KR101860269B1 - Server and method for interactive voice interface-based automatic transfer processing - Google Patents

Abstract

Disclosed are a server and method for interactive voice interface-based automatic transfer processing. The server for interactive voice interface-based automatic transfer processing according to an embodiment of the present invention receives billing requests from at least one billing server, transmits the billing requests to a voice recognition service server in order to guide a user to pay a bill by an automatic transfer through an interactive voice interface device, receives an automatic transfer application of the user from the voice recognition service server based on the recognition of a voice which means the application of the automatic transfer through a dialogue with the user by the interactive voice interface device, and transmits an automatic transfer command to a payment server based on the automatic transfer application. Accordingly, the present invention can improve the convenience of the user.

Description

TECHNICAL FIELD [0001] The present invention relates to a server and a method for automatic debit processing based on an interactive voice interface,

The following embodiments relate to a server and method for processing automatic debit using an interactive voice interface.

The application range of the interactive voice interface is getting wider. It is replacing or supplementing the existing interface as an interface for interaction with users as well as a life style device and an expert device.

A service that combines artificial intelligence and interactive voice interface for natural language processing can recognize a command through daily conversation with a user and can perform a desired operation by a user. The interactive voice interface based service called 'artificial intelligent voice secretary' provides various functions such as knowledge search, news guide, music playback, music recommendation, interpretation and translation, ordering, reservation, control of household appliances, Artificial intelligence platform using voice interface is being actively developed. Therefore, it is required to study techniques or services applying interactive voice interface.

Embodiments seek to implement a technique for guiding information associated with automatic debit via an interactive voice interface.

Embodiments are designed to design a server to handle a debit application using an interactive voice interface, and propose techniques of interoperability between servers.

Embodiments are seeking to propose a type of information to be acquired from a user to process a debit application using an interactive voice interface.

The interactive voice interface-based debit server according to one embodiment includes a communication unit for communicating with at least one billing server, at least one billing server, and a voice recognition service server coupled to the interactive voice interface device; And a control unit for controlling the communication unit, wherein the control unit receives bills from the at least one billing server, and directs the user through the interactive voice interface apparatus of a charge of a bill capable of being settled by direct debit The interactive voice interface device transmits the bill from the voice recognition service server to the voice recognition service server based on the speech recognition service server recognizing the voice corresponding to the application for the automatic transfer through the conversation with the user, Receives the user's automatic transfer request, and transmits the automatic transfer command to the payment server based on the automatic transfer request.

According to one embodiment, the control unit receives the personal information of the user from the voice recognition service server based on the voice recognized by the interactive voice interface apparatus, and transmits the personal information to the payment server have.

According to one embodiment, the automatic transfer of the fee may be processed by the payment server based on the personal information and the direct debit instruction.

According to one embodiment, the interactive voice interface apparatus can voice the user to the fact that payment of the fee is possible by automatic transfer.

According to one embodiment of the present invention, the interactive voice interface apparatus further comprises: a voice recognition service server that receives voice from the voice recognition service server based on the conversation with the user, It is possible to receive the automatic debit application by the pre-registered payment means, and to transmit the automatic debit order to the payment server corresponding to the pre-registered payment means.

According to one embodiment, the interactive voice interface apparatus guides the first payment means for the automatic payment of the fee through the conversation with the user, and the control unit causes the interactive voice interface apparatus to communicate with the user It is possible to receive a direct debit application by the pre-registered payment means from the voice recognition service server based on recognition of a voice representing a selection of one of the pre-registered payment means through a conversation.

According to one embodiment, the interactive voice interface apparatus receives, from the voice recognition service server, the automatic transfer application by the payment means, based on the voice recognized as the identification information of the payment means through the conversation with the user And transmit the automatic debit command to the payment server corresponding to the identification information.

According to one embodiment, the interactive voice interface apparatus recognizes, based on the speech recognized as a request for issuing a new payment means for automatic transfer of the fee through a conversation with the user, And transmits a payment means issuance command to the payment server corresponding to the payment instrument issuance application.

According to one embodiment, the controller selects at least one recommended payment means for recommendation to the user among the payment means capable of automatically transferring the fee, and transmits the recommended payment means to the user through the interactive voice interface apparatus Based on that the interactive voice interface device recognizes the voice representing the application of issuing the recommended payment means through the conversation with the user, and transmits the recommended payment means information to the voice recognition service server, Receiving the recommended payment instrument issuance request from the speech recognition service server and transmitting the payment instrument issuance command to the payment server corresponding to the application for issuing the recommended payment instrument.

According to one embodiment, the controller may select at least one recommended payment means among the payment means based on at least one of the benefit information and the discount rate of the payment means at the time of payment of the fee.

According to an embodiment of the present invention, the controller transmits information related to at least one of the billing request and the application for automatic debit to the user terminal of the user, and the interactive voice interface apparatus transmits an application for the automatic transfer It is possible to receive the user's automatic transfer request from the voice recognition service server based on recognition of a meaning voice.

