KR102112355B1 - Sound wave settlement system of non-contact type for inputting settlement money by purchaser terminal, and method for the same - Google Patents

Abstract

The buyer who is the main subject of the payment amount can enter the payment amount through the sound wave payment app (smartphone app) for the buyer installed on the purchaser terminal, thereby clarifying the responsibility for the input error as the purchaser. There is no need for an input tool according to input, for example, a keyboard, etc. Also, it can be used on smartphones of all manufacturers without a credit card terminal, POS, barcode scanner, QR scanner, etc. It is possible to easily process payment and authentication in a short distance contactless manner without activating the setting in advance, and also, as the mobile communication of the sound wave payment service server is performed through the sound wave payment app, which is a smartphone app installed in the buyer terminal, the sound wave payment process In the middle, there is no need to communicate between the seller terminal and the sound wave payment service server. Reducing the number of bus communication server, and this is a contactless payment system and its sonic how to enter your payment amount, the buyer terminal that can reduce the cost of installing intercom communication with the seller's terminal is provided accordingly.

Description

Contactless sound wave payment system and method for purchaser terminal to enter payment amount {SOUND WAVE SETTLEMENT SYSTEM OF NON-CONTACT TYPE FOR INPUTTING SETTLEMENT MONEY BY PURCHASER TERMINAL, AND METHOD FOR THE SAME}

The present invention relates to a non-contact sound wave payment, and more specifically, a buyer terminal that processes payment (hereinafter referred to as "sound wave payment") and authentication using sound waves in a short-range non-contact manner between the buyer terminal and the seller terminal. The present invention relates to a non-contact sound wave payment system for inputting a payment amount and a method therefor.

In general, due to concerns about loss of cash, inconvenience in portability, and computational complexity, modern people mainly use financial cards rather than cash as payments for goods or services. For example, in the case of payments using financial cards, merchants Payment is being made through a POS system installed in

1 is a view showing a payment process through a general POS system.

As shown in FIG. 1, the general POS system 10 is composed of a main body 11 and a card reader 12, and when a buyer requests payment with the financial card 20 from a card merchant who purchases a product, the POS system (10) reads information such as the card type, card number, and expiration date through the card reader 12, and then transmits it to the VAN server 30.

The VAN server 30 inquires whether the card can be approved by the financial server 40, such as a credit card company or a bank, based on the received information, and the financial server 40 queries the card limit, the presence or absence of the transaction, and if there is no abnormality Approve payment via card.

Subsequently, the approval information is transmitted to the POS system 10 through the VAN server 30, and the card transaction statement according to the transaction approval is output and payment is completed by receiving the buyer's signature.

Because of this convenience, the use of cards has increased rapidly, and most modern people have a large number of cards.

In recent years, however, there have been frequent cases of hacking the POS system, which is relatively insecure and can obtain a large amount of card information, or hijacking the financial card information by installing a device that pulls out the card information in front of the card reader of the POS system.

Various mobile payment technologies have been proposed as a method for performing a more convenient financial payment while solving the above-described problems of the POS system. For example, RFID-based financial USIM or Near Field Communication (NFC) payment has been introduced. .

However, payment using RFID-based financial USIM is difficult to expand services due to the capacity limitations of financial USIM, and investment in infrastructure construction is insufficient. In addition, NFC technology is a technology standard that allows wireless devices of a specific frequency to communicate with each other, and is applied to various payment fields such as electronic wallets and transportation cards because it is a two-way wireless communication technology that can read as well as write. In order to apply the payment technology, there is a problem in that it is necessary to provide additional hardware for a separate mobile payment in a communication terminal for each affiliated store, and there is a problem in that a large amount of investment is required.

In addition, electronic payment technology has been proposed to perform payment by realizing a barcode or QR code that replaces card information in a smartphone, etc. In the event that a barcode or QR code for electronic payment is leaked to a third party, serious economic damage Since it is possible to generate a more convenient situation, it is necessary to make a payment method that can enhance security.

Meanwhile, as the spread of smart phones has recently increased, various payment methods using smart phones have been introduced. In the case of Android-based smartphones among smartphones that are widely used in Korea, it is equipped with a module capable of recognizing NFC (Near Field communication), and thus, it is used as a mobile transportation card using NFC or a micro payment method.

2 is a diagram illustrating a contactless payment process using a mobile phone according to the prior art.

As shown in FIG. 2, in the case of a contactless payment process using a mobile phone according to the prior art, in order to perform payment using NFC, when the purchaser terminal 50 is a smartphone with a smartphone app for payment, When a payment is requested to the seller terminal 60 in a non-contact manner, the seller terminal 60 requests payment processing from the payment server 70 through wireless communication. Subsequently, the payment server 70 processes the payment and transmits the payment processing result to the seller terminal 60, wherein the seller terminal 60 transmits the payment processing result to the buyer terminal 50, thereby making payment. Can be done. In addition, the payment server 70 may transmit payment processing and results to the buyer terminal 50.

In order to perform payment using NFC as described above, the smartphone 500 used by the buyer must have an NFC function, and the seller terminal 60 must have a reader capable of reading NFC tags or writing information in NFC. For example, when a reader capable of reading information on an NFC tag is attached to the seller terminal 60, the buyer contacts the smartphone 50 equipped with the NFC tag to the NFC reader of the seller terminal 60 You can purchase products by paying.

However, not all smartphones 50 used by buyers have an NFC function, and there is a problem that a payment method using NFC is not activated because the price of a reader that reads information from an NFC tag is high. Therefore, in order to solve the above-mentioned problems, there is a need for a payment method capable of increasing the penetration rate without having to spend much on the introduction of the payment method.

According to the prior art, as described above, MST (Magnetic Secure Transmission) using magnetic of a credit card, NFC, barcode, QR code, etc. are used as technologies that can be easily paid using a mobile in an offline store or the like. The technologies require a credit card terminal, POS, scanner, or the like, or can be used only in a specific manufacturer terminal. In addition, there has been a inconvenience in that a user has to activate a specific function or the like in advance or take or scan an image in order to use a function of a smartphone.

On the other hand, a technology for processing payment using sound waves has been disclosed to solve the inconvenience of manually entering payment information or using a separate communication device or mode, and accordingly, buyers use mobile phones, etc. that are routinely used without additional terminals. You can use sound wave payment through your mobile terminal.

As a related prior art, Korean Patent Registration No. 10-1707614 discloses an invention entitled “Method for providing mobile payment service using sound wave signal and mobile payment system for realizing the same”. It will be described with reference.

