KR20170099014A - Method for Providing Payment by using One Way Short Distance Radio Frequency Signal between Mobile Device - Google Patents

Method for Providing Payment by using One Way Short Distance Radio Frequency Signal between Mobile Device Download PDF

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Publication number
KR20170099014A
KR20170099014A KR1020160020517A KR20160020517A KR20170099014A KR 20170099014 A KR20170099014 A KR 20170099014A KR 1020160020517 A KR1020160020517 A KR 1020160020517A KR 20160020517 A KR20160020517 A KR 20160020517A KR 20170099014 A KR20170099014 A KR 20170099014A
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KR
South Korea
Prior art keywords
information
wireless terminal
payment
user
app
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Application number
KR1020160020517A
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Korean (ko)
Inventor
김재형
권봉기
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주식회사 비즈모델라인
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Priority to KR1020160020517A priority Critical patent/KR20170099014A/en
Publication of KR20170099014A publication Critical patent/KR20170099014A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • H04W4/008—

Abstract

The present invention relates to a payment method using a unidirectional short-range radio signal between wireless terminals. The payment method using a unidirectional short-range wireless signal between wireless terminals according to the present invention comprises: a first step in which an application of a users wireless terminal registers, in a designated server, unique information which is to be provided to an affiliate stores wireless terminal, where an application associated with the application of the users wireless terminal is installed and executed, and unique authentication information to identify and authenticate the users wireless terminal where the application is executed as a payment medium possessed by a user; a second step in which the application of the users wireless terminal generates signal data including the unique information which can be recognized by the application of the affiliate stores wireless terminal and transmits the signal data through a short-range radio signal which can be transmitted a short distance from the users wireless terminal; a third step in which the application of the affiliate store wireless terminal reads the signal data corresponding to the short-range radio signal received by the affiliate store wireless terminal and recognizes recognition information including the unique information transmitted from the application of the user wireless terminal; a fourth step in which the application of the affiliate store wireless terminal receives a payment amount and transmits payment information including the payment amount and medium recognition information including the recognized unique information to the designated server; a fifth step in which the server receives the payment information and the medium recognition information from the application of the affiliate stores wireless terminal; a sixth step in which the server checks the application of the users wireless terminal mapped to the unique information and provides the payment information to the application of the users wireless terminal; and a seventh step in which the application of the users wireless terminal receives and outputs the payment information.

Description

TECHNICAL FIELD [0001] The present invention relates to a payment method using a unidirectional short-range wireless signal between wireless terminals,

The present invention is a method for installing and executing a predetermined application predetermined by a franchisee wireless terminal on the basis of a unidirectional short distance wireless signal transmission / reception between a user wireless terminal held by a user visiting an offline franchise store and a franchisee wireless terminal operated by the offline franchise store, The user wireless terminal that has transmitted the signal identifies the user to perform the payment procedure and identifies and authenticates the user with the payment medium owned by the user to be used for performing the payment procedure, To provide the user with a payment medium owned by the user to process the payment.

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.

On the other hand, some of the forward payment in the past may be replaced with a payment card of a merchant's mobile phone from a user's mobile phone through a short distance communication (e.g., infrared communication) between a cell phone carried by the user and a payment terminal, A method of providing information and payment has been proposed (Patent Laid-Open Publication No. 2001-0090485 (Oct. 18, 2001)). However, such a forward payment includes the problem of the conventional forward payment in that the user uses the mobile phone as a card instead of the card.

In order to solve the above problems, it is an object of the present invention to provide a method and system for providing an unlimited local wireless signal to a merchant wireless terminal based on a simplex wireless signal transmission / reception between a user wireless terminal owned by a user visiting an offline merchant and a wireless point- The user wireless terminal which has installed and executed the specified specific application and transmits the unidirectional short distance wireless signal identifies the user to perform the payment procedure and identifies and authenticates the user with the payment medium owned by the user to be used for performing the payment procedure, And a payment method using a unidirectional short-range wireless signal between wireless terminals that provides settlement information registered in the wireless terminal to the payment medium owned by the identified and authenticated user to process settlement.

A payment method using a unidirectional short-range wireless signal between wireless terminals according to the present invention is a payment method using unidirectional short-range wireless signals between wireless terminals, wherein unique information to be provided to an affiliate store wireless terminal installed and executed by an app of a user wireless terminal, The method comprising: a first step of registering unique authentication information for uniquely identifying and authenticating a terminal with a payment medium possessed by a user, in a designated server; and a step of receiving, from the application of the user wireless terminal, A second step of generating data and transmitting the data to be transmitted through a short distance wireless signal which can be transmitted from the user wireless terminal to a short distance; and a second step of transmitting signal data corresponding to the short distance wireless signal received from the affiliate store wireless terminal And transmits identification information including unique information transmitted from an app of the user wireless terminal to A fourth step of receiving the payment amount from the app of the merchant wireless terminal and transmitting the payment information including the payment amount and the medium identification information including the recognized unique information to the designated server, A fifth step of receiving, from the server, the payment information and the medium identification information from the application of the affiliate store wireless terminal; and a step of checking the application of the user wireless terminal mapped with the unique information at the server, A sixth step of providing the payment information to an application of the user wireless terminal, and a seventh step of receiving and outputting the payment information from the app of the user wireless terminal.

According to the present invention, the unique information may include a unique code unique to the designated storage area of the user wireless terminal.

According to the present invention, the unique information may include a dynamic code unique to an application of the user wireless terminal according to a code generation rule set to generate a code not overlapping with a dynamic code generated by an application of another user wireless terminal have. Meanwhile, the first step may include registering or updating the generated unique information from the app of the user wireless terminal to the server when generating unique information including the dynamic code.

According to the present invention, the signal data may further include a disposable code generated by the user wireless terminal. On the other hand, the disposable code can be authenticated through the app of the merchant wireless terminal. Meanwhile, the disposable code may be included in the medium identification information, transmitted to the server, and authenticated through the server.

According to the present invention, the payment method using the unidirectional short-range wireless signal between wireless terminals may display a synchronization state between the app of the affiliate store wireless terminal and the app of the user wireless terminal that receives the near- Determining synchronization information for the user wireless terminal, and including the synchronization information in the signal data in an app of the user wireless terminal.

According to the present invention, the signal data may further include synchronization information for indicating a synchronization state between the app of the affiliated store wireless terminal that received the short range wireless signal and the app of the user wireless terminal. The synchronization information may include at least one or more combinations of color information, character information, preference information, pattern information, image information, sound information, and moving image information.

According to the present invention, the signal data may include a predetermined m (1? M? M) app screen displayed among M (M? 1) app screens that can be displayed through the application of the user wireless terminal, (1? N? N) short-range communication resources among the N (N? 1) short-range communication resources provided in the user wireless terminal according to the short-range wireless signal.

According to the present invention, the signal data may be displayed by displaying a m (1? M? M) application screen of a specified M (M? 1) (1? N? N) short range communication resources among the N (N? 1) short distance communication resources provided in the terminal and may be transmitted in the short distance.

According to the present invention, the merchant wireless terminal may not transmit a response signal including response information for the near-field wireless signal.

According to the present invention, the third step is a step of reading the recognized unique information from the app of the affiliate store wireless terminal and authenticating whether or not the user wireless terminal is made up of a code system corresponding to the unique information transmittable via the short range wireless signal .

According to the present invention, the recognition information further includes a one-time code generated by the user's wireless terminal, and the third step may further include authenticating the validity of the one-time code included in the recognition information.

According to the present invention, the identification information further includes a disposable code generated by the user wireless terminal, the medium identification information further includes a disposable code included in the identification information, and the disposable code is transmitted through the server The validity can be authenticated.

According to the present invention, the recognition information further includes synchronization information determined by an app of the user wireless terminal, and the third step may further include outputting synchronization information included in the recognition information. The synchronization information may include at least one or more combinations of color information, character information, preference information, pattern information, image information, sound information, and moving image information.

According to the present invention, the payment information may further include merchant information provided in the merchant wireless terminal.

According to the present invention, in a case where the media recognition information includes the one-time code dynamically generated by the user wireless terminal, the payment method using the unidirectional short-range wireless signal between the wireless terminals may include: Authenticating the validity of the disposable code, transmitting the short range wireless signal, and authenticating the user wireless terminal installed with the application used for payment by the user with the payment medium of the user.

According to the present invention, when a unidirectional short-range wireless signal is transmitted from a user wireless terminal, a simple action (for example, a merchant's service (or employee) inputting a payment amount to a computer, etc.) There is an advantage in that the payment for the inputted payment amount is processed through the user wireless terminal without building a separate payment infrastructure in the merchant through the inputting and displaying to the user.

According to the present invention, by synchronizing the user wireless terminal that transmits the unidirectional short-range wireless signal with the wireless terminal of the merchant that recognized the wireless wireless terminal, even if a plurality of users visit the merchant at the same time and request payment, There is an advantage.

According to the present invention, even when a hacking wireless communication device is operated in the vicinity of a user wireless terminal or an affiliate shop wireless terminal by not transmitting a response signal related to signal recognition in the affiliate store wireless terminal that recognizes the unidirectional short range wireless signal, There is an advantage to provide merchant payment without worrying safe and convenient.

According to the present invention, even when a hacker's wireless communication device is operated near a user wireless terminal or an affiliate shop wireless terminal, no information related to settlement is exchanged through the unidirectional short-range wireless signal, There is an advantage of providing merchant payment.

FIG. 1 shows a configuration of a merchant payment system using a unidirectional short-range wireless signal between wireless terminals according to an embodiment of the present invention.
2 is a diagram illustrating a functional configuration of a user wireless terminal according to an embodiment of the present invention.
3 is a diagram showing a functional configuration of a wireless terminal of an affiliate shop according to an embodiment of the present invention.
4 is a diagram illustrating an information registration process of a user wireless terminal according to an embodiment of the present invention.
5 is a diagram illustrating an information registration process of a wireless terminal of an affiliate shop according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a process of transmitting a unidirectional short-range wireless signal of a user wireless terminal according to an embodiment of the present invention.
7 is a diagram illustrating a process of receiving a unidirectional short-range wireless signal and inputting a payment amount of a wireless terminal of a merchant according to an embodiment of the present invention.
8 is a flowchart illustrating a method for providing payment information and media identification information to an operation server at a merchant wireless terminal according to an embodiment of the present invention,
And a process of confirming the self-settlement medium.
9 is a diagram illustrating a process of providing payment information to a user settlement medium according to an embodiment of the present invention.
FIG. 10 is a view showing a merchant payment process through a user payment medium 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.

FIG. 1 shows a configuration of a merchant payment system using a unidirectional short-range wireless signal between wireless terminals according to an embodiment of the present invention.

FIG. 1 is a block diagram of a mobile terminal 300 according to an embodiment of the present invention. Referring to FIG. 1, the mobile terminal 300 is connected to a mobile wireless terminal 300, And transmits the unidirectional short-range wireless signal to the user wireless terminal 200, which identifies the user to perform the payment procedure, and at the same time identifies the user's payment to be used to perform the payment procedure And the payment information registered in the merchant wireless terminal 300 is provided to the payment medium owned by the user who is identified and authenticated, thereby processing the settlement. In the technical field of the present invention, As a person having ordinary knowledge, it is possible to refer to and / or modify the drawing 1 and send it to the merchant payment system It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it will be appreciated that the invention may be practiced otherwise than as specifically described herein (e.g., some embodiments are omitted, The technical features thereof are not limited by the implementation method alone.

The system of the present invention includes a user wireless terminal 200 having a function of transmitting a unidirectional short distance wireless signal with a user visiting an offline merchant and having a predetermined application 230 installed in advance, / Service, which is used by an offline merchant and which has a function of receiving a unidirectional short-range wireless signal and has a predetermined specific application 330 installed therein, and an affiliate shop wireless terminal (300) And an operation server 100 communicable with the user wireless terminal 200 owned by the user and performing a server-side procedure designated for payment according to the present invention.

The user wireless terminal 200 is a general term of a wireless communication device used by a user and preferably includes a wireless terminal such as a cell phone, a feature phone, a smart phone, a tablet PC, etc. owned by the user, And a predetermined specific application 230 having a function of transmitting a signal is installed and executed. Hereinafter, a description based on the user wireless terminal 200 is considered to be executed through the application 230 installed in the user wireless terminal 200, although there is no separate instruction.

According to an embodiment of the present invention, the user wireless terminal 200 includes a local communication unit for transmitting a unidirectional local area wireless signal within a predetermined distance, and the local area communication unit transmits the unidirectional local wireless signal Directional short-range wireless signal transmitted within a predetermined distance, a function of receiving a short-range wireless communication signal within a predetermined distance (for example, a short-range wireless communication function (E.g., a pairing-based short-range wireless communication) function and / or asynchronous short-range wireless communication (e.g., wireless communication in which requests and responses are communicated asynchronously without synchronization) As shown in FIG.

According to the embodiment of the present invention, the app 230 of the user wireless terminal 200 interlocks with the local communication unit of the user wireless terminal 200 to transmit signal data including unique information designated within a certain distance, The mobile wireless terminal 200 receives the payment information mapped with the unique information from the designated operating server 100 and transmits the payment information through the payment means of the user available in the user wireless terminal 200. [ (Or a function of interlocking with a separate payment app for performing the payment procedure of the payment information).

According to the embodiment of the present invention, the application 230 of the user wireless terminal 200 can display M (M? 1) app screens, Can be provided. On the other hand, the app 230 of the user wireless terminal 200 can display the m (1 ≦ m ≦ M) app screen designated by M among the M app screens, and the m- Quot; user " The app 230 of the user wireless terminal 200 displays the m-th app screen to the affiliate shop wireless terminal 300 among N (N? 1) short-range communication resources provided to the user wireless terminal 200 (1? N? N) short-range communication resources corresponding to the specified n-th short-range communication resources for transmitting unidirectional short-range wireless signals, the unidirectional short- Can be transmitted.

Meanwhile, according to another embodiment of the present invention, the app 230 of the user wireless terminal 200 may display the m-th application screen and then perform a user operation using the user interface (for example, (1 (n)) of the N (N > = 1) short-range communication resources provided to the user wireless terminal 200 based on the user's touch input Directional short-range wireless signal including signal data including short-range specific information within a certain distance through the short-range communication resource.

According to an embodiment of the present invention, the nth short-range communication resource included in the user wireless terminal 200 operates according to the specification of the Bluetooth standard 4.0 or later among N short-range communication resources provided in the user wireless terminal 200 And a Bluetooth part. However, if the nth short-range communication resource is not limited to the specification of the Bluetooth Specification 4.0 or later, and if a short-range short-range wireless signal can be transmitted to the user wireless terminal 200 at a short distance, It is obvious that it belongs to the nth short range communication resource.

According to the embodiment of the present invention, the app 230 of the user wireless terminal 200 receives the unidirectional short-range wireless signal before or during the transmission of the unidirectional short-range wireless signal including signal data including unique information Determines the synchronization information for indicating the synchronization state between the application 330 of the affiliation shop wireless terminal 300 and the app 230 of the user wireless terminal 200 and transmits the synchronization information through the user wireless terminal 200 And transmits the signal data through the unidirectional short-range wireless signal including the synchronization information. Preferably, the synchronization information may include at least one of color information, character information, preference information, glyph information, image information, sound information, and moving image information, or a combination of two or more thereof.

