or data) to be provided to the optical communication unit 180 (that is, limiting the use of the optical communication function by notifying that the optical communication unit 180 is not present).

If it is confirmed that the security application module 170, the control unit 160 is provided with a security application module 170 (SAM) on the option board 121, the initialization and overall operation of the security application module 170 function It characterized in that the control, the program routine (Routine) or program data for the initialization and overall operation of the security application module 170 provided on the option board 121 is the VoIP composite terminal 100 or the option board It may be provided on the (121).

According to one embodiment of the present invention, when it is confirmed that the security application module 170 is provided on the option board 121, the security application module 170, the control unit 160 on the option board 121 It is to provide a program routine or program data provided on the option board 121 to the security application module 170 provided on the option board 121 to initialize the operation of the security application module 170 provided in the Preferably, a program routine or program data for initializing the operation of the security application module 170 may not be necessary depending on a function provided on the security application module 170.

According to another embodiment of the present invention, when it is confirmed that the security application module 170 is provided on the option board 121, the security application module 170, the control unit 160 is the option board 121 Provides a program routine or program data provided on the VoIP composite terminal 100 to the security application module 170 provided on the option board 121 for initializing the operation of the security application module 170 provided on the computer. It is desirable to.

According to an embodiment of the present invention, the security application module 170, the control unit 160 is the security application module 170 before the function of the security application module 170 provided on the option board 121 is initialized When receiving the operation request through, temporarily storing at least one or more information (or data) to be provided to the security application module 170, if the security application module 170 is activated, the security application module 170 It is preferable to process through.

According to another exemplary embodiment of the present invention, the security application module 170, the control unit 160 is the security application module 170 before the function of the security application module 170 provided on the option board 121 is initialized When receiving an operation request through), it is preferable to delete at least one or more information (or data) to be provided to the security application module 170.

According to another embodiment of the present invention, the security application module 170, the control unit 160 before the function of the security application module 170 provided on the option board 121 is initialized security application module ( When receiving the operation request through 170, limiting the generation of at least one or more information (or data) to be provided to the security application module 170 (that is, the security application module 170 notifies that there is no security application module ( 170) restrictions on the use of the function).

When it is confirmed that the card interface unit 173 is provided on the option board 121, the card interface controller 163 controls the initialization and the overall operation of the card interface function. A program routine or program data for initializing and overall operation of the card interface provided on the 121 may be provided on the VoIP composite terminal 100 or the option board 121.

According to one embodiment of the present invention, when it is confirmed that the card interface unit 173 is provided on the option board 121, the card interface control unit 163 is a card provided on the option board 121 In order to initialize the operation of the interface unit 173, it is preferable to provide a program routine or program data provided on the option board 121 to the card interface unit 173 provided on the option board 121. Depending on the functions provided on the interface unit 173, a program routine or program data for initializing the operation of the card interface unit 173 may not be required.

According to another exemplary embodiment of the present invention, when it is confirmed that the card interface unit 173 is provided on the option board 121, the card interface controller 163 is provided on the option board 121. In order to initialize the operation of the card interface unit 173, it is preferable to provide a program routine or program data provided on the VoIP composite terminal 100 to the card interface unit 173 provided on the option board 121. .

According to the exemplary embodiment of the present invention, the card interface controller 163 requests an operation through the card interface unit 173 before the function of the card interface unit 173 provided on the option board 121 is initialized. In the case of receiving a message, temporarily storing at least one or more information (or data) to be provided to the card interface unit 173, and then processing through the card interface unit 173 when the card interface unit 173 is activated. desirable.

According to another exemplary embodiment of the present invention, the card interface controller 163 operates through the card interface unit 173 before the function of the card interface unit 173 provided on the option board 121 is initialized. When receiving the request, it is preferable to delete at least one or more information (or data) to be provided to the card interface unit 173.

According to another exemplary embodiment of the present invention, the card interface controller 163 may be configured through the card interface unit 173 before the function of the card interface unit 173 provided on the option board 121 is initialized. In case of receiving an operation request, limiting generation of at least one or more information (or data) to be provided to the card interface unit 173 (that is, limiting use of the card interface function by notifying that the card interface unit 173 is not present). It is preferable.