3 is a block diagram of a mobile payment system using a sound wave signal according to the prior art.

Referring to Figure 3, the mobile payment system using a sound wave signal according to the prior art, the mobile terminal 81, the merchant terminal 82, the payment server 83, the authentication server 84 and the payment source server 85 It includes.

The mobile terminal 81 is a mobile communication terminal possessed by a buyer who wants to purchase a product or service, and basically includes a microphone for receiving a sound wave signal and a configuration for extracting information coupled to the sound wave signal, for example, smart Phones, tablets, etc. can be applied. Preferably, the mobile terminal 81 may be equipped with a sound source payment application (app) that extracts information from the sound wave signal and performs a payment process based thereon.

The merchant terminal 82 is a communication device that requests payment approval for a transaction of a product or service, and various devices equipped with basic communication means and sound wave output means may be applied. For example, an application capable of performing a sound wave payment process may be additionally mounted on a POS terminal that is generally distributed to merchants, or a sound wave payment process may be performed on smartphones, tablets, laptops, PCs, etc. owned by a store clerk of a merchant. An application that can be performed may be mounted. The merchant terminal 82 to which various types of communication terminals can be applied outputs a payment sound wave signal for payment of a product, and the purchaser's mobile terminal 81 receives the payment sound wave signal output from the merchant terminal 82. It recognizes and performs the payment verification process of the buyer.

The payment server 83 is a payment service server that performs transactions with financial institutions such as a credit card company or a bank on the Internet, and a VAN server or payment server on an existing card payment system or electronic payment system may be applied as it is.

The authentication server 84 is a device that performs payment authentication for the buyer when payment for a product or service provided to the buyer, and performs transaction authentication of the buyer according to a transaction authentication request for the buyer from the payment server 83. To this end, the authentication server 84 may hold authentication information for payment authentication for the buyer's transaction. In addition, the authentication server 84 may generate a payment code corresponding to the transaction information of the payment server 83 according to a payment approval request from the payment server 83, and the payment code from the mobile terminal 81 of the buyer When requesting transaction information corresponding to the corresponding transaction information can be provided.

The payment sound source server 85 is a device that provides a payment sound wave signal that combines payment request information with a sound wave signal, wherein the payment request information is payment corresponding to transaction information provided by the payment server 83 to the buyer terminal 81 It could be code. In addition, the payment sound source server 85 may generate a payment sound wave signal by holding various sound wave signals and selectively applying sound wave signals suitable for the payment code.

Accordingly, a mobile payment system using a sound wave signal according to the prior art generates and outputs a payment sound wave signal in which a transaction code corresponding to transaction information is combined and output when a product or service is transacted, and is recognized by the mobile terminal possessed by the buyer By doing so, it is possible to extract the transaction code coupled to the payment sound wave signal and perform mobile payment with the purchaser's authentication of the transaction information corresponding to the transaction code.

4 is an operation flow diagram of a mobile payment service providing method using a sound wave signal according to the prior art.

Referring to FIG. 4, in a method of providing a mobile payment service using a sound wave signal according to the related art, first, as a buyer requests a product purchase, the merchant terminal 82 responds to the purchase of the product by the buyer, and deals with payment for the cost Generate information (S11), and request payment approval for the transaction information to the payment server (83) (S12). At this time, the merchant terminal 82 may transmit the transaction information corresponding to the purchaser to the payment server 83 along with the payment approval request. Accordingly, when the payment server 83 is requested to approve payment from the merchant terminal 82, the payment server 83 performs a payment approval process for the corresponding transaction information, wherein the payment method using an existing financial card or It replaces the electronic payment method and performs a mobile payment procedure using a sound wave signal.

Next, the payment server 83 confirms transaction information for which payment approval is requested from the merchant terminal 82 (S13). Here, the transaction information may include information about a product or service requested by the purchaser, cost information, and the like, and the payment server 83 may temporarily store transaction information transmitted from the merchant terminal 82.

Next, the payment server 83 generates a payment code corresponding to the transaction information for which payment approval is requested (S14), and then combines the payment code with the sound wave signal to generate a payment sound wave signal (S15). At this time, the payment code may be an identification code for a location where transaction information is temporarily stored on the payment server 83. In addition, as the sound wave signal, all frequency bands that can be transmitted by combining data can be applied. Preferably, it is preferable to apply a signal in the inaudible frequency band so that the sound wave signal is not felt as a kind of noise or uncomfortable to people. In some cases, melody or music may be applied as a sound wave signal.

Next, the payment server 83 provides the generated payment sound wave signal to the merchant terminal 82 requesting payment approval (S16), and the merchant terminal 82 uses the sound wave output means such as a speaker to pay the sound wave signal. Outputs (S17). Accordingly, a payment sound wave signal output from the merchant terminal 82 is received through the mobile terminal 81 held by the buyer who requested the purchase of the corresponding product or service.

Next, the sound source payment application mounted on the buyer's mobile terminal 81 recognizes the payment sound wave signal output from the merchant terminal 82, extracts the payment code coupled to the payment sound wave signal (S18), and then, The payment code is transmitted to the payment server 83 to request transaction information corresponding to the payment code (S19).

Next, the payment server 83 checks the payment code transmitted from the buyer's mobile terminal 81, extracts the transaction information stored in correspondence with the payment code (S20), and extracts the extracted transaction information to the buyer's mobile terminal ( 81) (S21). At this time, the purchaser's mobile terminal 81 may request identity verification for payment of transaction information.

Next, the buyer checks whether the transaction information provided from the payment server 83 through his mobile terminal 81 is the product or service he / she requested to purchase (S22), and thereafter, pays according to the buyer's identification result It generates an authentication token for and transmits it to the payment server 83 (S23). At this time, the authentication token may include an electronic signature through a personal key or a pin number or a buyer's certificate held in their mobile terminal 81 after the purchaser confirms the transaction information.

Next, the payment server 83, when an authentication token according to the identity verification of the transaction content is received from the buyer's mobile terminal 81, in response to the buyer, checks the authentication token based on the identification information held in advance (S24) ), And then, according to the result, the transaction is made to correspond to the buyer and payment is approved (S25).

Next, through the above process, when the transaction approval for the buyer is completed according to the transaction content corresponding to the purchase request of the product or service, the payment server 83 charges the buyer according to the transaction content, and accordingly Provide payment information according to the merchant terminal 82 (S26). Accordingly, the corresponding product or service is provided to the buyer according to the payment information provided to the merchant terminal 82.