According to one embodiment, the controller generates at least one analysis content of the total amount of charges, the comparison history of the bill with the other bill, and the usage details of each time related to the fee, and transmits the analysis contents to the voice recognition service server .

According to one embodiment, the control unit is configured to receive, from at least one of the user, the address, the interactive voice interface device, and the identifiers of the location of the interactive voice interface device, Can be identified.

The interactive voice interface-based automatic debit processing server according to an exemplary embodiment of the present invention identifies a bill for informing a user of a charge of a charge that can be settled by automatic debit, And a control unit for controlling the apparatus and transmitting the automatic debit command to the payment server based on the conversation with the user by the interactive voice interface apparatus recognizing the voice representing the application of the automatic debit.

According to one embodiment, the control unit transmits the personal information of the user to the payment server, and the automatic transfer of the fee may be processed by the payment server based on the personal information and the direct debit instruction.

According to one embodiment, the control unit may control the interactive voice interface apparatus to voice the user to the fact that payment of the fee is possible by automatic transfer.

An interactive voice interface-based debit processing method according to an embodiment includes receiving billings from at least one billing server; Transmitting a bill to the voice recognition service server to guide the user through the interactive voice interface device of a bill of a rate payable by debit; Receiving the user's automatic transfer request from the voice recognition service server based on the conversation with the user by the interactive voice interface device and recognizing a voice representing an application for automatic debit; And transmitting the direct debit command to the payment server based on the debit application.

Embodiments can increase the convenience of the user by guiding information related to automatic transfer through the interactive voice interface to the user.

Embodiments can provide a user with an experience of easily applying for automatic debit via an interactive voice interface.

Embodiments may provide a variety of ways for a user to process a debit application using an interactive voice interface to induce a user's participation.

Embodiments can associate a processing operation associated with automatic debit with an interactive voice interface to activate an electronic commerce that can be settled for automatic debit.

1 is a view for explaining an interactive voice processing system based on an interactive voice interface according to an exemplary embodiment of the present invention.
2 is a flowchart illustrating an interactive voice interface-based automatic debit processing method according to an exemplary embodiment of the present invention.
3 is a view for explaining an interactive voice interface-based automatic transfer processing method according to an embodiment.
4 is a diagram for explaining an interactive voice interface-based automatic transfer processing method according to an embodiment.
FIG. 5 is a diagram for explaining an interactive voice interface-based automatic transfer processing method according to an embodiment.
FIG. 6 is a diagram for explaining an interactive voice processing based automatic transfer processing system according to an embodiment.
7 is an exemplary diagram illustrating the configuration of a debit server according to an embodiment of the present invention.

Specific structural or functional descriptions of embodiments are set forth for illustration purposes only and may be embodied with various changes and modifications. Accordingly, the embodiments are not intended to be limited to the specific forms disclosed, and the scope of the disclosure includes changes, equivalents, or alternatives included in the technical idea.

The terms first or second, etc. may be used to describe various elements, but such terms should be interpreted solely for the purpose of distinguishing one element from another. For example, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

It is to be understood that when an element is referred to as being "connected" to another element, it may be directly connected or connected to the other element, although other elements may be present in between.

The singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, the terms "comprises ", or" having ", and the like, are used to specify one or more of the described features, numbers, steps, operations, elements, But do not preclude the presence or addition of steps, operations, elements, parts, or combinations thereof.

Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art. Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the meaning of the context in the relevant art and, unless explicitly defined herein, are to be interpreted as ideal or overly formal Do not.

Embodiments may be implemented in various forms of products, such as personal computers, laptop computers, tablet computers, smart phones, televisions, smart home appliances, intelligent cars, kiosks, wearable devices, For example, embodiments may be applied to recognize users in smartphones, mobile devices, smart home systems, and the like. Embodiments can be applied to a payment service through user recognition. Also, the embodiments can be applied to an intelligent automobile system that automatically recognizes a user and starts up. Hereinafter, embodiments will be described in detail with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

1 is a view for explaining an interactive voice processing system based on an interactive voice interface according to an exemplary embodiment of the present invention.

Referring to FIG. 1, an interactive voice interface-based deferral processing system 100 (hereinafter referred to as a deferral processing system) communicates with a user 106 through communication between servers or devices in the deferral processing system 100 Direct the information associated with the debit authorization, and process commands or operations associated with the debit authorization that are recognized through dialogue with the user 106. For example, the voice interface apparatus 105 in the automatic debit processing system 100 may voice the user 106 a charge capable of being settled by automatic transfer, and may be associated with the debit application through a dialogue with the user 106 Obtains a voice command, and the automatic debit processing system 100 can process the debit application.