According to the embodiment of the present invention, the application 230 of the user wireless terminal 200 can be configured to communicate with a designated application server, and the operation server 100 can be implemented in software form in the application server, It can be implemented as a separate server linked with the app server. According to the embodiment of the present invention, the app 230 of the user wireless terminal 200 can communicate with the app server or receive various services provided by the app server before transmitting the unidirectional short range wireless signal, And can communicate with the operation server 100 by displaying the m-th application screen (or through a user operation designated on the m-th application screen). That is, the app 230 of the user wireless terminal 200 displays the m-th app screen without a separate connection process or complicated connection authentication process for accessing the operating server 100, Communication can be performed. However, the process of communicating with the operating server 100 by the app 230 of the user wireless terminal 200 is not limited to the case of displaying the app screen, and even if the m-th app screen is not displayed, And may communicate with the operating server 100 via the Internet.

The affiliate shop wireless terminal 300 is a collective term of a wireless communication device operated by an offline merchant and is preferably a wireless terminal such as a mobile phone, a feature phone, a smart phone, a tablet PC, etc., And receives at least a unidirectional short-range wireless signal, and installs a predetermined application 330 in advance. Hereinafter, the description using the merchant wireless terminal 300 as the main body is regarded as being executed through the app 330 installed in the merchant wireless terminal 300, although there is no separate instruction.

According to an embodiment of the present invention, the affiliate shop wireless terminal 300 includes a local communication unit for receiving a unidirectional local wireless signal transmitted within a certain distance, and the local communication unit transmits the unidirectional local wireless signal For example, a function of transmitting a unidirectional short-range wireless signal within a predetermined distance, a function of transmitting a unidirectional short-range wireless signal within a certain distance, a function of transmitting a unidirectional short- (E.g., a pairing based near field wireless communication) function and / or an asynchronous short range wireless communication (e.g., wireless communication in which requests and responses are asynchronously communicated without synchronization) Communication) function.

According to an embodiment of the present invention, the app 330 of the affiliate shop wireless terminal 300 is connected to the local wireless communication unit of the affiliate shop wireless terminal 300, A function of reading out signal data corresponding to a signal and recognizing recognition information including unique information included in the signal data; a function of reading payment information including a payment amount inputted through the affiliate shop wireless terminal 300, And a function of mapping the unique information included in the recognition information and registering the unique information in the designated operation server 100.

According to the embodiment of the present invention, the app 330 of the affiliate shop wireless terminal 300 can display T (T? 1) app screens, Can be provided. On the other hand, the app 330 of the merchant wireless terminal 300 can display a t (1? T? T) app screen (e.g., an app screen for inputting a payment amount) The t-t app screen may include a merchant's app screen designated for merchant payment according to the present invention. The application 330 of the affiliate shop wireless terminal 300 is executed and at the same time the application wireless terminal 300 of the affiliate shop wireless terminal 300 transmits the one- (1 < / = N < / = N) short-range communication resources to activate the nth short-range communication resource or to activate the nth short-range communication resource. The local communication unit corresponding to the nth local communication resource activated by the affiliate shop wireless terminal 300 receives the unidirectional local area wireless signal transmitted from the local area within a predetermined distance and outputs the signal data corresponding to the received unidirectional local area wireless signal And provides it to the app 330. Preferably, the app 330 of the merchant wireless terminal 300 can receive signal data corresponding to the unidirectional short-range wireless signal received through the nth short-distance communication resource while displaying the designated t-application screen, Even if the t-th app screen (e.g., an app screen for inputting a payment amount) is not displayed, signal data corresponding to the unidirectional short-range wireless signal received through the n-th short- t app screen (for example, an app screen for inputting a payment amount, etc.) can be displayed automatically (or after confirming by a merchant (or employee)).

According to the embodiment of the present invention, the nth short-range communication resource provided in the affiliate shop wireless terminal 300 operates according to the specification of the Bluetooth specification 4.0 or later among N short-range communication resources provided in the affiliate shop wireless terminal 300 And a Bluetooth part. However, if the nth short-range communication resource is not limited to the specification of the Bluetooth standard 4.0 or later, and if the short-range communication unit of any standard is provided in the affiliate shop wireless terminal 300 and can receive the unidirectional short- It is obvious that it belongs to the nth short range communication resource.

According to the embodiment of the present invention, when the app 230 of the user wireless terminal 200 transmits a unidirectional short-range wireless signal including signal data including the synchronization information, (E.g., color information, character information, symbol information, glyph information, image information, sound information, etc.) after reading the signal data and recognizing recognition information further including the synchronization information, At least one of the moving picture information, or a combination of two or more of the moving picture information). Thus, even if a plurality of users request settlement via their wireless terminals at a short distance, the merchant's agent (or employee) operating the merchant wireless terminal 300 can access the merchant wireless terminal 300 through the app 330 of the merchant wireless terminal 300 It is possible to identify and recognize a recognized payment medium of a certain user.

According to the embodiment of the present invention, the app 330 of the affiliate shop wireless terminal 300 can be configured to communicate with a designated app server, which is implemented in software form in the app server, It can be implemented as a separate server linked with the app server. According to the embodiment of the present invention, the app 330 of the affiliate shop wireless terminal 300 can communicate with the app server or receive various services provided by the app server before receiving the unidirectional short range wireless signal, And can communicate with the operating server 100 by displaying the t-th app screen (or receiving a unidirectional short-range wireless signal). That is, the app 330 of the affiliate shop wireless terminal 300 displays the t-th app screen or receives the unidirectional short-range wireless signal without a separate connection process or complicated connection authentication process for accessing the operation server 100 And can communicate with the pre-designated operating server 100. However, the process of communicating with the operating server 100 by the app 330 of the merchant wireless terminal 300 is not limited to the case of displaying the app screen or receiving the unidirectional short distance wireless signal, And can communicate with the operating server 100 through a designated application operation on the operating server 100.

The operating server 100 communicates with the apps 230 of the user wireless terminal 200 or the apps 330 of the merchant wireless terminal 300 and performs a predetermined procedure for payment of merchant payment according to the present invention. The unique information specified from the app 230 of the user wireless terminal 200 and the user wireless terminal 200 executing the app 230 are uniquely identified with the payment medium possessed by the user, And receiving the unidirectional short-range radio signal transmitted from the user wireless terminal 200 and receiving the unique information from the app 330 of the affiliate wireless terminal 300 that recognizes the unique information, A process of mapping and registering the payment information including the payment amount input through the terminal 300 and the recognized unique information, a process of receiving a payment corresponding to the unique authentication information mapped with the unique information, The application 230 of the user wireless terminal 200 that has installed the predetermined application 230 and transmits the unidirectional short range radio signal including the unique information in a short distance) And a procedure for mapping the unique information from the application 330 and providing the registered payment information. The operating server 100 of the present invention is a general term of a server side configuration for performing one or more designated procedures for payment of an affiliate shop according to the present invention and is not limited to a physical server device. That is, the operating server 100 of the present invention may be implemented in software (e.g., an application server) or a mobile terminal 300 of an affiliate terminal of the user wireless terminal 200, It should be understood that the present invention is not limited to a specific physical server, but may be implemented in the form of at least one server or a combination of two or more servers capable of communicating with the app 330 of FIG.

Referring to FIG. 1, the operation server 100 is connected to an app 230 of a user wireless terminal 200 or an app 330 of a merchant wireless terminal 300, And an information storage unit 105 for confirming (or registering) the information and storing the information in a designated storage medium.

The app 330 of the affiliated shop wireless terminal 300 is downloaded from the affiliated shop wireless terminal 300 to the merchant wireless terminal 300 when the app 330 is downloaded and installed for the first time The information storage unit 105 performs a procedure of registering the merchant authentication information for uniquely identifying and authenticating the combination of the apps 330 installed and installed in the merchant wireless terminal 300. The information storage unit 105 stores the application Or the merchant wireless terminal 300 that has installed the app 330 through the app 330 of the affiliate shop wireless terminal 300 receives the merchant authentication information separately determined through the app 330 from the affiliate shop wireless terminal 300 and / ) Of the merchant wireless terminal 300 and the merchant authentication information unique to the merchant wireless terminal 300 based on the result of the merchant authentication process Information to the specified storage medium The chapter.

According to the embodiment of the present invention, the merchant authentication information is uniquely determined uniquely when the app 330 of the merchant wireless terminal 300 is installed for the first time (or executed for joining) after the installation of the merchant wireless terminal 300, (E.g., a UUID, a device token, an app ID, etc.) that is stored in the designated storage area of the affiliate store wireless terminal 300 through the app 330 of the affiliate store wireless terminal 300. [ However, the merchant authentication information of the present invention is not limited to the above-described identification authentication information, and the combination of the apps 330 installed in the merchant wireless terminal 300 or the merchant wireless terminal 300 can be authenticated We will make it clear that any information can be included if it is information. Preferably, the merchant authentication information identifies the merchant wireless terminal 300 uniquely (i.e., it is stored in a designated storage area of the merchant wireless terminal 300 so that it can be uniquely identified to the merchant wireless terminal 300) (I.e., after the app 330 is installed in the merchant wireless terminal 300), the app 330 is uniquely determined so as not to be duplicated and then transmitted to the merchant wireless terminal 300 through the corresponding app 330 It is stored in the designated storage area, so that the corresponding application 330 can be authenticated).

According to the embodiment of the present invention, the app 330 of the affiliate shop wireless terminal 300 is pre-assigned to the merchant wireless terminal 300 before the application 330 is installed in addition to the merchant authentication information, (E.g., telephone number, IMSI, MSISDN, UICCID, etc.) stored in a designated storage area of the terminal 300. In this case, the information storage unit 105 stores the terminal identification information The terminal identification information may be received from the app 330 of the terminal 300 and stored in the designated storage medium. Preferably, the terminal identification information may be mapped with the merchant authentication information.

According to the embodiment of the present invention, the app 330 of the affiliate shop wireless terminal 300 performs the affiliate shop subscription procedure, and the information storage unit 105 stores the information The merchant information may be stored in a designated storage medium. The merchant information may be mapped to the merchant authentication information (or terminal identification information). In the case where the merchant information is included in the payment information registered in the operating server 100 by the app 330 of the merchant wireless terminal 300, the registration of the merchant information may be omitted, and thus the present invention is not limited thereto.

According to the method of the present invention, the information storage unit 105 stores the merchant-related information (e.g., name, address, telephone number, contact information) from the app 330 of the affiliate shop wireless terminal 300 as a result of the merchant shop- , Representative information, business number, etc.) may be registered and stored in a designated storage medium. Preferably, the merchant-related information may be mapped to the merchant authentication information (or terminal identification information, merchant information, etc.).

According to the embodiment of the present invention, the app 330 of the merchant wireless terminal 300 can perform a procedure of registering a password (for example, a merchant PIN, etc.) of a merchant in order to authenticate a merchant right access or a merchant payment request And the information storage unit 105 may store the password of the merchant registered through the app 330 of the merchant wireless terminal 300 in a designated storage medium. Preferably, the merchant's password may be mapped to the merchant authentication information (or terminal identification information, merchant information, etc.). According to another embodiment of the present invention, the merchant-side password is stored in the designated storage area of the merchant wireless terminal 300, and the application 330 of the merchant wireless terminal 300 is used to authenticate the payment request of the merchant .

According to the embodiment of the present invention, the app 330 of the merchant wireless terminal 300 has a function of dynamically generating a disposable merchant-side authentication code (for example, a disposable code) in order to authenticate a merchant privilege access or a merchant settlement request In this case, the information storage unit 105 stores merchant-side authentication information for authenticating the validity of the merchant-side authentication code dynamically generated in the app 330 of the merchant wireless terminal 300 (for example, At least one seed value among at least one seed value for dynamically generating the merchant-side authentication code in the app 330 of the terminal 300, and the merchant-side authentication code from the app 330 of the merchant wireless terminal 300 Code generation algorithm, etc.) can be confirmed or generated and stored in a designated storage medium. Meanwhile, when the merchant-side authentication code dynamically generated by the app 330 of the merchant wireless terminal 300 is authenticated through a separate code authentication server (not shown), the merchant-site authentication information is linked with the code authentication server And an information set for authenticating the validity of the merchant-side authentication code dynamically generated by the app 330 of the merchant wireless terminal 300. [ Preferably, the merchant-side authentication information may be mapped to the merchant authentication information (or terminal identification information, merchant information, etc.) and stored.

The app 230 of the user wireless terminal 200 may be downloaded from the user wireless terminal 200 to the user wireless terminal 200. In this case, The user wireless terminal 200 that uniquely identifies the combination of the application 230 installed in the mobile terminal 200 and executes the application 230 is installed in the mobile terminal 200 The information storage unit 105 stores the unique authentication information unique to the user through the app 230 from the app 230 of the user wireless terminal 200. [ A process of uniquely determining separate unique authentication information to be given to the user wireless terminal 200 that receives the authentication information and / or the app 230 of the user wireless terminal 200 through the app 230 of the user wireless terminal 200 After that, The user wireless terminal 200 that uniquely identifies the combination of the app 230 installed in the user wireless terminal 200 or the user wireless terminal 200 and executes the application 230 installed In order to utilize the merchant payment according to the present invention, unique authentication information unique identification authenticated by a payment medium owned by a user is stored in a designated storage medium.

According to the embodiment of the present invention, the unique authentication information is uniquely determined uniquely when the app 230 of the user wireless terminal 200 is installed for the first time (or executed for joining) (E.g., a UUID, a device token, an app ID, and the like) inherently stored in a designated storage area of the user wireless terminal 200 through the app 230 of the user wireless terminal 200. [ However, the unique authentication information of the present invention is not limited to the example of the identification authentication information. The combination of the app 230 installed in the user wireless terminal 200 and the user wireless terminal 200 may be authenticated It is made clear that any information can be included if the user wireless terminal 200 that installed the app 230 can authenticate and authenticate with the payment medium of the user at the same time. Preferably, the unique authentication information identifies the user wireless terminal 200 uniquely (i.e., uniquely identifiable to the user wireless terminal 200 because it is stored in a designated storage area of the user wireless terminal 200) The application 230 installed in the user wireless terminal 200 is authenticated (that is, after the application 230 is installed in the user wireless terminal 200, the application 230 is uniquely determined so as not to be duplicated, It is stored in the designated storage area, so that the application 230 can be authenticated).

According to the embodiment of the present invention, the app 230 of the user wireless terminal 200 is pre-allocated before the application 230 is installed in the user wireless terminal 200 in addition to the unique authentication information, (E.g., telephone number, IMSI, MSISDN, UICCID, etc.) stored in a designated storage area of the terminal 200. In this case, the information storage unit 105 stores the terminal identification information The mobile terminal 200 may receive the terminal identification information from the app 230 and store the received terminal identification information in a designated storage medium. Preferably, the terminal identification information may be mapped with the unique authentication information.