Therefore, according to the mobile payment service system using a sound wave signal according to the prior art and a method for providing the same, the purchaser can perform payment by recognizing the sound wave signal through the mobile terminal without using a financial code such as a financial card, barcode, or QR code. It can prevent accidents where important financial information is hacked or leaked. In particular, there is no need to have separate hardware to build a mobile payment system, and it can be applied to an existing payment system system, and various communication terminals that are generally spread can be applied. It is inexpensive and can provide mobile payment service anytime, anywhere without time and space limitations.

However, in the case of a mobile payment service system using a sound wave signal according to the prior art and a method for providing the same, the merchant terminal 82 should perform wireless communication with the payment server 83, and the mobile terminal 82 may perform an authentication server ( 84), and also, because the merchant terminal 82 generates a payment sound wave signal by inputting a payment amount, etc., the merchant terminal 82 incurs a communication cost and the payment process is complicated. There is this.

Republic of Korea Patent No. 10-1792974 (application date: April 24, 2017), the name of the invention: "mobile payment system that maps the identification information using sound waves and the dynamic code of the buyer" Republic of Korea Patent No. 10-1740402 (application date: January 29, 2016), the name of the invention: "mobile application driving method using a sound wave signal and a mobile application driving system for implementing the same" Republic of Korea Patent No. 10-1707614 (application date: September 4, 2015), the name of the invention: "Mobile payment service providing method using a sound wave signal and a mobile payment system for implementing the same" Republic of Korea Patent Publication No. 2018-13136 (published date: February 7, 2018), the name of the invention: "Sound based payment system and method using a smartphone" Republic of Korea Patent Publication No. 2017-128163 (published date: November 22, 2017), the name of the invention: "Payment processing method and apparatus using sound waves" Republic of Korea Patent Publication No. 2017-110532 (published date: October 11, 2017), the name of the invention: "electronic stamp device and its operation method" Republic of Korea Patent Publication No. 2016-150418 (Publication date: December 30, 2016), the name of the invention: "Payment method and system using ultrasound" Republic of Korea Patent Publication No. 2016-65260 (published date: June 9, 2016), the name of the invention: "mobile payment system and method using ultrasonic waves" Republic of Korea Patent Publication No. 2016-39590 (published date: April 11, 2016), the name of the invention: "Payment code delivery method and system using sound wave data communication"

Technical problem to be achieved by the present invention for solving the above-mentioned problems is a non-contact sound wave payment system in which a sound wave generation module is mounted for payment between a purchaser terminal and a seller terminal, and a purchaser terminal inputs a payment amount. A contactless sound wave through which the purchaser's terminal inputs the payment amount, which enables the purchaser, who is the payment subject, to enter the payment amount through the sound wave payment app (smartphone app) for the buyer installed on the purchaser terminal. It is to provide a payment system and method.

Another technical problem to be achieved by the present invention, as the mobile communication of the sound wave payment service server is achieved through the sound wave payment app, which is a smartphone app installed on the purchaser terminal, there is no need for communication between the seller terminal and the sound wave payment service server during the sound wave payment process. , It is to provide a contactless sound wave payment system and method for the purchaser terminal to input the payment amount.

Another technical problem to be achieved by the present invention is that it can be used in smartphones of all manufacturers without a credit card terminal, POS, barcode scanner, QR scanner, etc. It is to provide a non-contact sound wave payment system and a method for inputting a payment amount by a buyer terminal, which can easily process payment and authentication in a manner.

As a means for achieving the above-described technical problem, a non-contact sound wave payment system in which a purchaser terminal according to the present invention inputs a payment amount is equipped with a sound wave generating module for payment between a purchaser terminal and a seller terminal, and the purchaser terminal pays In a non-contact sound wave payment system for inputting a price, a sound wave generation module is installed, and a sound wave payment app for a buyer who directly enters a payment amount for purchase of a purchased product is installed to receive sound wave payment information including the payment amount. A buyer terminal generating and transmitting sound waves; A seller terminal equipped with a sound wave generation module, a sound wave payment program for a seller is installed, and after receiving sound wave payment information from the buyer terminal, generating seller information including seller information and transmitting the sound wave to the buyer terminal as sound waves; And a sound wave payment service server connected to the purchaser terminal through a mobile communication network, processing sound wave requests requested from the purchaser terminal, and transmitting sound wave payment results to the purchaser terminal, wherein the purchaser terminal has the first sound wave payment information. And payment is performed by generating sound waves again at the seller terminal after the seller terminal receives it; The purchaser terminal generates sound wave payment information including payment amount and purchaser information as sound waves and transmits them to the seller terminal in a contactless manner at a short distance within the sound audible sound area; The purchaser terminal is characterized in that, when requesting a sound wave payment to the sound wave payment service server through a mobile communication network, it is characterized in that it transmits the payment amount, buyer information and seller information.

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Here, the buyer terminal, the sound wave generation module for generating the buyer information including the payment amount in sound waves and transmitting to the seller terminal; A microphone for receiving seller information including seller information generated from the sound wave generation module of the seller terminal; A control unit for controlling the generation and transmission of the buyer information, the reception of the seller information, and the sonication request; A display for directly inputting the payment amount and displaying a sound wave settlement process and results; And a communication module for requesting sound wave payment from the sound wave payment service server through the mobile communication network, and receiving the processed sound wave payment result from the sound wave payment service server.

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Here, the seller terminal, a microphone for receiving sound wave payment information including the payment amount generated from the sound wave generation module of the buyer terminal; A control unit controlling reception of the buyer information and generation and transmission of the seller information; A display showing the sound wave settlement process and results; And a sound wave generating module that generates seller information including the seller information as sound waves and transmits the sound to the buyer terminal.

Here, the sound wave payment service server, the sound wave payment information receiving unit for receiving a sound wave payment request from the buyer terminal through a mobile communication network; A sound wave payment processing unit which processes the requested sound wave payment according to the payment amount, buyer information, and seller information transmitted for the sound wave payment request of the buyer terminal; A buyer DB that stores the buyer information transmitted when the buyer terminal requests for sound wave payment; A seller DB that stores seller information transmitted when the buyer terminal requests for sound wave payment; A sound wave payment result confirmation unit that transmits the sound wave payment result processed by the sound wave payment processing unit to the buyer terminal along with payment amount, buyer information, seller information, and time information; And it may include a settlement amount settlement DB to settle the settlement amount according to the sound wave settlement result processed by the sound wave settlement processing unit.

