KR20170098357A - Method for Providing Reverse Direction Payment by using Bluetooth - Google Patents

Abstract

The present invention relates to a reverse direction payment method using Bluetooth. According to the present invention, the reverse direction payment method using Bluetooth is performed by a program installed and executed in a wireless terminal of a user with a Bluetooth unit capable of transceiving a Bluetooth-based wireless signal, and comprises: a first step of activating the Bluetooth unit or checking whether the Bluetooth unit is activated to recognize a Bluetooth-based wireless signal transmitted from a member store medium possessed by an offline member store; a second step of reading signal data corresponding to the wireless signal received from the member store medium via the activated Bluetooth unit to recognize recognition information including unique information of the member store medium; a third step of transmitting medium recognition information including the unique information included in the recognition information to a server to receive payment information recently mapped and registered within a designated time in payment information mapped and registered with the unique information via a terminal of a member store possessing the member store medium; and a fourth step of using a payment means usable in the wireless terminal to perform a payment procedure to process a payment for the payment information.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a reverse payment method using Bluetooth,

The present invention relates to a mobile wireless terminal for receiving and reading a Bluetooth-based wireless signal transmitted from a merchant point medium held at an offline merchant point, recognizing a merchant point medium held at a specific offline merchant point, mapping the recognized merchant point medium with the merchant point medium And receives the registered payment information and performs payment processing in the reverse direction.

In the conventional offline merchant payment process, when a customer presents a card or a mobile phone held by the customer to the merchant, the flow of reading the customer's card or mobile phone from the payment terminal provided at the merchant, Forward flow).

Accordingly, in the case of the conventional off-line merchant payment, a payment terminal which is a starting point of the forward flow for the forward flow should be provided in the merchant store, and a network infrastructure for the forward flow should be established at each merchant store.

Recently, a reverse order settlement method has been proposed in which a smartphone of a user is ordered to a POS terminal of an offline store, and then the payment amount is paid using a user smart phone rather than a POS terminal of a store (Patent Publication Laid- 0011776 (Feb.

However, the conventional reverse order settlement has a reverse flow in that it only uses a user smart phone, and still uses the POS terminal of the offline store for ordering in reverse, so that the POS terminal capable of accepting the reverse order is provided Or even if a POS terminal is provided, it is difficult to use a function to accept an order via a user smart phone and to use it when the network infrastructure is not provided.

In order to solve the above problems, an object of the present invention is to provide a mobile wireless terminal for receiving and reading a Bluetooth-based wireless signal transmitted from a merchant medium held at an offline merchant and recognizing a merchant medium held at a specific offline merchant, And transmits the medium identification information including the unique information included in the recognized identification information to the designated server, and the terminal is mapped and registered recently within the predetermined time period of the unique information and the registered payment information through the terminal of the affiliated store, And a settlement procedure for processing settlement of the settlement information by using the settlement means available in the wireless terminal after receiving the settlement information.

A method for a reverse payment using Bluetooth according to the present invention is a method executed through a program installed in a user wireless terminal having a Bluetooth unit capable of transmitting and receiving a Bluetooth-based wireless signal, the method comprising: The method comprising: a first step of activating or activating the Bluetooth unit so as to recognize a wireless signal; reading out signal data corresponding to a wireless signal received from the merchant medium via the activated Bluetooth unit, A second step of recognizing recognition information including unique information included in the recognition information, and transmitting the medium recognition information including the unique information included in the recognition information to a designated server, Specified date of billing information Using a third step, a payment method available in the wireless terminal that recently received mapping register the payment information to the in time and a fourth step of performing a billing procedure for processing a payment for the payment information.

According to the present invention, the unique information may include a unique code unique to the merchant medium. According to the present invention, the unique information may include a dynamic code generated in accordance with a code generation rule set to generate a code that does not overlap with a dynamic code generated in another merchant's medium in the merchant's media. On the other hand, the payment information may be registered in the terminal of the affiliate shop together with the recognized unique information after recognizing the unique information including the dynamic code originally generated in the affiliate shop media without duplication.

According to the present invention, the franchisee media may include at least one of a card-shaped medium produced in the form of a card, a portable medium carried by the franchisee host (or employee), and a stationary medium stationed at the franchisee.

According to the present invention, the second step may further include reading the unique information recognized from the franchisee's medium and authenticating whether or not it is composed of a code system corresponding to the unique information of the franchisee's media.

According to the present invention, the recognition information may further include a one-time code generated by the merchant medium, and the second step may further include authenticating the validity of the one-time code included in the recognition information.

According to the present invention, the recognition information further includes a disposable code generated by the merchant medium, the medium recognition information further includes a disposable code included in the identification information, and the disposable code is valid through the server Can be authenticated.

According to the present invention, the payment information may include a payment amount input through the terminal of the merchant. The payment information may further include merchant information for payment of an affiliated store having the affiliated store medium.

According to the present invention, the payment information is registered within a predetermined period of time based on a time point at which the server received the medium identification information from the server, among the payment information mapped and registered with the unique information through the terminal of the merchant, And may include payment information.

According to the present invention, the payment information is registered within a predetermined period of time based on a time point at which the server receives the medium identification information from the server, among the payment information mapped and registered with the unique information through the terminal of the merchant, And may include payment information without the provided history.

According to the present invention, the payment information is registered within a predetermined period of time based on a time point at which the server receives the medium identification information from the server, among the payment information registered and mapped with the unique information through the terminal of the merchant, And may include history-less payment information provided to any user terminal.

According to the present invention, the medium recognition information includes recognition time information that recognizes the recognition information from the merchant store medium, and the payment information includes the recognition time of the payment information mapped with the unique information through the terminal of the merchant And may include the most recently registered payment information registered within the past predetermined time period based on the information.

According to the present invention, the medium recognition information includes recognition time information that recognizes the recognition information from the merchant store medium, and the payment information includes the recognition time of the payment information mapped with the unique information through the terminal of the merchant Information that is registered in the past predetermined time based on the information and has no history provided to the user wireless terminal.

According to the present invention, the medium recognition information includes recognition time information that recognizes the recognition information from the merchant store medium, and the payment information includes the recognition time of the payment information mapped with the unique information through the terminal of the merchant Information that is registered in a past time based on the information and has no history provided to any user terminal including the user wireless terminal.

According to the present invention, an offline franchisee is provided with a separate franchisee media that can be recognized through the user wireless terminal, without having a payment terminal such as a POS terminal, and recognizes the franchisee media through the user wireless terminal, There is an advantage in that the user wireless terminal receives payment information registered and mapped with the merchant's media through the merchant's terminal and processes the payment of the offline merchant through the user's wireless terminal in the reverse direction through the POS terminal or another merchant terminal.

According to the present invention, the merchant's stock (or employee) requests payment of the payment amount to the user (= user of the wireless terminal that recognized the merchant's media) with a simple action of inputting the payment amount to the app of the wireless terminal possessed by the merchant There is an advantage that the payment is processed in the reverse direction through the wireless terminal of the user without using the POS terminal or the separate merchant terminal.

1 is a diagram illustrating a functional configuration of a user wireless terminal according to an embodiment of the present invention.
2 illustrates a configuration of an uplink payment system using a merchant's media according to an embodiment of the present invention.
3 is a diagram illustrating a registration process of a user wireless terminal according to an embodiment of the present invention.
4 is a diagram illustrating a registration process of an affiliated terminal according to an embodiment of the present invention.
5 is a diagram illustrating a process of registering payment information according to an embodiment of the present invention.
6 is a diagram illustrating a process of recognizing a franchise medium according to an embodiment of the present invention.
7 is a diagram illustrating a reverse payment process according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. In the following embodiments, a specific configuration unit implemented on the server side is implemented on the terminal side and reference is made on the server side, or conversely, in the following embodiments, a specific configuration unit implemented on the terminal side is implemented on the server side, And all of the embodiments utilizing the same are also included in the scope of the present invention. Therefore, it should be clearly stated that various embodiments corresponding to subsets or combinations based on the following embodiments can be subdivided based on the filing date of the present invention.