According to an embodiment of the present invention, the application 230 of the user wireless terminal 200 performs a user subscription procedure, and the information storage unit 105 stores the user's subscription procedure (Or registered) user information to be stored in a designated storage medium. Preferably, the user information is mapped and stored with the unique authentication information (or terminal identification information).

According to an embodiment of the present invention, the application 230 of the user wireless terminal 200 registers a user side password (e.g., a user PIN, etc.) in order to authenticate a user connection or a payment process using a payment medium of a user And the information storage unit 105 may store the user's password registered through the app 230 of the user wireless terminal 200 in a designated storage medium. Preferably, the user side password may be mapped to the unique authentication information (or terminal identification information, user information, etc.). Meanwhile, according to another embodiment of the present invention, the user side password is stored in a designated storage area of the user wireless terminal 200, and is used to authenticate the user's payment request in the app 230 of the user wireless terminal 200 .

According to the embodiment of the present invention, the application 230 of the user wireless terminal 200 can transmit a disposable user-side authentication code (for example, one-time use code) to a user In this case, the information storage unit 105 may store user-side authentication information (hereinafter, referred to as " user authentication information ") for authenticating the validity of a user side authentication code dynamically generated in the app 230 of the user wireless terminal 200 For example, at least one seed value of one or more seed values for dynamically generating a user side authentication code in the app 230 of the user wireless terminal 200, at least one seed value of at least one seed value from the app 230 of the user wireless terminal 200, Or the like) can be confirmed or generated and stored in a designated storage medium. Meanwhile, when the user side authentication code dynamically generated in the app 230 of the user wireless terminal 200 is authenticated through a separate code authentication server (not shown), the user side authentication information is linked with the code authentication server And an information set for authenticating the validity of the user side authentication code dynamically generated in the app 230 of the user wireless terminal 200. [ Preferably, the user-side authentication information may be mapped to the unique authentication information (or terminal identification information, user information, etc.) and stored.

The app 230 of the user wireless terminal 200 for the merchant payment according to the present invention transmits the app 330 to the merchant wireless terminal 300 through the app 330 of the merchant wireless terminal 300, And a function of processing a unidirectional short-range radio signal including signal data including identifiable unique information within a certain distance. The mobile terminal 300 has a function of mapping When the payment information is registered in the operation server 100, the payment information is transmitted from the operation server 100 to the merchant wireless terminal 300 through the unidirectional short-range wireless signal in order to receive the payment information mapped with the unique information The process of registering unique information is performed.

According to the first specific information embodiment of the present invention, the unique information may include a unique code unique to the designated storage area of the user wireless terminal 200. [ In this case, the application 230 of the user wireless terminal 200 maps and registers the unique information including the unique code stored in the designated storage area of the user wireless terminal 200 and the unique authentication information to the operation server 100 The information storage unit 105 may receive the unique information from the app 230 of the user wireless terminal 200 and may store the unique authentication information and the unique information in a designated storage medium. According to a modified embodiment of the present invention, the unique code may include the unique authentication information, and thus the present invention is not limited thereto.

According to the second unique information embodiment of the present invention, the unique information is unique to the app 230 of each user wireless terminal 200 so as to generate a code that does not overlap with the dynamic code generated by the app of the other user wireless terminal And may include the dynamic code inherently generated by the app 230 of the user wireless terminal 200 according to the set code generation rule. In this case, the app 230 of the user wireless terminal 200 periodically (or transmits a unidirectional short-range wireless signal for payment to a merchant according to the present invention), and transmits unique information including a dynamic code through the code generation rule And store the generated unique information in a designated storage area of the user wireless terminal 200 (if the unique information including the dynamic code is disposable, it is not necessary to store the unique information). The application 230 of the user wireless terminal 200 generates unique information including the dynamic code according to a designated procedure and transmits unique information including the generated dynamic code and the unique authentication information to the operation server 100 The information storage unit 105 receives the unique information from the app 230 of the user wireless terminal 200 and maps the unique authentication information and the unique information to the designated storage medium (Or updated).

According to the embodiment of the present invention, the app 230 of the user wireless terminal 200 may include a function of dynamically generating a disposable code to be transmitted through the unidirectional short-range wireless signal by further including it in the signal data.

According to the first disposable code authentication embodiment of the present invention, the one-time code generated by the app 230 of the user wireless terminal 200 and further included in the signal data is transmitted to the affiliate shop wireless terminal 300 And may be authenticated via the app 330. In this case, the app 330 of the affiliate shop wireless terminal 300 transmits media authentication information (for example, user wireless terminal 200 (see FIG. 2)) for authenticating the validity of the one- ) And / or a code generation algorithm that dynamically generates a one-off code from the app 230 of the user wireless terminal 200 (e.g., a seed value of at least one seed value for dynamically generating the one- ), And validate the validity of the one-time code included in the recognition information in which the signal data is recognized using the medium authentication information.

According to the second disposable code authentication embodiment of the present invention, the one-time code generated by the app 230 of the user wireless terminal 200 and further included in the signal data is transmitted to the affiliate shop wireless terminal 300 May be included in the medium identification information transmitted from the application 330 to the operation server 100 and may be received by the operation server 100 and validated through the operation server 100. [ To this end, the information storage unit 105 stores medium authentication information (for example, application 230 of the user wireless terminal 200) for authenticating the validity of the one-time code to be dynamically generated in the app 230 of the user wireless terminal 200 ) And / or a code generation algorithm for dynamically generating a one-off code from the app 230 of the user wireless terminal 200, etc.) (e.g., a seed value of at least one seed value for dynamically generating a one- Or registered) on a designated storage medium. If the disposable code generated in the app 230 of the user wireless terminal 200 is recognized through the app 330 of the merchant wireless terminal 300 and transmitted from the app 330 of the merchant wireless terminal 300 When received from the media recognition information, the operation server 100 uses the medium authentication information to determine the validity of the disposable code included in the medium identification information received from the app 330 of the affiliate shop wireless terminal 300 You can authenticate.

According to another embodiment of the present invention, the disposable code included in the unidirectional short-range wireless signal transmitted through the app 230 of the user wireless terminal 200 may be transmitted to the user wireless terminal 200 in addition to the app 230 of the user wireless terminal 200 Or a USIM, a Secure Element (SE), or the like, which is dynamically generated through a separate code generation application associated with the application 230 or loaded into or departed from the user wireless terminal 200, (For example, a card-shaped medium) that interfaces with the user wireless terminal 200 in a non-contact manner from outside the mobile wireless terminal 200, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, the app 230 of the user wireless terminal 200 registers the payment means of the user to be used in the payment procedure to be performed through the user wireless terminal 200 to process the merchant payment And the information storage unit 105 performs a procedure of registering the payment means information of the user registered through the app 230 of the user wireless terminal 200 in the designated payment means DB. According to the method of the present invention, the payment means DB may be provided in the issuer server provided in the operation server 100 or each payment server issuing the payment means to the user.

If the payment server DB is provided in the operation server 100, the information storage unit 105 registers the payment method information of the user through the application 230 of the user wireless terminal 200, The payment means information and the unique authentication information may be mapped (or relationally linked) and stored in the payment means DB.

On the other hand, when the payment means DB is provided to the issuer server that has issued the payment means to the user, the information storage unit 105 stores the payment means information registered through the app 230 of the user wireless terminal 200 To the issuer server so as to be stored in the payment means DB of the issuer server and to generate an identification token identifying the payment means of the user between the operation server 100 and the issuer server, Shared with the server (or the identification token generated through the issuer server is confirmed), and the identification token is mapped with the unique authentication information and stored in the designated storage medium. 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, thereby registering the unique authentication information registered in the operation server 100 with the unique authentication information registered in the payment means DB of the issuer server Payment means information can be remotely mapped.

Meanwhile, according to another embodiment of the present invention, when the payment procedure is performed by transmitting the payment method information of the user from the application 230 of the user wireless terminal 200 to the operation server 100, The present invention is not limited thereto.

The merchant payment according to the present invention transmits the unidirectional short-range wireless signal including signal data including the registered unique information at a short distance within a certain distance in the app 230 of the user wireless terminal 200, The mobile terminal 200 installs the app 330 associated with the app 230 of the mobile terminal 200 and transmits the unidirectional short-range wireless signal from the mobile terminal 300, which is located within a predetermined distance from the user wireless terminal 200, And reading the signal data corresponding to the unidirectional short-range wireless signal from the app 330 of the merchant wireless terminal 300 and recognizing the identification information including the unique information.

The app 330 of the merchant wireless terminal 300 that has recognized the identification information including the unique information receives the payment amount through the merchant wireless terminal 300 and receives the payment information including the input payment amount, And transmits the medium identification information including the recognized unique information to the operation server 100.

Referring to FIG. 1, the operation server 100 receives payment information through the merchant wireless terminal 300 from the app 330 of the merchant wireless terminal 300 that has recognized the identification information including the unique information And a merchant receiving unit (110) for receiving the media identification information including the recognized unique information, wherein the information registered through the merchant wireless terminal (300) among the configuration information included in the medium identification information is used (110) that authenticates the validity of configuration information that can be authenticated by the user wireless terminal (200), and an authentication unit (115) that authenticates the validity of configuration information that can be authenticated using the information registered through the user wireless terminal And a medium recognition authentication unit 120 for authentication.

The mobile terminal 200 recognizes the unidirectional short-range wireless signal transmitted from the user wireless terminal 200, reads the signal data included in the unidirectional short-range wireless signal, and recognizes the identification information including the unique information, 330 displays a designated t-application screen and receives a payment amount. The app 330 of the merchant wireless terminal 300 forms payment information including the input payment amount. Preferably, the payment information includes the entered payment amount, and further stores merchant information provided in the merchant wireless terminal 300, merchandise information corresponding to the payment amount (or merchant store related information), and the like .

The app 330 of the affiliate shop wireless terminal 300 recognizing the identification information including the unique information constitutes medium identification information including unique information included in the recognized identification information. Preferably, the medium recognition information includes unique information included in the recognized recognition information.

According to the first media recognition information embodiment of the present invention, the media recognition information includes the unique information, and is generated dynamically on the user wireless terminal 200 side. Thereafter, the application 230 of the user wireless terminal 200, (For example, the user wireless terminal 200 (hereinafter, referred to as " user wireless terminal 200 ") included in the identification information recognized through the app 330 of the affiliate shop wireless terminal 300, which is included in the unidirectional local wireless signal transmitted from the user wireless terminal 200, ) Generated by the mobile terminal).

According to the second medium identification information embodiment of the present invention, the medium identification information includes the unique information, is input through the app 230 of the user wireless terminal 200, and transmitted from the user wireless terminal 200 Side short range wireless signal including the user's password recognized through the app 330 of the affiliate shop wireless terminal 300. [

According to the third medium recognition information embodiment of the present invention, the medium identification information includes the unique information, and the combination of the apps 330 of the affiliate shop wireless terminal 300 or the affiliate shop wireless terminal 300 is identified And may further include merchant authentication information for authenticating.

According to the fourth media recognition information embodiment of the present invention, the medium identification information includes the unique information, and further includes the terminal identification information of the affiliate shop wireless terminal 300 pre-allocated to the affiliate shop wireless terminal 300 .

According to the fifth media recognition information embodiment of the present invention, the media recognition information includes the unique information, and when the app 330 of the merchant wireless terminal 300 recognizes the recognition information or the payment amount And may further include the merchant-side authentication code that is dynamically generated through the app 330 of the merchant wireless terminal 300 during the input of the input.

According to the sixth embodiment of the media recognition information of the present invention, the media recognition information includes the unique information, and when the app 330 of the merchant wireless terminal 300 recognizes the recognition information or the payment amount May further include a merchant point password input through the app 330 of the merchant wireless terminal 300 during the inputting of the input.

According to the seventh medium recognition information embodiment of the present invention, the medium recognition information may include configuration information at least partially combined with at least two of the first to sixth medium recognition information embodiments, The invention is not limited.

According to the method of the present invention, the app 330 of the merchant wireless terminal 300 may configure the media recognition information configured according to at least one of the first to seventh media recognition information embodiments.

The app 330 of the merchant wireless terminal 300 transmits the medium identification information configured according to at least one of the payment information including the input payment amount and the first to seventh media identification information embodiments to the operation Server 100 receives the payment information including the payment amount from the app 330 of the affiliate shop wireless terminal 300 and the payment information including the payment information including the first to seventh media identification information And receives media recognition information configured in accordance with at least one embodiment.

When the authentication information that can be authenticated is included in the medium identification information received through the merchant receiving unit 110 using the information registered through the merchant wireless terminal 300, It is possible to perform a procedure for authenticating the validity of the configurable configuration information using the information registered through the affiliate shop wireless terminal 300 among the configuration information included in the information.

If the merchant authentication information is included in the medium identification information according to the third medium identification information embodiment of the present invention, the merchant authentication unit 115 stores the merchant authentication information registered through the information storage unit 105 The validity of the merchant authentication information included in the medium identification information can be authenticated.

Alternatively, when the medium identification information includes the terminal identification information of the affiliate shop wireless terminal 300 according to the fourth media recognition information embodiment of the present invention, the merchant authentication section 115 stores the information stored in the information storage section 105 The validity of the terminal identification information of the affiliate shop wireless terminal 300 included in the medium identification information can be authenticated using the terminal identification information of the affiliate shop wireless terminal 300 registered through the affiliate shop wireless terminal 300. [

Or if the merchant point authentication code dynamically generated through the app 330 of the merchant wireless terminal 300 is included in the medium identification information according to the fifth media identification information embodiment of the present invention, May authenticate the validity of the merchant-side authentication code included in the medium identification information through the merchant-side authentication information registered through the information storage unit 105. [

Or if the merchant's point password input through the app 330 of the merchant's wireless terminal 300 is included in the medium identification information according to the sixth media identification information embodiment of the present invention, The validity of the merchant-side password included in the medium identification information can be authenticated through the password of the merchant registered through the information storage unit 105. [

Meanwhile, when the authentication information that can be authenticated is included in the medium identification information received through the merchant receiver 110, the medium recognition authentication unit 120 may determine It is possible to perform a procedure for authenticating the validity of the configuration information that can be authenticated using the information registered through the user wireless terminal 200 among the configuration information included in the medium identification information.

If the media recognition information includes the one-time code dynamically generated by the user wireless terminal 200 according to the first medium identification information embodiment of the present invention, The validity of the disposable code included in the medium identification information can be authenticated by using the medium authentication information registered through the medium accessory 105.

Or if the user side password inputted through the app 230 of the user wireless terminal 200 is included in the medium recognition information according to the second medium recognition information embodiment of the present invention, The validity of the user side password included in the medium recognition information can be authenticated through the user side password registered from the user wireless terminal 200 registered through the information storage unit 105. [

The payment information including the payment amount is received via the merchant receiving unit 110 and / or the merchant authentication unit 115 and / or the media recognition authentication unit 120, When the validity of the recognition information is authenticated, the operation server 100 may provide the payment information to the application 230 of the user wireless terminal 200 corresponding to the unique information.