On the other hand, as another means for achieving the above-described technical problem, a non-contact sound wave payment method in which a purchaser terminal according to the present invention inputs a payment amount is equipped with a sound wave generating module for payment between the purchaser terminal and the seller terminal, respectively. A non-contact sound wave payment method in which a terminal inputs a payment amount, the method comprising: a) inputting a payment amount of a product to be purchased by driving a sound wave payment app for a buyer installed in a purchaser terminal; b) generating purchaser information including purchaser information through the sound wave generation module mounted on the purchaser terminal for sound wave payment and transmitting the sound wave to the seller terminal; c) the seller terminal generates seller information including seller information in response to the buyer information received from the buyer terminal through the sound wave generation module mounted on the seller terminal, and transmits the sound to the buyer terminal as sound waves; d) the buyer terminal requesting a sound wave payment from the sound wave payment service server through a mobile communication network; e) after the sound wave payment service server processes the sound wave payment requested from the purchaser terminal, transmitting the sound wave payment processing result to the purchaser terminal; f) generating, by the purchaser terminal, sound waves corresponding to the sound wave payment result received from the sound wave payment service server and transmitting the sound waves to the seller terminal; g) the seller terminal displaying and confirming the sound wave payment result through the sound wave payment program for the seller; And h) displaying, by the buyer terminal, a sound wave payment result through the sound wave payment app for the buyer, wherein the seller terminal generates the first sound wave payment information, and after the seller terminal receives the sound wave payment information. In the sound wave payment process, payment is performed by generating sound waves again, and the buyer terminal requests sound wave payment to the sound wave payment service server through a mobile communication network without performing communication between the seller terminal and the sound wave payment service server to perform sound wave payment. And; The purchaser terminal generates sound wave payment information including payment amount and purchaser information as sound waves and transmits them to the seller terminal in a contactless manner at a short distance within the sound audible sound area; The buyer terminal transmits a payment amount, buyer information, and seller information when requesting a sound wave payment to the sound wave payment service server through a mobile communication network,
The buyer terminal includes: a sound wave generating module that generates buyer information including a payment amount as sound waves and transmits the sound to the seller terminal; A microphone for receiving seller information including seller information generated from the sound wave generation module of the seller terminal; A control unit for controlling the generation and transmission of the buyer information, the reception of the seller information, and the sonication request; And directly inputting the payment amount and requesting a sound wave payment from the sound wave payment service server through a display and a mobile communication network displaying a sound wave payment app for buyers to display the sound wave payment process and results, and processing from the sound wave payment service server. It includes a communication module for receiving the result of the sound wave payment, the seller terminal, a microphone for receiving sound wave payment information including the payment amount generated from the sound wave generation module of the buyer terminal; A control unit controlling reception of the buyer information and generation and transmission of the seller information; A display showing the sound wave settlement process and results; And a sound wave generating module that generates the seller information including the seller information as sound waves and transmits the sound to the buyer terminal.

According to the present invention, the buyer, who is the payment subject of the payment amount, can input the payment amount through the sound wave payment app (smartphone app) for the buyer installed on the purchaser terminal, thereby clarifying the responsibility for the input error as the buyer. , Since an input tool according to the amount of money input to the seller terminal, for example, a keyboard, etc. is not required, it is particularly advantageous to simplify and secure convenience of the seller terminal such as a traditional market.

According to the present invention, when an existing POS or the like is installed, the inconvenience of recording the amount of money in the POS and the seller's terminal can be eliminated, and the payment is immediately made without the buyer waiting for the seller to enter the payment amount. can do.

According to the present invention, it can be used in smartphones of all manufacturers without a credit card terminal, POS, barcode scanner, QR scanner, etc., and payment and authentication are made in a short distance, non-contact manner without activating specific function settings in advance, such as Bluetooth or NFC. Can handle

According to the present invention, after the first sound wave payment information is generated at the purchaser terminal, and the seller terminal receives it, the seller terminal only needs to generate sound waves, and the seller terminal does not need to generate sound waves at all times. Can be minimized.

According to the present invention, as the mobile communication of the sound wave payment service server is performed through the sound wave payment app, which is a smartphone app installed on the purchaser terminal, there is no need to communicate between the seller terminal and the sound wave payment service server during the sound wave payment process. The number of communication of the service server can be reduced, and accordingly, the cost of installing and communicating with the communication device of the seller terminal can be reduced.

1 is a view showing a payment process through a general POS system.
2 is a diagram illustrating a contactless payment process using a mobile phone according to the prior art.
3 is a block diagram of a mobile payment system using a sound wave signal according to the prior art.
4 is an operation flow diagram of a mobile payment service providing method using a sound wave signal according to the prior art.
5 is a schematic configuration diagram of a contactless sound wave payment system in which a purchaser terminal inputs a payment amount according to an embodiment of the present invention.
6 is a detailed configuration diagram of a contactless sound wave payment system in which a purchaser terminal inputs a payment amount according to an embodiment of the present invention.
7 is a detailed configuration diagram of a purchaser terminal in which a sound wave generation module and a sound wave payment app for a purchaser terminal are installed in a contactless sound wave payment system in which a purchaser terminal inputs a payment amount according to an embodiment of the present invention.
8 is a detailed configuration diagram of a sound wave payment service server in a contactless sound wave payment system in which a buyer terminal inputs a payment amount according to an embodiment of the present invention.
9 is a view illustrating a sound wave payment app implemented on a purchaser terminal in a contactless sound wave payment system in which a purchaser terminal inputs a payment amount according to an embodiment of the present invention.
10 is a view illustrating a seller terminal in a contactless sound wave payment system in which a buyer terminal inputs a payment amount according to an embodiment of the present invention.
11 is an operation flow diagram of a contactless sound wave payment method in which a purchaser terminal inputs a payment amount according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art to which the present invention pertains may easily practice. However, the present invention can be implemented in many different forms and is not limited to the embodiments described herein. In addition, in order to clearly describe the present invention in the drawings, parts irrelevant to the description are omitted, and like reference numerals are assigned to similar parts throughout the specification.

Throughout the specification, when a part “includes” a certain component, this means that other components may be further included rather than excluding other components unless specifically stated to the contrary. In addition, terms such as “… unit” described in the specification mean a unit that processes at least one function or operation, and may be implemented by hardware or software or a combination of hardware and software.

