KR102258955B1 - Payment service apparatus for supporting payment processing based on virtual currency along with pos terminal at offline merchant and operating method thereof - Google Patents

Abstract

Disclosed are a payment service device and an operating method thereof that support virtual currency-based payment processing in conjunction with a POS terminal at an offline affiliate store. According to the present invention, information on a product purchased by a user at the offline affiliate store and information on the amount of the product are received from a POS terminal installed in an offline affiliated store, and a two-dimensional code stored in the user terminal from the POS terminal is received. When the user identifier extracted from is received, the current price information for the virtual currency is received from the virtual currency price information server, the amount of the product is converted into the virtual currency amount, and the user's electronic money for the virtual currency amount of the product is received. By completing the transfer processing from the wallet account to the electronic wallet account of the offline affiliated store, it is possible to support the user to conveniently purchase products from the offline affiliated store.

Description

A payment service device that supports virtual currency-based payment processing in conjunction with POS terminals at offline merchants and its operation method {PAYMENT SERVICE APPARATUS FOR SUPPORTING PAYMENT PROCESSING BASED ON VIRTUAL CURRENCY ALONG WITH POS TERMINAL AT OFFLINE MERCHANT AND OPERATING METHOD THEREOF}

The present invention relates to a payment service device supporting virtual currency-based payment processing in conjunction with a POS terminal in an offline affiliate store, and an operating method thereof.

Because of the advantage of not having time and space restrictions, more and more people are purchasing products through online shopping. However, due to the advantage of being able to examine the products in detail when purchasing products, there are not a few people looking for offline merchants.

Usually, people looking for offline merchants tend to pay for the products with cash or credit card when purchasing products at the store.

In particular, when a credit card is used for payment, a credit card is frequently used because it is not only convenient, but also various discounts and savings benefits can be provided, and the user's credit rating can also be raised.

However, since the payment process for products using a credit card takes a lot of time in the payment process, people who want to purchase products from offline merchants may have to wait in line.

In addition, offline merchants have to pay a credit card merchant fee in relation to a credit card, and a high credit card merchant fee can be a burden for offline merchants.

Therefore, in addition to the payment processing method by credit card, it supports the payment of low fees to offline merchants, and allows you to quickly and conveniently pay for products sold at offline merchants using the portable terminal you normally carry. There is a need for research on payment processing methods that support this.

In addition, although interest in virtual currency is increasing due to the development of blockchain technology in recent years, a platform that supports the use of virtual currency as a means of transaction for goods has not yet been properly established. This situation has not been fully realized.

Therefore, it is also necessary to study a payment processing service that supports users to freely purchase products using virtual currency.

In the payment service apparatus and method of operation thereof according to the present invention, information on a product purchased by a user at the offline affiliated store and information on the amount of the product are received from a POS terminal installed in an offline affiliated store, and the user receives from the POS terminal When the user identifier extracted from the two-dimensional code stored in the terminal is received, the current price information for the virtual currency is received from the virtual currency price information server, the amount of the product is converted into the amount of the virtual currency, and the amount of the product is received. By completing the transfer processing for the virtual currency amount from the user's electronic wallet account to the offline affiliated store's electronic wallet account, it is intended to support the user to conveniently purchase products from the offline affiliated store.

A point of sale (POS) terminal in an offline affiliated store according to an embodiment of the present invention - the POS terminal is a terminal that generates purchase information for products sold in the offline affiliated store - based on virtual currency in conjunction with The payment service device supporting the payment processing of the first POS terminal installed in the first offline affiliated store includes product information on the first product purchased by the user at the first offline affiliated store and information on the amount of the first product. a product information receiving unit receiving a first user identifier from the first POS terminal - The first user identifier is a user extracted from the two-dimensional code by recognizing a two-dimensional code pre-stored in the user terminal by the first POS terminal When the first user identifier is received from the identifier receiving unit receiving the identifier - and the first POS terminal, the current price information for the virtual currency is received from the virtual currency price information server based on the current price information for the virtual currency to convert the amount of the first product into a virtual currency amount, and after completing the transfer processing from the user's electronic wallet account to the electronic wallet account of the first offline affiliated store for the virtual currency amount of the first product, and a payment proxy processing unit for transmitting a payment processing completion message for the first product to the first POS terminal.