2 is a diagram illustrating a process of initializing a wireless communication function after confirming a wireless communication function included in the option board 121 according to an embodiment of the present invention.

In more detail, FIG. 2 confirms whether the wireless communication function is included among the functions of the option board 121 mounted on the VoIP composite terminal 100 shown in FIG. 1, and when the wireless communication function is included, the wireless communication A process of initializing a function and setting a search for a communication medium to be shown below will be described. If a person having ordinary technical knowledge in the technical field to which the present invention belongs, the option board will be referred to and / or modified with reference to FIG. After confirming the wireless communication function mounted on the 121, various implementation methods for the process of initializing the wireless communication function may be inferred, but the present invention includes all of the inferred implementation methods, and this figure 2 The technical features are not limited only to the implementation method shown in FIG.

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

Referring to FIG. 2, the terminal deactivates the wireless communication function (200) and checks whether the wireless communication function is included on the inserted option board 121 (205).

According to one embodiment of the present invention, at least one or more functional configuration checks provided on the option board 121, at least one or more provided on the option board 121 in a predetermined area on the option board 121 It is preferable to confirm using an option switch or the like for the functional configuration, and it is preferable to use at least one bit or more information for each functional configuration.

For example, when one bit is provided in the order listed corresponding to the wireless communication unit 167, the wired communication unit 169, the optical communication unit 180, the security application module 170, and the card interface unit 173, the wired communication unit, The option board 121 having only the security application module 170 and the card interface unit 173 preferably provides information on the option board 121 denoted by 01011.

According to another exemplary embodiment of the present invention, at least one or more functional configuration checks provided on the option board 121 may record version information of the option board 121 in a predetermined area on the option board 121. In accordance with the version information, it is preferable to check whether each function configuration is included.

According to another embodiment of the present invention, at least one or more functional configuration checks provided on the option board 121, the wireless communication control unit for controlling each functional configuration provided on the option board 121 ( 157, the option board controller 120 including at least one wired communication controller 158, an optical communication controller 159, a security application module 170, a controller 160, and a card interface controller 163. If a certain message is not received from the option board 121 after transmitting a predetermined message on the 121, the control function included on the option board controller 120 is not included on the option board 121. It is desirable to confirm that no.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of the method for providing information on at least one or more functional configuration provided on the option board 121, Description is omitted for convenience.

According to FIG. 1A having a wireless communication unit 167 including a Bluetooth communication function and an HSDPA (or 802.16x) communication function, the option board 121 includes a Bluetooth communication function and an HSDPA (or 802.16x) communication function. If the wireless communication unit 167 is not provided, it is preferable to set the VoIP composite terminal 100 not to operate.

According to FIG. 1B having a wireless communication unit including a WiFi communication function and an HSDPA (or 802.16x) communication function, a wireless communication unit including a WiFi communication function and an HSDPA (or 802.16x) communication function on the option board 121. If 167 is not provided, it is preferable to set the VoIP composite terminal 100 not to operate.

According to FIG. 1C having a wired communication unit 169 including a USB communication function and a wireless communication unit including an HSDPA (or 802.16x) communication function, a wired communication unit including a USB communication function on the option board 121. 169 and the wireless communication unit 167 including the HSDPA (or 802.16x) communication function, it is preferable to set the VoIP composite terminal 100 not to operate.

According to FIG. 1D having a wireless communication unit 167 including a Bluetooth communication function and a wired communication unit 169 including a wide area wire communication unit 169, a wireless communication unit including Bluetooth on the option board 121 ( 167 and the wired communication unit 169 including the wide area wired communication unit 169 are preferably set such that the VoIP composite terminal 100 does not operate.

According to FIG. 1E having a wireless communication unit 167 including a WiFi communication function and a wired communication unit 169 including a wide area wire communication unit 169, a wireless communication device including a WiFi communication function on the option board 121 is provided. When the communication unit 167 and the wired communication unit 169 including the wide area wired communication unit 169 are not provided, it is preferable to set the VoIP composite terminal 100 not to operate.

