KR20170098364A - Method for Providing Reverse Direction Payment by using Multi-Touch - Google Patents

Abstract

The present invention relates to a method to provide reverse direction payment using multi-touch. According to the present invention, the method to provide reverse direction payment using multi-touch is run through a program installed and operated on a users wireless terminal having a touch screen capable of recognizing N units (N>=4) or more of capacitive multi-touch. The method comprises: a first step of activating a status of precisely recognizing N units of multi-touch using a member store medium possessed by an offline member store through a touch screen and manufactured by placing N units of touch units available for a capacitive touch in accordance with a pre-designed geometric relation; a second step of checking if N units of touch points corresponding to the number of the touch units placed on the member store medium through the touch screen are recognized by multi-touch; a third step of recognizing recognition information to receive an authentication that the N units of touch points are touch using the member store medium possessed by a specific offline member store, including touch point information on the N units of touch points recognized by multi-touch; a fourth step of transmitting medium recognition information including the recognition information to a designated server to receive payment information recently mapped and registered within a designated period and mapped with unique information of the member store medium manufactured by placing the N units of touch units in accordance with a geometric relation formed by the N units of touch points corresponding to the recognition information and a geometric relation on a design matched within an allowable error range among payment information registered through a terminal of the member store possessing the member store medium; and a fifth step of using a payment means available on the wireless terminal to perform a payment procedure to process a payment on the payment information.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a multi-

The present invention relates to a method and apparatus for recognizing a multifunctional touch point of a franchise shop medium, which is manufactured by disposing a designated number N (N? 4) of touch units possessed by an offline merchant in a user's wireless terminal in a designed geometric relationship, Recognizes the owned franchisee media and performs the payment processing in the reverse direction by receiving the registered payment information by mapping with the franchise shop media at the merchant store having the recognized franchise shop media.

In the conventional offline merchant payment process, when a customer presents a card or a mobile phone held by the customer to the merchant, the flow of reading the customer's card or mobile phone from the payment terminal provided at the merchant, Forward flow).

Accordingly, in the case of the conventional off-line merchant payment, a payment terminal which is a starting point of the forward flow for the forward flow should be provided in the merchant store, and a network infrastructure for the forward flow should be established at each merchant store.

Recently, a reverse order settlement method has been proposed in which a smartphone of a user is ordered to a POS terminal of an offline store, and then the payment amount is paid using a user smart phone rather than a POS terminal of a store (Patent Publication Laid- 0011776 (Feb.

However, the conventional reverse order settlement has a reverse flow in that it only uses a user smart phone, and still uses the POS terminal of the offline store for ordering in reverse, so that the POS terminal capable of accepting the reverse order is provided Or even if a POS terminal is provided, it is difficult to use a function to accept an order via a user smart phone and to use it when the network infrastructure is not provided.

An object of the present invention to overcome the above-mentioned problems is to provide a franchise point medium manufactured by arranging a designated number N (N? 4) touch units possessed in an offline merchant store and capable of electrostatically touching in a designed geometric relationship in a user wireless terminal Recognizing the multi-touch recognition on the touch screen, recognizing the franchise shop medium held by the specific offline franchise shop, transmitting the medium recognition information including the multi-touch recognition using the franchise shop medium to the designated server, The unique information of the franchise point medium created by disposing the N touch parts in a geometric relationship in design matching within the allowable error range with the geometric relationship formed by the N touch points corresponding to the recognition information among the registered payment information, Mapped and recently mapped within the specified time frame After receiving the information, and a reverse payment method using a multi-touch by using a payment method available in the wireless terminal performs the payment process for processing a charge for the billing information to provide.

A method for performing a reverse payment using a multi-touch according to the present invention is a method executed by a program installed in a user wireless terminal having a touch screen capable of recognizing N (N > = 4) electrostatic multi- A first step of activating a state of precisely recognizing N multi-touches using the franchise point media manufactured by disposing the N touch parts possessed by the offline merchants through the screen in a designed geometric relationship; A second step of confirming whether N touch points corresponding to the number of touch parts provided on the merchant's media are recognized through multi-touch through the touch point information of the multi-touch recognized N points, Recognizing recognition information for receiving a touch authentication using a merchant medium held at an offline merchant A third step of transmitting the medium identification information including the recognition information to a designated server to determine a geometric relationship formed by the N touch points corresponding to the recognition information among the payment information registered through the terminal of the affiliated shop having the affiliate store medium A fourth step of mapping the unique information of the franchise point medium created by disposing N touch units in a design geometric relationship matched within an allowable error range and receiving payment information recently mapped and registered within a predetermined time period; And a fifth step of performing a payment procedure for processing settlement of the payment information by using a payment means available in the wireless terminal.

According to the present invention, the franchisee medium is a stamp-type medium capable of touch-recognizing on a touch screen, a portable medium in which the franchisee (or employee) can carry out touch recognition on the touch screen, And may include at least one of the media.

According to the present invention, the geometric relationship may include at least one of a distance relation and an angle relation formed by N touch points.

According to the present invention, the third step may further include authenticating whether the mutual positional relationship between the N touch points recognized by the multi-touch is including a mutual positional relationship that can be formed through N touch units provided in the merchant store medium have.

According to the present invention, the recognition information may be a geometric relationship formed by the N touch points among the M design geometric relations formed by the N touch parts provided in M (M > = 1) Is used to identify a geometric relationship in any design that is matched within a tolerated tolerance range.

According to the present invention, the payment information may include a payment amount input through the terminal of the merchant. The payment information may further include merchant information for payment of an affiliated store having the affiliated store medium.

According to the present invention, the payment information includes a geometric relationship formed by the N touch points among the payment information registered through the terminal of the merchant, and unique information of a specific merchant store medium having N touch units matched within a tolerance range And may include the most recently registered payment information registered within a predetermined period of time based on a time point when the server receives the medium identification information.

According to the present invention, the payment information includes a geometric relationship formed by the N touch points among the payment information registered through the terminal of the merchant, and unique information of a specific merchant store medium having N touch units matched within a tolerance range And may include payment information that is registered within a past predetermined time based on a time point at which the server receives the medium identification information and has no history provided to the user wireless terminal.

According to the present invention, the payment information includes a geometric relationship formed by the N touch points among the payment information registered through the terminal of the merchant, and unique information of a specific merchant store medium having N touch units matched within a tolerance range And history-free payment information registered in a past predetermined time based on a time point when the server receives the medium identification information and provided to any user terminal including the user wireless terminal.

According to the present invention, the medium recognition information includes recognition time information in which the recognition information is recognized from the merchant store medium, and the payment information is information indicating that the N touch points formed by the payment information registered through the terminal of the merchant And may include the most recently registered payment information that is registered in the past predetermined time based on the recognition time information and is mapped with unique information of the specific franchise point media having N touch units matched within the geometric relationship and tolerance range .

According to the present invention, the medium recognition information includes recognition time information in which the recognition information is recognized from the merchant store medium, and the payment information is information indicating that the N touch points formed by the payment information registered through the terminal of the merchant The payment information which is mapped to unique information of a specific merchant store medium having N touch units matched within a geometric relationship and a tolerance range and which is registered within a past predetermined time based on the recognition time information and has no history provided to the user wireless terminal .

According to the present invention, the medium recognition information includes recognition time information in which the recognition information is recognized from the merchant store medium, and the payment information is information indicating that the N touch points formed by the payment information registered through the terminal of the merchant The mobile terminal is mapped with unique information of a specific franchise point medium having N touch units matched within a geometric relationship and a tolerance range and registered in a past predetermined time based on the recognition time information, And may include payment information without the provided history.

According to the present invention, an offline franchisee is provided with a separate franchisee media that can be recognized through the user wireless terminal, without having a payment terminal such as a POS terminal, and recognizes the franchisee media through the user wireless terminal, There is an advantage in that the user wireless terminal receives payment information registered and mapped with the merchant's media through the merchant's terminal and processes the payment of the offline merchant through the user's wireless terminal in the reverse direction through the POS terminal or another merchant terminal.

According to the present invention, the merchant's stock (or employee) requests payment of the payment amount to the user (= user of the wireless terminal that recognized the merchant's media) with a simple action of inputting the payment amount to the app of the wireless terminal possessed by the merchant There is an advantage that the payment is processed in the reverse direction through the wireless terminal of the user without using the POS terminal or the separate merchant terminal.

1 is a diagram illustrating a functional configuration of a user wireless terminal according to an embodiment of the present invention.
2 illustrates a configuration of an uplink payment system using a merchant's media according to an embodiment of the present invention.
3 is a diagram illustrating a registration process of a user wireless terminal according to an embodiment of the present invention.
4 is a diagram illustrating a registration process of an affiliated terminal according to an embodiment of the present invention.
5 is a diagram illustrating a process of registering payment information according to an embodiment of the present invention.
6 is a diagram illustrating a process of recognizing a franchise medium according to an embodiment of the present invention.
7 is a diagram illustrating a reverse payment process according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. In the following embodiments, a specific configuration unit implemented on the server side is implemented on the terminal side and reference is made on the server side, or conversely, in the following embodiments, a specific configuration unit implemented on the terminal side is implemented on the server side, And all of the embodiments utilizing the same are also included in the scope of the present invention. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

1 is a diagram illustrating a functional configuration of a user wireless terminal 100 according to an embodiment of the present invention.

More specifically, FIG. 1 shows a franchise shop medium 280, which is produced by disposing a designated number N (N? 4) of touch parts possessed by an offline merchant and capable of electrostatic touch in a designed geometric relationship, Recognizes the member store medium 280 held at the specific offline merchant store and recognizes the merchant store medium 280 by recognizing the merchant store medium 280 by receiving the registered payment information by mapping with the member store medium 280 at the merchant store having the recognized merchant store medium 280, 100, it will be understood by those skilled in the art that various changes and modifications may be made thereto by referring to and / or modifying the drawings of FIG. 1, However, the present invention is not limited to the above-described embodiments, This is not limited. Preferably, the wireless terminal 100 of FIG. 1 may include at least one of various smart phones capable of wireless communication, various tablet PCs, various PDAs, and various mobile phones.

1, the wireless terminal 100 includes a control unit 102, a memory unit 124, a screen output unit 104, a user input unit 106, a sound processing unit 108, a Bluetooth unit 110, A wireless LAN communication unit 118, a positioning unit 122, a USIM reader unit 120, and a USIM, and is provided with a battery for power supply, Respectively.

The control unit 102 is a general term for controlling the operation of the wireless terminal 100. The control unit 102 includes at least one processor and an execution memory, BUS). According to the present invention, the control unit 102 loads at least one program code included in the wireless terminal 100 into the execution memory through the processor, and outputs the result through at least one configuration And controls the operation of the wireless terminal 100. FIG. Hereinafter, the configuration of the program 130 of the present invention, which is implemented in the form of program code for convenience, will be described in the control unit 102.

The memory unit 124 is a general term of a nonvolatile memory corresponding to a storage resource of the wireless terminal 100 and includes at least one program code executed through the control unit 102 and at least one Save and maintain the dataset. The memory unit 124 basically includes a system program code and a system data set corresponding to the operating system of the wireless terminal 100, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal 100, The program code and data set corresponding to the program 130 of the present invention are also stored in the memory unit 124. [

The screen output unit 104 includes a screen output unit such as a liquid crystal display (LCD) and a driving module for driving the screen output unit 104. The screen output unit 104 is connected to the control unit 102, And outputs an operation result corresponding to the output to the screen output device.

The user input unit 106 includes at least one user input device (e.g., a button, a keypad, a touch pad, a touch screen 105 and the like) 102, and inputs data necessary for the operation of the control unit 102. The control unit 102 receives a command for instructing various operations of the control unit 102 or inputs data necessary for the operation of the control unit 102. [

The sound processing unit 108 includes a speaker for outputting a sound signal and a drive module for driving the speaker. The sound processing unit 108 decodes sound data corresponding to a sound output from the various calculation results of the control unit 102, Output. The sound processor 108 includes a microphone for receiving a sound signal and a driving module for driving the microphone. The sound processor 108 encodes a sound signal inputted through a microphone according to a predetermined encoding rule, and transmits the encoded sound signal to the controller 102 .

The Bluetooth unit 110 may be configured to perform a pairing based two-way Bluetooth wireless communication, asynchronous wireless communication (e.g., wireless communication in which request / response is processed asynchronously), a unidirectional wireless signal Based wireless signal according to a specification after Bluetooth Specification 4.0 (for example, Bluetooth Smart) as a general term of communication resources for processing at least one Bluetooth communication during transmission / reception of beacon signals . The Bluetooth unit 110 may receive the Bluetooth-based wireless signal and transmit the signal data included in the received wireless signal to the control unit 102. Or the signal data transmitted from the controller 102 may be transmitted including a Bluetooth-based wireless signal.

The camera unit 112 is composed of an optical unit corresponding to a camera, a CCD (Charge Coupled Device) and a drive module for driving the CCD unit, and acquires image data or image data in bitmap form input to the CCD through the optical unit . The data obtained through the camera unit 112 may include still image data or moving image data.

The NFC unit 114 may be a communication resource for processing one or more proximity wireless communications among two-way close proximity wireless communication, full-duplex proximity wireless communication, and half-duplex proximity wireless communication using a radio frequency signal as a communication medium at a close distance (e.g., , And is capable of processing proximity wireless communication according to the NFC (Near Field Communication) standard of the 13.56-MHz frequency band. Alternatively, the NFC unit 114 may process the proximity wireless communication of the ISO 18000 series standard, in which case it may process the proximity wireless communication for the frequency band other than the 13.56 Mz frequency band. For example, the NFC unit 114 can operate in a reader mode, a tag mode, or a bidirectional communication mode.

