KR20180086342A - Method for Providing Independent Payment in Reverse Direction - Google Patents

Abstract

According to a method for providing an independence payment in a reverse direction of the present invention, a method of being executed by an app of a user wireless terminal having a near field communication (NFC) unit and a Bluetooth unit comprises: a first step of identifying financial information of an offline affiliated store based on recognition information recognized by interfacing with an NFC module of an affiliated store device installed in the offline affiliated store through the NFC unit and identifying information on the amount of money transmitted from the affiliated store device; a second step of requesting a financial transaction to be made according to a designated transaction procedure by transmitting transaction information including the financial information of the affiliated store and the information on the amount of money transmitted from the affiliated store device to a designated financial server through a designated path; a third step of receiving result information including a transaction result of the financial transaction through the designated path; and a fourth step of incorporating the result information into a Bluetooth signal which is receivable by the affiliated store device and transmitting the same, wherein the result information is transmitted to the affiliated store device located at a close distance of the user wireless terminal through the Bluetooth signal and the transaction result is displayed through one or more display units installed in the affiliated store device.

Description

{Method for Providing Independent Payment in Reverse Direction}

The present invention relates to a mobile wireless terminal that recognizes financial information of an affiliate store by interfacing with an NFC module of a merchant store device provided at an offline merchant store in a user wireless terminal and confirms amount information transmitted from the affiliate store device, And transmits the transaction result of the financial transaction to the merchant through the Bluetooth signal of the user wireless terminal after receiving the transaction result of the financial transaction through the reverse path, And independently processes merchant settlement through the user's wireless terminal without intervention.

Conventionally, a method of visiting an offline merchant through a payment method is a cash payment method in which a user stands in front of the cashier of a merchant and takes cash out of the wallet and delivers it to the merchant, or when the card is transferred from the purse to the merchant, And a card payment method in which a card is read and a payment amount is entered and paid. Such conventional cash settlement or card settlement is a forward direction in which a merchant receives cash or a card from a merchant when the user delivers cash or a card to the merchant. In order to settle the cash during the forward payment, the user holds a large amount of cash In particular, there is a problem that a card-based payment infrastructure must be established at a merchant's site in order to carry out a forward payment process as well as a problem of having various cards in the case of card payment.

Meanwhile, in order to overcome the problem of the conventional forward card settlement, if a telephone number of a mobile terminal is input instead of a card, a method of making a payment through a mobile terminal or a method of making a settlement through a card mapped to a telephone number of the mobile terminal has been proposed. This problem solves the inconvenience of having a card only and can not solve the problem of establishing a network-based payment infrastructure on the merchant's side.

In order to solve the above problems, an object of the present invention is to provide a user wireless terminal that recognizes financial information of an affiliate store by interfacing with an NFC module of a merchant store device provided at an offline affiliate store, And transmits the transaction result of the financial transaction to the user wireless terminal via the reverse path and transmits the transaction result through the Bluetooth signal transmitted through the Bluetooth unit of the user wireless terminal through the reverse path And transferring the merchandise to the merchant point device and displaying it, thereby processing payment of the merchant merchant independently through the user wireless terminal without involvement of the merchant point device.

A method of performing a reverse independent payment method according to the present invention is a method executed through an app of a user wireless terminal having an NFC (Near Field Communication) unit and a Bluetooth unit, wherein the NFC module of an affiliate store device A first step of confirming the financial information of the franchisee based on the recognition information that is recognized by the interface and confirming the amount information transmitted from the franchisee device, a transaction including the financial information of the franchisee, A third step of transmitting result information including a transaction result of the financial transaction through a designated path by a second step of transmitting information to a designated financial server through a designated path to request a financial transaction to be performed according to a specified transaction procedure, And transmits the Bluetooth signal received by the merchant point device via the Bluetooth section And a fourth step of transmitting the result information including the result information to the franchise point device located near the user wireless terminal through the Bluetooth signal, And is displayed through one or more display portions.

The method comprising the steps of: inputting financial information of a user to be used for a transaction from a user after installing the application in the user wireless terminal, and inputting financial information of the inputted user to a designated operating server And a registering step of registering the received data in a specified storage medium.

The input step may further include the step of receiving user information identifying the user, and the registering step may include transmitting the input user information to the operation server, And registering the user's financial information with the user's financial information.

In the reverse independent payment method according to the present invention, the step of inputting further includes the step of receiving the wireless terminal information identifying the wireless terminal or extracting it from a designated medium, wherein the registering step comprises: And transmitting the terminal information to the operation server and mapping the terminal information to the financial information of the user.

In the reverse independent payment method according to the present invention, the registering step may further include transmitting a unique identifier that uniquely identifies an app of the user wireless terminal to the operation server, and processing the registration to be mapped and registered with the user's financial information .

In the reverse independent payment method according to the present invention, in the registering step, the unique identifier, which is separately allocated after the application is installed in the user wireless terminal, is transmitted to the operation server and is mapped to the user's financial information The method comprising the steps of:

The financial information of the franchisee may include financial account information for the franchisee financial account established in the name of the franchisee, virtual account information for the virtual account associated with the franchisee financial account, The financial account information for the merchant main financial account opened in the merchant store name of the merchant, the virtual account information for the virtual account associated with the merchant main financial account, And identification code information allocated to identify the merchant main financial account through the designated financial system.

In the reverse independent payment method according to the present invention, the first step includes: recognizing recognition information including financial information of the merchant through an interface with the NFC module of the merchant apparatus through the NFC unit; And confirming the financial information of the franchisee.

In the reverse independent payment method according to the present invention, the first step is a step of interfacing with the NFC module of the merchant point device through the NFC unit, recognizing the unique code information of the designated code system mapped with the financial information of the merchant And receiving the financial information of the merchant registered in association with the code information by transmitting the code information to a designated operating server.

In the backward stand-alone payment method according to the present invention, the code information is also associated with the amount information registered in the operating server specified through the merchant point device.

In the reverse independent payment method according to the present invention, the first step may include receiving, by the NFC unit, identification information including address information of a designated address system, which interfaces with the NFC module of the merchant point device and stores financial information of the merchant And receiving financial information of the merchant by accessing a server corresponding to the address information.

In the reverse independent payment method according to the present invention, the address information may also include an address of the amount information registered through the merchant point device.

In the backward independent payment method according to the present invention, the method further comprises confirming the amount information included in the recognized recognition information.

In the backward stand-alone settlement method according to the present invention, it is possible to confirm the amount code associated with the amount information registered in the operation server designated through the merchant point device from the recognition information, and transmit the confirmed amount code to the operation server, And receiving the amount information associated with the code.

In the reverse independent payment method according to the present invention, the step of checking the address information storing the money amount information registered through the merchant point device from the recognition information and receiving the registered money amount information using the confirmed address information And further comprising:

In the reverse independent payment method according to the present invention, the first step may further include inputting financial information of a user to be used in a transaction, and the transaction information may further include financial information of the user .

In the reverse independent payment method according to the present invention, the first step may further include checking and outputting financial information of a previously registered user, and the transaction information may further include financial information of the user .

In the reverse independent payment method according to the present invention, the first step further includes checking an identifier mapped to financial information of a user registered in a designated storage medium, and the transaction information further includes the identifier .

In the backward-direction stand-alone settlement method according to the present invention, the financial transaction may include a transaction for processing such that an amount corresponding to the amount information is transferred or deposited to an account corresponding to the financial information of the merchant.

In the reverse independent payment method according to the present invention, the result information may include a transaction that is uniquely assigned uniquely to identify the financial transaction initiated by interfacing with the NFC module of the merchant device through the NFC unit at a specific point in time at the user wireless terminal And an identification code.

In the reverse independent payment method according to the present invention, the transaction identification code is used for post-inquiry or verification of the transaction result of the financial transaction at the merchant point device.

The resultant information may further include authentication information for authenticating the validity of a transaction result of the financial transaction through the merchant device, and the authentication information may be transmitted to the merchant point device And authenticated.

In the reverse independent payment method according to the present invention, the authentication information includes a disposable code dynamically generated by the financial server so as to be authentic through the merchant point device.

In the reverse independent payment method according to the present invention, the authentication information includes a disposable code dynamically generated by the operation server on the designated route so as to be authentic through the merchant point device.

In the reverse independent payment method according to the present invention, the authentication information includes a disposable code dynamically generated by the user wireless terminal to be authentic through the merchant point device.

In the backward independent payment method according to the present invention, the authentication information includes a hash authentication code generated by hashing one or more specified information included in the result information in the financial server.

In the backward independent payment method according to the present invention, the authentication information includes a hash authentication code generated by hashing one or more specified information included in the result information in the operation server on the specified route.

In the reverse independent payment method according to the present invention, the authentication information may include a hash authentication code generated by hashing one or more specified information included in the result information in the user wireless terminal.

According to the present invention, the user wireless terminal interfaces with the NFC module of the merchant point device provided at the offline merchant to recognize the financial information of the merchant, confirms the amount information transmitted from the merchant point device, and transmits the money information through the reverse route The user wireless terminal receives the transaction result of the financial transaction through the reverse path and transmits the result to the merchant point device through the Bluetooth signal transmitted through the Bluetooth unit of the user wireless terminal, It is possible to securely and conveniently process the settlement of the merchant through the financial transaction which is performed independently via the reverse route through the user wireless terminal without intervening in the reverse payment process,There point.

1 is a diagram illustrating a configuration of a system for providing reverse independent payment according to an embodiment of the present invention.
2 is a functional block diagram of a user wireless terminal 200 according to an embodiment of the present invention.
3 is a diagram illustrating an information registration process according to an embodiment of the present invention.
FIG. 4 is a diagram illustrating a process of recognizing the merchant's financial information and requesting the reverse transaction according to the first embodiment of the present invention.
FIG. 5 is a diagram illustrating a process of recognizing a franchise's financial information and requesting a reverse transaction according to a second embodiment of the present invention.
FIG. 6 is a diagram illustrating a process of recognizing the merchant's financial information and requesting the reverse transaction according to the third embodiment of the present invention.
7 is a flowchart illustrating a process of processing a financial transaction for reverse independent settlement according to an embodiment of the present invention.
FIG. 8 is a diagram illustrating a process of transmitting result information of a reverse independent settlement 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 embodiments of the preferred combination type among the many embodiments of the present invention, and the embodiments that omit specific configurations (or steps) in the following embodiments, An embodiment that divides an implemented function into a specific configuration (or a step), or an embodiment that integrates functions implemented in two or more configurations (or steps) into any one configuration (or step) It is clear that the embodiments that replace the operation order and the like belong to the scope of the present invention unless otherwise mentioned in the following embodiments. 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 is a diagram illustrating a configuration of a system for providing reverse independent payment according to an embodiment of the present invention.

1 is a block diagram illustrating an embodiment of a mobile wireless terminal according to the present invention. Referring to FIG. 1, the user wireless terminal 200 interfaces with an NFC module 155 of a merchant point device 150 provided at an offline merchant to recognize financial information of a merchant, Receives a financial transaction transaction request from the user wireless terminal 200 through a reverse path even after receiving a financial transaction request through a reverse path not passing through the merchant point device 150, And transmits the Bluetooth signal to the merchant device 150 through the Bluetooth signal transmitted through the Bluetooth unit 235 of the terminal 200 to thereby display the merchant's payment through the user wireless terminal 200 independently of the merchant device 150 A person skilled in the art will be able to refer to and refer to Figure 1 and / (For example, some of the constituent parts may be omitted, or a subdivided, or an aggregate implementation method) may be inferred from the various embodiments of the system for providing the reverse independent settlement, And the technical features thereof are not limited only by the method shown in FIG.

