KR102518790B1 - Payment service providing server for providing utility bill payment service using virtual currency, and operating method thereof - Google Patents

Abstract

A payment service providing server for providing a public bill payment service using virtual currency and an operating method thereof are disclosed. The present invention proposes a payment service providing server that allows users to pay public utility bills such as electricity bills, water bills, gas bills, and the like through virtual currency they own and an operation method thereof, thereby providing users with an opportunity to pay utility bills using more diverse payment methods. The payment service providing server includes: an identification information storage part; a membership database; a confirmation part; an update processing part; and a payment processing part.

Description

Payment service providing server and operation method for providing utility bill payment service using virtual currency

The present invention relates to a payment service providing server and an operation method thereof for providing a public utility bill payment service using virtual currency.

Recently, as interest in virtual currencies has increased, the number of investors investing in these virtual currencies is also increasing. These virtual currencies are often used as an investment target. Recently, as a number of companies or institutions have launched services that allow users to directly pay for goods or services using virtual currencies, virtual currency Its use as currency is increasing.

In general, utility bills such as electricity bills, water bills, gas bills, etc. are bills that users regularly pay every month, and are generally configured to allow payment through cash, credit cards, or the like.

In this regard, as described above, as various payment services using virtual currencies have recently appeared, users have their own There is an increasing need to consider the introduction of services that enable payment of public utility bills using virtual currencies that exist. In addition, since the payment service that enables public utility bill payment using virtual currency is a new type of payment service, a new type of security technology different from the existing user authentication method needs to be applied in the payment process.

In addition, given that energy saving has emerged as an important issue in recent years, in the public utility bill payment service using such virtual currency, when the amount of public utility bills is lower than the existing amount of use, a predetermined reward is provided to users. By doing so, it is possible to consider the introduction of additional services that induce users to conserve electricity, gas, water, and the like.

The present invention provides a payment service providing server and method of operation that support users to pay public bills such as electricity bills, water bills, gas bills, etc. through their own virtual currency, thereby providing users with a variety of We want to provide an opportunity to pay public utility bills using a payment method.

A payment service providing server for providing a utility bill payment service using virtual currency according to an embodiment of the present invention is configured to operate servers of each of a plurality of public charge collection institutions for which a pre-affiliation has been completed for providing the utility bill payment service. An identification information storage unit in which server identification information for the server is stored, member identification information of each of the plurality of members subscribed to the utility bill payment service, and information on the amount of virtual currency held by each of the plurality of members are stored in correspondence with each other member database, while the member identification information of the first member is received from the first electronic terminal of the first member among the plurality of members, the first public charge collection agency among the plurality of public charge collection agencies is charged. When a request for payment processing using the virtual currency for the first public utility bill is received, member authentication is performed to determine whether the first member is a member subscribed to the public utility bill payment service, and then the first member is verified on the member database. A verification unit for checking information on the amount of virtual currency held by the first member stored in correspondence with member identification information of 1 member, accessing a preset virtual currency quote information server to obtain current quote information on the virtual currency Then, based on the current tense information on the virtual currency, the amount of virtual currency corresponding to the market price of the first utility bill is subtracted from the amount of virtual currency held by the first member stored in the member database, an update processing unit for updating information on the amount of virtual currency held by the first member stored in the first member, and when the information on the amount of virtual currency held by the first member is updated, the first public charge stored in the identification information storage unit Based on the first server identification information for the operating server of the receiving organization, access is made to the operating server of the first public charge collection agency, and the operating server of the first public charge collection agency is transferred to the first public charge collection agency of the first member. When the payment processing completion message is transmitted to the payment processing completion message transmission unit for transmitting a payment processing completion message indicating that payment processing is completed and the operation server of the first utility bill collection institution is completed, the first electronic terminal and a payment completion message transmitter for transmitting a payment completion message indicating that payment processing for the first utility bill using the virtual currency has been completed.

In addition, in an operating method of a payment service providing server for providing a utility bill payment service using virtual currency according to an embodiment of the present invention, a plurality of public charge collection institutions for which a prior partnership for providing the public charge payment service has been completed. Maintaining an identification information storage unit in which server identification information for each operation server is stored, the member identification information of each of a plurality of members subscribed to the utility bill payment service and the amount of virtual currency held by each of the plurality of members Maintaining a member database in which information about the plurality of public charges is stored in correspondence with each other, while member identification information of the first member is received from a first electronic terminal of a first member among the plurality of members, and the plurality of public utility charges are collected. When a payment processing request using the virtual currency for the first public utility bill charged by the first public utility bill collection institution among institutions is received, a member that determines whether or not the first member is a member subscribed to the public utility bill payment service. After authentication, checking information on the amount of virtual currency held by the first member stored in correspondence to the member identification information of the first member on the member database, accessing a preset virtual currency market price information server After acquiring the current price information on the virtual currency, based on the current price information on the virtual currency, the first member's virtual currency holding amount stored in the member database determines the market price of the first utility bill. Updating information on the amount of virtual currency held by the first member stored in the member database by deducting the corresponding amount of virtual currency; storing the identification information when the information on the amount of virtual currency held by the first member is updated Based on the first server identification information for the operating server of the first public charge collection agency stored in the unit, the operating server of the first public charge collection agency is accessed, and the operating server of the first public charge collection agency is accessed. , Transmitting a payment processing completion message indicating that the payment processing for the first utility bill by the first member has been completed, and when the payment processing completion message is transmitted to an operation server of the first public utility bill collection institution, and transmitting, to the first electronic terminal, a payment completion message indicating that payment processing for the first utility bill using the virtual currency has been completed.

The present invention provides a payment service providing server and method of operation that support users to pay public bills such as electricity bills, water bills, gas bills, etc. through their own virtual currency, thereby providing users with a variety of An opportunity to pay utility bills using a payment method can be provided.

1 is a diagram showing the structure of a payment service providing server for providing a utility bill payment service using virtual currency according to an embodiment of the present invention.
2 is a flowchart illustrating an operating method of a payment service providing server for providing a utility bill payment service using virtual currency 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. This description is not intended to limit the present invention to specific embodiments, but should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention. While describing each drawing, similar reference numerals have been used for similar components, and unless otherwise defined, all terms used in this specification, including technical or scientific terms, are common knowledge in the art to which the present invention belongs. has the same meaning as commonly understood by the person who has it.

In this document, when a certain component is said to "include", it means that it may further include other components without excluding other components unless otherwise stated. In addition, in various embodiments of the present invention, each component, functional block, or means may be composed of one or more sub-components, and the electrical, electronic, and mechanical functions performed by each component are electronic It may be implemented with various known elements or mechanical elements such as circuits, integrated circuits, ASICs (Application Specific Integrated Circuits), and may be implemented separately or two or more may be integrated into one.

On the other hand, the blocks of the accompanying block diagram or the steps of the flowchart are computer program instructions that perform designated functions by being loaded into a processor or memory of a device capable of data processing, such as a general-purpose computer, a special purpose computer, a portable notebook computer, and a network computer. can be interpreted as meaning Since these computer program instructions may be stored in a memory included in a computer device or in a computer readable memory, the functions described in blocks of a block diagram or steps of a flowchart are produced as a product containing instruction means for performing them. It could be. Further, each block or each step may represent a module, segment or portion of code that includes one or more executable instructions for executing specified logical function(s). Also, it should be noted that in some alternative embodiments, functions mentioned in blocks or steps may be executed out of a predetermined order. For example, two blocks or steps shown in succession may be performed substantially simultaneously or in reverse order, and in some cases, some blocks or steps may be omitted.

