KR20070118510A - Telephone payment service system using unconditional trigger and its method - Google Patents

Abstract

1. TECHNICAL FIELD OF THE INVENTION

The present invention relates to a telephone payment service system and method using an unconditional trigger, and a computer-readable recording medium recording a program for realizing the method.

2. The technical problem to be solved by the invention

The present invention allows the user (buyer) to use the payment service purchased from the service subscription company of the general phone number or the representative phone number by telephone using the unconditional incoming trigger of the intelligent network when purchasing the product using the intelligent network system and the payment intermediation server. It is an object of the present invention to provide a telephone payment service system and a method thereof, and a computer-readable recording medium having recorded thereon a program for realizing the method.

3. Summary of Solution to Invention

The present invention provides a payment service method using a telephone, the method comprising: registering a telephone number subscribed to a service; Unconditionally triggering an incoming call to an intelligent network on a telephone call to a service subscribed telephone number; Receiving a telephone call from the intelligent network, checking whether the service is subscribed, delivering a calling / incoming telephone number to a payment broker server, and connecting a telephone between the calling / incoming telephone (buyer / seller telephone); Recording, at the payment intermediation server, an incoming / outgoing telephone number transmitted from the intelligent network to a payment database; And in response to a payment intermediation request from a seller terminal connected through the Internet at the time of a buyer's payment, converts a telephone call connected between the buyer's phone and the seller's phone in the intelligent network to a phone banking system of the buyer's phone and a financial institution, and the payment intermediation server. And transmitting a payment ID (ID) generated in the above to the phone banking system so that a known telephone payment service is made.

4. Important uses of the invention

The present invention is used for telephone payment services.

Description

Phone payment settlement service system and method using the called trigger}

1 is a configuration diagram of an embodiment of a telephone payment service system using an unconditional incoming trigger according to the present invention;

2 is a flowchart illustrating an embodiment of a telephone payment service method using an unconditional incoming trigger according to the present invention.

* Explanation of symbols on the main parts of the drawing

10: Buyer Phone 20: Seller System

21: seller terminal 22: seller phone

30: local exchange 40: intelligent network system

41: network interworking gateway 42: subscriber DB

43: service controller (SCP) 44: service exchanger (SSP)

50: payment broker server 51: payment DB

60: financial institution 61: phone banking system / ARS

62: financial institution payment server

The present invention relates to a telephone payment service system and method thereof using an unconditional trigger, and a computer-readable recording medium recording a program for realizing the method. More specifically, the present invention relates to an intelligent network system and a payment relay server. A telephone payment service system and method thereof, and a program for realizing the method, which allow a user (buyer) to use a telephone receiver to purchase a product purchased by a service subscription company using an unconditional incoming trigger of an intelligent network when purchasing a product. The present invention relates to a computer-readable recording medium.

Currently, the payment service using a telephone is KT's Hellopay service. This service is a service that a buyer calls a smart phone number for HelloPay and connects to a phone banking system of a desired bank to complete a payment through an authentication process.

However, the Hello Pay service requires that the seller, i.e., the service user, have an intelligent network number for the Hello Pay service, and is not applicable to a phone number routed to a main phone number such as 1588 or 1577.

In other words, in order to use the Hello Pay service, which is a conventional telephone-based payment service, as a means of payment, an intelligent network number for Hello Pay must be obtained and used. In the case of home, etc., the telephone payment service was not available.

Therefore, if the user wants to use the telephone payment without a specific intelligent network number, the service cannot be performed by the hello pay service. Therefore, a method for enabling the telephone payment service even in the routing by a general phone number or a representative phone number is urgently required.

The present invention has been proposed to meet the above requirements, when a user (buyer) purchases a product using the intelligent network system and payment intermediation server using the unconditional incoming trigger of the intelligent network purchased from the service subscription company of the general phone number or representative phone number It is an object of the present invention to provide a telephone payment service system and a method for making a product payment available through a telephone, and a computer-readable recording medium having recorded thereon 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.