Referring to FIG. 1, the operation server 100 checks a payment medium for confirming a user's payment medium corresponding to the unique information included in the medium identification information received from the app 330 of the merchant wireless terminal 300 And payment information providing payment information received from the app 330 of the merchant wireless terminal 300 as an app 230 of the user wireless terminal 200 corresponding to the confirmed payment medium of the user, And a payment medium authentication unit 135 having a service providing unit 130 and authenticating the user wireless terminal 200 (or the app 230 of the user wireless terminal 200) receiving the payment information.

The settlement information including the settlement amount is received through the merchant receiving unit 110 and / or the medium containing the unique information is received via the merchant authentication unit 115 and / or the payment medium authentication unit 135 When the validity of the recognition information is authenticated, the payment medium identification unit 125 identifies the unique authentication information registered with the unique information through the app 230 of each user wireless terminal 200, The unique information included in the medium recognition information received from the application 330 and the unique authentication information registered and mapped. Meanwhile, according to an embodiment of the present invention, the settlement medium identification unit 125 can further identify the terminal identification information of the user wireless terminal 200, and thus the present invention is not limited thereto.

The unique authentication information for uniquely identifying the user's payment medium corresponding to the unique information contained in the medium identification information received from the app 330 of the merchant wireless terminal 300 through the payment medium identification unit 125 is checked The payment information providing unit 130 transmits the application 330 of the merchant wireless terminal 300 to the application 230 of the user wireless terminal 200 corresponding to the payment medium of the user using the unique authentication information, Lt; / RTI >

According to the embodiment of the present invention, the payment information providing unit 130 provides the payment information registered from the app 330 of the affiliate shop wireless terminal 300 to the app 230 of the user wireless terminal 200 The application 230 of the user wireless terminal 200 that has been informed of the push may perform the procedure of notifying the push of the application 230 of the user wireless terminal 200 using the unique authentication information And can receive the payment information by accessing the operation server 100.

Meanwhile, the application 230 of the user wireless terminal 200 can access various types of information that can be authenticated using the information registered through the information storage unit 105 in connection with the operation server 100 in order to receive the payment information And the payment medium authentication unit 135 may transmit the information to the user wireless terminal 200 using the various information transmitted from the app 230 of the user wireless terminal 200 in the connection process of the user wireless terminal 200. [ (Or the app 230 of the user wireless terminal 200) with the payment medium of the user.

The application 230 of the user wireless terminal 200 may transmit the payment information to the user wireless terminal 200 that has installed the application 230 in the connection process for receiving the payment information, In this case, the payment-medium authentication unit 135 may transmit the unique authentication information to the payment information storage unit 105 using the unique authentication information registered through the information storage unit 105, The user wireless terminal 200 (or the application 230 of the user wireless terminal 200) that accesses to receive the payment information may authenticate the payment information as a valid payment medium of the user performing the payment procedure.

Alternatively, the application 230 of the user wireless terminal 200 can transmit the user's password input through the user wireless terminal 200 in the connection process for receiving the payment information, in this case, The user terminal 200 (or the app 230 of the user wireless terminal 200) accesses the user terminal 135 to receive the payment information using the user-side password registered through the information storage unit 105, May receive the payment information and authenticate the user as a valid payment medium of the user performing the payment procedure.

Alternatively, the app 230 of the user wireless terminal 200 generates a disposable user authentication code dynamically generated through the app 230 of the user wireless terminal 200 in the connection process for receiving the payment information In this case, the payment medium authentication unit 135 may access the user wireless terminal 200 (or the user wireless terminal 200) to access the payment information through the user authentication information registered through the information storage unit 105 The application 230 of the user wireless terminal 200) as the valid payment medium of the user who receives the payment information and performs the payment procedure.

According to an embodiment of the present invention, the payment information providing unit 130 transmits the payment information to the affiliate store wireless terminal 200 through the application 230 of the user wireless terminal 200 authenticated as a valid payment medium of the user through the payment medium authentication unit 135. [ And can provide the payment information registered from the app 330 of the terminal 300. [ Meanwhile, in the case of authenticating the payment medium of the user at the time of performing the payment procedure at the user wireless terminal 200 provided with the payment information, the process of authenticating the payment medium of the user before providing the payment information may be omitted , Whereby the present invention is not limited thereto.

Referring to FIG. 1, the operation server 100 receives payment confirmation information corresponding to a payment confirmation of a user for the payment information from the application 230 of the user wireless terminal 200, And a payment confirmation unit 140 for determining that the user has installed the application 230. If the received payment confirmation information includes information for authenticating the user wireless terminal 200 installed with the application 230 as a payment medium of the user, And a payment medium authentication unit 135 for authenticating the user wireless terminal 200 that has installed the wireless terminal 230 with the payment medium of the user.

The application 230 of the user wireless terminal 200 receives and displays the payment information and configures the payment confirmation information corresponding to the payment confirmation of the user at the payment confirmation (or agreement) of the user, ). Preferably, the payment confirmation information may include an identification value that identifies the payment confirmation of the user. The payment confirmation determination unit 140 may receive or read the payment confirmation information to confirm whether the user has confirmed the payment.

According to the first payment confirmation information embodiment of the present invention, the app 230 of the user wireless terminal 200 identifies and authenticates the user wireless terminal 200 that installed the app 230 to the user's payment medium And transmits the settlement confirmation information including the unique authentication information to the operation server 100. When the unique authentication information is included in the payment confirmation information, the payment-medium authentication unit 135 acquires unique authentication information included in the payment confirmation information through the unique authentication information registered through the information storage unit 105 And authenticates the user wireless terminal 200 (or the app 230 of the user wireless terminal 200) that has transmitted the payment confirmation information as a valid payment medium of the user.

According to the second payment confirmation information embodiment of the present invention, the app 230 of the user wireless terminal 200 has a function of dynamically generating a disposable user authentication code, Side authentication code, and transmits the generated payment confirmation information to the operation server 100. The settlement confirmation information includes the user-side authentication code. When the payment confirmation information includes the user authentication code, the payment-medium authentication unit 135 notifies the user of the user side authentication information included in the payment confirmation information, via the user authentication information registered through the information storage unit 105, The user wireless terminal 200 (or the app 230 of the user wireless terminal 200) that has transmitted the payment confirmation information by authenticating the authentication code can be authenticated as a valid payment medium of the user.

According to an embodiment of the third payment confirmation information of the present invention, the app 230 of the user wireless terminal 200 can receive the user's password from the user, and the payment confirmation information including the input user- To the operation server (100). If the payment confirmation information includes the user side password, the payment medium authentication unit 135 notifies the user side password contained in the payment confirmation information through the user side password registered through the information storage unit 105 And authenticates the user wireless terminal 200 (or the app 230 of the user wireless terminal 200) that has transmitted the payment confirmation information as a valid payment medium of the user. Meanwhile, in the case where the application 230 of the user wireless terminal 200 is used for authentication of the user's payment confirmation even if the user's password is inputted through the application 230 of the user wireless terminal 200, But may be omitted from the confirmation information, and thus the present invention is not limited thereto.

According to the fourth payment confirmation information embodiment of the present invention, when the payment means of the user is registered in the payment means DB designated through the information storage unit 105, the app 230 of the user wireless terminal 200 transmits the payment (For example, user selection or automatic selection) of payment means used for payment among the user payment means registered in the means DB, and a payment means used for payment among user payment means registered in the payment means DB And may transmit payment confirmation information including the payment method selection information to the operation server 100. [ On the other hand, when one payment means information is registered in the payment means DB, the payment means selection information can be omitted, and thus the present invention is not limited thereto.

According to the fifth payment confirmation information embodiment of the present invention, the app 230 of the user wireless terminal 200 encrypts and stores the user payment means information to be used for payment in the designated storage area of the user wireless terminal 200 In this case, the app 230 of the user wireless terminal 200 selects (for example, user selection or automatic selection) the payment means used for payment among the payment means stored in the designated storage area of the user wireless terminal 200 And transmits the payment confirmation information including the selected payment method information to the operation server 100. Meanwhile, the payment means information may be inputted through the user and included in the payment confirmation information according to the method of operation, and thus the present invention is not limited thereto.

1, when the payment confirmation information including payment method selection information or payment method information is received from the app 230 of the user wireless terminal 200, the operation server 100 selects the payment method selection (For example, the payment means information stored in the specified payment means DB) corresponding to the information or the payment means information received from the app 230 of the user wireless terminal 200 to process the payment for the payment information A settlement processing processor 145 for performing a server-side settlement procedure for confirming the settlement result of the settlement procedure for the settlement information and providing the settlement result to the app 330 of the affiliate shop wireless terminal 300 . Meanwhile, if the settlement procedure for the settlement information is not processed via the operation server 100 and the app 230 of the user wireless terminal 200 (or the app 230 operated by the app 230 of the user wireless terminal 200) The payment procedure processing unit 145 may be omitted, and thus the present invention is not limited thereto.

When the payment method selection item is received from the app 230 of the user wireless terminal 200 according to the fourth payment confirmation information embodiment of the present invention, the payment procedure processing unit 145 receives the payment corresponding to the payment method selection information The payment means information corresponding to the payment means selection information among the payment means information of the user registered in the designated payment means DB is extracted and linked to the system 155 to perform a server side payment procedure for processing the payment information do.

Meanwhile, when the payment means information is received from the app 230 of the user wireless terminal 200 according to the sixth payment confirmation information embodiment of the present invention, the payment procedure processing unit 145 receives payment information corresponding to the payment means information And performs a server-side settlement procedure for processing settlement of the settlement information through the settlement means information in cooperation with the system 155.

The settlement result processing unit 150 may check the settlement result of the server-side settlement procedure performed through the settlement processing unit 145 and provide the settlement result to the app 330 of the affiliate shop wireless terminal 300 have. Meanwhile, if the settlement procedure for the settlement information is not processed via the operation server 100 and the app 230 of the user wireless terminal 200 (or the app 230 operated by the app 230 of the user wireless terminal 200) The payment result processing unit 150 checks the payment result of the payment procedure from the app 230 of the user wireless terminal 200, And may provide the payment result to the app 330 of the merchant wireless terminal 300.

FIG. 2 is a diagram illustrating a functional configuration of a user wireless terminal 200 according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates a case where a unidirectional short-range wireless signal including unique information designated at a short distance within a certain distance is transmitted, and the wireless terminal 300 that receives or recognizes the unidirectional short- 2 and 3 are views showing a functional configuration of the application 230 of the user wireless terminal 200 that receives payment information and processes payment, and that those skilled in the art will be able to refer to FIG. 2 and / The present invention may be embodied in all of the above-described embodiments, and it should be understood that the technical features of the present invention are not limited thereto, It is not limited.

2, the user wireless terminal 200 includes a control unit 202, a memory unit 220, a screen output unit 204, a user input unit 206, a sound processing unit 208, a local communication unit 210, An NFC unit 212, a local area network communication unit 214, a wireless network communication unit 216, a USIM reader unit 218, and a USIM, and has a battery for power supply.

The controller 202 is a generic term for controlling the operation of the user wireless terminal 200. The controller 202 includes at least one processor and an execution memory, Bus (BUS). According to the present invention, the controller 202 loads at least one program code included in the user wireless terminal 200 into the execution memory and calculates the result through the processor, And controls the operation of the user wireless terminal 200. Hereinafter, the function configuration of the application 230 installed and executed in the user wireless terminal 200 in the form of program code will be described in the control unit 202 for convenience.

The memory unit 220 is a generic term of a nonvolatile memory corresponding to a storage resource of the user wireless terminal 200 and includes at least one program code executed through the control unit 202 and at least one And stores the data set. The memory unit 220 basically includes a system program code and a system data set corresponding to the operating system of the user wireless terminal 200, a communication program code for processing a wireless communication connection of the user wireless terminal 200, And at least one application program code and application data set. The program code and data set corresponding to the application 230 installed in the user wireless terminal 200 are also stored in the memory unit 220.

The screen output unit 204 includes a screen output unit (e.g., an LCD (Liquid Crystal Display) and the like) and a driving module for driving the screen output unit 204. The screen output unit 204 is interlocked with the control unit 202, And outputs an operation result corresponding to the output to the screen output device.

The user input unit 206 includes at least one user input device such as a button, a keypad, a touch pad, a touch screen interlocked with the screen output unit 204, and a drive module for driving the touch screen. And inputs a command for instructing various operations of the control unit 202 or data necessary for the operation of the control unit 202. [

The sound processing unit 208 includes a speaker for outputting a sound signal and a driving module for driving the speaker. The sound processing unit 208 decodes sound data corresponding to the sound output from the various calculation results of the controller 202, Output. The sound processor 208 includes a microphone for receiving a sound signal and a driving module for driving the microphone. The sound processor 208 encodes the sound signal input through the microphone according to a predetermined encoding rule, and transmits the encoded sound signal to the controller 202 .

The short-range communication unit 210 may perform a pairing based two-way Bluetooth wireless communication, an asynchronous wireless communication (e.g., wireless communication in which requests / responses are processed asynchronously), a unidirectional broadcast signal A Bluetooth communication module for transmitting / receiving a Bluetooth-based wireless signal according to a specification after the Bluetooth Specification 4.0 (for example, Bluetooth Smart) as a generic name of a local communication resource for providing at least one of transmitting / receiving a beacon signal Section. However, if the local area communication unit 210 included in the user wireless terminal 200 of the present invention is not limited to the Bluetooth unit and is a unit capable of transmitting / receiving a radio signal within a certain distance within a short distance, (210) belong to the scope of the present invention.

The NFC unit 212 may be a communication resource for processing one or more proximity wireless communications, such as bi-directional 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 212 may process the proximity wireless communication of the ISO 18000 series standard, and in this case, may process the proximity wireless communication for the frequency band other than the 13.56 Mz frequency band. For example, the NFC unit 212 may operate in a reader mode, a tag mode, or a bidirectional communication mode. Meanwhile, according to another embodiment of the present invention, the NFC unit 212 may also be used as a nth short-range communication resource for transmitting or receiving a short-range wireless signal including signal data according to the present invention. In this case, the NFC unit 212 may transmit or receive a short-range wireless signal including the signal data through near-field wireless communication corresponding to at least one of bidirectional proximity wireless communication, full-duplex proximity wireless communication, and half-duplex proximity wireless communication .

The wireless network communication unit 216 and the local area network communication unit 214 are collectively referred to as communication resources for connecting the user wireless terminal 200 to a designated communication network. The user wireless terminal 200 may include a wireless network communication unit 216 as a basic communication resource and may include one or more short-range network communication unit 214.

The wireless network communication unit 216 is a collective term for communication resources for connecting the user wireless terminal 200 to a wireless communication network via a base station and includes an antenna, an RF module, a baseband module, And a signal processing module. The control unit 202 is connected to the control unit 202 and transmits the calculation result corresponding to the wireless communication among the various calculation results of the control unit 202 through the wireless communication network or transmits data through the wireless communication network And transmits it to the control unit 202, and performs the connection, registration, communication, and handoff procedures of the wireless communication. According to the present invention, the wireless network communication unit 216 can connect the user wireless terminal 200 to a call network including a call channel and a data channel via the exchange, and in some cases, May be connected to a data network providing communication-based wireless network data communication (e.g., the Internet).

