KR100736140B1 - Method for requesting a expense using a phone and computer readable record medium on which a program therefor is recorded - Google Patents

Abstract

The present invention relates to a cost payment method using a communication terminal, the method comprising the steps of: (a) transmitting to a payer communication terminal a voice message relating to whether or not to pay; (b) determining whether a payer's identification number has been received from the payer communication terminal; (c) if the identification number is received as a result of the step (b), transmitting the received identification number to a carrier server, and then transmitting a signal for requesting a payer's identity; (d) determining whether an approval signal for payer identification has been received from the carrier server; (e) If the approval signal is received as a result of the step (d) above, request that the payer pay the sum of the payment to be paid by the payer to the telecommunications company server in addition to the telecommunication terminal fee. step; (f) transmitting a voice message relating to the settlement contents guidance to the payer communication terminal; (g) determining whether the number of attempts to authenticate the user is less than a predetermined number of times when the authorization signal is not received as a result of the determination of step (d); And (h) returning to step (b) if less than a predetermined number of times, as a result of the determination of step (g), and transmitting a voice message related to the incapable of authenticating to the payer communication terminal if more than the predetermined number of times; It includes.

Communication terminal, voice message, VMS, payment

Description

Method for requesting a expense using a phone and computer readable record medium on which a program therefor is recorded}

1 is an exemplary view of an information communication system according to an embodiment of the present invention.

2 is a flowchart illustrating a cost payment method using a communication terminal according to an embodiment of the present invention.

3 is an exemplary view of an information communication system according to another embodiment of the present invention.

4 is an overall flowchart of a cost payment method using a communication terminal according to another embodiment of the present invention.

5 is an exemplary view showing a screen for selecting a payment telephone number and a payment carrier according to another embodiment of the present invention.

Figure 6 is an illustration of a payment approval screen according to another embodiment of the present invention.

7 is an overall flowchart of a payment method using a communication terminal according to another embodiment of the present invention.

The present invention relates to a payment method using a communication terminal and a computer-readable recording medium recording a program for executing the same, and more particularly, to send a voice prompt message about the payment payment through a communication terminal and voice The present invention relates to a method of paying a cost using a communication terminal and to a computer readable recording medium having recorded thereon a program for executing the same.

Related to the method of paying the bill using a conventional information and communication network has been filed a number of applications other than the Republic of Korea Patent Publication No. 2000-0063938 'service fee payment method using cyber money on the Internet'.

The 'service fee payment method using cyber money on the Internet' includes a login step of confirming a member of a client connected to a server of a service company, and the client confirms a service fee to be paid by the client at the service company website. Requesting, outputting the service fee of the client on the web page by the service company server that recognizes the key input on the website, and checking the payment amount on the website, the client selects a payment method on the web page. And the client selecting the cyber money payment as a payment means, the client confirming his / her accumulated cyber money on the service company website, and making his / her own cyber money on the website. Confirming and paying for the service fee; The service company comprising the step of notifying the completion of payment of the client to the server and the cyber money earned, the method comprising: subtracting the earned cyber money of that client in the cyber money earned server receiving the payment completion notification from the service on the corporate server.

However, the present invention was inconvenient to purchase the cyber money, and to check their cyber money each time a payment is made.

In addition, the present invention has a problem in that the payer confirms the payment date and needs to perform the above-described process before the payment date.

An object of the present invention is to solve the above problems, it is to be able to simply pay the amount of payment without the need to purchase cyber money or check the remaining cyber money for payment.

Another object of the present invention is to enable the payment of the payment amount before the payment date by notifying the payer through the voice message system (VMS) and information on the payment amount before the payment date.

