KR20050114880A - Payment service system and its method for providing phone banking service connected with electronic commerce - Google Patents

Abstract

1. TECHNICAL FIELD OF THE INVENTION

The present invention relates to a payment service system for providing a bank phone banking payment service in association with an electronic commerce, and a method and a computer readable recording medium having recorded thereon a program for realizing the method.

2. The technical problem to be solved by the invention

According to the present invention, when a purchaser selects (clicks) a payment using a telephone on the Internet, the buyer generates a call connection request (incoming call) to the purchaser's phone and pays for the call connection of the buyer's phone in an intelligent network. Payment service system and method for providing a bank phone banking payment service in conjunction with an e-commerce to automatically and quickly switch to a service system or a bank phone banking system to make a fast and secure payment using a telephone and a method thereof Its purpose is to provide a computer-readable recording medium that records a program for realization.

3. Summary of the Solution of the Invention

The present invention provides a payment service system for providing a bank phone banking payment service in association with an electronic commerce, comprising: network interworking means for interworking an internet protocol network connected with an online sales means and an intelligent network connected with the payment service system; Guidement processing means for transmitting a predetermined payment guidement to a temporarily connected buyer's telephone under the control of the service control means; Under the control of the service control means, the temporary connection between the buyer phone and the announcement processing means is established, and when the announcement is finished, the call connection of the buyer phone is switched to a bank phone banking system to interwork with the e-commerce. Intelligent network exchange means for providing a bank phone banking payment service; And controlling the intelligent network switching means to set up a temporary connection with the announcement processing means by requesting (sending) a call setup to the purchaser's phone according to a payment request signal by an electronic commerce received through the network interworking means, As a result, the guide line processing means is controlled to send a preset payment guide to the buyer's phone to which the temporary connection is set, and the call network of the buyer's phone is switched to the bank phone banking system after the payment guide line is completed. Said service control means for controlling a switching system.

4. Important uses of the invention

The present invention is used in electronic commerce systems and the like.

Description

Payment service system and its method for providing phone banking service connected with electronic commerce in connection with electronic commerce

The present invention relates to a payment service system for providing a bank phone banking payment service in association with an electronic commerce, and a method and a computer readable recording medium recording a program for realizing the method. When a buyer selects (clicks) a telephone payment over the Internet, the buyer connects the call between the buyer's phone and the payment service system, after which the intelligent network automatically switches the connection between the buyer and the payment service system and the buyer and the bank phone banking system. Computer-readable record that records a payment service system for providing a bank phone banking payment service in conjunction with e-commerce, a method for implementing the method, and a method for realizing a quick and safe payment using a telephone. It is about the medium.

Recently, electronic commerce using the Internet has been in the spotlight as a means to buy cheap and good goods most conveniently in the information society. These online shopping malls are open 24 hours a day, and you can order anything from around the globe at any time with just a few taps. In addition, since there is no intermediate distribution process, there is little distribution margin and logistics costs, and operating costs such as building rent are also less expensive than ordinary stores.

These e-commerce involves the seller to deliver the product or service to the consumer and receive the payment from the consumer (payment). In particular, in the case of intangible goods such as information, the entire transaction from ordering to service delivery to payment can be completed on the Internet. In general, payment methods of Internet commerce include a payment method by telephone, a payment method by credit card, a payment method by electronic money, and a payment method by bank transfer.

First, the payment method by account transfer is possible both online and offline, but in the case of offline account transfer, it is very inconvenient because the seller has to manually confirm the deposit. In the case of online bank transfer, after completing the application and registration for internet financial transactions (internet banking) with the bank, the consumer must find the deposit account number of the seller and transfer the account online via the Internet. However, since the payment method by the wire transfer is not linked to the purchase behavior on the Internet and the payment behavior, the time required for deposit after purchase varies by buyers, and much effort is required to confirm the deposit of the sales price. There was a delay. In addition, there is a problem that a number of cases that do not pay due to the buyer's remorse after ordering goods because the purchase behavior and payment behavior on the Internet is not linked.

In addition, a payment method using a credit card which is most used in electronic commerce is a method in which an individual enters a credit card number, authenticates with a password, and pays a price through a payment broker (payment gateway). This is a very inconvenient problem because you have to enter a credit card number (for example, 16 digits) every time you pay.

