KR20150011933A - Payment system using identification code of member shop - Google Patents

Abstract

The present invention relates to a payment system using a code of a member store capable of allowing a purchaser terminal to obtain a member store code formed by encrypting identification information of a store, required for payment, in the store and request payment. Since a payment server decrypts the member store code to perform authentication, even though the member store code is exposed during payment in the store, information included in the member store code cannot be read, so as to be safely used, and location information may be stored in the member store code to prevent misuse according to movement of the member store code.

Description

{PAYMENT SYSTEM USING IDENTIFICATION CODE OF MEMBER SHOP}

The present invention relates to a payment system using an affiliate store code for acquiring a merchant code, which is encrypted in identification information of a store, necessary for settlement processing, at a shop, and then requesting a payment to the buyer terminal to make a settlement process.

In general, when purchasing goods at a store, credit cards are used instead of cash, such as credit cards or check cards. At this time, although the magnetic card storing the information of the purchaser necessary for the payment is mainly used, the information is easily damaged by the influence of the self and the replication of the card is easy due to the development of the copying technique. Recently, the use of the magnetic card is stopped It is replacing it with a more secure IC card for damage and duplication of information.

However, the IC card can also duplicate the information stored in the IC chip, which limits the information protection.

Furthermore, if a reader is required to read the information of the purchaser from the card, which is necessary for settlement, the reader must also be replaced if the manner of storing the information of the purchaser is changed. That is, since there is a setup cost of a reader in a payment method using an existing card, there is a difficulty in accompanied with a replacement cost of the reader if a payment method is changed by replacement of a card.

Open Publication No. 10-2012-0106238 for solving the difficulty of duplication and installation of such information shows a technique of acquiring information of a merchant necessary for payment from a purchaser's terminal and requesting payment.

However, in the patent application 10-2012-0106238, the code is assigned to each store using a code of a recognizable merchant and the purchaser's terminal receives this code, so that there is a risk of exploitation due to exposure of the code.

KR 10-2012-0106238 A Sep 26, 2012.

Accordingly, it is an object of the present invention to provide a payment system using a merchant code in which a code storing information of a merchant can not be copied and used even if the code is exposed in a payment process.

In order to achieve the above object, the present invention provides a settlement system using a merchant code, comprising: identification means (10) for acquiring a merchant code, which is an identification code of a store necessary for settlement processing, A store-owned franchisee terminal 20; Acquiring the merchant code in a state in which the merchant code is not decrypted, encrypting the payment information including the identification information of the purchaser necessary for the payment process and the payment amount, which is the amount to be paid, and generates a payment information code A purchaser terminal 30 for sending the merchant code in a decrypted state to the payment server 40 together with the payment information code and requesting payment; Stores information necessary for decryption of the merchant code into the database, decrypts the merchant code to acquire the identification information of the store, decrypts the payment information code, and matches the payment information to be acquired with the identification information of the store, A payment server 40 for notifying the franchise terminal 20 and the purchaser terminal 30 of the payment processing; And a control unit.

The store identification information includes location information of the store, location information of the store is encrypted in the merchant code, and the purchaser terminal (30) comprises a mobile terminal having location information obtaining means for obtaining location information And the payment server 40 stores the location information in the payment information. When the location information of the store matches the location information of the purchaser terminal, the payment server 40 makes a settlement process.

The purchaser terminal 30 generates information in an OTP (One Time Password) used for encrypting payment information, encrypts the payment information, and transmits the generated OTP to the payment server 40 for decryption .

The purchaser terminal 30 stores the buyer code encrypted with the identification information of the buyer necessary for the payment processing, and stores information excluding the identification information of the buyer among the information to be included in the payment information code as an OTP (One Time Password) The settlement server 40 stores the information used for decrypting the buyer code to obtain the buyer identification information, and the settlement information code is stored in the settlement information code And decodes the information excluding the identification information of the purchaser to OTP (One Time Password).

The merchant code and the buyer code recognize the data of the information to be encrypted as data arranged in a unit set in one of a bit unit, a byte unit and a word unit composed of a preset number of bytes, and divide the unit sequence into a unit sequence of a predetermined length, Column data in a column direction, dividing the matrix data into a predetermined small matrix size, rearranging small matrices according to an encryption pattern determined according to a key code value, and then connecting the small matrices according to the order of the rows, The server 40 stores the preset length, predetermined column size, and key code value necessary for decrypting the merchant code, as a database, and decrypts the merchant code.