The automatic transfer processing system 100 performs a processing operation related to the automatic transfer via the interactive voice interface, provides the user 106 with an experience of easily requesting the automatic transfer, and transmits information related to the automatic transfer to the user 106 ), Thereby enhancing user convenience. In addition, the automatic debit processing system 100 can activate the e-commerce transactions in which automatic payment can be made by linking the processing related to the automatic debit to the interactive voice interface, and can induce participation of various subjects in the system related to the automatic debit payment have.

The automatic debit processing system 100 includes an interactive voice interface based automatic debit processing server 101 (hereinafter referred to as a debit server), billing servers 102, settlement servers 103 and a voice recognition service server 104 ). Servers or devices in the automatic debit processing system 100 can communicate with each other and communicate with each other via a network (not shown). The network in the debit system 100 enables wired and wireless communication between various entities and may use standard communication technologies and / or protocols.

The voice recognition service server 104 is a server for providing a service based on voice recognition of the user 106 by controlling the interactive voice interface device 105, and may be a software module, a hardware module, or a combination thereof Can be implemented. The voice recognition service server 104 may be networked with the interactive voice interface device 105. The voice recognition service server 104 analyzes the voice of the user 106 through the interactive voice interface and recognizes the voice of the user 106 through the natural language processing and outputs the voice of the user 106 And can perform an operation corresponding to a command or voice input. For example, the voice recognition service server 104 may recognize the voice of the user 106 through a conversation with the user 106, analyze the meaning of the voice of the user 106, Information may be provided in the form of audible information (e.g., speech) via the interactive voice interface device 105 or in the form of visual or auditory information through the user terminal 107. [ The voice recognition service server 104 may communicate with the user terminal 107.

Deferral processing server 101 is a server that processes information related to the automatic transfer of fees to user 106 or address 108 and may be implemented, for example, as a software module, a hardware module, or a combination thereof have. The automatic payment processing server 101 includes a communication unit and a control unit. The communication unit of the automatic debit processing server 101 communicates with the billing servers 102, the payment servers 103 and the voice recognition service server 104. The control unit of the automatic debit processing server 101 communicates with the communication unit The processing server 101 can be controlled.

The debit management server 101 may receive billing requests from the billing servers 102. [ Billing servers 102 are servers that manage or process information for billing, for example, to manage or process information associated with billing that is payable by direct debit. The billing servers 102 process charge information required to be periodically paid at predetermined intervals such as a management fee billing server, a communication billing server, a premium billing server, a rent billing server, an electric billing server, a city gas billing server, Server.

The direct debit processing server 101 may transmit the bill to the voice recognition service server 104 to direct the user 106 via the interactive voice interface device 105 to the billing service have. Here, the object of the bill may be the user 106 or the address 108. [ For example, the billing target of the communication charge may be the user 106, and the billing target of the management fee may be the address 108. [ The interactive voice interface device 105 may be installed at a location corresponding to the address 108 and the debit server 101 or the voice recognition service server 104 may charge the fee to the interactive voice interface device 105 and at least one of the identifiers of the locations of the user 106, the address 108, the interactive voice interface device 105 and the interactive voice interface device 105, It can be recorded internally or externally. The object of the bill is not limited to the user 106 or the address 108 but can be modified and defined as an object enabling the guidance through the interactive voice interface apparatus 105. [

The automatic muting processing server 101 receives from the voice recognition service server 104 a voice message from the user 106 via the interactive voice interface apparatus 105, 160). ≪ / RTI > For example, the voice recognition service server 104 may control the interactive voice interface device 105 to guide the billing of a chargeable amount by a direct debit. The interactive voice interface device 105 can sense the voice of the user 106. [ The voice recognition service server 104 can judge whether the voice sensed through the interactive voice interface unit 105 means an application for automatic transfer such as "request for automatic transfer ". The voice recognition service server 104 may transmit the automatic payment transfer request to the automatic payment processing server 101 in response to the voice of the user 106 indicating the application of the automatic transfer.

The automatic debit processing server 101 may transmit the automatic debit command to at least one of the payment servers 103 based on the automatic debit application received from the voice recognition service server 104. [ The payment servers 103 are servers for managing or processing information related to settlement, and may manage or process information or commands related to settlement of charges that can be settled by, for example, debit. The payment servers 103 may include a card payment server and a bank server.

The payment servers 103, which have received the automatic debit commands from the automatic debit processing server 101, can process the automatic transfer of the fees. For example, the payment server may communicate information relating to automatic debit to the user terminal 107 or obtain an identifier of the user terminal 107. [ By the processing of the payment server, the card company or the call center of the bank company for processing the automatic transfer request can make a call to the user terminal 107 or connect an automatic response system (ARS) to perform a process related to automatic transfer. Hereinafter, the operation of the automatic transfer processing system will be described with reference to the flowchart of FIG.

2 is a flowchart illustrating an interactive voice interface-based automatic debit processing method according to an exemplary embodiment of the present invention.

Referring to FIG. 2, the billing server 202 may transmit the bill to the debit management server 201 (211). According to one embodiment, the automatic debit processing server 201 is a value-added network (VAN) company or a payment gateway (PG) that periodically or irregularly receives billing requests from the billing server 202 Lt; / RTI > servers.