The wireless network communication unit 118 and the local area network communication unit 116 are collectively referred to as communication resources for connecting the wireless terminal 100 to a designated communication network. Preferably, the wireless terminal 100 may include a wireless network communication unit 118 as a basic communication resource, and may include one or more short-range network communication units 116.

The wireless network communication unit 118 is a collective term for communication resources for connecting the wireless terminal 100 to a wireless communication network via a base station and includes an antenna for transmitting and receiving a radio frequency signal of a specific frequency band, And at least one processing module. The control unit 102 is connected to the control unit 102 and transmits operation results corresponding to wireless communication among various operation results of the control unit 102 through a wireless communication network or receives data through a wireless communication network To the control unit 102, and performs the connection, registration, communication, and handoff procedures of the wireless communication. According to the present invention, the wireless network communication unit 118 can connect the wireless terminal 100 to a call network including a call channel and a data channel via the exchange, and in some cases, Based wireless network data communication (e.g., the Internet).

According to an embodiment of the present invention, the wireless network communication unit 118 is a mobile communication unit that performs at least one connection, a location registration, a call processing, a call connection, a data communication, and a handoff to a mobile communication network according to the CDMA / WCDMA / ≪ / RTI > Meanwhile, according to the intention of a person skilled in the art, the wireless network communication unit 118 may further include a portable internet communication structure for performing at least one of connection to the portable Internet, location registration, data communication and handoff according to the IEEE 802.16 standard, It is evident that the present invention is not limited by the wireless communication configuration provided by the wireless network communication unit 118. [ That is, the wireless network communication unit 118 is a collective term for a constituent unit connected to a wireless communication network through a cell-based base station irrespective of a frequency band of a wireless section, a type of a communication network, or a protocol.

The short-range network communication unit 116 is a generic name of communication resources for connecting a communication session using a radio frequency signal within a predetermined distance (for example, 10 m) as a communication medium and connecting the wireless terminal 100 to the communication network based on the communication session , The wireless terminal 100 may be connected to the communication network through at least one of Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB. According to an embodiment of the present invention, the local area network communication unit 116 may be integrated with or separated from the wireless network communication unit 118. According to the present invention, the short-range network communication unit 116 connects the wireless terminal 100 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader 120 is a generic term of a configuration for exchanging at least one data set with a universal subscriber identity module that is mounted or detached from the wireless terminal 100 based on the ISO / IEC 7816 standard , And the data set is exchanged in a half duplex communication manner through an APDU (Application Protocol Data Unit).

The USIM is an SIM type card having an IC chip according to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader 120, (Or processing) the program code for the IC chip or extracting (or processing) the data set in accordance with at least one command transmitted from the wireless terminal 100 in connection with the input / output interface To the input / output interface.

The positioning unit 122 is a collective term of positioning resources for positioning the position of the wireless terminal 100. The positioning unit 122 is preferably a positioning system using GPS (Global Positioning System), a network system positioning using network resources, And a hybrid method in which the wireless terminal 100 is combined with a network system. The terminal mode positioning is a technique for precisely positioning the position of the wireless terminal 100 through a GPS module (or a module including a GPS function) built in the wireless terminal 100, (Assisted-GPS) system that the base station 100 reads and informs the base station, a DGPS (Differential GPS) system that receives the correction signal from the ground reference receiver and corrects the error of the position signal received from the satellite, and the like have.

The control unit 102 of the wireless terminal 100 is connected to a designated program providing server (for example, an app store of Apple Inc.) via a data network connectable via at least one communication resource of the local area network communication unit 116 and the wireless network communication unit 118 Etc.), and the installed program 130 is executed according to a specified procedure.

Referring to FIG. 1, a program 130 of the wireless terminal 100 includes N (N > = 4) capacitive touchable touch units that are held at an offline merchant through a touch screen 105 and arranged in a designed geometric relationship An activation processing unit 135 for activating a state of precisely recognizing N multi-touches using the franchise point media 280 manufactured by the franchise shop 280, A touch recognition confirmation unit 140 for determining whether N touch points of the N touch points are recognized as multi-touches by the touch points of the N touch points, The touch point recognizing unit 145 recognizes recognition information for receiving the touch recognition using the touch point 280. The N touch points include N touch units provided in the merchant point medium 280, And a multi-touch if the authentication further comprising: a merchant medium authentication unit 150 for.

The offline affiliate shop according to the present invention is an offline affiliate shop that stores a predetermined number N (N > = 4) of touch portions electrostatically touchable on a capacitive touch screen 105 for reverse payment according to the present invention in a predetermined geometric relationship, (Not shown). According to an embodiment of the present invention, the off-line merchant may include a merchant terminal such as a POS terminal, but this is not essential for the reverse payment of the present invention, and the merchant terminal may not be provided in the offline merchant. However, the offline merchant may be provided with a terminal capable of receiving a payment amount for reverse payment and mapping the payment information including the input payment amount to the designated operation server 200, and for example, The terminal 270 may be a wireless terminal used by an affiliate shop owner (or employee). Preferably, the franchisee terminal 270 includes a terminal mapped with the franchisee media 280 held at the franchisee.

The franchise point media 280 is manufactured by arranging a predetermined number N (N? 4) of touch portions capable of electrostatically touching on the electrostatic touch screen 105 in a predetermined geometric relationship. The geometric relationship for arranging the N touch parts preferably includes a unique geometric relationship that is not overlapped. Preferably, the merchant medium 280 is a touch-sensitive, stamp-type medium on the touch screen 105, a touchable medium that is touch-sensitive to the touch screen 105 and carried by the merchant (or employee) May include at least one of a stationary media that is electrostatically contactable with the screen 105. In the meantime, it is not limited to one franchise medium 280 that can be held by one franchise shop, but a plurality of franchise shop media 280 may be held at the same franchise shop at the same time according to the method of implementation (for example, in the case of a gas station, ) Can be held).

According to the method of the present invention, the franchise point media 280 is manufactured by arranging a predetermined number N of touch units in a predetermined distance relationship or a predetermined angle relationship. That is, the number N of touch units is the same for each of the franchise point media 280, but the distance relation or the angle relationship for arranging the N touch units is uniquely designed for each franchise point media 280 without being duplicated. That is, the design geometric relationship in which the N touch units are arranged in the franchise point media 280 may be used as identification means for uniquely identifying the specific franchise point media 280 held at the specific franchise shop, The geometric relationship for arranging the N touch portions is mapped to the unique information of the franchise point media 280. [ The unique information of the franchise point media 280 may be mapped to the franchise point information having the franchise point media 280 so that the geometric relationship in which the N touch parts provided in the franchise point media 280 are arranged is determined by 280 as the identification means for identifying the specific franchisee.

According to the embodiment of the present invention, the N touch units arranged in a unique geometric relationship with the franchise point media 280 are manufactured so as not to be exposed to the outside of the franchise point media 280, whereby the geometric relationship of the N touch parts Confidentiality is maintained and the third party is blocked from arbitrarily stealing. Preferably, the franchise point medium 280 is manufactured by disposing N touch parts on one side of a non-transparent touch film having a thickness of about 0.2 mm in a designed unique geometrical relationship, and arranging N touch parts on both sides of the opaque touch film The one side area is embedded in the merchant's point media 280 and the other side area of the opaque touch film is exposed to the outside of the merchant's point media 280. The opaque touch film exposed to the outside of the merchant point medium 280 And the other one side region contacts the touch screen 105 to cause the electrostatic touch to the N touch portions.

The activation processing unit 135 activates the program 130 of the wireless terminal 100 in a state capable of precisely recognizing N multiple touches of the number of touch units provided in the merchant's point media 280 via the touch screen 105 do. The touch screen 105 provided in the wireless terminal 100 recognizes touches (or multi-touches of two points) by the finger and filters the touch input so that the touch by the finger is treated as a touch point of a user operation The activation processing unit 135 reads the touch event generated through the operating system of the wireless terminal 100 and precisely recognizes N multiple touches of the number of touch units included in the member store medium 280 Activate the state.

According to the embodiment of the present invention, the activation processing unit 135 may display an interface screen (for example, an interface screen designated to recognize multi-touch through the merchant's point media 280) through a program 130 of the wireless terminal 100 ) Can be activated, a state in which the number N of multi-touches of the touch units provided in the merchant's point media 280 can be precisely recognized can be activated.

The touch recognition confirmation unit 140 may recognize the N multi-touches through the touch screen 105 through the activation processing unit 135. The touch recognition confirmation unit 140 may receive the multi- It is confirmed whether or not N touch points corresponding to the number of touch units provided are multi-touch recognized. If touch points of less than N number of touch units provided on the merchant's point media 280 are multi-touch recognized, the touch recognition confirmation unit 140 recognizes that less than N touch recognizations are touch input for a conventional user operation And confirms that N touch points corresponding to the number of touch units provided on the merchant's point media 280 through the touch screen 105 are multi-touch recognized.

If it is confirmed through the touch recognition confirmation unit 140 that N touch points corresponding to the number of touch units included in the member store medium 280 are multi-touch recognized, the member store medium recognition unit 145 recognizes the multi- Touch point information (e.g., a touch coordinate value represented by a coordinate value on a specified coordinate system, and the like) for the N touch points recognized as the multi-touch is read by the touch event generated through the operating system of the wireless terminal 100, Recognizes recognition information for receiving the touch authentication using the franchise point media 280 held at the specific offline merchant point including the N touch points.

According to the method of the present invention, the franchise point media recognition unit 145 may include touch point information including touch coordinate values for the N touch points, and may store touch coordinates corresponding to the touch point information (For example, the type of the wireless terminal 100, the type of the touch screen 105, the coordinate system applied to the touch screen 105, etc.) for identifying the coordinate system for reading the value have.

Meanwhile, when it is confirmed that the N touch points are recognized as multi-touch through the touch recognition confirmation unit 140, the merchant's media authentication unit 150 reads the mutual positional relationship with respect to the N touch points, It is possible to authenticate whether or not the N touch points satisfy the condition of the recognized touch point by multi-touching the merchant point medium 280. [

According to an embodiment of the present invention, the franchise point media 280 is manufactured by disposing N touch parts in a predetermined geometrical relationship in a designated placement area (for example, a square area of 3 cm in width / length) 150 may read the mutual positional relationship with respect to the N touch points and authenticate whether the N touch points are disposed in the arrangement area of the merchant point media 280 and include the touched mutual positional relationship. Meanwhile, the franchise point media 280 may arrange N touch units in a unique geometric relationship, and arrange at least one touch unit among the N touch units at predetermined fixed positions. In this case, the geometric relationship of the N touch units Has a peculiar N-shaped structure by the touch portion disposed at the fixed position. In this case, the franchise point authentication unit 150 reads whether the mutual positional relationship of the N touch points has an allowable N-angular structure, and when the N touch points touch the franchise point media 280, It can be authenticated whether it corresponds.

According to the embodiment of the present invention, when the N touch points recognized by the multi-touch recognition unit 150 are authenticated as corresponding to the recognized N touch points by touching the merchant point medium 280, A procedure may be performed to authenticate that the N touch points are the specific member store medium 280 held at the specific offline merchant.

Referring to FIG. 1, a program 130 of the wireless terminal 100 includes a medium recognition information configuration unit 155 that configures medium identification information to be transmitted to a designated operation server 200 including the recognition information, A media recognition information transmission unit 160 for transmitting the configured media identification information to the designated operation server 200 and a management information management unit 160 for receiving the payment information through the terminal 270 of the merchant store holding the merchant media 280 from the operation server 200 Mapped with the unique information of the member store medium 280 produced by disposing the N touch parts in a geometric relationship in a design that matches the geometric relationship formed by the N touch points corresponding to the recognition information within a permissible error range, And a payment information receiving unit 165 for receiving the payment information recently mapped and registered within the predetermined time period and displaying a payment information display unit 170 displaying the received payment information on the screen of the wireless terminal 100 .

The media recognition information configuration unit 155 configures media recognition information to be transmitted to the designated operation server 200 including the recognition information recognized through the merchant's media recognition unit 145. [

According to the method of the present invention, when the program 130 is downloaded to the wireless terminal 100 for the first time (or before execution of the subscription), the program 130 of the wireless terminal 100 transmits the designated operation server (Or assigned) to receive the identification and authentication of the wireless terminal 100 in the state in which the program 130 is installed and operated in cooperation with the wireless terminal 100 in the designated storage area of the wireless terminal 100 , And the unique authentication information is also registered in the operation server 200. Preferably, the unique authentication information includes code values uniquely generated (or assigned) after the program 130 is downloaded to the wireless terminal 100 without being duplicated.

In the meantime, according to the embodiment of the present invention, in the designated storage area of the wireless terminal 100, unique identification information (for example, telephone number) assigned to uniquely identify the wireless terminal 100 before downloading the program 130 Number, MSISDN, IMSI, IMEI, UICC_ID, etc.) can be assigned / stored. However, the unique identification information is information for identifying the wireless terminal 100 and can not identify the wireless terminal 100 in which the program 130 is installed (i.e., The program 130 can not be authenticated because the program 130 can not be authenticated in the state where the program 130 is installed in the wireless terminal 100 130 may be installed and executed, the unique authentication information may be generated / allocated through the program 130 and stored in the designated storage area of the wireless terminal 100.

According to an embodiment of the present invention, the medium recognition information construction unit 155 forms medium recognition information including recognition information recognized through the franchise point media recognition unit 145, May further include at least one piece of information.