The merchant code is stored in the identification means 10 as a memory provided in the merchant terminal 20 as the identification means 10 and the code acquisition means is composed of a local communication module or a communication module connected to the communication network, The purchaser terminal 30 obtains the merchant code from the merchant terminal 20 through local communication or communication through a communication network.

The merchant code is an image obtained by dividing an image into image fragments of a preset size by recognizing a document printed with store identification information as an image and rearranging image fragments according to an encryption pattern determined according to a key code value. And the code acquisition means is constituted by a camera and acquires the merchant code from the purchaser terminal 30 as an image file, and the payment server (40) acquires the merchant code And stores the preset size and key code value necessary for decryption of the merchant code in a database to decode the merchant code.

The encryption pattern is set to a plurality of predetermined numbers, and the merchant code is a process of rearranging image fragments in an order of encryption in an encryption pattern. Decryption is performed by applying an encryption pattern in reverse order, And the key code value for the pattern is stored in the payment server 40 as a database.

According to the present invention configured as described above, since the merchant code used for encryption is decrypted only by the payment server and authenticated, the merchant code can not be decrypted even if the merchant code is exposed during the payment at the merchant, Furthermore, it is safe to print using an image, and can be used without additional management for security.

Further, according to the present invention, prior to settlement, the location information of the identification means provided with the merchant code and the location information of the purchaser terminal are compared and authenticated, the location information of the identification means is stored in the merchant code, It also prevents abuse and exploitation caused by location shift of merchant code.

1 is a configuration diagram of a payment system using a merchant code according to an embodiment of the present invention;
2 is a diagram showing a process of encrypting identification information of a store with a merchant code that can be stored in a memory;
3 is a flowchart of a payment method using a merchant code according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings. It should be noted that, in the drawings, the same reference numerals are used to denote the same or similar components in other drawings. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In the following description of the present invention, detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

FIG. 1 is a configuration diagram of a payment system using a merchant code according to an embodiment of the present invention, and a flow of information is shown.

2 is a view showing a process of encrypting identification information of a store with a merchant code that can be stored in a memory.

Referring to FIG. 1, a payment system using a merchant code according to an embodiment of the present invention includes an identification means 10, an affiliate terminal 20, a purchaser terminal 30, a payment server 40, The merchant terminal 20, the purchaser terminal 30, the payment server 40, and the settlement agency server 50 are connected to a communication network.

The identification means (10) is provided so as to acquire a merchant code which encodes the identification information of the store necessary for the settlement processing, to the buyer terminal.

For example, the identification information of the store is stored in the payment institution server 50 among the deposit account number for receiving the deposit based on the business registration number of the store, the name of the representative of the store, the name of the representative of the store, Information can be adopted as required. For example, if the merchant terminal 20 is configured as a terminal connected to the Internet network, the identification information of the store is a connection IP, and if the merchant terminal 20 is a terminal connected to the Internet network, If the franchisee terminal 20 is configured as a mobile terminal, it becomes a telephone number.

In addition, the identification information of the store includes geographical location information of the store. In the embodiment of the present invention, the location information is made up of GPS coordinates, and is directly compared with the GPS coordinates acquired by the purchaser terminal 30.

 In addition, the identification information of the store may include a uniform resource locator (URL) address of the payment server 40. The URL address can be used by the payment server 40 to determine the authenticity of the store identification information by comparing it with its URL address.

The merchant code included in the identification means 10 shown in FIG. 1 is composed of an encrypted image, and is printed on the identification means 10 so that the merchant code can be visually recognized. . At this time, the merchant code identifies the document printed with the identification information of the store to be encrypted as an image, divides the image into image fragments of a preset size, and rearranges the image fragments according to the encryption pattern determined according to the key code value to be.

Here, the relocation of the image fragments may be repeated. That is, a plurality of encryption patterns are selected, and the merchant code repeats the operations of rearranging image fragments according to the encryption pattern in the order according to the order of the encryption. The decryption is performed by applying the sequence number of the encryption pattern backward, and the key code value for each encryption pattern is included in the decryption information. In addition, the predetermined size may have different values for each encryption pattern.

The encryption pattern means positional shift coordinates of each image segment, and includes coordinates before and after shifting of each image segment. This encryption pattern randomly generates a key code value as a seed value, thereby making it impossible to decrypt the key code value and the encryption pattern if they are not known.