In the following description of the present invention, a 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. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

1 is a diagram illustrating a functional configuration of a user wireless terminal 100 according to an embodiment of the present invention.

More specifically, FIG. 1 illustrates a method of receiving and reading a Bluetooth-based wireless signal transmitted from a merchant store medium 270 held at an offline merchant store, recognizing a merchant store medium 270 held at a specific offline merchant store, The program function configuration of the user wireless terminal 100, which receives the payment information registered by mapping with the franchise store 270 at the merchant store and processes the payment, is described. As far as the person skilled in the art is concerned, Referring to and / or modified with respect to FIG. 1, various implementations of the functionality of the wireless terminal 100 may be deduced, but the present invention includes all of the above- The technical features thereof are not limited only by the method of implementation. Preferably, the wireless terminal 100 of FIG. 1 may include at least one of various smart phones capable of wireless communication, various tablet PCs, various PDAs, and various mobile phones.

1, the wireless terminal 100 includes a control unit 102, a memory unit 124, a screen output unit 104, a user input unit 106, a sound processing unit 108, a Bluetooth unit 110, A wireless LAN communication unit 118, a positioning unit 122, a USIM reader unit 120, and a USIM, and is provided with a battery for power supply, Respectively.

The control unit 102 is a general term for controlling the operation of the wireless terminal 100. The control unit 102 includes at least one processor and an execution memory, BUS). According to the present invention, the control unit 102 loads at least one program code included in the wireless terminal 100 into the execution memory through the processor, and outputs the result through at least one configuration And controls the operation of the wireless terminal 100. FIG. Hereinafter, the configuration of the program 130 of the present invention, which is implemented in the form of program code for convenience, will be described in the control unit 102.

The memory unit 124 is a general term of a nonvolatile memory corresponding to a storage resource of the wireless terminal 100 and includes at least one program code executed through the control unit 102 and at least one Save and maintain the dataset. The memory unit 124 basically includes a system program code and a system data set corresponding to the operating system of the wireless terminal 100, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal 100, The program code and data set corresponding to the program 130 of the present invention are also stored in the memory unit 124. [

The screen output unit 104 includes a screen output unit such as a liquid crystal display (LCD) and a driving module for driving the screen output unit 104. The screen output unit 104 is connected to the control unit 102, And outputs an operation result corresponding to the output to the screen output device.

The user input unit 106 includes at least one user input device such as a button, a keypad, a touch pad, a touch screen interlocked with the screen output unit 104, and a drive module for driving the touch screen. And inputs a command for instructing various operations of the control unit 102 or data necessary for the operation of the control unit 102. [

The sound processing unit 108 includes a speaker for outputting a sound signal and a drive module for driving the speaker. The sound processing unit 108 decodes sound data corresponding to a sound output from the various calculation results of the control unit 102, Output. The sound processor 108 includes a microphone for receiving a sound signal and a driving module for driving the microphone. The sound processor 108 encodes a sound signal inputted through a microphone according to a predetermined encoding rule, and transmits the encoded sound signal to the controller 102 .

The Bluetooth unit 110 may be configured to perform a pairing based two-way Bluetooth wireless communication, asynchronous wireless communication (e.g., wireless communication in which request / response is processed asynchronously), a unidirectional wireless signal Based wireless signal according to a specification after Bluetooth Specification 4.0 (for example, Bluetooth Smart) as a general term of communication resources for processing at least one Bluetooth communication during transmission / reception of beacon signals . The Bluetooth unit 110 may receive the Bluetooth-based wireless signal and transmit the signal data included in the received wireless signal to the control unit 102. Alternatively, signal data transmitted from the controller 102 may be included in a Bluetooth-based wireless signal and transmitted.

The camera unit 112 is composed of an optical unit corresponding to a camera, a CCD (Charge Coupled Device) and a drive module for driving the CCD unit, and acquires image data or image data in bitmap form input to the CCD through the optical unit . The data obtained through the camera unit 112 may include still image data or moving image data.

The NFC unit 114 may be a communication resource for processing one or more proximity wireless communications among two-way close proximity wireless communication, full-duplex proximity wireless communication, and half-duplex proximity wireless communication using a radio frequency signal as a communication medium at a close distance (e.g., , And is capable of processing proximity wireless communication according to the NFC (Near Field Communication) standard of the 13.56-MHz frequency band. Alternatively, the NFC unit 114 may process the proximity wireless communication of the ISO 18000 series standard, in which case it may process the proximity wireless communication for the frequency band other than the 13.56 Mz frequency band. For example, the NFC unit 114 can operate in a reader mode, a tag mode, or a bidirectional communication mode.

The wireless network communication unit 118 and the local area network communication unit 116 are collectively referred to as communication resources for connecting the wireless terminal 100 to a designated communication network. Preferably, the wireless terminal 100 may include a wireless network communication unit 118 as a basic communication resource, and may include one or more short-range network communication units 116.

The wireless network communication unit 118 is a collective term for communication resources for connecting the wireless terminal 100 to a wireless communication network via a base station and includes an antenna for transmitting and receiving a radio frequency signal of a specific frequency band, And at least one processing module. The control unit 102 is connected to the control unit 102 and transmits operation results corresponding to wireless communication among various operation results of the control unit 102 through a wireless communication network or receives data through a wireless communication network To the control unit 102, and performs the connection, registration, communication, and handoff procedures of the wireless communication. According to the present invention, the wireless network communication unit 118 can connect the wireless terminal 100 to a call network including a call channel and a data channel via the exchange, and in some cases, Based wireless network data communication (e.g., the Internet).

According to an embodiment of the present invention, the wireless network communication unit 118 is a mobile communication unit that performs at least one connection, a location registration, a call processing, a call connection, a data communication, and a handoff to a mobile communication network according to the CDMA / WCDMA / ≪ / RTI > Meanwhile, according to the intention of a person skilled in the art, the wireless network communication unit 118 may further include a portable internet communication structure for performing at least one of connection to the portable Internet, location registration, data communication and handoff according to the IEEE 802.16 standard, It is evident that the present invention is not limited by the wireless communication configuration provided by the wireless network communication unit 118. [ That is, the wireless network communication unit 118 is a collective term for a constituent unit connected to a wireless communication network through a cell-based base station irrespective of a frequency band of a wireless section, a type of a communication network, or a protocol.

The short-range network communication unit 116 is a generic name of communication resources for connecting a communication session using a radio frequency signal within a predetermined distance (for example, 10 m) as a communication medium and connecting the wireless terminal 100 to the communication network based on the communication session , The wireless terminal 100 may be connected to the communication network through at least one of Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB. According to an embodiment of the present invention, the local area network communication unit 116 may be integrated with or separated from the wireless network communication unit 118. According to the present invention, the short-range network communication unit 116 connects the wireless terminal 100 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader 120 is a generic term of a configuration for exchanging at least one data set with a universal subscriber identity module that is mounted or detached from the wireless terminal 100 based on the ISO / IEC 7816 standard , And the data set is exchanged in a half duplex communication manner through an APDU (Application Protocol Data Unit).

The USIM is an SIM type card having an IC chip according to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader 120, (Or processing) the program code for the IC chip or extracting (or processing) the data set in accordance with at least one command transmitted from the wireless terminal 100 in connection with the input / output interface To the input / output interface.