If the wireless communication function is included on the option board 121 (210), the terminal reads a program routine (or program data) for operating the wireless communication function from the option board 121 (or the terminal). Thereafter, in step 215, the read program routine (or program data) is transmitted to the option board 121 to initialize the wireless communication function (220), and check whether the initialization is complete (225).

According to one embodiment of the present invention, when it is confirmed that the wireless communication unit 167 is provided on the option board 121, the wireless communication control unit 157 is a wireless communication unit provided on the option board 121 It is preferable to provide a program routine or program data provided on the option board 121 to the wireless communication unit 167 provided on the option board 121 to initialize the operation of 167, and the wireless communication unit 167. Depending on the functions provided on the), a program routine or program data for initializing the operation of the wireless communication unit 167 may not be required.

According to another embodiment of the present invention, when it is confirmed that the wireless communication unit 167 is provided on the option board 121, the wireless communication control unit 157 is a wireless provided on the option board 121 In order to initialize the operation of the communication unit 167, it is preferable to provide a program routine or program data provided on the VoIP composite terminal 100 to the wireless communication unit 167 provided on the option board 121.

According to one embodiment of the present invention, the wireless communication control unit 157 receives an operation request through the wireless communication unit 167 before the function of the wireless communication unit 167 provided on the option board 121 is initialized. In this case, after temporarily storing at least one or more information (or data) to be provided to the wireless communication unit 167, it is preferable to process through the wireless communication unit 167 when the wireless communication unit 167 is activated.

According to another exemplary embodiment of the present invention, the wireless communication controller 157 requests an operation through the wireless communication unit 167 before the function of the wireless communication unit 167 provided on the option board 121 is initialized. When receiving, it is preferable to delete at least one or more information (or data) to be provided to the wireless communication unit 167.

According to another embodiment of the present invention, the wireless communication control unit 157 requests operation through the wireless communication unit 167 before the function of the wireless communication unit 167 provided on the option board 121 is initialized. When receiving the, it is preferable to limit the generation of at least one or more information (or data) to be provided to the wireless communication unit 167 (that is, limiting the use of the wireless communication function by notifying that the wireless communication unit 167 is not present).

If the initialization of the wireless communication function is completed (230), the terminal activates the wireless communication function and sets to use the wireless communication function in the subsequent terminal operation process (235).

Here, even after the initialization of the wireless communication function is completed, it is preferable to periodically monitor the wireless communication function to check whether the wireless communication function can be operated.

In addition, when the initialization is not performed for a predetermined time in the wireless communication function initialization process, it is preferable to set the wireless communication function not to be activated, or to repeat the wireless communication function initialization process a predetermined number of times. It is preferable to treat the error as a wireless communication function included in the option board 121.

3 is a diagram illustrating a process of initializing the wired communication function after checking the wired communication function included in the option board 121 according to the embodiment of the present invention.

In more detail, FIG. 3 confirms whether wired communication function is included among the functions of the option board 121 mounted on the VoIP composite terminal 100 shown in FIG. 1, and when the wired communication function is included, the wired communication. A process of initializing a function and setting a search for a communication medium to be shown below will be described. If a person having ordinary technical knowledge in the technical field to which the present invention belongs, the option board is referred to and / or modified with reference to FIG. After confirming the wired communication function mounted on the (121), various implementation methods for the process of initializing the wired communication function may be inferred, but the present invention includes all the inferred implementation methods, the present figure 3 The technical features are not limited only to the implementation method shown in FIG.

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

Referring to FIG. 3, the terminal deactivates the wired communication function (t00) and checks whether the wired communication function is included on the inserted option board 121 (t05).

According to one embodiment of the present invention, at least one or more functional configuration checks provided on the option board 121, at least one or more provided on the option board 121 in a predetermined area on the option board 121 It is preferable to confirm using an option switch or the like for the functional configuration, and it is preferable to use at least one bit or more information for each functional configuration.