Then, a board or a menu plate disposed at a position seen by a buyer who enters the store can be configured as the identification means, and the merchant code encrypted by the image processing as described above can be printed on the identification means 10.

Here, the decryption information necessary for decrypting the merchant code encrypted by the image processing is a key code value necessary for generating the preset size and the encryption pattern, which is the size of the image fragment.

2 is a diagram for explaining another embodiment of the merchant code, and shows a process of generating a merchant code for constituting data that can be stored in a memory.

First, as shown in Fig. 2A, the identification information of the store is made up of original data 1 in which values (2) of a predetermined unit are sequenced. Here, the predetermined unit may be a bit unit or a byte unit, or a word unit consisting of a preset number of bytes.

Next, as shown in FIG. 2 (b), the original data 1 is divided into a unit sequence 4 of a preset length S and the unit sequences are arranged in a heat room to form matrix data 2 do.

Next, as shown in FIG. 2 (c), the matrix data 3 is divided into a predetermined small matrix size, and the small matrixes are rearranged according to the encryption pattern determined according to the key code value, 5). In FIG. 2, the small matrix size is 3X3. Here, the rearrangement of the small matrix may be repeated. That is, a plurality of encryption patterns are selected in order, and the operation of rearranging in accordance with the encryption pattern is repeated in order. Then, the key code value for each encryption pattern is included in the decryption information. Also, if the predetermined small matrix size may be different for each encryption pattern, the value of the small matrix size is also included in the decryption information at this time.

Next, as shown in Fig. 2 (d), the encrypted matrix data 5 is continued in the order of the rows to generate the merchant code 6.

In order to provide the identification means 10 with a merchant code composed of digital data by digital data processing, the identification means 10 must be composed of a medium for storing data such as a memory, Or a detachable memory. Since the shopper terminal 30 must be able to obtain the merchant code, the merchant code can be transmitted from the merchant terminal 20 to the buyer terminal 20 through short-distance wireless communication or communication via a communication network.

Here, the decryption information necessary for decryption of the merchant code is the preset length, the predetermined column size, and the key code value.

The franchisee terminal 20 is connected to the payment server 40 through a communication network as a terminal owned by a shop. A terminal owned by a store is a mobile terminal possessed by a representative of a terminal or a store installed in a store, and a smart phone or a smart pad capable of data communication in the case of a mobile terminal. When the merchant code is constituted by digital data to be stored in a memory, the memory mounted on the merchant terminal 20 or a removable removable memory is used as the identification means 10, Or by connecting to the purchaser terminal 30 through communication via a communication network to transmit the merchant code.

The purchaser terminal 30 is a buyer-owned terminal for paying a purchase price for purchasing goods at a store, and is provided with a payment application 31 composed of an application for payment request, and acquires the merchant code (33) for acquiring the current position information of the purchaser terminal (30) and position information acquiring means (34) for acquiring the current position information of the purchaser terminal (30).

According to the embodiment of the present invention, the purchaser terminal is constituted by a mobile terminal, for example, a smart phone or a smart pad capable of installing an application.

The code acquiring unit 33 comprises a camera capable of photographing the merchant code and acquiring an image file if the merchant code is an image encrypted, and acquires the merchant code from the merchant terminal 20 as digital data A local communication module for connecting with the merchant terminal 20 or a communication module connected to the communication network.

The position information acquiring means 34 may be configured as a GPS receiver which is generally installed in the mobile terminal and can obtain position information as geographical position coordinates. On the other hand, if the store is in a building, it is difficult to receive GPS coordinates from a global positioning system (GPS). Therefore, a store in a building in which a so-called indoor location information system is built should be a franchise store, ) Should be configured as a module or application capable of receiving location information from the indoor location information system. In the indoor location information system, for example, there is a system in which a plurality of wireless LANs installed in a building are used. In addition, there is a system using an RFID, an ultrasonic wave, a laser and an inertial measurement apparatus. 0011135.

The payment application 31 stores the identification information of the purchaser necessary for the payment processing, and has the encryption processor 32 for encryption. Of course, when the payment application 31 requests payment processing, the user inputs a password.

The identification information of the purchaser is information on the purchaser necessary for payment processing in the settlement agency server 50, for example, the name of the purchaser, the telephone number, and the account number to be paid by payment.