The present invention for achieving the above object, relates to a method for paying a cost using a communication terminal, the method comprising the steps of: (a) the operator server transmitting a voice message regarding whether or not to pay to the payer communication terminal; (b) determining whether the operator server has received the payer's identification number from the payer communication terminal; (c) if the identification number is received as a result of the step (b), after the operator server transmits the received identification number to a carrier server, transmitting a signal for requesting a payer's identity; (d) determining whether the operator server has received an approval signal regarding the payer identity verification from the carrier server; (e) If the approval signal is received as a result of step (d), the operator server charges the payment amount to be paid by the payer to the telecommunication company server by adding the telecommunication terminal fee to the telecommunication server fee. Requesting to do so; (f) transmitting, by the operator server, a voice message regarding payment information guidance to the payer communication terminal; (g) determining, by the operator server, whether or not the number of authentication attempts is less than a predetermined number when the approval signal is not received as a result of the determination of step (d); And (h) if it is less than a predetermined number of times, as a result of the determination of step (g), the operator server returns to step (b), and if more than the predetermined number of times, the operator server is associated with the inability to authenticate to the payer communication terminal. Sending a voice message; It includes.

Preferably, before the step (a), the operator server receives and stores the billing request information including the telephone number of the payer's communication terminal, the payment fee and the order number from the storage client computer; It characterized in that it further comprises.

Also preferably, after the step (f), when the operator server receives the information on the payment result from the carrier server, the operator server transmits a voice message or a short message about the payment result to the payer communication terminal. Doing; It characterized in that it further comprises.

On the other hand, the present invention relates to a payment method using a communication terminal (a ') the operator server using the payment screen linked to the Web site opened by the storage client or the payment telephone number from the payer through the storage client computer Receiving; (b ') transmitting, by the operator server, a voice message relating to whether or not payment is desired to a payer communication terminal; (c ') receiving, by the operator server, a payer's identification number from the payer communication terminal; (d ') transmitting, by the operator server, a signal for requesting a payer's identity while transmitting the received identification number to a carrier server; (e ') determining whether the operator server has received an approval signal regarding the payer identity verification from the telecommunication company server; (f ') in response to receiving the approval signal from the determination result of step (e'), transmitting, by the operator server, payment approval information to at least one of the payer communication terminal, the payer computer, and the storage client computer; (g ') determining, by the operator server, whether the number of authentication attempts is less than a predetermined number when the approval signal is not received as a result of the determination of step (e'); And (h ') when the determination result of step (g') is less than a predetermined number of times, the operator server returns to step (c '), and when more than the predetermined number of times, the operator server authenticates the identity to the payer communication terminal. Transmitting a voice message associated with the disabling; It includes.

On the other hand, the present invention relates to a payment method using a communication terminal, (a '') the operator server using the payment screen linked to a website opened by the storage client or the payment telephone from the payer through the storage client computer Receiving a number and an identification number of the payer; (b '') transmitting the telephone number and identification number received by the operator server to a communication company server and transmitting a signal for requesting identity authentication; (c '') determining whether the operator server has received an approval signal for the payer identity verification from the carrier server; (d '') if the approval signal is received as a result of the determination in step (c ''), transmitting, by the operator server, a voice prompt message regarding whether to agree to the payment to the payer communication terminal; (e '') determining whether the operator server has received a signal related to payment approval from the payer communication terminal; (f '') If the determination result of step (e '') receives a signal related to the payment approval, the operator server transmits information related to payment completion to at least one of the payer communication terminal and the storage client computer. step; (g '') determining, by the operator server, whether the number of attempts to authenticate the user is less than a predetermined number when the approval signal is not received as a result of the determination of step (c ''); And (h '') when the determination result of step (g '') is less than a predetermined number of times, the operator server returns to the step (a ''), and when more than the predetermined number of times, the operator server is a storage client computer or Transmitting a message related to identity verification impossible on the payment screen; It includes.

Preferably the identification number is characterized in that the resident code.

On the other hand, the present invention for the payment of costs using a communication terminal, (A) the operator server a function for transmitting a voice message about whether or not to pay to the payer communication terminal; (B) determining whether the operator server has received the payer's identification number from the payer communication terminal; (C) a function of transmitting a signal for requesting a payer's identity after the operator server transmits the received identification number to a carrier server when the identification number is received as a result of the determination of the function (B); (D) a function for determining whether the operator server has received an approval signal for the payer identity verification from the carrier server; (E) Upon receiving the approval signal as a result of the determination of the function (D), the operator server charges the payment amount to be paid by the payer to the telecommunication company server by adding the telecommunication terminal fee to the telecommunication terminal fee. Requesting to do so; (F) the operator server transmits a voice message regarding payment information guidance to the payer communication terminal; (G) a function for determining, by the operator server, whether the number of authentication attempts for the user is less than a predetermined number when a result of the determination of the function (D) is not received; And (H) if it is less than a predetermined number of times as a result of the determination of the (G) function, the operator server returns to the (B) function, and if more than the predetermined number of times, the operator server is associated with the inability to authenticate to the payer communication terminal. Sending a voice message; And a computer readable recording medium having recorded thereon a program for executing the program.

