KR20190141409A - Mobile coupon payment relay validation system and method in on-line and off-line - Google Patents

Abstract

Provided in the present invention are a system for verifying mobile coupon payment mediation for online and offline and a method thereof, which can verify when a coupon payment request is generated online and offline and can request coupon payment. To this end, the system comprises: a user terminal unit; a payment agent unit; and a payment verification mediation unit.

Description

Mobile coupon payment relay verification system and method for both online and offline {MOBILE COUPON PAYMENT RELAY VALIDATION SYSTEM AND METHOD IN ON-LINE AND OFF-LINE}

The present invention relates to a coupon payment system and method, and more particularly, to verify the coupon payment generated between the user terminal and the coupon payment agency on / offline when the coupon payment request occurs on / offline through the user terminal. The present invention relates to an online / offline combined mobile coupon payment relay verification system and method for requesting payment of a coupon to a coupon payment agency by determining that a user's final approval for payment of a coupon has been performed.

Due to the rapid development of Internet technology based on wired and wireless communication, it is now impossible to think of a world without the Internet and mobile smart devices.

In order to receive various services provided on the Internet, a member must be registered as a member of a web server provided by a contents provider (CP). Hereinafter, a system for providing a corresponding service including the web server is referred to as a "service server unit". In order to prevent the leakage of member information input during membership registration and the use of services by third parties, ID and password should be registered or an authorized certificate should be issued and stored in the storage device.

In addition, due to the development of Internet technology, electronic commerce is being activated online, various coupon payments are made online through activation of electronic commerce, and various user authentication methods are applied to securely perform electronic payment according to electronic commerce. It is becoming. Such user recognition methods are also mainly used for knowledge-based authentication methods such as ID and password, and public certificates, One Time Password (OTP), tokens, mobile authentication, ARS authentication, and the like are applied.

However, the ID password method recommends that users use different IDs and passwords for each of a number of service server units to increase security, and users also apply several passwords. However, if you do not frequently use any service server part, you do not remember the ID and password, there is an inconvenience to go through a cumbersome procedure, such as find the ID / password, and if you use the same ID and password to solve this problem, one ID and There was a problem that the damage caused by the password can be increased, there is a problem that can be a hacking target by storing the ID and password in each service server.

Therefore, an object of the present invention is to verify the coupon payment generated between the user terminal and the coupon payment agency on / offline when the coupon payment request occurs on / offline through the user terminal to verify the coupon payment upon successful verification It is to provide a mobile coupon payment relay verification system and method for both online and offline to determine the final approval of the user for the coupon payment agency coupon payment agency.

The problems of the present invention are not limited to those mentioned above, and other problems not mentioned will be clearly understood by those skilled in the art from the following description.

According to an aspect of the present invention for achieving the object of the present invention, receiving and displaying the coupon payment history information including the transaction history information, the first security key and the second security key according to the coupon payment request, payment means Acquiring information, generating a verification key by the first security key and the second security key, and generating and transmitting security information including the payment means information, the transaction history information, and the verification key. ; When a coupon payment request for any user is generated, a payment authentication request signal including transaction history information is transmitted, a security authentication information is received, and a payment received by a hash included in the security authentication information when the coupon payment request is generated. A payment agent for verifying the means information, the transaction information, and the first security key in advance, and performing a coupon payment process corresponding to the payment means information when the verification is successful; And acquiring a first security key and a second security key for the payment request upon receiving the payment authentication request signal from the payment agent, and the coupon payment history information including the first security key and the second security key. Is transmitted to the user terminal unit, and in response thereto detects the transaction history information and the verification key from the security information received from the user terminal unit, and generates a comparison verification key by using the obtained first security key and second security key After the verification is performed by comparing the detected transaction history information and the verification key with the transaction history information and the comparison verification key received from the payment agent, respectively, and when the verification is successful, the transaction history information, the payment means information, and the first While generating a hash for a security key, including in the security authentication information of the mobile coupon payment combined with the online / offline including a payment authentication relay provided to the payment agency It can provide a proven system.