The system of the present invention comprises a merchant point device 150 provided at an offline merchant point, a user wireless terminal 200 having a user visiting / visiting the offline merchant point, The system includes a financial server 170 that includes an operational server 100 that performs a series of procedures to process a reverse standalone settlement of the invention and processes the financial transactions requested from the user wireless terminal 200 via a reverse path .

The merchant point device 150 is a collective term for devices provided to an offline merchant for realizing a reverse independent payment according to the present invention and preferably includes a separate merchant payment device manufactured for reverse independent payment according to the present invention Or may be a POS terminal provided at an offline merchant, a merchant terminal such as a CAT, a tablet PC provided at an affiliate store, or a mobile terminal for an affiliate shop, such as a cell phone or a smartphone, , Or a combination of the merchant terminal and the merchant's wireless terminal or a combination of the merchant terminal and the merchant's main wireless terminal. Hereinafter, the franchise point device 150 will be described as an example of a payment device for an affiliate shop, but it should be apparent that the present invention is not limited thereto.

According to the method of the present invention, the merchant point device 150 can use one of the two-way proximity wireless communication, the full-duplex proximity wireless communication, and the half-duplex proximity wireless communication using the NFC-based radio frequency signal at a specified proximity distance (e.g., And an NFC module 155 for processing the proximity wireless communication described above. Preferably, the NFC module 155 can operate in a reader mode, a tag mode, or a bidirectional communication mode.

According to the embodiment of the present invention, the NFC module 155 of the merchant point device 150 forms an NFC interface with the NFC unit 240 of the user wireless terminal 200, To the wireless terminal (200).

According to the embodiment of the present invention, the NFC module 155 of the merchant point device 150 may provide the encoding information including the financial information of the merchant to the user wireless terminal 200 through the NFC. Or the NFC module 155 of the merchant point device 150 may provide the encoding information including the code information mapped to the financial information of the merchant to the user wireless terminal 200 through the NFC. Or the NFC module 155 of the merchant point device 150 may provide the encoding information including the address information of the financial information of the merchant to the user wireless terminal 200 through the NFC.

According to the method of the present invention, the merchant point device 150 may include a Bluetooth module 160 that transmits / receives a Bluetooth signal of a specified signal standard and reads it. Preferably, the Bluetooth module 160 of the merchant point device 150 has a function of receiving and reading a Bluetooth signal transmitted (or broadcast) from the user wireless terminal 200 and recognizing the designated information through the Bluetooth signal, And a function of electronically displaying the recognized information through at least one designated display unit 165 provided in the apparatus 150. [ On the other hand, the Bluetooth module 160 of the merchant point device 150 preferably has a function of selectively receiving and reading a Bluetooth signal having a specified signal strength or more.

According to the embodiment of the present invention, the Bluetooth module 160 of the merchant point device 150 receives and reads the Bluetooth signal transmitted (or broadcasted) from the user wireless terminal 200 and outputs a predetermined result included in the Bluetooth signal And electronically display the transaction result of the specified financial transaction included in the recognized result information through one or more designated display units 165 provided in the merchant point device 150. [

The user wireless terminal 200 is a collective term for a wireless communication device that a user carries / carries for a stand-alone independent payment in accordance with the present invention. The user wireless terminal 200 preferably includes a wireless terminal such as a cell phone, smart phone, And an application 255 corresponding to the application for reverse independent settlement according to the present invention is installed and executed.

The user wireless terminal 200 may include an NFC unit 240 for interfacing with the NFC module 155 of the merchant device 150 and the Bluetooth module of the merchant device 150 And a Bluetooth unit 235 capable of transmitting a Bluetooth signal of a specified signal standard that can be received through the Bluetooth communication unit 160.

The application 255 installed in the user wireless terminal 200 interfaces with the NFC module 155 of the affiliate store device 150 through the NFC unit 240 of the wireless terminal to recognize Checks the financial information of the merchant based on the identification information, confirms the amount information transmitted from the merchant point device 150, and transmits the transaction information including the financial information of the merchant and the amount information to the designated financial server 170 to process the financial transaction to be performed. Meanwhile, the application 255 of the user wireless terminal 200 processes the designated reverse path to perform the financial transaction, receives the result information including the transaction result of the financial transaction on the reverse path, The Bluetooth module 160 of the merchant device 150 receives the Bluetooth signal, and transmits the result information to the Bluetooth module 160. The Bluetooth module 160 of the merchant device 150 receives the Bluetooth signal, And display it through the display unit 165 of the merchant point device 150. [

According to the method of the present invention, the financial information of the franchisee stores financial account information for the franchisee financial account established in the name of the franchisee, virtual account information for the virtual account linked to the franchisee financial account, (For example, a PIN tech number provided by a bank cooperative open platform, etc.) assigned to identify a financial account, financial account information for a franchisee's main financial account opened in the franchise store's name of the franchisee, Virtual account information for the virtual account associated with the merchant main financial account, and identification code information assigned to identify the merchant main financial account through the specified financial system, thereby not limiting the present invention.

The operating server 100 is a collective term for a functional configuration to be implemented on the server side in order to perform a reverse independent type of settlement according to the present invention. Or more servers. For example, the operation server 100 may include a server provided in a relay agency relaying the user wireless terminal 200 and the financial server 170 of a financial institution, or may be provided in a financial institution operating the financial server 170 Or may be implemented as a server such as financial server 170 according to an implementation method, and is not limited to a specific physical server.

1, when the financial information of an affiliate store is not directly provided through the NFC module 155 of the affiliate store device 150, the operation server 100 transmits the NFC module 155 of the affiliate shop device 150, And an information management unit 105 for registering, storing, and managing financial information of the merchant to be confirmed through the user wireless terminal 200 that interfaces with the user.

When the financial information of the franchisee is not directly provided through the NFC module 155 of the merchant point device 150, the information management unit 105 transmits the financial information of the franchisee to the user wireless terminal 200) and stores the financial information in the designated storage medium and manage the stored financial information.

According to the first information recognition embodiment of the present invention, the encoding information provided through the NFC in the merchant point device 150 may directly encode and include the financial information of the merchant. In this case, The app 255 can recognize the financial information of the merchant provided by the merchant device 150 by interfacing with the NFC module 155 of the merchant device 150 through the NFC unit 240. [

According to the second information recognition embodiment of the present invention, the encoding information provided through the NFC in the merchant point device 150 may include code information unique to the designated code system, As shown in FIG. In this case, the information management unit 105 stores the code information included in the encoding information provided by the merchant device 150 through the NFC and the financial information of the merchant from the designated operating terminal in association with the designated storage medium And the app 255 of the user wireless terminal 200 interfaces with the NFC module 155 of the merchant device 150 through the NFC unit 240 to recognize the code information provided by the merchant device 150 And then request financial information associated with the code information. In this case, the information providing unit 115 may check the financial information of the merchant associated with the code information and provide the financial information to the app 255 of the user wireless terminal 200.

According to the third information recognition embodiment of the present invention, the encoding information provided through the NFC in the merchant point device 150 may include address information of a specified address system, and the address information may store the financial information of the merchant And the storage location of the storage medium. In this case, the information management unit 105 registers the financial information of the franchisee from the designated operating terminal and stores the financial information in the storage location corresponding to the address information included in the encoding information provided through the NFC at the merchant point device 150 And the app 255 of the user wireless terminal 200 interfaces with the NFC module 155 of the merchant device 150 through the NFC unit 240 to recognize the address information provided by the merchant device 150 And then request the financial information stored in the address information. In this case, the information providing unit 115 may process the financial information of the merchant stored in the storage location corresponding to the address information to be provided to the app 255 of the user wireless terminal 200.

According to the fourth information recognition embodiment of the present invention, the encoding information provided through the NFC in the merchant point device 150 may be at least partially combined with at least two embodiments among the first to third information recognition embodiments The information management unit 105 stores information corresponding to the combination embodiment and transmits the information to the user wireless terminal 200 in response to a request of the application 255 of the user wireless terminal 200. In this case, It is possible to provide information necessary for confirming the financial information of the merchant through the app 255 of the merchant. For example, the encoding information may include code information (or address information of a storage location in which some information is stored) including some of the financial information of the merchant and associated with some remaining information. In this case, the information managing unit 105 may store the remaining partial information of the financial information of the merchant in a designated storage medium, and the information providing unit 115 may store the remaining partial information at the request of the user wireless terminal 200 To be provided to the application 255 of the user wireless terminal 200.

Referring to FIG. 1, the operation server 100 includes an information storage unit 110 for registering one or more pieces of information for reverse independent payment through an app 255 of a user wireless terminal 200, .

The app 255 of the user wireless terminal 200 may be provided with one or more pieces of information designated to be registered for backward standalone payment when the specified application 255 is installed in the user wireless terminal 200 and executed for the first time Can be performed.

According to the first information registration embodiment of the present invention, the application 255 of the user wireless terminal 200 can register the user's financial information for the backward stand-alone payment. Preferably, the application 255 of the user wireless terminal 200 receives the financial information of the user to be used in the transaction from the user, transmits the financial information of the user to the designated operating server 100, And the information storage unit 110 receives the financial information of the user from the app 255 of the user wireless terminal 200 and stores the financial information in the designated storage medium A storage medium of the operating server 100, a storage medium accessible by the operating server 100, a storage medium of a designated financial institution, a storage medium of the financial server 170, and the like) . Meanwhile, when the user of the user wireless terminal 200 directly receives the key input of the user's financial information at the time of the independent stand-alone payment, the app 255 of the user wireless terminal 200 transmits the user's financial information The registration procedure may be omitted, and thus the present invention is not limited thereto. Alternatively, the application 255 of the user wireless terminal 200 may receive the financial information of the user and store the user's financial information in a designated storage area of the user wireless terminal 200. In this case, The user's financial information can be extracted and used.

According to an embodiment of the present invention, the user's financial information includes financial account information for a user financial account established in a user's name, virtual account information for a virtual account associated with the user financial account, And PIN code information (e.g., PinTech number provided by the banknote cooperative open platform, etc.) allocated to identify the financial account. According to another embodiment of the present invention, the user's financial information may include card information such as a user's credit card, check card, debit card, and cash card in addition to the account related information as described above. Is not limited.

According to the second information registration embodiment of the present invention, the app 255 of the user wireless terminal 200 can register user information (e.g., user's name, date of birth, gender identifier, etc.) . Preferably, the application 255 of the user wireless terminal 200 receives user information for identifying the user at a specified point in time before, during or after registration of the user's financial information, The information storage unit 110 maps the financial information of the user and the user information and stores the information in a designated storage medium (for example, a storage medium of the operating server 100, (For example, the user information is stored in a storage medium of the operation server 100 and the user financial information is stored in a storage medium of a financial institution, Identifier-linked). Meanwhile, the information storage unit 110 may perform a procedure for assigning a user identifier that uniquely identifies the user based on the registration of the user information. In this case, the information storage unit 110 may associate the user information with a user identifier, Can be stored. Meanwhile, the information storage unit 110 may provide the user identifier to the application 255 of the user wireless terminal 200 and store the user identifier in the designated storage area of the user wireless terminal 200 according to the method. The user identifier may be used as an identifier for identifying the user and financial information of the user.