In addition, in conjunction with a POS terminal at an offline affiliated store according to an embodiment of the present invention, the POS terminal is a terminal that generates purchase information for products sold at the offline affiliated store, and supports virtual currency-based payment processing In the method of operation of a payment service device, receiving product information about a first product purchased by a user at the first offline affiliated store and information on the amount of the first product from a first POS terminal installed in a first offline affiliated store step, the first user identifier from the first POS terminal - The first user identifier is a user identifier extracted from the 2D code by recognizing the 2D code stored in the first POS terminal in advance in the user terminal receiving and when the first user identifier is received from the first POS terminal, receiving the current price information for the virtual currency from the virtual currency price information server, and based on the current price information for the virtual currency, the first product converts the amount of to virtual currency, and transfers the virtual currency amount of the first product from the user's electronic wallet account to the electronic wallet account of the first offline affiliated store, and then to the first POS terminal and transmitting a payment processing completion message for the first product.

In the payment service apparatus and method of operation thereof according to the present invention, information about a product purchased by a user at the offline affiliated store and information on the amount of the product are received from a POS terminal installed in an offline affiliated store, and the user from the POS terminal When the user identifier extracted from the two-dimensional code stored in the terminal is received, the current price information for the virtual currency is received from the virtual currency price information server, the amount of the product is converted into the amount of the virtual currency, and the amount of the product is received. By completing the transfer process from the user's electronic wallet account to the offline affiliated store's electronic wallet account for the virtual currency amount, it is possible to support the user to conveniently purchase a product at the offline affiliated store.

1 is a diagram illustrating the structure of a payment service device supporting virtual currency-based payment processing in conjunction with a POS terminal in an offline affiliated store according to an embodiment of the present invention.
2 is a flowchart illustrating an operation method of a payment service device supporting virtual currency-based payment processing in conjunction with a POS terminal in an offline affiliated store according to an embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described in detail with reference to the accompanying drawings. These descriptions are not intended to limit the present invention to specific embodiments, and should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention. In describing each drawing, like reference numerals are used for similar components, and unless otherwise defined, all terms used in this specification, including technical or scientific terms, refer to those of ordinary skill in the art to which the present invention belongs. It has the same meaning as is commonly understood by those who have it.

In this document, when a part "includes" a certain component, it means that other components may be further included, rather than excluding other components, unless otherwise stated. In addition, in various embodiments of the present invention, each of the components, functional blocks or means may be composed of one or more sub-components, and the electrical, electronic, and mechanical functions performed by each component are electronic. A circuit, an integrated circuit, an ASIC (Application Specific Integrated Circuit), etc. may be implemented with various well-known devices or mechanical elements, and may be implemented separately or two or more may be integrated into one.

On the other hand, the blocks in the accompanying block diagram or steps in the flowchart are computer program instructions that are loaded in a processor or memory of equipment capable of data processing, such as a general-purpose computer, a special-purpose computer, a portable notebook computer, and a network computer, and perform specified functions. can be interpreted as meaning Since these computer program instructions may be stored in a memory provided in a computer device or in a memory readable by a computer, the functions described in the blocks of the block diagrams or the steps of the flowcharts are produced as articles of manufacture containing instruction means for performing the same. could be In addition, each block or each step may represent a module, segment, or portion of code comprising one or more executable instructions for executing the specified logical function(s). It should also be noted that, in some alternative embodiments, it is also possible for the functions recited in blocks or steps to be executed out of the prescribed order. For example, two blocks or steps shown in succession may be performed substantially simultaneously or in the reverse order, and in some cases, some blocks or steps may be omitted.

1 is a diagram illustrating the structure of a payment service device supporting virtual currency-based payment processing in conjunction with a POS terminal in an offline affiliated store according to an embodiment of the present invention.

Referring to FIG. 1 , a payment service device 110 supporting virtual currency-based payment processing in conjunction with a POS terminal in an offline affiliated store according to the present invention includes a product information receiving unit 111 , an identifier receiving unit 112 , and a payment proxy. and a processing unit 113 .

First, in the present invention, the offline affiliated store is provided with a POS terminal that generates purchase information for products currently being sold, so that a user entering the offline affiliated store can link the user terminal 130 with the POS terminal. It can support payment of products being sold in virtual currency.

Under this situation, as the user purchases the first product at the first offline affiliated store, the first POS terminal 140 installed in the first offline affiliated store generates purchase information for the first product, product information The receiving unit 111 receives, from the first POS terminal 140 , product information on the first product purchased by the user at the first offline affiliated store and information on the amount of the first product.

For example, the first POS terminal 140 may store information on each product currently sold at the first offline affiliated store and each barcode in correspondence with each other, and the first POS terminal 140 may store the A barcode reader for recognizing each barcode may be provided.