For example, when one bit is provided in the order listed corresponding to the wireless communication unit 167, the wired communication unit 169, the optical communication unit 180, the security application module 170, and the card interface unit 173, the wired communication unit, The option board 121 having only the security application module 170 and the card interface unit 173 preferably provides information on the option board 121 denoted by 01011.

According to another exemplary embodiment of the present invention, at least one or more functional configuration checks provided on the option board 121 may record version information of the option board 121 in a predetermined area on the option board 121. In accordance with the version information, it is preferable to check whether each function configuration is included.

According to another embodiment of the present invention, at least one or more functional configuration checks provided on the option board 121, the wireless communication control unit for controlling each functional configuration provided on the option board 121 ( 157, the option board controller 120 including at least one wired communication controller 158, an optical communication controller 159, a security application module 170, a controller 160, and a card interface controller 163. If a certain message is not received from the option board 121 after transmitting a predetermined message on the 121, the control function included on the option board controller 120 is not included on the option board 121. It is desirable to confirm that no.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of the method for providing information on at least one or more functional configuration provided on the option board 121, Description is omitted for convenience.

According to the drawing xc including the wired communication unit 169 including the USB communication function and the wireless communication unit including the HSDPA (or 802.16x) communication function, the wired communication unit including the USB communication function on the option board 121. 169 and the wireless communication unit 167 including the HSDPA (or 802.16x) communication function, it is preferable to set the VoIP composite terminal 100 not to operate.

According to the drawing xd having a wireless communication unit 167 including a Bluetooth communication function and a wired communication unit 169 including a wide area wire communication unit 169, a wireless communication unit including Bluetooth on the option board 121 ( 167 and the wired communication unit 169 including the wide area wired communication unit 169 are preferably set such that the VoIP composite terminal 100 does not operate.

According to the drawing xe having a wireless communication unit 167 including a WiFi communication function and a wired communication unit 169 including a wide area wire communication unit 169, a wireless communication device including a WiFi communication function on the option board 121 is provided. When the communication unit 167 and the wired communication unit 169 including the wide area wired communication unit 169 are not provided, it is preferable to set the VoIP composite terminal 100 not to operate.

According to the drawing xf having a USB communication function and a wired communication unit 169 including a wide area wired communication unit 169, the wired communication unit 169 has a USB communication function and a wide area wired communication unit 169 on the option board 121. In the case where the wired communication unit 169 including) is not provided, it is preferable to set the VoIP composite terminal 100 not to operate.

If the wired communication function is included on the option board 121 (t10), the terminal reads a program routine (or program data) for operating the wired communication function from the option board 121 (or the terminal). After that (t15), the read program routine (or program data) is transmitted to the option board 121 to initialize the wired communication function (t20), and check whether or not the initialization is completed (t25).

According to one embodiment of the present invention, when it is confirmed that the wired communication unit 169 is provided on the option board 121, the wired communication control unit 158 is a wired communication unit provided on the option board 121 It is preferable to provide a program routine or program data provided on the option board 121 to the wired communication unit 169 provided on the option board 121 to initialize the operation of the operation 169, and wired communication unit 169. Depending on the function provided on the) may not require a program routine or program data for initializing the operation of the wired communication unit 169.

According to another embodiment of the present invention, when it is confirmed that the wired communication unit 169 is provided on the option board 121, the wired communication control unit 158 is wired provided on the option board 121 In order to initialize the operation of the communication unit 169, it is preferable to provide a program routine or program data provided on the VoIP composite terminal 100 to the wired communication unit 169 provided on the option board 121.

According to one embodiment of the present invention, the wired communication control unit 158 receives an operation request through the wired communication unit 169 before the function of the wired communication unit 169 provided on the option board 121 is initialized. In this case, it is preferable to temporarily store at least one or more information (or data) to be provided to the wired communication unit 169 and then process the wired communication unit 169 when the wired communication unit 169 is activated.

According to another exemplary embodiment of the present invention, the wired communication control unit 158 requests an operation through the wired communication unit 169 before the function of the wired communication unit 169 provided on the option board 121 is initialized. When receiving, it is preferable to delete at least one or more information (or data) to be provided to the wired communication unit 169.