According to the third information registration embodiment of the present invention, the application 255 of the user wireless terminal 200 may transmit the wireless terminal information (for example, the user wireless terminal 200) (E.g., a mobile phone number preassigned from before the installation of the mobile phone 255). Preferably, the application 255 of the user wireless terminal 200 receives the wireless terminal information identifying the user wireless terminal 200 at a specified point in time before, during, or after the registration of the user's financial information, Extracted from the medium (e.g., USIM, etc.), and transmits the wireless terminal information of the input / extracted user wireless terminal 200 to the operation server 100. The information storage unit 110 stores the user's financial information (For example, mapping the user's financial information and the wireless terminal information to the storage medium of the operation server 100) or mapping them to the respective storage media separated from each other (For example, the wireless terminal information may be stored in a storage medium of the operation server 100, and the user financial information may be stored in a storage medium of a financial company, but linked and registered through a designated identifier). In this case, the wireless terminal information may be used as a terminal identifier for identifying the financial information of the user.

The app 255 of the user wireless terminal 200 may be installed in the user wireless terminal 200 after the app 255 is installed in the user wireless terminal 200 It is possible to register a unique identifier that is uniquely and uniquely assigned in order to uniquely identify the app 255. [ The apps 255 of the user wireless terminal 200 may generate unique or unique unique identifiers to uniquely identify the apps 255 installed in the user wireless terminal 200, And transmits the created / assigned unique identifier to the operation server 100 (if the unique identifier is assigned by the operation server 100, the transmission process can be omitted), and the information storage The unit 110 maps the unique identifier identifying the app 255 of the user wireless terminal 200 and the financial information of the user and stores the unique identifier in a designated storage medium (For example, a unique identifier is stored in a storage medium of the operation server 100, and user financial information is stored in a storage medium of a financial institution) Stored in the body but linked and registered through the specified identifier).

According to the fifth information registration embodiment of the present invention, the app 255 of the user wireless terminal 200 may be a user who installed the app 255 after the app 255 is installed in the user wireless terminal 200, It is possible to register a unique identifier that is uniquely and uniquely assigned to the wireless terminal 200 in order to uniquely identify the wireless terminal 200 separately. Preferably, the app 255 of the user wireless terminal 200 is installed in the user wireless terminal 200 and then is not duplicated for uniquely identifying the user wireless terminal 200 installed the app 255 And transmits the generated unique identifier to the operation server 100 (provided that the unique identifier is assigned by the operation server 100), and the generated unique identifier is stored in the designated storage area of the wireless terminal And the information storage unit 110 maps the financial information of the user with the unique identifier that uniquely identifies the user wireless terminal 200 in which the application 255 is installed, (For example, mapping the user's financial information and the unique identifier to the storage medium of the operation server 100) or associating registration (e.g., a unique identifier with the storage medium of the operation server 100) Stored in the medium, and the user financial information can be stored to register) associated with the specified identifier doedoe stored in the storage medium of the financial institution.

According to an embodiment of the present invention, the information storage unit 110 may divide at least one embodiment among the first to fifth information registration embodiments (for example, divide the user financial information of the first information registration embodiment) An embodiment in which a part is stored in a user wireless terminal 200 and a part is stored in a server-side storage medium), or a form in which at least two of the first to fifth information registration embodiments are at least partially combined It is possible to register and store various kinds of information necessary for reverse independent settlement, and thus the present invention is not limited thereto.

1, the operation server 100 interfaces with the NFC module 155 of the affiliate shop device 150 through the NFC unit 240 and recognizes the application 255 of the user wireless terminal 200 Information providing unit 115 processes the financial information of the merchant to provide the financial information of the merchant to the app 255 of the user wireless terminal 200 when requesting the financial information of the merchant based on the information. Meanwhile, when the financial information of the merchant is registered and stored on the operation server 100, only the financial information of the merchant store stored through the app 255 of the user wireless terminal 200 is checked and the application of the user wireless terminal 200 The information providing unit 115 does not provide the financial information of the merchant to the app 255 of the user wireless terminal 200 but only provides the result of checking the financial information of the merchant The present invention is not limited thereto.

When the financial information of the merchant is directly encoded in the encoding information provided through the NFC in the merchant point device 150 according to the first information recognition embodiment of the present invention, the app 255 of the user wireless terminal 200 transmits the NFC portion 240 to the NFC module 155 of the merchant pointing device 150 to identify the financial information of the franchisee from the recognized identification information. In this case, the information provider 115 may be omitted.

If the code information associated with the financial information of the merchant is encoded in the encoding information provided by the merchant device 150 through the NFC in accordance with the second information recognition embodiment of the present invention, May interface with the NFC module 155 of the merchant point device 150 through the NFC unit 240 to identify the code information from the recognized identification information and transmit the code information to the operation server 100. In this case, The control unit 115 receives the code information from the application 255 of the user wireless terminal 200 and confirms the financial information of the merchant stored in association with the code information and transmits the financial information of the merchant The user 255 transmits the result information including the identifier identifying the financial information of the franchisee to the app 255 of the user wireless terminal 200 as a result of the confirmation, Financial information (or result information confirming the financial information in the merchant) can be received.

Meanwhile, according to the third information recognition embodiment of the present invention, when the address information corresponding to the storage location where the financial information of the merchant is stored in the encoding information provided by the NFC in the merchant point device 150 is encoded, The NFC module 255 of the NFC module 240 interfaces with the NFC module 155 of the merchant device 150 through the NFC module 240 to identify the address information from the recognized identification information and request the financial information of the merchant stored in the address information The information providing unit 115 may process the financial information of the merchant store stored in the address information to provide the app 255 of the user wireless terminal 200, 255) can receive the financial information of the merchant.

Meanwhile, according to another embodiment of the present invention, an application 255 of the user wireless terminal 200 may be provided with an identifier (for example, at least one of a user identifier, a terminal identifier, and a unique identifier mapped with user financial information) When requesting the financial information, the information providing unit 115 may check the financial information of the user mapped with the identifier and provide the same to the app 255 of the user wireless terminal 200.

Referring to FIG. 1, the operation server 100 receives an application 255 of the user wireless terminal 200 from an affiliate shop 150 based on recognition information that the application 255 of the user wireless terminal 200 has interfaced with the NFC module 155 of the merchant point device 150 After confirming the financial information, confirming the amount information transmitted from the merchant point device 150, and requesting the financial transaction by transmitting transaction information including the financial information of the merchant and the amount information, the application of the user wireless terminal 200 An information receiving unit for receiving the transaction information from the financial server 255, a transaction processing unit 125 for processing the financial transaction corresponding to the transaction information through the designated financial server 170, And a result providing unit 130 for receiving the result information including the transaction result of the financial transaction and providing the result information to the app 255 of the user wireless terminal 200.

The app 255 of the user wireless terminal 200 checks the financial information of the merchant based on the recognition information that is interfaced with the NFC module 155 of the merchant's device 150, And transmits transaction information including the financial information of the merchant (or an identifier mapped to the financial information of the merchant) and the transaction information to the operating server 100, and the information receiver And receives the transaction information from the app 255 of the user wireless terminal 200.

According to the first transaction information embodiment of the present invention, the transaction information may further include financial information of the user in addition to the financial information of the merchant and the amount information. Preferably, the application 255 of the user wireless terminal 200 receives the user's financial information or identifies the user's financial information stored in the designated storage area of the user wireless terminal 200, After receiving the registered financial information of the user from the information providing unit 115, transaction information including the financial information of the merchant, the money information, and the financial information of the user is configured and transmitted to the operation server 100 And the information receiving unit receives the transaction information including the financial information of the merchant, the money amount information, and the financial information of the user from the app 255 of the user wireless terminal 200. [

According to the second transaction information embodiment of the present invention, when the user's financial information is registered and stored through the information storage unit 110, the transaction information may include financial information of the merchant, And an identifier that identifies the user. Preferably, the app 255 of the user wireless terminal 200 includes at least one or a combination of two or more of identifiers (e.g., user identifiers, terminal identifiers, separately generated / assigned unique identifiers) identifying the registered financial information of the user And transmits the transaction information including the financial information of the merchant, the money information, and the identified identifier to the operation server 100. The information receiver transmits the transaction information to the user wireless terminal 200 The transaction information including the financial information of the merchant, the money amount information, and the identifier.

When the transaction information according to the first or second transaction information embodiment is received through the information receiving unit, the transaction processing unit 125 confirms the financial server 170 to process the financial transaction corresponding to the transaction information. According to the first transaction information embodiment, when the transaction information includes the user's financial information, the transaction processing unit 125 can check the financial server 170 of the financial institution corresponding to the financial information of the user. Or if the transaction information includes an identifier that identifies the user's financial information according to the second transaction information embodiment, the transaction processor 125 determines whether the financial information of the financial server of the financial institution corresponding to the financial information of the user mapped with the identifier (170). Meanwhile, according to the embodiment, the transaction processing unit 125 can confirm the financial server 170 that will process the financial transaction with the specified financial system (for example, the banking cooperative open platform of the KFTC), and the present invention is not limited thereto .

The transaction processing unit 125 transmits the financial transaction corresponding to the transaction information to the identified financial server 170, and processes the financial transaction according to the designated transaction procedure. Preferably, the financial transaction includes a transaction in which an amount corresponding to the amount information of the transaction information is transferred or deposited to an account corresponding to the financial information of the affiliated member. If the transaction information and the identifier mapped to the user's financial information are included according to the second transaction information embodiment and the financial information of the user mapped with the identifier is stored in the storage medium of the operation server 100, The transaction processing unit 125 confirms the financial information of the user mapped with the identifier from the storage medium, transmits the transaction information including the confirmed user's financial information to the financial server 170, Financial transactions can be processed. If the financial information of the user mapped with the identifier is stored in the storage medium of the financial server 170, the transaction processing unit 125 transmits the transaction information including the identifier to the financial server 170, The transaction can be processed in accordance with the procedure.

The result providing unit 130 may check the result information including the transaction result of the financial transaction requested by the transaction processing unit 125 in cooperation with the financial server 170, 255). ≪ / RTI >

According to an embodiment of the present invention, the result information may be transmitted to the user wireless terminal 200 at a specific point in time by interfacing with the NFC module 155 of the merchant device 150 through the NFC unit 240 to identify a financial transaction And may include uniquely assigned transaction identification codes to avoid duplication. The transaction identification code may be assigned through at least one of the application 255 of the user wireless terminal 200, the transaction processing unit 125, or the financial server 170 An event for interfacing with the NFC module 155 of the merchant station 150 through the NFC unit 240 of the user wireless terminal 200, an event for checking the financial information of the merchant using the NFC, An event for confirming the amount information transmitted from the merchant point device 150, and an event for requesting a transaction procedure by transmitting the transaction information. According to the embodiment of the present invention, the transaction ID code is generated by the merchant device 150, which has received the result information, independently of the transaction result of the financial transaction performed in the reverse direction through the user wireless terminal 200 without intervention thereof Post-inquiry, or verification.