According to an embodiment of the present invention, the wireless network communication unit 216 may be 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 216 may further include a portable Internet communication configuration 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 216. [ That is, the wireless network communication unit 216 is a general term for a configuration unit that connects to a wireless communication network through a cell-based base station irrespective of a frequency band of a wireless zone, a type of a communication network, or a protocol.

The short-range network communication unit 214 connects the communication session using a radio frequency signal within a predetermined distance (for example, 10 m) as a communication medium, and collectively refers to a generic term of communication resources for connecting the user wireless terminal 200 to the communication network The user wireless terminal 200 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 short-range network communication unit 214 may be integrated with or separated from the wireless network communication unit 216. According to the present invention, the short-range network communication unit 214 connects the user wireless terminal 200 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader unit 218 includes a universal subscriber identity module (Universal Subscriber Identity Module) that is mounted or detached from the user wireless terminal 200 based on the ISO / IEC 7816 standard and a configuration in which at least one data set is exchanged As a generic term, 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 provided with 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 unit 218, (Or processing) a program code for the IC chip in accordance with at least one command transmitted from the user wireless terminal 200 and connected to the input / output interface, To the input / output interface.

The control unit 202 of the user wireless terminal 200 may access a designated application providing server (for example, an app of an Apple company) through a data network connectable through at least one communication resource of the local area network communication unit 214 and the wireless network communication unit 216 Store, etc.), and the installed app 230 is executed according to a designated procedure.

Referring to FIG. 2, the app 230 of the user wireless terminal 200 includes a user wireless terminal 200 that has installed the app 230, And a payment medium registration unit 235 for registering the information in the designated operation server 100. [

The payment medium registration unit 235 may install the application 230 specified in the user wireless terminal 200 and install the application 230 in the user wireless terminal 200 or the user wireless terminal 200 A unique identification of the combination of the executed app 230 and a unique identification of the user wireless terminal 200 installed with the app 230 to the payment medium owned by the user in order to utilize the user wireless terminal 200 for the merchant payment according to the present invention The operation server 100 performs a procedure of registering unique authentication information to be authenticated in the designated operation server 100. The operation server 100 receives the authentication information from the app 230 of the user wireless terminal 200 through the app 230, The unique authentication information to be given to the user wireless terminal 200 that receives the unique authentication information and / or the application 230 of the user wireless terminal 200 through the app 230 is determined After performing the procedure, The user wireless terminal 200 that has performed the unique identification authentication of the combination of the apps 230 installed in the user wireless terminal 200 or the user wireless terminal 200 based on the result, ) Is stored in a designated storage medium for authenticating the unique identification with the payment medium possessed by the user in order to use the payment information for the merchant payment according to the present invention.

According to the embodiment of the present invention, the unique authentication information is uniquely determined uniquely when the app 230 of the user wireless terminal 200 is installed for the first time (or executed for joining) (E.g., a UUID, a device token, an app ID, and the like) inherently stored in a designated storage area of the user wireless terminal 200 through the app 230 of the user wireless terminal 200. [ However, the unique authentication information of the present invention is not limited to the example of the identification authentication information. The combination of the app 230 installed in the user wireless terminal 200 and the user wireless terminal 200 may be authenticated It is made clear that any information can be included if the user wireless terminal 200 that installed the app 230 can authenticate and authenticate with the payment medium of the user at the same time. Preferably, the unique authentication information identifies the user wireless terminal 200 uniquely (i.e., uniquely identifiable to the user wireless terminal 200 because it is stored in a designated storage area of the user wireless terminal 200) The application 230 installed in the user wireless terminal 200 is authenticated (that is, after the application 230 is installed in the user wireless terminal 200, the application 230 is uniquely determined so as not to be duplicated, It is stored in the designated storage area, so that the application 230 can be authenticated).

According to the embodiment of the present invention, the payment media registering unit 235 may be pre-assigned to the user wireless terminal 200 before the execution of the application 230 in addition to the unique authentication information, (IMSI, MSISDN, UICCID, and the like) stored in the designated storage area. In this case, the operation server 100 may perform a procedure of registering the terminal identification information 230 and store the terminal identification information in a designated storage medium. Preferably, the terminal identification information may be mapped with the unique authentication information.

According to an embodiment of the present invention, the payment media registration unit 235 performs a user registration procedure, and the operation server 100 checks user information to be used in the payment procedure of the user as a result of the user registration procedure (Or registered), and the user information is preferably mapped to the unique authentication information (or terminal identification information).

According to an embodiment of the present invention, the payment media registration unit 235 can perform a procedure of registering a user's password (e.g., a user PIN, etc.) in order to authenticate a user connection or a payment process, May store the user side password registered through the app 230 of the user wireless terminal 200 in a designated storage medium. Preferably, the user side password may be mapped to the unique authentication information (or terminal identification information, user information, etc.). Meanwhile, according to another embodiment of the present invention, the payment media registration unit 235 stores the user side password in the designated storage area of the user wireless terminal 200, so that the application 230 of the user wireless terminal 200 Lt; RTI ID = 0.0 > a < / RTI >

According to the embodiment of the present invention, the application 230 of the user wireless terminal 200 has a function of dynamically generating a disposable user-side authentication code (for example, one-time use code) Side authentication code for dynamically generating a user-side authentication code in the app 230 of the user wireless terminal 200. The user authentication information may be used by the user of the user wireless terminal 200 to authenticate the validity of the user authentication mode At least one seed value of one or more seed values, a code generation algorithm for dynamically generating a user side authentication code in the app 230 of the user wireless terminal 200, and the like) The server 100 confirms or generates the user side authentication information for authenticating the validity of the user side authentication code that is dynamically generated in the app 230 of the user wireless terminal 200 And can be stored in a designated storage medium. Preferably, the user-side authentication information may be mapped to the unique authentication information (or terminal identification information, user information, etc.) and stored.

The app 230 of the user wireless terminal 200 for the merchant payment according to the present invention transmits the app 330 to the merchant wireless terminal 300 through the app 330 of the merchant wireless terminal 300, Directional short-range wireless signal including signal data including identifiable unique information within a predetermined distance, and the payment-medium registering unit 235 registers the unidirectional short-range wireless signal including the unidirectional short- It is possible to perform a procedure of registering unique information to be transmitted in a short distance. The operation server 100 maps the unique information and the unique authentication information and stores the mapped information in a designated storage medium.

According to the first specific information embodiment of the present invention, the unique information may include a unique code unique to the designated storage area of the user wireless terminal 200. [ In this case, the payment agent registration unit 235 requests mapping registration of the unique information including the unique code stored in the designated storage area of the user wireless terminal 200 and the unique authentication information to the operation server 100, The server 100 may receive the unique information from the app 230 of the user wireless terminal 200 and may store the unique authentication information and the unique information in a designated storage medium. According to a modified embodiment of the present invention, the unique code may include the unique authentication information, and thus the present invention is not limited thereto.

According to the second unique information embodiment of the present invention, the unique information is unique to the app 230 of each user wireless terminal 200 so as to generate a code that does not overlap with the dynamic code generated by the app of the other user wireless terminal And may include the dynamic code inherently generated by the app 230 of the user wireless terminal 200 according to the set code generation rule. In this case, the payment-medium registering unit 235 generates unique information including a dynamic code through the code generation rule periodically (or when a unidirectional short-range wireless signal is transmitted for payment by a merchant according to the present invention) (If the unique information including the dynamic code is disposable), it is not necessary to store the unique information in the designated storage area of the user wireless terminal 200. The payment agent registration unit 235 generates unique information including the dynamic code according to a designated procedure, and transmits unique information including the generated dynamic code and the unique authentication information to the operation server 100, The operation server 100 receives the unique information from the app 230 of the user wireless terminal 200 and stores (or updates) the unique authentication information and the unique information in a designated storage medium .

According to the embodiment of the present invention, the app 230 of the user wireless terminal 200 may have a function of dynamically generating a disposable code to be transmitted through the unidirectional short-range wireless signal by further including it in the signal data, The disposable code may be authenticated via the operating server 100. In this case, the payment medium registration unit 235 may acquire the medium authentication information (for example, the application 230 of the user wireless terminal 200) for authenticating the one-time code dynamically generated in the app 230 of the user wireless terminal 200 A seed value of at least one seed value for dynamically generating the one-off code, and / or a code generation algorithm for dynamically generating the one-time code at the app 230 of the user wireless terminal 200) And the operation server 100 may confirm (or register) the medium authentication information and store the medium authentication information in a designated storage medium.

According to another embodiment of the present invention, the disposable code included in the unidirectional short-range wireless signal transmitted through the app 230 of the user wireless terminal 200 may be transmitted to the user wireless terminal 200 in addition to the app 230 of the user wireless terminal 200 Or a USIM, a Secure Element (SE), or the like, which is dynamically generated through a separate code generation application associated with the application 230 or loaded into or departed from the user wireless terminal 200, (For example, a card-shaped medium) that interfaces with the user wireless terminal 200 in a non-contact manner from outside the mobile wireless terminal 200, and thus the present invention is not limited thereto.

According to the method of the present invention, the settlement medium registration unit 235 performs a procedure of registering a payment means of a user to be used in a settlement procedure to be performed through the user wireless terminal 200 to process the merchant settlement , The operation server 100 performs a procedure of registering the payment means information of the user registered through the app 230 of the user wireless terminal 200 in the specified payment means DB. According to the method of the present invention, the payment means DB may be provided in the issuer server provided in the operation server 100 or each payment server issuing the payment means to the user.

When the payment server DB is provided in the operation server 100, the operation server 100 registers the payment method information of the user through the application 230 of the user wireless terminal 200, The means information and the unique authentication information may be mapped (or relationally linked) and stored in the payment means DB.

Meanwhile, when the payment server DB is provided to the issuer server that has issued the payment means to the user, the operation server 100 transmits the payment means information registered through the app 230 of the user wireless terminal 200 The issuer server 100 generates an identification token identifying the payment means of the user between the operation server 100 and the issuer server 100, (Or identifies the identification token generated through the issuer server), and stores the identification token in the designated storage medium by mapping the unique identification information 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, thereby registering the unique authentication information registered in the operation server 100 with the unique authentication information registered in the payment means DB of the issuer server Payment means information can be remotely mapped.

2, the application 230 of the user wireless terminal 200 includes an activation processing unit 240 for activating or activating the short-range communication unit 210 in order to transmit a unidirectional short-range wireless signal, A signal data constructing unit 245 constructing signal data to be transmitted through the unidirectional short-range wireless signal transmitted through the activated local communication unit 210; A code generator 250 for dynamically generating a disposable code to be included in the signal data when the signal data includes a disposable code, , And / or a code confirmation unit (255) for confirming a one-time use code dynamically generated for inclusion in the signal data, The synchronization to determine the synchronization information to be included in the data signal processing unit 260 may be further provided.

The activation processing unit 240 determines whether the local wireless communication unit 210 of the user wireless terminal 200 is activated to enable the unidirectional local wireless signal to be transmitted. If the local communication unit 210 is not activated, the activation processing unit 240 activates the local wireless communication unit 210 of the user wireless terminal 200 to enable the unidirectional local wireless signal to be transmitted, Thereby enabling the local communication unit 210 to activate the local communication unit 210.

According to an embodiment of the present invention, when the m-th application screen for transmitting the unidirectional short-range wireless signal is displayed on the user wireless terminal 200, the activation processor 240 may be configured such that the short- The user can perform a procedure for confirming or activating the activated state.

The signal data construction unit 245 constructs signal data to be included in a unidirectional short-range wireless signal to be transmitted in a short distance within a certain distance through the activated local communication unit 210. [

According to the first signal data embodiment of the present invention, the signal data construction unit 245 constitutes signal data including unique information registered in the operation server 100 designated through the payment medium registration unit 235. Preferably, the unique information is transmitted through the payment medium registration unit 235 among the unique code stored in the designated storage area of the user wireless terminal 200 and the dynamic code uniquely determined by the payment medium registration unit 235 And may include a code registered in the designated operation server 100. According to the embodiment of the present invention, the unique information is transmitted to the mobile terminal 200 through a designated code system (e.g., a number of digits, a code) shared between the app 230 of the user wireless terminal 200 and the app 330 of the merchant wireless terminal 300 Array rules, unique checksum rules, etc.).

According to the second signal data embodiment of the present invention, the signal data construction unit 245 constructs the signal data including the unique information and further including the one-time use code dynamically generated at the user wireless terminal 200 side . For this, the code generation unit 250 generates a seed value (e.g., a time value) dynamically determined with a designated seed value (e.g., a seed value stored in a designated storage area or the unique information (or at least a part of unique information) You can dynamically generate one-off code by assigning it to a specified code generation algorithm. Meanwhile, according to another embodiment of the present invention, the disposable code is dynamically generated through a separate code generation app associated with the app 230, or inserted into or removed from the user wireless terminal 200, (For example, a card-shaped medium) that is non-contacted with the user wireless terminal 200 outside the user wireless terminal 200, The code checking unit 255 checks the one-time use code that is dynamically generated through a separate code generation application or the one-time use code that is dynamically generated through the USIM, SE, or the like, It is possible to identify the dynamically generated disposable code through a separate medium contactlessly interfaced with the user wireless terminal 200. When the one-time code to be included in the signal data is dynamically generated through the code generation unit 250 and / or the one-time code to be included in the signal data is confirmed through the code verification unit 255, (245) may include the unique information, and may constitute signal data further including the generated / verified disposable code.

According to the third signal data embodiment of the present invention, the signal data construction unit 245 receives the user side password registered from the user through the payment medium registration unit 235, and includes the unique information, The user side password, and the user side password.

According to the fourth signal data embodiment of the present invention, the synchronization processing unit 260 receives the application 230 of the user wireless terminal 200 and the application 330 of the merchant wireless terminal 300 to receive the unidirectional short- Lt; RTI ID = 0.0 > synchronization state. ≪ / RTI > Preferably, the synchronization information may include at least one of color information, character information, preference information, glyph information, image information, sound information, and moving image information, or a combination of two or more thereof. When the synchronization information is determined, the synchronization processing unit 260 outputs the determined synchronization information, and the signal data configuration unit 245 may configure the signal data including the unique information and further including the synchronization information. have.

According to the fifth signal data embodiment of the present invention, the signal data construction section 245 can constitute signal data at least partially combining at least two of the first to fourth signal data embodiments , Whereby the present invention is not limited thereto.

When the signal data to be transmitted through the unidirectional short-range wireless signal is configured through at least one of the first to fifth signal data embodiments through the signal data construction unit 245, the radio signal transmission unit 265, Directional short-range wireless signal including the configured signal data is transmitted through a short distance within a predetermined distance through the short-range communication unit 210. The unidirectional short-range wireless signal is preferably transmitted to the user wireless terminal 200 at a predetermined distance Of the mobile terminal 300 located in the vicinity of the mobile terminal 300.