The deferral processing server 201 may receive a bill to guide the user or identify a bill to guide the user from the received bill. The debit server 201 receives a user or address from the billing invoices based on at least one of the identifiers of the location of the user, the address, the interactive voice interface device 205 and the interactive voice interface device 205 To identify the bill. According to one embodiment, the automatic debit processing server 201 identifies invoices of charges that can be settled by direct debit from the bill received from the billing server 202, extracts the user or address from the identified invoices To identify the bill.

According to one embodiment, the debit server 201 can identify bills of charge for a user or address from the billing bills, and identify bills of charges that are payable on a direct debit basis from the identified bills have. However, the identification operation of the bill with the charge capable of payment by automatic debit can be performed by the billing server 202 or the voice recognition service server 204 as well as the automatic payment processing server 201, May be variously modified according to system efficiency or design intent. The automatic debit processing server 201, the billing server 202 or the voice recognition service server 204 may be configured to store at least one of the identifiers of the location of the user, address, interactive voice interface device, Can be used to perform the identification operation of the bill.

The direct debit processing server 201 may transmit the bill to the voice recognition service server 204 to direct the user via the interactive voice interface device 205 to the charge of the bill capable of being settled by the direct debit 212 ). According to one embodiment, the automatic debit processing server 201 generates analysis contents of at least one of a total amount of charges, a comparison history with other billing, and an hourly use related to the fee from the bill, 204, respectively.

The automatic transfer processing server 201 compares billing information corresponding to addresses of other users or bills with billing information of a guidance object or compares and analyzes the current billing bills with the current billing object, To the recognition service server 204. For example, the automatic transfer processing server 201 determines whether there is a difference in the charge of the guidance object communication fee bill from the average of the past communication charges or whether the charge of the management fee bill is different from the average of the charges of other addresses in the apartment complex And transmits the analysis result to the speech recognition service server 204. The analysis result may be transmitted to the voice recognition service server 204 through the interactive voice interface unit 205. [

According to one embodiment, the automatic debit processing server 201 may transmit the contents of the guidance object bill or the analysis result to the user terminal of the user. For example, the content or analysis results of the to-be-billed bills may be transmitted via an application or message (e.g., an instant message, short message service (SMS) message) installed in the user terminal. Various techniques and criteria may be applied to the embodiments related to analysis of the bill, and the subject of generation or transmission of the analysis described above may be the voice recognition service server 204. [

The voice recognition service server 204 may send 213 an instruction to voice to the interactive voice interface device 205 to voice billing related information. The voice recognition service server 204 may generate information for voice guidance from the bill to guide the information associated with the bill. For example, the voice recognition service server 204 generates voice information for voice guidance of information such as the fee, payment timing, payment method, usage amount, period of use, analysis result, etc. included in the bill, To the device 205.

The voice recognition service server 204 analyzes the bill received from the automatic payment processing server 201 and converts the analysis result into voice to generate voice information or receives the analysis result from the automatic payment processing server 201, The received analysis result can be converted into speech to generate speech information. The voice recognition service server 204 may transmit the information of the bill or the analysis result to the user terminal. According to one embodiment, the voice recognition service server 204 may be a server of a communication company providing a communication service through a user terminal, and the voice presence service may be one of application services of a communication company. However, the subject of the voice recognition service server 204 may be various service providers. The subject processing the guidance information related to the bill can be variously modified in consideration of the design intention and the system efficiency.

The interactive voice interface apparatus 205 can output the voice information received from the voice recognition service server 204 through the interactive voice interface. According to one embodiment, the interactive voice interface device 205 may output the information associated with the bill in voice form. The interactive voice interface device 205 may output the information related to the bill in response to the recognition of the user voice in a dialogue with the user.

For example, the interactive voice interface device 205 may output a voice for guiding the management fee information along with a predetermined tone, and may be configured to receive voice of the city gas rate It is possible to output a voice for guiding information. The automatic debit processing server 201 can transmit information related to the bill to the user terminal, and a user who recognizes the bill information through the user terminal can inquire about the fee related information through the interactive voice interface, Type voice interface apparatus 205 can output the answer to the inquiry of the user. The user can check the bill delivered by mail and inquire the interactive voice interface device 205 for information related to the charge or information related to the application of the automatic transfer.

The interactive voice interface device 205 may transmit the recognition result of voice or voice to the voice recognition service server 204 (214) through a dialog with the user to sign up for automatic transfer. The interactive voice interface device 205 can recognize the voice corresponding to the application of the debit transfer in association with the local operation or the voice recognition service server 204 and can transmit the recognition result to the voice recognition service server 204 .