1 is a diagram showing the structure of a payment service providing server for providing a utility bill payment service using virtual currency according to an embodiment of the present invention.

Referring to FIG. 1, the payment service providing server 110 according to the present invention includes an identification information storage unit 111, a member database 112, a confirmation unit 113, an update processing unit 114, and a payment processing completion message transmission unit. (115) and a payment completion message transmission unit (116).

The identification information storage unit 111 stores server identification information for each operating server of a plurality of public charge collection agencies for which a prior partnership for providing the public charge payment service has been completed.

Here, the server identification information is unique information for identifying the operating server of each public charge collection agency, such as MAC (Media Access Control) address assigned to the server, IP address, predetermined unique identification information for each public charge collection agency, etc. means

In the member database 112, member identification information of each of the plurality of members subscribed to the utility bill payment service and information on the holding amount of virtual currency of each of the plurality of members are stored in correspondence with each other.

Here, the member identification information refers to unique information for identifying each member, such as each member's ID, mobile phone number, and resident registration number.

For example, information as shown in Table 1 below may be stored in the member database 112 .

Member identification information Virtual currency holdings Member identification information 1 100 coins Member identification information 2 200 coins Member identification information 3 50coin ... ...

The identification unit 113 receives the member identification information of the first member 11 from the first electronic terminal 10 of the first member 11 among the plurality of members, and the plurality of public charge collection institutions When a request for payment processing using the virtual currency for the first public utility bill charged by the first public utility bill collection institution is received, the first member 11 determines whether or not the member subscribed to the public utility bill payment service is a member. After authentication is performed, information on the amount of virtual currency held by the first member 11 stored in the member database 112 corresponding to the member identification information of the first member 11 is checked.

For example, when the member identification information of the first member 11 received from the first electronic terminal 10 of the first member 11 is 'member identification information 1', the confirmation unit 113 determines the first member ( 11) After performing membership authentication on whether or not the member subscribed to the public utility bill payment service is correct, the first member 11 stored in correspondence with 'member identification information 1' on the member database 112 Information on currency holdings can be checked with '100coin'.

At this time, according to an embodiment of the present invention, the confirmation unit 113 has a specific configuration for proceeding with member authentication for the first member 11, and includes a column vector storage unit 121 and an authentication event generator 122. , calculation unit 123, combination matrix generation unit 124, random code generation unit 125, feedback request unit 126, calculation matrix generation unit 127, code verification unit 128, and authentication completion unit 129 ) may be included.

The column vector storage unit 121 stores n (n is a natural number equal to or greater than 2) column vectors previously shared with the first electronic terminal 10 .

Here, each of the n column vectors is a column vector having a size of 1 x n, and among n components constituting each of the n column vectors, a component located in a predetermined column is designated as 1; Components located in the remaining columns are designated as 0, and each of the n column vectors is assigned a different integer number between 0 and n-1 as a unique number.

For example, when n is '3', '3' column vectors may be stored in the column vector storage unit 121 as shown in Table 2 below.

3 column vectors unique number column vector 1

0 column vector 2

One column vector 3

2

When the authentication event generating unit 122 receives a payment processing request using the virtual currency for the first public utility bill while receiving member identification information of the first member 11 from the first electronic terminal 10, The first member 11 generates an authentication event to perform member authentication as to whether or not the member subscribed to the utility bill payment service is correct.

When the authentication event occurs, the calculation unit 123 obtains a date value at the current point in time at which the authentication event occurred, and performs a modulo operation with n as a divisor on the date value. Calculate 1 operation value.

Here, the modulo operation refers to an operation of calculating a remainder by performing division by dividing a dividend by a divisor.

When the first operation value is calculated, the coupling matrix generator 124 selects a column vector to which the first operation value is assigned as a unique number among the n column vectors stored in the column vector storage unit 121. After extracting the remaining n-1 column vectors, the size of (n-1) x n is obtained by sequentially combining the n-1 column vectors in descending order of the unique numbers assigned to the n-1 column vectors. Create an association matrix with

When the combination matrix is generated, the random code generator 125 randomly generates n-1 authentication codes and (n-1) ^two dummy codes.

When the n-1 authentication codes and the (n-1) ² dummy codes are generated, the feedback requesting unit 126 sends the n-1 authentication codes and the (n-1) ² dummy codes. While transmitting to the first electronic terminal 10, transmission of the feedback matrix to the first electronic terminal 10 is requested.

In response to the transmission request of the feedback matrix from the first electronic terminal 10, the operation matrix generator 127 generates a first feedback matrix (the first feedback matrix is a [(n-1) Each of the n-1 components to which 1 is designated among the xn] components is substituted with the n-1 authentication codes, and each of the (n-1) ^two components to which 0 is designated is the ( n-1) When a matrix having a size of (n-1) xn, generated by replacing one by one with ^two dummy codes) is received, a Hadamard product between the first feedback matrix and the combination matrix is obtained. It is calculated to generate a first calculation matrix.

Here, the Hadamard product means an operation of multiplying each component in a matrix of the same size. For example, when there are matrices '[a b c]' and '[x y z]', if a Hadamard product between the two matrices is calculated, a matrix '[ax by cz]' can be calculated.

When the first operation matrix is generated, the code checking unit 128 extracts first components that are non-zero components among the components constituting the first operation matrix, and then the first components are the n-1 authentication components. Check whether all codes match.

When it is confirmed that the first components match all of the n-1 number of authentication codes, the authentication completion unit 129 performs an authentication process that the first member 11 is a member subscribed to the utility bill payment service. complete

Hereinafter, an authentication event generating unit 122, a calculating unit 123, a combination matrix generating unit 124, a random code generating unit 125, a feedback requesting unit 126, an operation matrix generating unit 127, and a code check Operations of the unit 128 and the authentication completion unit 129 will be described in detail by way of example.

First, as in the above example, when n is '3' and member identification information of the first member 11 is received from the first electronic terminal 10, the virtual currency for the first utility bill is used. When it is determined that the payment processing request has been received, the authentication event generation unit 122 generates an authentication event to perform member authentication as to whether the first member 11 is a member subscribed to the utility bill payment service. can

If the date at the current time when the authentication event occurred is 'August 31, 2021', the calculation unit 123 obtains '20210831', which is a date value at the current time when the authentication event occurred, , a first calculation value of '2' may be calculated by performing a modulo operation with '3' as a divisor for the date value '20210831'.

'과 같이 생성할 수 있다.Then, the combination matrix generator 124 is configured to assign the first operation value '2' as a unique number among the '3' column vectors stored in the column vector storage unit 121 as shown in Table 2 above. Excluding the column vector 'Column Vector 3', the remaining '2' column vectors 'Column Vector 1 and Column Vector 2' can be extracted. Then, the combination matrix generation unit 124 sequentially combines 'Column Vector 1 and Column Vector 2' in descending order of the magnitudes of '0 and 1', which are unique numbers assigned to 'Column Vector 1 and Column Vector 2'. '2 x 3' associative matrix with size '

' can be created.

In this way, when the combination matrix is generated, the random code generator 125 may randomly generate '2' authentication codes and '4' dummy codes.

In relation to this, it is assumed that '2' authentication codes, 'C1 and C2', and '4' dummy codes, 'D1, D2, D3, D4' are generated by the random code generator 125. , The feedback requesting unit 126 transmits '2' authentication codes 'C1, C2' and '4' dummy codes 'D1, D2, D3, D4' to the first electronic terminal 10, 1 may request transmission of a feedback matrix to the electronic terminal 10 .