In order to achieve the above object, the present invention provides a telephone payment service system comprising: a local exchange for triggering an incoming call to an intelligent network on a telephone call to a service subscription telephone number; A service exchanger that receives the incoming trigger and forwards the telephone call to the service controller; Receives a telephone call from the service exchanger, checks whether a service is subscribed, and transfers an incoming / outgoing telephone number to a payment broker server through a network interworking gateway, and transfers a telephone call connected between the buyer and the seller according to a call transfer request. The service controller for transferring a call to a phone banking system of a financial institution and transferring a payment ID generated in the payment broker server to the phone banking system; The network interworking gateway for interworking the service controller and the payment broker server; And record the incoming / outgoing telephone number transmitted through the network interworking gateway in a payment database, and converts a call to the service controller through the network interlocking gateway according to a payment intermediation request from a seller terminal connected through the Internet at the time of a buyer's payment. Characterized in that made including the payment intermediation server for requesting.

In addition, the present invention is equipped with the phone banking system, and provides a known telephone payment service (phone banking payment service, Internet banking payment service, credit card payment service) for the buyer's call transferred by the service controller; Characterized in that it further comprises a payment server of the financial institution to provide.

On the other hand, the present invention, a payment service method using a telephone, comprising the steps of: registering a telephone number subscribed to a service; Unconditionally triggering an incoming call to an intelligent network on a telephone call to a service subscribed telephone number; Receiving a telephone call from the intelligent network, checking whether the service is subscribed, delivering a calling / incoming telephone number to a payment broker server, and connecting a telephone between the calling / incoming telephone (buyer / seller telephone); Recording, at the payment intermediation server, an incoming / outgoing telephone number transmitted from the intelligent network to a payment database; And in response to a payment intermediation request from a seller terminal connected through the Internet at the time of payment of the buyer, in the intelligent network, the telephone call connected between the buyer phone and the seller phone is transferred to the phone banking system of the buyer phone and the financial institution, and the payment broker server By passing the generated payment ID (ID) to the phone banking system, characterized in that it comprises a step of making a known telephone payment service is made.

In addition, the present invention, when the buyer and the seller is a phone call, when the buyer selects the payment bank to pay, the seller terminal is connected to the payment intermediation server, the seller's phone number (called phone number), payment items, payment Delivering the amount and payment bank information; And after the payment intermediation server inquires the buyer's phone number (outgoing phone number), generates a payment ID and transmits the generated payment ID to the payment server of the financial institution.

In addition, the present invention is characterized in that it further comprises the step of displaying, in the intelligent network, the payment ID as the outgoing telephone number (CID) in the phone banking system.

In addition, the present invention further comprises the step of performing a known telephone payment service (phone banking billing service, Internet banking billing service, credit card billing service) between the switched caller phone and the phone banking system. It is characterized by.

On the other hand, the present invention, the telephone payment service system having a processor, the function of registering a telephone number subscribed to the service; A function of unconditionally triggering an incoming call to an intelligent network on an incoming call to a service subscribed phone number; Receiving a telephone call from the intelligent network, checking whether the user subscribes to the service, transferring a calling / incoming telephone number to a payment broker server, and connecting a telephone between the calling / incoming telephone (buyer / seller telephone); A function of recording, at the payment intermediation server, an incoming / outgoing telephone number transmitted from the intelligent network to a payment database; And in response to a payment intermediation request from a seller terminal connected through the Internet at the time of payment of the buyer, in the intelligent network, the telephone call connected between the buyer phone and the seller phone is transferred to the phone banking system of the buyer phone and the financial institution, and the payment broker server By providing the generated payment ID (ID) to the phone banking system, it provides a computer-readable recording medium recording a program for realizing the function to make a known telephone payment service.

In addition, the present invention, when the buyer and the seller is a phone call, when the buyer selects the payment bank to pay, the seller terminal is connected to the payment intermediation server, the seller's phone number (called phone number), payment items, payment The ability to pass the amount, payment bank information; And after the payment intermediation server inquires the buyer's telephone number (outgoing telephone number), generates a payment ID (ID) and transfers the program to the payment server of the financial institution to further realize a function for recording the program. Provide a record carrier.

The present invention also provides a computer-readable recording medium having recorded thereon a program for realizing the step of displaying the payment ID as an outgoing telephone number (CID) on the phone banking system in the intelligent network upon call transfer.