Then, when the purchaser executes the payment application 31 for payment processing, the payment application 31 receives an operation for acquiring the merchant point code with the code acquisition means 33, And acquires the location information by the location information acquiring means 34 to acquire the merchant code, payment amount, and location information in each operation. Next, the payment application 31 generates a payment information code in which the payment information is encrypted using the payment amount and the location information as payment information, and transmits the payment information code to the payment server 40 via the communication network together with the merchant point code To make a payment request.

In the embodiment of the present invention, the identification information of the purchaser is previously set and stored, but the purchaser may directly input the identification information. In this case, an operation for receiving the identification information of the purchaser must be implemented in the payment application 31 do. Here, the account number to which money is paid does not limit the bank account number but may be a card number for card settlement.

The code acquiring unit 33 and the settlement application 31 do not have a configuration for decrypting the merchant code and do not have decryption information and acquire the merchant code in a state that it is not decrypted and are transmitted to the payment server 40 do.

As a method of encrypting the settlement information with the settlement information code, a method of digitizing the store information and encrypting it with the merchant code as described with reference to FIG. 2 may be employed. In this case, since the settlement server 40 has to decrypt the settlement information code, the settlement server 40 transmits the decryption information, that is, the predetermined length used for encrypting the settlement information, the predetermined queue size and the key code value to the payment server 40 do. For security, decryption information necessary for generating the settlement information code is generated and used as an OTP (One Time Password), and is transmitted to the payment server 40 so that the payment server 40 can use it as decryption information.

Meanwhile, since the identification information of the purchaser is stored in the purchaser terminal, it may be vulnerable to security. The purchaser identification information is encrypted and stored in the purchaser terminal as a purchaser code. The encryption method at this time may employ a method of digitalizing the store information and encrypting it with the merchant code as described above with reference to FIG. 2 . The decryption information of the purchaser code, that is, the preset length, the predetermined column size, and the key code value used in the generation of the buyer code are stored in the payment server 40 together with the decryption information for the merchant code. Here, since the buyer code is obtained by encrypting the buyer identification information, it is not encrypted in the payment application 31 but merged with the payment information. That is, since the payment information includes the buyer identification information, the payment amount, and the location information, the payment information and the location information excluding the buyer identification information are encrypted to generate the payment information code, Generate billing information code. The final payment information code generated at this time is transmitted to the payment server 40 together with the merchant code.

Upon receiving the identification information and the payment information of the store from the payment server 40, the settlement institution server 50 performs payment processing for withdrawing the payment from the account number of the purchaser and depositing the money in the deposit account number of the store. And informs the payment server 40 of the completion of the payment processing.

The payment server 40 includes a database 43 for storing the decryption information of the merchant code and the decryption information of the purchaser code and a processor for generating an encryption pattern according to the key code value, A decryption processor 41 for decrypting the received merchant code and the payment information code according to the decryption information corresponding to each of them to acquire the identification information and payment information of the store, the identification information of the store and the payment information, And an authentication processor 42 for notifying the franchise terminal 20 and the purchaser terminal 30 that the settlement processing is completed when the payment processing is completed.

In the embodiment of the present invention, the settlement information code is a combination of the code encrypting the settlement amount and the location information and the buyer code. Therefore, the merger is canceled, the buyer code is decoded into the decoded information stored in the database, The encrypted code is decoded into decryption information to be transmitted to the OTP from the purchaser terminal 30. [

The location information of the store included in the store identification information and the location information of the purchaser terminal included in the payment information are stored in the identification information of the store and the payment information, And the settlement processing is performed only when they are compared with each other.

Accordingly, the authentication processor 42 also checks whether or not the location information of the store acquired by the decryption of the merchant code matches the actual location of the identification means, and performs the settlement processing only when they match. That is, since the location information of the identification means 10 is the location information acquired by the purchaser terminal, the location information included in the payment information is used as the actual location information of the identification means 10, As shown in FIG.

Of course, the database 43 may store the store identification information and the buyer identification information so that the authentication processor 42 may verify the store identification information and the buyer identification information acquired by the decryption processor 41 have.