[Non-contact sound wave payment system in which the purchaser terminal inputs the payment amount]

5 is a schematic configuration diagram of a contactless sound wave payment system in which a purchaser terminal inputs a payment amount according to an embodiment of the present invention.

Referring to FIG. 5, a contactless sound wave payment system in which a purchaser terminal according to an embodiment of the present invention inputs a payment amount includes a purchaser terminal 100, a seller terminal 200, and a sound wave payment service server 300.

The purchaser terminal 100 is a user terminal equipped with a sound wave generation module, and is preferably implemented as a smartphone, and a purchaser's sound wave payment app for directly inputting a payment amount for purchase of a purchase product is installed, so that the payment amount is Generates sound wave payment information including and transmits the sound wave. At this time, the purchaser terminal 100 generates sound waves in a non-contact manner at a short distance within the sound wave audible region, and generates sound waves between the purchaser terminal 100 and the seller terminal 200 to perform sound wave settlement.

The seller terminal 200 is a payment terminal equipped with a sound wave generation module. After receiving sound wave payment information from the buyer terminal 100, the seller terminal 200 generates seller information including the seller information and transmits the sound wave to the buyer terminal 100 as sound waves. send.

The sound wave payment service server 300 is connected to the purchaser terminal 100 and a mobile communication network, processes the sound wave payment requested from the purchaser terminal 100 through the mobile communication network, and displays the sound wave payment result to the purchaser terminal 100 To send.

For example, the sound wave payment service server 300 may transmit the processed sound wave payment result to the purchaser terminal 100 together with the payment amount, buyer information, seller information, and time information.

In particular, as the mobile communication of the sound wave payment service server 300 is performed through the sound wave payment app, which is a smartphone app installed on the buyer terminal 100, the seller terminal 200 and the sound wave payment service server during the sound wave payment process There is no need for communication between the 300, thereby reducing the number of times the communication of the sound wave payment service server 300, and accordingly, the cost of installing and communicating with the communication device of the seller terminal 200 can be reduced.

Meanwhile, FIG. 6 is a detailed configuration diagram of a contactless sound wave payment system in which a purchaser terminal inputs a payment amount according to an embodiment of the present invention.

Referring to FIG. 6, in the non-contact sound wave payment system in which the purchaser terminal inputs the payment amount according to an embodiment of the present invention, the sound wave generation module is mounted for payment between the purchaser terminal and the seller terminal, respectively, and the purchaser terminal receives the payment amount. As a non-contact sound wave payment system to input, including a buyer terminal 100, a seller terminal 200 and a sound wave payment service server 300, wherein the buyer terminal 100 is a sound wave generating module 130, microphone 101 ), A control unit 119, a display 123, and a communication module. In addition, the seller terminal 200 includes a microphone 210, a control unit 220, a display 230, and a sound wave generation module 240. It may include.

The purchaser terminal 100 is equipped with a sound wave generation module 140, and a sound wave settlement app 140 for a buyer is installed to directly input a payment amount for payment of purchase products, so that sound wave payment information including the payment amount is installed. It is generated and transmitted as sound waves.

At this time, the purchaser terminal 100 generates sound wave payment information including payment amount, time, and purchaser information as sound waves and transmits them to the seller terminal 200 in a non-contact manner at a short distance within the sound wave audible area.

In addition, the buyer terminal 100 transmits a payment amount, buyer information, and seller information when requesting a sound wave payment to the sound wave payment service server 300 through a mobile communication network.

Specifically, the sound wave generation module 130 of the purchaser terminal 100 generates purchaser information including a payment amount as sound waves and transmits it to the seller terminal 200, and also, the microphone of the purchaser terminal 100 ( 101) receives seller information including seller information generated from the sound wave generation module 240 of the seller terminal 200.

The control unit 119 of the buyer terminal 100 controls the generation and transmission of the buyer information, the reception of the seller information, and the request for sound wave settlement, and the display 123 of the buyer terminal 100 receives the payment amount. Direct input, and displays the sound wave payment app 140 for buyers to display the sound wave payment process and results.

The communication module of the buyer terminal 100 requests sound wave payment from the sound wave payment service server 300 through a mobile communication network, and receives the processed sound wave payment result from the sound wave payment service server 300.

Referring back to FIG. 6, the seller terminal 200 is equipped with a sound wave generation module 240, a sound wave payment program 250 for a seller is installed, and after receiving sound wave payment information from the buyer terminal 100, The seller information including the seller information is generated and transmitted as sound waves to the buyer terminal 100.

Specifically, the microphone 210 of the seller terminal 200 receives sound wave payment information including a payment amount generated from the sound wave generation module 130 of the buyer terminal 100, and also, the seller terminal 200 ), The sound wave generation module 240 generates the seller information including the seller information as sound waves and transmits it to the buyer terminal 100.

The control unit 220 of the seller terminal 200 controls the reception of the buyer information and the generation and transmission of the seller information, and the display 230 of the seller terminal 200 displays a sound wave settlement process and results. do.

Referring back to FIG. 6, the sound wave payment service server 300 is connected to the purchaser terminal 100 through a mobile communication network, processes sound wave payment requested from the purchaser terminal 100, and displays the sound wave payment result to the purchaser terminal. (100).

Accordingly, the buyer terminal 100 and the seller terminal 200 respectively perform payment through sound waves, and the buyer without communication between the seller terminal 200 and the sound wave payment service server 300 during the sound wave payment process. The terminal 100 requests sound wave payment from the sound wave payment service server 300 through a mobile communication network to perform sound wave payment.

Meanwhile, FIG. 7 is a detailed configuration diagram of a purchaser terminal in which a sound wave generation module and a sound wave payment app for a purchaser terminal are installed in a non-contact sound wave payment system in which a purchaser terminal according to an embodiment of the present invention inputs a payment amount. ) Is a diagram illustrating a case where the mobile communication terminal is a smartphone.

Referring to FIG. 7, a buyer terminal 100 of a contactless sound wave payment system in which a buyer terminal according to an embodiment of the present invention inputs a payment amount, a buyer terminal 100 is transmitted from an antenna for transmitting and receiving data, and the antenna It includes a low-noise amplifier configured to amplify the on-frequency signal (Low Noise Amplifier), a demodulator 113 for demodulating the original code signal from the frequency signal input through the low-noise amplifier.