The present invention allows a user to use the payment of goods purchased from a company that subscribes to the service by using the intelligent network system and payment intermediation server unconditional incoming trigger of the intelligent network through a general telephone.

HelloPay service, which is an existing telephone payment service, uses a specific intelligent network number. However, in the present invention, when a subscriber of a general phone number or a representative telephone number also subscribes to the service, the caller's call is raised to the intelligent network using a trigger function of an exchange. Send a phone payment.

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 telephone payment service system using an unconditional incoming trigger according to the present invention.

As shown in Figure 1, the telephone payment service system using the unconditional incoming trigger according to the present invention, the intelligent network system (40) to receive a telephone call to the service subscription phone number (seller's general phone number or representative phone number, etc.) A local exchange 30 for receiving an incoming trigger, a service switching point (SSP) 44 for receiving an incoming trigger and forwarding a telephone call to a service controller (SCP) 43, and a service switch (SSP). Receives a telephone call from the (44), and checks whether or not to subscribe to the service based on the subscriber database 42, and forwards the incoming / outgoing phone number to the payment broker server 50 through the network interworking gateway 41, According to the call transfer request, a phone call connected between the buyer (buyer phone 10) and seller (seller phone 22) is transferred to the phone banking system / ARS 61 of the buyer (buyer phone 10) and financial institution 60. Call to Service control point (SCP) 43, a service controller (SCP) 43 and a payment intermediation server for transferring the payment ID generated in the first mediation server 50 to the phone banking system / ARS 61 The network interworking gateway 41 for interworking 50 and the caller / incoming telephone number transmitted through the network interworking gateway 41 are recorded in the payment database 51, and the seller terminal connected through the Internet at the time of payment of the buyer. A payment intermediation server 50 for requesting a call transfer to the service controller (SCP) 43 through the network interworking gateway 41 according to the payment intermediation request (PC, notebook, etc.) 21. In addition, a phone banking system / ARS 61 is provided, and a known telephone payment service (phone banking payment service, internet banking payment service, credit) for the purchaser's call transferred by the service controller (SCP) 43 is provided. It further includes a payment server 62 of the financial institution 60 for providing a card payment service.

Here, the well-known telephone payment service is a well-known phone banking payment service, an internet banking payment system, a credit card payment system that enables payment of goods (eg chicken value, pizza value, etc.) by phone. It should be interpreted as a concept that includes services.

In particular, in the above, the telephone (outgoing telephone) 10 of the service user (buyer) is a terminal capable of making a voice call, and the telephone (called telephone) 22 of the service subscriber (seller) is voiced with the service user (buyer). All you need is a terminal that can make calls. Therefore, it is clear that the voice call function is not limited to the type of the terminal as long as the voice call function is possible in the incoming and outgoing call phones 10 and 22. Of course, the telephone (incoming telephone) 22 and the seller terminal (PC, notebook, etc.) 21 of the service subscriber (seller) can be configured separately, but can also be configured integrally. In this case, the integrated terminals 21 and 22 are sufficient as the terminal capable of voice call and Internet connection.

In the telephone payment system using the unconditional incoming trigger function according to the present invention, even general stores (for example, small chicken shops, pizzerias, etc.) without an intelligent network number for HelloPay, such as general phone number or representative phone number subscriber to If you sign up, make sure your phone payment service is available.

In order to do this, when the first general phone number or the representative phone number is received (received by the seller's phone number), the subscriber (seller) of the service should be monitored by the intelligent network system 40. do.

Second, to transfer the call between the buyer (buyer phone 10) and seller (seller phone 22) to the phone banking system / ARS 61 of the financial institution 60 and the buyer's phone 10 You must know the buyer's telephone number (CID).

Third, the seller system 20 should notify the call transfer time to make the phone payment at the desired time, the call transfer to the corresponding bank (financial institution 60).

Therefore, in the first local exchange (LE) 30, when a call is received by the corresponding service subscriber (seller phone 22) by using the unconditional triggering function, the first local exchange (LE) 30 passes to the service switch (SSP) 44 of the intelligent network system 40. The call is forwarded so that it can be monitored by the service controller (SCP) 43.