At this time, according to an embodiment of the present invention, the first electronic terminal 10 pre-stores the n column vectors in the memory of the first electronic terminal 10, and the payment service providing server 110 stores the n column vectors in advance. When n-1 authentication codes and the (n-1) ^two dummy codes are received and a request to transmit the feedback matrix is received, a date value for the current point in time is obtained, and n is calculated for the date value. After calculating the first operation value by performing a modulo operation as a divisor, the first operation value among the n column vectors pre-stored in the first electronic terminal 10 is assigned as a unique number, extracts the remaining n-1 column vectors except for the column vectors in the n-1 column vectors, and sequentially combines the n-1 column vectors in order of small numbers assigned to the n-1 column vectors (n -1) After generating the coupling matrix having a size of xn, each of the n-1 components to which 1 is designated among the [(n-1) xn] components constituting the coupling matrix is selected as the n-1 By substituting each of the (n-1) two authentication codes one by one, and replacing each of the (n-1) ^two components to which 0 is designated, one by one with the (n-1) ^two dummy codes, (n-1) having a size of xn The first feedback matrix may be generated and transmitted to the payment service providing server 110 .

In relation to this, as in the above example, n is '3' and '3' column vectors as shown in Table 2 are 'column vector 1, column vector 2, and column vector in the memory of the first electronic terminal 10. 3' is pre-stored, from the payment service providing server 110 to the first electronic terminal 10, '2' authentication codes 'C1 and C2' and '4' dummy codes 'D1, When D2, D3, and D4' are received, and it is assumed that the request to transmit the feedback matrix has been received, the first electronic terminal 10 obtains '20210831', which is the date value for the current point in time, and '20210831', which is the date value. The first operation value may be calculated as '2' by performing a modulo operation with '3' as a divisor for .

Then, the first electronic terminal 10 selects the first operation value '2' among the '3' column vectors pre-stored in the first electronic terminal 10, which is a column vector ' that is assigned as a unique number. Except for column vector 3, 'column vector 1 and column vector 2', which are the remaining '2' column vectors, can be extracted.

'과 같이 생성할 수 있다. 그러고 나서, 제1 전자 단말(10)은 상기 결합 행렬인 '

'을 구성하는 '6'개의 성분들 중 1이 지정되어 있는 '2'개의 성분들 각각을 '2'개의 인증 코드들인 'C1, C2'로 하나씩 치환하고, 0이 지정되어 있는 '4'개의 성분들 각각을 '4'개의 더미 코드들인 'D1, D2, D3, D4'로 하나씩 치환함으로써, '2 x 3' 크기를 갖는 제1 피드백 행렬을 '

'와 같이 생성할 수 있다.Thereafter, the first electronic terminal 10 sequentially combines 'Column Vector 1 and Column Vector 2' in the descending order of the unique numbers '0 and 1' assigned to 'Column Vector 1 and Column Vector 2'. '2 x 3' associative matrix with size '

' can be created. Then, the first electronic terminal 10 is the coupling matrix '

Among the '6' components constituting ', each of the '2' components to which 1 is designated is substituted one by one with '2' authentication codes, 'C1 and C2', and '4' components to which 0 is designated. By replacing each of the components with '4' dummy codes 'D1, D2, D3, D4' one by one, the first feedback matrix having a size of '2 x 3' is '

' can be created.

'를 결제 서비스 제공 서버(110)로 전송할 수 있다.After that, the first electronic terminal 10 is the first feedback matrix '

' may be transmitted to the payment service providing server 110.

'와 상기 결합 행렬인 '

' 간의 아다마르 곱을 연산하여 제1 연산 행렬을 '

'과 같이 생성할 수 있다.In this way, when the first feedback matrix is received from the first electronic terminal 10 to the payment service providing server 110, the operation matrix generator 127 generates the first feedback matrix '

' and the combination matrix '

' Calculate the Hadamard product between the first operation matrix '

' can be created.

Then, the code checking unit 128 extracts first components, which are non-zero components among the components constituting the first operation matrix, as 'C1, C2', and then extracts 'C1, C2', which are the first components. It can be checked whether the '2' authentication codes 'C1 and C2' all match. At this time, in this embodiment, since the first components 'C1 and C2' match all of the '2' authentication codes 'C1 and C2', the authentication completion unit 129 determines that the first member 11, The authentication process may be completed when the member subscribed to the utility bill payment service is correct.

In this way, when membership authentication for the first member 11 is completed by the authentication completion unit 129, the confirmation unit 113 corresponds to the member identification information of the first member 11 on the member database 112 Information on the amount of virtual currency held by the first member 11 may be checked.

In this way, when the confirmation of the information on the amount of virtual currency held by the first member 11 is completed through the confirmation unit 113, the update processing unit 114 accesses the preset virtual currency market information server 100 to obtain the virtual currency. After obtaining the current quote information on the currency, based on the current tense information on the virtual currency, the amount of the first public charge from the virtual currency holding amount of the first member 11 stored in the member database 112 By deducting the amount of virtual currency corresponding to the market price, information on the amount of virtual currency held by the first member 11 stored in the member database 112 is updated.

For example, as in the above example, the amount of virtual currency held by the first member 11 is '100coin', the first public charge is '30,000 won', and the current market price for virtual currency is '1coin = 10,000 won'. ', the update processor 114 determines the amount of virtual currency corresponding to the market price of '30,000 won', which is the first public charge, from '100 coins', which is the amount of virtual currency held by the first member 11, based on the current market price. By deducting '3coin', which is '3coin', information on the amount of virtual currency held by the first member 11 stored in the member database 112 may be updated to '97coin'.

When the information on the amount of virtual currency held by the first member 11 is updated, the payment processing completion message transmission unit 115 transmits the operation server 101 of the first public charge collection institution stored in the identification information storage unit 111. ), by accessing the operation server 101 of the first public charge collection agency based on the first server identification information for the first public charge collection agency, A payment processing completion message indicating that payment processing for the first utility bill is completed is transmitted.

In this way, when the payment processing completion message is received by the operation server 101 of the first public charge collection institution, the operation server 101 of the first public charge collection institution The payment process for the charges may be processed as completed, and the first public charge collection institution may later pay the first public charge to be paid by the first member 11 from the operator of the payment service providing server 110 of the present invention. You can get a settlement in cash for

When the payment processing completion message is transmitted to the operation server 101 of the first public charge collection institution, the payment completion message transmission unit 116 transmits the payment completion message to the first electronic terminal 10 to send a message about the first public charge. A payment completion message indicating that payment processing using virtual currency has been completed is transmitted.

According to one embodiment of the present invention, the payment service providing server 110 further includes a mileage accumulation processing unit 117, an accumulated amount check unit 118, a mileage conversion unit 119, and a conversion completion message transmission unit 120. can do.

When the payment completion message is transmitted to the first electronic terminal 10 by the payment completion message transmission unit 116, the mileage accumulation processing unit 117 calculates the amount of the first public utility bill as the amount of the first public utility bill. mileage accumulation indicating that cash equivalent mileage of a predetermined amount has been accumulated for the first member 11 when it is confirmed whether the amount of public utility charges charged for the immediately previous round of the round in question has been reduced. After generating the information, the mileage earning information and date information at the time when the mileage earning information is generated are stored in correspondence with the member identification information of the first member 11 in the member database 112 .