In addition, when the purchaser terminal 100 is a mobile communication terminal, the baseband processing unit 109 for processing the baseband according to a predetermined communication standard for data transmitted and received through the demodulator 113 and the modulator 111, It may further include a data processing unit 107 for processing the control data to be transmitted and received according to a predetermined standard with the base station.

At this time, the purchaser terminal 100 is a speaker 103 for outputting a voice signal from the other terminal as an audible voice, and the microphone 101 for converting and inputting the voice input of the receiver as an electrical voice signal, from the microphone 101 A voice processing unit 105 that performs voice processing such as converting the input analog voice signal to digital data and converting the voice data applied through the baseband processing unit 109 into an analog voice signal and outputting it to the speaker 103 ) May be further included.

In addition, the purchaser terminal 100 amplifies the modulator 111 modulating the transmission data output through the baseband processing unit 109 into a predetermined frequency signal and the frequency signal modulated by the modulator 111. Parts (not shown) may be further included.

In addition, the purchaser terminal 100 is a key input unit having a plurality of numeric keys and function keys, an operation unit 117, which may be a keypad or a touch pad, an example for displaying various operation states or operation states of the purchaser terminal 100 For example, through the operation of the control unit 117, while controlling the operation state of the purchaser terminal 100 through transmission and reception with the base station through the display 123 of a liquid crystal display, OLED, etc., the data processing unit 107 A control unit 119 for controlling a terminal according to an input operation signal, a program memory 125 in which an operation program of the control unit is stored, and a data memory 127 in which various processing data related to the operation of the control unit are stored are additionally added. It can contain. At this time, the data memory 127 according to an embodiment of the present invention may store the sound wave payment app 140 for a buyer terminal, which is a smartphone app.

In addition, the purchaser terminal 100 further includes an analog-to-digital converter 121 that digitally converts received data that is demodulated and output from the demodulator 113 and outputs data corresponding to the size of the received data to the control unit. This is provided for the base station selection or hand over function of the purchaser terminal 100.

At this time, when the operation unit 117 is, for example, a touch pad, a payment amount may be input from the sound wave payment app 140 for the buyer terminal displayed on the display 123.

The control unit 119 stores and stores the phone number of the caller, which is generally received, and performs re-connection according to the needs of the recipient, and the sound wave payment app 140 for the buyer terminal is displayed on the display 123, and the payment amount is input. It is controlled to generate sound waves by the sound wave generation module 130. In addition, the program memory 125 stores a program for implementing functions performed by the control unit 119.

Meanwhile, FIG. 8 is a detailed configuration diagram of a sound wave payment service server in a contactless sound wave payment system in which a buyer terminal inputs a payment amount according to an embodiment of the present invention.

Referring to FIG. 8, in the non-contact sound wave payment system in which the purchaser terminal inputs the payment amount according to an embodiment of the present invention, the sound wave payment service server 300 includes a sound wave payment information receiving unit 310, a sound wave payment processing unit 320, and a buyer DB 330, a seller DB 350, a sound wave payment result confirmation unit 340, and may include a settlement amount settlement DB 360, but is not limited thereto.

The sound wave payment information receiving unit 310 receives a sound wave payment request from the buyer terminal 100 through a mobile communication network.

The sound wave payment processing unit 320 processes the requested sound wave payment according to the payment amount, buyer information, and seller information transmitted for the sound wave payment request of the buyer terminal 100.

The buyer DB 330 stores the buyer information transmitted when the buyer terminal 100 requests a sound wave payment, and the seller DB 350 stores the seller information transmitted when the buyer terminal 100 requests a sound wave payment.

The sound wave payment result confirmation unit 340 transmits the sound wave payment result processed by the sound wave payment processing unit 320 to the buyer terminal 100.

The settlement amount is settled according to the sound wave settlement result processed by the sound wave settlement processing unit 320.

Meanwhile, FIG. 9 is a diagram illustrating a sound wave payment app implemented on a purchaser terminal in a contactless sound wave payment system in which a buyer terminal inputs a payment amount according to an embodiment of the present invention.

As illustrated in FIG. 9, in the non-contact sound wave payment system in which the purchaser terminal according to an embodiment of the present invention inputs a payment amount, the sound wave payment app 140 implemented on the purchaser terminal is a smartphone that is a purchaser terminal 100 It is installed in the user terminal to be implemented, for example, the gift card by the Onnuri gift certificate is displayed on the app screen of the user terminal (smartphone), and the user inputs the payment amount. That is, as illustrated, if a payment amount of 33,000 is entered, the balance of 167,000 is displayed after the completion of the sound wave payment on the gift card of 200,000 won.

Meanwhile, FIG. 10 is a diagram illustrating a seller terminal in a contactless sound wave payment system in which a buyer terminal inputs a payment amount according to an embodiment of the present invention, wherein a) in FIG. 10 shows the shape of the seller terminal 200, and FIG. 10) b) indicates that the completion of the sonic settlement.

As illustrated in FIG. 10, in the contactless sound wave payment system in which the purchaser terminal according to an embodiment of the present invention inputs a payment amount, the seller terminal 200 is a payment terminal, and there is no communication configuration such as Wi-Fi or NFC. There is no need for an input means such as a keyboard. This is because the payment amount is input from the smartphone, which is the purchaser terminal 100. Also, although not shown, payment cancellation or payment amount modification can be displayed on the seller terminal 200. .

Accordingly, in the case of the seller terminal 200, communication cost, POS cost, etc. are not required at all, and can be simply stored in the store by charging the seller terminal 200 in a rechargeable manner.

As illustrated in b) of FIG. 10, when the smartphone, which is the purchaser terminal 100, approaches the service audible region, sound wave payment information may be transmitted and received between the purchaser terminal 100 and the seller terminal 200 to complete sound wave payment. .

After all, according to the non-contact sound wave payment system and method for the purchaser terminal according to an embodiment of the present invention to input the payment amount, it can be used in smartphones of all manufacturers without a credit card terminal, POS, barcode scanner, QR scanner, etc. , You can easily process payment and authentication in a short distance contactless manner without activating specific function settings in advance, such as Bluetooth or NFC.

In addition, even without a credit card terminal, POS, barcode scanner, QR scanner, etc., in the seller terminal 200, the buyer simply purchases the buyer terminal 100 without activating Bluetooth or NFC on the smartphone, which is his buyer terminal 100 After executing the sound wave payment app (smartphone app), it is possible to process the sound wave payment simply by bringing it close to the seller terminal 200 in a short contactless manner.