In addition, the payment method by electronic money stores a certain amount of the bank deposit as an electronic sign on a plastic card (called an electronic wallet) that is only a credit card with an IC chip (Integrated Circuit Chip). Alternatively, when payment for the service, the payment amount (electronic symbol) is a new form of payment means for transferring to the seller's terminal (or electronic wallet). Electronic money is called electronic money in that it is very similar to cash issued by a monetary authority because not only can it be recharged from the deposit account into the IC card when it is used up, but also has a widely accepted purchasing power.

Such electronic money is capable of storing and transferring value, and has the main functions as a currency such as generality and anonymity that can be used anywhere, and it is possible to avoid the inconvenience of remote transportation and the cost and theft risk of archival transportation. There is an advantage to reduce, but it is not yet widely used because of lack of merchants and lack of awareness of the general public.

On the other hand, the payment method by phone is a payment method that can be used not only by a cordless phone such as a mobile communication terminal but also by a landline phone, and is very convenient because a phone number that is familiar to the general public is entered at the time of payment, and is particularly convenient for small payments. . There are two methods of payment by telephone: a prepaid payment method in which a predetermined amount is paid in advance, and a payment amount is deducted from the paid amount, and a postpaid payment method in which the bill is added to the next telephone usage fee after the prepayment.

By the way, in the post-payment payment method of landline telephones using a general telephone, the seller conventionally gives the customer an automatic answering service (ARS) number and an authentication number through the Internet, and the consumer directly to the assigned automatic answering service (ARS) number. The payment was made by dialing and entering the verification number. In addition, as another method, the seller receives the telephone number from the consumer and gives the authentication number, and the payment is made by calling the consumer with the telephone number input from the seller and receiving the authentication number.

However, the conventional methods have a very inconvenient problem because the consumer must make or receive a phone call while using the Internet, and write down the authentication number given through the Internet and re-enter it. In addition, there was a problem that a fee settlement process is required between the telephone company and the Internet service company (seller side).

On the other hand, as a prior patent on a payment method using a telephone, Korean Patent Publication No. 10-2001-0044575 (automatic processing system and method of payment using a wired or wireless telephone) is disclosed. In the prior patent, a buyer selects a product online, receives a product code for the selected product, and then calls a predetermined telephone number to perform a payment by inputting the granted product code and payment information. That's the way. At this time, in order to use bank payment, a separate payment broker (payment gateway) is required between the buyer and the bank phone banking system, and the procedure is complicated until the seller confirms the buyer's payment and delivers the goods. There was a problem that took a long time.

In addition, as another prior patent regarding a payment method using a telephone, Korean Patent Publication No. 10-2002-0017168 (a cyber payment system and a method using a telephone) is disclosed. The other preceding patent is a kind of post-paid payment method described above, in which a purchaser enters his / her social security number, telephone number, password, etc. into a member information database of an Internet service provider (seller's side), and then designates a telephone designated by the Internet service provider. When a user dials a number to authenticate and make a payment, the telephone company bills the bill later by including the payment amount. As described above, the postpaid payment method requires a fee settlement process between the telephone company and the Internet service provider (seller side), and it takes a long time for the internet service company (seller side) to collect the payout. there was. In addition, because the stability for payment is not high, it is suitable for small payments, otherwise there was an unsuitable problem.

The present invention has been proposed in order to solve the above problems, and when a purchaser selects (clicks) a payment using a telephone on the Internet in a purchase operation using an e-commerce, a call connection request (incoming call) is generated to the buyer's phone. In addition, by automatically switching the call connection of the buyer's phone to a payment service system or a bank phone banking system in the intelligent network, a bank phone banking payment service in conjunction with e-commerce for fast and safe payment is made. It is an object of the present invention to provide a payment service system and a method for providing the same, and a computer-readable recording medium recording a program for realizing the method.

Other objects and advantages of the present invention can be understood by the following description, and will be more clearly understood by the embodiments of the present invention. Also, it will be readily appreciated that the objects and advantages of the present invention may be realized by the means and combinations thereof indicated in the claims.