According to the embodiment of the present invention, the result information indicates that the transaction result included in the result information is a transaction result of a legitimate financial transaction independently performed in the reverse direction through the user wireless terminal 200 The authentication information may be included in the result information and may be transmitted to the merchant device 150 and authenticated through the merchant device 150. [

According to the first authentication information embodiment of the present invention, the authentication information may include a one-time code dynamically generated by the financial server 170 so as to be authentic through the merchant point device 150. In this case, The result providing unit 170 may dynamically generate a disposable code and provide the resultant information to the operating server 100. The result providing unit 130 may further include the disposable code from the financial server 170 And provides the result information to the app 255 of the user wireless terminal 200. The app 255 of the user wireless terminal 200 may receive the result information further including the disposable code and then transmit the result information to the merchant device 150 according to a designated procedure, Authenticates the validity of the one-time code included in the result information, and thus the transaction result included in the result information is independently and correctly performed in the reverse direction through the user wireless terminal 200 without intervention thereof It can be certified that it is a valid transaction result of a financial transaction. Meanwhile, the financial server 170 may register and manage at least one fixed seed for generating the disposable code.

According to the second authentication information embodiment of the present invention, the authentication information may include a one-time code dynamically generated by the operation server 100 so as to be authentic through the merchant point device 150. In this case, The study 130 may dynamically generate a disposable code to be included in the result information and transmit the disposable code to the result information to be provided to the app 255 of the user wireless terminal 200. The app 255 of the user wireless terminal 200 may transmit the result information to the merchant device 150 according to a designated procedure after receiving the result information further including the disposable code, Authenticates the validity of the one-time code included in the result information, and thus the transaction result included in the result information is independently and effectively performed in the reverse direction through the user wireless terminal 200 without intervention thereof It can be certified that it is a valid transaction result of a financial transaction. Meanwhile, the result providing unit 130 may register and manage at least one fixed seed for generating the disposable code.

According to the third authentication information embodiment of the present invention, the authentication information may include a one-time code dynamically generated by the user wireless terminal 200 to be authentic through the merchant device 150, When the providing unit 130 provides the result information to the app 255 of the user wireless terminal 200, the app 255 of the user wireless terminal 200 dynamically generates a disposable code to be included in the result information The franchise point device 150 may transmit the result information including the disposable code to the franchise point device 150 in accordance with a designated procedure, and the franchise point device 150 may receive the result information and, after receiving the result information, It is verified that the transaction result included in the result information is a valid transaction result of the financial transaction independently and effectively performed in the reverse direction through the user wireless terminal 200 without intervention thereof Can. Meanwhile, at least one fixed seed for generating the disposable code may be set in the app 255 of the user wireless terminal 200.

According to the fourth authentication information embodiment of the present invention, the authentication information may include a hash authentication code generated by hashing one or more specified information included in the result information in the financial server 170, The financial server 170 can hash the at least one specified information included in the result information to dynamically generate a hash authentication code and provide the hash authentication code to the operation server 100 as the result information, 130 may receive the result information including the hash authentication code from the financial server 170 and provide the result information to the app 255 of the user wireless terminal 200. The app 255 of the user wireless terminal 200 may receive the result information further including the hash authentication code and may forward the result information to the merchant device 150. The merchant device 150 may transmit the result information The validity of the hash verification code included in the result information is authenticated, and thus the transaction result included in the result information is validated through the user wireless terminal 200 in the reverse direction without being intervened, The result can be authenticated.

According to the fifth authentication information embodiment of the present invention, the authentication information may include a hash authentication code generated by hashing one or more specified information included in the result information in the operation server 100, The result providing unit 130 dynamically generates a hash authentication code by hashing one or more specified information included in the result information and transmits the hash authentication code to the result information to be provided to the app 255 of the user wireless terminal 200. [ And transmits it. The app 255 of the user wireless terminal 200 may receive the result information further including the hash authentication code and may forward the result information to the merchant device 150. The merchant device 150 may transmit the result information The validity of the hash verification code included in the result information is authenticated, and thus the transaction result included in the result information is validated through the user wireless terminal 200 in the reverse direction without being intervened, The result can be authenticated.

According to the sixth authentication information embodiment of the present invention, the authentication information may include a hash authentication code generated by hashing at least one specified information included in the result information at the user wireless terminal 200, When the result providing unit 130 provides the result information to the app 255 of the user wireless terminal 200, the app 255 of the user wireless terminal 200 transmits one or more specified information included in the result information And transmits the result information including the hash authentication code to the merchant point device 150. The merchant point device 150 receives the result information and then transmits the result information to the merchant point device 150. [ Authenticating the validity of the included hash authentication code, thereby allowing the transaction result included in the result information to be independently and effectively performed in the reverse direction through the user wireless terminal 200 without intervention thereof Can authenticate that a valid transaction result of the transaction.

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

2 illustrates a configuration of a user wireless terminal 200 having an app 255 for processing a backward stand-alone payment. As long as those skilled in the art are familiar with the present invention, 2 may be referenced and / or modified to derive various implementations of the functionality of the user wireless terminal 200, but the invention is not limited to the embodiments illustrated in the drawings The technical features are not limited by the method alone.

2, the user wireless terminal 200 includes a control unit 205, a memory unit 250, a screen output unit 210, a user input unit 215, a sound output unit 220, and a sound input unit 225 A Bluetooth unit 235, an NFC unit 240, a local area network communication unit 245a, a wireless network communication unit 245b, a USIM reader unit, and a USIM, and is provided with a battery for power supply do.

The control unit 205 is a collective term for controlling the operation of the wireless terminal, and includes at least one processor and an execution memory, and is connected to each component provided in the wireless terminal through a bus (BUS) . According to the present invention, the control unit 205 loads at least one program code included in the wireless terminal into the execution memory through the processor, and transfers the result to at least one component through the bus And controls the operation of the wireless terminal. Hereinafter, the functional configuration of the application 255 installed and executed in the wireless terminal in the form of program code will be described in the control unit 205 for convenience.

The memory unit 250 is a generic name of a nonvolatile memory corresponding to a storage resource of the wireless terminal and includes at least one program code executed through the control unit 205 and at least one data set used by the program code And stores it. The memory unit 250 basically comprises a system program code and a system data set corresponding to an operating system of the wireless terminal, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal, and at least one application program code And the application code and data set corresponding to the app 255 of the present invention are also stored in the memory unit 250. [

The screen output unit 210 includes a screen output unit (e.g., an LCD (Liquid Crystal Display) or the like) and a driving module for driving the screen output unit 210. The screen output unit 210 is interlocked with the control unit 205, And outputs an operation result corresponding to the output to the screen output device.

The user input unit 215 includes at least one user input device (e.g., a button, a keypad, and a touch pad) and a driving module for driving the user input unit 215. The user input unit 215 commands various operations of the control unit 205 in cooperation with the control unit 205 Or inputs data necessary for the operation of the control unit 205. [ Preferably, the user input unit 215 may implement a touch screen in cooperation with the screen output unit 210.

The sound wave output unit 220 is composed of a speaker for outputting a sound wave and a drive module for driving the sound wave output unit. The sound wave output unit 220 decodes data corresponding to a sound wave output among various calculation results of the control unit 205, Output. The sound wave signal output through the sound wave output unit 220 may include a sound wave signal in an audible frequency band that can be perceived through a human hearing and may include a sound wave code obtained by coding a specified beat or pattern And may include sonic signals.

The sound wave input unit 225 comprises a microphone and a drive module for driving the microphone. The sound wave input unit 225 encodes the sound wave input through the microphone and transmits the encoded sound wave to the control unit 205. The sound wave signal inputted through the sound wave input unit 225 may include a sound signal including a sound wave encoded by a specified beat or pattern according to an implementation method.

The camera unit 230 includes an optical unit corresponding to a camera, a CCD (Charge Coupled Device) and a drive module for driving the CCD unit, and acquires image data or image data in a bitmap form input to the CCD through the optical unit . The data obtained through the camera unit 230 may include still image data or moving image data.

The Bluetooth unit 235 collectively refers to a wireless communication resource for transmitting and receiving a Bluetooth-based radio frequency signal (hereinafter, referred to as 'Bluetooth signal' for convenience) at a predetermined short range (for example, about 30 m and a maximum of 100 m) Bluetooth signal can be transmitted and received according to specification 4.0 or later. The Bluetooth unit 235 can process the pairing-based bidirectional Bluetooth communication and can transmit (or broadcast) the Bluetooth signal unidirectionally (or broadcast) without pairing according to a standard (for example, BLE standard, etc.) And can recognize and process various information included in the Bluetooth signal received without the pairing.

The NFC unit 240 may use one or more of at least one of a two-way proximity wireless communication, a full-duplex proximity wireless communication, and a half-duplex proximity wireless communication using a near field communication (NFC) based radio frequency signal at a specified proximity As a collective term for wireless communication resources that process communication, it is possible to process proximity wireless communication preferably in accordance with the NFC standard. The NFC unit 240 may operate in a reader mode, a tag mode, or a bidirectional communication mode.

The wireless network communication unit 245b and the short-range network communication unit 245a are collectively referred to as communication resources for connecting the wireless terminal to a designated communication network. Preferably, the wireless terminal may include a wireless network communication unit 245b as a basic communication resource, and may include one or more short-range network communication units 245a.

The wireless network communication unit 245b collectively refers to a communication resource for connecting the user wireless terminal 200 to a wireless communication network via a base station. The wireless communication unit 245b includes an antenna, an RF module, a baseband module, And a signal processing module. The control unit 205 is connected to the control unit 205 and transmits operation results corresponding to wireless communication among the various operation results of the control unit 205 through a wireless communication network or transmits data through a wireless communication network And transmits it to the control unit 205, and performs the connection, registration, communication, and handoff procedures of the wireless communication. According to the present invention, the wireless network communication unit 245b 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, Based wireless network data communication (e.g., the Internet).

According to an embodiment of the present invention, the wireless network communication unit 245b is a mobile communication unit that performs at least one of connection to a mobile communication network, location registration, call processing, call connection, data communication, and handoff according to the CDMA / WCDMA / ≪ / RTI > Meanwhile, in accordance with the intention of those skilled in the art, the wireless network communication unit 245b may operate according to other wireless network standards other than mobile communication, and thus the present invention is not limited thereto. That is, the wireless network communication unit 245b 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 section, a type of a communication network, or a protocol.

The short-range network communication unit 245a collectively refers to a communication resource for connecting a communication session using a radio frequency signal as a communication medium at a predetermined short distance (for example, about 30 m) and connecting the wireless terminal to the communication network based on the communication session, May connect the wireless terminal 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 245a may be integrated with or separated from the wireless network communication unit 245b. According to the present invention, the short-range network communication unit 245a connects the wireless terminal to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader is a generic name for exchanging at least one data set with a universal subscriber identity module mounted or detached from the wireless terminal based on the ISO / IEC 7816 standard. The data set includes an APDU (Application Protocol Data Unit). The USIM is an SIM type card having an IC chip conforming to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader unit, a program code for at least one IC chip, (Or processing) the program code for the IC chip in accordance with at least one command transmitted from the wireless terminal, or extracts (or processes) the data set and transmits the program code to the input / output interface Processor.

The user wireless terminal 200 downloads and installs the application 255 of the present invention from a designated application providing server (for example, an Apple App Store or the like) through a data network. When the application 255 is operated, ).

Referring to FIG. 2, the application 255 of the user wireless terminal 200 includes an information registration unit 260 for performing a procedure of registering information for reverse independent payment.

The information registration unit 260 performs a procedure of registering one or more pieces of information designated to be registered for backward standalone payment at the time of initial operation of the application 255 installed in the user wireless terminal 200 .