Second, when a call is forwarded to a service exchanger (SSP) 44 and monitored by a service controller (SCP) 43, the service controller (SCP) 43 sends the call / call number of the call to the network interworking gateway 41. Through the payment broker server 50 to pass through. Thereafter, the payment intermediation server 50 records the corresponding incoming / outgoing phone number in the payment DB 51, and when the seller transmits a payment mediation request message using the terminal (PC, laptop, etc.) 21, the payment DB Viewing the calling party's telephone number (ie, the purchaser's telephone number (CID)) recorded in 51, the network interworking gateway 41 requests a call transfer.

Third, the seller terminal (PC, notebook, etc.) 21 is connected to the payment intermediation server 50 via the Internet to send a call transfer request, it is possible to transfer the call to the bank (financial institution 60).

The payment intermediation server 50 in the payment terminal (PC, notebook, etc.) 21, the payment DB (incoming phone number) of the buyer's phone number (incoming phone number) currently connected to the seller's phone number (called phone number), 51 ) Is provided. In this settlement DB 51, the incoming / outgoing telephone number (buyer telephone number, seller's telephone number) monitored by the intelligent network system 40 by the incoming trigger is transmitted and recorded through the network interworking gateway 41.

Therefore, during a phone call between the buyer (buyer phone 10) and the seller (seller phone 22), when the buyer selects the payment bank to make a payment, the seller passes through the seller terminal (PC, laptop, etc.) 21. It connects to the payment intermediation server 50 and delivers the seller's phone number (incoming phone number), payment items, payment amount, and payment bank information, and the payment intermediation server 50 transmits the buyer's phone in the payment DB 51. After querying the number (outgoing telephone number), a payment ID (ID) is generated and transferred to the payment server 62 of the financial institution 60 to register the payment.

The payment intermediation server 50 transmits a payment intermediation request to the network interworking gateway 41, and the network interworking gateway 41 transmits a call transfer request to the service controller (SCP) 43.

At this time, the payment intermediation server 50 informs the network interworking gateway 41 of the originating / receiving phone number so that call transfer can be performed when the payment intermediation request is made.

Then, the service controller (SCP) 43 transfers the telephone call connected between the buyer (buyer phone 10) and the seller (seller phone 22) according to the call transfer request of the network interworking gateway 41. 10)) and the call banking system / ARS 61 of the financial institution 60. At this time, when the call is transferred, the payment ID is displayed on the phone banking system / ARS 61 as an outgoing telephone number (CID) to distinguish the transaction.

Thereafter, a known telephone payment service (phone banking payment service, internet banking payment service, credit card payment service, etc.) may be provided to the transferred caller's phone.

Then, the telephone payment service method using the unconditional incoming trigger according to the present invention with reference to FIG.

First, it is assumed that a general phone number or a representative phone number subscriber (seller) subscribes to the service in a general store (for example, a small chicken house, a pizza house, etc.) that does not have an intelligent network number for HelloPay.

If the service user (buyer) calls the service subscriber (seller) to order the goods (201), at this time, the local exchange (LE) 30 looks at the incoming telephone number and the service switch (SSP) of the intelligent network system 40 (44) unconditionally triggers an incoming call (202).

At this time, the call to the service switch (SSP) 44 of the intelligent network system 40 is monitored by the service controller (SCP) 43 (203), the buyer's phone number (outgoing phone number) and the seller's phone number (incoming call) Number) is transmitted to the payment broker server 50 through the network interworking gateway 41 (204). Here, the call monitoring process 203 in the service controller (SCP) 43 may optionally be implemented. Therefore, a call triggered by the service switcher (SSP) 44 (origination / incoming telephone number) can be directly transmitted to the payment intermediation server 50 through the network interworking gateway 41. However, the service controller (SCP) 43 checks whether the service is a subscriber (seller) based on the subscriber DB 42 at the time of call monitoring (203) (confirms through the seller's phone number), and the subscriber of this service (seller). It will be more desirable to transmit the incoming triggered call (calling / receiving telephone number) to the payment intermediation server 50 through the network interworking gateway 41 for the.

Subsequently, the service controller (SCP) 43 requests (commands) a call connection to the service switcher (SSP) 44 after the call monitoring, and the service switcher (SSP) 44 calls the incoming call to the seller's telephone 22. Ring 206, a telephone is connected 207 between the buyer (buyer phone 10) and the seller (seller phone 22).