An apparatus of the present invention for achieving the above object, in the payment service system for providing a bank phone banking payment service in conjunction with the e-commerce, the Internet protocol network connected to the online sales means and the intelligent network connected to the payment service system Means for interlocking the network; Guidement processing means for transmitting a predetermined payment guidement to a temporarily connected buyer's telephone under the control of the service control means; Under the control of the service control means, the temporary connection between the buyer phone and the announcement processing means is established, and when the announcement is finished, the call connection of the buyer phone is switched to a bank phone banking system to interwork with the e-commerce. Intelligent network exchange means for providing a bank phone banking payment service; And controlling the intelligent network switching means to set up a temporary connection with the announcement processing means by requesting (sending) a call setup to the purchaser's phone according to a payment request signal by an electronic commerce received through the network interworking means, As a result, the guide line processing means is controlled to send a preset payment guide to the buyer's phone to which the temporary connection is set, and the call network of the buyer's phone is switched to the bank phone banking system after the payment guide line is completed. And said service control means for controlling the switching system.

In addition, the device of the present invention, the payment request signal by the electronic commerce received from the on-line sales means to the service control means via the network interworking means, and receives the payment result from the bank phone banking system the It is characterized in that it further comprises a payment intermediary means for delivery to the online sales means.

On the other hand, the method of the present invention, in the payment service method for providing a bank phone banking payment service in conjunction with the e-commerce, connecting the buyer phone and the call in response to the payment request signal by the e-commerce, and transmits the payment guidance Payment information delivery step; And a payment service providing step of switching a call connection of the buyer's phone to a corresponding bank phone banking system as the payment guidance is sent, so that a call and a payment are made between the buyer's phone and the bank phone banking system. It is done.

In addition, the method of the present invention is characterized in that it further comprises a payment completion guide step of switching the call connection of the buyer phone to the guidement processing means as the payment is completed so that the payment completion guidement is sent out.

In addition, the method of the present invention, characterized in that it further comprises a payment result providing step of providing a payment result received from the bank phone banking system to the e-commerce providing side (seller side).

On the other hand, the present invention, the payment service system provided with a processor, the payment guidance announcement transmission function for connecting the call to the buyer phone and the call in response to the payment request signal by the electronic commerce, the payment guidance announcement; And switching the call connection of the buyer's phone to the corresponding bank phone banking system as the payment guidance is sent out, thereby realizing a payment service providing function for making a call and payment between the buyer's phone and the bank phone banking system. Provide a computer readable recording medium having recorded thereon.

In addition, the present invention can be read by a computer recording a program for further realizing a payment completion guide function for switching the call connection of the buyer's telephone to the guidement processing means as payment is completed, so that the payment completion guidement is sent out. Provide a recording medium.

The present invention also provides a computer-readable recording medium having recorded thereon a program for further realizing a payment result providing function of providing a payment result received from the bank phone banking system to an e-commerce providing side (seller side). .

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings, whereby those skilled in the art may easily implement the technical idea of the present invention. There will be. In addition, in describing the present invention, when it is determined that the detailed description of the known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a configuration diagram of an embodiment of a payment service system for providing a bank phone banking payment service in conjunction with an electronic commerce according to the present invention.

As shown in FIG. 1, a payment service system 100 that provides a bank phone banking payment service in connection with an electronic commerce according to the present invention, the buyer phone according to a payment request signal received through a network interworking gateway 15. Control the intelligent network switching system 17 to establish a temporary connection with the announcement message processing system 18, and as a result, to the purchaser telephone 12 to which the temporary connection is established. A service for controlling the announcement processing system 18 to send out a predetermined payment announcement, and for controlling the intelligent network switching system 17 to switch the call connection of the purchaser phone 12 to the bank phone banking system 20. Establish a temporary connection between the purchaser telephone 12 and the announcement processing system 18 under the control of a control system (SCP) 16, the control of the service control system 16; After the announcement is completed, the intelligent network switching system (SSP) for switching the call connection of the buyer phone 12 to the bank phone banking system 20, the service control system 16 of According to the control, the announcement procedure processing system 18 for transmitting the preset payment guidance comment to the temporarily connected buyer phone 12 and the Internet protocol to which the intelligent network to which the payment service system 100 is connected and the online sales server 10 are connected ( IP) network interworking gateway 15 for interworking.

At this time, the payment request signal is received from the online sales server 10 and delivered to the service control system 16 via the network interworking gateway 15, and the payment result received from the bank phone banking system 20 is transferred to the online sales server. A general payment intermediation system 14 for transmitting to 10 may be linked to the payment service system 100, and may be implemented by being included in the payment service system 100.

In addition, the service control system 16 switches the call connection of the purchaser phone 12 to the guidement processing system 17 as the payment is completed, so that the payment completion guidement is sent out. ) May be further performed.