On the other hand, in the present invention, in order to pay the cost using the communication terminal, (A ') the operator server receives a payment phone number from the payer through the payment screen linked to the web site opened by the storage client or through the storage client computer Function; (B ') a function of transmitting, by the operator server, a voice message relating to whether payment is desired to a payer communication terminal; (C ') the operator server receiving the payer's identification number from the payer communication terminal; (D ') a function of transmitting a signal for requesting a payer's own authentication while the operator server transmits the received identification number to a carrier server; (E ′) a function for determining whether the operator server has received an approval signal for the payer identity verification from the carrier server; (F ') a function of transmitting, by the operator server, the payment approval information to at least one of the payer communication terminal, the payer computer, and the storage requester computer when receiving the approval signal as a result of the determination of the function (E'); (G ') a function of determining, by the operator server, whether the number of authentication attempts for the user is less than a predetermined number when a result of the determination of the function (E') is not received; And (H ') when the determination result of the function (G') is less than a predetermined number of times, the operator server returns to the function (C '), and when more than the predetermined number of times, the operator server authenticates the identity to the payer communication terminal. Transmitting a voice message associated with the disability; And a computer readable recording medium having recorded thereon a program for executing the program.

On the other hand, the present invention provides a payment phone number and payment from the payer via the payment screen (A '') the operator server linked to the web site opened by the storage client or the storage client computer (A '') to pay the costs using the communication terminal Receiving a payer's identification number; (B '') a function of transmitting a signal for requesting identity authentication by transmitting the telephone number and identification number received by the operator server to a communication company server; (C '') a function for determining whether the operator server has received an approval signal for the payer identity verification from the carrier server; (D '') a function of transmitting, by the operator server, a voice prompt message regarding whether to agree to a payment to the payer communication terminal when receiving the approval signal as a result of the determination of the function (C ''); (E '') determining whether the operator server has received a signal related to payment approval from the payer communication terminal; (F '') when the determination result of the function (E '') is received, the operator server transmits the information related to payment completion to at least one of the payer communication terminal and the storage client computer when the signal related to the payment approval is received. function; (G '') a function of determining, by the operator server, whether the number of attempts for authentication of the user is less than a predetermined number when a result of the determination of the function (C '') is not received; And (H '') the operator server returns to the function (A '') if less than a predetermined number of times as a result of the determination of the (G '') function, and if the operator server is greater than or equal to the predetermined number of times, the operator server or Transmitting a message related to identity verification impossible on the payment screen; And a computer readable recording medium having recorded thereon a program for executing the program.

Preferably, the identification number includes a computer-readable recording medium recording a program for payment of costs using a communication terminal, characterized in that the resident code.

Hereinafter, with reference to the accompanying drawings will be described in detail the present invention.

The configuration of an information communication system according to an embodiment of the present invention will be described with reference to FIG. 1 as follows.

1 is an exemplary view of an information communication system according to an embodiment of the present invention.

As shown in FIG. 1, an information communication system to which the present invention is applied includes an information communication network 10, a storage client computer 100, a payer communication terminal 200, an operator server 300, and a carrier server 400. Include.

The information communication network 10 includes an internet network including a wired internet network using a TCP / IP protocol and a wireless internet network using a WAP protocol, and a wired and wireless telephone network.

In addition, the storage client computer 100 is an institution that charges utilities or taxes, financial institutions that request loans and interest, credit guarantee institutions that request repayment of debts, companies that charge communication fees or various service fees, or A computer, such as a group that performs various fundraising, functions to provide the operator server 300 with information including the telephone number of the payer communication terminal 200 and the billed amount thereof through the information communication network 10.