The positioning unit 122 is a collective term of positioning resources for positioning the position of the wireless terminal 100. The positioning unit 122 is preferably a positioning system using GPS (Global Positioning System), a network system positioning using network resources, And a hybrid method in which the wireless terminal 100 is combined with a network system. The terminal mode positioning is a technique for precisely positioning the position of the wireless terminal 100 through a GPS module (or a module including a GPS function) built in the wireless terminal 100, (Assisted-GPS) system that the base station 100 reads and informs the base station, a DGPS (Differential GPS) system that receives the correction signal from the ground reference receiver and corrects the error of the position signal received from the satellite, and the like have.

The control unit 102 of the wireless terminal 100 is connected to a designated program providing server (for example, an app store of Apple Inc.) via a data network connectable via at least one communication resource of the local area network communication unit 116 and the wireless network communication unit 118 Etc.), and the installed program 130 is executed according to a specified procedure.

Referring to FIG. 1, a program 130 of the wireless terminal 100 activates or activates the Bluetooth unit 110 so as to recognize a Bluetooth-based wireless signal transmitted from a merchant store medium 270 held at an offline merchant, And transmits the signal data corresponding to the radio signal received from the franchise point media 270 via the activated Bluetooth unit 110 to the unique information of the franchise point media 270 And a franchise point medium recognition unit (140) for recognizing the identification information including the franchise point identification information and the franchise point identification unit (145), and authenticating the validity of the recognition information recognized from the franchise point medium (270).

The offline franchisee according to the present invention includes a merchant's point media 270 equipped with a chip capable of transmitting and receiving a Bluetooth-based wireless signal for reverse payment according to the present invention. According to an embodiment of the present invention, the off-line merchant may include a merchant terminal such as a POS terminal, but this is not essential for the reverse payment of the present invention, and the merchant terminal may not be provided in the offline merchant. The offline merchant may be provided with a terminal capable of inputting the payment amount for the reverse payment and mapping the payment information including the payment amount to the designated operation server 200 together with the unique information of the member store medium 270, For example, the terminal 260 of the merchant registering the payment information may be a wireless terminal used by the merchant (or employee).

The merchant medium 270 includes a chip capable of transmitting / receiving (specifically transmitting) a Bluetooth-based wireless signal receivable through the Bluetooth unit 110, and is preferably a card-type medium manufactured in the form of a card, ), And a stationary medium that is stationed at an affiliate store. In the meantime, the franchise store 270 is not limited to one franchise store, and a plurality of franchise stores 270 may be simultaneously owned by one franchise store (for example, in the case of a gas station, a franchise store 270 ) Can be held).

The chip of the merchant's point media 270 constitutes signal data including unique unique information that does not overlap with other merchant's media provided at the other merchant's point and sends out via the Bluetooth-based wireless signal. In other words, the unique information of the franchise point media 270 can be used as an identification means for uniquely identifying the specific franchise point media 270 held at the specific franchise point, And may be used as an identification means for identifying a specific franchisee having the franchise shop 270.

According to the first specific information embodiment of the present invention, the chip of the merchant media 270 stores a unique code uniquely assigned to the chip of the other merchant media, ) Or by checking the unique information including the unique code according to a designated wireless interface procedure, configuring signal data including the unique information, and transmitting the signal data through a Bluetooth-based wireless signal.

According to the second specific information embodiment of the present invention, the chip of the merchant store medium 270 is provided with a code generation rule set to generate a code that does not overlap with a dynamic code generated by a chip of another merchant store medium, (Or employee), or a dynamic code which is not duplicated with a dynamic code generated in a chip of another merchant medium according to a designated wireless interface procedure, and confirms the generated dynamic code with unique information and includes the unique information And transmit the data through a Bluetooth-based wireless signal.

According to the third characteristic information embodiment of the present invention, the chip of the merchant point medium 270 identifies unique information of a form in which at least two or more of the first and second unique information embodiments are at least partially combined, The present invention is not limited to the above-described embodiments.

According to an embodiment of the present invention, the unique information corresponding to at least one embodiment of the first to third unique information embodiments is a unique code system (e.g., a digit, code Arrangement rules, unique checksum rules, etc.).

Meanwhile, according to the method of the present invention, the chip of the merchant's point media 270 has a function of dynamically generating a disposable code through a designated code generation algorithm, and a signal including the generated disposable code Data can be composed and transmitted through a Bluetooth-based wireless signal. To this end, the chip of the franchise store 270 may store at least one seed value for dynamically generating a disposable code, and the unique information may be used as one of the seed values according to an implementation method. The franchise point medium 270 may generate a time-synchronous single-use code. In this case, the franchise point medium 270 drives a timer using an internal power source, and the time value obtained through the timer is used as a dynamic seed And can generate the disposable code by receiving the time value from the user wireless terminal 100 or the terminal 260 of the merchant through the Bluetooth communication according to the method of operation. Meanwhile, according to another embodiment of the present invention, the chip of the member store medium 270 receives a random value or a designated eigenvalue from the user wireless terminal 100 or the terminal 260 of the affiliate shop through the Bluetooth communication, The present invention is not limited thereto. According to the present invention, the unique information is used as the identification means for identifying the franchisee media 270 (or the franchisee), while the one-time code is used for authenticating the franchisee media 270 (or the franchisee) corresponding to the unique information And is used as an authentication means.

According to the embodiment of the present invention, the chip of the merchant's point media 270 and the Bluetooth unit 110 of the wireless terminal 100 may not be paired in advance. Accordingly, the chip of the franchisee media 270 may be used for asynchronous wireless communication (e.g., wireless communication in which the request / response is processed asynchronously) or a unidirectional wireless signal (for example, a beacon signal for broadcasting without specifying the receiving side) Based wireless signal including the signal data through a wireless signal corresponding to the Bluetooth-based wireless signal. If the chip of the merchant medium 270 and the Bluetooth unit 110 of the wireless terminal 100 are paired or perform a real-time pairing procedure Based on the Bluetooth communication, the chip of the merchant medium 270 transmits the Bluetooth-based wireless signal including the signal data through the pairing-based Bluetooth wireless communication The present invention is not limited thereto.

The activation processing unit 135 checks whether the Bluetooth unit 110 of the wireless terminal 100 is activated to receive the Bluetooth-based wireless signal transmitted from the chip of the merchant's point of sale 270 as described above. If the Bluetooth unit 110 is not activated to receive the Bluetooth-based wireless signal transmitted from the chip of the affiliated store medium 270, the activation processing unit 135 transmits the Bluetooth-based wireless signal to the Bluetooth unit Based wireless signal transmitted from the chip of the merchant's point of sale medium 270, or may request the user to activate the Bluetooth unit 110. In this case,

If it is confirmed that the Bluetooth unit 110 is activated to receive the Bluetooth-based wireless signal transmitted from the chip of the merchant's point media 270 through the activation processing unit 135, the merchant's point media recognition unit 140 Reads the signal data corresponding to the radio signal transmitted from the chip of the franchise point media 270 through the activated Bluetooth unit 110 and received by the Bluetooth unit 110 to include the unique information of the franchise point media 270 And recognizes the recognition information. Preferably, the franchise point media recognition unit 140 may recognize recognition information including unique information corresponding to at least one of the first to third unique information embodiments.

According to the method of the present invention, the recognition information may further include a disposable code to be dynamically generated in the chip of the merchant's point of interest (270) in addition to the unique information, and thus the present invention is not limited thereto.

When the recognition information is recognized from the signal data corresponding to the Bluetooth-based wireless signal transmitted from the chip of the merchant's point media 270 through the merchant's medium recognition unit 140, the merchant's point medium authentication unit 145 determines It is possible to authenticate whether or not the information is recognized from the member store medium 270 held at the offline merchant. For example, the franchise point authentication unit 145 can not authenticate the user until the recognition information recognized through the Bluetooth unit 110 is the information recognized from the franchise store 270 held at a certain franchisee (if the wireless terminal 100 It is possible to recognize at least one of the franchisee media 270 held by the franchisee if the information comparable to the identification information is stored in the memory unit 124 of the franchisee) Information can be authenticated.