Here, the barcode (Bar-Code) is a small black bar part composed of several on a small label printed on the product when purchasing and calculating a product at a local supermarket, large discount store, or department store, and the barcode includes a 3-digit country code, 4 It may include a 1-digit manufacturer code, a 5-digit product item code, and a 1-digit check digit.

In this case, as the user selects the first product among products currently sold at the first offline affiliated store, the clerk attaches a barcode attached to the first product to the first POS terminal 140 . When the barcode reader recognizes the first POS terminal 140 , the information on the first product stored in correspondence with the barcode of the first product may be transmitted to the payment service device 110 .

The identifier receiving unit 112 recognizes the first user identifier from the first POS terminal 140 (the first user identifier is the two-dimensional code stored in the first POS terminal 140 in the user terminal 130) It is a user identifier extracted from a two-dimensional code).

Here, the two-dimensional code means a code capable of inserting information such as various characters on a two-dimensional image pattern, such as a QR (Quick Response) code.

In addition, the first POS terminal 140 may be equipped with a two-dimensional code reader for recognizing a two-dimensional code pre-stored in the user terminal 130 , and the first POS terminal 140 may be equipped with the two-dimensional code. After recognizing the two-dimensional code pre-stored in the user terminal 130 through a reader, and extracting the first user identifier inserted in the two-dimensional code from the two-dimensional code, the first user identifier is applied to the payment service device It can be transmitted to (110).

When the first user identifier is received from the first POS terminal 140, the payment proxy processing unit 113 receives the current price information for the virtual currency from the virtual currency price information server 150, and the current price for the virtual currency The amount of the first product is converted into a virtual currency amount based on the information, and the transfer processing is completed for the virtual currency amount of the first product from the user's electronic wallet account to the electronic wallet account of the first offline affiliated store After that, the payment processing completion message for the first product is transmitted to the first POS terminal 140 .

For example, it is assumed that the first user identifier is received from the first POS terminal 140 to the payment service device 110, the amount of the first product is '150,000 won', and the current price information for the virtual currency is In the case of '(1 coin = 1 won)', the payment processing unit 113 receives '(1 coin = 1 won)', which is the current price information for the virtual currency from the virtual currency price information server 150, Based on '(1 coin = 1 won)', which is the current price information for the virtual currency, '150,000 won', which is the amount of the first product, is exchanged for '150,000 coins', which is the amount of the virtual currency, and the first product After completing the transfer process from the user's e-wallet account to the e-wallet account of the first offline merchant for '150,000 coins', which is the virtual currency amount of A completion message can be sent.

At this time, according to an embodiment of the present invention, when the payment proxy processing unit 113 determines that the virtual currency amount of the first product exceeds the user's preset limit amount, the first POS terminal 140 ) to transmit a payment processing stop message for the first product.

For example, if the virtual currency amount of the first product is '250,000 coins' and the preset limit amount of the user is '200,000 coins', the payment proxy processing unit 113 is the virtual currency amount of the first product. By determining that '250,000 coins' exceeds the user's preset limit amount of '200,000 coins', a message to stop payment processing for the first product may be transmitted to the first POS terminal 140 .

According to an embodiment of the present invention, the payment proxy processing unit 113 may include a merchant account database 114 , a member account database 115 , an electronic wallet account extraction unit 116 , and a processing unit 117 .

In the affiliate store account database 114, an identifier for each of the plurality of offline affiliated stores and electronic wallet account information used for accumulating virtual currency for each of the plurality of offline affiliated stores are stored in correspondence with each other.

For example, information may be stored in the affiliate store account database 114 as shown in Table 1 below.

Identifiers of offline merchants E-wallet account information of offline merchants identifier 1 7WBnxajWzwdjrgCosMvXMBAExDadP2n3MU identifier 2 39amqiVzAo1CqvYAaIM4RnxjOM1Rez7ewd ... ...

In the member account database 115, a user identifier for each of a plurality of members and electronic wallet account information used for accumulating virtual currency for each of the plurality of members are stored in correspondence with each other.

For example, information may be stored in the member account database 115 as shown in Table 2 below.

User identifiers of multiple members Electronic wallet account information of multiple members user identifier 1 TDQA6nEvpdwcaVydPXYQ1b49uoy6T8zUFY user identifier 2 YUGkHzumTcSJ0brR7rJ5LsniF1N1y0GW6V ... ...

When the first user identifier is received from the first POS terminal 140 , the electronic wallet account extraction unit 116 stores the user's electronic wallet account information corresponding to the first user identifier from the member account database 115 . and the electronic wallet account information of the first offline affiliated store stored in correspondence with the identifier for the first offline affiliated store is extracted from the affiliated store account database 114 .