According to the embodiment of the present invention, the radio signal transmitting unit 265 controls the transmitting signal strength of the unidirectional short-range radio signal transmitted through the short-range communication unit 210 to reach within a specific distance (for example, 1 m to 3 m) Directional short-range wireless signal of a possible outgoing signal strength (e.g., a signal strength reduced to a distance calculated from the reference signal strength), whereby the unidirectional short-range wireless signal is transmitted to the merchant wireless terminal 300 ). ≪ / RTI >

The merchant wireless terminal 300 located within a predetermined distance (or a specific distance) from the user wireless terminal 200 receives the unidirectional short range wireless signal transmitted from the user wireless terminal 200, Directional short-range wireless signal and transmits the recognition information including the unique information included in the signal data through at least one of the first to fifth signal data embodiments Lt; / RTI >

The app 330 of the merchant wireless terminal 300 receives the payment amount and receives the payment information including the input payment amount and the media recognition information including the unique information of the recognized recognition information, The operation server 100 authenticates (can skip) the validity of at least one piece of configuration information constituting the medium identification information, and then transmits the unique information mapped and registered through the payment medium registration unit 235, The unique authentication information mapped with the unique information included in the medium identification information among the authentication information and transmits the payment information registered in the app 330 of the affiliate shop wireless terminal 300 to the app 230 of the user wireless terminal 200 ). ≪ / RTI > For example, the operation server 100 may perform a push notification procedure to provide the payment information to the app 230 of the user wireless terminal 200. [

Referring to FIG. 2, the app 230 of the user wireless terminal 200 receives the payment information registered in the operating server 100 designated by the app 330 of the merchant wireless terminal 300 that has recognized the unidirectional short- And a payment information display unit 275 for displaying the received payment information.

Upon receipt of the payment information and the medium identification information transmitted from the app 330 of the merchant wireless terminal 300 that recognized the unidirectional short-range wireless signal, the operation server 100 receives the unique information mapped with the unique information included in the medium identification information, (E.g., push notification) for providing the payment information to the app 230 of the user wireless terminal 200 corresponding to the unique authentication information, and the payment information receiving unit 270 Performs a procedure of accessing the operation server 100 through the short-range network communication unit 214 or the wireless network communication unit 216 to receive the payment information from the operation server 100. [

The payment information receiving unit 270 may transmit the payment information to the user wireless terminal 200 that installed the application 230 during the connection to the operation server 100 in order to receive the payment information, The operating server 100 can transmit unique authentication information stored in a designated storage area to the operating server 100 in order to authenticate the user with the payment medium of the user, (200) for authenticating the validity of the received unique authentication information through the unique authentication information registered through the payment medium registration unit (235) and accessing the operation server (100) by receiving the unique authentication information The application 230 can be authenticated as the payment medium of the user.

Meanwhile, the payment information receiving unit 270 receives the user's password from the user before or during the connection to the operation server 100 in order to receive the payment information, and transmits the input user's password to the operation server 100 The operating server 100 receives the user's password from the app 230 of the user wireless terminal 200 and transmits the user's password through the registered user's password through the payment medium registration unit 235 The user can authenticate the application 230 of the user wireless terminal 200 accessing the operation server 100 using the received user side password with the payment medium of the user.

Alternatively, the payment information receiving unit 270 may dynamically generate a disposable user authentication code before or during connection to the operation server 100 in order to receive the payment information, and transmit the input user authentication code to the operation The operation server 100 receives the user authentication code from the application 230 of the user wireless terminal 200 and transmits the user authentication code to the registered user through the payment medium registration unit 235. [ Side authentication code to authenticate the application 230 of the user wireless terminal 200 accessing the operation server 100 by authenticating the received validity of the user authentication code through the authentication information.

The operating server 100 provides the payment information registered in the app 330 of the merchant wireless terminal 300 to the app 230 of the user wireless terminal 200 and the payment information receiving unit 270 The payment information display unit 275 receives the payment information from the server 100 and displays the received payment information through the screen output unit 204. [

Alternatively, the app 230 of the user wireless terminal 200 generates a disposable user authentication code dynamically generated through the app 230 of the user wireless terminal 200 in the connection process for receiving the payment information In this case, the payment medium authentication unit 135 may access the user wireless terminal 200 (or the user wireless terminal 200) to access the payment information through the user authentication information registered through the information storage unit 105 The application 230 of the user wireless terminal 200) as the valid payment medium of the user who receives the payment information and performs the payment procedure.

According to the embodiment of the present invention, when the payment information receiving unit 270 receives the payment information from the operation server 100 or the payment information display unit 275 outputs the payment information, It is determined whether the payment amount corresponding to the payment information displayed on the screen of the wireless terminal 200 corresponds to the payment amount to be paid by the user. Once the payment information is received through the payment information receiving unit 270 and the received payment information is displayed through the payment information display unit 275, the user can use the wireless terminal of his / And may give up settlement of the payment information according to the method of operation. That is, it is determined that payment is not completed because the payment information is displayed on the user wireless terminal 200, and payment information is received by the user wireless terminal 200 so that the user is ready to start payment through the user wireless terminal 200 It is finished.

Referring to FIG. 2, the app 230 of the user wireless terminal 200 performs a payment procedure for processing payment for the payment information using the payment means available in the user wireless terminal 200 A settlement result confirming unit 285 for confirming the settlement result of the settlement procedure and a settlement result confirming unit 285 for transmitting the confirmed settlement result to the operation server 100 providing the settlement information, And a result providing unit 290.

When the payment information is received by the app 230 of the user wireless terminal 200 through the payment information receiving unit 270 and / or the received payment information is displayed through the payment information display unit 275, The procedure execution unit 280 performs a payment procedure for processing payment for the payment information using the payment means available in the user wireless terminal 200. [

According to the method of the present invention, when there are a plurality of payment means available in the application 230 of the user wireless terminal 200, the payment procedure execution unit 280 confirms the payment instruction of the user, A payment means for processing payment information may be selected and the payment information payment procedure may be performed using the payment means selection information corresponding to the selected payment means. If the payment means available in the application 230 of the user wireless terminal 200 is one, the procedure of 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 280 may perform the settlement procedure for the settlement information in cooperation with the designated settlement system 155, (For example, transmitting the payment confirmation information corresponding to the payment confirmation of the user to the operation server 100) through the payment system 155 associated with the payment server 100. On the other hand, the application 230 of the user wireless terminal 200 transmits the payment means information of the user to the designated medium (for example, the issuer server issuing the payment means to the user, A security server associated with the server, etc.). In this case, the settlement procedure for the settlement information can be performed using the settlement means registered in the designated medium.

Meanwhile, according to another embodiment of the present invention, the payment procedure execution unit 280 drives a payment application corresponding to the payment means for processing the payment information to process the payment information, (For example, sharing the payment information through the inter-process communication or transmitting the payment information received from the designated operation server 100 through the payment information receiving unit 270 to the payment application, (Processing to receive the same payment information as the information). The activated payment application executes a payment procedure for the payment information in cooperation with the designated payment system 155 or a payment system 155 associated with the operation server 100 via the operation server 100. [ The settlement process for the settlement information can be performed through the settlement process. On the other hand, the payment application stores the payment means information of the user in the designated medium (for example, the issuer server that issued the payment means to the user or the security server associated with the issuer server, etc.) In this case, the payment procedure for the payment information can be performed using the payment means registered in the designated medium.

The settlement result confirming unit 285 confirms the settlement result of the settlement procedure performed through the settlement procedure performing unit 280 (or the separately driven settlement app), and displays the confirmed settlement result on the screen of the mobile terminal .

The settlement result providing unit 290 provides the settlement result confirmed by the settlement result confirming unit 285 to the operation server 100 so that the settlement of the settlement information is completed in the operation server 100 For example, payment approval, payment error, etc.). Meanwhile, if the settlement procedure performed by the settlement procedure execution unit 280 is performed via the operation server 100, if the settlement result of the settlement procedure is automatically recognized by the operation server 100, The provider 290 may not provide the settlement result to the operation server 100, and thus the present invention is not limited thereto.

The operation server 100 confirms the affiliation shop wireless terminal 300 corresponding to the settlement result and provides the settlement result to the confirmed affiliate shop wireless terminal 300 so that the merchant shop operator It is possible to notify that the payment has been completed (e.g., payment approval, payment error, etc.) through the terminal 200. [

3 is a diagram showing a functional configuration of the affiliate shop wireless terminal 300 according to the method of the present invention.

In more detail, FIG. 3 shows reception of or recognition of a unidirectional short-range wireless signal transmitted from a user wireless terminal 200 within a certain distance, recognizing recognition information including specified unique information, inputting a payment amount for payment processing (330) of the merchant wireless terminal (300) that registers the payment information including the input payment amount and the medium identification information including the recognized unique information in the specified operating server (100) As a person skilled in the art will be able to refer to and / or modify the FIG. 3 to derive various implementations of the functionality of the merchant wireless terminal 300, And the technical features thereof are not limited only by the method shown in FIG.

3, the merchant wireless terminal 300 includes a control unit 302, a memory unit 320, a screen output unit 304, a user input unit 306, a sound processing unit 308, a local communication unit 310, An NFC unit 312, a short range network communication unit 314, a wireless network communication unit 316, a USIM reader unit 318, and a USIM, and has a battery for power supply. For the sake of convenience, the detailed description of constituent parts which are the same (or equivalent) to those of the user wireless terminal 200 of FIG. 2 will be omitted.

The control unit 302 of the affiliate shop wireless terminal 300 is connected to a designated application providing server through a data network connectable through at least one communication resource of the local area network communication unit 314 and the wireless network communication unit 316 Store, etc.), and the installed app 330 is executed according to a designated procedure.

Referring to FIG. 3, the app 330 of the merchant wireless terminal 300 transmits information for receiving the unique identification authentication to the merchant wireless terminal 300 that installed the application 330 to the designated operating server 100 And a merchant registering unit 335 for registering.

The merchant registration unit 335 downloads the app 330 specified in the merchant wireless terminal 300 to the merchant wireless terminal 300 or the merchant wireless terminal 300 at the time of initial operation (or membership registration or merchant registration) The operating server 100 performs a procedure of registering the merchant authentication information for authenticating the combination of the application 330 installed in the mobile terminal 300 from the application 330 of the merchant wireless terminal 300 Or an affiliate shop authentication information to be given to the affiliate shop wireless terminal 300 that has installed the app 330 through the app 330 of the affiliate shop wireless terminal 300, Stores the merchant authentication information that uniquely identifies the app 330 of the merchant wireless terminal 300 and the merchant wireless terminal 300 on a specified storage medium based on the result of the procedure do.

According to the embodiment of the present invention, the merchant authentication information is uniquely determined uniquely when the app 330 of the merchant wireless terminal 300 is installed for the first time (or executed for joining) after the installation of the merchant wireless terminal 300, (E.g., a UUID, a device token, an app ID, etc.) that is stored in the designated storage area of the affiliate store wireless terminal 300 through the app 330 of the affiliate store wireless terminal 300. [ However, the merchant authentication information of the present invention is not limited to the above-described identification authentication information, and the combination of the apps 330 installed in the merchant wireless terminal 300 or the merchant wireless terminal 300 can be authenticated We will make it clear that any information can be included if it is information. Preferably, the merchant authentication information identifies the merchant wireless terminal 300 uniquely (i.e., it is stored in a designated storage area of the merchant wireless terminal 300 so that it can be uniquely identified to the merchant wireless terminal 300) (I.e., after the app 330 is installed in the merchant wireless terminal 300), the app 330 is uniquely determined so as not to be duplicated and then transmitted to the merchant wireless terminal 300 through the corresponding app 330 It is stored in the designated storage area, so that the corresponding application 330 can be authenticated).

According to the embodiment of the present invention, the merchant registering unit 335 is previously allocated to the merchant wireless terminal 300 before the execution of the application 330, so that the merchant wireless terminal 300 The operation server 100 may register the terminal identification information (e.g., telephone number, IMSI, MSISDN, UICCID, etc.) stored in the storage area. In this case, ) And store the terminal identification information in a designated storage medium. Preferably, the terminal identification information may be mapped with the merchant authentication information.

According to an embodiment of the present invention, the merchant registration unit 335 performs a merchant registration process, and the operation server 100 confirms merchant information to be used in the payment procedure of the merchant as a result of the merchant registration process Or may be stored in a designated storage medium. Preferably, the merchant information is mapped to the merchant authentication information (or terminal identification information). In the case where the merchant information is included in the payment information registered in the operating server 100 by the app 330 of the merchant wireless terminal 300, the registration of the merchant information may be omitted, and thus the present invention is not limited thereto.

According to the method of the present invention, the merchant registering unit 335 can perform a procedure of registering merchant related information (e.g., name, address, telephone number, contact, representative information, business number, etc.) The operating server 100 may register the merchant-related information from the app 330 of the merchant wireless terminal 300 as a result of the merchant access procedure and store the information in the designated storage medium. Preferably, the merchant-related information may be mapped to the merchant authentication information (or terminal identification information, merchant information, etc.).

According to the method of the present invention, the merchant registering unit 335 can perform a procedure of registering a password (for example, a merchant PIN, etc.) of a merchant in order to authenticate a merchant right access or a merchant payment request, 100 may store the password of the merchant registered through the app 330 of the merchant wireless terminal 300 in the designated storage medium. Preferably, the merchant's password may be mapped to the merchant authentication information (or terminal identification information, merchant information, etc.). According to another embodiment of the present invention, the merchant-side password is stored in the designated storage area of the merchant wireless terminal 300, and the application 330 of the merchant wireless terminal 300 is used to authenticate the payment request of the merchant .

According to the embodiment of the present invention, the app 330 of the merchant wireless terminal 300 has a function of dynamically generating a disposable merchant-side authentication code (for example, a disposable code) in order to authenticate a merchant privilege access or a merchant settlement request The merchant registering unit 335 may dynamically generate merchant-side authentication codes from the merchant-side authentication information (for example, the app 330 of the merchant wireless terminal 300) for authenticating the validity of the merchant- And a code generation algorithm for dynamically generating a merchant-side authentication code in the app 330 of the merchant wireless terminal 300), and in this case, The operating server 100 can check or generate the merchant-side authentication information in cooperation with the app 330 of the merchant wireless terminal 300, and store the authentication information in a designated storage medium.

3, the app 330 of the affiliate shop wireless terminal 300 includes an activity processor 340 for activating or activating the local communication unit 310 to receive the unidirectional local wireless signal, The mobile wireless terminal 200 reads the signal data corresponding to the unidirectional short-range wireless signal received through the activated local communication unit 310 and recognizes the recognition information including the unique information transmitted from the app 230 of the user wireless terminal 200 And a recognition information authentication unit (350) for authenticating the validity of the recognized recognition information, wherein the authentication information unit (345) And a synchronization output unit 355 for outputting the synchronization information when information is included.