Speech recognition, which means application of automatic transfer, can be performed by a natural language processing technique. The interactive voice interface apparatus 205 can voice the user to the effect that the payment of the bill is possible by automatic transfer, and can ask the user about whether or not to request the automatic transfer. The user can voice-request an application for automatic debit via a conversation with the interactive voice interface device 205. [ Alternatively, the automatic debit processing server 101 or the voice recognition service server 204 may transmit information on the automatic debit permission of the bill to the user terminal, The voice interface device 205 can sense or recognize a voice indicating the application of automatic transfer.

According to one embodiment, the interactive voice interface apparatus 205 detects or recognizes a voice representing a request for automatic transfer by the pre-registered payment means through a conversation with a user, and outputs the detected voice or recognition result to voice recognition To the service server 204. The scenario in which the automatic transfer application related operations are processed based on the pre-registered payment means will be described later with reference to FIG.

According to one embodiment, the interactive voice interface apparatus 205 senses or recognizes a voice representing the identification information of the payment means through a conversation with the user, and transmits the sensed voice or recognition result to the voice recognition service server 204. [ Lt; / RTI > The scenario in which the operations are processed in relation to the identification information of the payment means requested by the user via voice will be described later with reference to FIG.

According to one embodiment, the interactive voice interface device 205 senses or recognizes a voice representing a request for issuance of a new payment instrument through a conversation with the user, and transmits the sensed voice or recognition result to the voice recognition service server 204 ). The scenario in which the automatic transfer application related operations are processed through the application of the new payment instrument issuing will be described later with reference to Fig.

The voice recognition service server 204 receives a voice indicating the application of the automatic transfer from the interactive voice interface device 205 and recognizes the meaning of the voice and transmits the user's automatic transfer application to the automatic transfer server 201 (215). The voice recognition service server 204 may acquire the user's personal information for requesting the automatic transfer and transmit the obtained personal information to the automatic transfer server 201. [ The voice recognition service server 204 can identify the interactive voice interface device 205 as a source from which voice or recognition result is transmitted and extract the user's personal information from the provisional database based on the identification result. Alternatively, the voice recognition service server 204 can acquire the user's personal information based on the information acquired through the conversation with the user by the interactive voice interface device 205. [ The voice recognition service server 204 can database the personal information of the users to provide the voice recognition service through the interactive voice interface unit 205 and acquire the personal information required for the processing of the automatic transfer from the database have. For example, the voice recognition service server 204 may be a server of a communication company providing voice recognition service, and may transmit personal information of a user recorded in a database of a communication company to the automatic debit processing server 101. According to one embodiment, the voice recognition service server 204 may control the interactive voice interface device 205 to inquire about the consent of the user to provide personal information or to recognize the personal information from the user by voice. Various techniques may be employed in the manner in which the voice recognition service server 204 obtains information for application of the user's automatic transfer.

The automatic debit processing server 201 may transmit the automatic debit command to the payment server 203 based on the automatic debit application received from the voice recognition service server 204 (216). According to one embodiment, the automatic debit processing server 201 can transmit the personal information received from the voice recognition service server 204 to the payment server 203. [

The payment server 203 can process the automatic transfer related procedures of the charge guided to the user based on the automatic transfer instruction and the personal information received from the automatic transfer processing server 201. [ For example, the payment server 203 transmits information for requesting automatic transfer to the user terminal using the identification information of the user terminal, or transmits information for requesting automatic transfer to the automatic transfer processing server 201 or the user terminal Can be requested. The automatic transfer processing server 201 requests the speech recognition service server 204 or the user terminal to acquire additional information in order to obtain information for requesting automatic transfer and transmits the acquired information to the voice recognition service server 204 or the user terminal Information to the payment server 203 again.

The automatic transfer processing server 201 can complete the application of the automatic transfer of the fee that has been announced and transmit the completion to the user terminal or the automatic transfer processing server 201. [ The automatic transfer processing server 201 transmits information indicating completion of the automatic transfer application to the voice recognition service server 204 or the user terminal and the user transmits the information indicating the completion of the automatic transfer application from the interactive voice interface apparatus 205 or the user terminal Information can be confirmed. The completion information of the application for the automatic transfer can be mapped to the user and stored in the database in at least one of the servers inside or outside the servers in the automatic transfer processing system.

3 is a view for explaining an interactive voice interface-based automatic transfer processing method according to an embodiment.

According to one embodiment, on the basis of the conversation with the user 302, the interactive voice processing apparatus 301 recognizes a voice representing the application of automatic debit by the pre-registered payment means, It is possible to receive the automatic transfer request from the recognition service server by the pre-registered payment means and transmit the automatic transfer command to the payment server corresponding to the pre-registered payment means. According to one embodiment, the debit server is configured to determine whether the interactive voice interface device 301 is capable of receiving a voice, , And can receive the automatic transfer application by the pre-registered payment means selected from the voice recognition service server.