Based on the extracted user's e-wallet account information and the extracted e-wallet account information of the first offline merchant, the processing unit 117 calculates the virtual currency amount of the first product from the user's e-wallet account. 1 Complete the transfer process to the offline merchant's e-wallet account.

For example, it is said that 'user identifier 1' is received by the payment service device 110 as the first user identifier from the first POS terminal 140, and the identifier for the first offline affiliate is 'identifier 1', and the When the virtual currency amount of the first product is '150,000 coins', the electronic wallet account extraction unit 116 is stored in correspondence with 'user identifier 1', which is the first user identifier, from the member account database 115. Information on 'TDQA6nEvpdwcaVydPXYQ1b49uoy6T8zUFY', which is the user's electronic wallet account, and 'identifier 1', which is the identifier for the first offline affiliated store, are stored from the affiliated store account database 114 in correspondence with 'identifier 1', which is the electronic wallet account of the first offline affiliated store. Information about '7WBnxajWzwdjrgCosMvXMBAExDadP2n3MU' can be extracted.

Then, based on the extracted user's e-wallet account information and the extracted e-wallet account information of the first offline affiliated store, the processing unit 117 determines the virtual currency amount of '150,000 coins' of the first product. Transfer processing can be completed from 'TDQA6nEvpdwcaVydPXYQ1b49uoy6T8zUFY', the electronic wallet account of , to '7WBnxajWzwdjrgCosMvXMBAExDadP2n3MU', the electronic wallet account of the first offline merchant.

That is, the payment service device 110 provides product information for the first product purchased by the user at the first offline affiliated store and the amount of the first product from the first POS terminal 140 installed in the first offline affiliated store. After receiving the information, the first POS terminal 140 recognizes the 2D code stored in the user terminal 130 from the first POS terminal 140, and the first user identifier extracted from the 2D code is Upon receiving, it receives the current price information for the virtual currency from the virtual currency price information server 150 and converts the amount of the first product into the virtual currency amount based on the current price information for the virtual currency, and the second By completing the transfer processing from the user's electronic wallet account to the electronic wallet account of the first offline affiliated store for the virtual currency amount of one product, it is possible to support the user to conveniently purchase a product at the offline affiliated store.

According to an embodiment of the present invention, the payment proxy processing unit 113 includes a matrix storage unit 118, a syndrome generation unit 119, a feedback request unit 120, a verification syndrome generation unit 121, and a user authentication unit ( 122) and a processing unit 117 may be included.

The matrix storage unit 118 stores a parity check matrix corresponding to a preset generation matrix having an error correction capability for a t (t is a natural number) bit code used for user authentication.

The parity check matrix is a matrix for verifying whether an error occurs in the data received by the data receiving side when the data transmitting side transmits a codeword encoded based on a predetermined generation matrix to the data receiving side, If a generation matrix G of a size of kxn (k and n are natural numbers and n is a number greater than k) exists and a parity check matrix corresponding to the generation matrix G is 'H', the size of the parity check matrix H is the size of (nk) x n, and in relation to the generation matrix G, the characteristic shown in Equation 1 below exists.

Here, H ^T denotes a transpose matrix of the parity check matrix.

If the data transmitting side generates codeword c using the generation matrix G and transmits it to the data receiving side, the data received at the data receiving side is called 'r', and it is assumed that no error occurs in the data r, The data r has characteristics as shown in Equation 2 below in relation to the parity check matrix H.

e'가 될 것이고, 이로 인해 패리티 검사 행렬 H와 상기 데이터 r 사이에는 하기의 수학식 3과 같은 특성을 가지게 된다.However, if an error e has occurred in the codeword c transmitted by the data transmitting side, the data r received by the data receiving side is 'c'.

e', so that between the parity check matrix H and the data r, a characteristic is obtained as shown in Equation 3 below.

는 배타적 논리합 연산을 의미한다.here,

is an exclusive-OR operation.

를 만족하는 e를 찾아내기 위한 신드롬 디코딩(Syndrome Decoding)을 수행함으로써, 수신된 데이터 r에 포함된 에러 e를 찾아낼 수 있다.As in the operation in Equation 3, the data receiving side can detect whether an error exists in the data received at the data receiving side using the parity check matrix. In this case, in Equation 3, 'S' is called a syndrome, and the data receiving side calculates the syndrome based on the parity check matrix H,

An error e included in the received data r can be found by performing syndrome decoding to find e that satisfies .

를 만족하는 에러 코드 e를 찾아낼 수 있다.Syndrome decoding is performed only when the error correction capability of the parity check matrix is t and a data error occurs for bits less than or equal to t.