According to another exemplary embodiment of the present invention, the wired communication controller 158 requests an operation through the wired communication unit 169 before the function of the wired communication unit 169 provided on the option board 121 is initialized. When receiving the, it is preferable to limit the generation of at least one or more information (or data) to be provided to the wired communication unit 169 (that is, limiting the use of the wired communication function by notifying that there is no wired communication unit 169).

If the initialization of the wired communication function is completed (t30), the terminal activates the wired communication function and sets the wired communication function to be used in the subsequent terminal operation process (t35).

Here, it is preferable to monitor whether the wired communication function is operable by periodically monitoring the wired communication function even after the initialization of the wired communication function is completed.

In addition, when initialization is not performed for a predetermined time in the wired communication function initialization process, it is preferable to set the wired communication function not to be activated or to repeat the wired communication function initialization process a predetermined number of times. It is preferable to treat the error as a wired communication function included in the option board 121.

4 is a diagram illustrating a process of initializing the security application module 170 after checking the security application module 170 included in the option board 121 according to the embodiment of the present invention.

In more detail, FIG. 4 confirms whether the security application module 170 is included among the functions of the option board 121 mounted on the VoIP composite terminal 100 shown in FIG. 1, and the security application module 170 is If included, it shows the process of initializing the security application module 170 to set the communication medium to be shown to be shown below, if the person having ordinary technical knowledge in the technical field to which the present invention belongs, Figure 4 After checking and / or modifying the security application module 170 mounted on the option board 121, various implementation methods for the process of initializing the security application module 170 may be inferred. It is made to include all the implementation methods inferred, 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 deactivates the security application module 170 (400) and checks whether the security application module 170 is included on the inserted option board 121 (405).

According to one embodiment of the present invention, at least one or more functional configuration checks provided on the option board 121, at least one or more provided on the option board 121 in a predetermined area on the option board 121 It is preferable to confirm using an option switch or the like for the functional configuration, and it is preferable to use at least one bit or more information for each functional configuration.

For example, when one bit is provided in the order listed corresponding to the wireless communication unit 167, the wired communication unit 169, the optical communication unit 180, the security application module 170, and the card interface unit 173, the wired communication unit, The option board 121 having only the security application module 170 and the card interface unit 173 preferably provides information on the option board 121 denoted by 01011.

According to another exemplary embodiment of the present invention, at least one or more functional configuration checks provided on the option board 121 may record version information of the option board 121 in a predetermined area on the option board 121. In accordance with the version information, it is preferable to check whether each function configuration is included.

According to another embodiment of the present invention, at least one or more functional configuration checks provided on the option board 121, the wireless communication control unit for controlling each functional configuration provided on the option board 121 ( 157, the option board controller 120 including at least one wired communication controller 158, an optical communication controller 159, a security application module 170, a controller 160, and a card interface controller 163. If a certain message is not received from the option board 121 after transmitting a predetermined message on the 121, the control function included on the option board controller 120 is not included on the option board 121. It is desirable to confirm that no.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of the method for providing information on at least one or more functional configuration provided on the option board 121, Description is omitted for convenience.

If the security application module 170 is included on the option board 121 (410), the terminal program program (or program data) for the operation of the security application module 170 option board 121 ( Or after reading from the terminal (415), the read program routine (or program data) is transmitted to the option board 121 to initialize the security application module 170 (420), and confirms whether or not the initialization is completed ( 425).

According to one embodiment of the present invention, when it is confirmed that the security application module 170 is provided on the option board 121, the security application module 170, the control unit 160 on the option board 121 It is to provide a program routine or program data provided on the option board 121 to the security application module 170 provided on the option board 121 to initialize the operation of the security application module 170 provided in the Preferably, a program routine or program data for initializing the operation of the security application module 170 may not be necessary depending on a function provided on the security application module 170.

According to another embodiment of the present invention, when it is confirmed that the security application module 170 is provided on the option board 121, the security application module 170, the control unit 160 is the option board 121 Provides a program routine or program data provided on the VoIP composite terminal 100 to the security application module 170 provided on the option board 121 for initializing the operation of the security application module 170 provided on the computer. It is desirable to.