According to an aspect of the present invention for achieving the object of the present invention, when the payment agent generates a coupon payment request for any user, the payment agent provides a payment authentication request signal including transaction details information to the payment authentication relay unit; Payment authentication relay request step; When the payment authentication relay unit receives the payment authentication request signal, the payment authentication relay unit obtains a first security key and a second security key for the payment request, and includes the first security key and the second security key in coupon payment history information. Coupon payment history user confirmation request step sent to the terminal; The user terminal receives and displays the coupon payment history information, obtains payment means information by the user, generates a verification key based on the first security key and the second security key, and then the payment means information and the transaction history information. Generating a security information including the verification key and transmitting the payment details to the payment authentication relay; And the payment authentication relay unit detects the transaction history information and the verification key from the security information, generates a comparison verification key using the first security key and the second security key, and then detects the transaction history information and the payment agent. Compare the transaction history information received from the unit, and each of the detected verification key and the generated comparison verification key to perform verification by generating a hash for the first security key when the verification is successful, and includes the coupon in the security authentication information. It is possible to provide an on / offline combined mobile coupon payment relay verification method including a coupon payment progress request step provided to a payment agent.

The present invention can provide a clear and transparent mobile coupon payment means secured because the verification is performed by relaying the verification of the coupon payment generated on / offline between the user terminal and the coupon payment agency.

In addition, the present invention can perform a secure mobile coupon payment verification in conjunction with the online payment gateway (PG) online, and to perform a secure mobile coupon payment verification in conjunction with the VAN linked to the payment process even if not directly linked to the PG. Payment verification can be dualized to improve security.

In addition, the present invention, even in the case of offline, the verification of the coupon payment between the user terminal and the VAN to perform the verification, but can be applied in the same way as the online payment verification means online coupons for mobile coupons It is possible to provide a convenient relay means capable of payment verification.

In addition, the present invention can increase the security because the verification information and the coupon payment authentication information to be provided to the coupon payment agency to provide to the user terminal unit to verify and transmit with different security keys.

The effects of the present invention are not limited to those mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the following description.

1 is a view showing a schematic configuration of an on / offline combined mobile coupon payment relay verification system according to the present invention.
2 is a view showing a detailed configuration of the on-line mobile coupon payment relay verification system according to a first embodiment of the present invention.
3 is a diagram illustrating a detailed configuration of an online mobile coupon payment relay verification system according to a second embodiment of the present invention.
4 is a diagram showing the detailed configuration of the offline mobile coupon payment relay verification system according to a third embodiment of the present invention.
5 is a view showing a detailed configuration of the payment authentication relay of the on / offline combined mobile coupon payment relay verification system according to the present invention.
6 is a flowchart illustrating a coupon payment relay verification method in a payment authentication relay unit of an on / offline combined mobile coupon payment relay verification system according to the present invention.
7 is a flowchart illustrating a verification method according to an embodiment of an on / offline combined mobile coupon payment relay verification method according to the present invention.
8 is a flowchart illustrating a method for generating coupon payment history information according to an embodiment of an on / offline combined mobile coupon payment relay verification method according to the present invention.

Description of the present invention is only an embodiment for structural or functional description, the scope of the present invention should not be construed as limited by the embodiments described in the text. That is, since the embodiments may be variously modified and may have various forms, the scope of the present invention should be understood to include equivalents capable of realizing the technical idea. In addition, the objects or effects presented in the present invention does not mean that a specific embodiment should include all or only such effects, the scope of the present invention should not be understood as being limited thereby.

On the other hand, the meaning of the terms described in the present application should be understood as follows.

Terms such as "first" and "second" are intended to distinguish one component from another component, and the scope of rights should not be limited by these terms. For example, the first component may be named a second component, and similarly, the second component may also be named a first component.

When a component is referred to as being "connected" to another component, it should be understood that there may be other components in between, although it may be directly connected to the other component. On the other hand, when a component is referred to as being "directly connected" to another component, it should be understood that there is no other component in between. On the other hand, other expressions describing the relationship between the components, such as "between" and "immediately between" or "neighboring to" and "directly neighboring to", should be interpreted as well.

Singular expressions should be understood to include plural expressions unless the context clearly indicates otherwise, and terms such as "comprise" or "have" refer to a feature, number, step, operation, component, part, or feature that is implemented. It is to be understood that the combination is intended to be present and does not exclude in advance the possibility of the presence or addition of one or more other features or numbers, steps, operations, components, parts or combinations thereof.

In each step, an identification code (e.g., a, b, c, etc.) is used for convenience of description, and the identification code does not describe the order of the steps, and each step clearly indicates a specific order in context. Unless stated otherwise, they may occur out of the order noted. That is, each step may occur in the same order as specified, may be performed substantially simultaneously, or may be performed in the reverse order.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. Generally, the terms defined in the dictionary used are to be interpreted to coincide with the meanings in the context of the related art, and should not be interpreted as having ideal or excessively formal meanings unless clearly defined in the present application.