It is possible to find an error code e that satisfies .

When the first user identifier is received from the first POS terminal 140, the syndrome generator 119 randomly generates an error code having a Hamming weight t, and generates the error code and the parity check matrix. Create a syndrome for the error code based on the above.

Here, the Hamming weight means the number of code values of '1' in a set of code values composed of '0' and '1'.

The syndrome generator 119 may generate a syndrome for the error code based on Equation 4 below.

Here, e is an error code having a Hamming weight of t, and S is a syndrome.

The feedback request unit 120 transmits the error code to the user terminal 130 and at the same time transmits a feedback request of a codeword in which the error code is inserted as an error to the user terminal 130 .

At this time, according to an embodiment of the present invention, the user terminal 130 stores the preset generation matrix in a memory, and when the error code and the feedback request are received from the payment service device 110 , the error It is checked whether the Hamming weight of the code is t, and when it is confirmed that the Hamming weight of the error code is t, a random code is randomly generated, and the random code is generated based on the preset generation matrix stored in the memory. The code may be encoded to generate a first codeword, and the feedback code may be generated by inserting the error code into the first codeword as an error, and then the feedback code may be transmitted to the payment service device 110 .

In relation to this, when the error code received from the payment service device 110 is 'e', the user terminal 130 may first check whether the Hamming weight of the error code e is t.

When it is confirmed that the Hamming weight of the error code e is t, the user terminal 130 determines that the error code e is a code normally generated and transmitted by the payment service device 110, and randomly selects a predetermined random code. After generation, the first codeword may be generated by encoding the random code based on the preset generation matrix stored in the memory.

In relation to this, when the preset generation matrix is referred to as a generation matrix G having a size of kxn, the user terminal 130 randomly generates a random code having a size of k bits and then using the generation matrix G, the following equation According to the operation of 5, the first codeword may be generated.

Here, c denotes the first codeword, and r denotes the random code.

In this way, when the first codeword c is generated, the user terminal 130 may generate a feedback code by inserting the error code e into the first codeword c as an error according to the operation of Equation 6 below. .

Here, p means the feedback code.

In this way, when the feedback code p is generated, the user terminal 130 may transmit the feedback code to the payment service device 110 .

In this case, the verification syndrome generating unit 121 generates a first codeword generated in the user terminal 130 from the user terminal 130 (the first codeword is a random code generated in the user terminal 130 ). When a feedback code in which the error code is inserted as an error is received, which is a codeword generated by encoding based on the preset generation matrix stored in 130), it is verified from the feedback code based on the parity check matrix Create a dragon syndrome.

In relation to this, when the feedback code is p generated according to the operation of Equation 6, the verification syndrome generating unit 121 may generate the verification syndrome based on the operation of Equation 7 below. .

Here, S _c means the verification syndrome.

The user authentication unit 122 compares the syndrome with respect to the error code and the syndrome for verification, and when it is confirmed that both syndromes match each other, the authentication of the user terminal 130 is completed.

In relation to this, the user authentication unit 122 determines that the syndrome S for the error code calculated according to Equation 4 and the verification syndrome S _c calculated according to Equation 7 match each other, Authentication for the terminal 130 may be completed.

The fact that the syndrome S for the error code calculated according to Equation 4 and the verification syndrome S _c calculated according to Equation 7 match each other means that the user terminal 130 is stored in the payment service device 110 and Feedback code generated by inserting an error code having a Hamming weight of t issued by the payment service device 110 as an error for a codeword generated through a generation matrix having an error correction capability of t or less corresponding to the parity check matrix may be viewed as a meaning of being fed back to the payment service device 110 .

This can be proved by the operation of Equation 8 below.

로 연산될 것이고,

는 상기 수학식 4에서 나타낸 상기 에러 코드에 대한 신드롬 S와 동일해 진다.After the user terminal 130 generates a codeword through a generation matrix having an error correction capability of t or less corresponding to the parity check matrix stored in the payment service device 110, the payment service device for the generated codeword when hayeotdago 110 to produce a feedback code by inserting the error code is issued by a Hamming weight t is in error, the syndrome S _c for the verification in accordance with the operation of the equation (8)

will be calculated as

is equal to the syndrome S for the error code shown in Equation 4 above.

For this reason, the user authentication unit 122 determines that the syndrome S for the error code calculated according to Equation 4 and the verification syndrome S _c calculated according to Equation 7 match each other. It can be authenticated that the terminal 130 is a normal terminal registered as a member.