Thereafter, via telephone call 207, the buyer and seller exchange order information.

In this state, while the phone is connected between the buyer (buyer phone 10) and the seller (seller phone 22), the payment intermediation server 50 pays the incoming / outgoing phone number received through the network interworking gateway 41. The data is updated and recorded in the DB 51 (208). At this time, the method stored in the payment DB 51 is stored by updating in real time the outgoing telephone number (buyer phone number) currently connected to each telephone number (seller phone number).

If the buyer selects the payment bank to make a payment during a phone call, the seller uses the seller terminal (PC, laptop, etc.) 21 to access the payment intermediation server 50, and delivers the seller's phone number ( 209). Then, the item to be paid and the payment amount and the information of the payment bank is transferred (210). In response to this, the payment intermediation server 50 inquires the purchaser's phone number (CID) mapped to the seller's phone number in the payment DB 51 (211) and generates a payment ID as a number (212).

Thereafter, the payment intermediation server 50 generates a payment ID and then transfers the generated payment ID to the payment server 62 of the financial institution 40 and registers the corresponding payment (213).

In addition, the payment intermediation server 50 transmits the payment intermediation request (which may be in the form of a message including a payment ID) to the network interworking gateway 41 (214). At this time, the payment intermediation server 50 informs the network interworking gateway 41 of the originating / receiving phone number so that call transfer can be performed when the payment intermediation request is made.

Thereafter, the network interworking gateway 41 sends a call transfer request (which may be in the form of a message including a payment ID) to the service controller 43 (215). In this regard, the service controller (SCP) 43 transfers the currently connected buyer phone 10 and seller phone 22 to the phone banking system / ARS 61 of the buyer phone 10 and the bank (financial institution 60). Connect (call transfer) (at this time, request (command) call transfer to service switcher (SSP) 44), and make the payment ID shown to the phone banking system / ARS 61 as outgoing telephone number (CID) 216, the phone banking system / ARS 61 of the financial institution 60 to easily distinguish the transaction.

Thereafter, the buyer's phone 10 is connected to the phone banking system / ARS 61 of the financial institution 60, the phone banking system / ARS 61 informs the user and the amount of use and performs the authentication process and payment End (217).

Thereafter, when the telephone payment result is notified to the payment server 62 (218), the payment server 62 informs the result of the payment to the payment broker server 50, and the payment broker server 50 reports the result to the seller terminal 21. Informed by (220).

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 carried out 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.

In the present invention as described above, even in general stores (for example, small chicken shops, pizzerias, etc.) that do not have an intelligent network number for HelloPay, the general telephone number or the representative phone number subscribers also subscribe to this service There is a possible effect.

Claims (14)