Hereinafter, a configuration and operation of an on / offline combined mobile coupon payment relay verification system according to the present invention will be described with reference to the accompanying drawings, and a coupon payment relay verification method in the system will be described.

1 is a view showing a schematic configuration of an on-offline combined mobile coupon payment relay verification system according to the present invention, Figure 2 shows a detailed configuration of the on-line mobile coupon payment relay verification system according to a first embodiment of the present invention 3 is a view showing a detailed configuration of the online coupon payment relay verification system according to a second embodiment of the present invention, Figure 4 is a detail of the offline mobile coupon payment relay verification system according to a third embodiment of the present invention It is a figure which shows a structure. A description with reference to FIGS. 1 to 4 is as follows.

The on-offline combined mobile coupon payment relay verification system according to the present invention includes a user terminal 100, payment authentication relay unit 200 and coupon payment agent 300.

Although not illustrated in FIG. 1, the user terminal unit 100, the payment authentication relay unit 200, and the coupon payment agent unit 300 may be connected to each other through a wired or wireless data communication network to perform mutual data communication. The wired / wireless data communication network is a network in which an internet network including a Wi-Fi network and a mobile communication network including a 3G (Generation) network and a 4G (4 Generation = Long Term Evolution) network are combined.

The user terminal unit 100 may be configured as one or two of the computer terminal 10, the mobile communication terminal 20, and the coupon payment terminal 30 according to the first to third embodiments. May be a laptop, a personal computer, a desktop computer, a tablet PC, and the like, and the mobile communication terminal 20 may be a mobile phone, a mobile phone, a smartphone, a smart pad, or the like.

The coupon payment terminal 30 may be a POS terminal and a card payment terminal. A coupon payment terminal pad (not shown), which is an additional pad device that provides an input / output function of data and image information such as a QR code, may be used. It may be included.

When the user requests a payment through an offline POS terminal or a card payment terminal or a coupon payment request online, the user terminal unit 100 receives transaction history information and first security from the payment authentication relay unit 200. The coupon payment history information including the key P and the second security key Q is received, and the transaction history information is displayed. The transaction history information may include a trade name, a store name (or a company name), a purchase amount, and the like.

1, when the user requests online payment through the computer terminal 10 as in the first and second embodiments of FIG. 1, the user terminal unit 100 connects the computer terminal 10 and the mobile communication terminal 20 to each other. It will be configured to include. At this time, the computer terminal 10 receives the coupon payment history information from the payment authentication relay unit 200 in the form of a QR code and the like to display the transaction history information included in the coupon payment history information, the mobile communication terminal 20 The first security key (P) and the second security key (Q) will be obtained from the coupon payment history information displayed on the computer terminal (10).

In addition, as shown in the third embodiment of FIG. 4, when the user requests a payment through a coupon payment terminal 30 such as an offline POS or a card payment terminal, the user terminal unit 100 may include a coupon payment terminal 30 and It will be configured to include a mobile communication terminal 20. At this time, the coupon payment history information converted into a QR code form is output through the output means (not shown-coupon payment terminal pad, etc.) of the coupon payment terminal 30, the mobile communication terminal 20 is the coupon payment terminal 30 The first security key (P) and the second security key (Q) will be obtained by scanning the QR code displayed on the output means.

Coupon payment agency 300 is a payment gateway (PG) system (hereinafter referred to as "PG system") and Value Added Network (VAN) as shown in Figures 2 to 4 It may be configured as one or more of the system (hereinafter referred to as "VAN system").

Coupon payment agency 300 is a payment request signal including transaction details from the service server unit and offline coupon payment terminal 30, such as a web server and shopping application server of the online shopping mall website where a payment request from the user occurs When received, transmits a coupon authentication request signal including transaction history information, session identification information (session ID) and first security key (P) for the user terminal 100 to the payment authentication relay unit 200, and In response to receiving the security authentication information, the authentication is performed using the hash included in the security authentication information and the first security key P used to calculate the hash. The agency pays for the coupon through the financial company 400 corresponding to the known coupon payment means.

In addition, the coupon payment agent 300 provides the approval history and electronic receipt to the payment authentication relay unit 200 upon completion of the coupon payment agent.

The payment authentication relay unit 200 relays the authentication and coupon payment verification by the user of the mobile communication terminal between the user and the coupon payment agent 300 for the on / offline combined mobile payment request generated by the user.