In this way, when the authentication for the user terminal 130 is completed, the processing unit 117 completes the transfer processing for the virtual currency amount of the first product from the user's electronic wallet account to the electronic wallet account of the first offline affiliated store. can do.

Figure 2 is a virtual currency-based payment processing in conjunction with a POS terminal (the POS terminal is a terminal that generates purchase information for products sold at the offline merchant) in an offline merchant according to an embodiment of the present invention; It is a flowchart illustrating an operation method of a supported payment service device.

In step S210, product information on the first product purchased by the user at the first offline affiliated store and information on the amount of the first product are received from the first POS terminal installed in the first offline affiliated store.

In step S220, a first user identifier from the first POS terminal (the first user identifier is a user identifier extracted from the two-dimensional code by recognizing a two-dimensional code pre-stored in the user terminal by the first POS terminal) ) is received.

In step S230, when the first user identifier is received from the first POS terminal, the current price information for the virtual currency is received from the virtual currency price information server, and based on the current price information for the virtual currency, the first After converting the product amount into a virtual currency amount and transferring the virtual currency amount of the first product from the user's electronic wallet account to the electronic wallet account of the first offline affiliated store, the first POS terminal to transmit a payment processing completion message for the first product.

At this time, according to an embodiment of the present invention, if it is determined that the virtual currency amount of the first product exceeds the user's preset limit amount in step S230, the first product is sent to the first product by the first POS terminal. You can send a message to stop payment processing for

In addition, according to an embodiment of the present invention, in step S230, the identifier for each of the plurality of offline affiliated stores and the electronic wallet account information used for accumulating virtual currency for each of the plurality of offline affiliated stores correspond to each other, maintaining a stored merchant account database; a member account database in which user identifiers for each of a plurality of members and electronic wallet account information used for accumulating virtual currency for each of the plurality of members are stored in correspondence with each other maintaining, when the first user identifier is received from the first POS terminal, the user's electronic wallet account information stored in correspondence with the first user identifier from the member account database and the first user identifier from the affiliate store account database 1 extracting the electronic wallet account information of the first offline affiliated store stored corresponding to the identifier for the offline affiliated store, and based on the extracted user's electronic wallet account information and the extracted electronic wallet account information of the first offline affiliated store In some embodiments, the method may include completing a transfer process from the user's electronic wallet account to the electronic wallet account of the first offline affiliated store for the virtual currency amount of the first product.

In addition, according to an embodiment of the present invention, in step S230, a parity check matrix corresponding to a preset generation matrix having an error correction capability for a t (t is a natural number) bit code used for user authentication is maintaining a stored matrix storage; when the first user identifier is received from the first POS terminal, randomly generating an error code having a Hamming weight t, and based on the error code and the parity check matrix generating a syndrome for an error code; transmitting the error code to the user terminal and simultaneously transmitting a feedback request for a codeword in which the error code is inserted as an error to the user terminal; A first codeword generated in the user terminal (the first codeword is a codeword generated by encoding a random code generated in the user terminal based on the preset generation matrix pre-stored in the user terminal) generating a verification syndrome from the feedback code based on the parity check matrix when a feedback code in which the error code is inserted as an error is received When it is confirmed that they match each other, completing the authentication for the user terminal and when the authentication for the user terminal is completed, the first offline in the user's electronic wallet account for the virtual currency amount of the first product It may include the step of completing the transfer processing to the electronic wallet account of the merchant.

At this time, according to an embodiment of the present invention, the user terminal stores the preset generation matrix in a memory, and when the error code and the feedback request are received from the payment service device, the Hamming weight of the error code is t, and when it is confirmed that the Hamming weight of the error code is t, the random code is randomly generated, and the random code is encoded based on the preset generation matrix stored in the memory. to generate the first codeword, the feedback code may be generated by inserting the error code into the first codeword as an error, and then the feedback code may be transmitted to the payment service device.

In the above, an operation method of a payment service device supporting virtual currency-based payment processing in conjunction with a POS terminal in an offline affiliated store according to an embodiment of the present invention has been described with reference to FIG. 2 . Here, the operating method of the payment service device supporting virtual currency-based payment processing in conjunction with the POS terminal at the offline affiliated store according to an embodiment of the present invention is described with reference to FIG. 1 by interworking with the POS terminal at the offline affiliated store. Since it may correspond to the configuration of the operation of the payment service device 110 supporting virtual currency-based payment processing, a more detailed description thereof will be omitted.