In the present embodiment, the client computer 100 is a Pentium-class CPI, 64Mb or more RAM, a hard disk, an information input device including a CD-ROM, a mouse and a keyboard, an information output including a monitor, a speaker, a printer and a communication port. A communication computer device including a device, including a Windows 98 operating system or the like, having an Internet browser capable of displaying web contents, and setting as a personal computer such as a desktop computer and a notebook computer, the present invention provides a It is not limited to a specification and a kind.

In addition, the payer communication terminal 200 receives and outputs a voice message about the amount of the sum paid by the payer to the communication fee from the operator server 300, and outputs a voice message, the information on the payment agreement entered by the payer and It performs the function of transmitting the identity information.

In the present embodiment, the payer communication terminal will be set as a personal mobile terminal such as a cellular phone, a PCS, a PDA, and an IMT-2000. However, the present invention is not limited thereto, and may be set as a wired telephone terminal.

In addition, the operator server 300 receives information about the payer and the payment amount from the storage client computer 100, and the information about the payment amount received from the storage client computer 100 to the payer communication terminal 200 And transmitting information on whether to pay in a voice message, receiving information for payment approval and identity authentication from the payer communication terminal 200, and receiving approval information about identity authentication from the carrier server 400. In this case, a function of calculating the amount of payment notified is performed, the CPU 310, the memory device 320, the data storage device 330, a data input device 340 including a mouse and a keyboard (not shown), A data output device 350 including a printer (not shown), and a data display device (360) including a monitor (not shown).

The central processing unit 310 must be able to perform a large number of business processing, mutual information exchange and perform a number of mathematical calculations and to examine the database stored in the data storage device, it is operated by a separate operating system.

In addition, the memory device 320 temporarily stores data according to the present invention, and is preferably a memory device of 1 GB or more.

In addition, the data storage device 330 manages a database by general commercial database management software, and includes a voice message DB and a settlement DB.

The voice message DB stores information related to various voice messages transmitted from the operator server to the payer communication terminal according to an embodiment of the present invention.

The settlement DB stores settlement information including information related to a billing fee requested by a storage client, a payment approval date of a payer, and a payment amount.

When the payment information is received from the operator server 300, the carrier server 400 performs identification and if there is no problem, adds the payment fee to the payer's communication fee and issues a bill thereafter. When the billed amount is paid to the telecommunications company, the operator server 300 performs a function of notifying a payment matter regarding a payment cost and calculating the billed cost.

The overall flow of the method for paying a cost using a communication terminal according to an embodiment of the present invention using the system will be described below with reference to FIG. 2.

2 is a flowchart illustrating a cost payment method using a communication terminal according to an embodiment of the present invention.

The central processing unit 310 of the operator server receives the billing agent request information including the telephone number of the payer's communication terminal, the payment cost and the order number from the storage client computer 100 and stores in the settlement DB (S2).

The central processing unit 310 is the payer's communication terminal 200, for example, "a message sent by the operator. To listen, please press the '1'", such as a voice message about whether to listen to the payment contents Transmit (S4).

The central processing unit 310 determines whether or not a reception desired signal has been received from the communication terminal 200 regarding whether to listen to the payment contents (S6).

As a result of the determination in step S6, when the desired signal for listening is received, the central processing unit 310 is the payer's communication terminal 200, for example, "Hello? Operator. September 2004 Do you want to pay for the purchase of clothing on your mobile phone? If you want, please input your social security number 13 digits ".

The central processing unit 310 determines whether the resident number of the payer is received from the payer communication terminal 200 (S10).

In the present embodiment, the operator server set the information received from the communication terminal for the identity of the payer of the resident number, but the present invention is not limited to this, at least any one of numbers and letters that can confirm the identity of the payer If the identifier is configured can replace the social security number.

As a result of the determination in step S10, when receiving the social security number, the central processing unit 310 stores the social security number reception time in the settlement DB, and transmits the received social security number to the service provider server 400. After that, a signal for requesting a payer's identity is transmitted (S12).