For example, if the amount of the first public charge is '30,000 won' and the amount of public charge charged to the first member 11 in the immediately preceding round is '40,000 won', the mileage accumulation processing unit ( 117) may accumulate the preset amount of cash equivalent mileage for the first member 11 since the amount of public utility charges for the current round is lower than the amount of public charges for the previous round.

In this regard, when the preset amount of cash equivalent mileage is '100 won' and the member identification information of the first member 11 is 'member identification information 1', the mileage accumulation processor 117 After generating mileage accumulation information indicating that cash equivalent mileage corresponding to '100 won' was accumulated for (11), as shown in Table 3 below, the mileage accumulation information and the date information at the time when the mileage accumulation information was generated may be stored in correspondence with 'member identification information 1' on the member database 112.

Member identification information Virtual currency holdings Mileage accrual information Member identification information 1 97coin August 31, 2021, 100 won mileage accumulation Member identification information 2 200 coins ... Member identification information 3 50coin ... ... ... ...

When the accumulated amount checking unit 118 receives a conversion request instructing conversion of the cash equivalent mileage accumulated for the first member 11 from the first electronic terminal 10 into the virtual currency, the member database 112 ), by checking the mileage accumulation information stored in correspondence with the member identification information of the first member 11, the accumulated amount of cash mileage accumulated for the first member is confirmed.

In relation to this, if the member identification information of the first member 11 is 'member identification information 1' and the cash equivalent mileage for the first member 11 is accumulated as '100 won' as shown in Table 3, the accumulated When the amount confirmation unit 118 receives a conversion request instructing conversion of the cash equivalent mileage accumulated for the first member 11 from the first electronic terminal 10 into the virtual currency, the member database 112 By checking the mileage accumulation information stored in correspondence with 'member identification information 1' above, it is possible to confirm the accumulated amount of cash equivalent mileage accumulated for the first member 11 as '100 won'. If, as the number of times the first member 11 reduced public charges exists several times, it is assumed that there are a plurality of mileage accumulation information stored in correspondence with 'member identification information 1' in the member database 112. , The cumulative amount check unit 118 checks a plurality of mileage accumulation information stored in correspondence with 'member identification information 1' on the member database 112, and sums the cash equivalent mileage according to the plurality of mileage accumulation information. , It is possible to check the accumulated amount of cash equivalent mileage accumulated for the first member 11 .

The mileage conversion unit 119 accesses the virtual currency quote information server 100, obtains current quote information on the virtual currency, and then stores the information in the member database 112 based on the current quote information on the virtual currency. The amount of virtual currency held by the first member 11 stored in the member database 112 is increased by increasing the amount of virtual currency corresponding to the market price by the cumulative amount in the stored amount of virtual currency of the first member 11. update information

In this regard, as in the above example, when the cumulative amount of the cash equivalent mileage confirmed for the first member 11 is '100 won' and the current market price for the virtual currency is '1 coin = 10,000 won' , The mileage conversion unit 119 may update '97coin', which is the amount of virtual currency held by the first member 11 stored in the member database 112, to '97.01coin'.

When the information on the amount of virtual currency held by the first member 11 is updated, the conversion completion message transmission unit 120 sends the cash equivalent mileage accumulated for the first member 11 to the first electronic terminal 10. Transmits a conversion completion message indicating that conversion to virtual currency has been completed.

In this way, the payment service providing server 110 according to the present invention may motivate members to save on public charges by paying a predetermined cash equivalent mileage to the member when a specific member reduces public charges.

According to one embodiment of the present invention, the payment service providing server 110 is configured to provide an additional function enabling members subscribed to the public utility bill payment service to inquire how much their public utility bill has been paid at the current time. may further include.

In this regard, the payment service providing server 110 includes an information reply requesting unit 130, an encryption event generating unit 131, a seed code generating unit 132, an encryption unit 133, a text message sending unit 134 and An encryption information transmission unit 135 may be further included.

The information reply request unit 130 transmits information from the second electronic terminal 20 of the second member 21 among the plurality of members to the first public charge collection institution of the second member 21 at the current time. When an information search command requesting to query and transmit information on the amount of public utility bills incurred is received, the second electronic terminal 20 is requested to transmit personal information about the second member 21, and the second electronic terminal When the personal information of the second member 21 is received from (20), the first server identification information for the operation server 101 of the first public charge collection agency stored in the identification information storage unit 111 While accessing the operating server 101 of the first public charge collection institution on the basis of the first public charge collection period, and transmitting personal information about the second member 21 to the operating server 101 of the first public charge collection period, the second The member 21 transmits an information return command requesting that information on the amount of public utility bills incurred at the current time be inquired and replied to.

Then, the operation server 101 of the first public charge collection agency determines the amount of public utility bills generated at the current time calculated at the first public charge collection agency based on the personal information of the second member 21. Information on can be retrieved and transmitted to the payment service providing server 110 of the present invention.

The encryption event generation unit 131 receives information on the generated amount of public utility bills of the second member 21 from the operation server 101 of the first public charge collection institution, and receives first generated amount information. If so, an encryption transmission event is generated to encrypt the first generated amount information and transmit it to the second electronic terminal 20 .

When the encryption transmission event occurs, the seed code generation unit 132 randomly generates a one-time authentication number of t (t is a natural number of 2 or more) digits, and then assigns each of the t numbers constituting the one-time authentication number A t-bit seed code is generated by configuring the resultant value when a modulo-2 operation is performed on a bit string.

For example, if t is '3' and the randomly generated one-time authentication number is '123', the seed code generator 132 generates three numbers '1' and '2' constituting '123'. By performing a modulo-2 operation on each of ' and '3', result values of '1', '0', and '1' are generated, and then the resulting value is configured as a bit string, so that 3 bits of ' You can generate a seed code called 101'.

When the seed code is generated, the encryption unit 133 generates a hash value by applying the seed code as an input to a preset hash function, and then encrypts the first occurrence amount information with the hash value.

The text message sender 134 transmits a mobile phone number request message requesting transmission of the mobile phone number of the second member under his/her name to the second electronic terminal 20, and then sends the second electronic terminal 20 to the mobile phone number request message. 1 When the mobile phone number is received, a text message including content instructing the second electronic terminal 20 to input the one-time authentication number is sent to the receiver with the first mobile phone number.

For example, as in the above example, when the one-time authentication number is '123' and the first mobile phone number is '010-1111-2222', the text message sender 134 sends the first mobile phone number '010-1111-2222'. With '010-1111-2222' as the receiver, a text message including instructions to input '123', the one-time authentication number, into the second electronic terminal 20 may be sent.

When the text message is sent, the encrypted information transmission unit 135 transmits the hash function together with the encrypted first occurrence amount information to the second electronic terminal 20 .

At this time, according to one embodiment of the present invention, the second electronic terminal 20 receives the hash function together with the encrypted first generated amount information from the payment service providing server 110, and the second member 21 By, when the one-time authentication number included in the text message received with the first mobile phone number as the receiver is input on the second electronic terminal 20, each of t numbers constituting the one-time authentication number The seed code of t bits is generated by configuring the resultant value when the modulo-2 operation is performed on , into a bit string, and the seed code is input to the hash function received from the payment service providing server 110 After generating the hash value, the encrypted first occurrence amount information may be decrypted using the hash value.

In relation to this, as in the above example, the one-time authentication number is set to '123', the first mobile phone number '010-1111-2222' is used as a receiver, and the one-time authentication number '123' is used as a second electronic A text message containing content instructing the terminal 20 to be input was sent, and the hash together with the encrypted first generated amount information transmitted from the payment service providing server 110 to the second electronic terminal 20 Assume that the function is received.