The decryption of the code in which the payment amount and the location information are encrypted, the decryption of the purchaser code, and the decryption of the merchant code encrypted by the digital data processing as illustrated in Fig. 2 are performed in the reverse order of the procedure shown in Fig. In other words, the code to be decoded is divided into unit sequences of predetermined length, and the unit sequences are arranged in the column direction to generate encrypted matrix data 5, (3) corresponding to the original data (1), and rearranges the matrix data (3) corresponding to the original data (1) in accordance with the order of the rows And obtains the decrypted original data (1). Of course, if the encrypted code is generated by using a plurality of encryption patterns, an encryption pattern is generated and used in reverse of the order of the encryption patterns determined at the time of rearranging the small matrix of the encrypted matrix data 5 The matrix data 3 corresponding to the original data 1 is obtained by repeatedly rearranging the matrix data.

If the merchant code is the one encrypted by the image processing of the document in which the identification information of the store is printed and is transmitted as an encrypted image file, the merchant code is divided into image manipulation of a preset size, an encryption pattern corresponding to the key code value is generated, The original image file (a file in which the identification information of the store is recognized as an image) is obtained, and the identification information of the store displayed in the original image file is recognized.

The payment method using the merchant code according to the embodiment of the present invention will be described with reference to the flowchart shown in FIG. 3, and a payment system using the merchant code described above will be described briefly.

Referring to FIG. 3, the merchant code is stored in the memory of the merchant terminal 20.

The payment method using the merchant code according to the embodiment of the present invention includes a system building step (S10), a payment request accepting step (S20), a payment processing step (S30), and a notification step (S40).

The system building step (S10) establishes a payment system using the merchant code as described above, so that the owner of the purchaser terminal (30) on which the payment application (31) is installed can make payment at the store.

According to this method, the merchant code, which encrypts the identification information of the store with the store as a merchant store, is generated and distributed to stores, upon request from the store, and the identification means 10 having the merchant code is installed in the store (S11) The decryption information of the merchant code is converted into a database in the payment server 40 (S12). Next, when a person who intends to purchase at a store using the payment method according to the present invention installs a payment application in his / her terminal and receives the payment application according to the registration procedure (S13), the purchaser identification information is received according to the registration procedure for the person, And stores the buyer code in the terminal of the person, that is, the buyer terminal 30, and converts the decoded information of the buyer code into a database (S14).

Since the payment method according to the present invention corresponds to electronic payment, it is preferable to distribute the merchant code and the buyer code with the approval of the Tax Office or the tax office.

The payment request accepting step (S20) is a step in which a purchaser who has purchased an item at a store requests payment to a purchaser terminal installed with the payment application. According to this, the purchaser terminal 30 acquires the merchant code (S21), receives the payment amount (S23), acquires the position information (S23), generates the payment information code (S24) Transmits the code to the payment server 40 and makes a payment request (S25).

Since the merchant code is stored in the merchant terminal 20, the merchant code is acquired through short-range communication or communication via a communication network. If the merchant code is an image, it is acquired as an image file by shooting.

The payment amount may be inputted directly by an employee of the store, but may be transmitted from the merchant code by communication with the details of purchase of the goods.

The billing information code is generated by generating the encryption information (the preset length, the predetermined column size and the key code value, and the decryption information) required for encrypting the payment amount and the position information with OTP and storing the payment amount and position information And then merges the encrypted shopper code stored in the purchaser terminal 30 to generate the encrypted shopper code.

The encryption information generated by the OTP is transmitted together with the payment information code and the merchant code to the payment server 40 to be used as decryption information. On the other hand, the module for generating the encryption information by OTP may be included in the payment server 40, and may be generated by the payment server 40 when the payment server 40 is connected to the payment server 40 by the payment request, and may be received from the purchaser terminal.

The settlement processing step S30 decrypts the merchant code and the payment information code to obtain the identification information and payment information of the store, authenticates the identification information of the store and the payment information (S32) (S33).

The decryption of the payment information code precedes the step of separating the payment information code from the buyer code, the payment amount and the encryption code of the location information. Here, the encryption code of the payment amount and the location information decrypts the encryption information generated by the OTP by using it as decryption information.

The buyer code and the merchant code are decoded into decoded information stored in the database to obtain store identification information and buyer identification information.

Authentication of the store identification information and payment information is performed only when the location information obtained from the payment information code is compared with the store location information acquired from the merchant code and if they do not match, And notifies the buyer terminal that the payment process is an improper payment request.

In step S40, the payment server 50 sends a settlement request to the buyer terminal and the merchant terminal, respectively (S41, S42).

On the other hand, if the merchant code is an image obtained by recognizing a document printed with the identification information of the store as an image and moving the image fragments according to the encryption pattern and encrypting the image fragments, the merchant code is printed on the identification means, The purchaser terminal photographs the merchant code with a camera and obtains it as an image file. The decryption information stored in the payment server 40 is a preset size and a key code value.