The central processing unit 310 determines whether the approval signal for the payer's identity authentication is received from the telecommunication company server 400 (S14).

As a result of the determination in step S14, when the approval signal is received, the central processing unit 310 charges the amount of the payment to be paid by the payer to the telecommunication company server 400 when the mobile phone cost is charged and charged. Request to give (S16).

The central processing unit 310 is the payer communication terminal 200, for example, "Thank you. The charges you paid will be billed in the mobile phone bill." Transmit (S18).

When the payer pays the payment within a predetermined period, the central processing unit 310 receives information about the payment result from the telecommunication company server 400, and sends the information to the payer communication terminal 200, for example. For example, "You paid the purchase price of clothing on September 20, 2004. Thank you.", Send a voice message or a short message about the payment result (S20).

As a result of the determination in step S14, when the approval signal is not received, the CPU 310 determines whether the number of attempts to authenticate the user is less than a predetermined number (S22).

As a result of the determination in the step S22, if less than a predetermined number of times, the central processing unit 310 returns to the step S10, and if more than a predetermined number of times, the central processing unit 310 to the payer communication terminal 200. For example, after transmitting the voice message related to the identity authentication (S24), such as "You can not perform the identity authentication with the social security number you sent" (S24), the communication terminal according to an embodiment of the present invention Terminate the system on how to pay expenses using.

As a result of the determination in step S10, if the social security number is not received, the central processing unit 310 terminates the system relating to the payment method using the communication terminal according to an embodiment of the present invention.

As a result of the determination in step S6, when the listening desired signal is not received, the central processing unit 310 terminates the system relating to the method for paying the cost using the communication terminal according to an embodiment of the present invention.

A cost payment system using a communication terminal according to another embodiment of the present invention will be described with reference to FIG. 3 as follows.

3 is an exemplary view of an information communication system according to another embodiment of the present invention.

As shown in FIG. 3, an information communication system according to another embodiment of the present invention includes an information communication network 10, a storage client computer 100, a payer communication terminal device 200, a payer computer 200 ′, an operator, and an operator. Server 300 and carrier server 400.

The information communication network 10, the storage client computer 100, the payer communication terminal device 200, the operator server 300 and the carrier server 400 is a component of the information communication system according to an embodiment of the present invention; Since functions and configurations are the same, the description is omitted below.

The payer computer 200 'is connected to the storage client computer 100 to perform electronic commerce and the like. Like the storage client computer 100, a Centium class of Pentium class, a RAM of 64Mb, a hard disk, a CD ROM and a mouse And an information input device including a keyboard, an information output device including a monitor, a speaker, a printer, and a communication port, and a computer device capable of communicating with a computer including a Windows 98 or higher operating system. Although it is set as a personal computer, such as a desktop computer and a notebook, this invention is not limited to the specification and the kind of the said computer.

The overall flow of the payment method using the communication terminal according to another embodiment of the present invention using the above system will be described with reference to FIGS. 4 to 6.

4 is a flowchart illustrating a payment method using a communication terminal according to another embodiment of the present invention, and FIG. 5 is a screen for selecting a payment telephone number and a payment carrier according to another embodiment of the present invention. 6 is an exemplary view of a payment approval screen according to another embodiment of the present invention.

The payer computer 200 ′ accesses the storage client computer 100 and performs a login procedure, and then performs an electronic commerce for the present invention (S32).

The central processing unit 310 receives the payment telephone number from the payer using the payment screen linked to the web site opened by the storage client or through the storage client computer (S34).

In the method of receiving the payment phone number from the payer through the storage client, the storage client computer 100 receives the payment phone number and the carrier information from the payer computer 200 'and sends the information to the operator server 300. It can be configured in such a way that it is delivered.

The screen for selecting a payment phone number and a payment carrier according to another embodiment of the present invention may include a display unit displaying a name of a payer, a payment amount, and a text for inputting a payment phone number at a stop thereof. An information input unit including a box and a radio button for selecting a carrier for payment is included, but the present invention is not limited thereto.

In the present embodiment, the payment phone number is set as the phone number of the mobile communication terminal, but the present invention is not limited thereto, and it is also possible to input the phone number of the landline phone.