According to the first medium recognition information embodiment of the present invention, the medium recognition information configuration unit 155 includes recognition information recognized by multi-touching the franchise point media 280 on the touch screen 105, And the unique authentication information stored in the designated storage area of the storage medium 100. [

According to the second medium recognition information embodiment of the present invention, the medium recognition information configuration unit 155 includes recognition information recognized by multi-touching the franchise point media 280 on the touch screen 105, And unique identification information stored in a designated storage area of the storage medium 100. [

According to the third medium recognition information embodiment of the present invention, the medium recognition information construction unit 155 includes recognition information recognized by multi-touching the franchise point media 280 on the touch screen 105, And location information of the wireless terminal 100 positioned through the wireless terminal unit 122. [

According to the fourth media recognition information embodiment of the present invention, the media recognition information configuration unit 155 includes recognition information recognized by multi-touching the franchise point media 280 on the touch screen 105, (For example, a seed value specified in the designated code generation algorithm) is dynamically generated through the wireless terminal 100 (or the program 130) at the time of recognizing the medium identification information or transmitting the medium identification information And the generated code value).

According to the fifth media recognition information embodiment of the present invention, the media recognition information configuration unit 155 includes recognition information recognized by multi-touching the franchise point media 280 on the touch screen 105, And a user side password inputted through the program 130 of the wireless terminal 100 at the time of recognizing the medium identification information or transmitting the medium identification information.

According to the sixth media recognition information embodiment of the present invention, the media recognition information configuration unit 155 includes recognition information recognized by multi-touching the franchise point media 280 on the touch screen 105, It is possible to configure the medium recognition information further including recognition time information in which the recognition information is recognized through the recognition unit 145. [

According to the seventh medium recognition information embodiment of the present invention, the medium recognition information construction unit 155 includes recognition information recognized by multi-touching the franchise point media 280 on the touch screen 105, And information on the transmission time to be transmitted.

According to the eighth media recognition information embodiment of the present invention, the media recognition information configuration unit 155 includes recognition information recognized by multi-touching the franchise point media 280 on the touch screen 105, The seventh medium identification information, the seventh medium identification information, the seventh medium identification information, the seventh medium identification information, the seventh medium identification information, the seventh medium identification information, the seventh medium identification information, and the seventh medium identification information.

The medium identification information transmitting unit 160 transmits the medium identification information configured corresponding to at least one of the first to eighth media identification information embodiments to the designated operation server 200. [ The operation server 200 receives the medium identification information from the program 130 of the wireless terminal 100 and authenticates the validity of various configuration information included in the medium identification information according to the method.

If the unique authentication information for authenticating the unique identification of the wireless terminal 100 including the unique authentication information and the program 130 installed in the operation server 200 is registered in the medium identification information, The server 200 can authenticate the validity of the unique authentication information included in the medium identification information using the registered unique authentication information.

Or if the unique identification information is included in the medium identification information and the unique identification information of the wireless terminal 100 is registered in the operation server 200, the operation server 200 may use the registered unique identification information And authenticate the validity of the unique identification information included in the medium identification information.

Or when the location information of the wireless terminal 100 is included in the medium identification information and the address information (or location information) of the affiliated store having the affiliated store medium 280 is registered in the operation server 200, The server 200 can authenticate the validity of the location information of the wireless terminal 100 included in the medium identification information by using the address information (or the location information) of the affiliated store. In the present invention, the authentication of the location information is an auxiliary authentication means. For example, if the merchant is a delivery company, the location at which the merchant store medium 280 of the merchant is recognized by the user wireless terminal 100 may be the current location of the user (e.g., home, office, etc.) In this case, the location information of the wireless terminal 100 and the address information (or location information) of the merchant may not match.

Or if the media identification information includes a user authentication code dynamically generated through the wireless terminal 100 (or the program 130), the operation server 200 may determine whether the wireless terminal 100 130) generates a verification code using a code generation algorithm and a seed value used to generate the user side authentication code, and generates a verification code using the generated verification code to verify the validity of the user side authentication code included in the medium identification information Can be authenticated.

Or if the user identification information inputted through the program 130 of the wireless terminal 100 is included in the medium identification information, the operation server 200 transmits the medium identification information using the registered user's password The validity of the included user-side password can be authenticated.

The media recognition information including the recognized recognition information is received from the program 130 of the wireless terminal 100 by multi-touching the franchisee media 280 on the touch screen 105 and / or included in the medium recognition information When the validity of the various configuration information items is authenticated, the operation server 200 transmits N pieces of multi-touch recognized multi-touch information to the touch screen 105 of the user wireless terminal 100 using the identification information included in the medium identification information Performs an authentication procedure to authenticate that the geometric relationship formed by the touch points matches within the allowable error range with the design geometric relationship of the N touch parts disposed in the member store medium 280 held at the specific offline merchant. Meanwhile, the authentication procedure for authenticating the geometric relationship formed by the N touch points according to the embodiment may be performed through the separate authentication server 260, and thus the present invention is not limited thereto.

When the geometric relationship formed by the N touch points is authenticated to match within the allowable error range with the design geometric relationship of the N touch parts disposed in the franchise point media 280 held at the specific offline affiliation point, The unique information of the franchise point medium 280 in which the N touch parts are arranged is confirmed by the geometric relationship matching with the geometric relationship formed by the touch points.

The operation server 200 receives the unique information of the affiliated store medium 280 and the registered payment information through the terminal 270 of the affiliated store having the affiliated store medium 280, And transmits the payment information to the program 130 of the user wireless terminal 100.

According to the embodiment of the present invention, it is possible to use the franchise store medium 280 before or after the franchise shop media 280 is touched on the touch screen 105 of the user wireless terminal 100, The terminal 270 of the affiliated shop holding the affiliated store medium 280 receives a payment amount for making a reverse payment through the user wireless terminal 100 at a point in time And transmits the payment information including the payment amount and the unique information of the member store medium 280 to the designated operation server 200 so that the unique information of the member store medium 280, Information is mapped and registered. Preferably, the mapping-registered payment information includes a payment amount inputted through the terminal 270 of the merchant, and the merchant information (for example, the terminal 270 of the merchant together with the payment amount) The merchant information received from the operating server 200, or the merchant information previously registered in the operating server 200).

According to the first embodiment of the payment information registration method of the present invention, the terminal 270 of the merchant store can store unique information of the merchant store medium 280 held at the merchant store, and when the payment amount is input to the merchant terminal 270 The terminal 270 of the merchant may register the payment information including the input payment amount and the unique information of the merchant's point of sale 280 in the designated operating server 200.

According to the second payment information registration embodiment of the present invention, the operation server 200 can register and store the unique information of the franchise shop 280 and the franchise shop information of the franchise shop, and the franchise shop terminal 270 And store the merchant information. In this case, when the payment amount is inputted into the terminal 270 of the merchant, the terminal 270 of the merchant can register the payment information including the payment amount and the merchant information in the designated operating server 200, 200 may map and register the payment information and the unique information of the franchise point media 280 using the franchise point information.

According to the third embodiment of the payment information registration method of the present invention, the operation server 200 may store the unique information of the merchant's point media 280 and the unique ID of the merchant The authentication information may be registered and stored in the mapping, and the merchant terminal 270 may store the unique authentication information. The terminal 270 of the affiliated shop may register the payment information including the payment amount and the unique authentication information in the designated operation server 200 when the payment amount is inputted into the terminal 270 of the affiliated shop, The mobile terminal 200 may map and register the payment information and the unique information of the corresponding merchant store 280 using the unique authentication information.

According to the fourth payment information registration embodiment of the present invention, the operation server 200 can register and store the unique information of the franchise store 280 and the unique identification information that identifies the franchisee's terminal 270, , The franchisee terminal 270 may store the unique identification information. The terminal 270 of the franchisee may register the payment information including the payment amount and the unique identification information in the designated operation server 200 when the payment amount is inputted into the terminal 270 of the franchisee, The mobile terminal 200 can map and register the payment information and the unique information of the corresponding franchisee media 280 using the unique identification information.

According to the fifth payment information registration embodiment of the present invention, the payment information is at least partially combined with at least two of the first to fourth payment information registration embodiments, and is mapped with unique information of the member store medium 280 And the payment information includes a payment amount inputted through the terminal 270 of the merchant, and may further include merchant information for payment of the merchant.

According to an embodiment of the present invention, the operation server 200 may include a payment amount input through the terminal 270 of the merchant in accordance with at least one embodiment of the first to fifth payment information registration examples The payment information and the unique information of the franchise shop 280 can be mapped and registered and the terminal 270 of the franchisee can receive the payment information including the payment amount at any time and the unique information of the franchise shop 280 It can be registered and mapped to the operation server 200.

According to the embodiment of the present invention, at the time of registering the payment information including the payment amount and the unique information of the member store medium 280 from the terminal 270 of the merchant to the operation server 200, When the user wireless terminal 100 is not specified and the user wireless terminal 100 recognizes the unique information of the member store medium 280 and transmits the medium identification information including the unique information to the operation server 200 The user wireless terminal 100 to be provided with the payment information registered through the terminal 270 of the merchant can be specified.

According to the embodiment of the present invention, in order to specify any payment information to be provided to the user wireless terminal 100 among the payment information registered at any time through the terminal 270 of the merchant, time information, order information, One or more pieces of history information may be used. That is, the operation server 200 manages the time information on which the payment information including the payment amount is registered from the terminal 270 of the merchant, and the order information of each payment information is registered from the terminal 270 of the merchant And manages the history information of the payment information provided to one user wireless terminal 100 after each payment information is registered from the terminal 270 of the merchant.

When the medium identification information configured corresponding to at least one of the first to eighth media identification information embodiments is received from the program 130 of the user wireless terminal 100, (Not shown) of the various pieces of configuration information included in the recognition information, the geometric relationship formed by the N touch points corresponding to the recognition information included in the medium recognition information is stored in the member store medium 280 And the authentication result of the authentication procedure for matching within the allowable error range, the unique information of the franchisee media 280 is used to identify the terminal of the franchisee 270) and the mapping information registered in the mapping information registering step Check to provide a program 130 of the mobile terminal 100. The

According to the first embodiment of the payment information providing method of the present invention, the operation server 200 confirms the time at which the media recognition information is received from the program 130 of the wireless terminal 100, (For example, 2 minutes, 1 minute, 30 seconds, 1 minute, 30 minutes) on the basis of the time of receiving the medium recognition information after confirming the time information in which the unique information and mapping information registered with the unique information are registered Seconds, 10 seconds, etc.) through the terminal 270 of the merchant's terminal. If the payment information registered as a mapping through the terminal 270 of the merchant is not confirmed within the past predetermined period of time at the time of receiving the medium identification information, the operation server 200 determines that the merchant It is possible to wait for the registration of the payment information from the terminal 270 of the merchant store 270 and to request the merchant terminal 270 to register the payment information using the unique information of the merchant store 280 according to the method. If one payment information registered in the past time is present or one payment information is registered through the merchant's terminal 270 within a predetermined time based on the reception of the medium identification information, (200) can provide the confirmed / registered payment information to the program (130) of the wireless terminal (100).

On the other hand, if there are two or more pieces of payment information registered through the merchant's terminal 270 within the past predetermined time based on the time when the medium identification information is received from the program 130 of the wireless terminal 100, After receiving the medium identification information in a state in which one or more pieces of payment information registered through the merchant's terminal 270 exists, before the payment information is provided to the program 130 of the wireless terminal 100, When the new payment information is registered in real time through the terminal 270 and two or more registered payment information exists, the operation server 200 reads the order information of the registered two or more payment information, Determines the settlement information to be provided to the program (130) of the wireless terminal (100) as the settlement information most recently registered among the settlement information, And provide payment information to the program 130 of the wireless terminal 100.

If there is at least one payment information registered through the merchant's terminal 270 within the past predetermined time based on the time when the medium identification information is received from the program 130 of the wireless terminal 100, The control unit 200 reads the history information of the payment information and determines whether there is a history provided within the past predetermined time period designated by the user wireless terminal 100 that transmitted the medium identification information. According to the embodiment of the present invention, as the payment information including the payment amount can be registered any time in the terminal 270 of the merchant, the user wireless terminal 100 can be also used any number of times through the touch screen 105 It is possible to transmit the medium recognition information including the multi-touch recognized recognition information. Accordingly, when the media recognition information is received from the program 130 of the user wireless terminal 100 at a specific time point, the payment information registered within the past predetermined time through the terminal 270 of the merchant terminal is transmitted to the user wireless terminal 100 It may be in a given state. In this case, the operation server 200 preferably does not provide the payment information previously provided to the user wireless terminal 100 (i.e., if the same payment information is repeatedly provided, the user wireless terminal 100 transmits the payment information Which may interfere with the payment process. However, the present invention is not limited thereto, and the payment information previously provided to the specific user wireless terminal 100 may be provided again according to the method.

If there is at least one payment information registered through the merchant's terminal 270 within the past predetermined time based on the time when the medium identification information is received from the program 130 of the wireless terminal 100, The controller 200 reads the history information of the payment information and checks whether there is a history of providing the user wireless terminal 100 that has transmitted the medium identification information within a predetermined period of time specified by another wireless terminal. According to the embodiment of the present invention, there can be a plurality of wireless terminals capable of recognizing the franchise point media 280 of a particular franchisee at a specific point in time, and any of the wireless terminals can recognize the franchise point media 280 And may transmit the medium identification information to the operation server 200. For example, a plurality of customers visiting a merchant can request reverse payment using their wireless terminals at the same time (or at the same time). Accordingly, even if there is one or more payment information registered within a predetermined time in the past through the merchant terminal 270 at the point of time when the medium recognition information is received from the program 130 of the specific user wireless terminal 100 at a specific time, It may be already provided with another wireless terminal. In this case, it is preferable that the operating server 200 does not provide the payment information previously provided to the other wireless terminal to the specific user wireless terminal 100 (that is, when providing billing information to be provided to another user wireless terminal in duplicate) The same payment information can be double-paid through a plurality of user wireless terminals). In order to prevent such a double settlement, the merchant's stock (or employee) can control the reverse payment to be sequentially performed, and once the payment information registered through the merchant's terminal 270 is provided to the authorized user wireless terminal 100 (For example, even before the reverse payment is completed in the user wireless terminal 100 provided with payment information), new payment information may be registered through the merchant's terminal 270 to provide payment information to another wireless terminal have.