For example, when the automatic debit server receives an automatic debit request by the OO card, it can send a debit command to the payment server of the OO card. Here, the automatic debit server may transmit the information necessary for automatic debit processing to the payment server, for example, the personal information may be transmitted to the payment server. The automatic debit processing server may provide information for processing the automatic debit to the user terminal 303 or may receive information necessary for processing the automatic debit from the user terminal 303. [ Alternatively, the payment server can receive the information necessary for the processing of automatic debit through communication with the user terminal 303. [

3, the interactive voice interface apparatus 301 inquires of the user 302 whether or not to request automatic debit, and the user 302 instructs the interactive voice interface apparatus 301 to transmit information . The interactive voice interface device 301 can voice the pre-registered payment means for automatic debit payment through a dialog with the user 302. [ The user 302 can select the payment means for processing of the automatic transfer based on the informed information, and can request the automatic transfer. Here, the pre-registered payment means can be recorded and registered in at least one of the interactive voice interface device 301, the voice recognition service server, and the automatic payment processing server as the payment means registered in advance from the user 302 for payment have. For example, an account for a user's credit card, a check card, or a direct debit may be registered in advance, such as a simple payment service, and the debit server may include an interactive voice interface via the interactive voice interface device 301 To provide the user 302 with selection options of payment means for requesting automatic transfer.

According to one embodiment, the user 302 may request the interactive voice interface apparatus 301 to voice the voice transfer request while specifying the payment means such as "request for automatic transfer to XX card ". The interactive voice interface apparatus 301 can recognize the meaning of the payment means and the application for the automatic transfer through the conversation with the user 302 and the voice recognition service server transmits the personal information of the user 302 to the automatic transfer processing server . The debit server may transmit the personal information of the user 302 to the payment server corresponding to the payment means specified by the user 302. [ The payment server receiving the personal information of the user 302 may process the operations related to the automatic transfer. For example, when the payment server is a card company server, the card company can complete the procedure of the automatic transfer application through telephone connection with the user 302 using the personal information of the user 302. [

4 is a diagram for explaining an interactive voice interface-based automatic transfer processing method according to an embodiment.

According to one embodiment, the automatic debit processing server recognizes, from the voice recognition service server, based on the interactive voice interface device 401 recognizing the voice representing the identification information of the payment means through the conversation with the user 402 It is possible to receive the automatic payment application by the payment means. The automatic debit processing server may transmit the automatic debit order to the payment server corresponding to the identification information of the payment means. The payment means includes a credit card, a check card, an account for account transfer, an account for easy settlement, an account of the Internet bank, and payment means for supporting payment of automatic transfer. The identification information of the payment means includes a card number, an account number, and a financial ID (for example, a simple settlement, an internet banking, or a settlement ID via an Internet bank). However, the identification information of the settlement means and the settlement means is not limited to the above-described example, and various schemes may be employed.

It is possible to receive the automatic debit application by the pre-registered payment means and transmit the automatic debit order to the payment server corresponding to the pre-registered payment means. According to one embodiment, the debit server is configured to determine whether the interactive voice interface device 301 is capable of receiving a voice, , And can receive the automatic transfer application by the pre-registered payment means selected from the voice recognition service server.

For example, the automatic debit server may send an automatic transfer order and account number to the payment server of the XX bank when receiving the account number of the XX bank account and the automatic transfer request by the XX bank account. As described above, the automatic debit processing server or the payment server may provide information for processing the automatic debit to the user terminal 403 or may receive the information necessary for processing of the automatic debit from the user terminal 403. [

4, the interactive voice interface apparatus 401 inquires of the user 402 whether or not to request automatic debit and the identification information of the payment means, and the user 402 instructs the interactive voice interface apparatus 401 The payment means for requesting the transfer and the identification information of the payment means can be inputted by voice and the automatic transfer can be requested by voice.

FIG. 5 is a diagram for explaining an interactive voice interface-based automatic transfer processing method according to an embodiment.

According to one embodiment, the automatic debit processing server determines whether or not the interactive voice interface apparatus 501 is able to receive a payment request from the user 502 based on recognition of a voice , And can receive an application for issuing a settlement means from the speech recognition service server. The automatic debit processing server may transmit a payment means issuance command to the payment server corresponding to the payment instrument issuance request.

According to one embodiment, the automatic debit processing server can select at least one recommended payment means for recommendation to the user 502 among the payment means capable of automatically transferring the fee. The automatic debit processing server may analyze the bill and select at least one recommended payment means among the payment means based on at least one of the benefit information and the discount rate of the payment means at the time of payment of the fee. The direct debit processing server can transmit the recommended payment means information to the voice recognition service server to guide the selected recommended payment means to the user 502 via the interactive voice interface device 501. [ The automatic debit processing server transmits an application for issuing a recommended payment means from the voice recognition service server to the interactive voice interface apparatus 501 based on the voice recognized as a request for the issuance of the recommended payment means through the conversation with the user 502 And transmits a payment means issuance command to the payment server corresponding to the recommended payment means issuance application.