Then, the second member 21 can view the text message received in the mobile phone owned by the second member 21 and input the one-time authentication number '123' into the second electronic terminal 20. At this time, the second electronic terminal 21 can When the one-time authentication number '123' is input by the second member 21, the terminal 20 includes three numbers '1', '2', and '3' constituting the one-time authentication number '123'. ' By performing a modulo-2 operation on each of them, a result value of '1', '0', and '1' is generated, and then the result value is configured as a bit string, so that 3 bits of '101' are generated. You can generate seed code.

Then, the second electronic terminal 20 applies the seed code as an input to the hash function received from the payment service providing server 110 to generate the hash value, and then uses the hash value to generate the encrypted data. The first generated amount information may be decoded.

Here, since the seed code '101' is the same code as the seed code generated by the seed code generator 132, the hash value generated when the seed code is applied as an input to the hash function is , It is the same value as the hash value used by the encryption unit 133 to encrypt the first occurrence amount information, and thus, the second electronic terminal 20 uses the hash value to generate the encrypted first occurrence amount. information can be decrypted.

In this way, when the decryption of the first generated amount information is completed, the second electronic terminal 20 displays the first generated amount information on the screen, so that the second member 21 is informed of the first public charge collection institution. It is possible to assist in checking the amount of public charges incurred at the current time point, and at this time, the second member 21 can make efforts to reduce the occurrence of public charges by checking the amount of public charges incurred at the current time point. will be.

2 is a flowchart illustrating an operating method of a payment service providing server for providing a utility bill payment service using virtual currency according to an embodiment of the present invention.

In step S210, an identification information storage unit in which server identification information for each operation server of a plurality of public charge collection agencies for which a prior partnership is completed to provide the public charge payment service is stored is stored.

In step S220, a member database is maintained in which member identification information of each of the plurality of members subscribed to the utility bill payment service and information on the holding amount of virtual currency of each of the plurality of members are stored in correspondence with each other.

In step S230, while the member identification information of the first member is received from the first electronic terminal of the first member among the plurality of members, the first public charge collection agency among the plurality of public charge collection agencies charges the bill. When a payment processing request using the virtual currency for the first public utility bill is received, member authentication is performed to determine whether the first member is a member subscribed to the public utility bill payment service, Information on the amount of virtual currency held by the first member stored in correspondence with the member identification information of the first member is checked.

In step S240, after accessing a preset virtual currency quote information server to obtain current quote information on the virtual currency, based on the current quote information on the virtual currency, the first information stored in the member database Information on the amount of virtual currency held by the first member stored in the member database is updated by subtracting the amount of virtual currency corresponding to the market price of the first utility bill from the amount of virtual currency held by the member.

In step S250, when the information on the holding amount of virtual currency of the first member is updated, based on the first server identification information for the operating server of the first public charge collection agency stored in the identification information storage unit, Connects to the operation server of the first public charge collection organization, and transmits a payment processing completion message indicating that the first member's payment processing for the first public charge has been completed to the operation server of the first public charge collection organization. do.

In step S260, when the transmission of the payment processing completion message to the operation server of the first public charge collection institution is completed, the first electronic terminal indicates that payment processing using the virtual currency for the first public charge has been completed. Sends a payment completion message to indicate.

At this time, according to an embodiment of the present invention, in the operation method of the payment service providing server, when the payment completion message is transmitted to the first electronic terminal, the amount of the first utility bill is calculated as Mileage accrual information indicating that a pre-set amount of cash equivalent mileage has been accumulated for the first member when it is confirmed whether the amount of public utility charges charged for the round immediately preceding the round in question has been reduced. After generating, storing the mileage earning information and date information at the time when the mileage earning information was generated in correspondence with member identification information of the first member in the member database, from the first electronic terminal, When a conversion request instructing conversion of the cash equivalent mileage accumulated for the first member to the virtual currency is received, by checking the mileage accumulation information stored in correspondence with the member identification information of the first member on the member database. , Checking the accumulated amount of cash equivalent mileage accumulated for the first member, accessing the virtual currency market price information server, obtaining current market price information on the virtual currency, and then obtaining the current market price information on the virtual currency Based on the time information, by increasing the amount of virtual currency corresponding to the market price by the cumulative amount in the virtual currency holdings of the first member stored in the member database, the virtual currency of the first member stored in the member database Updating the information on the amount of currency held and when the information on the amount of virtual currency held by the first member is updated, the conversion of the cash equivalent mileage accumulated for the first member to the virtual currency is completed through the first electronic terminal. Transmitting a conversion completion message indicating that the conversion has been completed may be further included.

Further, according to an embodiment of the present invention, in step S230, n (n is a natural number equal to or greater than 2) column vectors previously shared with the first electronic terminal (each of the n column vectors is 1×n As a column vector having magnitude, a component located in one of the n components constituting each of the n column vectors is designated as 1, and components located in the other columns are designated as 0; maintaining a column vector storage unit in which each of the n column vectors is assigned a unique number of different integers of 0 or more and less than or equal to n−1); When member identification information is received and a request for payment processing using the virtual currency for the first public utility bill is received, member authentication is performed to determine whether the first member is a member subscribed to the public utility bill payment service. Generating an authentication event for the authentication event, when the authentication event occurs, obtaining a date value for the current point in time at which the authentication event occurred, and performing a modulo operation with n as a divisor for the date value, Calculating an operation value; when the first operation value is calculated, n of the n column vectors stored in the column vector storage unit excluding the column vectors to which the first operation value is assigned as a unique number; After extracting -1 column vectors, the n-1 column vectors are sequentially combined in the order of small numbers assigned to the n-1 column vectors, and the combination having the size of (n-1) xn is performed. Generating a matrix, randomly generating n-1 authentication codes and (n-1) ² dummy codes when the combining matrix is generated, generating the n-1 authentication codes and the (n-1) authentication codes 1) When ² dummy codes are generated, while transmitting the n-1 authentication codes and the (n-1) ² dummy codes to the first electronic terminal, a feedback matrix is transmitted to the first electronic terminal. Requesting, in response to a request for transmission of the feedback matrix from the first electronic terminal, a first feedback matrix (the first feedback matrix, among [(n-1) xn] elements constituting the combining matrix) Each of the n-1 components designated as 1 is substituted with the n-1 authentication codes, and each of the (n-1) ^two components designated as 0 is replaced with the (n-1) ^two components. Generating a first operation matrix by calculating a Hadamard product between the first feedback matrix and the coupling matrix when a matrix having a size of (n-1) xn) generated by replacing one by one with dummy codes is received; When the first calculation matrix is generated, after extracting first components that are non-zero components among the components constituting the first calculation matrix, whether the first components match all of the n-1 authentication codes. and, if it is confirmed that the first components match all of the n-1 authentication codes, completing authentication processing that the first member is a member subscribed to the utility bill payment service. can include

At this time, according to an embodiment of the present invention, the first electronic terminal pre-stores the n column vectors in a memory of the first electronic terminal, and the n-1 authentication codes are received from the payment service providing server. , and the (n-1) ^two dummy codes are received, and when a request to transmit the feedback matrix is received, a date value for the current point in time is obtained, and a modulo operation is performed with n as a divisor for the date value. After calculating the first operation value by performing, among the n column vectors previously stored in the first electronic terminal, the remaining n- column vectors excluding the column vectors to which the first operation value is assigned as a unique number are performed. 1 column vectors are extracted, and the n-1 column vectors are sequentially combined in order of small numbers assigned to the n-1 column vectors to obtain (n-1) After generating the coupling matrix, each of the n-1 components in which 1 is designated among the [(n-1) xn] components constituting the coupling matrix is replaced one by one with the n-1 authentication codes, , By substituting each of the (n-1) ^two components designated by 0 with the (n-1) ^two dummy codes, the first feedback matrix having a size of (n-1) xn is generated, It may be transmitted to the payment service providing server.