The central processing unit 310 is a payer communication terminal 200, for example, "Hello? I am an operator. Would you like to pay for your purchases on September 14, 2004 by mobile phone? Please enter a seat ", and transmits a voice message regarding whether to pay (S36).

The central processing unit 310 receives the payer's social security number from the payer communication terminal 200 (S38).

The central processing unit 310 stores the social security number reception time in the settlement DB, and transmits a signal for requesting the payer's own authentication while transmitting the received social security number to the communication company server 400 (S40).

In this embodiment, but set to request the payer identity verification immediately upon receiving the resident number, the present invention is not limited to this, the central processing unit 310 receives the resident number from the payer communication terminal 200 Then, after determining whether the payment limit amount of the payer is larger than the amount to be paid through a separate database device, it is also possible to set to transmit a signal for requesting the payer's own authentication to the carrier server 400 only in many cases. .

The central processing unit 310 determines whether or not the approval signal for the payer's identity authentication from the carrier server 400 (S42).

As a result of the determination in step S42, when the approval signal is received, the central processing unit 310 transmits payment approval information to at least one of the payer communication terminal 200, the payer computer 200 ', and the storage client computer 100. Transmit to one side (S44).

In this embodiment, the payment approval information transmitted to the payer computer 200 'is transmitted using an example of the payment approval screen according to another embodiment of the present invention shown in FIG. Includes information about your payment phone number, payment amount, transaction number, and payment date and time.

The central processing unit 310 stores the payment approval information in the settlement DB (S46).

As a result of the determination in step S42, when the approval signal is not received, the CPU 310 determines whether the number of attempts to authenticate the user is less than a predetermined number of times (S48).

As a result of the determination in step S48, when less than a predetermined number of times, the central processing unit 310 returns to step S38, and when more than a predetermined number of times, the central processing unit 310 is sent to the payer communication terminal 200. For example, after transmitting the voice message related to the user's authentication impossibility (S50), such as "You can not perform the user authentication with the social security number you sent" (S50), the communication according to another embodiment of the present invention. Terminate the system regarding the payment method using the terminal.

Referring to FIG. 7, the overall flow of the payment method using the communication terminal according to another embodiment of the present invention using the system shown in FIG. 3 will be described.

7 is a flowchart illustrating a payment method using a communication terminal according to another embodiment of the present invention.

The central processing unit 310 of the operator server receives the payment phone number and the resident registration number of the payer from the payer through the payment screen linked to the web site opened by the storage client or through the storage client computer 100 (S52). .

The central processing unit 310 transmits the received phone number and social security number to the communication company server 400 and transmits a signal for requesting identity verification (S54).

The central processing unit 310 determines whether or not the approval signal for the payer's identity authentication from the carrier server 400 (S56).

As a result of the determination in step S56, when receiving the approval signal, the central processing unit 310 transmits to the payer communication terminal 200 a voice message indicating whether or not to agree to the payment (S58).

Unlike the other embodiment of the present invention, in the present embodiment, by simultaneously receiving a payment phone number and a social security number, performing user authentication, the overall process by transmitting a guide message on whether or not to accept the payment by voice This can shorten the cost and reduce the cost.

The CPU 310 determines whether a signal related to payment approval is received from the payer communication terminal 200 (S60).

As a result of the determination in step S60, when the signal related to the payment approval is received, the central processing unit 310 information related to payment completion to at least one of the payer communication terminal 200 and the storage client computer 100. Transmit (S62).

The central processing unit 310 stores the payment approval information in the settlement DB (S64).

As a result of the determination in step S56, if the approval signal is not received, the CPU 310 determines whether the number of attempts to authenticate the user is less than a predetermined number of times (S66).

As a result of the determination in step S66, if less than a predetermined number of times, the central processing unit 310 returns to step S52, and if more than a predetermined number of times, the central processing unit 310 is displayed on the storage client computer or the payment screen. After transmitting the message related to the identity authentication (S68), the system related to the payment method using the communication terminal according to another embodiment of the present invention ends.