Meanwhile, according to the second payment information providing embodiment of the present invention, the payment information registered from the merchant's terminal 270 is provided on the basis of the time when the medium recognition information is received by the program 130 of the user wireless terminal 100 And transmits the identification information transmitted from the user wireless terminal 100 to the wireless terminal 100 including the recognition time information for recognizing the franchisee media 280 from the wireless terminal 100 or the transmission time information for transmitting the medium identification information The operation server 200 may determine and provide the payment information to be provided to the user wireless terminal 100 based on the recognition time information (or transmission time information) included in the medium identification information.

According to the second payment information providing embodiment, the operation server 200 checks the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100 , After confirming the time information in which the unique information and the registered billing information are registered through the merchant terminal 270 of the merchant terminal, and based on the recognition time information (or transmission time information) included in the medium recognition information, (For example, 2 minutes, 1 minute, 30 seconds, 1 minute, 30 seconds, 10 seconds, etc.) through the terminal 270 of the merchant. If the payment information registered and mapped through the merchant's terminal 270 is not confirmed within the past predetermined time based on the recognition time information (or transmission time information) included in the medium identification information, the operation server 200 determines The terminal 270 waits for the registration of the payment information from the terminal 270 of the merchant for a predetermined period of time (= designated timeout), and uses the unique information of the merchant store 280 to pay the payment information to the merchant terminal 270 You may be asked to register. If there is one payment information registered within a predetermined period of time based on the recognition time information (or transmission time information), or if the terminal 270 of the affiliate shop is notified within a predetermined time based on the recognition time information (or transmission time information) , The operating server 200 may provide the confirmed / registered payment information to the program 130 of the wireless terminal 100. In this case,

On the other hand, based on the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100, two or more payments (130) of the wireless terminal (100) after receiving the medium identification information in the presence of one or more pieces of payment information registered through the merchant terminal (270) When the new payment information is registered in real time through the merchant terminal 270 before the payment information is provided and more than one registered payment information exists, the operation server 200 determines that the registered two or more pieces of payment information are registered And transmits the payment information most recently registered among the registered two or more payment information to the program 130 of the wireless terminal 100 Determined by the information, it is possible to provide a program 130 of the radio terminal 100, the determined payment information.

On the basis of the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100, one or more payments If there is information, the operation server 200 reads the history information of the payment information and checks whether there is a history provided within the past predetermined time period to the user wireless terminal 100 that transmitted the medium identification information. According to the embodiment of the present invention, as the payment information including the payment amount can be registered any time in the terminal 270 of the merchant, the user wireless terminal 100 can be also used any number of times through the touch screen 105 It is possible to transmit the medium recognition information including the multi-touch recognized recognition information. Therefore, it is possible to store the recognition time information (or the transmission time information) included in the medium recognition information received from the program 130 of the user wireless terminal 100 at a specific time point Payment information may be provided to the user wireless terminal 100 in advance. In this case, the operation server 200 preferably does not provide the payment information previously provided to the user wireless terminal 100 (i.e., if the same payment information is repeatedly provided, the user wireless terminal 100 transmits the payment information Which may interfere with the payment process. However, the present invention is not limited thereto, and the payment information previously provided to the specific user wireless terminal 100 may be provided again according to the method.

On the basis of the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100, one or more payments If there is information, the operation server 200 reads the history information of the payment information, and the history of providing the user wireless terminal 100 that has transmitted the medium identification information to another wireless terminal within a predetermined period of time Check if it exists. According to the embodiment of the present invention, there can be a plurality of wireless terminals capable of recognizing the franchise point media 280 of a particular franchisee at a specific point in time, and any of the wireless terminals can recognize the franchise point media 280 And may transmit the medium identification information to the operation server 200. For example, a plurality of customers visiting a merchant can request reverse payment using their wireless terminals at the same time (or at the same time). Therefore, it is possible to register (or not register) within the past predetermined time period through the merchant terminal 270 based on the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the specific user wireless terminal 100 at a specific time The settlement information may be already provided to another wireless terminal. In this case, it is preferable that the operating server 200 does not provide the payment information previously provided to the other wireless terminal to the specific user wireless terminal 100 (that is, when providing billing information to be provided to another user wireless terminal in duplicate) The same payment information can be double-paid through a plurality of user wireless terminals). In order to prevent such a double settlement, the merchant's stock (or employee) can control the sequential reverse payment to be performed, and once the payment information registered through the merchant's terminal 270 is provided to the authorized user wireless terminal 100 (For example, even before the reverse payment is completed in the user wireless terminal 100 provided with payment information), new payment information may be registered through the merchant's terminal 270 to provide payment information to another wireless terminal have.

The payment information receiving unit 165 receives the payment information provided according to the first or second payment information providing embodiment from the operation server 200 receiving the medium identification information, The payment information received through the payment information receiving unit 165 is displayed on the screen of the wireless terminal 100 so that the user can check the payment amount corresponding to the payment information displayed on the screen of the wireless terminal 100, It is determined whether or not it corresponds to the settlement amount to be paid. Once the payment information is received through the payment information receiving unit 165 and the received payment information is displayed through the payment information display unit 170, the user can use the wireless terminal 100 of his / The user can proceed with the settlement process for the settlement information, and can abandon the settlement of the settlement information according to the execution method. That is, it is determined that payment is not completed because the payment information is displayed on the user wireless terminal 100, and it is not ready to start payment through the user wireless terminal 100 since payment information is received in the user wireless terminal 100 It is finished.

Referring to FIG. 1, a program 130 of the wireless terminal 100 includes a payment procedure for performing a payment procedure for processing payment for the payment information using a payment means available in the wireless terminal 100, A settlement result confirming unit 180 for confirming the settlement result of the settlement procedure and a settlement result confirming unit 180 for receiving the settlement result to the operation server 200 providing the settlement information, (185).

The settlement information receiving unit 165 receives payment information for recognizing the franchisee media 280 into the program 130 of the user wireless terminal 100 and / or receives the payment information through the payment information display unit 170 The payment procedure execution unit 175 performs a payment procedure for processing payment for the payment information using the payment means available in the wireless terminal 100. [

According to an embodiment of the present invention, when there are a plurality of payment means available in the program 130 of the wireless terminal 100, the payment procedure performing unit 175 may include a payment means And may perform the payment procedure of the payment information by using the selected payment means. If the payment means available in the program 130 of the wireless terminal 100 is one, the procedure for selecting the payment means may be omitted, and thus the present invention is not limited thereto. According to an embodiment of the present invention, the settlement procedure execution unit 175 may perform the settlement procedure for the settlement information in cooperation with the designated settlement system 265, or may perform the settlement procedure for the settlement information through the operation server 200, The settlement process for the settlement information can be performed through the settlement system 265 associated with the settlement system 200. Meanwhile, the program 130 of the wireless terminal 100 may transmit the payment means information of the user to the designated medium (for example, the issuer server that issued the payment means to the user or the issuer server A security server associated with the server, etc.). In this case, the payment procedure for the payment information can be performed using the payment means registered in the designated medium.

Meanwhile, according to another embodiment of the present invention, the payment procedure execution unit 175 drives a payment application corresponding to the payment means for processing the payment information to process the payment information, (For example, the payment information is shared through inter-process communication or the payment application received from the designated operation server 200 through the payment information receiving unit 165) (Processing to receive the same payment information as the information). The activated payment application performs a payment procedure for the payment information in cooperation with the designated payment system 265 or a payment system 265 associated with the operation server 200 via the operation server 200, The settlement process for the settlement information can be performed through the settlement process. Meanwhile, the payment application transmits payment means information of a user to a designated medium (for example, an issuer server that issued a payment means to the user or a security server associated with the issuer server) on the designated payment system 265 for the payment procedure, In this case, the payment procedure for the payment information can be performed using the payment means registered in the designated medium.

The payment result confirmation unit 180 checks the payment result of the payment procedure performed through the payment procedure execution unit 175 (or the separately-operated payment application), and transmits the confirmed payment result to the wireless terminal 100. [ Quot ;.

The settlement result providing unit 185 provides the settlement result confirmed by the settlement result confirming unit 180 to the operation server 200 so that the settlement of the settlement information is completed in the operation server 200 For example, payment approval, payment error, etc.). Meanwhile, if the settlement result of the settlement procedure is automatically recognized by the operation server 200 by the settlement procedure performed through the settlement procedure execution unit 175 via the operation server 200, The provider 185 may not provide the settlement result to the operation server 200, and thus the present invention is not limited thereto.

The operation server 200 confirms the terminal 270 of the merchant corresponding to the settlement result and provides the settlement result to the terminal 270 of the confirmed merchant so that the merchant host (or employee) The terminal 100 can notify that the reverse payment has been completed (for example, payment approval, payment error, etc.).

FIG. 2 illustrates a configuration of a reverse payment system using a merchant's point media 280 according to an embodiment of the present invention.

More specifically, FIG. 2 shows a configuration of a system for providing reverse payment using a merchant's point media 280 provided at an offline merchant. As a person skilled in the art to which the present invention pertains, 2 may be referenced and / or modified to infer various implementations of the reverse billing system (e.g., some of the components may be omitted, or broken down, or combined), but the invention is not limited to all of the above- And the technical features thereof are not limited only by the method shown in FIG.

The system of the present invention comprises a user wireless terminal 100 shown in FIG. 1 used by a user, a terminal 270 of an affiliate shop used at an offline affiliate shop side that sells goods / services to the user offline, And an operation server 200 interlocked with the program 130 of the user terminal or performing a designated procedure for reverse payment in cooperation with the terminal 270 of the franchisee.

The user wireless terminal 100 is a collective term of a wireless communication device used by a user and preferably includes a wireless terminal 100 such as a cellular phone, a smart phone, or a tablet PC owned or possessed by a user, A program 130 having the illustrated functional configuration is installed and executed. Hereinafter, the description with the user wireless terminal 100 as the main body is regarded as being executed through the program 130 installed in the user wireless terminal 100, although there is no separate instruction.

The program 130 of the user wireless terminal 100 recognizes the franchisee media 280 provided at the offline franchisee and recognizes the franchisee media 280 to communicate with the operating server 200 via a designated path can do. For example, the program 130 of the user wireless terminal 100 can communicate with the designated operation server 200 by using the franchise point medium 280 provided at the franchisee as a trigger. Meanwhile, the process of the program 130 of the user wireless terminal 100 communicating with the operation server 200 is not limited to the case of recognizing the franchisee media 280 provided at the franchisee, The user can communicate with the operation server 200 through a user operation.

The terminal 270 of the franchise shop is a collective term of a wireless communication device used by a franchisee (or an employee), and is preferably operated by a franchisee or a mobile terminal such as a mobile phone, a smart phone, or a tablet PC .

According to the embodiment of the present invention, the terminal 270 of the merchant receives the payment amount, maps the payment information including the payment amount and the unique information of the merchant store 280 to the designated operation server 200 Can be run. Hereinafter, the description using the terminal 270 of the franchisee as the main body is regarded as being executed through the program installed in the terminal 270 of the franchisee, although there is no separate instruction.

The franchise point medium 280 provided at the franchise shop is a collective term for media recognized by the user wireless terminal 100 for reverse payment provided at the offline franchise point. Preferably, the franchise point media 280 includes a touch screen 105, And N touch portions arranged in a unique geometric relationship designed to be electrostatically touchable and designed in advance. Preferably, the merchant medium 280 is a touch-sensitive, stamp-type medium on the touch screen 105, a touchable medium that is touch-sensitive to the touch screen 105 and carried by the merchant (or employee) And may include at least one medium of a stationary medium that is electrostatically contactable with the screen 105. [ In the meantime, it is not limited to one franchise medium 280 that can be held by one franchise shop, and a plurality of franchise shop media 280 may be held at the same franchise shop at the same time according to the method of implementation (for example, in the case of a gas station, ) Can be held).

The operating server 200 collectively refers to a server side configuration for communicating with the user wireless terminal 100 or the terminal 270 of an affiliate shop and performing one or more specified procedures for reverse payment according to the present invention, 270), a procedure of mapping and registering payment information including the payment amount from the terminal (270) of the merchant to the unique information of the merchant's point of sale (280), managing the user wireless terminal (100) 100) receiving the medium recognition information including recognition information that recognizes N touch points recognized as multi-touch on the touch screen 105, and generates N touch points corresponding to the recognition information included in the medium recognition information Is matched within the allowable error range with the geometric relationship in the design of the N touch parts provided in the specific member store medium 280 held at the specific offline merchant And confirms the unique information of the franchisee media 280 that is confirmed through the result of the authentication and confirms the payment information that has been recently mapped and registered within a predetermined period of time among the unique information and the registered payment information, To the terminal (100). The operating server 200 of the present invention is a general term of a server side configuration for performing one or more server side procedures designated for reverse payment in accordance with the present invention, and is not limited to a physical server device. That is, the operating server 200 of the present invention may be implemented in a software manner in a server device (for example, an app server interworking with the program 130 of the user wireless terminal 100) 100, or at least one server capable of communicating with the merchant's terminal 270, or a combination of two or more servers, and is not specifically limited by a particular physical server.

Referring to FIG. 2, the operation server 200 checks (or registers) one or more pieces of information for reverse payment according to the present invention in cooperation with the user wireless terminal 100 or the terminal 270 of an affiliate shop, And an information storage unit 205 for storing the information in a storage medium.