In addition, according to one embodiment of the present invention, the operation method of the payment service providing server provides information about the first utility bill collection institution of the second member from the second electronic terminal of the second member among the plurality of members. When an information search command requesting to query and transmit information on the amount of public utility bills at the current time point is received, a request to transmit personal information about the second member is requested to the second electronic terminal, and the second electronic terminal When the personal information of the second member is received from the terminal, the first public charge collection agency based on the first server identification information for the operation server of the first public charge collection agency stored in the identification information storage unit. By accessing the operation server of the first utility bill collection period, while transmitting personal information about the second member to the operation server of the first utility bill collection period, information on the generated amount of public utility bills of the second member at the current time is retrieved, Transmitting an information reply command requesting a reply, wherein first generated amount information is received as information on the generated amount of public utility bills of the second member at the current time, from the operating server of the first utility bill collection institution. If it is, generating an encryption transmission event for encrypting the first generation amount information and transmitting it to the second electronic terminal, when the encryption transmission event occurs, t (t is a natural number of 2 or more) digit one-time authentication number Generating a t-bit seed code by randomly generating a value obtained by performing a modulo-2 operation on each of the t numbers constituting the one-time authentication number as a bit string; When the seed code is generated, generating a hash value by applying the seed code as an input to a preset hash function, and then encrypting the first generated amount information with the hash value; After transmitting a mobile phone number request message requesting transmission of a mobile phone number in the name of the second member, when the first mobile phone number is received from the second electronic terminal, the first mobile phone number is used as the receiver, and the one-time authentication Sending a text message including content instructing to input a number into the second electronic terminal, and when the text message is sent, to the second electronic terminal, the hash together with the encrypted first occurrence amount information A step of transmitting the function may be further included.

At this time, the second electronic terminal receives the hash function together with the encrypted first generated amount information from the payment service providing server, and receives the first mobile phone number as a receiver by the second member. When the one-time authentication number included in the text message is input on the second electronic terminal, the result value when a modulo-2 operation is performed on each of the t numbers constituting the one-time authentication number is a bit string By configuring to, generate the seed code of t bits, apply the seed code as an input to the hash function received from the payment service providing server to generate the hash value, and then use the hash value to perform the encryption It is possible to decode the first generated amount information.

In the above, the operation method of the payment service providing server according to an embodiment of the present invention has been described with reference to FIG. 2 . Here, since the operating method of the payment service providing server according to an embodiment of the present invention may correspond to the configuration of the operation of the payment service providing server 110 described with reference to FIG. 1, a detailed description thereof is omitted. do it with

A method of operating a payment service providing server according to an embodiment of the present invention may be implemented as a computer program stored in a storage medium for execution through a combination with a computer.

In addition, the operating method of the payment service providing server according to an embodiment of the present invention may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the medium may be those specially designed and configured for the present invention or those 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. - includes hardware devices 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 high-level language codes that can be executed by a computer using an interpreter, as well as machine language codes such as those produced by a compiler.

As described above, the present invention has been described by specific details such as specific components and limited embodiments and drawings, but these are provided to help a more general understanding of the present invention, and the present invention is not limited to the above embodiments. , Those skilled in the art in the field to which the present invention belongs can make various modifications and variations from these descriptions.

Therefore, the spirit of the present invention should not be limited to the described embodiments, and it will be said that not only the claims to be described later, but also all modifications equivalent or equivalent to these claims belong to the scope of the present invention. .

110: Payment service providing server
111: identification information storage unit 112: member database
113: confirmation unit 114: update processing unit
115: payment processing completion message transmission unit 116: payment completion message transmission unit
117: Mileage accumulation processing unit 118: Accumulated amount confirmation unit
119: mileage conversion unit 120: conversion completion message transmission unit
121: column vector storage unit 122: authentication event generating unit
123: calculation unit 124: combination matrix generation unit
125: random code generator 126: feedback request unit
127: calculation matrix generation unit 128: code verification unit
129: authentication completion unit 130: information reply request unit
131: encryption event generation unit 132: seed code generation unit
133: encryption unit 134: text message sending unit
135: encrypted information transmission unit
10: first electronic terminal
11: first member
100: virtual currency quote information server
101: Operation server of the first public charge collection agency
20: second electronic terminal
21: second member

Claims (12)