According to an embodiment of the present invention, the security application module 170, the control unit 160 is the security application module 170 before the function of the security application module 170 provided on the option board 121 is initialized When receiving the operation request through, temporarily storing at least one or more information (or data) to be provided to the security application module 170, if the security application module 170 is activated, the security application module 170 It is preferable to process through.

According to another exemplary embodiment of the present invention, the security application module 170, the control unit 160 is the security application module 170 before the function of the security application module 170 provided on the option board 121 is initialized When receiving an operation request through), it is preferable to delete at least one or more information (or data) to be provided to the security application module 170.

According to another embodiment of the present invention, the security application module 170, the control unit 160 before the function of the security application module 170 provided on the option board 121 is initialized security application module ( When receiving the operation request through 170, limiting the generation of at least one or more information (or data) to be provided to the security application module 170 (that is, the security application module 170 notifies that there is no security application module ( 170) restrictions on the use of the function).

If the initialization of the security application module 170 is completed (430), the terminal activates the security application module 170 to set to use the security application module 170 in the subsequent terminal operation process (435). .

Here, it is preferable to check whether the security application module 170 is operable by periodically monitoring the security application module 170 even after the initialization of the security application module 170 is completed.

In addition, when the initialization of the security application module 170 is not performed for a predetermined time, it is preferable to set the security application module 170 is not activated, or to repeat the security application module 170 initialization process a certain number of times. And, if it is not initialized for a certain number of times, it is preferable to treat it as an error on the security application module 170 included in the option board 121.

5 is a diagram illustrating a process of initializing the card interface after checking the card interface included in the option board 121 according to the embodiment of the present invention.

In more detail, FIG. 5 confirms whether a card interface is included among the functions of the option board 121 mounted on the VoIP composite terminal 100 shown in FIG. 1, and initializes the card interface when the card interface is included. By showing a process for setting the communication medium to be shown to be shown below, those having ordinary technical knowledge in the technical field to which the present invention belongs, by referring to and / or modified the Figure 5 the option board 121 After checking the card interface mounted on the card interface, various implementation methods for the process of initializing the card interface may be inferred, but the present invention includes all the implementation methods inferred, and the embodiment shown in FIG. The technical features are not limited only.

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

Referring to FIG. 5, the terminal deactivates the card interface (500) and checks whether the card interface is included on the inserted option board 121 (505).

According to one embodiment of the present invention, at least one or more functional configuration checks provided on the option board 121, at least one or more provided on the option board 121 in a predetermined area on the option board 121 It is preferable to confirm using an option switch or the like for the functional configuration, and it is preferable to use at least one bit or more information for each functional configuration.

For example, when one bit is provided in the order listed corresponding to the wireless communication unit 167, the wired communication unit 169, the optical communication unit 180, the security application module 170, and the card interface unit 173, the wired communication unit, The option board 121 having only the security application module 170 and the card interface unit 173 preferably provides information on the option board 121 denoted by 01011.

According to another exemplary embodiment of the present invention, at least one or more functional configuration checks provided on the option board 121 may record version information of the option board 121 in a predetermined area on the option board 121. In accordance with the version information, it is preferable to check whether each function configuration is included.

According to another embodiment of the present invention, at least one or more functional configuration checks provided on the option board 121, the wireless communication control unit for controlling each functional configuration provided on the option board 121 ( 157, the option board controller 120 including at least one wired communication controller 158, an optical communication controller 159, a security application module 170, a controller 160, and a card interface controller 163. If a certain message is not received from the option board 121 after transmitting a predetermined message on the 121, the control function included on the option board controller 120 is not included on the option board 121. It is desirable to confirm that no.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of the method for providing information on at least one or more functional configuration provided on the option board 121, Description is omitted for convenience.

If the card interface is included on the option board 121 (510), the terminal reads a program routine (or program data) for the card interface operation from the option board 121 (or the terminal) ( 515), the read program routine (or program data) is transmitted to the option board 121 to initialize the card interface (520), and check whether the initialization is complete (525).