For example, when the automatic debit server receives the OO card issuance and the automatic debit application by the OO card, it can send a payment instrument issue order and a debit order to the payment server of the OO card. As described above, the automatic debit processing server or the payment server can provide the information for processing the automatic debit to the user terminal 503 or receive the information necessary for the processing of the automatic debit from the user terminal 503. [

5, the interactive voice interface apparatus 501 instructs the user 502 whether or not to request the automatic transfer and the recommended payment means, and the user 502 instructs the interactive voice interface apparatus 501 to use the recommended payment means And automatic payment by the recommended payment means can be requested by voice.

FIG. 6 is a diagram for explaining an interactive voice processing based automatic transfer processing system according to an embodiment.

According to one embodiment, the automatic debit processing server 601 may be implemented in a form integrated with the speech recognition service server described above. In this case, the debit management server 601 controls the interactive voice interface apparatus 604 and can communicate with the billing servers 602 and the payment servers 603. [ The description of the embodiment of the automatic payment processing server 601 is omitted because it is the same as the above description.

7 is an exemplary diagram illustrating the configuration of a debit server according to an embodiment of the present invention.

The automatic debit processing server 701 includes a communication unit 702, a control unit 703, and a database 704. The database 704 may be recorded with information for processing commands related to automatic transfer. Although not shown, the memory may store an application, program, or software for processing commands associated with automatic debit and may record instructions for executing the operations described with reference to Figs. 1-6. The control unit 703 can execute the program, control the automatic transfer processing server 701, and the communication unit 702 can communicate with an internal or external server or device. The control unit 703 can control the communication unit 702 to receive or transmit information and acquire necessary information from the database 704 or record information in the database 704. [ The automatic transfer processing server 701 is connected to an external device (for example, a personal computer or a network) through an input / output device (not shown) and can exchange data. Here, since the above-described embodiments are applied to the operations of the automatic payment processing server 701, the duplicated description will be omitted.

The embodiments described above may be implemented in hardware components, software components, and / or a combination of hardware components and software components. For example, the devices, methods, and components described in the embodiments may be implemented within a computer system, such as, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, such as an array, a programmable logic unit (PLU), a microprocessor, or any other device capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. The processing device may also access, store, manipulate, process, and generate data in response to execution of the software. For ease of understanding, the processing apparatus may be described as being used singly, but those skilled in the art will recognize that the processing apparatus may have a plurality of processing elements and / As shown in FIG. For example, the processing unit may comprise a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as a parallel processor.

The software may include a computer program, code, instructions, or a combination of one or more of the foregoing, and may be configured to configure the processing device to operate as desired or to process it collectively or collectively Device can be commanded. The software and / or data may be in the form of any type of machine, component, physical device, virtual equipment, computer storage media, or device , Or may be permanently or temporarily embodied in a transmitted signal wave. The software may be distributed over a networked computer system and stored or executed in a distributed manner. The software and data may be stored on one or more computer readable recording media.

The method according to an embodiment may be implemented in the form of a program command that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions to be recorded on the medium may be those specially designed and configured for the embodiments or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like.

Although the embodiments have been described with reference to the drawings, various technical modifications and variations may be applied to those skilled in the art. For example, it is to be understood that the techniques described may be performed in a different order than the described methods, and / or that components of the described systems, structures, devices, circuits, Lt; / RTI > or equivalents, even if it is replaced or replaced.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

100: Interactive voice interface-based debit system

Claims (18)