The overall operation thereof will be described in detail with reference to FIGS. 2, 3A, and 3B.

2 is a signal flow diagram of an embodiment of a payment service method for providing a bank phone banking payment service in association with an electronic commerce according to the present invention.

First, after the purchaser terminal 11 accesses the online sales server 10 to select a product and clicks (selects) online telephone payment, a payment request signal is transmitted to the online sales server 11 (201). At this time, the payment request signal includes a buyer's phone number to make a payment and bank selection information to be settled. The purchaser's phone number may be input through a pop-up window or the like every time a payment request is made, or may be registered in a member database managed by the online sales server 10.

Meanwhile, the online sales server 11 transmits the payment request signal received from the purchaser terminal 11 to the service control system 16 through the payment intermediation system 14 and the network interworking gateway 15 (202, 203, and 204).

The service control system 16 then transmits 205 a call setup request signal (ICA / RRBE / Continue) to the intelligent network switching system 17 to request call setup to the purchaser phone 12 (205). The call establishment request signal includes a call creation request operation (ICA), a basic call state model event report request operation (RRBE: RequestReportBCSMEvent), and a call processing continue request operation (Continue).

Upon receiving the call setup request signal from the service control system 16, the intelligent network switching system 17 transmits the call setup signal to the buyer telephone 12 (206), and as a response, the call setup response signal to the buyer telephone 12. Call 207 to set the call. In addition, the intelligent network switching system 17 transmits a call setup notification signal (ERB: EventReportBCSM) to the service control system 16 informing that the purchaser telephone 12 has responded (208).

Then, the service control system 16 sends a temporary connection establishment request signal (RRBE / ETC / FCI) for requesting temporary connection establishment between the announcement message processing system 18 and the purchaser phone 12. (209). At this time, the temporary connection establishment request signal includes a basic call state model event report request operation (RRBE: RequestReportBCSMEvent), a billing information provision operation (FCI: FurnishmentChargingInformation), and a temporary connection establishment operation (ETC: EstablishTemporaryConnection).

Then, the intelligent network exchange system 17 performs a temporary connection establishment between the announcement processing system 18 and the purchaser phone 12 (210), the announcement processing system 18 is a temporary connection with the purchaser phone 12 The service control system 16 notifies the service control system 16 of a temporary connection completion notification signal (ARI: AssistRequestInstructions) indicating that the setting is completed.

Then, the service control system 16 transmits the announcement announcement request signal (PA: PlayAnnouncement announcement broadcast operation) requesting the purchaser phone 12 to transmit the preset payment announcement to the announcement announcement processing system 18. (212).

Then, the announcement message processing system 18 is a payment guidance announcement (for example, a waiting announcement (information to be connected to the bank phone banking system) preset) in response to the request of the service control system 16, etc. Is sent to the purchaser phone 12 (213). At this time, the payment bank selection information may be included in the payment request signal in the process "201", or may be input from the buyer phone 12 in accordance with the announcement in the process "213".

Subsequently, when the announcement announcement is completed, the announcement announcement processing system 18 transmits the announcement announcement completion notification signal (SRR: SpecializedResourceReport, special resource report operation) to the service control system 16 (214).

Then, the service control system 16 transmits a temporary disconnect request signal (DFC: DisconnectForwardConnection, a forward disconnect operation) for requesting a temporary disconnect between the announcement processing system 18 and the purchaser phone 12. While transmitting to (17) (215), the dialogue end signal TC_END (dialog end operation) is transmitted to the announcement message processing system 18 (215). At this time, the intelligent network switching system 17 that receives the temporary connection release request signal from the service control system 16 releases the temporary connection between the announcement processing system 18 and the purchaser phone 12.

Thereafter, the service control system 16 transmits a connection establishment request signal (RRBE / FCI / Connect) to the intelligent network switching system 17 so that the connection of the purchaser phone 12 is switched to the corresponding bank phone banking system 20. Transmit (217). That is, the phone number corresponding to the payment bank selection information (for example, the bank code number) included in the payment request signal in the process “201” to “204”, that is, to the corresponding bank phone banking system 20. The intelligent network switching system 17 is controlled so that the call connection of the purchaser telephone 12 is switched. To this end, the service control system 16 may use a scheme in which a list of telephone numbers corresponding to payment bank selection information (for example, a bank code number) is stored in a database.