According to one embodiment of the present invention, when it is confirmed that the card interface unit 173 is provided on the option board 121, the card interface control unit 163 is a card provided on the option board 121 In order to initialize the operation of the interface unit 173, it is preferable to provide a program routine or program data provided on the option board 121 to the card interface unit 173 provided on the option board 121. Depending on the functions provided on the interface unit 173, a program routine or program data for initializing the operation of the card interface unit 173 may not be required.

According to another exemplary embodiment of the present invention, when it is confirmed that the card interface unit 173 is provided on the option board 121, the card interface controller 163 is provided on the option board 121. In order to initialize the operation of the card interface unit 173, it is preferable to provide a program routine or program data provided on the VoIP composite terminal 100 to the card interface unit 173 provided on the option board 121. .

According to the exemplary embodiment of the present invention, the card interface controller 163 requests an operation through the card interface unit 173 before the function of the card interface unit 173 provided on the option board 121 is initialized. In the case of receiving a message, temporarily storing at least one or more information (or data) to be provided to the card interface unit 173, and then processing through the card interface unit 173 when the card interface unit 173 is activated. desirable.

According to another exemplary embodiment of the present invention, the card interface controller 163 operates through the card interface unit 173 before the function of the card interface unit 173 provided on the option board 121 is initialized. When receiving the request, it is preferable to delete at least one or more information (or data) to be provided to the card interface unit 173.

According to another exemplary embodiment of the present invention, the card interface controller 163 may be configured through the card interface unit 173 before the function of the card interface unit 173 provided on the option board 121 is initialized. In case of receiving an operation request, limiting generation of at least one or more information (or data) to be provided to the card interface unit 173 (that is, limiting use of the card interface function by notifying that the card interface unit 173 is not present). It is preferable.

If the initialization of the card interface is completed (530), the terminal activates the card interface to set to use the card interface in the subsequent terminal operation process (535).

Here, even after the card interface initialization is completed, it is preferable to periodically monitor the card interface to check whether the card interface can be operated.

In addition, if the initialization is not performed for a certain time in the card interface initialization process, it is preferable to set the card interface is not activated, or to repeat the card interface initialization process a certain number of times, and if the initialization is not initialized for a certain number of times, the option board ( It is desirable to treat it as an error on the card interface included in 121).

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, and automatically detected. 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 to solve 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, and automatically detected. A function of automatically selecting an optimal communication medium interworking with a client terminal provided in the home (or a store or an office) among the detected communication media is provided so that the client terminal does not have a separate device. There is an advantage of providing a Jiro payment service through the online (or non-face-to-face) payment (or financial transaction) through a VoIP terminal.

According to the present invention, when charging the electronic money through the online (or non-face-to-face) payment (or financial transaction) in the VoIP composite terminal, the VoIP composite terminal is not equipped with a high performance arithmetic function (for example, cryptographic operation function) In this case, there is an advantage in that the second communication medium of the VoIP composite terminal is processed through a client terminal having a high performance computing function located at a short distance of the VoIP composite terminal.

According to the present invention, by setting to operate according to the type and function of the option board in the VoIP composite terminal, there is an advantage that can reduce the production cost of the VoIP composite terminal and various expandability by replacing the option board.

1 is a diagram illustrating a functional configuration of a VoIP complex 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 process of initializing a wireless communication function after checking a wireless communication function included in an option board according to an embodiment of the present invention.

3 is a diagram illustrating a process of initializing the wired communication function after checking the wired communication function included in the option board according to the embodiment of the present invention.

4 is a diagram illustrating a process of initializing a security application module after checking the security application module included in the option board according to an embodiment of the present invention.

5 is a view illustrating a process of initializing the card interface after checking the card interface included in the option board according to the embodiment of the present invention.