In a payment service providing server for providing a public utility bill payment service using virtual currency,
an identification information storage unit storing server identification information for an operation server of each of a plurality of public charge collection agencies for which a prior partnership for providing the public charge payment service has been completed;
a member database in which member identification information of each of the plurality of members subscribed to the public utility bill payment service and information on the holding amount of virtual currency of each of the plurality of members are stored in correspondence with each other;
When the member identification information of the first member is received from the first electronic terminal of the first member among the plurality of members, the first public charge charged by the first public charge collection agency among the plurality of public charge collection agencies is received. When a payment processing request using the virtual currency is received, member authentication is performed to determine whether the first member is a member subscribed to the utility bill payment service, and then a member of the first member is recorded in the member database. a confirmation unit confirming information about the amount of virtual currency held by the first member stored in correspondence with the identification information;
After accessing a preset virtual currency quote information server to obtain current quote information on the virtual currency, the virtual currency holding amount of the first member stored in the member database based on the current quote information on the virtual currency an update processing unit for updating information on the amount of virtual currency held by the first member stored in the member database by deducting an amount of virtual currency corresponding to the market price of the first public utility bill from ;
When the information on the amount of virtual currency held by the first member is updated, the first public charge is collected based on the first server identification information for the operating server of the first public charge collection institution stored in the identification information storage unit. A payment processing completion message for transmitting a payment processing completion message indicating that the payment processing for the first utility bill of the first member has been completed to the operation server of the first public charge collection institution by accessing the operation server of the institution. transmission unit;
When the transmission of the payment processing completion message to the operation server of the first public utility charge collection institution is completed, a payment completion message indicating that payment processing using the virtual currency for the first utility bill has been completed, to the first electronic terminal. a payment completion message transmission unit for transmitting;
When the payment completion message is transmitted to the first electronic terminal, it is determined whether the amount of the first public utility charge is less than the amount of the public utility charge charged in the immediately preceding round of the current round in which the first public charge is charged. If it is confirmed that the reduction has been confirmed, the date at which the mileage accumulation information and the mileage accumulation information are generated after generating mileage accumulation information indicating that cash equivalent mileage of a preset amount has been accumulated for the first member. a mileage accumulation processing unit that stores information in correspondence with member identification information of the first member in the member database;
When a conversion request instructing conversion of the cash equivalent mileage accumulated for the first member to the virtual currency is received from the first electronic terminal, it is stored in correspondence with the member identification information of the first member in the member database. an accumulated amount confirmation unit that confirms an accumulated amount of cash equivalent mileage accumulated for the first member by checking mileage accumulation information;
After accessing the virtual currency quote information server to obtain current quote information on the virtual currency, the virtual currency holding amount of the first member stored in the member database based on the current quote information on the virtual currency a mileage converting unit for updating information on the amount of virtual currency held by the first member stored in the member database by increasing the amount of virtual currency corresponding to the market price by the cumulative amount in and
When the information on the amount of virtual currency held by the first member is updated, a conversion completion message indicating that the cash equivalent mileage accumulated for the first member has been converted into the virtual currency is transmitted to the first electronic terminal. Completion message transmission part
A payment service providing server that includes a. delete According to claim 1,
The verification part
n (n is a natural number equal to or greater than 2) column vectors previously shared with the first electronic terminal - each of the n column vectors has a size of 1 x n, and constitutes each of the n column vectors Among the n components of the column, a component located in any one pre-designated column is designated as 1, and components located in the remaining columns are designated as 0, and each of the n column vectors has a different Integers are assigned one by one as a unique number - a column vector storage unit in which is stored;
When a request for payment processing using the virtual currency for the first utility bill is received from the first electronic terminal while the member identification information of the first member is received, the first member subscribes to the utility bill payment service. an authentication event generating unit generating an authentication event to perform member authentication on whether or not the registered member is correct;
When the authentication event occurs, obtaining a date value for the current time when the authentication event occurred, and calculating a first calculation value by performing a modulo operation with n as a divisor for the date value calculation unit;
When the first operation value is calculated, the remaining n-1 column vectors excluding the column vector to which the first operation value is assigned as a unique number among the n column vectors stored in the column vector storage unit are extracted. Then, the n-1 column vectors are sequentially combined in descending order of the unique numbers assigned to the n-1 column vectors to generate a coupling matrix having a size of (n-1) xn. wealth;
When the combination matrix is generated, a random code generator for randomly generating n-1 authentication codes and (n-1) ^two dummy codes;
When the n-1 authentication codes and the (n-1) ² dummy codes are generated, the n-1 authentication codes and the (n-1) ² dummy codes are transmitted to the first electronic terminal. a feedback requesting unit requesting transmission of a feedback matrix to the first electronic terminal while doing so;
In response to a request for transmission of the feedback matrix from the first electronic terminal, a first feedback matrix—in the first feedback matrix, 1 of [(n−1) xn] components constituting the coupling matrix is designated Each of the n-1 components in the above are substituted with the n-1 authentication codes, and each of the (n-1) ^two components to which 0 is designated is replaced with the (n-1) ^two dummy codes. If a matrix having a size of (n-1) xn, generated by permuting one by one, is received, an operation of generating a first operation matrix by calculating a Hadamard product between the first feedback matrix and the coupling matrix matrix generator;
When the first calculation matrix is generated, after extracting first components that are non-zero components among the components constituting the first calculation matrix, whether the first components match all of the n-1 authentication codes. Code checking unit for checking; and
If it is confirmed that the first components match all of the n-1 authentication codes, an authentication completion unit that completes an authentication process that the first member is a member subscribed to the utility bill payment service.
A payment service providing server that includes a. According to claim 3,
The first electronic terminal is
The n column vectors are pre-stored in the memory of the first electronic terminal, and the n-1 authentication codes and the (n-1) ² dummy codes are received from the payment service providing server. When a request to transmit a feedback matrix is received, a date value for the current point in time is obtained, and a modulo operation with n as a divisor is performed on the date value to calculate the first operation value, and then the first operation value is calculated. Among the n column vectors pre-stored in the electronic terminal, n-1 column vectors other than the column vector to which the first operation value is assigned as a unique number are extracted, and the n-1 column vectors are [(n- 1) Each of the n-1 components to which 1 is designated among xn] components is replaced with the n-1 authentication codes, and each of the (n-1) ^two components to which 0 is designated is replaced. The payment service providing server of claim 1 , wherein the first feedback matrix having a size of (n−1) xn is generated by substituting the (n−1) ^two dummy codes one by one and transmitted to the payment service providing server. According to claim 1,
Information requesting to inquire and transmit information on the amount of public utility bills incurred for the first utility bill collection institution of the second member from the second electronic terminal of the second member among the plurality of members at the current point in time. When an inquiry command is received, a request is made to transmit personal information about the second member to the second electronic terminal, and when the personal information of the second member is received from the second electronic terminal, the identification information is stored in the storage unit. Based on the first server identification information for the operation server of the first public charge collection institution, the operation server of the first public charge collection institution is accessed, and the operation server of the first public charge collection period is an information reply requesting unit which transmits an information reply command requesting to inquire about and reply to information about the amount of public utility bills of the second member at the current time while transmitting personal information about the second member;
When first generated amount information is received as information on the generated amount of public utility bills at the current time of the second member from the operation server of the first public charge collection institution, the first generated amount information is encrypted and the first generated amount information is encrypted. 2 an encryption event generating unit generating an encryption transmission event for transmission to an electronic terminal;
When the encryption transmission event occurs, a one-time authentication number of t (t is a natural number of 2 or more) is randomly generated, and then modulo-2 is generated for each of the t numbers constituting the one-time authentication number. 2) a seed code generation unit configured to generate a t-bit seed code by configuring the result value when the operation is performed into a bit string;
an encryption unit generating a hash value by applying the seed code to a preset hash function as an input when the seed code is generated, and then encrypting the first occurrence amount information with the hash value;
After transmitting a mobile phone number request message requesting transmission of the mobile phone number in the name of the second member to the second electronic terminal, when the first mobile phone number is received from the second electronic terminal, the first mobile phone number a text message sending unit for sending a text message including content instructing input of the one-time authentication number to the second electronic terminal, to a receiving side; and
When the text message is sent, an encryption information transmitter for transmitting the hash function together with the encrypted first generated amount information to the second electronic terminal.
Including more,
The second electronic terminal
The hash function is received together with the encrypted first generated amount information from the payment service providing server, and the one-time included in the text message received by the second member with the first mobile phone number as the receiver. When an authentication number is input on the second electronic terminal, a result value obtained by performing a modulo-2 operation on each of t numbers constituting the one-time authentication number is configured as a bit string, thereby After generating a seed code, generating the hash value by applying the seed code as an input to the hash function received from the payment service providing server, and then decrypting the encrypted first generated amount information using the hash value A payment service providing server, characterized in that for doing. A method of operating a payment service providing server for providing a public utility bill payment service using virtual currency,