The terminal 270 of the merchant shop authenticates and authenticates the terminal 270 of the merchant who installed the program at the time of initial operation (or membership registration or affiliation shop subscription) The information storage unit 205 receives the unique authentication information from the terminal 270 of the affiliated shop and / or receives unique authentication information to be given to the terminal 270 of the affiliated shop And stores the unique authentication information of the terminal 270 of the franchisee on the designated storage medium based on the result of the determination. Meanwhile, the information storage unit 205 can identify (or register) the unique identification information of the franchise terminal 270 according to the method, and store the identification information in a designated storage medium.

The terminal 270 of the franchisee performs the franchise shop registration procedure, and the information storage unit 205 confirms (or registers) the franchise shop information to be used for the reverse payment as a result of the franchise shop registration procedure, Preferably, the merchant information is mapped with unique authentication information of the merchant terminal 270. In the case where the merchant information is included in the payment information registered in the operation server 200 at the merchant terminal 270, registration of the merchant information may be omitted, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, the information storage unit 205 stores the merchant-related information (e.g., name, address, telephone number, contact information, representative information, And the like may be registered and stored in a designated storage medium. Preferably, the merchant-related information may be mapped to unique authentication information (or merchant information) of the merchant terminal 270.

Meanwhile, in the case where the franchisee's terminal 280 according to the present invention is purchased (or received) from the franchisee, the terminal 270 of the franchisee performs a franchisee's media registration procedure, (Or registers) the unique information of the member store medium 280 provided in the member store as a result of the member store medium registration procedure, and stores it in the designated storage medium. Preferably, the unique information of the franchise point media 280 is mapped to unique authentication information (or franchise point information) of the franchisee terminal 270. Meanwhile, when registering the unique information of the franchise point media 280 at the time of registering the payment information at the franchise shop terminal 270, the unique information of the franchise point media 280 need not be registered in advance, It is not limited.

According to the method of the present invention, the franchisee terminal 270 can perform a procedure of registering a franchise-side password (for example, a franchise's PIN, etc.) for accessing an affiliated shop or registering payment information, May store the password of the merchant registered through the terminal 270 of the merchant on the designated storage medium. Preferably, the franchise-side password may be mapped to unique authentication information of the franchisee terminal 270. According to another embodiment of the present invention, the merchant's password may be stored in the designated storage area of the merchant's terminal 270 and used for the internal authentication procedure of the merchant terminal 270.

According to the method of the present invention, the franchisee terminal 270 may have a function of dynamically generating a disposable merchant-side authentication code (for example, one-time use code) for merchant access or for registration of payment information, The information storage unit 205 stores the merchant-side authentication information for authenticating the validity of the merchant-side authentication code dynamically generated at the merchant's terminal 270 (for example, the merchant- Or a code generation algorithm for dynamically generating the merchant-side authentication code in the terminal 270 of the merchant's shop, etc.), and store the generated code in a designated storage medium. Meanwhile, when the merchant-side authentication code dynamically generated in the terminal 270 of the merchant is authenticated through a separate code authentication server 260 (not shown), the merchant-side authentication information is interlocked with the code authentication server 260 And an information set for authenticating the validity of the merchant-side authentication code dynamically generated by the terminal 270 of the merchant shop. Preferably, the merchant-side authentication information may be mapped to unique authentication information of the merchant terminal 270 and stored.

The program 130 of the user wireless terminal 100 may be downloaded from the user wireless terminal 100 (or the user wireless terminal 100) The program 130 of the user wireless terminal 100 registers the unique authentication information for authenticating the unique identification information of the user wireless terminal 100. The information storage unit 205 stores the unique authentication information from the program 130 of the user wireless terminal 100 (Or the program of the user wireless terminal 100) on the basis of the result of the determination of the authentication information to be received and / or the unique authentication information to be given to the user wireless terminal 100, (130)) in the designated storage medium. The unique authentication information is also stored in a designated storage area of the user wireless terminal 100 through the program 130 of the user wireless terminal 100. [ Meanwhile, the information storage unit 205 can identify (or register) the unique identification information of the franchise terminal 270 according to the method, and store the identification information in a designated storage medium.

According to an embodiment of the present invention, the program 130 of the user wireless terminal 100 may include a user side password for authenticating the media recognition for recognizing the merchant's media 280 of the merchant or the media recognition-based reverse payment , A user PIN, etc.), and the information storage unit 205 stores the user-side password registered through the program 130 of the user wireless terminal 100 in a designated storage medium. Preferably, the user side password may be mapped and stored with unique authentication information of the user wireless terminal 100. Meanwhile, according to another embodiment of the present invention, the user side password may be stored in a designated storage area of the user wireless terminal 100 and used to authenticate the user in the program 130 of the user wireless terminal 100.

According to the embodiment of the present invention, the program 130 of the user wireless terminal 100 may be used for a medium recognition for recognizing the merchant's media 280 of the merchant or a disposable user authentication for authenticating the medium- In this case, the information storage unit 205 may store the validity of the user side authentication code that is dynamically generated in the program 130 of the user wireless terminal 100 (E.g., at least one seed value of at least one seed value for dynamically generating a user side authentication code in the program 130 of the user wireless terminal 100), user authentication information for authenticating the user wireless terminal 100 A code generation algorithm for dynamically generating a user side authentication code in the program 130, or the like), and store the generated code in a designated storage medium. Meanwhile, when the user side authentication code dynamically generated in the program 130 of the user wireless terminal 100 is authenticated through a separate code authentication server 260 (not shown), the user side authentication information is transmitted to the code authentication server 260 And an information set for receiving the authentication of the validity of the user side authentication code dynamically generated in the program 130 of the user wireless terminal 100 in cooperation with the user side authentication code 260. The user authentication information may be mapped to unique authentication information of the user wireless terminal 100 and stored.

According to an embodiment of the present invention, the program 130 of the user wireless terminal 100 performs a procedure of registering the payment means of the user to be used in the payment procedure, and the information storage unit 205 stores the user wireless A procedure of registering the payment means information of the user registered through the program 130 of the terminal 100 in the specified payment means DB is performed. According to an embodiment of the present invention, the payment means DB may be provided in the issuing company server provided in the operation server 200 or issuing payment means to the user.

If the payment server DB is provided in the operation server 200, the information storage unit 205 registers the payment method information of the user through the program 130 of the user wireless terminal 100, The payment means information may be mapped (or relationally linked) to the unique authentication information of the user wireless terminal 100 and stored in the payment means DB.

Meanwhile, if the payment means DB is provided to the issuer server that has issued the payment means to the user, the information storage unit 205 stores the payment means information registered through the program 130 of the user wireless terminal 100 To the issuer server, stores the payment token in the payment means DB of the issuer server, generates an identification token for identifying the payment means of the user between the operation server 200 and the issuer server, (Or an identification token generated through the issuer server), and stores the identification token in the designated storage medium by mapping the unique identification information of the user wireless terminal 100 with the unique authentication information. In this case, the issuing librarian maps the payment means information of the user and the identification token and stores the information in the payment means DB so that the unique authentication information of the user wireless terminal 100 registered in the operation server 200, The payment means information registered in the payment means DB of the mobile terminal can be remotely mapped.

Meanwhile, according to another embodiment of the present invention, when the payment procedure information is transmitted from the program 130 of the user wireless terminal 100 to the operation server 200, The present invention is not limited thereto.

Referring to FIG. 2, the operation server 200 receives payment information including a payment amount from the terminal 270 of the merchant store having the merchant store medium 280 and payment information And a payment information management unit 220 that manages at least one of time information, order information, and input information of the registered payment information. And a merchant authentication unit 215 for authenticating the terminal 270 of the merchant registering the payment information according to an embodiment of the present invention.

The terminal 270 of the merchant holding the merchant's point media 280 stores the payment information including the payment amount input through the merchant terminal 270 according to at least one embodiment of the first to fifth payment information registration embodiments of the present invention. And the unique information of the affiliated store medium 280 held by the affiliated store. The payment information registration unit 210 receives the payment information from the terminal 270 of the affiliated store, And the payment information, and registers them in a designated storage medium.

On the other hand, the merchant's authentication code generated through the merchant's terminal 270 at a time point before the payment information is registered at the merchant's terminal 270 and / When the merchant's password is received, the merchant authentication unit 215 receives the merchant's authentication code and / or the merchant's password from the merchant terminal 270, and transmits the registered information through the information storage unit 205 The authenticity of the merchant-side authentication code and / or the merchant-site password can be authenticated.

When the payment information including the payment amount inputted through the payment terminal 200 of the merchant through the payment information registration unit 210 is mapped and registered with the unique information of the member store medium 280, The payment information registration unit 210 manages the time information on which the payment information is registered and / or manages the time information on which the payment information is registered, and / or the payment information is provided to at least one user- And manages history information.

Referring to FIG. 2, the operation server 200 touches the merchant media 280 from the program 130 of the user wireless terminal 100 that has recognized the merchant media 280 through the touch screen 105 And a medium identification information receiving unit (225) for receiving medium identification information including the recognized identification information, wherein when the received medium identification information includes authentication information other than the identification information, And a medium recognition authentication unit (230) for authenticating the validity of various configuration information.

The program 130 of the user wireless terminal 100 recognizing the franchise point media 280 can recognize the franchise point media 280 by touching or notifying the franchise point media 280 according to at least one embodiment of the first to eighth media identification information embodiments of the present invention The medium identification information receiving unit 225 receives the medium identification information from the program 130 of the wireless terminal 100 and transmits the medium identification information to the medium 130. [ The standard time information at the time of receiving the recognition information can be confirmed.

If the unique identification information is included in the medium identification information received by the medium identification information receiving unit 225 and the wireless terminal 100 installed the program 130 through the information storage unit 205, When the unique authentication information for authentication is registered, the medium recognition authenticating unit 230 can authenticate the validity of the unique authentication information included in the medium identification information using the registered unique authentication information.

Or if the unique identification information is included in the medium identification information received through the medium identification information receiving unit 225 and the unique identification information of the wireless terminal 100 is registered through the information storage unit 205, The recognition authentication unit 230 can authenticate the validity of the unique identification information included in the medium identification information using the registered unique identification information.

Or the media recognition information received through the media recognition information receiving unit 225 includes the location information of the wireless terminal 100 and the address of the merchant having the merchant media 280 through the information storage unit 205 When the information (or the positional information) is registered, the medium recognition authentication unit 230 uses the address information (or the positional information) of the franchisee to calculate the positional information of the wireless terminal 100 Validity can be verified. In the present invention, the authentication of the location information is an auxiliary authentication means. For example, if the merchant is a delivery company, the location at which the merchant store medium 280 of the merchant is recognized by the user wireless terminal 100 may be the current location of the user (e.g., home, office, etc.) In this case, the location information of the wireless terminal 100 and the address information (or location information) of the merchant may not match.

Or the medium identification information received through the medium identification information receiving unit 225 includes the user side authentication code dynamically generated through the wireless terminal 100 (or the program 130) and the information storage unit 205 If the user authentication information for authenticating the user authentication code is registered through the user authentication unit 230, the medium authentication unit 230 determines whether the user authentication information is authenticated through the wireless terminal 100 (or the program 130) A verification code is generated using the code generation algorithm and the seed value used for generating the user side authentication code, and the validity of the user side authentication code included in the medium recognition information can be authenticated using the generated verification code have.

Or a user side password input through the program 130 of the wireless terminal 100 to the medium identification information received through the medium identification information receiving unit 225 and transmits the user side password through the information storage unit 205 to the user side When the password is registered, the medium recognition authentication unit 230 can authenticate the validity of the user side password included in the medium identification information using the registered user side password.

The medium recognition information receiving unit 225 receives the medium recognition information including the recognition information touch-recognized the merchant's medium 280 and / or receives the medium recognition information through the medium recognition / authentication unit 230 The touch authentication processing unit 235 determines that the geometric relationship formed by the touch points corresponding to the recognition information included in the medium recognition information is greater than the geometric relationship between the specific franchise media 280, and the authentication process of authenticating whether the matching is within an allowable tolerance range.

According to the first touch authentication method of the present invention, the touch authentication processing unit 235 is provided with N (N) keys provided in the member store medium 280 supplied / sold to each of the offline merchants from the maker that manufactures / The design geometric relationship information formed by the touch units and the unique information of the franchise point media 280 that identifies each franchise point media 280 can be registered and stored in the designated database. Preferably, the database includes M design geometric relationship information formed by N touch units provided in M (M? 1) franchise point media 280 and M unique information about each of N merchant point media 280 Can be stored in the mapping. In this case, the touch authentication processing unit 235 confirms a geometric relationship (e.g., a distance relation and / or an angle relationship) formed by N touch points corresponding to the recognition information included in the medium recognition information, (1? M? M) geometric relationships that match within the allowable error range with the geometric relationships formed by the N touch points corresponding to the recognition information among the geometric relations of the respective designation geometries do. If the geometric relationship formed by the N touch points is matched with the m geometric relation matched within the allowable error range, the touch authentication processing unit 235 obtains the m unique information mapped to the matched m geometry relationship As the unique information of the member store medium 280 that is touch-recognized by the user wireless terminal 100. [

According to the second touch authentication embodiment of the present invention, the geometric relationship formed by the N touch points corresponding to the recognition information included in the medium recognition information is N touches provided in the member store medium 280 held at the specific offline merchant point The authentication procedure for authenticating whether the geometric relationship formed by the units and matching within the allowable error range is performed by a separate designated authentication server 260 (e.g., a server for touch authentication operated by a manufacturer that manufactures / ). ≪ / RTI > The authentication server 260 receives M design geometric relationship information formed by N touch units provided in M (M? 1) franchise point media 280 and M unique pieces of geometric relationship information for N respective franchise point media 280 The information is mapped to a specified database for storage management. In this case, the touch authentication processor 235 provides the authentication server 260 with recognition information included in the medium recognition information, and the authentication server 260 generates N pieces of touch points corresponding to the recognition information (E.g., a distance relationship and / or an angle relationship), and determines a geometric relationship formed by N touch points corresponding to the recognition information among geometric relationships among design items of M merchant stores 280 stored in the database Identify the m (1? M? M) geometric relationships that match within the allowed tolerance range. If the geometric relationship formed by the N touch points is matched with the m geometric relationship matched within the allowable error range, the authentication server 260 determines the m unique information mapped with the matched m geometry relationship And the touch authentication processing unit 235 can confirm the m unique information received from the authentication server 260 as unique information of the member store medium 280 that is touch-recognized by the user wireless terminal 100. [

The operation server 200 transmits unique information, which is confirmed through the touch authentication processing unit 235, among the unique information and mapping information registered through the terminal 270 of the merchant store having the merchant store medium 280, And transmits the payment information to the program 130 of the user wireless terminal 100.