According to the embodiment of the present invention, the unique information of the franchise point media 270 is formed with a designated code system. The franchise point media authenticator 145 receives the unique information (E.g., a digit, a code array, a checksum, etc.) of the information code system to authenticate that the unique information included in the recognition information recognized through the Bluetooth unit 110 is unique information of the merchant's point of sale.

Meanwhile, according to the method of the present invention, the chip of the merchant's point media 270 can transmit a Bluetooth-based wireless signal including the unique information and the one-time code dynamically generated in the chip of the merchant's point of sale 270, In this case, the franchise point media recognition unit 140 can recognize the identification information including the unique information and the disposable code. If the recognition information including the disposable code is recognized through the merchant's media recognition unit 140, the merchant's media authenticator 145 generates a code used to generate the disposable code on the chip of the merchant's media 270 A validation code for verifying the validity of the disposable code is generated using an algorithm and various seed values, and the validity of the disposable code can be authenticated through the verification code. Meanwhile, when the validity authentication of the disposable code is performed through the operation server 200, the merchant's media authenticator 145 may not authenticate the validity of the disposable code. In this case, however, Information may be transmitted to the operation server 200 and authenticated through the operation server 200.

Referring to FIG. 1, a program 130 of the wireless terminal 100 includes a media recognition information configuration unit (not shown) that configures media recognition information to be transmitted to a specified operation server 200 including unique information included in the recognition information A media recognition information transmission unit 155 for transmitting the configured media recognition information to the designated operation server 200 and a terminal 260 of a merchant store having the merchant store medium 270 from the operation server 200. [ And a payment information receiving unit (160) for receiving the payment information that is recently mapped and registered within a predetermined time period of the unique information and the registered payment information through the payment information receiving unit (160). The payment information receiving unit And a payment information display unit 165 displaying the payment information.

The media recognition information configuration unit 150 configures medium identification information to be transmitted to the designated operation server 200 including the unique information included in the recognition information recognized through the franchise point media recognition unit 140. [

According to the method of the present invention, when the program 130 is downloaded to the wireless terminal 100 for the first time (or before execution of the subscription), the program 130 of the wireless terminal 100 transmits the designated operation server (Or assigned) to receive the identification and authentication of the wireless terminal 100 in the state in which the program 130 is installed and operated in cooperation with the wireless terminal 100 in the designated storage area of the wireless terminal 100 , And the unique authentication information is also registered in the operation server 200. Preferably, the unique authentication information includes code values uniquely generated (or assigned) after the program 130 is downloaded to the wireless terminal 100 without being duplicated.

In the meantime, according to the embodiment of the present invention, in the designated storage area of the wireless terminal 100, unique identification information (for example, telephone number) assigned to uniquely identify the wireless terminal 100 before downloading the program 130 Number, MSISDN, IMSI, IMEI, UICC_ID, etc.) can be assigned / stored. However, the unique identification information is information for identifying the wireless terminal 100 and can not identify the wireless terminal 100 in which the program 130 is installed (i.e., The program 130 can not be authenticated because the program 130 can not be authenticated in the state where the program 130 is installed in the wireless terminal 100 130 may be installed and executed, the unique authentication information may be generated / allocated through the program 130 and stored in the designated storage area of the wireless terminal 100.

According to the embodiment of the present invention, the media recognition information configuration unit 150 configures media recognition information including unique information included in the recognition information recognized through the merchant's point media recognition unit 140, Accordingly, the medium identification information may further include at least one piece of information.

According to the first medium recognition information embodiment of the present invention, the medium recognition information configuration unit 150 includes unique information included in the recognition information, and the unique authentication information stored in the designated storage area of the wireless terminal 100 The medium identification information can be configured.

According to the second medium recognition information embodiment of the present invention, the medium recognition information configuration unit 150 includes unique information included in the recognition information, and the unique identification information stored in the designated storage area of the wireless terminal 100 The medium identification information can be configured.

According to the third medium recognition information embodiment of the present invention, the medium recognition information configuration unit 150 may include unique information included in the recognition information, and may include, in the recognition information, When the disposable code is included, the medium identification information including the disposable code included in the identification information can be configured.

According to the fourth medium recognition information embodiment of the present invention, the media recognition information configuration unit 150 includes unique information included in the recognition information, and the wireless terminal (e.g., 100) of the medium identification information.

According to the fifth medium recognition information embodiment of the present invention, the medium recognition information constructing unit 150 includes unique information included in the recognition information, and transmits the medium recognition information at the time of recognizing the recognition information, (For example, a code value generated by substituting a seed value specified in a specified code generation algorithm) dynamically generated via the wireless terminal 100 (or the program 130) .

According to the sixth medium recognition information embodiment of the present invention, the medium recognition information constructing unit 150 includes unique information included in the recognition information, and transmits the medium recognition information at the time of recognizing the recognition information, Side password inputted through the program 130 of the wireless terminal 100 at a time point of time.

According to the seventh medium recognition information embodiment of the present invention, the medium recognition information constructing unit 150 includes unique information included in the recognition information, and recognizes the recognition information through the merchant point medium recognition unit 140 It is possible to construct medium recognition information further including one recognition time information.

According to the eighth medium recognition information embodiment of the present invention, the medium recognition information configuration unit 150 includes unique information included in the recognition information, and further includes transmission time information constituting the medium recognition information to be transmitted It is possible to configure the medium recognition information.

According to the ninth media recognition information embodiment of the present invention, the media recognition information configuration unit 150 includes unique information included in the recognition information, and at least two of the first to eighth media recognition information embodiments It is possible to construct medium recognition information further including information that at least partially combines the information included in the embodiment, and thus the present invention is not limited thereto.

The media recognition information transmitting unit 155 transmits the media recognition information configured corresponding to at least one of the first to ninth media recognition information embodiments to the designated operation server 200. The operation server 200 receives the medium identification information from the program 130 of the wireless terminal 100 and authenticates the validity of various configuration information included in the medium identification information according to the method.

If the unique authentication information for authenticating the unique identification of the wireless terminal 100 including the unique authentication information and the program 130 installed in the operation server 200 is registered in the medium identification information, The server 200 can authenticate the validity of the unique authentication information included in the medium identification information using the registered unique authentication information.

Or if the unique identification information is included in the medium identification information and the unique identification information of the wireless terminal 100 is registered in the operation server 200, the operation server 200 may use the registered unique identification information And authenticate the validity of the unique identification information included in the medium identification information.

Or if the one-time code generated by the chip of the merchant's point media 270 is included in the medium identification information, the operating server 200 generates a code used to generate the one- The verification code may be generated using the algorithm and the seed value, and the validity of the disposable code included in the medium identification information may be verified using the generated verification code.

Or if the location information of the wireless terminal 100 is included in the medium identification information and the address information (or location information) of the affiliated store having the affiliated store medium 270 is registered in the operation server 200, The server 200 can authenticate the validity of the location information of the wireless terminal 100 included in the medium identification information by using the address information (or the location information) of the affiliated store. In the present invention, the authentication of the location information is an auxiliary authentication means. For example, if the merchant is a delivery company, the location at which the merchant store 270 of the merchant is recognized by the user wireless terminal 100 may be the current location of the user (e.g., home, office, etc.) In this case, the location information of the wireless terminal 100 and the address information (or location information) of the merchant may not match.

Or if the media identification information includes a user authentication code dynamically generated through the wireless terminal 100 (or the program 130), the operation server 200 may determine whether the wireless terminal 100 130) generates a verification code using a code generation algorithm and a seed value used to generate the user side authentication code, and generates a verification code using the generated verification code to verify the validity of the user side authentication code included in the medium identification information Can be authenticated.