The operating method of a payment service device supporting virtual currency-based payment processing in conjunction with a POS terminal in an offline affiliated store according to an embodiment of the present invention is implemented as a computer program stored in a storage medium for execution through combination with a computer. can be

In addition, the operating method of a payment service device supporting virtual currency-based payment processing in conjunction with a POS terminal in an offline affiliated store according to an embodiment of the present invention is implemented in the form of a program command that can be performed through various computer means. It may be recorded on a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like alone or in combination. The program instructions recorded in the medium may be specially designed and configured for the present invention, or may be known and usable to those skilled in computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. -A hardware device specially configured to store and execute program instructions such as magneto-optical media, and ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes such as those produced by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like.

As described above, in the present invention, specific matters such as specific components, etc., and limited embodiments and drawings have been described, but this is provided only to help a more general understanding of the present invention, and the present invention is not limited to the above embodiments. , If a person of ordinary skill in the field to which the present invention belongs, various modifications and variations are possible from these descriptions.

Therefore, the spirit of the present invention is limited to the described embodiments and should not be defined, and all things that are equivalent or equivalent to the claims as well as the claims to be described later fall within the scope of the spirit of the present invention. .

110: Payment service device supporting virtual currency-based payment processing in conjunction with POS terminals at offline affiliates
111: product information receiving unit 112: identifier receiving unit
113: payment processing unit 114: merchant account database
115: member account database 116: e-wallet account extraction unit
117: processing unit 118: matrix storage unit
119: syndrome generating unit 120: feedback requesting unit
121: syndrome generating unit for verification 122: user authentication unit
130: user terminal 140: first POS terminal
150: virtual currency price information server

Claims (12)