According to the first information registration embodiment of the present invention, the information registration unit 260 can register the user's financial information for the backward-direction stand-alone payment. Preferably, the information registration unit 260 receives financial information of a user to be used in a transaction from a user, transmits the inputted financial information of the user to the designated operation server 100, The operation server 100 may receive the financial information of the user from the application 255 of the user wireless terminal 200 and may transmit the financial information of the user to the designated storage medium A storage medium accessible by the operation server 100, a storage medium of a designated financial institution, a storage medium of the financial server 170, and the like). Meanwhile, in the case where the user's financial information is directly input in the app 255 of the user wireless terminal 200 in the case of the reverse independent payment of the present invention, the information registration unit 260 may omit the procedure of registering the user's financial information The present invention is not limited thereto. Alternatively, the information registration unit 260 may receive the financial information of the user and store the received financial information in a designated storage area of the user wireless terminal 200. In this case, the user's financial information stored in the designated storage area may be extracted .

According to an embodiment of the present invention, the user's financial information includes financial account information for a user financial account established in a user's name, virtual account information for a virtual account associated with the user financial account, And PIN code information (e.g., PinTech number provided by the banknote cooperative open platform, etc.) allocated to identify the financial account. According to another embodiment of the present invention, the user's financial information may include card information such as a user's credit card, check card, debit card, and cash card in addition to the account related information as described above. Is not limited.

According to the second information registration embodiment of the present invention, the information registration unit 260 may register user information (e.g., a user's name, date of birth, gender identifier, etc.) identifying the user. Preferably, the information registration unit 260 receives user information for identifying the user at a specified point in time before, during and after the registration of the user's financial information, receives the input user information from the operation server 100, The operation server 100 maps the financial information of the user and the user information and stores the user information in a designated storage medium (e.g., mapping the user's financial information and user information to the storage medium of the operation server 100) (For example, the user information is stored in the storage medium of the operation server 100 and the user financial information is stored in the storage medium of the financial company, but is linked and registered through the specified identifier) to each of the storage media separated from each other Can be stored. Meanwhile, the operation server 100 may perform a procedure of assigning a user identifier that uniquely identifies the user based on the registration of the user information. In this case, the operation server 100 stores the user information and the user identifier in a specified storage medium . Meanwhile, the operation server 100 may provide the user identifier to the application 255 of the user wireless terminal 200 and store the user identifier in the designated storage area of the user wireless terminal 200 according to the embodiment. The user identifier may be used as an identifier for identifying the user and financial information of the user.

According to the third information registration embodiment of the present invention, the information registration unit 260 registers wireless terminal information identifying the user wireless terminal 200 (e.g., installing the application 255 in the user wireless terminal 200) A pre-assigned mobile phone number, etc.). Preferably, the information registration unit 260 receives the wireless terminal information identifying the user wireless terminal 200 at a predetermined point in time before, during or after the registration of the user's financial information, Extracts the user terminal 200 from the user terminal 100, and transmits the wireless terminal information of the input / extracted user wireless terminal 200 to the operation server 100. The operation server 100 maps the user's financial information and the wireless terminal information (For example, mapping the user's financial information and wireless terminal information to a storage medium of the operation server 100) or associating registration with each storage medium separated from each other (for example, Stored in the storage medium of the operation server 100, and the user financial information is stored in a storage medium of a financial institution, but is linked and registered through a designated identifier). In this case, the wireless terminal information may be used as a terminal identifier for identifying the financial information of the user.

According to the fourth information registration embodiment of the present invention, the information registration unit 260 registers the app 255 installed in the user wireless terminal 200 after the app 255 is installed in the user wireless terminal 200 A unique identifier that is uniquely assigned so as not to be duplicated can be registered. Preferably, the information registration unit 260 generates a unique unique identifier unique to the user wireless terminal 200 to uniquely identify the installed application 255, stores the unique identifier in a designated storage area of the wireless terminal And transmits the created / assigned unique identifier to the operation server 100 (if the unique identifier is assigned by the operation server 100, the transmission process may be omitted) The unique identifier for uniquely identifying the application 255 of the mobile terminal 200 and the financial information of the user are mapped and stored in a designated storage medium (for example, the financial information of the user and the unique identifier are stored in the storage medium of the operation server 100 (For example, the unique identifier is stored in the storage medium of the operation server 100 and the user financial information is stored in a storage medium of a financial institution, Through a specified identifier may be stored so that the associated register).

According to the fifth information registration embodiment of the present invention, the information registration unit 260 registers the user wireless terminal 200 installed with the app 255 after the app 255 is installed in the user wireless terminal 200 It is possible to register a unique identifier that is separately and uniquely assigned for the unique identification. The information registration unit 260 may include a unique unique identifier unique to the user wireless terminal 200 installed in the user wireless terminal 200 after the application 255 is installed And stores the created unique identifier in the designated storage area of the wireless terminal, and transmits the generated / assigned unique identifier to the operation server 100 (if the unique identifier is assigned by the operation server 100, the transmission process may be omitted) The operating server 100 maps the financial information of the user with the unique identifier that uniquely identifies the user wireless terminal 200 installed with the application 255 and stores the unique identifier in a designated storage medium (For example, the unique identifier is stored in the storage medium of the operation server 100), or a linkage registration (for example, a unique identifier is stored in the storage medium of the operation server 100) User financial information can be stored to register) associated with the specified identifier doedoe stored in the storage medium of the financial institution.

According to the method of the present invention, the information registration unit 260 may divide at least one embodiment among the first to fifth information registration embodiments (for example, by dividing the user financial information of the first information registration embodiment Such as an embodiment in which a part of the information is stored in the user wireless terminal 200 and a part thereof is stored in a storage medium in the server side) or a form in which at least two of the first to fifth information registration embodiments are at least partially combined So as to perform a procedure of registering various kinds of information necessary for reverse independent settlement, and thus the present invention is not limited thereto.

Referring to FIG. 2, the application 255 of the user wireless terminal 200 interfaces with the NFC module 155 of the affiliate shop device 150 provided at the offline merchant through the NFC unit 240 to recognize And an information recognition unit 265 for confirming the financial information of the franchisee based on the information.

An offline merchant providing reverse independent settlement according to the present invention includes an NFC module 155 that interfaces with the NFC unit 240 of the user wireless terminal 200 and the Bluetooth unit 235 of the user wireless terminal 200 And a Bluetooth module 160 for receiving the Bluetooth signal transmitted through the Bluetooth module and recognizing the information included in the Bluetooth signal, and one or more display units 165 capable of electronically displaying the transaction results included in the recognized result information And a franchise point device 150 equipped with the same. The merchant device 150 may include a separate payment device for an affiliate shop. The merchant device 150 may be a POS terminal provided in an offline merchant, a merchant terminal such as a CAT, a tablet PC provided in an affiliate store, Or a mobile terminal of a merchant such as a mobile phone or a smart phone possessed by a merchant's stock or a combination of a merchant terminal and an affiliated store wireless terminal or a combination of an affiliated store terminal and an affiliated store's primary wireless terminal. Hereinafter, the franchise point device 150 will be described as an example of a payment device for an affiliate shop, but it should be apparent that the present invention is not limited thereto.

The information recognition unit 265 acquires the usage right of the NFC unit 240 of the user wireless terminal 200 to activate the NFC function and transmits the NFC module 240 of the merchant device 150 via the NFC unit 240 155) to identify the financial information of the merchant based on the recognized information.

According to the first information recognition embodiment of the present invention, the financial information of the franchisee can be directly encoded in the encoding information provided through the NFC module 155 in the merchant point device 150. In this case, the information recognizing unit 265 interfaces with the NFC module 155 of the merchant point device 150 through the NFC unit 240 to recognize the identification information including the financial information of the merchant, The financial information of the included merchant can be confirmed. Meanwhile, the recognized information read out from the encoded information may further include an authentication value (e.g., a checksum value) for authenticating the validity of the financial information of the merchant included in the recognition information. In this case, The authentication unit 265 can authenticate the validity of the authentication value and authenticate the validity of the financial information of the merchant included in the recognition information. Meanwhile, the recognition information includes a dynamic authentication value (for example, a hash authentication code generated by hashing one or more pieces of information included in the recognition information with a specified hash algorithm) for authenticating the validity of the financial information of the merchant In this case, the dynamic authentication value may be authenticated through the information recognition unit 265, or may be authenticated through the operation server 100 or the financial server 170 after being transmitted and included in the transaction information. Alternatively, the recognition information may be a dynamically generated one-time authentication value (e.g., one or more fixed seeds pre-exchanged with the authentication side in the specified code generation algorithm) to dynamically determine the validity of the financial information of the merchant The one-time authentication value is included in the transaction information, and then transmitted to the merchant device 150, which has shared the fixed seed on the merchant point device 150 side. (E.g., the operating server 100, the financial server 170, or a separate designated authentication server).

According to the second information recognition embodiment of the present invention, the encoding information provided through the NFC module 155 in the merchant point device 150 may include unique information that uniquely identifies the financial information of the merchant registered through the information registration unit 260 One code information can be encoded. In this case, the information recognition unit 265 interfaces with the NFC module 155 of the merchant point device 150 through the NFC unit 240 to recognize the identification information including the unique code information of the designated code scheme, And transmits the code information to the operation server 100 to receive financial information of the merchant registered in association with the code information. Meanwhile, the recognition information read by reading the encoding information may further include an authentication value (e.g., a checksum value) for authenticating the validity of the code information included in the recognition information. In this case, the information recognition unit 265 May authenticate the validity of the authentication value and authenticate the validity of the code information included in the recognition information. Meanwhile, the recognition information may include a dynamic authentication value generated to authenticate the validity of the code information. In this case, the dynamic authentication value may be authenticated through the information recognition unit 265, And can be authenticated through the operation server 100 or the financial server 170 after being transmitted. Alternatively, the recognition information may include a dynamically generated one-time authentication value for authenticating the validity of the code information. In this case, the one-time authentication value is included in the transaction information and then transmitted to the merchant device 150 side It can be authenticated through the server side that shared the fixed seed.

Meanwhile, according to the embodiment of the present invention, the recognition information including the code information may further include address information on the server side in which the code information and the financial information of the merchant store are stored in association with each other. In this case, May transmit the code information to the address information on the server side included in the recognition information and receive the financial information of the merchant associated with the code information. If the address information in which the code information and the financial information of the merchant are stored in association with each other is set in the application 255, the identification information may not include the address information of the server side. No.

According to the third information recognition embodiment of the present invention, the encoding information provided through the NFC module 155 in the merchant point device 150 includes a storage location for storing financial information of the merchant registered through the information registration unit 260, Can be encoded. In this case, the information recognizing unit 265 interfaces with the NFC module 155 of the merchant point device 150 through the NFC unit 240 to recognize the identification information including the address information of the designated address system, (For example, the operation server 100 or the like) corresponding to the financial information of the merchant. Meanwhile, the recognition information read by reading the encoding information may further include an authentication value (e.g., a checksum value) for authenticating the validity of the address information included in the recognition information. In this case, the information recognition unit 265 May authenticate the validity of the authentication value and authenticate the validity of the address information included in the authentication information. Meanwhile, the recognition information may include a dynamic authentication value generated to authenticate the validity of the address information. In this case, the dynamic authentication value may be authenticated through the information recognition unit 265, And can be authenticated through the operation server 100 or the financial server 170 after being transmitted. Alternatively, the recognition information may include a dynamically generated one-time authentication value to authenticate the validity of the address information. In this case, the one-time authentication value is included in the transaction information and then transmitted to the merchant device 150 side It can be authenticated through the server side that shared the fixed seed.