Or if the user identification information inputted through the program 130 of the wireless terminal 100 is included in the medium identification information, the operation server 200 transmits the medium identification information using the registered user's password The validity of the included user-side password can be authenticated.

When the medium identification information including the unique information of the franchisee media 270 is received from the program 130 of the wireless terminal 100 and / or the validity of various configuration information included in the medium identification information is authenticated, The operation server 200 confirms the payment information recently mapped and registered within the predetermined time period of the unique information and the registered payment information through the terminal 260 of the merchant store having the merchant store 270, To the program 130 of the terminal 100.

According to the embodiment of the present invention, it is also possible that a point of time before, during, or after transmission of a Bluetooth-based wireless signal including the unique information from a chip of the merchant's point of sale medium 270, The terminal 260 of the franchisee having the franchise store 270 at a certain point in time before or after performing the operation of receiving the Bluetooth-based wireless signal transmitted from the chip of the franchise terminal 270, And transmits the payment information including the payment amount and the unique information of the franchisee media 270 to the designated operation server 200 to allow the franchisee media 270) and the payment information. Preferably, the mapping-registered payment information includes a payment amount input through the terminal 260 of the merchant, and the merchant information (e.g., the payment amount of the merchant's terminal 260) The merchant information received from the operating server 200, or the merchant information previously registered in the operating server 200).

According to the first embodiment of the payment information registration method of the present invention, the franchisee terminal 260 can store unique information of the franchise store 270 held by the franchisee, and when the payment amount is input to the franchisee terminal 260 The terminal 260 of the merchant shop can register the payment information including the input payment amount and the unique information of the merchant store 270 in the designated operation server 200. [

According to the second payment information registration embodiment of the present invention, the merchant terminal 260 can recognize the Bluetooth-based wireless signal transmitted from the chip of the merchant media 270 similarly to the user wireless terminal 100 Upon inputting the payment amount to the merchant terminal 260, the merchant terminal 260 recognizes the Bluetooth-based wireless signal transmitted from the chip of the merchant store 270 and recognizes the unique information of the merchant store 270 And can register the payment information including the input payment amount and the unique information of the recognized franchise shop 270 in the designated operation server 200.

According to the third embodiment of the payment information registration method of the present invention, when the unique information of the merchant store medium 270 includes a dynamic code generated by a chip of the merchant store medium 270, the terminal 260 of the merchant store It is possible to generate the same dynamic code as the dynamic code generated by the chip of the member store medium 270 through the same code generation rule as the code generation rule for generating the dynamic code in the chip of the member store medium 270, 260, the merchant terminal 260 can register the payment information including the entered payment amount and the unique information including the generated dynamic code in the designated operation server 200. [

According to the fourth payment information registration embodiment of the present invention, the operation server 200 can register and store the unique information of the franchise shop 270 and the franchise shop information of the franchisee, and the franchisee terminal 260 And store the merchant information. In this case, when the payment amount is inputted into the terminal 260 of the merchant, the merchant terminal 260 may register the payment information including the payment amount and the merchant information in the designated operating server 200, 200 can map and register the payment information and the unique information of the corresponding franchise store 270 using the franchise information.

According to the fifth embodiment of the payment information registration method of the present invention, the operation server 200 may store the unique information of the merchant's point of sale medium 270 and the unique information of the merchant's terminal 260, The authentication information may be registered and stored in the mapping, and the merchant terminal 260 may store the unique authentication information. The terminal 260 of the affiliated shop may register the payment information including the payment amount and the unique authentication information in the designated operation server 200 when the payment amount is inputted into the terminal 260 of the affiliated shop, The mobile terminal 200 can map and register the payment information and the unique information of the corresponding franchise store 270 using the unique authentication information.

According to the sixth payment information registration embodiment of the present invention, the operation server 200 can register and store the unique information of the affiliated store medium 270 and unique identification information that identifies the terminal 260 of the affiliated store, , The merchant terminal 260 may store the unique identification information. The terminal 260 of the affiliated shop may register the payment information including the payment amount and the unique identification information in the designated operation server 200 when the payment amount is inputted into the terminal 260 of the affiliated shop, The mobile terminal 200 can map and register the payment information and the unique information of the corresponding franchisee store 270 using the unique identification information.

According to the seventh payment information registration embodiment of the present invention, the payment information is at least partially combined with at least two of the first to sixth payment information registration examples, and is mapped with unique information of the affiliate store medium 270 And the payment information includes a payment amount input through the terminal 260 of the merchant, and may further include merchant information for payment of the merchant.

According to an embodiment of the present invention, the operation server 200 may include a payment amount input through the terminal 260 of the merchant in accordance with at least one embodiment of the first to seventh payment information registration examples The payment information and the unique information of the franchise shop 270 can be mapped and registered, and the terminal 260 of the franchise shop can receive the payment information including the payment amount at any time and unique information of the franchise shop 270 It can be registered and mapped to the operation server 200.

According to the embodiment of the present invention, at the time of registering the payment information including the payment amount and the unique information of the franchise shop 270 from the terminal 260 of the franchisee to the operation server 200, When the user wireless terminal 100 is not specified and the user wireless terminal 100 recognizes the unique information of the member store medium 270 and transmits the medium identification information including the unique information to the operation server 200 The user wireless terminal 100 to be provided with the payment information registered through the terminal 260 of the merchant can be specified.

According to the embodiment of the present invention, in order to specify any payment information to be provided to the user wireless terminal 100 among the payment information registered at any time through the terminal 260 of the merchant, time information, order information, One or more pieces of history information may be used. That is, the operating server 200 manages the time information for registering the payment information including the payment amount from the terminal 260 of the merchant, and acquires the order information of each payment information from the terminal 260 of the merchant And manages the history information of the payment information provided to one user wireless terminal 100 after each payment information is registered from the terminal 260 of the merchant.

When the media recognition information configured corresponding to at least one of the first to ninth media recognition information embodiments is received from the program 130 of the user wireless terminal 100, After the validity of various configuration information included in the identification information is authenticated (optional), the unique information of the affiliated store medium 270 included in the medium identification information is used to transmit the unique information through the terminal 260 of the affiliated shop The mapping information is mapped and registered in a predetermined time from among the registered payment information, and confirms any payment information that has been recently registered, and provides the payment information to the program 130 of the wireless terminal 100.

According to the first embodiment of the payment information providing method of the present invention, the operation server 200 confirms the time at which the media recognition information is received from the program 130 of the wireless terminal 100, (For example, 2 minutes, 1 minute, 30 seconds, 1 minute, 30 minutes) on the basis of the time of receiving the medium recognition information after confirming the time information in which the unique information and mapping information registered with the unique information are registered Seconds, 10 seconds, etc.) through the terminal 260 of the merchant's terminal. If the payment information registered as a mapping through the terminal 260 of the merchant is not confirmed within the past predetermined period of time at the time of receiving the medium identification information, the operation server 200 determines that the merchant The mobile terminal 260 may wait for the payment information to be mapped and registered in the mobile terminal 260 and request the merchant terminal 260 to register the payment information using the unique information of the merchant's point of sale 270 according to the method. If one settlement information registered in a past time is present or one settlement information is registered through a terminal 260 of a merchant within a predetermined time based on the time when the medium recognition information is received, (200) can provide the confirmed / registered payment information to the program (130) of the wireless terminal (100).

On the other hand, if there are two or more pieces of payment information registered through the merchant terminal 260 within the past predetermined time based on the time when the medium recognition information is received from the program 130 of the wireless terminal 100, Before receiving the payment information to the program 130 of the wireless terminal 100 after receiving the medium identification information in a state where at least one payment information registered through the merchant terminal 260 exists, When the new payment information is registered in real time through the terminal 260 and more than one registered payment information exists, the operation server 200 reads the order information of the registered two or more payment information, Determines the settlement information to be provided to the program (130) of the wireless terminal (100) as the settlement information most recently registered among the settlement information, And provide payment information to the program 130 of the wireless terminal 100.