Specifically, the payment authentication relay unit 200 obtains a first security key P for the coupon request upon receiving the coupon authentication request signal from the coupon payment agent 300, and uses the coupon payment history information. The transaction history information and the verification key (V) are detected from the security coupon payment means information received from the user terminal unit 100 in response to the transmission to the terminal unit 100, and the obtained first security key (P). After generating the comparison verification key (V ') by using the generated and stored second security key (Q), the detected transaction history information and verification key (V) and transaction history information received from the coupon payment agency And compare and verify the comparison verification key (V '), and generate a hash for the transaction history information, payment method information, and the first security key (P) when verification is successful, and include it in the security authentication information. Provided to the coupon payment agency 300.

Detailed configuration and operation of the payment authentication relay unit 200 will be described with reference to FIG. 5.

5 is a view showing a detailed configuration of the payment authentication relay unit of the coupon payment relay verification system according to the present invention.

Referring to FIG. 5, the payment authentication relay unit 200 includes a controller 110 and a database (DB) 180. The DB 180 stores and manages data generated during coupon payment relay authentication by session identification information or user mobile communication terminal identification information (such as a phone number). In addition, when providing a subscriber-based service it may be configured to store for each user input information previously input. The data may be the first security authentication key (P), the second security authentication key (Q), transaction history information, hash, receipt, verification success information, etc., may also include payment means information.

The controller 110 processes the overall operation for verifying on / offline combined mobile coupon payment relay in accordance with the present invention.

Referring to the configuration and operation of the control unit 110 in detail, the control unit 110 includes an interface unit 111, a first security key obtaining unit 120, a transaction information processing unit 130, a second security key generating unit 140, It includes a verification processing unit 150, a receipt providing unit 160, and an information processing unit 170.

The interface unit 111 may include a first interface unit 111-1 that processes transmission and reception signals made with the coupon settlement agent unit 300, and a second interface unit 111-which processes transmission and reception signals made with the user terminal unit 100. It includes 2).

When it is determined that the coupon authentication request signal is received from the coupon payment agent 300 through the first interface 111, the first security key obtaining unit 120 obtains the first security key P. The first security key acquisition unit 120 may detect and obtain the first security key P included in the coupon authentication request signal according to the fourth embodiment of the present invention. 1 It may be obtained by generating a security key (P). In the case of the fifth embodiment, the first security key acquisition unit 120 should provide the generated first security key P to the coupon settlement agent 300 through the first interface 111-1.

The second security key generation unit 140 generates the second security key Q, transmits the security transaction information generation unit 131 to the user terminal unit 100 through the second interface unit 111-2. To be provided. The second security key Q may also be provided and used as the computer terminal 10, but may also be provided to the mobile communication terminal 20 to improve security by dualizing transmission of verification information. In addition, the second security key generation unit 140 has been described in the case of transmitting the generated second security key (Q) in the coupon payment history information through the secure transaction information generation unit 131, but the second security Only the key Q may be configured to be transmitted to the user terminal 100 through the second interface 111-2.

The transaction information processing unit 130 receives payment authentication request information regarding the payment authentication request signal through the first interface 111-1, and includes transaction history information and session identification information (session) included in the payment authentication request information. ID), coupon payment history information including the transaction history information, session identification information (session ID), a first security key (P), and a second security key (Q) is generated to generate a second interface unit 111. Provided to the user terminal 100 through -2).

The transaction information processing unit 130 converts the secure transaction information generation unit 131 for generating the coupon payment history information and the coupon payment history information into one of a QR code, which is a one-dimensional barcode and a two-dimensional barcode, to the user terminal unit 100. It may include a code conversion unit 132 to transmit.

The verification processing unit 150 includes security information, session identification information (session ID), verification key (V), and coupon payment means information from the user terminal 100 through the second interface 111-2. The verification unit 151 receives the coupon payment means information and performs the verification and a hash on the first security key P obtained from the first security key obtaining unit 120 and transaction details and payment means information upon successful verification. And a verification information generation unit 152 for transmitting the security authentication information including the hash and the coupon payment means information to the coupon settlement agent 300. The coupon payment means information may be account information or card information according to a payment type such as card payment and cash transfer. The coupon payment means information may be input directly from the user, in the case of the card information may be obtained by decoding from the contents stored by encrypting the mobile communication terminal, Near field communication of the mobile communication terminal 20 (Near Field Communication) May be acquired from the card via the NFC function.