Referring to FIG. 2, the operation server 200 maps the unique information, which is confirmed through the touch authentication processing unit 235, among the payment information registered from the merchant terminal 270, And a payment information providing unit 245 for providing the confirmed payment information to the program 130 of the user wireless terminal 100. The payment information providing unit 245 receives the payment information,

The touch authentication processing unit 235 determines the geometric relationship formed by the N touch points corresponding to the recognition information included in the medium recognition information and the geometric relationship between the touch points of the specific franchise point media 280 stored in the specific franchisee matching within the allowable error range When the geometric relationship is confirmed and unique information of the affiliated store medium 280 corresponding to the identified geometric relationship is confirmed, the payment information verifying unit 240 obtains the touch information from the payment information registered from the merchant terminal 270 The payment information to be provided to the program 130 of the user wireless terminal 100 is mapped to unique information of the franchise point media 280 that has been confirmed through the processing unit 235 and which has been recently mapped and registered within a predetermined time, .

According to the first payment information providing embodiment of the present invention, the payment information verifying unit 240 confirms the time at which the medium identification information is received from the program 130 of the wireless terminal 100, (For example, 2 minutes, 1 minute, 30 seconds, 1 minute) based on the time of receiving the medium recognition information after confirming the time information in which the unique information and the registered payment information are registered through the time information acquisition unit 270 , 30 seconds, 10 seconds, etc.) through the terminal 270 of the merchant's terminal. If the payment information registered through the terminal 270 of the merchant is not confirmed within the past predetermined period of time at the time of receiving the medium identification information, the billing information checker 240 checks the billing information for a predetermined period of time The mobile terminal 270 may wait for the registration of the payment information from the terminal 270 of the franchisee and may request the terminal 270 of the franchisee to register the payment information using the unique information of the franchise store 280 according to the method. If one payment information registered in the past time is present or one payment information is registered through the terminal 270 of the merchant within a predetermined time based on the time when the medium identification information is received, The confirmation unit 240 can confirm the confirmed / registered payment information as payment information to be provided to the program 130 of the wireless terminal 100. [

On the other hand, if there are two or more pieces of payment information registered through the merchant's terminal 270 within the past predetermined time based on the time when the medium identification information is received from the program 130 of the wireless terminal 100, After receiving the medium identification information in a state in which one or more pieces of payment information registered through the merchant's terminal 270 exists, before the payment information is provided to the program 130 of the wireless terminal 100, When the new payment information is registered in real time through the terminal 270 and more than one registered payment information exists, the payment information checking unit 240 reads out the registered order information of the registered two or more payment information, The payment information to be provided to the program 130 of the wireless terminal 100 can be confirmed as the payment information most recently registered among the two or more payment information .

Meanwhile, when there is at least one payment information registered through the merchant's terminal 270 within the past predetermined time based on the time when the medium identification information is received from the program 130 of the wireless terminal 100, The confirmation unit 240 reads out the history information of the payment information and checks whether there is a history provided within the past predetermined time period designated by the user wireless terminal 100 that transmitted the medium identification information. According to the embodiment of the present invention, as the payment information including the payment amount can be registered any time in the terminal 270 of the merchant, the user wireless terminal 100 can be also used any number of times through the touch screen 105 It is possible to transmit the medium recognition information including the multi-touch recognized recognition information. Accordingly, when the media recognition information is received from the program 130 of the user wireless terminal 100 at a specific time point, the payment information registered within the past predetermined time through the terminal 270 of the merchant terminal is transmitted to the user wireless terminal 100 It may be in a given state. In this case, the payment information verifying unit 240 preferably does not provide the payment information previously provided to the user wireless terminal 100 (i.e., if the same payment information is repeatedly provided, It may interfere with proceeding the payment process for information). The settlement information verifying unit 240 may check the settlement information provided to the user wireless terminal 100 as settlement information to be provided to the program 130 of the user wireless terminal 100. [ However, the present invention is not limited thereto, and the payment information previously provided to the specific user wireless terminal 100 may be provided again according to the method.

Meanwhile, when there is at least one payment information registered through the merchant's terminal 270 within the past predetermined time based on the time when the medium identification information is received from the program 130 of the wireless terminal 100, The confirmation unit 240 reads out the history information of the payment information and checks whether there is a history of providing the user wireless terminal 100 that has transmitted the medium identification information within a predetermined period of time specified by another wireless terminal. According to the embodiment of the present invention, there can be a plurality of wireless terminals capable of recognizing the franchise point media 280 of a particular franchisee at a specific point in time, and any of the wireless terminals can recognize the franchise point media 280 And may transmit the medium identification information to the operation server 200. For example, a plurality of customers visiting a merchant can request reverse payment using their wireless terminals at the same time (or at the same time). Accordingly, even if there is one or more payment information registered within a predetermined time in the past through the merchant terminal 270 at the point of time when the medium recognition information is received from the program 130 of the specific user wireless terminal 100 at a specific time, It may be already provided with another wireless terminal. In this case, it is preferable that the payment information confirmation unit 240 does not provide the payment information previously provided to the other wireless terminal to the specific user wireless terminal 100 (that is, The same payment information can be settled through a plurality of user wireless terminals). Preferably, the settlement information verifying unit 240 can check settlement information having no history provided to other wireless terminals, as settlement information to be provided to the program 130 of the user wireless terminal 100. [

Meanwhile, according to the second payment information providing embodiment of the present invention, the payment information registered from the merchant's terminal 270 is provided on the basis of the time when the medium recognition information is received by the program 130 of the user wireless terminal 100 And transmits the identification information transmitted from the user wireless terminal 100 to the wireless terminal 100 including the recognition time information for recognizing the franchisee media 280 from the wireless terminal 100 or the transmission time information for transmitting the medium identification information The payment information verifying unit 240 can confirm the payment information to be provided to the user wireless terminal 100 based on the recognition time information (or transmission time information) included in the medium identification information.

According to the second payment information providing method, the payment information verifying unit 240 may receive the recognition time information (or transmission time information) included in the medium identification information received from the program 130 of the wireless terminal 100 And confirms the time information in which the unique information and the registered billing information are registered through the merchant's terminal 270. Then, based on the recognition time information (or transmission time information) included in the medium recognition information, The payment information registered and mapped is confirmed through the terminal 270 of the merchant within a predetermined time (for example, 2 minutes, 1 minute, 30 seconds, 1 minute, 30 seconds, 10 seconds, etc.). If the payment information registered through the merchant terminal 270 is not confirmed within the past predetermined time based on the recognition time information (or transmission time information) included in the medium identification information, The mobile terminal 270 waits for the registration of the payment information from the terminal 270 of the merchant for a predetermined period of time (= a specified timeout), and transmits the payment information to the merchant terminal 270 using the unique information of the merchant store medium 280 You may be asked to register your information. If there is one payment information registered within a predetermined period of time based on the recognition time information (or transmission time information), or if the terminal 270 of the affiliate shop is notified within a predetermined time based on the recognition time information (or transmission time information) The payment information verifying unit 240 can confirm the payment information to be provided to the program 130 of the wireless terminal 100 by checking the payment information.

On the other hand, based on the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100, two or more payments (130) of the wireless terminal (100) after receiving the medium identification information in the presence of one or more pieces of payment information registered through the merchant terminal (270) If new payment information is registered in real time through the terminal 270 of the merchant before the payment information is provided and more than one registered payment information exists, the payment information checking unit 240 determines that the registered two or more pieces of payment information Reads the registered order information, and transmits the most recently registered payment information among the two or more registered payment information to the program 130 of the wireless terminal 100 You can check with your billing information.

On the basis of the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100, one or more payments If there is information, the payment information verifying unit 240 reads the history information of the payment information and determines whether there is a history provided within the past predetermined time period to the user wireless terminal 100 that transmitted the medium identification information do. According to the embodiment of the present invention, as the payment information including the payment amount can be registered any time in the terminal 270 of the merchant, the user wireless terminal 100 can be also used any number of times through the touch screen 105 It is possible to transmit the medium recognition information including the multi-touch recognized recognition information. Therefore, it is possible to store the recognition time information (or the transmission time information) included in the medium recognition information received from the program 130 of the user wireless terminal 100 at a specific time point Payment information may be provided to the user wireless terminal 100 in advance. In this case, the payment information verifying unit 240 preferably does not provide the payment information previously provided to the user wireless terminal 100 (i.e., if the same payment information is repeatedly provided, It may interfere with proceeding the payment process for information). The settlement information verifying unit 240 may check the settlement information provided to the user wireless terminal 100 as settlement information to be provided to the program 130 of the user wireless terminal 100. [ However, the present invention is not limited thereto, and the payment information previously provided to the specific user wireless terminal 100 may be provided again according to the method.

On the basis of the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100, one or more payments If the information exists, the payment information verifying unit 240 reads the history information of the payment information and provides the user wireless terminal 100 that has transmitted the medium identification information to the mobile terminal 100 Check if history exists. According to the embodiment of the present invention, there can be a plurality of wireless terminals capable of recognizing the franchise point media 280 of a particular franchisee at a specific point in time, and any of the wireless terminals can recognize the franchise point media 280 And may transmit the medium identification information to the operation server 200. For example, a plurality of customers visiting a merchant can request reverse payment using their wireless terminals at the same time (or at the same time). Therefore, it is possible to register (or not register) within the past predetermined time period through the merchant terminal 270 based on the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the specific user wireless terminal 100 at a specific time The settlement information may be already provided to another wireless terminal. In this case, it is preferable that the payment information confirmation unit 240 does not provide the payment information previously provided to the other wireless terminal to the specific user wireless terminal 100 (that is, The same payment information can be settled through a plurality of user wireless terminals). Preferably, the settlement information verifying unit 240 can check settlement information having no history provided to other wireless terminals, as settlement information to be provided to the program 130 of the user wireless terminal 100. [

The payment information providing unit 245 provides the payment information confirmed by the payment information checking unit 240 to the program 130 of the user wireless terminal 100. [ The user wireless terminal 100 can receive the payment information and display it on the screen of the wireless terminal 100. The user wireless terminal 100 can use the payment means available in the wireless terminal 100 to perform a payment procedure for the payment information .

Referring to FIG. 2, the operation server 200 includes a settlement processing unit 250 for processing a server-side settlement procedure of a settlement procedure for the settlement information in cooperation with the user wireless terminal 100 provided with the settlement information, And a settlement result processing unit 255 for confirming the settlement result of the settlement procedure and providing the settlement result to the merchant's terminal 270.

When the user wireless terminal 100 provided with the payment information performs the payment procedure for the payment information in cooperation with the operation server 200, the payment procedure processing unit 250 transmits the payment information to the user wireless terminal 100, The payment system 265 may be interlocked to process the server-side settlement procedure for the settlement procedure. Meanwhile, when the user wireless terminal 100 processes a payment procedure for the payment information through a separate payment system 265, the payment procedure processing unit 250 may be omitted, and thus the present invention is not limited thereto .

The settlement result processing unit 255 may check the settlement result of the settlement procedure of the settlement information in conjunction with the settlement processing unit 250 and / or determine the program of the user wireless terminal 100 130 to confirm the settlement result for the settlement procedure. The payment result processing unit 255 provides the confirmed payment result to the merchant's terminal 270 to confirm the payment result of the payment procedure performed through the user wireless terminal 100 through the merchant's terminal 270 . Meanwhile, if the settlement procedure is processed through the settlement processing unit 250 and the settlement result of the settlement procedure is not provided to the user wireless terminal 100, the settlement result processing unit 255 may transmit the settlement result to the user wireless terminal 100 The program 130 of FIG.

3 is a diagram illustrating a registration process of the user wireless terminal 100 according to an embodiment of the present invention.

3 shows an example of the information registration process of the user wireless terminal 100 for the reverse payment. Referring to FIG. 3 and FIG. 3, if the user is a person skilled in the art, The present invention is not limited to the above-described embodiments, and various modifications and changes may be made without departing from the scope of the present invention. The technical characteristics are not limited only by the method shown in FIG.

Referring to FIG. 3, the program 130 of the user wireless terminal 100 uniquely identifies the wireless terminal 100 that installed the program 130 to the designated operation server 200, The operation server 200 requests the registration of the unique authentication information for authenticating the program 130 of the user wireless terminal 100 to the user wireless terminal 100 ), Identifies unique authentication information for authenticating the program 130 of the user wireless terminal 100 (step 305), and stores the authenticated authentication information generated or verified in the designated storage medium (310).

The program 130 of the user wireless terminal 100 is used to authenticate the user authentication code to be dynamically generated through the user wireless terminal 100 (or the program 130) The operation server 200 requests registration of information (315), and the operation server 200 checks or generates the user side authentication information for authenticating the user side authentication code in cooperation with the program 130 of the user wireless terminal 100 The unique authentication information and the user authentication information may be mapped and stored in a designated storage medium (320). Meanwhile, the program 130 of the user wireless terminal 100 requests the operation server 200 to register the user's password to be inputted through the program 130 of the user wireless terminal 100 (315) The operation server 200 may register the user side password in cooperation with the program 130 of the user wireless terminal 100 and may store the unique authentication information and the user side password in a designated storage medium 320, .