If there is at least one payment information registered through the merchant's terminal 260 within the past predetermined time based on the time when the medium identification information is received from the program 130 of the wireless terminal 100, The control unit 200 reads the history information of the payment information and determines whether there is a history provided within the past predetermined time period designated by the user wireless terminal 100 that transmitted the medium identification information. According to the embodiment of the present invention, as the payment information including the payment amount can be registered any time in the terminal 260 of the merchant's office, the user wireless terminal 100 can also be used any number of times at the user wireless terminal 100 It is possible to transmit the medium identification information including the unique information of the recognized franchise point medium 270. Accordingly, when the medium identification information is received from the program 130 of the user wireless terminal 100 at a specific time, the payment information registered within the past predetermined period of time through the terminal 260 of the merchant terminal is transmitted to the user wireless terminal 100 It may be in a given state. In this case, the operation server 200 preferably does not provide the payment information previously provided to the user wireless terminal 100 (i.e., if the same payment information is repeatedly provided, the user wireless terminal 100 transmits the payment information Which may interfere with the payment process. However, the present invention is not limited thereto, and the payment information previously provided to the specific user wireless terminal 100 may be provided again according to the method.

If there is at least one payment information registered through the merchant's terminal 260 within the past predetermined time based on the time when the medium identification information is received from the program 130 of the wireless terminal 100, The controller 200 reads the history information of the payment information and checks whether there is a history of providing the user wireless terminal 100 that has transmitted the medium identification information within a predetermined period of time specified by another wireless terminal. According to the method of the present invention, there can be a plurality of wireless terminals capable of recognizing the franchise point media 270 of a particular franchisee at a specific point in time, and any of the wireless terminals can recognize the franchise point media 270 And may transmit the medium identification information to the operation server 200. For example, a plurality of customers visiting a merchant can request reverse payment using their wireless terminals at the same time (or at the same time). Therefore, even if there is one or more payment information registered within a predetermined period of time through the merchant terminal 260 at the time point when the medium recognition information is received from the program 130 of the specific user wireless terminal 100 at a specific time, It may be already provided with another wireless terminal. In this case, it is preferable that the operating server 200 does not provide the payment information previously provided to the other wireless terminal to the specific user wireless terminal 100 (that is, when providing billing information to be provided to another user wireless terminal in duplicate) The same payment information can be double-paid through a plurality of user wireless terminals). In order to prevent such a double settlement, the merchant's stock (or employee) can be controlled so that the reverse payment is sequentially performed. After the payment information registered through the merchant's terminal 260 is provided to the authorized user wireless terminal 100 (For example, even before reverse payment is completed in the user wireless terminal 100 provided with payment information), new payment information may be registered through the mobile terminal 260 of the merchant to provide payment information to another wireless terminal have.

Meanwhile, according to the second payment information providing embodiment of the present invention, the payment information registered from the merchant's terminal 260 is provided on the basis of the time point at which the medium recognition information is received by the program 130 of the user wireless terminal 100 And transmits the identification information transmitted from the user wireless terminal 100 to the wireless terminal 100 including the recognition time information for recognizing the merchant's point media 270 or the transmission time information for transmitting the medium identification information The operation server 200 may determine and provide the payment information to be provided to the user wireless terminal 100 based on the recognition time information (or transmission time information) included in the medium identification information.

According to the second payment information providing embodiment, the operation server 200 checks the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100 , After confirming the time information in which the unique information and the registered payment information are registered through the merchant terminal 260 of the merchant terminal, and then, based on the recognition time information (or transmission time information) included in the medium recognition information, (For example, 2 minutes, 1 minute, 30 seconds, 1 minute, 30 seconds, 10 seconds, etc.) through the terminal 260 of the merchant's terminal. If the payment information registered through the merchant terminal 260 is not confirmed within the past predetermined time based on the recognition time information (or transmission time information) included in the medium identification information, the operation server 200 determines The mobile terminal 200 waits for the registration of the payment information from the terminal 260 of the merchant for a predetermined period of time (= a specified timeout), and transmits the payment information to the merchant terminal 260 using the unique information of the merchant store 270 You may be asked to register. If there is one payment information registered within a predetermined period of time based on the recognition time information (or transmission time information), or if the terminal 260 of the merchant is notified within a predetermined time based on the recognition time information (or transmission time information) , The operating server 200 may provide the confirmed / registered payment information to the program 130 of the wireless terminal 100. In this case,

On the other hand, based on the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100, two or more payments (130) of the wireless terminal (100) after receiving the medium identification information in the presence of at least one payment information registered in the terminal (260) When the new payment information is registered in real time through the terminal 260 of the merchant before the payment information is provided and two or more registered payment information exists, the operation server 200 registers the two or more pieces of registered payment information And transmits the payment information most recently registered among the registered two or more payment information to the program 130 of the wireless terminal 100 Determined by the information, it is possible to provide a program 130 of the radio terminal 100, the determined payment information.

On the other hand, based on the recognition time information (or transmission time information) included in the medium identification information received from the program 130 of the wireless terminal 100, one or more payments If there is information, the operation server 200 reads the history information of the payment information and checks whether there is a history provided within the past predetermined time period to the user wireless terminal 100 that transmitted the medium identification information. According to the embodiment of the present invention, as the payment information including the payment amount can be registered any time in the terminal 260 of the merchant's office, the user wireless terminal 100 can also be used any number of times at the user wireless terminal 100 It is possible to transmit the medium identification information including the unique information of the recognized franchise point medium 270. Therefore, it is possible to receive the recognition time information (or the transmission time information) included in the medium recognition information received from the program 130 of the user wireless terminal 100 at a specific time point through the terminal 260 of the affiliate shop Payment information may be provided to the user wireless terminal 100 in advance. In this case, the operation server 200 preferably does not provide the payment information previously provided to the user wireless terminal 100 (i.e., if the same payment information is repeatedly provided, the user wireless terminal 100 transmits the payment information Which may interfere with the payment process. However, the present invention is not limited thereto, and the payment information previously provided to the specific user wireless terminal 100 may be provided again according to the method.

On the other hand, based on the recognition time information (or transmission time information) included in the medium identification information received from the program 130 of the wireless terminal 100, one or more payments If there is information, the operation server 200 reads the history information of the payment information, and the history of providing the user wireless terminal 100 that has transmitted the medium identification information to another wireless terminal within a predetermined period of time Check if it exists. According to the method of the present invention, there can be a plurality of wireless terminals capable of recognizing the franchise point media 270 of a particular franchisee at a specific point in time, and any of the wireless terminals can recognize the franchise point media 270 And may transmit the medium identification information to the operation server 200. For example, a plurality of customers visiting a merchant can request reverse payment using their wireless terminals at the same time (or at the same time). Accordingly, it is possible to register (or not register) within the past predetermined time through the terminal 260 of the affiliated shop based on the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the specific user wireless terminal 100 at a specific time The settlement information may be already provided to another wireless terminal. In this case, it is preferable that the operating server 200 does not provide the payment information previously provided to the other wireless terminal to the specific user wireless terminal 100 (that is, when providing billing information to be provided to another user wireless terminal in duplicate) The same payment information can be double-paid through a plurality of user wireless terminals). In order to prevent such a double settlement, the merchant's stock (or employee) can be controlled so that the reverse payment is sequentially performed. After the payment information registered through the merchant's terminal 260 is provided to the authorized user wireless terminal 100 (For example, even before reverse payment is completed in the user wireless terminal 100 provided with payment information), new payment information may be registered through the mobile terminal 260 of the merchant to provide payment information to another wireless terminal have.