Meanwhile, the intelligent network switching system 17 transmits a call setup signal for requesting call setup with the purchaser phone 12 to the corresponding bank phone banking system 20 (218), and returns a call setup response signal as a response. By receiving 219, a call is established between the purchaser phone 12 and the bank phone banking system 20. In addition, the intelligent network switching system 17 transmits a call setup notification signal (ERB: EventReportBCSM) to the service control system 16 informing that the bank phone banking system 20 has responded (220).

As a result, the call connection of the buyer phone 12 is switched to the bank phone banking system 20, and the buyer performs a call and a payment by a general phone banking method (221). Thereafter, when the payment is completed, the bank phone banking system 20 transmits the payment result to the payment brokerage system 14, and the payment brokerage system 14 transmits the payment result received from the bank phone banking system 20 to the online sales server. 10 and the network interworking gateway 15, respectively (223 and 224).

3A and 3B are flowcharts illustrating an embodiment of a payment service method for providing a bank phone banking payment service in connection with an electronic commerce according to the present invention.

First, the buyer (buyer terminal 11) is connected to the Internet store (online sales server 10) to select the product (including all goods, content, services, etc.), and then pay by a wire transfer to a specific bank If requested (301), the online sales server 10 receives this (302) and asks the buyer to enter a phone number (303).

Then, the buyer (buyer terminal 11) receives the phone number 304 in accordance with the request of the online sales server 10 and transmits it to the online sales server 10 (305).

Then, the online sales server 10 receiving the telephone number from the buyer (buyer terminal 11) transmits a payment request signal including the bank selection information and the telephone number to the payment service system 100 (306 and 307).

Meanwhile, the payment service system 100 receiving the payment request signal from the online sales server 10 attempts to connect the phone to the buyer (buyer phone 12) (309, 310) and receives the response (311, 312). Set up the connection.

As described above, in a state in which a call is connected between the purchaser (buyer phone 12) and the payment service system 100, the payment service system 100 transmits payment instructions to the purchaser (buyer phone 12) (313 and 314).

Subsequently, when the payment guidance is sent out, the telephone connection to the bank phone banking system 20 is attempted (315, 316) and the response is received (317, 318), thereby making a call connection of the buyer (buyer phone 12) by the bank phone banking system ( Switch to 20). Thus, the buyer (buyer phone 12) and the bank phone banking system 20 is connected to the call to perform the call and payment (319), when the payment is completed (320), the bank phone banking system 20 is the buyer phone number The payment result including the payment is transmitted to the payment service system 100 (321, 322).

Then, the payment service system 100 transmits the payment result received from the bank phone banking system 20 to the online sales server 10 (323, 324). Therefore, the payment service system 100 may manage the payment status of the buyer identified using the buyer's phone number in real time.

In this case, the "322" and "323" process is a process to be processed in the payment brokerage system 14 in the above description it is assumed that the payment brokerage system 14 is included in the payment service system 100 according to the present invention. will be.

As described above, the method of the present invention may be implemented as a program and stored in a recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.) in a computer-readable form. Since this process can be easily implemented by those skilled in the art will not be described in more detail.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the technical spirit of the present invention for those skilled in the art to which the present invention pertains. It is not limited by the drawings.

As described above, according to the present invention, when a buyer selects (clicks) a payment using a telephone on the Internet, the buyer generates a call connection request (incoming call) to the buyer's telephone, and calls the buyer's telephone in an intelligent network. By automatically switching the connection to a payment service system or a bank phone banking system, it is possible to provide a fast and secure payment service that combines online real-time and offline stability.

1 is a configuration diagram of an embodiment of a payment service system for providing a bank phone banking payment service in connection with an electronic commerce according to the present invention;

2 is a signal flow diagram of an embodiment of a payment service method for providing a bank phone banking payment service in connection with an electronic commerce according to the present invention;

3A and 3B are flowcharts illustrating an embodiment of a payment service method for providing a bank phone banking payment service in connection with an electronic commerce according to the present invention.