The buyer can authenticate the payment result through the sound wave payment app (smartphone app) for the buyer installed on his or her purchaser terminal 100, and the seller can simply authenticate the payment result through the display of the seller terminal 200. .

In addition, the buyer, who is the payment subject of the payment amount, can input the payment amount through the sound wave payment app for the buyer installed on the purchaser terminal 100 (smartphone app), thereby clarifying the responsibility for input errors as the buyer. There is no need for an input tool according to the amount of money input to the seller terminal 200, for example, a keyboard.

In addition, when an existing POS or the like is installed, it is possible to eliminate the inconvenience of recording the amount of money in the POS and the seller terminal 200, and also, immediately pay without the buyer waiting until the seller enters the payment amount. can do.

The purchaser terminal 100 generates the first sound wave payment information, and after the seller terminal 200 receives it, the seller terminal 200 may generate sound waves again, that is, the seller terminal 200 may sound waves Since it does not always have to occur, power consumption can be minimized.

In addition, as the mobile communication of the sound wave payment service server 300 is performed through the sound wave payment app 140, which is a smartphone app installed in the purchaser terminal 100, the seller terminal 200 and the sound wave payment service during the sound wave payment process There is no need for communication between the servers 300, thereby reducing the number of times of communication of the sound wave payment service server 300, and accordingly, the cost of installing and communicating with a communication device of the seller terminal 200 can be reduced.

[Non-contact sound wave payment method in which the purchaser terminal inputs the payment amount]

11 is an operation flow diagram of a contactless sound wave payment method in which a purchaser terminal inputs a payment amount according to an embodiment of the present invention.

As illustrated in FIG. 11, in the non-contact sound wave payment method in which a purchaser terminal inputs a payment amount according to an embodiment of the present invention, a sound wave generation module is mounted for payment between the purchaser terminal 100 and the seller terminal 200, respectively. As a non-contact sound wave payment method, first, the purchaser terminal 100 drives the purchaser's sound wave payment app 140 installed in the purchaser terminal 100 to input a payment amount of a product to be purchased (S101).

Next, for sound wave payment, the buyer information including the buyer information is generated through the sound wave generation module 130 mounted on the buyer terminal 100 (S102), and transmitted as sound waves to the seller terminal 200 (S103). ). At this time, the purchaser terminal 100 generates sound wave payment information including purchaser information as sound waves and transmits them to the seller terminal 200 in a non-contact manner at a short distance within a sound wave audible sound region.

Next, the seller terminal 200 generates seller information including seller information in response to buyer information received from the buyer terminal 100 through the sound wave generation module 240 mounted on the seller terminal 200. By transmitting to the buyer terminal 100 as a sound wave (S104).

Next, the buyer terminal 100 requests a sound wave payment to the sound wave payment service server 130 through the mobile communication network (S105). At this time, the buyer terminal 100 transmits a payment amount, buyer information, and seller information when requesting a sound wave payment to the sound wave payment service server 300 through a mobile communication network.

Next, after the sound wave payment service server 130 processes the sound wave payment requested from the purchaser terminal 100 (S106), the sound wave payment processing result along with the payment amount, buyer information, seller information, and time information is recalled. It is transmitted to the buyer terminal 100 (S107).

Next, the buyer terminal 100 generates a sound wave corresponding to the sound wave payment result received from the sound wave payment service server 130, and the sound wave payment processing result along with the payment amount, buyer information, seller information, and time information is recalled. Delivered to the seller terminal 200 (S108).

Next, the seller terminal 200 displays the sound wave payment result through the sound wave payment program 250 for the seller (S109).

Next, the buyer terminal 100 displays the sound wave payment result through the sound wave payment app 140 for the buyer (S110).

Accordingly, the buyer terminal 100 and the seller terminal 200 respectively perform payment through sound waves, and the buyer without communication between the seller terminal 200 and the sound wave payment service server 300 during the sound wave payment process. The terminal 100 may request sound wave payment from the sound wave payment service server 300 through a mobile communication network to perform sound wave payment.

The above description of the present invention is for illustration only, and those skilled in the art to which the present invention pertains can understand that the present invention can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the above-described embodiments are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and it should be interpreted that all changes or modified forms derived from the meaning and scope of the claims and equivalent concepts thereof are included in the scope of the present invention. do.

100: buyer terminal (user terminal)
200: seller terminal (payment terminal)
300: sound wave payment service server
130: sound wave generation module
140: sound wave payment app for the buyer terminal
101: microphone
119: control
123: display
210: microphone
220: control unit
230: display
240: sound wave generation module
250: sound wave payment program for the seller terminal
310: sound wave payment information receiver
320: sound wave payment processing unit
330: Buyer DB
340: sound wave payment result confirmation unit
350: seller DB
360: Payment amount settlement DB

Claims (10)