The verification unit 151 first verifies whether the transaction history information provided to the user terminal unit 100 and the transaction history information received from the user terminal unit 100 match, and identifies the session provided to the user terminal unit 100. Secondly verifying whether the information (session ID) and the session identification information (session ID) received from the user terminal unit 100 match, the fourth embodiment-the first security key (P) and the second security key (Q). The third verification is performed by comparing the comparison verification key (V ′ = PQ) generated by the terminal with the verification key V received from the user terminal unit 100.

The receipt providing unit 160 receives the approval history information and the receipt from the coupon payment agency 300 through the first interface unit 111-1 and stores it in the DB 180 through the information processing unit 170. It is provided to the user terminal unit 100 through the second interface unit 111-2. The approval information and the receipt may be provided to the mobile communication terminal 20 as a mobile communication message and a push message such as a short message service (SMS) message, a long message service (LMS) message and a multimedia message service (MMS) message. It may be provided to the computer terminal 10 and the mobile communication terminal 10 by e-mail.

The information processing unit 170 stores data related to the coupon payment relay authentication according to the present invention, that is, information in the DB 180, loads the requested information, and requests the requested user terminal 100 and the coupon payment agent 300 And one or more administrator computers (not shown).

6 is a flowchart illustrating a method for verifying on / off-line combined mobile coupon payment in the payment authentication relay unit of the coupon payment relay verification system according to the present invention.

Referring to FIG. 6, first, the control unit 110 of the payment authentication relay unit 200 checks whether a coupon authentication request signal is received from the coupon payment agent 300 (S111).

When the coupon authentication request signal is received from the coupon payment agent 300, the controller 110 obtains the first security key P, and generates the second security key Q from the second security key generator 140. Obtained by (S113).

When the first security key (P) and the second security key (Q) is obtained, the control unit 110 is included in the coupon authentication request signal received through the transaction information processing unit 130 and the transaction history information and session identification information (session) ID), coupon payment history information including the first security key (P) and the second security key (Q) is generated (S115).

When the coupon payment history information is generated, the control unit 110 converts the coupon payment history information into a QR code which is a one-dimensional barcode and a two-dimensional barcode through the code conversion unit 132 of the transaction information processor 130 (S117). The transmission to the terminal unit 100 is provided (S119).

After providing the coupon payment history information, the control unit 110 is whether the security coupon payment means information is received from the user terminal 100, for example, the mobile communication terminal 20 (S121), whether the payment rejection response signal is received. Check (S123).

When the payment rejection response signal is received from the mobile communication terminal 20, the controller 110 notifies the coupon payment agent 300 of the verification failure (S137).

On the other hand, when the security coupon payment means information is received, the controller 110 performs security coupon payment verification by transaction history information, session identification information (session ID) and verification key (V) included in the security coupon payment means information and (S125) It is determined whether the result of the verification is successful (S127).

If the verification fails, the control unit 110 will notify the verification failure to the coupon payment agent 300 (S137). On the other hand, if the verification is successful, the control unit 110 generates the security authentication information (S129) and transmits to the coupon payment agent 300 (S131).

The control unit 110 that transmits the security authentication information checks whether the payment completion notification information including the approval details and the receipt according to the execution of the coupon payment is received from the coupon settlement agent 300 (S133).

When the payment completion notification information is received, the control unit 110 stores the DB 180 and provides it to the user terminal unit 100 (S135).

7 is a flowchart illustrating a verification method according to an embodiment of the coupon payment relay verification method according to the present invention. Hereinafter, the verification method of S125 of FIG. 6 will be described in detail with reference to FIG. 7.

The verification unit 151 of the control unit 110 includes transaction details, session identification information (session ID), and verification key (V) when the security coupon payment means information is received through the second interface unit 111-2. Obtain the first verification information (S211-1).

When the first verification information is obtained, the verification unit 151 generates a comparison verification key V ′ by the first security key P and the second security key Q previously generated, and the user terminal. Transaction history information, session identification information (session ID) and the comparison verification key (V) provided to the unit 100 are obtained as second verification information (S211-2).

When the first verification information and the second verification information are obtained, the verification unit 151 performs the first verification by checking whether the transaction history information of the first verification information and the transaction history information of the second verification information coincide (S213).

Upon successful verification using the transaction history information, the verification unit 151 performs second verification by checking whether the session identification information (session ID) of the first verification information and the session identification information (session ID) of the second verification information match. It performs (S215).