The program 130 of the user wireless terminal 100 requests the designated operating server 200 to register the user payment means used for payment using the program 130 of the user wireless terminal 100 in step 325, The operation server 200 performs a procedure of storing the payment means information of the user in the designated payment means DB in conjunction with the program 130 of the user wireless terminal 100, (Or remotely maps) the payment means information and the unique authentication information (335).

4 is a diagram illustrating a registration process of the merchant terminal 270 according to an embodiment of the present invention.

4 shows an example of the information registration process of the merchant terminal 270 for the reverse payment. Referring to FIG. 4 and FIG. 4, if the person skilled in the art is familiar with the present invention, Or variations may be made to various embodiments of the registration process (e.g., some steps may be omitted or procedures may be altered in order), but the present invention encompasses all of the above- The technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 4, the terminal 270 of the merchant point uniquely identifies the merchant terminal 270 that installed the program designated by the designated operating server 200, and at the same time authenticates the program installed and executed in the merchant terminal 270 The operation server 200 requests the registration of the unique authentication information of the merchant terminal 270 and the operation server 200 to identify the merchant terminal 270 in cooperation with the terminal 270 of the merchant, After confirming or generating the unique authentication information for authenticating the executed program (405), the unique authentication information is stored in the designated storage medium (410).

The merchant terminal 270 requests the designated operating server 200 to register the merchant-side authentication information for authenticating the merchant-side authentication code to be dynamically generated through the merchant terminal 270 (step 415) 200 may identify or generate the merchant-side authentication information for authenticating the merchant-side authentication code in cooperation with the merchant terminal 270, and may store the unique authentication information and the merchant-site authentication information in a specified storage medium (420). Meanwhile, the franchise terminal 270 requests the operation server 200 to register the franchise secret number to be input through the franchise terminal 270 (step 415). The operation server 200 then registers the franchise terminal 270, The password of the merchant is registered in association with the app of the merchant, and the unique authentication information and the password of the merchant are mapped and stored in the designated storage medium (420).

The merchant terminal 270 requests the designated operating server 200 to register merchant information to be used for settlement of the merchant shop 425 and the operating server 200 transmits the merchant store information The unique authentication information may be mapped to the merchant information and stored in a designated storage medium (430). The franchisee terminal 270 can request the operation server 200 to register the franchisee-related information on the franchisee according to the method of operation 425. The operation server 200 interworks with the franchisee terminal 270 The merchant-related information is registered, and the unique authentication information and the merchant-related information are mapped and stored in a designated storage medium (430).

The franchisee terminal 270 requests registration of the unique information of the franchisee media 280 provided at the franchisee in step 435 and transmits the registration request to the operation server 200 In association with the franchisee terminal 270, registers unique information of the franchisee media 280, maps the unique authentication information to the unique information of the franchisee media 280, and stores the unique information in a designated storage medium 440.

On the other hand, in the operation server 200, the geometric relationship formed by the N touch points recognized by the multi-touch on the touch screen 105 of the user wireless terminal 100 is N (N) in the specific member store medium 280 (Or server) that manufactures / supplies the merchant's media 280, the operating server 200 authenticates the merchant via the terminal (or server) M design geometric relationship information for each of the franchise point media 280 and M unique information for each of the M franchise point media 280 may be registered and mapped to a designated database (not shown) It is not limited.

FIG. 5 is a flowchart illustrating a payment information registration process according to an embodiment of the present invention.

More specifically, FIG. 5 illustrates a process of mapping the payment information including the payment amount and the unique information of the member store medium 280 to the operation server 200 in the terminal 270 of the merchant. Those skilled in the art will be able to refer to and / or modify the FIG. 5 to infer the various methods of carrying out the payment information registration process (e.g., omitting some steps or changing the order) However, the present invention is not limited to the technical features of the present invention.

Referring to FIG. 5, the terminal 270 of the merchant receives the payment amount for the reverse payment (500). If the payment amount is input, the merchant terminal 270 configures the payment information including the input payment amount according to at least one embodiment of the first to fifth payment information registration embodiments of the present invention The operation server 200 requests registration of the payment information including the payment amount and the unique information of the member store medium 280 to the designated operation server 200 in operation 510, And confirms the payment information and the unique information of the member store medium 280, and registers the registered information on the designated storage medium (515). The operation server 200 manages time information and / or order information and / or history information of the mapping-registered payment information (520).

FIG. 6 is a diagram illustrating a process of recognizing a franchise store medium 280 according to an embodiment of the present invention.

6 shows a case in which the program 130 of the user wireless terminal 100 recognizes recognition information corresponding to N touch points recognized as multi-touch on the touch screen 105, Information about the franchisee media 280 is provided to the operation server 200. Referring to FIG. 6 and / or modified by the person skilled in the art, It will be appreciated that various implementations of the process may be inferred (e.g., some steps omitted or alternate implementations), but the present invention encompasses all such contemplated implementations, The technical features thereof are not limited by the implementation method alone.

Referring to FIG. 6, the program 130 of the user wireless terminal 100 receives N multi-touches corresponding to the number of touch units provided in the merchant's media 280 through the touch screen 105 of the wireless terminal 100, (600). ≪ / RTI > If the function of precisely recognizing the N multi-touches is activated, the program 130 of the wireless terminal 100 transmits the N touch points of multi-touch recognition of the merchant's media 280 through the touch screen 105, It is possible to recognize the identification information corresponding to the identification information.

If the N multiple-touch precise recognition function is activated through the touch screen 105, the program 130 of the user wireless terminal 100 can be displayed on the touch screen 105, It is confirmed whether N touch points corresponding to the number of parts are multi-touch recognized (605).

If the N touch units included in the merchant's point media 280 are multi-touched (610) to the touch screen 105 of the wireless terminal 100, and it is confirmed that the N touch points are multi-touch recognized through the touch screen 105 The program 130 of the user wireless terminal 100 may include touch point information on the N touch points recognized by the multi-touch, so that the N touch points may touch the touch point using the member store medium 280 held at the specific offline affiliation point Recognition information for receiving the authentication is recognized (615).

According to the embodiment of the present invention, when the recognition information corresponding to the N touch points is recognized, the program 130 of the user wireless terminal 100 can authenticate the validity of the recognized recognition information (620 ). Preferably, the program 130 of the user wireless terminal 100 can authenticate whether the mutual positional relationship of the N touch points in the recognized recognition information includes a mutual positional relationship that can be formed by touching the member store medium 280 (620).

If the validity of the recognition information is not authenticated, the program 130 of the user wireless terminal 100 outputs the recognition error information of the member store medium 280 (635).

If the recognition information corresponding to N touch points is recognized (615) and / or the validity of the recognition information is authenticated (620) through the touch screen (105), the user wireless terminal According to at least one embodiment of the first to eighth media recognition information embodiments of the present invention, media recognition information including recognition information on N touch points recognized through multi-touch recognition through the touch screen 105 is configured 640). If the medium identification information including the identification information is configured, the program 130 of the user wireless terminal 100 transmits the medium identification information to the designated operation server 200 (645), and the operation server 200 Receives the medium identification information.

FIG. 7 is a diagram illustrating a reverse payment process according to an embodiment of the present invention.

In more detail, FIG. 7 shows the payment information registered at the merchant store having the merchant store 280 in the operation server 200 as the program 130 of the user wireless terminal 100 that has recognized the merchant store 280, 7 is a flowchart illustrating a process of processing payment information for the payment information in a reverse direction through the program 130 of the user wireless terminal 100. As a person skilled in the art, It will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined by the appended claims and their equivalents. And the technical characteristics thereof are not limited only by the method shown in FIG.

Referring to FIG. 7, in the program 130 of the user wireless terminal 100, the process of FIG. 6 is performed in which a plurality of touch points Upon receipt of the identification information, the operation server 200 receives the medium identification information including the identification information from the program 130 of the user wireless terminal 100 (700).

According to an embodiment of the present invention, the operation server 200 can authenticate the validity of the received medium identification information (705). Preferably, the operation server 200 may authenticate the validity of various configuration information included in the medium identification information.

If the validity of the medium identification information is not authenticated, the operation server 200 provides a media recognition error to the program 130 of the user wireless terminal 100 (step 765) The media recognition error may be received and output (770).

If the medium identification information is received from the program 130 of the user wireless terminal 100 and / or the validity of the medium identification information is authenticated, the operation server 200 determines whether the medium 130 is included in the medium identification information The geometric relationship formed by the two touch points corresponding to the recognition information is matched with the design geometric relationship with respect to the N touch parts provided in the specific franchise point media 280 provided in the specific offline franchise point and within the allowable error range An authentication procedure is performed (710).

If the geometric relationship formed by the N touch points and the geometric relationship in the design that is matched within the tolerance range are not confirmed, the operation server 200 transmits the medium recognition error (error) to the program 130 of the user wireless terminal 100 (765), and the user wireless terminal (100) may receive and output the medium recognition error (770).

Meanwhile, if the geometric relationship formed by the N touch points and the geometric relationship in the design that is matched within the tolerance range are confirmed, the operation server 200 determines that the geometric relationship between the touch points of the member store medium 280 corresponding to the matched geometric relationship And confirms the unique information (715).

According to the first touch authentication embodiment of the present invention, the operation server 200 receives N (N = 1, 2, 3, 4, 5, The design geometric relationship information formed by the touch parts and the unique information of the franchise point media 280 that identifies each franchise point media 280 can be registered and stored in the designated database. Preferably, the database includes M design geometric relationship information formed by N touch units provided in M (M? 1) franchise point media 280 and M unique information about each of N merchant point media 280 Can be stored in the mapping. In this case, the operation server 200 confirms a geometric relationship (e.g., distance relation and / or angle relation) formed by the N touch points corresponding to the recognition information included in the medium recognition information, The geometric relationship formed by the N touch points corresponding to the recognition information among the geometric relationships of the respective franchise point media 280 is matched with the m (1? M? M) geometric relationships matched within the allowable error range (710). If the geometric relationship formed by the N touch points is matched with the m geometric relationship matched within the allowable error range, the operation server 200 determines the m unique information mapped with the matched m geometry relationship (715) as the unique information of the member store medium 280 that is touch-recognized by the user wireless terminal 100. FIG.

According to the second touch authentication embodiment of the present invention, the geometric relationship formed by the N touch points corresponding to the recognition information included in the medium recognition information is N touches provided in the member store medium 280 held at the specific offline merchant point The authentication procedure for authenticating whether the geometric relationship formed by the units and matching within the allowable error range is performed by a separate designated authentication server 260 (e.g., a server for touch authentication operated by a manufacturer that manufactures / ). ≪ / RTI > The authentication server 260 receives M design geometric relationship information formed by N touch units provided in M (M? 1) franchise point media 280 and M unique pieces of geometric relationship information for N respective franchise point media 280 The information is mapped to a specified database for storage management. In this case, the operation server 200 provides the identification information included in the medium identification information to the authentication server 260, and the authentication server 260 searches for the geometric (I. E., Distance relationship and / or angle relationship) and determines the geometric relationship formed by the N touch points corresponding to the recognition information among the geometric relationships in the design for each of the M merchant stores (280) (1 ≤ m ≤ M) geometric relationships that match within a given error range (710). If the geometric relationship formed by the N touch points is matched with the m geometric relationship matched within the allowable error range, the authentication server 260 determines the m unique information mapped with the matched m geometry relationship And the operation server 200 can confirm the m unique information received from the authentication server 260 as unique information of the member store medium 280 that is touch-recognized in the user wireless terminal 100 (715) .

When the unique information of the specific merchant's point media 280 matching the geometric relationship formed by the N touch points corresponding to the recognition information is confirmed through the first or second touch authentication embodiment, 5, it is mapped with the unique information of the member store medium 280 matched with the geometric relationship formed by the N touch points among the payment information registered through the merchant's terminal 270, (720) with the payment information to be provided to the program 130 of the user wireless terminal 100.

According to the first embodiment of the payment information providing method of the present invention, the operation server 200 confirms the time at which the media recognition information is received from the program 130 of the wireless terminal 100, (For example, 2 minutes, 1 minute, 30 seconds, 1 minute, 30 minutes) on the basis of the time of receiving the medium recognition information after confirming the time information in which the unique information and mapping information registered with the unique information are registered Seconds, 10 seconds, etc.) through the terminal 270 of the merchant's terminal. If the payment information registered as a mapping through the terminal 270 of the merchant is not confirmed within the past predetermined period of time at the time of receiving the medium identification information, the operation server 200 determines that the merchant It is possible to wait for the registration of the payment information from the terminal 270 of the merchant store 270 and to request the merchant terminal 270 to register the payment information using the unique information of the merchant store 280 according to the method. If one payment information registered in the past time is present or one payment information is registered through the merchant's terminal 270 within a predetermined time based on the reception of the medium identification information, The mobile terminal 200 can confirm the payment information to be provided to the program 130 of the wireless terminal 100 (720).

On the other hand, if there are two or more pieces of payment information registered through the merchant's terminal 270 within the past predetermined time based on the time when the medium identification information is received from the program 130 of the wireless terminal 100, After receiving the medium identification information in a state in which one or more pieces of payment information registered through the merchant's terminal 270 exists, before the payment information is provided to the program 130 of the wireless terminal 100, When the new payment information is registered in real time through the terminal 270 and two or more registered payment information exists, the operation server 200 reads the order information of the registered two or more payment information, The payment information to be provided to the program 130 of the wireless terminal 100 may be checked (720).