<Description of main parts of drawing>

100: VoIP composite terminal 103: terminal control unit

105: card reader device 107: screen output unit

110: key input unit 113: sound processing unit

115: memory 117: power supply

120: option board control unit 123: communication channel connection unit

125: message receiving unit 127: message checking unit

130: information confirmation unit 133: mode switching unit

135: interface output unit 137: information input unit

140: information generating unit 143: information transmitting unit

145: communication medium information storage unit 147: voice call processing unit

150: data communication processing unit 151: communication medium confirmation unit

152: communication medium search unit 153: interface unit

155: option board check unit 157: wireless communication control unit

158: wired communication control unit 159: optical communication control unit

160: security application module control unit 163: card interface control unit

165: interface unit 167: wireless communication unit

169: wired communication unit 170: security application module

173: card interface unit 180: optical communication unit

Claims (7)

An option board including at least one local area communication unit for processing near field communication, a wide area communication unit for connecting to a wide area network, and at least one card interface unit for interfacing with a card reader; An interface unit for interfacing with the option board, a wireless communication unit unit operated by a short range communication unit provided in the option board, a wide area communication unit unit operated by the wide area communication unit, and a card reader interfaced by the card interface unit In the VoIP terminal comprising a main board (Main Board) having at least one device unit, An option board check unit to confirm whether a Bluetooth communication function is provided in the short-range communication unit on the option board; A wireless communication controller configured to process the short range communication unit on the option board to control the wireless communication device unit on the main board when the Bluetooth communication function is confirmed on the option board; A wide area communication control unit which processes the wide area communication unit on the option board to control the wide area communication unit on the main board; And And a card interface controller for controlling the card interface unit on the main board to interface with the card reader device on the main board. And the wide area communication device unit and the wide area communication control unit provide a VoIP voice call connection function through a wide area communication network. An option board including at least one local area communication unit for processing near field communication, a wide area communication unit for connecting to a wide area network, and at least one card interface unit for interfacing with a card reader; An interface unit for interfacing with the option board, a wired communication device unit operated by a short range communication unit provided in the option board, a wide area communication device unit operated by the wide area communication unit, and a card reader interfaced by the card interface unit In the VoIP terminal comprising a main board (Main Board) having at least one device unit, An option board check unit to confirm whether a USB (Universal Serial Bus) communication function is provided in the short-range communication unit on the option board; A wired communication controller configured to process the local area communication unit on the option board to control the wired communication device unit on the main board when the USB communication function is confirmed on the option board; A wide area communication control unit which processes the wide area communication unit on the option board to control the wide area communication unit on the main board; And And a card interface controller for controlling the card interface unit on the main board to interface with the card reader device on the main board. And the wide area communication device unit and the wide area communication control unit provide a VoIP voice call connection function through a wide area communication network. The method of claim 1, The option board check unit, It is characterized in that whether the Wi-Fi (WiFi) communication function is provided in the short-range communication unit on the option board, The wireless communication control unit, When the Wi-Fi communication function is confirmed on the option board, the communication medium adaptive VoIP terminal, characterized in that for processing to control the wireless communication unit on the main board from the short-range communication unit on the option board. The method of claim 1, The option board check unit, It is characterized in that whether the short-range communication unit on the option board is equipped with a UWB (Ultra Wide Band system) communication function, The wireless communication control unit, If the UWB (Ultra Wide Band system) communication function is confirmed to the option board, the communication medium adaptive VoIP terminal, characterized in that for processing in the short-range communication unit on the option board to control the wireless communication unit on the main board. The method of claim 2, The option board check unit, It is characterized in that whether the short-range communication unit on the option board is provided with a serial communication function, The wired communication control unit, When the serial communication function is confirmed to the option board, the communication medium adaptive VoIP terminal, characterized in that for processing in the short-range communication unit on the option board to control the wired communication device unit on the main board. The method according to claim 1 or 2, When the option board is provided with a security application module (SAM) for processing the payment security function through the card information read from the customer card in association with the card reader device unit and the card interface, And a security application module controller for controlling the security application module provided in the option board to process a payment security function through the card information. The method of claim 1 or 2, wherein the option board check unit, Check whether the wide area communication unit on the option board is equipped with a TCP / IP-based wired communication function, or Communication medium adaptive VoIP terminal, characterized in that the wide-area communication unit on the option board is equipped with a high-speed downlink packet access (HSDPA) based wireless communication function, or IEEE 802.16.x based wireless communication function.