According to the fourth information recognition embodiment of the present invention, the encoding information provided through the NFC module 155 in the merchant point device 150 may include at least two of the first to third information recognition embodiments at least partially Can be encoded. In this case, the information recognizing unit 265 can check the financial information of the franchisee based on the recognition information obtained by interfacing with the NFC module 155 of the merchant point device 150 through the NFC unit 240.

Referring to FIG. 2, the app 255 of the user wireless terminal 200 includes an amount checking unit 270 for checking the amount information transmitted from the merchant point device 150 based on the recognized recognition information, An information constructing unit 275 configuring transaction information including the financial information of the merchant and the money amount information, and the transaction information configured by the designated reverse path to the financial server 170, And a transaction request unit 280 for requesting a transaction to be performed.

The money checking unit 270 checks the financial information of the franchisee through the information recognizing unit 265 at a point in time before, during, after the confirmation of the financial information of the franchisee, And confirms the amount information transmitted from the server.

According to the first information recognition embodiment of the present invention, the NFC module 155 of the merchant point device 150 can provide the encoding information obtained by encoding the money amount information to be transmitted from the merchant point device 150 through NFC. In this case, the money amount confirmation unit 270 can confirm the money amount information included in the recognition information recognized through the information recognition unit 265. Meanwhile, the recognition information read by reading the encoding information may further include an authentication value (e.g., a checksum value) for authenticating the validity of the amount information included in the recognition information. In this case, the amount confirmation unit 270 May authenticate the validity of the authentication value and authenticate the validity of the amount information included in the recognition information. Meanwhile, the recognition information may include a dynamic authentication value (for example, a hash authentication code generated by hashing one or more pieces of information included in the recognition information with a specified hash algorithm) to authenticate the validity of the amount information In this case, the dynamic authentication value may be authenticated through the money checking unit 270 or included in the transaction information, and then authenticated through the operation server 100 or the financial server 170. Alternatively, the recognition information may include a dynamically generated one-time authentication value (e.g., a dynamic seed determined dynamically in real time with one or more fixed seeds pre-exchanged with an authentication side in a specified code generation algorithm) to authenticate the validity of the amount information, The one-time authentication value may be included in the transaction information, and then transmitted to the server side (i.e., the server side) sharing the fixed seed on the merchant point device 150 side For example, the operation server 100, the financial server 170, or a separate designated authentication server).

According to the second amount confirmation embodiment of the present invention, the merchant point device 150 can determine / input the amount information and register it in the designated operation server 100. In this case, the NFC module 155 of the merchant point device 150 transmits an amount code corresponding to the money amount information, which is associated with the money amount information, Can be provided through the NFC. Alternatively, the amount information may be additionally registered and stored in association with the code information that uniquely identifies the financial information of the merchant registered through the information registration unit 260. In this case, the NFC module 155 of the merchant point device 150 And the encoding information obtained by encoding the code information can be provided through NFC. When the money amount information is registered in association with the money amount code, the money amount checking unit 270 checks the money amount code included in the recognition information recognized through the information recognition unit 265, It is possible to receive the money amount code and the money amount information registered in association with the money amount code. On the other hand, if the money amount information is registered in association with the code information, the money amount checking unit 270 reads the code information from the information received on the basis of the code information transmitted to the operating server 100 through the information recognizing unit 265 You can check the amount information. Meanwhile, when the identification information includes the value code, the identification information may further include an authentication value (e.g., a checksum value) for authenticating the validity of the code information included in the identification information. In this case, The amount confirmation unit 270 can authenticate the validity of the authentication value and authenticate the validity of the amount code included in the recognition information. Meanwhile, the recognition information may include a dynamic authentication value generated to authenticate the validity of the money amount code. In this case, the dynamic authentication value may be authenticated through the money amount checking unit 270 or included in transaction information And may be authenticated through the operation server 100 or the financial server 170 after being transmitted. Alternatively, the recognition information may include a one-time authentication value dynamically generated to authenticate the validity of the money code. In this case, the one-time authentication value may be included in the transaction information and then transmitted to the merchant device 150 It can be authenticated through the server side that shared the fixed seed.

Meanwhile, according to the embodiment of the present invention, the recognition information may further include address information on the server side in which the money amount code and the money amount information are stored in association with each other. In this case, And transmits the money amount code to the address information on the server side to receive money amount information associated with the money amount code. If the address information in which the money amount code and the money amount information are stored in association with each other is set in the application 255, the address information of the server side may not be included in the recognition information, and thus the present invention is not limited thereto.

According to the third amount confirmation embodiment of the present invention, the merchant point device 150 can determine and input amount information and register and store the information at a designated storage location. In this case, the NFC module 155 of the merchant point device 150 It is possible to provide encoding information obtained by encoding address information corresponding to a storage location for storing the money amount information through NFC. In this case, the amount confirmation unit 270 identifies the address information of the designated address system included in the recognition information recognized through the information recognition unit 265, and transmits the address information to the server (for example, the operation server 100 ), Etc.) and receive the amount information. Meanwhile, the recognition information read by reading the encoding information may further include an authentication value (e.g., a checksum value) for authenticating the validity of the address information included in the recognition information. In this case, May authenticate the validity of the authentication value and authenticate the validity of the address information included in the authentication information. Meanwhile, the recognition information may include a dynamic authentication value generated to authenticate the validity of the address information. In this case, the dynamic authentication value may be authenticated through the amount confirmation unit 270 or included in transaction information And may be authenticated through the operation server 100 or the financial server 170 after being transmitted. Alternatively, the recognition information may include a dynamically generated one-time authentication value to authenticate the validity of the address information. In this case, the one-time authentication value is included in the transaction information and then transmitted to the merchant device 150 side It can be authenticated through the server side that shared the fixed seed. Meanwhile, the amount information may be registered and stored in a storage location corresponding to the address information storing the financial information of the merchant, according to an embodiment of the present invention. In this case, The amount information can be confirmed from the information received from the storage location corresponding to the address information.

According to the fourth amount confirmation embodiment of the present invention, the NFC module 155 of the merchant point device 150 receives information in the form of at least partially combining at least two embodiments among the first to third amount confirmation embodiments Can be provided through the NFC. In this case, the amount confirmation unit 270 can confirm the amount information based on the recognition information obtained according to the embodiment in which at least two embodiments among the first to third amount confirmation embodiments are at least partially combined .

According to the embodiment of the present invention, the first to fourth information recognition embodiments and the first to fourth amounts confirmation embodiments may be variously combined, and the present invention is not limited to the first to fourth information recognition examples And the number of all combinations of the first to fourth amount confirmation embodiments are included as the scope of right.

If the financial information of the merchant is confirmed through the information recognizing unit 265 and the money information is received through the money checking unit 270, the information generating unit 275 may include the financial information of the merchant and the money information Thereby constructing transaction information for requesting a transaction through a reverse path. Preferably, the information constructing unit 275 may configure transaction information for requesting a financial transaction for processing such that the money corresponding to the money information is transferred or deposited to an account corresponding to the financial information of the merchant.

(For example, if the user's financial information is not registered in the storage medium of the designated server via the information registration unit 260), the information configuration unit 275 may display an interface for receiving financial information of a user to be used in the transaction for the backward standalone settlement and may receive the financial information of the user through the interface and include the information in the transaction information.

Meanwhile, when the user's financial information is stored in the designated storage area of the user wireless terminal 200, the information construction unit 275 extracts the financial information of the stored user and transmits the extracted financial information of the user to the transaction information Can be included.

Meanwhile, when the user's financial information is registered in the storage medium of the designated server through the information registration unit 260, the information organization unit 275 confirms the financial information of the user registered in the server-side storage medium (E.g., at least one of a user identifier, a terminal identifier, and a unique identifier mapped with user financial information) to the server side, receives the financial information of the user mapped with the identifier, And can output the received financial information. The information constructing unit 275 may include the received financial information of the user in the transaction information.

Meanwhile, when the user's financial information is registered in the storage medium of the designated server through the information registration unit 260, the information organization unit 275 confirms the financial information of the user registered in the server-side storage medium (For example, at least one of a user identifier, a terminal identifier, and a unique identifier mapped with user financial information), and by including the identified identifier in the transaction information, The financial information of the user stored in the designated storage medium may be extracted through the server (for example, the operation server 100 or the financial server 170).

According to the embodiment of the present invention, the information constructing unit 275 may acquire the amount corresponding to the amount information from the account (or card, etc.) corresponding to the user financial information through the designated financial server 170, At least one transaction authentication information (for example, at least one information specified among a transaction authentication PIN, an electronic signature, and a disposable password registered by a user) necessary for requesting a financial transaction to be handed over or deposited to an account corresponding to the information Or may be included in the transaction information.

When the transaction information including the financial information of the merchant and the amount information and including the user's financial information (or the identifier mapped with the user's financial information) is configured through the information constructing unit 275, The transaction server 280 transmits the transaction information configured to the operation server 100 via the reverse path that the merchant point device 150 does not intervene and the operation server 100 transmits the transaction information to the designated financial server 170 The financial server 170 requests the financial transaction to be performed according to a transaction procedure corresponding to the transaction information. Preferably, the financial transaction includes a financial transaction in which an amount corresponding to the amount information is transferred or deposited to an account corresponding to the financial information of the merchant.

After processing the financial transaction, the financial server 170 composes result information including a transaction result (for example, transaction details) of the financial transaction and transmits the result information to the operation server 100. The operation server 100 Provides the result information to the app 255 of the user wireless terminal 200.

According to the embodiment of the present invention, the result information uniquely identifies the transaction result of the financial transaction independently processed through the reverse path in the app 255 of the user wireless terminal 200 without involvement of the merchant device 150 A transaction identification code may be included.

According to the embodiment of the present invention, the result information may include a disposable code dynamically generated by the financial server 170 so that it can be authenticated through the merchant point device 150, and / Authentication information such as a hash authentication code generated by hashing one or more specified information included in the result information. Or the result information may be a hash code dynamically generated by the operation server 100 so as to be authenticable through the merchant device 150 and / or hashed information or one or more specified information included in the result information in the operation server 100 And a hash authentication code generated by the hash function.

2, the app 255 of the user wireless terminal 200 includes a result receiving unit 285 that receives result information including a transaction result of the financial transaction on a designated reverse path, And a result transmitting unit 290 for transmitting the result information to a Bluetooth signal that can be received by the merchant point device 150 through the Bluetooth communication unit 235.

After the transaction request is transmitted through the transaction request unit 280 to the merchant point device 150 through the reverse path that does not intervene, the result receiving unit 285 transmits the transaction information through the reverse path, The result information including the transaction result of the transaction is received and the transaction result included in the received result information may be outputted through the screen output unit 210. [ Meanwhile, the result information may further include authentication information such as a hash code generated by dynamically generating a one-time code dynamically generated by the merchant device 150 and / or a hash code generated by hashing one or more specified information included in the result information .