Upon success of the second verification, the verification unit 151 performs third verification by checking whether the verification key V of the first verification information and the comparison verification key V 'of the second verification information match. .

If all of the first, second and third verifications are successful, the verification unit 151 determines that the verification is successful (S219). If any one fails, the verification is determined to be verification failure (S221).

8 is a flowchart illustrating a coupon payment history information generating method of the coupon payment relay verification method according to the fifth embodiment of the present invention.

When the coupon authentication request signal is received from the coupon payment agent 300, the controller 110 obtains coupon authentication information included in the coupon authentication request signal (S311).

When the coupon authentication information is obtained, the controller 110 obtains the first security key P through the first security key acquisition unit 120 (S313).

When the first security key P is obtained, the controller 110 generates a second security key Q through the second security key generation unit 140 (S315).

When the second security key Q is generated, the transaction information processor 130 generates coupon payment history information including the first security key P, the second security key Q, and the like (S317).

By doing so, the security between the payment authentication relay unit 200 and the user terminal unit 100 may be further improved.

The embodiments and the accompanying drawings described herein are merely illustrative of some of the technical ideas included in the present invention. Therefore, since the embodiments disclosed herein are not intended to limit the technical spirit of the present invention but to explain, it is obvious that the scope of the technical spirit of the present invention is not limited by these embodiments. Modifications and specific embodiments that can be easily inferred by those skilled in the art within the scope of the technical spirit included in the specification and drawings of the present invention should be construed as being included in the scope of the present invention.

10: computer terminal 20: mobile communication terminal
30: card payment terminal 100: user terminal unit
110: interface unit 111: interface unit
120: first security key acquisition unit
130: transaction information processing unit 131: secure transaction information generation unit
132: code conversion unit 140: second security key generation unit
150: verification processing unit 151: verification unit
152: verification information generation unit 160: receipt providing unit
170: information processing unit 180: database
200: payment verification relay 300: coupon payment agency
310: coupon relay (PG) system
320: Value Added Network Service (VAN) system
400: financial company

Claims (2)

Receive and display coupon payment history information including transaction history information, first security key and second security key according to the coupon payment request, obtain payment means information, and by the first security key and the second security key A user terminal unit for generating a verification key and generating and transmitting security information including the payment means information, the transaction history information, and the verification key;
When a coupon payment request for any user is generated, a payment authentication request signal including transaction history information is transmitted, a security authentication information is received, and a payment received by a hash included in the security authentication information when the coupon payment request is generated. A payment agent for verifying the means information, the transaction history information, and the first security key in advance, and performing a coupon payment process corresponding to the payment means information when the verification is successful; And
Obtaining the first security key and the second security key for the payment request when receiving the payment authentication request signal from the payment agent, and the coupon payment history information including the first security key and the second security key Transmitting the transaction history information and the verification key from the security information received from the user terminal in response thereto, and generating a comparison verification key using the obtained first and second security keys. After the verification is performed by comparing the detected transaction history information and the verification key with the transaction history information and the comparison verification key received from the payment agent, respectively, and when the verification is successful, the transaction history information, the payment means information, and the first security. The payment authentication relay unit generates a hash for a key and includes the security authentication information in the security authentication information.
Mobile coupon payment relay verification system for both on and offline combined.
A payment authentication relay request step of providing, by the payment agent, a payment authentication request signal including payment transaction information to the payment authentication relay unit when the payment agent generates a coupon payment request for any user;
When the payment authentication relay unit receives the payment authentication request signal, the payment authentication relay unit obtains a first security key and a second security key for the payment request, and includes the first security key and the second security key in coupon payment history information. Coupon payment history information user confirmation request step sent to the terminal;
The user terminal receives and displays the coupon payment history information, obtains payment means information by the user, generates a verification key based on the first security key and the second security key, and then the payment means information and the transaction history information. Generating a security information including the verification key and transmitting the payment details to the payment verification relay; And
The payment authentication relay unit detects the transaction history information and the verification key from the security information, generates a comparison verification key using the first security key and the second security key, and then detects the transaction history information and the payment agent. Performs verification by comparing each transaction history information received from the transaction, the detected verification key and the generated comparison verification key, and generates a hash for the first security key when the verification is successful and includes the security verification information in the coupon payment. Coupon payment progress request step provided to the agency
On / Offline combined mobile coupon payment relay verification method comprising a.

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