In the embodiment of Figures 4 and 7, the operator server receives the payment phone number of the payer (S34, S52), the operator server delivers a one-time authentication number to the payer through the payment screen or storage client computer, If the payer enters the authentication number into the communication terminal according to the guide message when the operator server transmits the voice message to the payer communication terminal, the payer authentication may be enhanced by adding a process in which the operator server determines whether the authentication number matches. .

The present invention can be embodied as computer readable codes on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, and also include those implemented in the form of carrier waves such as transmission over the Internet. . The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

According to the present invention as described above, the settlement process is convenient by minimizing the preliminary procedure for payment and performing the personal authentication while guiding the payment method through voice message during payment, as well as transmitting information on the payment after the payment. And, after performing the payment quickly, there is an effect that can determine whether the payment is appropriate.

Claims (10)

A plurality of client computers, a plurality of payer communication terminals, and a plurality of service provider servers are connected to an operator server through an information communication network, and the operator server uses a communication terminal using a system including a voice message DB and a settlement DB. In the payment method, (a) transmitting, by the operator server, a voice message relating to whether payment is desired to a payer communication terminal; (b) determining whether the operator server has received the payer's identification number from the payer communication terminal; (c) if the identification number is received as a result of the step (b), after the operator server transmits the received identification number to a carrier server, transmitting a signal for requesting a payer's identity; (d) determining whether the operator server has received an approval signal regarding the payer identity verification from the carrier server; (e) If the approval signal is received as a result of step (d), the operator server charges the payment amount to be paid by the payer to the telecommunication company server by adding the telecommunication terminal fee to the telecommunication server fee. Requesting to do so; (f) transmitting, by the operator server, a voice message regarding payment information guidance to the payer communication terminal; (g) determining, by the operator server, whether or not the number of authentication attempts is less than a predetermined number when the approval signal is not received as a result of the determination of step (d); And (h) if the determination result of step (g) is less than a predetermined number of times, the operator server returns to the step (b), and if more than the predetermined number of times, the operator server makes a voice related to the inability to authenticate to the payer communication terminal. Sending a message; Including but not limited to: After step (f), When the operator server receives the information about the payment result from the telecommunication company server, transmitting, by the operator server, a voice message or a short message about the payment result to the payer communication terminal; Cost payment method using a communication terminal further comprising a. The method of claim 1, Before step (a) above, Receiving and storing, by the operator server, billing request information including a telephone number of a payer's communication terminal, a payment fee, and an order number from a storage client computer; Cost payment method using a communication terminal further comprising a. delete delete delete The method of claim 1, The identification number is a cost payment method using a communication terminal, characterized in that the resident code. To pay the cost of using a communication terminal, (A) the operator server transmits a voice message regarding whether or not to pay to the payer communication terminal; (B) determining whether the operator server has received the payer's identification number from the payer communication terminal; (C) a function of transmitting a signal for requesting a payer's identity after the operator server transmits the received identification number to a carrier server when the identification number is received as a result of the determination of the function (B); (D) a function for determining whether the operator server has received an approval signal for the payer identity verification from the carrier server; (E) Upon receiving the approval signal as a result of the determination of the function (D), the operator server charges the payment amount to be paid by the payer to the telecommunication company server by adding the telecommunication terminal fee to the telecommunication server fee. Requesting to do so; (F) the operator server transmits a voice message regarding payment information guidance to the payer communication terminal; (G) a function for determining, by the operator server, whether the number of authentication attempts for the user is less than a predetermined number when a result of the determination of the function (D) is not received; And (H) If the result of the determination of the function (G) is less than the predetermined number of times, the operator server returns to the function (B), and if more than the predetermined number of times, the operator server makes a voice associated with the identity of the person who cannot be authenticated to the payer communication terminal. Sending a message; Run the After the above (F) function, When the operator server receives the information on the payment result from the telecommunication company server, the operator server sends a voice message or a short message about the payment result to the payer communication terminal; A computer readable recording medium having recorded thereon a program for further execution. delete delete The method of claim 7, wherein The identification number is a computer-readable recording medium recording a program for payment of costs using a communication terminal, characterized in that the resident code.

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