The result transmitter 290 acquires the right to use the Bluetooth unit 235 of the user wireless terminal 200 to activate the function of transmitting and receiving the Bluetooth signal and preferably transmits the Bluetooth signal unidirectionally without pairing Activate the function. If the Bluetooth module 235 of the user wireless terminal 200 and the Bluetooth module 160 of the merchant device 150 are paired or can be automatically paired, the result transmitter 290 transmits the unidirectional transmission Or broadcast), the result information is transmitted to the franchise point device 150 through a Bluetooth signal for bidirectional communication, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, the result transmitter 290 encodes the result information in a unidirectionally transmitted (or broadcasted) Bluetooth signal through the Bluetooth unit 235, The result information is transmitted to the merchant point device 150 even when the merchant device 150 is not paired with the merchant point device 150. [ Preferably, the result transmitter 290 transmits the unidirectional Bluetooth signal including the result information to the merchant point device 150 through the unidirectionally transmitted (or broadcasted) Bluetooth signal, It is difficult to confirm whether the franchise point device 150 normally receives and processes the Bluetooth signal due to the characteristic of the Bluetooth signal transmitted unidirectionally (or broadcasted) for a specified number of times or more. It is preferable that the franchise point device 150 repeatedly sends and receives and recognizes it effectively. The device of the merchant receives the Bluetooth signal at a predetermined signal intensity or more (for example, a signal intensity detected when the Bluetooth signal transmitted at the signal intensity designated through the Bluetooth section 235 of the user wireless terminal 200 is received within a specified distance) (Selectively) a blue pitcher signal to recognize result information contained in the Bluetooth signal.

Meanwhile, the result transmitter 290 may dynamically generate an authenticable one-off code through the merchant point device 150 and / or may generate a hash authentication code that hashes one or more specified information included in the result information, (Or broadcast) the generated authentication information through the Bluetooth signal after incorporating the generated authentication information into the result information, and thus the present invention is not limited thereto.

The Bluetooth module 160 of the merchant point device 150 receives the Bluetooth signal transmitted through the Bluetooth unit 235 of the user wireless terminal 200 and recognizes the result information included in the received Bluetooth signal. The merchant point device 150 (or the Bluetooth module 160) confirms authentication information such as a disposable code or a hash authentication code included in the recognized result information, authenticates the validity of the confirmed authentication information, Verifies the validity of the transaction results contained in the information. That is, if the merchant device 150 does not intervene in the procedure of performing the financial transaction corresponding to the transaction result included in the result information but authenticates the authentication information included in the result information and succeeds in authentication, The included transaction results can be recognized as a transaction result of a financial transaction that has been independently validated through a reverse path without its involvement.

When the validity of the transaction result included in the result information is authenticated through the authentication information, the merchant point device 150 displays one or more display units 165 (for example, a merchant point display unit 165 and the user-side display unit 165).

According to the embodiment of the present invention, the user-side display unit 165 of the merchant point device 150 can display the user's direction toward the user so that the user can visually see the display unit 165 provided in the merchant point device 150 And a display unit 165 capable of being directed toward the user. For example, when the merchant device 150 is manufactured in the form of a payment device for an affiliate shop, the payment device for the affiliate shop may include a merchant store side display 165 facing the merchant store (or employee) And a user-side display unit 165 facing the display unit. Or when the merchant's device 150 is a merchant's primary wireless terminal or an affiliated merchant's primary wireless terminal, when the merchant's mainstay (or employee) turns the wireless terminal in a direction that the user can visually recognize in the direction of the touch screen, The touch screen of the terminal can perform the function of the user-side display unit 165. Or the merchant terminal 150 is a combination of the merchant terminal and the merchant's wireless terminal (or the merchant's main wireless terminal), the display 165 of the merchant terminal performs the function of the merchant-side display 165 , The touch screen of the wireless terminal in cooperation with the merchant terminal can perform the function of the user side display unit 165. [ That is, in the present invention, the user-side display unit 165 refers to a display unit 165 that a user can visually recognize from the display unit 165 of the merchant point device 150, Devices.

According to the embodiment of the present invention, the result information uniquely identifies the transaction result of the financial transaction independently processed through the reverse path in the app 255 of the user wireless terminal 200 without involvement of the merchant device 150 In this case, the merchant point device 150 transmits the reverse identification code to the application 255 of the user wireless terminal 200 through a separate communication path using the transaction identification code included in the result information. , It is possible to post-inquire the transaction result of the financial transaction independently processed or to post-test the transaction effectiveness of the financial transaction.

FIG. 3 is a diagram illustrating an information registration process according to an embodiment of the present invention.

More specifically, FIG. 3 illustrates an embodiment of registering financial information of an affiliate store and financial information of a user for reverse stand-alone settlement, and if the person skilled in the art is familiar with the present invention, It will be understood by those skilled in the art that various other embodiments may be devised by those skilled in the art to which the present invention is directed, And the technical characteristics thereof are not limited only by the method shown in FIG.

Referring to FIG. 3 according to an exemplary embodiment of the present invention, when a registration request is made for the code information to be encoded in the encoding information provided by the NFC and the financial information of the merchant at the merchant device 150 provided at the merchant's terminal ), The operation server 100 maps the financial information and the code information of the franchisee and registers and stores the mapped information in a designated storage medium (305).

Referring to FIG. 3 according to another embodiment of the present invention, when an operation terminal requests registration of address information to be encoded in the encoding information provided through the NFC and financial information of the merchant in the merchant device 150 provided at the merchant (310), the operation server (100) registers and stores the financial information of the merchant at a storage location corresponding to the address information (305).

Referring to FIG. 3 according to another embodiment of the present invention, an application 255 of a user wireless terminal 200 requests registration of a user's financial information (320) according to a first information registration embodiment of the present invention, (At least one identifier among a user identifier, a terminal identifier, and a unique identifier) according to one or more of the second to fifth information registration embodiments of the present invention, 100 registers and stores the user's financial information in a designated storage medium (325), maps and stores the requested identity with the user's financial information (325).

FIG. 4 is a diagram illustrating a process of recognizing an affiliated merchant's financial information or requesting a reverse transaction according to the first embodiment of the present invention.

4 is a flowchart illustrating a process of recognizing the financial information and the amount information of the merchant when the financial information and the amount information of the merchant are directly encoded in the encoding information provided by the merchant device 150 through the NFC, 150 of the present invention, the transaction request is made using the financial information of the merchant through a reverse path that does not intervene. Referring to FIG. 4 and / or FIG. (For example, some steps may be omitted or an order change may be performed) for the process of recognizing the merchant's financial information or requesting the reverse transaction. However, the present invention is not limited to the above- And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 4, the merchant point device 150 confirms 400 that an NFC interface is formed with the user wireless terminal 200 in close proximity via the NFC module 155. If the NFC interface with the user wireless terminal 200 in proximity is formed, the merchant point device 150 provides encoding information obtained by encoding the financial information of the merchant through the NFC interface (405) The app 255 of the mobile terminal 200 receives the encoding information through the NFC interface formed through the NFC unit 240 and reads the encoding information to recognize recognition information including financial information of the merchant 415), the validity of the recognition information is authenticated (415) based on the authentication value included in the recognition information, and the financial information of the merchant included in the recognition information is confirmed (420).

If the financial information of the merchant is confirmed, the app 255 of the user wireless terminal 200 confirms the amount information included in the recognition information (425).

If the financial information and the amount information of the merchant are confirmed, the app 255 of the user wireless terminal 200 confirms the financial information of the user (for example, receives input from the user, (Or at least one of a user identifier, a terminal identifier, and a unique identifier) mapped to the user's financial information (430), and checks (430) the user's financial information The transaction information requesting the financial transaction for settlement of the merchant through the designated financial server 170 including the financial information of the recognized merchant and the money information, (440), the operation server (100) transmits the configured transaction information through a reverse path through which the financial institution It receives transaction information for below 445.

5 is a diagram illustrating a process of recognizing an affiliated merchant's financial information and requesting an inverse transaction according to a second embodiment of the present invention.

More specifically, FIG. 5 illustrates code information mapped to financial information of an affiliate shop in encoding information provided by NFC at the merchant point device 150, and when the money code mapped with money information is encoded, The financial information of the merchant is confirmed, the amount information is confirmed through the money code, and the transaction is requested using the financial information of the merchant through the reverse path that the merchant device 150 does not intervene. Those skilled in the art will be able to refer to and / or modify the FIG. 5 to understand various ways of implementing the merchant's financial information recognition or reverse transaction request process (e.g., some steps may be omitted, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. , But the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 5, the merchant point device 150 determines / inputs money amount information and registers it in the designated operating server 100, and the money amount information is registered in association with the specified money amount code (500). The merchant point device 150 confirms 505 whether the NFC interface is formed with the user wireless terminal 200 in close proximity via the NFC module 155. [ If the NFC interface with the user wireless terminal 200 in proximity is formed, the NFC module 155 of the merchant point device 150 codes the code information mapped with the financial information of the merchant through the NFC interface, And provides encoded information obtained by encoding the amount code associated with the encoded information (510). The application 255 of the user wireless terminal 200 receives the encoding information through the NFC interface formed through the NFC unit 240 in step 515 and reads the encoding information to generate recognition information including the code information (520), and validates the validity of the recognition information through the authentication value included in the recognition information according to the execution method (520). The application 255 of the user wireless terminal 200 requests the financial information of the merchant to the designated operating server 100 through the code information included in the identification information 525, The mobile terminal 200 checks the financial information of the registered merchant that is mapped with the code information through the process of FIG. 3 and provides the same to the app 255 of the user wireless terminal 200 Confirms the financial information of the merchant (525).

If the financial information of the merchant is confirmed, the app 255 of the user wireless terminal 200 transmits the amount information registered in the merchant device 150 to the operation server 100 designated through the money code included in the recognition information The operation server 100 confirms the amount information registered in association with the money code through the merchant device 150 and provides the same to the app 255 of the user wireless terminal 200 in operation 540, , The app 255 of the user wireless terminal 200 confirms the amount information (535).

If the financial information and the amount information of the merchant are confirmed, the app 255 of the user wireless terminal 200 confirms the financial information of the user (for example, receives input from the user, (For example, at least one of a user identifier, a terminal identifier, and a unique identifier) mapped to the user's financial information (step 545), and the user's financial information The financial information of the recognized franchisee, and the amount information of the franchisee, and transmits the transaction information requesting the financial transaction for payment of the franchisee through the designated financial server 170 (550) (555), the operating server (100) transmits the transaction information through the reverse path, It receives transaction information for future 560. The

FIG. 6 is a diagram illustrating a process of requesting the merchant's financial information recognition and the reverse transaction according to the third embodiment of the present invention.

FIG. 6 is a flowchart illustrating the operation of the merchant device 150 in the case where the address information on the network storing the financial information of the merchant is stored in the encoding information provided through the NFC and the address information in which the amount information is stored. The financial information and the amount information, and then requests a transaction using the financial information of the merchant through the reverse path that the merchant point device 150 does not intervene. It is possible to refer to and / or modify the FIG. 6 to infer various implementation methods (for example, omitting some steps or changing the order) for recognizing the merchant's financial information or requesting the reverse transaction It should be noted that the present invention includes all of the above-described embodiments, Only not exclusively those technical features.