At least one billing server, at least one billing server, and a voice recognition service server coupled to the interactive voice interface device, wherein the voice recognition service server is a server for providing a communication service using a database in which personal information of users is recorded, Recognizing a conversation between the user and the interactive voice interface device through the voice interface, and controlling the interactive voice interface device to provide a service based on the voice recognition in connection with the communication service; And
A control unit
Lt; / RTI >
The control unit
Receive bills from the at least one billing server,
Inquiring the identifiers of the users or the identifiers of the interactive voice interface devices, making a payment by automatic transfer from the received bill, and receiving a bill for the address where the user or the interactive voice interface device is installed Identify,
Wherein said interactive voice interface device is operable to display said identified bill to an address where said user or said interactive voice interface device is installed, Service server,
In response to the interactive voice interface device having received the instruction for guiding the identified bill from the voice recognition service to voice, recognizing a voice representing a request for automatic debit via a conversation with the user, From the voice recognition service server, personal information of the user extracted from the database of the personal information of the users by the voice recognition service server and the user's direct debit application,
In response to receiving the automatic debit request, transmitting the personal information extracted by the voice recognition service server and the automatic debit command to the payment server,
Transferring, to the voice recognition service server, information indicating completion of the automatic transfer application of the charge processed by the payment server based on the personal information extracted by the voice recognition service server and the automatic debit command,
Wherein said interactive voice interface device controlled by said voice recognition service server informs said user of said information on completion of said automatic transfer application by voice through conversation,
Interactive voice interface based debit server.
The method according to claim 1,
The control unit
Receiving the personal information of the user from the voice recognition service server based on the voice recognized by the interactive voice interface device,
Transmitting the personal information to the payment server,
Interactive voice interface based debit server.
3. The method of claim 2,
Wherein the automatic transfer of the fee is processed by the payment server based on the personal information and the direct debit command,
Interactive voice interface based debit server.
The method according to claim 1,
Wherein the interactive voice interface device is operable to voice the user to the effect that payment of the fee is possible by automatic transfer,
Interactive voice interface based debit server.
The method according to claim 1,
The control unit
Wherein said interactive voice interface apparatus receives from said voice recognition service server an automatic transfer of money by said pre-registered payment means based on the conversation between said interactive voice interface apparatus and said user, Upon receiving the application,
And transmits a direct debit command to a payment server corresponding to the pre-registered payment means,
Interactive voice interface based debit server.
6. The method of claim 5,
Wherein the interactive voice interface device guides the pre-registered payment means for debit payment of the fee through a conversation with the user,
The control unit
Wherein said interactive voice interface device receives from said voice recognition service server a voice message indicating automatic selection of said one of said pre-registered payment means Upon receiving the transfer application,
Interactive voice interface based debit server.
The method according to claim 1,
Wherein said interactive voice interface apparatus receives a direct debit request from said voice recognition service server by said payment means on the basis of recognizing a voice representing identification information of said payment means through said conversation with said user,
Transferring a direct debit command to a payment server corresponding to the identification information,
Interactive voice interface based debit server.
The method according to claim 1,
The interactive voice interface apparatus receives from the voice recognition service server a request for issuing a payment means on the basis of recognizing a voice representing a request for issuing a new payment means for automatic transfer of the fee through conversation with the user and,
Transmitting a payment means issuing command to a payment server corresponding to the payment instrument issuing application,
Interactive voice interface based debit server.
9. The method of claim 8,
The control unit
Selects at least one recommended payment means for recommendation to the user among the payment means capable of automatically transferring the fee,
Transmitting the recommended payment means information to the voice recognition service server to guide the recommendation payment means to the user via the interactive voice interface device,
Receiving the recommendation means issuance request from the speech recognition service server based on the interactive voice interface apparatus recognizing the voice representing the application of issuing the recommended payment means through the conversation with the user,
And transmits a payment means issuing command to the payment server corresponding to the application for issuing the recommended payment means,
Interactive voice interface based debit server.
10. The method of claim 9,
The control unit
Selecting at least one recommended payment means among the payment means based on at least one of the benefit information and the discount rate of the payment means upon payment of the fee,
Interactive voice interface based debit server.
The method according to claim 1,
The control unit
And transmitting information related to at least one of the billing request and the application for debit to the user terminal of the user,
Wherein the interactive voice interface apparatus receives the user's automatic transfer request from the voice recognition service server based on the voice recognized as a request for the automatic transfer from the user,
Interactive voice interface based debit server.
The method according to claim 1,
Wherein the controller generates at least one analysis content of the total amount of charges, the comparison history of the bill with the other bill, and the usage details by time related to the fee, and transmits the analyzed content to the voice recognition service server.
Interactive voice interface based debit server.
The method according to claim 1,
The control unit
Identifying said bill of said user from said billing based on at least one of said user, address, said interactive voice interface device and said location of said interactive voice interface device;
Interactive voice interface based debit server.
delete delete delete Receiving, by the debit server, billing from at least one billing server;
The automated teller machine inquires the identifiers of the users or the interactive voice interface devices by the automatic debit server, and the payment can be made by automatic transfer from the received bill, and the user or the interactive voice interface device Identifying a billing target for the address;
Wherein the automatic muting processing server is configured to transmit the request to the user through the interactive voice interface apparatus to the user through the interactive voice interface apparatus, The voice recognition service server is a server for providing a communication service using a database in which personal information of users is recorded, the voice recognition service server comprising: a voice recognition service server for providing a communication service between the user and the interactive voice interface device And controlling the interactive voice interface device to provide a service based on speech recognition in connection with the communication service;
Wherein the interactive voice interface device receives a command from the voice recognition service to guide the identified bill by voice to the voice recognition service, Receiving, from the voice recognition service server, the personal information of the user extracted from the database of the personal information of the users by the voice recognition service server and the debit application of the user;
Transmitting, by the automatic debit server, the personal information extracted by the voice recognition service server and the debit directive to the payment server in response to receiving the debit request; And
Transmitting to the voice recognition service server information indicative of completion of automatic payment of the charge processed by the payment server based on the personal information extracted by the voice recognition service server and the automatic debit command
Lt; / RTI >
Wherein said interactive voice interface device controlled by said voice recognition service server informs said user of said information on completion of said automatic transfer application by voice through conversation,
Interactive voice interface based automatic debit processing method.
17. A computer program stored on a computer readable recording medium for executing the method of claim 17 in combination with hardware.

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