If there is at least one payment information registered through the merchant's terminal 270 within the past predetermined time based on the time when the medium identification information is received from the program 130 of the wireless terminal 100, The control unit 200 reads the history information of the payment information and determines whether there is a history provided within the past predetermined time period designated by the user wireless terminal 100 that transmitted the medium identification information. According to the embodiment of the present invention, as the payment information including the payment amount can be registered any time in the terminal 270 of the merchant, the user wireless terminal 100 can be also used any number of times through the touch screen 105 It is possible to transmit the medium recognition information including the multi-touch recognized recognition information. Accordingly, when the media recognition information is received from the program 130 of the user wireless terminal 100 at a specific time point, the payment information registered within the past predetermined time through the terminal 270 of the merchant terminal is transmitted to the user wireless terminal 100 It may be in a given state. In this case, the operation server 200 preferably does not provide the payment information previously provided to the user wireless terminal 100 (i.e., if the same payment information is repeatedly provided, the user wireless terminal 100 transmits the payment information Which may interfere with the payment process. Preferably, the operation server 200 can check payment history information provided to the user wireless terminal 100 with payment information to be provided to the program 130 of the user wireless terminal 100 (step 720). However, the present invention is not limited thereto, and the payment information previously provided to the specific user wireless terminal 100 may be provided again according to the method.

If there is at least one payment information registered through the merchant's terminal 270 within the past predetermined time based on the time when the medium identification information is received from the program 130 of the wireless terminal 100, The controller 200 reads the history information of the payment information and checks whether there is a history of providing the user wireless terminal 100 that has transmitted the medium identification information within a predetermined period of time specified by another wireless terminal. According to the embodiment of the present invention, there can be a plurality of wireless terminals capable of recognizing the franchise point media 280 of a particular franchisee at a specific point in time, and any of the wireless terminals can recognize the franchise point media 280 And may transmit the medium identification information to the operation server 200. For example, a plurality of customers visiting a merchant can request reverse payment using their wireless terminals at the same time (or at the same time). Accordingly, even if there is one or more payment information registered within a predetermined time in the past through the merchant terminal 270 at the point of time when the medium recognition information is received from the program 130 of the specific user wireless terminal 100 at a specific time, It may be already provided with another wireless terminal. In this case, it is preferable that the operating server 200 does not provide the payment information previously provided to the other wireless terminal to the specific user wireless terminal 100 (that is, when providing billing information to be provided to another user wireless terminal in duplicate) The same payment information can be double-paid through a plurality of user wireless terminals). Preferably, the operation server 200 can check payment history information provided to another wireless terminal using payment information to be provided to the program 130 of the user wireless terminal 100 (step 720).

Meanwhile, according to the second payment information providing embodiment of the present invention, the payment information registered from the merchant's terminal 270 is provided on the basis of the time when the medium recognition information is received by the program 130 of the user wireless terminal 100 And transmits the identification information transmitted from the user wireless terminal 100 to the wireless terminal 100 including the recognition time information for recognizing the franchisee media 280 from the wireless terminal 100 or the transmission time information for transmitting the medium identification information The operation server 200 can check the payment information to be provided to the user wireless terminal 100 based on the recognition time information (or transmission time information) included in the medium identification information (operation 720).

According to the second payment information providing embodiment, the operation server 200 checks the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100 , After confirming the time information in which the unique information and the registered billing information are registered through the merchant terminal 270 of the merchant terminal, and based on the recognition time information (or transmission time information) included in the medium recognition information, (For example, 2 minutes, 1 minute, 30 seconds, 1 minute, 30 seconds, 10 seconds, etc.) through the terminal 270 of the merchant. If the payment information registered and mapped through the merchant's terminal 270 is not confirmed within the past predetermined time based on the recognition time information (or transmission time information) included in the medium identification information, the operation server 200 determines The terminal 270 waits for the registration of the payment information from the terminal 270 of the merchant for a predetermined period of time (= designated timeout), and uses the unique information of the merchant store 280 to pay the payment information to the merchant terminal 270 You may be asked to register. If there is one payment information registered within a predetermined period of time based on the recognition time information (or transmission time information), or if the terminal 270 of the affiliate shop is notified within a predetermined time based on the recognition time information (or transmission time information) The operating server 200 can confirm the payment information to be provided to the program 130 of the wireless terminal 100 in step 720. In step 720, .

On the other hand, based on the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100, two or more payments (130) of the wireless terminal (100) after receiving the medium identification information in the presence of one or more pieces of payment information registered through the merchant terminal (270) When the new payment information is registered in real time through the merchant terminal 270 before the payment information is provided and more than one registered payment information exists, the operation server 200 determines that the registered two or more pieces of payment information are registered And transmits the payment information most recently registered among the registered two or more payment information to the program 130 of the wireless terminal 100 You can see the information (720).

On the basis of the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100, one or more payments If there is information, the operation server 200 reads the history information of the payment information and checks whether there is a history provided within the past predetermined time period to the user wireless terminal 100 that transmitted the medium identification information. According to the embodiment of the present invention, as the payment information including the payment amount can be registered any time in the terminal 270 of the merchant, the user wireless terminal 100 can be also used any number of times through the touch screen 105 It is possible to transmit the medium recognition information including the multi-touch recognized recognition information. Therefore, it is possible to store the recognition time information (or the transmission time information) included in the medium recognition information received from the program 130 of the user wireless terminal 100 at a specific time point Payment information may be provided to the user wireless terminal 100 in advance. In this case, the operation server 200 preferably does not provide the payment information previously provided to the user wireless terminal 100 (i.e., if the same payment information is repeatedly provided, the user wireless terminal 100 transmits the payment information Which may interfere with the payment process. Preferably, the operation server 200 can check payment history information provided to the user wireless terminal 100 with payment information to be provided to the program 130 of the user wireless terminal 100 (step 720). However, the present invention is not limited thereto, and the payment information previously provided to the specific user wireless terminal 100 may be provided again according to the method.

On the basis of the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100, one or more payments If there is information, the operation server 200 reads the history information of the payment information, and the history of providing the user wireless terminal 100 that has transmitted the medium identification information to another wireless terminal within a predetermined period of time Check if it exists. According to the embodiment of the present invention, there can be a plurality of wireless terminals capable of recognizing the franchise point media 280 of a particular franchisee at a specific point in time, and any of the wireless terminals can recognize the franchise point media 280 And may transmit the medium identification information to the operation server 200. For example, a plurality of customers visiting a merchant can request reverse payment using their wireless terminals at the same time (or at the same time). Therefore, it is possible to register (or not register) within the past predetermined time period through the merchant terminal 270 based on the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the specific user wireless terminal 100 at a specific time The settlement information may be already provided to another wireless terminal. In this case, it is preferable that the operating server 200 does not provide the payment information previously provided to the other wireless terminal to the specific user wireless terminal 100 (that is, when providing billing information to be provided to another user wireless terminal in duplicate) The same payment information can be double-paid through a plurality of user wireless terminals). Preferably, the operation server 200 can check payment history information provided to another wireless terminal using payment information to be provided to the program 130 of the user wireless terminal 100 (step 720).

If the payment information to be provided to the program 130 of the user wireless terminal 100 is confirmed through at least one process, the operation server 200 transmits the payment information to the program 130 of the user wireless terminal 100, The program 130 of the user wireless terminal 100 is mapped with unique information of the matching merchant media 280 from the operation server 200 and is registered in a predetermined period of time The payment information is received (730) and the payment information is displayed on the screen of the wireless terminal (735).

The program 130 of the user wireless terminal 100 performs the payment procedure of the payment information through the payment means available in the wireless terminal 100 and transmits the payment procedure to the operation server 200 A server side settlement procedure may be performed 740b or a program 130 of the user wireless terminal 100 may perform a settlement procedure in conjunction with a separately designated settlement system 265 in operation 740a.

If the payment procedure is completed, the program 130 of the user wireless terminal 100 confirms the payment result for the payment procedure (745) and transmits the payment result to the operation server 200 (750 ). The operation server 200 confirms the payment result for the payment information (755). The payment result of the reverse payment processed through the user wireless terminal 100 is notified to the merchant terminal 270 by providing the payment result to the merchant's terminal 270 in operation 760.

100: wireless terminal 105: touch screen
130: program 135: active processor
140: Touch recognition confirmation unit 145: Merchant point media recognition unit
150: Merchant Media Authentication Unit 155: Medium Identification Information Configuration Unit
160: Medium recognition information transmission unit 165: Payment information reception unit
170: a payment information display unit 175: a payment procedure performing unit
180: Checking the settlement result part 185:
200: Operation server 205: Information storage unit
210: payment information registration unit 215: merchant authentication unit
220: payment information management unit 225: medium recognition information reception unit
230: Medium recognition and authentication unit 235: Touch authentication processing unit
240: Payment information confirmation unit 245: Payment information provision service
250: payment processing processing unit 255: payment result processing unit
270: Merchant's terminal 280: Merchant's media

Claims (17)

A method of executing via a program installed in a user wireless terminal having a touch screen capable of recognizing N (N > = 4) electrostatic multi-touches,
A first step of activating a state of precisely recognizing N multi-touches using the franchise point medium, which is created by disposing N touch parts possessed by an offline merchant through a touch screen in a designed geometric relationship;
A second step of confirming whether N touch points corresponding to the number of touch units provided on the merchant's media are recognized as multi-touch through the touch screen;
A third step of recognizing recognition information for receiving touch authentication using the merchant media stored in the specific offline merchant point including the touch point information for the N touch points recognized as the multi-touch;
The media recognition information including the recognition information is transmitted to a designated server, and the geometric relationship formed by the N touch points corresponding to the recognition information among the payment information registered through the terminal of the merchant store holding the merchant media, A fourth step of mapping the unique information of the affiliated store medium produced by disposing the N touch parts in a design geometric relationship matched within the predetermined period of time and receiving the payment information recently mapped and registered within a predetermined time; And
And a fifth step of performing a payment procedure for processing payment for the payment information by using a payment means available in the wireless terminal.
The method according to claim 1,
A touch-sensitive stampable medium on a touch screen,
Touch-sensitive, touch-sensitive, portable media carried by merchants (or employees)
And at least one medium of a stationary medium that can be electrostatically contacted to the touch screen, the medium being located at an affiliated store.
2. The method of claim 1,
Wherein the at least one touch point includes at least one distance relationship and an angle relationship formed by N touch points.
2. The method according to claim 1,
Further comprising the step of authenticating whether the mutual positional relationship between the N touch points recognized by the multiple touches includes a mutual positional relationship that can be formed through N touch units provided on the member store medium, Way.
The information processing apparatus according to claim 1,
(M > = 1) franchise media provided in each of the merchant stores, the M pieces of geometric relationships among the M design geometric relationships formed by the N touch parts provided at the respective merchant stores are matched within the allowable error range formed by the N touch points Wherein the method is used to identify a geometric relationship in a design.
The method according to claim 1,
And a payment amount input through the terminal of the merchant.
7. The method according to claim 6,
Further comprising merchant information for settlement of the merchant having the merchant media. ≪ RTI ID = 0.0 > 18. < / RTI >
The method according to claim 1,
Wherein the payment information is mapped to unique information of a specific member store medium having N touch units matched within a tolerance range and a geometric relationship formed by the N touch points among the payment information registered through the terminal of the merchant, Wherein the payment information is registered in a past time period based on a time point at which the medium recognition information is received from the server and includes the most recently registered payment information.
The method according to claim 1,
Wherein the payment information is mapped to unique information of a specific member store medium having N touch units matched within a tolerance range and a geometric relationship formed by the N touch points among payment information registered through a terminal of the merchant, And payment information that is registered within a past predetermined time based on a time point at which the medium identification information is received from the server and has no history provided to the user wireless terminal.
The method according to claim 1,
Wherein the payment information is mapped to unique information of a specific member store medium having N touch units matched within a tolerance range and a geometric relationship formed by the N touch points among the payment information registered through the terminal of the merchant, And the history information is recorded in a past time based on a time point at which the medium identification information is received at the server, and includes history-free payment information provided to any user terminal including the user wireless terminal. Payment Method.
The method according to claim 1,
Wherein the medium recognition information includes recognition time information in which the recognition information is recognized from the member store medium,
Wherein the payment information is mapped to unique information of a specific member store medium having N touch units matched within a tolerance range and a geometric relationship formed by the N touch points among payment information registered through a terminal of the merchant, Wherein the payment information is registered in a past time based on the recognition time information and includes the most recently registered payment information.
The method according to claim 1,
Wherein the medium recognition information includes recognition time information in which the recognition information is recognized from the member store medium,
Wherein the payment information is mapped to unique information of a specific member store medium having N touch units matched within a tolerance range and a geometric relationship formed by the N touch points among the payment information registered through the terminal of the merchant, And the settlement information registered in the past predetermined time based on the recognition time information and having no history provided to the user wireless terminal.
The method according to claim 1,
Wherein the medium recognition information includes recognition time information in which the recognition information is recognized from the member store medium,
Wherein the payment information is mapped to unique information of a specific member store medium having N touch units matched within a tolerance range and a geometric relationship formed by the N touch points among payment information registered through a terminal of the merchant, Wherein the payment information is registered in a past time based on the recognition time information and includes no history information provided to any user terminal including the user wireless terminal.
The method as claimed in claim 1,
And displaying the received payment information on the screen of the wireless terminal.
The method as claimed in claim 1,
Further comprising the step of selecting a payment means for processing payment of the received payment information.
16. The method as claimed in claim 1 or 15,
Driving a payment application corresponding to a payment means for processing payment of the received payment information; And
And processing the received payment application so that the payment information is provided to the driven payment application.
The method according to claim 1,
When the settlement procedure is performed,
Further comprising the step of providing a payment result of the settlement procedure to the server.

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