In addition, if the buyer identification information is not encrypted and the buyer inputs it to the buyer terminal, the buyer identification information is encrypted with the payment information and the position information together with the encryption information generated by the OTP. In this case, the decryption information for decrypting the buyer code is not stored in the payment server, but a public certificate commonly used for communication security between the purchaser terminal and the payment server can be used.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, . ≪ / RTI > Accordingly, such modifications are deemed to be within the scope of the present invention, and the scope of the present invention should be determined by the following claims.

10: Identification means
20: Merchant terminal
30: Buyer terminal
31: Payment application 32: Encryption processor
40: Payment server
41: decryption processor 42: authentication processor 43: database
50: Payment institution server

Claims (8)

Identification means (10) which is capable of acquiring a merchant code in which identification information of a store necessary for settlement processing is encrypted by a purchaser terminal;
A store-owned franchisee terminal 20;
Acquiring the merchant code in a state in which the merchant code is not decrypted, encrypting the payment information including the identification information of the purchaser necessary for the payment process and the payment amount, which is the amount to be paid, and generates a payment information code A purchaser terminal 30 for sending the merchant code in a decrypted state to the payment server 40 together with the payment information code and requesting payment;
Stores information necessary for decryption of the merchant code into the database, decrypts the merchant code to acquire the identification information of the store, decrypts the payment information code, and matches the payment information to be acquired with the identification information of the store, A payment server 40 for notifying the franchise terminal 20 and the purchaser terminal 30 of the payment processing;
And a payment system using the merchant code. The method according to claim 1,
Wherein the identification information of the store includes location information of the store, location information of the store is encrypted in the merchant code,
The purchaser terminal 30 is composed of a mobile terminal having location information acquiring means for acquiring location information, and the location information is included in the payment information,
Wherein the payment server (40) causes the settlement processing to be performed when the location information of the store matches the location information of the purchaser terminal. 3. The method according to claim 1 or 2,
The purchaser terminal 30 generates information to be used for encrypting the payment information in an OTP (One Time Password), encrypts the payment information, and transmits the generated OTP to the payment server 40 for decryption Payment system using merchant code. The method of claim 3,
The purchaser terminal 30 stores the buyer code encrypted with the identification information of the buyer necessary for the payment processing, and stores information excluding the identification information of the buyer among the information to be included in the payment information code as an OTP (One Time Password) Encrypts the billing information code, merges the buyer code into the billing information code,
The settlement server 40 stores the information used for decrypting the buyer code to obtain the buyer identification information, and stores information excluding the buyer's identification information in the payment information code as One Time Password ) Of the merchant code. 5. The method of claim 4,
The merchant code and the buyer code recognize the data of the information to be encrypted as data arranged in a unit set in one of a bit unit, a byte unit and a word unit composed of a preset number of bytes, and divide the unit sequence into a unit sequence of a predetermined length, Matrix data is arranged in a column direction, the matrix data is divided into a predetermined small matrix size, small matrices are rearranged according to an encryption pattern determined according to a key code value,
Wherein the settlement server (40) stores the predetermined length, a predetermined column size, and a key code value necessary for decrypting the merchant code, as a database, and decrypts the merchant code. 6. The method of claim 5,
The merchant code is stored in the identification means (10) using the memory provided in the merchant terminal (20) as the identification means (10)
Wherein the code acquiring means comprises a local communication module or a communication module connected to a communication network and acquires the merchant code from the merchant terminal 20 through the local communication or communication network through the purchaser terminal 30 Payment system using merchant code. The method of claim 3,
The merchant code is an image obtained by dividing an image into image fragments of a preset size by recognizing a document printed with store identification information as an image and rearranging image fragments according to an encryption pattern determined according to a key code value. (10) so as to be able to print,
The code acquiring means comprises a camera, acquires the merchant code from the purchaser terminal (30) as an image file,
Wherein the payment server (40) stores a preset size and key code value necessary for decrypting the merchant code, and decrypts the merchant code. 8. The method of claim 7,
The encryption pattern is set to a plurality of predetermined numbers, and the merchant code is a process of rearranging image fragments in an order of encryption in an encryption pattern. Decryption is performed by applying an encryption pattern in reverse order, And the key code value for the pattern is stored in the payment server (40) as a database.

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