The payment information receiving unit 160 receives the payment information provided according to the first or second payment information providing embodiment from the operation server 200 receiving the medium identification information, The payment information received through the payment information receiving unit 160 is displayed on the screen of the wireless terminal 100 so that the user can set the payment amount corresponding to the payment information displayed on the screen of the wireless terminal 100, It is determined whether or not it corresponds to the settlement amount to be paid. Once the payment information is received through the payment information receiving unit 160 and the received payment information is displayed through the payment information display unit 165, the user can use the wireless terminal 100 of his / The user can proceed with the settlement process for the settlement information, and can abandon the settlement of the settlement information according to the execution method. That is, it is determined that payment is not completed because the payment information is displayed on the user wireless terminal 100, and it is not ready to start payment through the user wireless terminal 100 since payment information is received in the user wireless terminal 100 It is finished.

Referring to FIG. 1, a program 130 of the wireless terminal 100 includes a payment procedure for performing a payment procedure for processing payment for the payment information using a payment means available in the wireless terminal 100, A settlement result confirming unit 175 for confirming the settlement result of the settlement procedure and a settlement result confirming unit 170 for receiving the settlement result to the operation server 200 providing the settlement information, (180).

The settlement information receiving unit 160 receives the settlement information for recognizing the merchant's media 270 from the program 130 of the user wireless terminal 100 and / The payment procedure performing unit 170 performs a payment procedure for processing payment for the payment information using the payment means available in the wireless terminal 100. [

According to an embodiment of the present invention, when there are a plurality of payment means available in the program 130 of the wireless terminal 100, the payment procedure performing unit 170 may include a payment means And may perform the payment procedure of the payment information by using the selected payment means. If the payment means available in the program 130 of the wireless terminal 100 is one, the procedure for selecting the payment means may be omitted, and thus the present invention is not limited thereto. According to an embodiment of the present invention, the settlement procedure execution unit 170 may perform the settlement procedure for the settlement information in conjunction with the designated settlement system 255, The settlement process for the settlement information can be performed through the settlement system 255 associated with the settlement system 200. Meanwhile, the program 130 of the wireless terminal 100 may transmit the payment means information of the user to the designated medium (for example, the issuer server that issued the payment means to the user, A security server associated with the server, etc.). In this case, the payment procedure for the payment information can be performed using the payment means registered in the designated medium.

Meanwhile, according to another embodiment of the present invention, the payment procedure execution unit 170 drives a payment application corresponding to the payment means for processing the payment information to process the payment information, (For example, sharing the payment information through the inter-process communication or providing the payment application received from the designated operation server 200 via the payment information receiving unit 160) (Processing to receive the same payment information as the information). The driven payment application performs a payment procedure for the payment information in cooperation with the designated payment system 255 or a payment system 255 associated with the operation server 200 via the operation server 200. [ The settlement process for the settlement information can be performed through the settlement process. Meanwhile, the payment application transmits payment means information of a user to a designated medium (for example, a issuer server issuing a payment means to a user or a security server associated with an issuer server, etc.) In this case, the payment procedure for the payment information can be performed using the payment means registered in the designated medium.

The payment result confirming unit 175 confirms the settlement result of the settlement procedure performed through the settlement procedure performing unit 170 (or the separately driven settlement app), and transmits the confirmed settlement result to the wireless terminal 100 Quot ;.

The settlement result providing unit 180 provides the settlement result confirmed by the settlement result confirming unit 175 to the operation server 200 so that the settlement of the settlement information is completed in the operation server 200 For example, payment approval, payment error, etc.). Meanwhile, the payment procedure performed through the payment procedure execution unit 170 is performed via the operation server 200. When the operation server 200 automatically recognizes the payment result of the payment procedure, The providing unit 180 may not provide the settlement result to the operation server 200, and thus the present invention is not limited thereto.

The operation server 200 confirms the terminal 260 of the merchant corresponding to the settlement result and provides the settlement result to the terminal 260 of the confirmed merchant so as to allow the merchant dealer (or employee) The terminal 100 can notify that the reverse payment has been completed (for example, payment approval, payment error, etc.).

FIG. 2 illustrates a configuration of an uplink payment system using a merchant's point media 270 according to an embodiment of the present invention.

More specifically, FIG. 2 shows a configuration of a system for providing reverse payment using a merchant's point media 270 provided at an offline merchant, and, if the person skilled in the art is familiar with the present invention, 2 may be referenced and / or modified to infer various implementations of the reverse billing system (e.g., some of the components may be omitted, or broken down, or combined), but the invention is not limited to all of the above- And the technical features thereof are not limited only by the method shown in FIG.

The system of the present invention comprises a user wireless terminal 100 shown in FIG. 1 used by a user, a terminal 260 of an affiliate shop used at an offline affiliate shop side that sells goods / services to the user offline, And an operation server 200 interlocked with the program 130 of the user terminal or performing a designated procedure for reverse payment in cooperation with the terminal 260 of the affiliate shop.

The user wireless terminal 100 is a collective term of a wireless communication device used by a user and preferably includes a wireless terminal 100 such as a cellular phone, a smart phone, or a tablet PC owned or possessed by a user, A program 130 having the illustrated functional configuration is installed and executed. Hereinafter, the description with the user wireless terminal 100 as the main body is regarded as being executed through the program 130 installed in the user wireless terminal 100, although there is no separate instruction.

The program 130 of the user wireless terminal 100 recognizes the franchise shop medium 270 provided at the offline franchise shop and recognizes the franchise shop medium 270 to communicate with the operating server 200 via a designated path can do. For example, the program 130 of the user wireless terminal 100 can communicate with the designated operation server 200 by using the franchise store 270 provided in the franchisee as a trigger. The process of communicating with the operating server 200 by the program 130 of the user wireless terminal 100 is not limited to the case of recognizing the franchisee media 270 provided at the franchisee, The user can communicate with the operation server 200 through a user operation.

The terminal 260 of the franchisee is a collective term of a wireless communication device used by a franchisee (or an employee), and is preferably operated by a franchisee or a wireless terminal such as a mobile phone, a smart phone, or a tablet PC carried by a franchisee .

According to the embodiment of the present invention, the terminal 260 of the merchant receives the payment amount, maps the payment information including the payment amount and the unique information of the merchant store 270 to the designated operation server 200 Can be run. Hereinafter, the description using the terminal 260 of the affiliated member as the main body is considered to be executed through the program installed in the terminal 260 of the affiliated member, even if there is no other instruction.

The franchise point medium 270 provided at the franchise shop is a generic name of a medium that is provided at the offline franchise point and recognized by the user wireless terminal 100 for reverse payment. Preferably, the franchise point media 270 stores a Bluetooth- (In particular, transmittable) chips. Preferably, the franchisee media 270 may include at least one of a card-shaped media produced in the form of a card, a portable medium carried by an affiliate shop principal (or employee), and a stationary media stationed at an affiliate shop. In the meantime, the franchise store 270 is not limited to one franchise store, and a plurality of franchise stores 270 may be simultaneously owned by one franchise store (for example, in the case of a gas station, a franchise store 270 ) Can be held).

According to an embodiment of the present invention, the chip of the franchisee media 270 transmits signal data including unique information corresponding to at least one of the first to third unique information embodiments of the present invention to a Bluetooth- And the signal data may further include a one-time code dynamically generated in the chip of the merchant's point media 270 according to the method of operation.