In the non-contact sound wave payment system for the purchaser terminal equipped with a sound wave generation module for payment between the purchaser terminal and the seller terminal input the payment amount,
A sound wave generation module 140 is installed, and a sound wave payment app 140 for buyers is installed to directly purchase payments for payment of purchased products, so that sound wave payment information including the payment amount is generated and transmitted as sound waves. Buyer terminal 100 to the;
The sound wave generation module 240 is mounted, and a sound wave payment program 250 for a seller is installed, and after receiving sound wave payment information from the purchaser terminal 100, the seller information including the seller information is generated to generate the purchaser terminal. Seller terminal 200 for transmitting to the sound wave 100; And
It includes a sound wave payment service server 300 connected to the purchaser terminal 100 through a mobile communication network, processing the sound wave payment requested from the purchaser terminal 100, and transmitting the sound wave payment result to the purchaser terminal 100 Ha,
The buyer terminal 100 and the seller terminal 200 respectively perform payment through sound waves, and the buyer terminal 100 without communication between the seller terminal 200 and the sound wave payment service server 300 during the sound wave payment process ) Through the mobile communication network to request a sound wave payment to the sound wave payment service server 300 to perform sound wave payment,
The purchaser terminal 100 generates the first sound wave payment information, and after the seller terminal 200 receives it, the seller terminal 200 generates sound waves again to perform payment, and during the sound wave payment process, the seller Without communication between the terminal 200 and the sound wave payment service server 300, the buyer terminal 100 requests sound wave payment from the sound wave payment service server 300 through a mobile communication network to perform sound wave payment;
The purchaser terminal 100 generates sound wave payment information including payment amount and purchaser information as sound waves and transmits them to the seller terminal 200 in a contactless manner at a short distance within the sound audible sound area; The buyer terminal 100 transmits a payment amount, buyer information, and seller information when requesting a sound wave payment to the sound wave payment service server 300 through a mobile communication network,
The purchaser terminal 100 includes: a sound wave generation module 130 that generates purchaser information including a payment amount in sound waves and transmits it to the seller terminal 200; A microphone 101 for receiving seller information including seller information generated from the sound wave generation module 240 of the seller terminal 200; A control unit 119 for controlling the generation and transmission of the buyer information, the reception of the seller information, and the request for sound wave settlement; And a display 123 displaying a sound wave payment app 140 for a buyer to directly enter the payment amount and display a sound wave payment process and results, and request sound wave payment from the sound wave payment service server 300 through a mobile communication network. And, it includes a communication module for receiving the sound wave payment results processed from the sound wave payment service server 300,
The seller terminal 200,
A microphone 210 receiving sound wave payment information including a payment amount generated from the sound wave generation module 130 of the buyer terminal 100; A control unit 220 for controlling reception of the buyer information and generation and transmission of the seller information; A display 230 for displaying the sonic settlement process and results; And a sound wave generating module 240 for generating the seller information including the seller information as sound waves and transmitting it to the buyer terminal 100. A contactless sound wave payment system for a buyer terminal to input a payment amount. delete delete delete The method of claim 1, wherein the sound wave payment service server 300,
A sound wave payment information receiving unit 310 that receives a sound wave payment request from the buyer terminal 100 through a mobile communication network;
A sound wave payment processing unit 320 for processing the requested sound wave payment according to the payment amount, buyer information, and seller information transmitted for the sound wave payment request of the buyer terminal 100;
A buyer DB 330 that stores buyer information transmitted when the buyer terminal 100 requests for sound wave payment;
A seller DB that stores the seller information transmitted when the buyer terminal 100 requests sound wave payment;
A sound wave payment result confirmation unit 340 that transmits the sound wave payment result processed by the sound wave payment processing unit 320 to the buyer terminal 100 together with payment amount, buyer information, seller information, and time information; And
A non-contact sound wave payment system for a purchaser terminal including a payment amount settlement DB 360 to settle a payment amount according to the sound wave payment result processed by the sound wave payment processing unit 320. In the non-contact sound wave payment method, each equipped with a sound wave generation module for payment between the buyer terminal 100 and the seller terminal 200,
a) driving the purchaser's sound wave payment app 140 installed in the purchaser terminal 100 to input a payment amount of a product to be purchased;
b) generating purchaser information including purchaser information through the sound wave generation module 130 mounted on the purchaser terminal 100 for sound wave payment and transmitting the sound wave to the seller terminal 200 as sound waves;
c) The seller terminal 200 generates seller information including seller information in response to buyer information received from the buyer terminal 100 through the sound wave generation module 240 mounted on the seller terminal 200 Transmitting sound waves to the buyer terminal 100;
d) the purchaser terminal 100 requesting a sound wave payment from the sound wave payment service server 130 through the mobile communication network;
e) after the sound wave payment service server 130 processes the sound wave payment requested from the purchaser terminal 100, transmitting the sound wave payment processing result to the purchaser terminal 100;
f) generating a sound wave corresponding to the sound wave payment result received from the sound wave payment service server 130 by the purchaser terminal 100 and transmitting it to the seller terminal 200;
g) the seller terminal 200 displaying and confirming the sound wave payment result through the sound wave payment program 250 for the seller; And
h) the purchaser terminal 100 includes the step of displaying a sound wave payment result through the sound wave payment app 140 for the buyer,
The purchaser terminal 100 generates the first sound wave payment information, and after the seller terminal 200 receives it, the seller terminal 200 generates sound waves again to perform payment,
During the sound wave payment process, the buyer terminal 100 requests sound wave payment from the sound wave payment service server 300 through the mobile communication network to perform sound wave payment without communication between the seller terminal 200 and the sound wave payment service server 300. And;
The purchaser terminal 100 generates sound wave payment information including payment amount, time, and purchaser information as sound waves and transmits them to the seller terminal 200 in a contactless manner at a short distance within the sound audible sound area;
The buyer terminal 100 transmits a payment amount, buyer information, and seller information when requesting a sound wave payment to the sound wave payment service server 300 through a mobile communication network,
The purchaser terminal 100 includes: a sound wave generation module 130 that generates buyer information including a payment amount in sound waves and transmits it to the seller terminal 200; A microphone 101 for receiving seller information including seller information generated from the sound wave generation module 240 of the seller terminal 200; A control unit 119 for controlling the generation and transmission of the buyer information, the reception of the seller information, and the request for sound wave settlement; And a display 123 displaying a sound wave payment app 140 for a buyer to directly enter the payment amount and display a sound wave payment process and results, and request sound wave payment from the sound wave payment service server 300 through a mobile communication network. And, it includes a communication module for receiving the sound wave payment results processed from the sound wave payment service server 300,
The seller terminal 200,
A microphone 210 receiving sound wave payment information including a payment amount generated from the sound wave generation module 130 of the buyer terminal 100; A control unit 220 for controlling reception of the buyer information and generation and transmission of the seller information; A display 230 for displaying the sonic settlement process and results; And a sound wave generating module 240 for generating the seller information including the seller information as sound waves and transmitting the sound to the buyer terminal 100. The contactless sound wave payment method of a buyer terminal including a payment amount. delete delete delete The method of claim 6, wherein the sound wave payment service server 300,
A sound wave payment information receiving unit 310 that receives a sound wave payment request from the buyer terminal 100 through a mobile communication network;
A sound wave payment processing unit 320 for processing the requested sound wave payment according to the payment amount, buyer information, and seller information transmitted for the sound wave payment request of the buyer terminal 100;
A buyer DB 330 that stores buyer information transmitted when the buyer terminal 100 requests for sound wave payment;
A seller DB 350 that stores the seller information transmitted when the buyer terminal 100 requests a sound wave payment;
A sound wave payment result confirmation unit 340 that transmits the sound wave payment result processed by the sound wave payment processing unit 320 to the buyer terminal 100 together with payment amount, buyer information, seller information, and time information; And
A contactless sound wave payment method in which a purchaser terminal including a payment amount settlement DB (360) for settlement of a payment amount according to the sound wave payment result processed by the sound wave payment processing unit (320) inputs the payment amount.

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