A payment service supporting virtual currency-based payment processing in conjunction with a POS (Point of Sale) terminal at an offline affiliated store - The POS terminal is a terminal that generates purchase information for products sold at the offline affiliated store In the device,
a product information receiver configured to receive product information on a first product purchased by a user at the first offline affiliated store and information on an amount of the first product from a first POS terminal installed in a first offline affiliated store;
Identifier for receiving a first user identifier from the first POS terminal, wherein the first user identifier is a user identifier extracted from the two-dimensional code by recognizing a two-dimensional code pre-stored in the user terminal by the first POS terminal receiver; and
When the first user identifier is received from the first POS terminal, the current price information for the virtual currency is received from the virtual currency price information server, and the amount of the first product is virtualized based on the current price information for the virtual currency. After converting into currency amount and transferring the virtual currency amount of the first product from the electronic wallet account of the user to the electronic wallet account of the first offline affiliated store, the first product is transferred to the first POS terminal Payment processing unit to send payment processing completion message for
Including,
The payment processing unit
a matrix storage unit storing a parity check matrix corresponding to a predetermined (predetermined) generation matrix having an error correction capability for t (t is a natural number) bit code used for user authentication;
a merchant account database in which an identifier for each of a plurality of offline merchants and electronic wallet account information used for accumulating virtual currency for each of the plurality of offline merchants are stored in correspondence with each other;
a member account database in which a user identifier for each of a plurality of members and electronic wallet account information used for accumulating virtual currency for each of the plurality of members are stored in correspondence with each other;
When the first user identifier is received from the first POS terminal, an error code having a Hamming weight of t is randomly generated, and a syndrome for the error code is generated based on the error code and the parity check matrix ( Syndrome) generating a syndrome generating unit;
a feedback request unit for transmitting the error code to the user terminal and simultaneously transmitting a feedback request for a codeword in which the error code is inserted as an error to the user terminal;
A first codeword generated in the user terminal from the user terminal - The first codeword is generated by encoding a random code generated in the user terminal based on the preset generation matrix pre-stored in the user terminal a verification syndrome generating unit that generates a verification syndrome from the feedback code based on the parity check matrix when a feedback code in which the error code is inserted as an error is received;
a user authentication unit that compares the error code syndrome with the verification syndrome and completes the authentication of the user terminal when it is confirmed that the two syndromes match each other;
When the authentication for the user terminal is completed, the user's electronic wallet account information stored in correspondence with the first user identifier from the member account database and the identifier for the first offline affiliate store are stored in correspondence with the merchant account database an electronic wallet account extraction unit for extracting electronic wallet account information of the first offline affiliated store; and
Based on the extracted electronic wallet account information of the user and the extracted electronic wallet account information of the first offline affiliated store, the electronic wallet account of the first offline affiliate store for the virtual currency amount of the first product The processing unit that completes the transfer processing to the wallet account
Including,
The user terminal
The preset generation matrix is stored in a memory, and when the error code and the feedback request are received from the payment service device, it is checked whether the Hamming weight of the error code is t, and the Hamming weight of the error code is When it is confirmed that t is t, the random code is randomly generated, the first codeword is generated by encoding the random code based on the preset generation matrix stored in the memory, and the first codeword is generated. After generating the feedback code by inserting the error code as an error, the feedback code is transmitted to the payment service device,
A payment service device that supports virtual currency-based payment processing in conjunction with POS terminals at offline affiliates. The method of claim 1,
The payment processing unit
When it is determined that the virtual currency amount of the first product exceeds the user's predetermined limit amount, the POS at the offline affiliate store that transmits a message to stop payment processing for the first product to the first POS terminal A payment service device that supports virtual currency-based payment processing in conjunction with a terminal. delete delete delete A payment service supporting virtual currency-based payment processing in conjunction with a POS (Point of Sale) terminal at an offline affiliated store - The POS terminal is a terminal that generates purchase information for products sold at the offline affiliated store In the method of operation of the device,
receiving, from a first POS terminal installed in a first offline affiliated store, product information on a first product purchased by a user at the first offline affiliated store and information on an amount of the first product;
Receiving a first user identifier from the first POS terminal, wherein the first user identifier is a user identifier extracted from the two-dimensional code by recognizing a two-dimensional code pre-stored in the user terminal by the first POS terminal ; and
When the first user identifier is received from the first POS terminal, the current price information for the virtual currency is received from the virtual currency price information server, and the amount of the first product is virtualized based on the current price information for the virtual currency. After converting into currency amount and transferring the virtual currency amount of the first product from the electronic wallet account of the user to the electronic wallet account of the first offline affiliated store, the first product is transferred to the first POS terminal Sending a payment processing completion message for
Including,
The step of transmitting the payment processing completion message for the first product is
maintaining a matrix storage unit in which a parity check matrix corresponding to a predetermined generation matrix having an error correction capability for a t (t is a natural number) bit code used for user authentication is stored;
maintaining an affiliate store account database in which an identifier for each of a plurality of offline affiliated stores and electronic wallet account information used for accumulating virtual currency for each of the plurality of offline affiliated stores are stored in correspondence with each other;
maintaining a member account database in which a user identifier for each of a plurality of members and electronic wallet account information used for accumulation of virtual currency for each of the plurality of members are stored in correspondence with each other;
When the first user identifier is received from the first POS terminal, an error code having a Hamming weight of t is randomly generated, and a syndrome for the error code is generated based on the error code and the parity check matrix ( Syndrome);
transmitting the error code to the user terminal and simultaneously transmitting a feedback request of a codeword in which the error code is inserted as an error to the user terminal;
A first codeword generated in the user terminal from the user terminal - The first codeword is generated by encoding a random code generated in the user terminal based on the preset generation matrix pre-stored in the user terminal generating a verification syndrome from the feedback code based on the parity check matrix when a feedback code in which the error code is inserted as an error is received;
Comparing the syndrome for the error code and the syndrome for verification, and when it is confirmed that the syndromes coincide with each other, completing authentication for the user terminal;
When the authentication for the user terminal is completed, the user's electronic wallet account information stored in correspondence with the first user identifier from the member account database and the identifier for the first offline affiliate store are stored in correspondence with the merchant account database extracting the electronic wallet account information of the first offline affiliated store; and
Based on the extracted electronic wallet account information of the user and the extracted electronic wallet account information of the first offline affiliated store, the electronic wallet account of the first offline affiliate store for the virtual currency amount of the first product Steps to complete the transfer processing to your wallet account
Including,
The user terminal
The preset generation matrix is stored in a memory, and when the error code and the feedback request are received from the payment service device, it is checked whether the Hamming weight of the error code is t, and the Hamming weight of the error code is When it is confirmed that t is t, the random code is randomly generated, the first codeword is generated by encoding the random code based on the preset generation matrix stored in the memory, and the first codeword is generated. After generating the feedback code by inserting the error code as an error, the feedback code is transmitted to the payment service device,
A method of operating a payment service device that supports virtual currency-based payment processing in conjunction with a POS terminal at an offline merchant. The method of claim 6,
The step of transmitting the payment processing completion message for the first product is
When it is determined that the virtual currency amount of the first product exceeds the user's predetermined limit amount, the POS at the offline affiliate store that transmits a message to stop payment processing for the first product to the first POS terminal A method of operating a payment service device that interworks with a terminal to support virtual currency-based payment processing. delete delete delete A computer-readable recording medium recording a computer program for executing the method of any one of claims 6 or 7 through combination with a computer. A computer program stored in a storage medium for executing the method of any one of claims 6 or 7 through combination with a computer.

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