The activity processor 340 determines whether the local communication unit 310 of the affiliate shop wireless terminal 300 is activated to receive the unidirectional short-range wireless signal. If the local communication unit 310 is not activated, the activation processing unit 340 activates the local communication unit 310 of the affiliate shop wireless terminal 300 to enable reception of the unidirectional local wireless signal, Thereby enabling the local communication unit 310 to be activated.

According to the embodiment of the present invention, when the application 330 is activated (or a designated t-application screen is displayed) at the affiliate shop wireless terminal 300, the activation processing unit 340 transmits, to the local communication unit 310, It is possible to perform a procedure for confirming or activating whether or not the unidirectional short-range wireless signal is activated to receive the unidirectional short-range wireless signal.

The activated local communication unit 310 receives the unidirectional short-range wireless signal transmitted from the user wireless terminal 200 within a predetermined distance (or a specific distance), and the recognition information recognition unit 345 receives the unidirectional short- And reads the signal data corresponding to the unidirectional short-range wireless signal received by the short-range communication unit 310 and recognizes the identification information including the unique information transmitted from the user wireless terminal 200. Preferably, the recognition information recognizing unit 345 (or the short-range communication unit 310) receives the unidirectional short-range wireless signal and then transmits a response signal including response information on the signal data included in the unidirectional short- It is preferable that the hacking wireless communication device is located near the user wireless terminal 200 or the affiliate shop wireless terminal 300 so that the app 330 of the affiliate shop wireless terminal 300 can transmit the hacking wireless communication device, It is not exposed that the unidirectional short-range wireless signal transmitted from the wireless terminal 200 is received to recognize the recognition information, and secure payment can be provided.

According to the first recognition information embodiment of the present invention, the recognition information recognizing unit 345 recognizes recognition information including unique information registered in the operation server 100 designated by the user wireless terminal 200. [ The unique information may be a unique code stored in a designated storage area of the user wireless terminal 200 and a dynamic code unique to the user wireless terminal 200, And may include a code registered in the server 100.

The unique information included in the recognition information may be transmitted to the application 230 of the user wireless terminal 200 and the application 330 of the affiliate shop wireless terminal 300 The identification information authentication unit 350 reads the code system of the recognized unique information and transmits the unique information to the user's payment medium (e.g., It can authenticate that the unique information is provided by the application 230 of the user wireless terminal 200 to be used.

According to the second recognition information embodiment of the present invention, the recognition information recognizing unit 345 recognizes recognition information including the unique information and further including the one-time use code dynamically generated by the user wireless terminal 200 .

According to an embodiment of the present invention, when the disposable code is included in the identification information and the validity of the disposable code is authenticated by the application 330, the identification information authentication unit 350 may determine whether the one- The at least one seed value and the code generation algorithm used for dynamically generating the disposable code are confirmed and the validity of the disposable code included in the recognition information can be verified using the seed value and the code generation algorithm.

According to the third recognition information embodiment of the present invention, the recognition information recognizing unit 345 includes recognition information including the unique information and further including a user side password input from the user through the user wireless terminal 200 Can be recognized.

According to the fourth recognition information embodiment of the present invention, the recognition information recognizing unit 345 recognizes the synchronization information (for example, color information, characters At least one of, or a combination of two or more of the image information, the symbol information, the glyph information, the image information, the sound information, and the moving image information). In this case, the synchronization output unit 355 can output the synchronization information, thereby allowing the franchisee (or employee) or the user to recognize that the unidirectional short-range wireless signal transmitted from the specific user wireless terminal 200 has been recognized.

According to the fifth recognition information embodiment of the present invention, the recognition information recognizing unit 345 can recognize recognition information that at least partially combines at least two embodiments among the first to fourth recognition information embodiments , Whereby the present invention is not limited thereto.

According to the embodiment of the present invention, the recognition information recognizing unit 345 recognizes the recognition information in a state where the designated t-application screen is displayed, or recognizes the recognition information, As shown in Fig.

Referring to FIG. 3, the app 330 of the merchant wireless terminal 300 includes a payment amount input unit 360 that receives a payment amount to be processed through a user's payment medium, A settlement information constructing unit 365 constructing settlement information, a medium recognition information constructing unit 370 constructing medium recognition information including unique information recognized through the recognition information recognizing unit 345, And an information transmission unit 375 for transmitting the media identification information including the unique information to the designated operation server 100. [

When the recognition information corresponding to at least one of the first to fifth identification information embodiments is recognized through the recognition information recognition unit 345, the payment amount input unit 360 receives the payment amount The payment amount is input from the merchant (or employee) through the t-application screen.

The payment information configuration unit 365 configures payment information including the payment amount input through the payment amount input unit 360. [ According to an embodiment of the present invention, the payment information constructing unit 365 further includes merchant information included in a designated storage area of the merchant wireless terminal 300, in addition to the payment amount, Or merchant-related information), and the like.

If the recognition information is recognized through the recognition information recognition unit 345 and / or the payment information including the payment amount is configured through the payment information configuration unit 365, the media recognition information configuration unit 370 ) Constitutes medium identification information including unique information included in the recognized identification information. According to an embodiment of the present invention, the medium identification information is transmitted to the user wireless terminal (200), which has transmitted the unidirectional short distance wireless signal, At least one piece of information for identifying and authenticating at least one piece of information for authenticating the mobile terminal 300 (or the app 330 of the merchant wireless terminal 300) recognizing the unidirectional short range wireless signal .

According to the method of the present invention, the medium recognition information configuration unit 370 may configure medium recognition information corresponding to at least one of the first to seventh medium recognition information embodiments of the present invention.

The information transmission unit 375 transmits the payment information including the payment amount through the payment information configuration unit 365 and the payment information including the settlement amount through the media recognition information configuration unit 370 to the first to seventh media identification information embodiments To the designated operating server 100, the medium identification information including the information corresponding to at least one of the first and second embodiments.

The operation server 100 may authenticate (omit) the validity of at least one configuration information constituting the medium identification information, and then, after the unique information and the unique authentication information, which are mapped and registered through the user wireless terminal 200, And confirms the unique authentication information mapped with the unique information included in the medium identification information and transmits the payment information provided by the app 330 of the affiliate shop wireless terminal 300 to the user wireless terminal 200 corresponding to the identified unique authentication information, To the application 230 of the mobile terminal. The application 230 of the user wireless terminal 200 receives the payment information and outputs the payment information to the user wireless terminal 200 via the payment means available in the user wireless terminal 200 Payment means information, payment means information stored in a designated storage area of the user wireless terminal 200, payment means information input through the user wireless terminal 200, and the like) to perform the payment procedure for the payment information . The operation server 100 performs a server-side settlement procedure associated with the settlement procedure of the user wireless terminal 200 to confirm the settlement result of the settlement information and / or the user wireless terminal 200 The payment result may be provided to the app 330 of the affiliate shop wireless terminal 300. [

3, the app 330 of the merchant wireless terminal 300 includes a payment result output unit 380 for receiving and outputting the payment result of the payment information from the operation server 100 receiving the payment information, Respectively.

The operation server 100 receiving the payment information provides the payment information to the app 230 of the user wireless terminal 200 and then transmits the payment result of the payment procedure performed through the user wireless terminal 200 The settlement approval, the settlement error, and the like) to the application 330 of the affiliate shop wireless terminal 300, the settlement result output unit 380 receives the settlement result from the operation server 100, do.

4 is a diagram illustrating an information registration process of the user wireless terminal 200 according to an embodiment of the present invention.

4 is a block diagram illustrating a configuration of a user wireless terminal 200 for processing a merchant payment using a user wireless terminal 200 for installing and executing a specific application 230 and transmitting a unidirectional short- The present invention is not limited to the above-described exemplary embodiments, and various changes and modifications may be made without departing from the spirit and scope of the present invention. The present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited thereto.

Referring to FIG. 4, an application 230 of a user wireless terminal 200 installs the application 230 to a designated operating server 100 and performs a unique identification (ID) of a user wireless terminal 200 that transmits a unidirectional short- (400) requests registration of unique authentication information for identifying and authenticating the user wireless terminal (200) that installed the application (230) to the user's payment medium, and the operation server (100) The user 230 authenticates the user wireless terminal 200 that installs the application 230 in cooperation with the app 230 of the terminal 200 and transmits the unidirectional short distance wireless signal and simultaneously executes the application 230 After confirming or creating 408 the identification and authentication of the user wireless terminal 200 with the payment medium of the user, the unique authentication information is stored in the designated storage medium (410).

The application 230 of the user wireless terminal 200 requests registration of unique information to be transmitted through the unidirectional short distance wireless signal to the designated operation server 100 in operation 415, (420) in association with the app 230 of the mobile terminal 200 to map the unique authentication information to the unique information and store the unique authentication information in a designated storage medium.

The application 230 of the user wireless terminal 200 may transmit the user authentication information for authenticating the user authentication code to be dynamically generated through the app 230 of the user wireless terminal 200 to the designated operation server 100 The operation server 100 requests the registration of the user side authentication code in step 425. The operation server 100 checks or generates the user side authentication information for authenticating the user side authentication code in cooperation with the app 230 of the user wireless terminal 200, The authentication information and the user authentication information may be mapped and stored in a designated storage medium (430). Meanwhile, the application 230 of the user wireless terminal 200 requests the operation server 100 to register the user's password to be inputted through the app 230 of the user wireless terminal 200 (425) The operation server 100 may register the user side password in cooperation with the app 230 of the user wireless terminal 200 and may store the unique authentication information and the user side password in a designated storage medium 430 .

The app 230 of the user wireless terminal 200 requests the specified operating server 100 to register the user payment means used for payment using the app 230 of the user wireless terminal 200 in operation 435, The operation server 100 performs a procedure of storing the payment means information of the user in the designated payment means DB in cooperation with the app 230 of the user wireless terminal 200 in operation 440, (Or remotely maps) the payment means information and the unique authentication information (step 445).

5 is a diagram illustrating an information registration process of the affiliate shop wireless terminal 300 according to an embodiment of the present invention.

More specifically, FIG. 5 illustrates an example of an information registration process of the merchant wireless terminal 300 that receives a unidirectional short-range wireless signal, recognizes unique information, receives a payment amount, and makes a payment request. Those skilled in the art will be able to refer to and / or modify the FIG. 5 to infer various implementations of the information registration process (e.g., omitting some steps or changing the order) However, the present invention is not limited to the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

5, the app 330 of the merchant wireless terminal 300 installs the app 330 to the designated operating server 100 and identifies the merchant wireless terminal 300 that receives the unidirectional short range wireless signal The operation server 100 requests the registration of the merchant authentication information for authenticating the application 330 installed in the merchant wireless terminal 300 and the operating server 100 requests the registration of the application 330 of the merchant wireless terminal 300 330 in order to identify the franchisee wireless terminal 300 and at the same time confirm or generate the franchise authentication information for authenticating the app 330 installed and installed in the affiliate shop wireless terminal 300 in step 505, The identified or generated merchant authentication information is stored in a designated storage medium (510).

The app 330 of the merchant wireless terminal 300 transmits the merchant point authentication information for authenticating the merchant point authentication code to be dynamically generated through the app 330 of the merchant wireless terminal 300 to the designated operating server 100 The operating server 100 requests or registers the authentication information on the merchant's side to authenticate the merchant's authentication code in cooperation with the app 330 of the merchant's wireless terminal 300, The authentication information and the merchant-side authentication information may be mapped and stored in a designated storage medium (520). Meanwhile, the app 330 of the merchant wireless terminal 300 requests the operation server 100 to register the password of the merchant store to be input through the app 330 of the merchant wireless terminal 300 (515) The operating server 100 registers the password of the merchant in cooperation with the app 330 of the merchant wireless terminal 300, maps the merchant authentication information and the password of the merchant, and stores the password in a designated storage medium (520).

The application 330 of the merchant wireless terminal 300 requests the designated operating server 100 to register the merchant information to be used for payment of the merchant in step 525. The operating server 100 transmits the merchant information to the merchant wireless terminal 300 And stores the merchant authentication information and the merchant information in a designated storage medium (530). Meanwhile, the application 330 of the merchant wireless terminal 300 may request the operation server 100 to register the merchant-related information on the merchant in step 525, and the operating server 100 may transmit the merchant- The merchant-related information is registered in association with the app 330 of the wireless terminal 300, and the merchant authentication information and the merchant-related information are mapped and stored in a designated storage medium (530).

FIG. 6 is a diagram illustrating a process of transmitting a unidirectional short-range wireless signal of a user wireless terminal 200 according to an embodiment of the present invention.

6 shows an example of a case in which a unidirectional short-range radio signal including unique information registered in an operating server 100 specified by an app 230 of a user wireless terminal 200 is transmitted in a short distance within a certain distance (or a specific distance) As shown in FIG. 6, if a person skilled in the art will be able to refer to and / or modify the FIG. 6 to perform various methods of transmitting the short range wireless signal (for example, , Or an embodiment in which the order is changed). However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 6, the application 230 of the user wireless terminal 200 determines whether the unidirectional local wireless signal transmission function of the corresponding user wireless terminal 200 is active (600). If the unidirectional short-range wireless signal transmission function is not activated, the app 230 of the user wireless terminal 200 performs a procedure for activating the unidirectional short-range wireless signal transmission function, and if the unidirectional short- The application 230 of the user wireless terminal 200 determines whether to transmit a unidirectional short-range wireless signal including unique information registered in the designated operation server 100 (605).

If it is confirmed that the unidirectional short-range wireless signal including the unique information is transmitted through the m-th application screen display or the user operation, the app 230 of the user wireless terminal 200 is registered in the designated operation server 100 And configures the signal data including unique information (610). Advantageously, the app 230 of the user wireless terminal 200 can configure signal data to be transmitted over the unidirectional short-range wireless signal through at least one of the first through fifth signal data embodiments of the present invention. have. In one example, the app 230 of the user wireless terminal 200 may generate or confirm a one-off code and configure (615) signal data further comprising the one-off code, and / or determine And may configure the signal data further including the synchronization information (620).

If the signal data including the unique information is configured, the app 230 of the user wireless terminal 200 transmits the unidirectional short-range wireless signal including the signal data to the mobile terminal 200 using the activated unidirectional short- (625) within a distance (or a specific distance). If the merchant wireless terminal 300 exists within the predetermined distance (or a specific distance), the unidirectional short-range wireless signal may be received by the merchant wireless terminal 300.

FIG. 7 is a diagram illustrating a process of receiving a unidirectional short-range wireless signal and inputting a payment amount of a merchant wireless terminal 300 according to an embodiment of the present invention.

7, when receiving the unidirectional short-range wireless signal transmitted from the user wireless terminal 200 through the process shown in FIG. 6 at the merchant wireless terminal 300, the application 330 of the merchant wireless terminal 300 ), Recognizing (or authenticating) the recognition information including the specified unique information, and then receiving the payment amount to be subjected to the settlement processing. In the description of the related art, It is possible to refer to and / or modify the FIG. 7 to infer the various embodiments of the short-range wireless signal reception and payment amount input procedure (for example, some steps are omitted or the order is changed) However, it should be understood that the present invention includes all of the above-described embodiments, and the technical features thereof are limited only by the method shown in FIG. 7 It does not.