In the telephone payment service system, A local exchange for triggering an incoming call on the service subscription phone number to the intelligent network; A service exchanger that receives the incoming trigger and forwards the telephone call to the service controller; Receives a telephone call from the service exchanger, checks whether a service is subscribed, and transfers an incoming / outgoing telephone number to a payment broker server through a network interworking gateway, and transfers a telephone call connected between the buyer and the seller according to a call transfer request. The service controller for transferring a call to a phone banking system of a financial institution and transferring a payment ID generated in the payment broker server to the phone banking system; The network interworking gateway for interworking the service controller and the payment broker server; And Record the incoming / outgoing telephone number delivered through the network interlocking gateway in a payment database, and transfers a call to the service controller through the network interlocking gateway according to a payment intermediation request from a seller terminal connected through the Internet at the time of a buyer's payment. The payment broker server to request Telephone payment service system using an unconditional incoming trigger comprising a. The method of claim 1, A financial institution equipped with the phone banking system for providing a known telephone payment service (phone banking payment service, internet banking payment service, credit card payment service) to the buyer's call transferred by the service controller. Billing Server Telephone payment service system using an unconditional incoming trigger further comprising a. The method of claim 1, The payment broker server, Based on the payment database, the phone payment service using the unconditional incoming trigger, characterized in that the seller terminal can query the phone number (outgoing phone number) of the buyer currently connected to the seller's phone number (called phone number) system. The method according to any one of claims 1 to 3, When the seller terminal selects a payment bank to make a payment during a phone call between the buyer and the seller, the seller terminal accesses the payment brokerage server, and includes the seller's phone number (called phone number), payment item, payment amount, and payment bank information. Pass it, The payment intermediary server, after querying the buyer's phone number (originating phone number), generates a payment ID (ID) and delivers to the payment server of the financial institution, characterized in that the unconditional incoming call trigger system. The method of claim 4, wherein The service controller, The telephone payment service system using the unconditional incoming trigger, characterized in that for displaying the call ID as the outgoing telephone number (CID) to the phone banking system. The method of claim 5, The seller's phone number (called phone number) is Telephone payment service system using an unconditional incoming trigger, characterized in that the general phone number or one of the representative phone number. In the payment service method using a telephone, Registering a service subscribed telephone number; Unconditionally triggering an incoming call to an intelligent network on a telephone call to a service subscribed telephone number; Receiving a telephone call from the intelligent network, checking whether the service is subscribed, delivering a calling / incoming telephone number to a payment broker server, and connecting a telephone between the calling / incoming telephone (buyer / seller telephone); Recording, at the payment intermediation server, an incoming / outgoing telephone number transmitted from the intelligent network to a payment database; And In response to a payment intermediation request from a seller terminal connected through the Internet at the time of a buyer's payment, the telephone network connected between the buyer's phone and the seller's phone in the intelligent network is transferred to the phone banking system of the buyer's phone and the financial institution and generated by the payment intermediation server. By transmitting the received payment ID (ID) to the phone banking system, a known telephone payment service is made Telephone payment service method using an unconditional incoming trigger comprising a. The method of claim 7, wherein When the buyer and the seller are talking on the phone and the buyer selects the payment bank to make a payment, the seller terminal accesses the payment intermediation server and displays the seller's phone number (called phone number), payment item, payment amount, and payment bank information. Delivering; And The payment intermediary server looks up the buyer's phone number (outgoing phone number) and generates a payment ID (ID) to pass to the payment server of the financial institution Phone payment service method using an unconditional incoming trigger further comprising a. The method of claim 8, Displaying the payment ID as an outgoing telephone number (CID) on the phone banking system in the intelligent network when the call is transferred. Phone payment service method using an unconditional incoming trigger further comprising a. The method according to any one of claims 7 to 9, Performing a known telephone payment service (phone banking payment service, internet banking payment service, credit card payment service) between the transferred buyer's phone and the phone banking system; Phone payment service method using an unconditional incoming trigger further comprising a. The method of claim 9, The telephone number (called telephone number) of the seller's telephone is The telephone payment service method using an unconditional incoming trigger, characterized in that the general telephone number or the representative telephone number. In a telephone payment service system having a processor, Registering a service subscribed telephone number; A function of unconditionally triggering an incoming call to an intelligent network on an incoming call to a service subscribed phone number; Receiving a telephone call from the intelligent network, checking whether the user subscribes to the service, transferring a calling / incoming telephone number to a payment broker server, and connecting a telephone between the calling / incoming telephone (buyer / seller telephone); A function of recording, at the payment intermediation server, an incoming / outgoing telephone number transmitted from the intelligent network to a payment database; And In response to a payment intermediation request from a seller terminal connected through the Internet at the time of a buyer's payment, the telephone network connected between the buyer's phone and the seller's phone in the intelligent network is transferred to the phone banking system of the buyer's phone and the financial institution and generated by the payment intermediation server. By passing the payment ID (ID) to the phone banking system, the function to make a known telephone payment service A computer-readable recording medium having recorded thereon a program for realizing this. The method of claim 12, When the buyer and the seller are talking on the phone and the buyer selects the payment bank to make a payment, the seller terminal accesses the payment intermediation server and displays the seller's phone number (called phone number), payment item, payment amount, and payment bank information. The ability to deliver; And The payment intermediary server looks up the buyer's phone number (outgoing phone number) and generates a payment ID (ID) to deliver to the payment server of the financial institution A computer-readable recording medium that records a program for further realization. The method of claim 13, Displaying the payment ID as an outgoing telephone number (CID) on the phone banking system in the intelligent network when the call is transferred. A computer-readable recording medium that records a program for further realization.

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