Referring to FIG. 6, the merchant point device 150 determines / inputs money amount information and stores the money amount information in designated address information (600). The merchant point device 150 confirms whether an NFC interface is formed with the user wireless terminal 200 at a close distance through the NFC module 155 (605). If the NFC interface with the user wireless terminal 200 in proximity is formed, the NFC module 155 of the merchant point device 150 transmits the address information stored in the financial information of the merchant through the NFC interface and the address And provides encoding information obtained by encoding the information (610). The application 255 of the user wireless terminal 200 receives the encoding information through the NFC interface formed through the NFC unit 240 in step 615 and reads the encoding information to generate recognition information including the address information (620), and validates the validity of the recognition information based on the authentication value included in the recognition information according to the execution method (620). The application 255 of the user wireless terminal 200 requests the financial information of the merchant stored in the address information included in the identification information at step 625 and the operation server 100 transmits the address The application 255 of the user wireless terminal 200 provides the financial information of the merchant store stored in the storage location corresponding to the information to the app 255 of the user wireless terminal 200, (625).

If the financial information of the merchant is confirmed, the app 255 of the user wireless terminal 200 requests the amount information stored in the address information included in the identification information (635), and the operation server (100) (640) of the user wireless terminal (200) to the app store (255) of the user wireless terminal (200) through the merchant point device (150) Confirms the amount information (635).

If the financial information and the amount information of the merchant are confirmed, the app 255 of the user wireless terminal 200 confirms the financial information of the user (for example, receives input from the user, (At least one of a user identifier, a terminal identifier, and a unique identifier) mapped to the user's financial information (for example, at least one of the user identifier, the terminal identifier, and the unique identifier) (650) the transaction information requesting the financial transaction for settlement of the merchant through the designated financial server (170) including the recognized financial information of the merchant and the money information, (655), the operation server (100) transmits the transaction information through the reverse path to the financial institution It receives transaction information for future 660. The

FIG. 7 is a diagram illustrating a process of processing a financial transaction for reverse independent settlement according to an embodiment of the present invention.

More specifically, FIG. 7 illustrates an embodiment in which the financial transaction requested in reverse through the application 255 of the user wireless terminal 200 is processed as a stand-alone type without intervention of the merchant point device 150 for payment of the merchant payment. Those skilled in the art will be able to refer to and / or modify the FIG. 7 to understand the various ways of implementing the financial transaction process (e.g., some steps are omitted or the order is changed) However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited by the method shown in FIG.

Referring to FIG. 7, when transaction information for merchant payment is received from the application 255 of the user wireless terminal 200 through a reverse path, the operation server 100 confirms the financial information of the user included in the transaction information (700), or checking the financial information of the user stored in the storage medium designated by the identifier included in the transaction information (700), checking the user's financial information including the financial information of the user, financial information of the merchant, Transmits the transaction information to the designated financial server 170, and requests the financial transaction for the merchant payment (705).

The financial server 170 receives the transaction information for the financial transaction from the operation server 100, processes 710 a financial transaction corresponding to the transaction information according to a designated transaction procedure, The transaction result of the financial transaction processed through the information is generated (720), and the result information including the generated transaction result is generated (725). Meanwhile, the financial server 170 generates authentication information (for example, a disposable code and / or a hash authentication code) to be authenticated through the merchant device 150 according to an embodiment of the present invention (720) (725). The financial server 170 transmits the generated result information to the operation server 100 in operation 730 and the operation server 100 receives the result information of the financial transaction from the financial server 170 ).

The operation server 100 includes a transaction result of the financial transaction and includes authentication information to be generated at the financial server 170 and / or generated at the operation server 100 and authenticated through the merchant device 150 The application 255 of the user wireless terminal 200 transmits the result information to the application 255 of the user wireless terminal 200 and transmits the transaction result of the financial transaction and the authentication information (745), and the transaction result of the received result information may be output (750).

FIG. 8 is a diagram illustrating a process of transmitting result information of a reverse independent settlement according to an embodiment of the present invention.

More specifically, FIG. 8 illustrates an embodiment in which the result information of a financial transaction, which is processed in a stand-alone manner through a reverse path without involvement of the merchant point device 150, is transmitted to the merchant point device 150, It is possible to refer to and / or modify the FIG. 8 to infer the various methods of delivering the result information (e.g., omitting some steps or changing the order) However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 8, the application 255 of the user wireless terminal 200 receiving the result information of the financial transaction designated via the reverse path transmits the Bluetooth signal transmitted (or broadcast) unidirectionally via the Bluetooth unit 235 to the financial (800), and processes the Bluetooth signal including the result information so as to be unidirectionally transmitted (or broadcasted) more than the designated number of times by the designated signal strength (805 ).

The merchant point device 150 receives the Bluetooth signal having the specified signal intensity including the result information in a unidirection (810), and performs a procedure of recognizing the result information included in the received Bluetooth signal (815). If the result information included in the Bluetooth signal is recognized, the merchant point device 150 performs a procedure for authenticating the validity of the authentication information included in the result information (820). If the validity of the authentication information included in the result information is not authenticated, the merchant point device 150 outputs an authentication error of the result information through the display unit 165 (at the merchant point) (825). If the validity of the authentication information included in the result information is authenticated, the franchise point device 150 transmits the authentication information to the franchise point device 150 through one or more display units 165 provided in the franchise point device 150 without directly intervening the franchise point device 150 And displays the transaction result of the financial transaction performed independently via the reverse path (830). According to the present invention, when the transaction result of the financial transaction is displayed through the display unit 165 as a result of authenticating the authentication information included in the result information at the merchant point device 150, The financial transaction that has been made in the past is actually effective.

100: operating server 105: information manager
110: information storage unit 115: information providing unit
120: Information receiving unit 125: Transaction processing unit
130: Result Offering 150: Merchant point device
155: NFC module 160: Bluetooth module
165: display unit 170: financial server
200: wireless terminal 205:
210: screen output unit 215: user input unit
220: sound wave output unit 225: sound wave input unit
230: camera unit 235: Bluetooth unit
240: NFC section 245a: Local network communication section
245b: wireless network communication unit 250: memory unit
255: App 260: Information register
265: Information recognition unit 270: Amount confirmation unit
275: Information constructing unit 280: Transaction requesting unit
285: Result receiving unit 290: Result transmitting unit

Claims (28)

A method of executing via an app of a user wireless terminal having an NFC (Near Field Communication) unit and a Bluetooth unit,
A first step of confirming financial information of the franchisee based on the recognition information, which is interfaced with the NFC module of the merchant point device provided at the offline merchant through the NFC unit, and confirming the amount information transmitted from the franchisee device;
A second step of transmitting transaction information including financial information of the franchisee and amount information transmitted from the merchant pointing device to a designated financial server through a designated path and requesting a financial transaction to be performed according to a designated transaction procedure;
A third step of receiving result information including a transaction result of the financial transaction through a designated path; And
And a fourth step of including the result information in a Bluetooth signal that can be received by the merchant device through the Bluetooth unit,
The result information is transmitted to the affiliate store device located near the user wireless terminal through the Bluetooth signal,
Wherein the transaction result is displayed through one or more display units provided in the merchant point device.
The method according to claim 1,
After installing the app in the user wireless terminal,
An input step of receiving financial information of a user to be used in a transaction from a user; And
Further comprising: a registration step of transmitting the input financial information of the user to a designated operating server and registering the input financial information in a designated storage medium.
3. The method of claim 2,
Wherein the step of inputting further includes the step of receiving user information identifying the user,
Wherein the registering step further comprises the step of transmitting the input user information to the operation server and processing to register the user information with the financial information of the user.
3. The method of claim 2,
Wherein the input step further comprises the step of receiving or extracting wireless terminal information identifying the wireless terminal from a designated medium,
Wherein the step of registering further comprises transmitting the input or extracted wireless terminal information to the operating server to process the input or extracted wireless terminal information to be mapped and registered with the user's financial information.
3. The method according to claim 2,
Further comprising the step of transmitting a unique identifier for uniquely identifying an app of the user wireless terminal to the operating server and mapping and registering the user's financial information.
3. The method according to claim 2,
Further comprising the step of transmitting a unique identifier, which is separately allocated after the application is installed in the user wireless terminal, to the operation server and mapping the user identifier to the financial information of the user.
The method according to claim 1,
Financial account information for the merchant bank account opened in the name of the merchant,
Virtual account information on the virtual account linked to the merchant's financial account,
Identification code information assigned to identify the franchisee financial account through a designated financial system,
Financial account information for the merchant main financial account opened as the merchant's main account name of the merchant,
Virtual account information on the virtual account linked to the merchant main financial account,
And identification code information allocated to identify the merchant main financial account through the designated financial system.
2. The method according to claim 1,
Recognizing recognition information including financial information of the franchisee by interfacing with the NFC module of the merchant point device through the NFC unit; And
And confirming the financial information of the merchant included in the recognition information.
2. The method according to claim 1,
Recognizing recognition information including unique code information of a designated code system mapped with financial information of the merchant through an interface with the NFC module of the merchant point through the NFC unit;
And transmitting the code information to a designated operating server and receiving financial information of the merchant registered in association with the code information.
10. The method according to claim 9,
And is also associated with the amount information registered in the designated operating server through the merchant point device.
2. The method according to claim 1,
Recognizing recognition information including address information of a designated address system storing the financial information of the merchant by interfacing with the NFC module of the merchant device through the NFC unit;
And accessing the server corresponding to the address information and receiving the financial information of the merchant.
12. The method of claim 11,
And an address of the money amount information registered through the merchant point device is also included.
The method according to claim 8, 9 or 11,
And confirming the amount information included in the recognized recognition information.
The method according to claim 8, 9 or 11,
Confirming the money code associated with the money amount information registered in the operating server designated through the merchant point device from the recognition information, and receiving the money amount information associated with the money amount code by transmitting the confirmed money amount code to the operating server Further comprising the steps of:
The method according to claim 8, 9 or 11,
Further comprising checking the address information storing the amount information registered through the merchant point device from the recognition information and receiving the registered amount information using the confirmed address information. Way.
The method according to claim 1,
The first step may further include receiving financial information of a user to be used for a transaction,
Wherein the transaction information further includes financial information of the user.
The method according to claim 1,
The first step may further include checking and outputting financial information of a user who is previously registered and stored,
Wherein the transaction information further includes financial information of the user.
The method according to claim 1,
The first step may further include checking an identifier mapped to financial information of a user registered in a designated storage medium,
Wherein the transaction information further comprises the identifier.
The method according to claim 1,
And a transaction in which the amount corresponding to the amount information is transferred or deposited to an account corresponding to the financial information of the merchant.
2. The method of claim 1,
And a transaction identification code uniquely assigned to the user wireless terminal so as to identify the financial transaction initiated by interfacing with the NFC module of the merchant point device through the NFC unit at a specific point in time.
21. The method of claim 20,
Wherein the transaction is used for post-inquiry or verification of the transaction result of the financial transaction at the merchant point device.
The method according to claim 1,
Wherein the result information further includes authentication information for authenticating the validity of a transaction result of the financial transaction through the merchant point device,
Wherein the authentication information is transmitted to the merchant device and authenticated.
23. The method according to claim 22,
And a disposable code dynamically generated by the financial server so as to be authentic through the merchant point device.
23. The method according to claim 22,
And a disposable code dynamically generated by the operating server on the designated route so as to be authentic through the merchant point device.
23. The method according to claim 22,
And a disposable code dynamically generated by the user wireless terminal so as to be authentic through the merchant point device.
23. The method according to claim 22,
And a hash verification code generated by hashing at least one specified information included in the result information in the financial server.
23. The method according to claim 22,
And a hash verification code generated by hashing one or more specified information included in the result information by the operation server on the designated path.
23. The method according to claim 22,
And a hash authentication code generated by hashing the at least one specified information included in the result information at the user wireless terminal.

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