Referring to FIG. 7, the app 330 of the merchant wireless terminal 300 determines whether the unidirectional wireless wireless signal receiving function of the merchant wireless terminal 300 is activated (700). If the unidirectional short-range wireless signal reception function is not activated, the app 330 of the affiliate shop wireless terminal 300 performs a procedure for activating the unidirectional short-range wireless signal reception function, The franchisee wireless terminal 300 receives the unidirectional short-range wireless signal transmitted from the user wireless terminal 200 within a predetermined distance (or a specific distance) (705).

If the unidirectional short-range wireless signal is received, the app 330 of the affiliate shop wireless terminal 300 transmits the unique information transmitted from the user wireless terminal 200, including signal data corresponding to the received unidirectional short- (710). ≪ / RTI >

If the recognition information is recognized, the app 330 of the affiliate shop wireless terminal 300 authenticates the validity of the recognition information (715). Preferably, the app 330 of the merchant wireless terminal 300 can authenticate the code system of the unique information included in the recognition information, and when the one-use code is included in the recognition information according to the method, Can be authenticated.

The app 330 of the merchant wireless terminal 300 provides the payment information to the user's payment medium based on the recognition (or authentication) of the recognition information, and receives the payment amount to be processed (720). If the payment amount is inputted, the app 330 of the affiliated store wireless terminal 300 configures the payment information including the inputted payment amount (725).

8 is a flowchart illustrating a process of providing settlement information and media recognition information from the merchant wireless terminal 300 to the operation server 100 according to an embodiment of the present invention and confirming a user payment medium for providing settlement information based on media recognition information Fig.

More specifically, FIG. 8 shows the payment information including the payment amount from the merchant wireless terminal 300 and the medium identification information including the unique information received by reading / reading the unidirectional short distance wireless signal to the specified operating server 100 A process of confirming a user payment medium (for example, the app 230 of the user wireless terminal 200 in which the specific application 230 is installed) to provide the payment information based on the medium identification information in the operation server 100 It will be understood by those skilled in the art that various methods of providing the information or confirming the user's payment medium (for example, some steps Omitted, or changed in order), but the present invention includes all of the above-mentioned methods of practicing the invention, and only the method shown in FIG. 8 The technical features are not limited to.

Referring to FIG. 8, the app 330 of the affiliate shop wireless terminal 300 constructs media recognition information including unique information included in recognition information recognized through the process shown in FIG. 7 (800). Preferably, the app 330 of the merchant wireless terminal 300 may configure the media recognition information including the unique information according to at least one of the first to seventh media recognition information embodiments of the present invention. have. For example, when the identification information includes the one-time code generated by the user wireless terminal 200, the app 330 of the affiliate shop wireless terminal 300 may recognize the medium including the disposable code included in the identification information (Or terminal identification information) further comprising the merchant authentication information (or terminal identification information) registered in the operating server 100 designated by the app 330 of the merchant wireless terminal 300 Or a merchant-side authentication code that is dynamically generated in the app 330 of the merchant wireless terminal 300 and / or a merchant-side password entered through the app 330 of the merchant wireless terminal 300, (815). ≪ / RTI >

If the media recognition information is configured, the app 330 of the merchant wireless terminal 300 transmits the payment information including the payment amount and the first to seventh media recognition information through the process shown in FIG. 7 And transmits the media recognition information configured through at least one of the examples to the designated operation server 100 (820).

The operating server 100 receives the payment information and the medium identification information from the app 330 of the merchant wireless terminal 300 in step 825 and authenticates the configuration information included in the medium identification information to generate the unique information (830) < / RTI > the validity of the corresponding user payment medium. For example, when the media recognition information includes the one-time code generated by the user wireless terminal 200, the app 330 of the affiliate shop wireless terminal 300 can authenticate the validity of the one-time code. Or the validity of the user side password can be authenticated when the user side password inputted through the user wireless terminal 200 is included in the medium recognition information. If the validity of the user payment medium is not authenticated, the operation server 100 may provide the media recognition error to the app 330 of the merchant wireless terminal 300 (845) 300) receives the media recognition error and outputs the received media recognition error (850).

Meanwhile, the operation server 100 can authenticate the application 330 included in the medium identification information and authenticate the app 330 of the affiliate shop wireless terminal 300 that has input the payment amount (835). For example, when the medium identification information includes at least one of the merchant authentication information (or terminal identification information) and / or the merchant authentication code and / or the merchant's password, the operation server 100 transmits the merchant authentication information (Or the terminal identification information is available) and / or the merchant-side authentication code and / or the merchant-side password. If the app 330 of the merchant wireless terminal 300 is not authenticated, the operating server 100 may provide a media recognition error to the app 330 of the merchant wireless terminal 300 (845) , The app 330 of the affiliate shop wireless terminal 300 may receive and output the medium recognition error (850).

Meanwhile, when the validity of the user payment medium is authenticated through the media identification information and / or the validity of the app 330 of the merchant wireless terminal 300 is authenticated, the operation server 100 transmits the medium identification information (830) the unique authentication information of the user payment medium (e.g., the app 230 of the user wireless terminal 200 that installed the specific app 230) mapped with the unique information included therein.

FIG. 9 is a flowchart illustrating a process of providing payment information to a user settlement medium according to an embodiment of the present invention.

9 is a diagram illustrating a user payment medium (for example, a user who transmits the unidirectional short-range wireless signal shown in FIG. 6) corresponding to unique authentication information confirmed through the process shown in FIG. 8 by the operation server 100 (230) of the wireless terminal (200)) of the merchant wireless terminal (300) and provides the payment information registered from the app (330) of the merchant wireless terminal (300) , It is possible to refer to and / or modify the FIG. 9 to various methods of performing the payment information providing process (for example, omitting some steps or changing the order). However, And the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 9, the operation server 100 transmits a user's payment medium corresponding to the unique authentication information confirmed through the process shown in FIG. 8 (for example, a user wireless device that transmits the unidirectional short- The application 230 of the user wireless terminal 200 notifies the user of the payment information provision of the payment information to the application 230 of the terminal 200 and transmits the unidirectional short- (905). And provides the connection information to the designated operation server 100 and requests payment information associated with the unidirectional short-range wireless signal transmission (910). The access information may include at least one information (for example, unique authentication information (or terminal identification information) of the user wireless terminal 200) that can be authenticated using the information registered in the application 230 of the user wireless terminal 200, , A user side authentication code, a user side password, etc.).

The operation server 100 checks 913 the connection information for requesting the payment information from the app 230 of the user wireless terminal 200 and transmits the payment information to the user wireless terminal 200. [ (920) whether the payment processing apparatus 200 is a user payment medium available for payment processing. If the user wireless terminal 200 requesting payment information through the designated application 230 is authenticated as a valid user payment medium, the operation server 100 transmits the payment information to the user wireless terminal 200 corresponding to the authenticated user payment medium The application 230 of the user wireless terminal 200 provides the payment information registered from the application 330 of the merchant wireless terminal 300 to the application 230 and the payment information of the application 230 of the user wireless terminal 200 is received from the operation server 100 And receives payment information (930). Meanwhile, if the user wireless terminal 200 is not authenticated as an effective user payment medium, the operation server 100 provides a payment medium authentication error to the application 230 of the user wireless terminal 200 (935) The app 230 of the user wireless terminal 200 receives and outputs the payment medium authentication error (940).

FIG. 10 is a view showing a merchant payment process through a user payment medium according to an embodiment of the present invention.

In more detail, FIG. 10 is a flowchart illustrating an operation of the user wireless terminal 200 in an app 230 of a user wireless terminal 200 that receives authentication information and receives payment information through a process shown in FIG. 10 is a flowchart illustrating a process of processing payment for the payment information using a possible payment means. Referring to FIG. 10 and / or modified by the person skilled in the art, It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it is to be understood that the invention may be practiced otherwise than as specifically described herein, The technical features are not limited by the method alone.

Referring to FIG. 10, the app 230 of the user wireless terminal 200 receiving / outputting payment information through the process shown in FIG. 9 confirms whether the payment procedure is performed (or starts) with respect to the payment information (1000).

If it is confirmed that the payment procedure is to be performed (or started), the app 230 of the user wireless terminal 200 transmits a payment procedure of the payment information through the payment means available in the user wireless terminal 200 (1005b), or the app 230 of the user wireless terminal (200) is separately assigned to the payment system (155), the server side payment procedure is performed by associating the payment procedure with the operation server (100) (1005a). ≪ / RTI >

If the payment procedure is completed, the app 230 of the user wireless terminal 200 checks the payment result for the payment procedure 1010 and transmits the payment result to the operation server 100 (1015) ). The operation server 100 checks the payment result for the payment information (1020). The payment result of the settlement processed through the user payment medium is notified to the app 330 of the affiliate shop wireless terminal 300 by providing the settlement result to the merchant's terminal (1025).

100: Operation server 105: Information storage unit
110: Merchant point receiving unit 115: Merchant point authentication unit
120: Medium recognition and authentication unit 125:
130: Payment information providing unit 135: Payment medium authentication unit
140: Payment confirmation determination unit 145: Payment procedure processor
150: payment result processing unit 200: user wireless terminal
210 and 310, a short distance communication unit 230, an application of the user wireless terminal
235: Payment medium registration unit 240: Activation processing unit
245: Signal data configuration unit 250: Code generation unit
255: code checking unit 260: synchronization processing unit
265: radio signal transmitting unit 270: payment information receiving unit
275: payment information display unit 280:
285: Confirmation of payment result section 290:
300: Merchant's wireless terminal 330:
335: Merchant store registration unit 340:
345: recognition information recognition unit 350: recognition information authentication unit
355: synchronization output unit 360: payment amount input unit
365: Payment information configuring unit 370: Media recognition information configuring unit
375: Information transmission unit 380: Payment result output unit

Claims (20)

The unique information to be provided to the wireless terminal of the affiliated store installed with the application associated with the application and the unique authentication information for uniquely identifying and authenticating the user wireless terminal installed with the application with the payment medium possessed by the user A first step of registering in a designated server;
A second step of generating signal data including unique information recognizable by an app of the affiliate store wireless terminal in an app of the user wireless terminal and processing the signal data to be transmitted through a local wireless signal which can be transmitted from the user wireless terminal in a short distance;
A third step of reading the signal data corresponding to the short range wireless signal received from the affiliate store wireless terminal by the app of the affiliate shop wireless terminal and recognizing the identification information including the unique information transmitted from the app of the user wireless terminal;
A fourth step of inputting a payment amount from an app of the merchant wireless terminal and transmitting payment information including the payment amount and media recognition information including the recognized unique information to a designated server;
A fifth step of receiving the payment information and the medium identification information from the application of the merchant wireless terminal at the server;
A sixth step of confirming an application of the user wireless terminal mapped with the unique information in the server and providing the payment information to the app of the user wireless terminal identified; And
And receiving the payment information from an app of the user wireless terminal and outputting the payment information.
The information processing apparatus according to claim 1,
And a unique code stored in a designated storage area of the user wireless terminal.
The information processing apparatus according to claim 1,
And a dynamic code generated by an app of the user wireless terminal in accordance with a code generation rule configured to generate a code that does not overlap with a dynamic code generated by an application of another user wireless terminal. Payment method using wireless signal.
4. The method according to claim 3,
And registering or updating the generated unique information from the app of the user wireless terminal to the server when the unique information including the dynamic code is generated. Way.
2. The apparatus according to claim 1,
Further comprising a disposable code generated by the user wireless terminal.
6. The method of claim 5,
Wherein the authentication is performed through an app of the affiliate store wireless terminal.
6. The method of claim 5,
Wherein the authentication information is transmitted to the server in the medium identification information and authenticated through the server.
The method according to claim 1,
Determining synchronization information for displaying the synchronization state between the app of the affiliate wireless terminal and the app of the user wireless terminal to receive the short range wireless signal from the app of the user wireless terminal; And
Further comprising the step of causing the app of the user wireless terminal to include the synchronization information in the signal data.
2. The apparatus according to claim 1,
Further comprising synchronization information for indicating a synchronization state between an app of the affiliated store wireless terminal and an app of the user wireless terminal that has received the near field wireless signal.
10. The method according to claim 8 or 9,
Wherein the information includes at least one of color information, character information, symbol information, pattern information, image information, sound information, and moving picture information, or a combination of two or more thereof.
2. The apparatus according to claim 1,
(M < = M > M) of the M (M > = M) app screens that can be displayed through the application of the user wireless terminal are displayed on the display screen of the user wireless terminal, (1 ≤ n ≤ N) short distance communication resources among the short distance wireless communication signals (N ≥ 1) short distance communication resources. .
2. The apparatus according to claim 1,
(M > = M) application screens displayed among M (M > = 1) app screens that can be displayed through the application of the user wireless terminal are displayed, and N (1 ≤ n ≤ N) short range communication resources among the short range wireless communication resources and transmitted in short range wireless signals.
The mobile terminal according to claim 1,
And does not transmit a response signal including response information for the short-range wireless signal.
2. The method according to claim 1,
Further comprising the step of reading the recognized unique information from the app of the affiliate store wireless terminal and authenticating whether the user wireless terminal is made up of a code system corresponding to the unique information that can be transmitted through the short range wireless signal Payment method using simple unidirectional short distance radio signal.
The method according to claim 1,
Wherein the identification information further includes a disposable code generated by the user wireless terminal,
Wherein the third step further comprises the step of authenticating the validity of the one-time code included in the identification information.
The method according to claim 1,
Wherein the identification information further includes a disposable code generated by the user wireless terminal,
Wherein the medium identification information further includes a disposable code included in the identification information,
Wherein the one-time use code is validated through the server.
The method according to claim 1,
Wherein the identification information further comprises synchronization information determined by an app of the user wireless terminal,
Wherein the third step further comprises the step of outputting the synchronization information included in the recognition information.
18. The method of claim 17,
Wherein the information includes at least one of color information, character information, symbol information, pattern information, image information, sound information, and moving picture information, or a combination of two or more thereof.
The method according to claim 1,
Further comprising franchise point information provided in the franchisee wireless terminal.
The method according to claim 1,
When the media recognition information includes the one-time use code dynamically generated by the user wireless terminal,
The server authenticates the validity of the one-time code included in the medium identification information, transmits the short distance wireless signal, and authenticates the user wireless terminal installed with the application used for payment by the user with the payment medium of the user And transmitting the uni-directional short-range wireless signal to the wireless terminal.
KR1020160020517A 2016-02-22 2016-02-22 Method for Providing Payment by using One Way Short Distance Radio Frequency Signal between Mobile Device KR20170099014A (en)

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KR1020160020517A KR20170099014A (en) 2016-02-22 2016-02-22 Method for Providing Payment by using One Way Short Distance Radio Frequency Signal between Mobile Device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020160020517A KR20170099014A (en) 2016-02-22 2016-02-22 Method for Providing Payment by using One Way Short Distance Radio Frequency Signal between Mobile Device

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