* Explanation of symbols on the main parts of the drawing

10: online sales server 11: buyer terminal

12: Buyer's phone 13: IP network

14: payment brokerage system 15: network interworking gateway

16: service control system 17: intelligent network switching system

18: announcement processing system 19: telephone network

20: Bank Phone Banking System

Claims (13)

In the payment service system that provides a bank phone banking payment service in conjunction with e-commerce, Network interworking means for interworking an internet protocol network to which an on-line sales means is connected to an intelligent network to which the payment service system is connected; Guidement processing means for transmitting a predetermined payment guidement to a temporarily connected buyer's telephone under the control of the service control means; Under the control of the service control means, the temporary connection between the buyer phone and the announcement processing means is established, and when the announcement is finished, the call connection of the buyer phone is switched to a bank phone banking system to interwork with the e-commerce. Intelligent network exchange means for providing a bank phone banking payment service; And Control the intelligent network switching means to set up a temporary connection with the announcement processing means by requesting (sending) the call setup to the purchaser's phone according to the payment request signal by the electronic commerce received through the network interworking means, and As a result, the guidance processing unit controls the announcement processing means to send a predetermined payment announcement to the purchaser phone to which the temporary connection is set, and switches the call connection of the buyer phone to the bank phone banking system after the payment announcement is completed. The service control means for controlling the system Payment service system for providing a bank phone banking payment service in conjunction with an e-commerce comprising a. The method of claim 1, The service control means, Switching the call connection of the buyer's phone to the guidement processing means as the payment is completed, further performing a function of controlling the intelligent network exchange means to send a payment completion guidement to the bank phone in conjunction with e-commerce. Payment service system that provides banking payment services. The method of claim 1, Payment intermediary for transmitting the payment request signal by the e-commerce received from the on-line sales means to the service control means through the network interworking means, and receives the payment result from the bank phone banking system to deliver to the on-line sales means Way Payment service system to provide a bank phone banking payment service in conjunction with e-commerce further comprising a. The method according to any one of claims 1 to 3, The payment request signal, A payment service system for providing a bank phone banking payment service in conjunction with an e-commerce, characterized in that it contains a buyer's phone number to perform the payment and the bank selection information to be settled. The method according to any one of claims 1 to 3, The guidement processing means, Under the control of the service control means, the bank phone banking payment service in conjunction with the e-commerce, characterized in that further performing the function of sending a predetermined payment information to the buyer's phone connected to receive the bank selection information for payment. Providing a payment service system. In the payment service method for providing a bank phone banking payment service in conjunction with e-commerce, A payment guide comment transmission step of connecting a call with a buyer's phone according to a payment request signal by an e-commerce, and transmitting a payment guidance comment; And The payment service providing step of switching the call connection of the buyer's phone to the corresponding bank phone banking system as the payment guidance is sent out, so that the call and payment is made between the buyer's phone and the bank phone banking system. Payment service method for providing a bank phone banking payment service in conjunction with an e-commerce comprising a. The method of claim 6, As the payment is completed, the payment completion guide step of switching the call connection of the buyer phone to the announcement processing means so that the payment completion announcement is sent out Payment service method for providing a bank phone banking payment service in conjunction with e-commerce further comprising a. The method of claim 6, Providing a payment result provided by the bank phone banking system to the e-commerce providing side (seller side) Payment service method for providing a bank phone banking payment service in conjunction with e-commerce further comprising a. The method according to any one of claims 6 to 8, The payment request signal by the e-commerce, A payment service method for providing a bank phone banking payment service in conjunction with an e-commerce, characterized in that it contains a buyer's phone number to perform a payment and bank selection information for payment. The method according to any one of claims 6 to 8, The payment information delivery step, E-commerce, characterized in that the call is connected to the buyer's phone in accordance with the payment request signal by the e-commerce including the buyer's phone number to be settled, and the bank selection information is input by sending a payment guide line. Payment service method for providing a bank phone banking payment service in conjunction with. In a payment service system having a processor, A payment guide comment transmission function for connecting a call with a buyer's phone according to a payment request signal by an e-commerce, and transmitting a payment guidance comment; And As the payment information is sent out, the call service of the buyer's phone is switched to the corresponding bank phone banking system, so that the payment service is provided between the buyer's phone and the bank phone banking system. A computer-readable recording medium having recorded thereon a program for realizing this. The method of claim 11, As the payment is completed, the payment completion guide function to switch the call connection of the buyer's phone to the announcement processing means so that the payment completion announcement is sent out. A computer-readable recording medium that records a program for further realization. The method according to claim 11 or 12, Payment result providing function for providing the payment result received from the bank phone banking system to the e-commerce provider (seller side) A computer-readable recording medium that records a program for further realization.