maintaining an identification information storage unit in which server identification information for each operation server of a plurality of public charge collection agencies for which a prior partnership for providing the public charge payment service is completed is stored;
Maintaining a member database in which member identification information of each of the plurality of members subscribed to the public utility bill payment service and information on the holding amount of virtual currency of each of the plurality of members are stored in correspondence with each other;
When the member identification information of the first member is received from the first electronic terminal of the first member among the plurality of members, the first public charge charged by the first public charge collection agency among the plurality of public charge collection agencies is received. When a payment processing request using the virtual currency is received, member authentication is performed to determine whether the first member is a member subscribed to the utility bill payment service, and then a member of the first member is recorded in the member database. checking information about the amount of virtual currency held by the first member, which is stored in correspondence with the identification information;
After accessing a preset virtual currency quote information server to obtain current quote information on the virtual currency, the virtual currency holding amount of the first member stored in the member database based on the current quote information on the virtual currency updating information about an amount of virtual currency held by the first member stored in the member database by deducting an amount of virtual currency corresponding to the market price of the first public utility bill from ;
When the information on the amount of virtual currency held by the first member is updated, the first public charge is collected based on the first server identification information for the operating server of the first public charge collection institution stored in the identification information storage unit. Accessing an operation server of the institution, and transmitting a payment processing completion message indicating that payment processing for the first utility bill of the first member has been completed to the operation server of the first utility bill collection institution;
When the transmission of the payment processing completion message to the operation server of the first public utility charge collection institution is completed, a payment completion message indicating that payment processing using the virtual currency for the first utility bill has been completed, to the first electronic terminal. Transmitting;
When the payment completion message is transmitted to the first electronic terminal, it is determined whether the amount of the first public utility charge is less than the amount of the public utility charge charged in the immediately preceding round of the current round in which the first public charge is charged. If it is confirmed that the reduction has been confirmed, the date at which the mileage accumulation information and the mileage accumulation information are generated after generating mileage accumulation information indicating that cash equivalent mileage of a preset amount has been accumulated for the first member. storing information corresponding to member identification information of the first member in the member database;
When a conversion request instructing conversion of the cash equivalent mileage accumulated for the first member to the virtual currency is received from the first electronic terminal, it is stored in correspondence with the member identification information of the first member in the member database. checking an accumulated amount of cash equivalent mileage accumulated for the first member by checking mileage accumulation information;
After accessing the virtual currency quote information server to obtain current quote information on the virtual currency, the virtual currency holding amount of the first member stored in the member database based on the current quote information on the virtual currency updating information about an amount of virtual currency held by the first member stored in the member database by increasing an amount of virtual currency corresponding to the market price by the cumulative amount in ; and
Transmitting, to the first electronic terminal, a conversion completion message indicating that the cash equivalent mileage accumulated for the first member has been converted into the virtual currency when the information on the amount of virtual currency held by the first member is updated.
A method of operating a payment service providing server comprising a. delete According to claim 6,
The step of checking information on the amount of virtual currency held by the first member
n (n is a natural number equal to or greater than 2) column vectors previously shared with the first electronic terminal - each of the n column vectors has a size of 1 x n, and constitutes each of the n column vectors Among the n components of the column, a component located in any one pre-designated column is designated as 1, and components located in the remaining columns are designated as 0, and each of the n column vectors has a different Integers are allocated one by one as unique numbers - maintaining a column vector storage unit in which integers are stored;
When a request for payment processing using the virtual currency for the first utility bill is received from the first electronic terminal while the member identification information of the first member is received, the first member subscribes to the utility bill payment service. Generating an authentication event to perform member authentication on whether or not the registered member is correct;
When the authentication event occurs, obtaining a date value for the current time when the authentication event occurred, and calculating a first calculation value by performing a modulo operation with n as a divisor for the date value step;
When the first operation value is calculated, the remaining n-1 column vectors excluding the column vector to which the first operation value is assigned as a unique number among the n column vectors stored in the column vector storage unit are extracted. and then sequentially combining the n-1 column vectors in descending order of unique numbers assigned to the n-1 column vectors to generate a combination matrix having a size of (n-1)xn;
If the combination matrix is generated, randomly generating n-1 authentication codes and (n-1) ² dummy codes;
When the n-1 authentication codes and the (n-1) ² dummy codes are generated, the n-1 authentication codes and the (n-1) ² dummy codes are transmitted to the first electronic terminal. while requesting transmission of a feedback matrix to the first electronic terminal;
In response to a request for transmission of the feedback matrix from the first electronic terminal, a first feedback matrix—in the first feedback matrix, 1 of [(n−1) xn] components constituting the coupling matrix is designated Each of the n-1 components in the above are substituted with the n-1 authentication codes, and each of the (n-1) ^two components to which 0 is designated is replaced with the (n-1) ^two dummy codes. Generating a first operation matrix by calculating a Hadamard product between the first feedback matrix and the coupling matrix when a matrix having a size of (n-1) xn, generated by permuting one by one, is received ;
When the first calculation matrix is generated, after extracting first components that are non-zero components among the components constituting the first calculation matrix, whether the first components match all of the n-1 authentication codes. Checking; and
If it is confirmed that the first components match all of the n-1 authentication codes, completing authentication processing that the first member is a member subscribed to the utility bill payment service.
A method of operating a payment service providing server comprising a. According to claim 8,
The first electronic terminal is
The n column vectors are pre-stored in the memory of the first electronic terminal, and the n-1 authentication codes and the (n-1) ² dummy codes are received from the payment service providing server. When a request to transmit a feedback matrix is received, a date value for the current point in time is obtained, and a modulo operation with n as a divisor is performed on the date value to calculate the first operation value, and then the first operation value is calculated. Among the n column vectors pre-stored in the electronic terminal, n-1 column vectors other than the column vector to which the first operation value is assigned as a unique number are extracted, and the n-1 column vectors are [(n- 1) Each of the n-1 components to which 1 is designated among xn] components is replaced with the n-1 authentication codes, and each of the (n-1) ^two components to which 0 is designated is replaced. Wherein the payment service providing server generates the first feedback matrix having a size of (n-1) xn by substituting the (n-1) ^two dummy codes one by one and transmits the first feedback matrix to the payment service providing server. how it works. According to claim 6,
Information requesting to inquire and transmit information on the amount of public utility bills incurred for the first utility bill collection institution of the second member from the second electronic terminal of the second member among the plurality of members at the current point in time. When an inquiry command is received, a request is made to transmit personal information about the second member to the second electronic terminal, and when the personal information of the second member is received from the second electronic terminal, the identification information is stored in the storage unit. Based on the first server identification information for the operation server of the first public charge collection institution, the operation server of the first public charge collection institution is accessed, and the operation server of the first public charge collection period is Transmitting an information reply command requesting to inquire and reply to information about the amount of public utility bills of the second member at the current time while transmitting personal information about the second member;
When first generated amount information is received as information on the generated amount of public utility bills at the current time of the second member from the operation server of the first public charge collection institution, the first generated amount information is encrypted and the first generated amount information is encrypted. 2 generating an encryption transmission event for transmission to an electronic terminal;
When the encryption transmission event occurs, a one-time authentication number of t (t is a natural number of 2 or more) is randomly generated, and then modulo-2 is generated for each of the t numbers constituting the one-time authentication number. 2) generating a t-bit seed code by configuring the resultant value when the operation is performed as a bit string;
if the seed code is generated, generating a hash value by applying the seed code as an input to a preset hash function and then encrypting the first accrued amount information with the hash value;
After transmitting a mobile phone number request message requesting transmission of the mobile phone number in the name of the second member to the second electronic terminal, when the first mobile phone number is received from the second electronic terminal, the first mobile phone number sending a text message including content instructing the second electronic terminal to input the one-time authentication number to the receiving side; and
Transmitting the hash function together with the encrypted first occurrence amount information to the second electronic terminal when the text message is sent
Including more,
The second electronic terminal
The hash function is received together with the encrypted first generated amount information from the payment service providing server, and the one-time included in the text message received by the second member with the first mobile phone number as the receiver. When an authentication number is input on the second electronic terminal, a result value obtained by performing a modulo-2 operation on each of t numbers constituting the one-time authentication number is configured as a bit string, thereby After generating a seed code, generating the hash value by applying the seed code as an input to the hash function received from the payment service providing server, and then decrypting the encrypted first generated amount information using the hash value A method of operating a payment service providing server, characterized in that for doing. Claim 6, claim 8, claim 9 or claim 10 of any one of the method through a combination with a computer to execute a computer program recorded on a computer-readable recording medium. A computer program stored in a storage medium for executing the method of any one of claims 6, 8, 9 or 10 through a combination with a computer.

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