The operating server 200 collectively refers to a server side configuration for communicating with the user wireless terminal 100 or the terminal 260 of the merchant and performing one or more specified procedures for the reverse payment according to the present invention, 260 for managing the user wireless terminal 100 and mapping and registering the payment information including the payment amount from the terminal 260 of the franchisee to the unique information of the franchise shop 270; 100, and stores the unique information included in the medium recognition information and the payment information registered in the mapping information that has been recently mapped within a predetermined period of time among mapping registered registration information To the user wireless terminal (100). The operating server 200 of the present invention is a general term of a server side configuration for performing one or more server side procedures designated for reverse payment in accordance with the present invention, and is not limited to a physical server device. That is, the operating server 200 of the present invention may be implemented in a software manner in a server device (for example, an app server interworking with the program 130 of the user wireless terminal 100) 100, or at least one server capable of communicating with an affiliate terminal 260, or a combination of two or more servers, and is not specifically limited by a particular physical server.

Referring to FIG. 2, the operation server 200 checks (or registers) one or more pieces of information for reverse payment according to the present invention in cooperation with the user wireless terminal 100 or a terminal 260 of an affiliate shop, And an information storage unit 205 for storing the information in a storage medium.

The terminal 260 of the franchisee authenticates and authenticates the terminal 260 of the franchisee who installed the program at the time of initial operation (or membership registration or affiliation shop subscription) The information storage unit 205 receives the unique authentication information from the terminal 260 of the affiliate shop and / or receives unique authentication information to be given to the terminal 260 of the affiliate shop And stores the unique authentication information of the terminal 260 of the franchisee on the designated storage medium based on the result of the determination. Meanwhile, the information storage unit 205 can identify (or register) the unique identification information of the franchise terminal 260 according to the method, and store the identification information in a designated storage medium.

The terminal 260 of the franchisee performs a franchisee registration procedure, and the information storage unit 205 confirms (or registers) the franchisee information to be used for the reverse payment as a result of the franchisee registration procedure, Preferably, the merchant information is mapped to unique authentication information of the merchant terminal 260. In the case where the merchant information is included in the payment information registered in the operation server 200 at the merchant terminal 260, registration of the merchant information may be omitted, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, the information storage unit 205 stores the merchant-related information (e.g., name, address, telephone number, contact information, representative information, Number, etc.) may be registered and stored in a designated storage medium. Preferably, the merchant-related information may be mapped to unique authentication information (or merchant information) of the merchant terminal 260.

Meanwhile, when the franchisee's terminal 260 according to the present invention is purchased (or received) from the franchisee, the franchisee's terminal 260 performs a franchisee's media registration procedure, (Or registers) the unique information of the member store medium 270 provided in the member store as a result of the member store medium registration procedure, and stores it in the designated storage medium. Preferably, the unique information of the franchise point media 270 is mapped to unique authentication information (or franchise point information) of the franchisee terminal 260. Meanwhile, when registering the unique information of the franchise shop 270 at the time of registering the payment information at the franchise shop terminal 260, the unique information of the franchise shop 270 need not be registered in advance, It is not limited.

According to the method of the present invention, the franchise point media 270 may have a function of dynamically generating a disposable code. In this case, the information storage unit 205 stores medium authentication information (e.g., one or more seeds for dynamically generating a disposable code in the merchant's media 270) for authenticating the validity of the one- Value, a code generation algorithm for dynamically generating a one-off code in the merchant's media 270, and the like), and store it in the designated storage medium. On the other hand, when the one-off code generated dynamically in the merchant store medium 270 is authenticated through a separate code authentication server (not shown), the medium authentication information is dynamically generated in the merchant store 270 in cooperation with the code authentication server And a set of information for validating the validity of one disposable code. The media authentication information may be mapped with unique information of the franchisee media 270 or may be mapped to unique authentication information of the franchisee terminal 260 (or merchant information).

According to an embodiment of the present invention, the merchant terminal 260 can perform a procedure of registering a merchant's password (for example, a merchant PIN, etc.) for accessing an affiliated store or registering payment information, May store the password of the merchant registered through the terminal 260 of the merchant store in the designated storage medium. Preferably, the franchise-side password may be mapped to unique authentication information of the franchisee terminal 260. Meanwhile, according to another embodiment of the present invention, the merchant's password can be stored in a designated storage area of the merchant's terminal 260 and used in the internal authentication procedure of the merchant terminal 260. [

According to the method of the present invention, the franchisee terminal 260 may have a function of dynamically generating a disposable merchant-side authentication code (for example, one-time use code) for merchant connection or payment information registration, The information storage unit 205 stores the merchant-side authentication information (for example, the merchant's terminal 260 for dynamically generating the merchant-side authentication code) for authenticating the validity of the merchant-side authentication code dynamically generated in the terminal 260 of the merchant shop Or a code generation algorithm for dynamically generating an authentication code at the merchant's terminal 260 at the merchant's terminal 260, or the like), and store it in a designated storage medium. Meanwhile, when the merchant-side authentication code dynamically generated in the terminal 260 of the merchant is authenticated through a separate code authentication server (not shown), the merchant-side authentication information is transmitted to the terminal of the merchant 260) for authenticating the validity of the merchant-side authentication code dynamically generated by the merchant-side authentication code. The franchise-side authentication information may be mapped to unique authentication information of the franchisee terminal 260 and stored.

The program 130 of the user wireless terminal 100 may be downloaded from the user wireless terminal 100 (or the user wireless terminal 100) The program 130 of the user wireless terminal 100 registers the unique authentication information for authenticating the unique identification information of the user wireless terminal 100. The information storage unit 205 stores the unique authentication information from the program 130 of the user wireless terminal 100 (Or the program of the user wireless terminal 100) on the basis of the result of the determination of the authentication information to be received and / or the unique authentication information to be given to the user wireless terminal 100, (130)) in the designated storage medium. The unique authentication information is also stored in a designated storage area of the user wireless terminal 100 through the program 130 of the user wireless terminal 100. [ Meanwhile, the information storage unit 205 can identify (or register) the unique identification information of the franchise terminal 260 according to the method, and store the identification information in a designated storage medium.

According to an embodiment of the present invention, the program 130 of the user wireless terminal 100 includes a user-side password (for example, a password) for authenticating the media recognition for recognizing the merchant's media 270 of the merchant or the media- , A user PIN, etc.), and the information storage unit 205 stores the user-side password registered through the program 130 of the user wireless terminal 100 in a designated storage medium. Preferably, the user side password may be mapped and stored with unique authentication information of the user wireless terminal 100. Meanwhile, according to another embodiment of the present invention, the user side password may be stored in a designated storage area of the user wireless terminal 100 and used to authenticate the user in the program 130 of the user wireless terminal 100.

According to an embodiment of the present invention, the program 130 of the user wireless terminal 100 may be used as a disposable user authentication for authenticating the media recognition for recognizing the merchant's media 270 of the merchant or the media recognition- In this case, the information storage unit 205 may store the validity of the user side authentication code that is dynamically generated in the program 130 of the user wireless terminal 100 (E.g., at least one seed value of at least one seed value for dynamically generating a user side authentication code in the program 130 of the user wireless terminal 100), user authentication information for authenticating the user wireless terminal 100 A code generation algorithm for dynamically generating a user side authentication code in the program 130, or the like), and store the generated code in a designated storage medium. Meanwhile, when the user side authentication code dynamically generated in the program 130 of the user wireless terminal 100 is authenticated through a separate code authentication server (not shown), the user side authentication information is linked with the code authentication server And an information set for authenticating the validity of the user side authentication code dynamically generated in the program 130 of the user wireless terminal 100. [ The user authentication information may be mapped to unique authentication information of the user wireless terminal 100 and stored.

According to an embodiment of the present invention, the program 130 of the user wireless terminal 100 performs a procedure of registering the payment means of the user to be used in the payment procedure, and the information storage unit 205 stores the user wireless A procedure of registering the payment means information of the user registered through the program 130 of the terminal 100 in the specified payment means DB is performed. According to an embodiment of the present invention, the payment means DB may be provided in the issuing company server provided in the operation server 200 or issuing payment means to the user.

If the payment server DB is provided in the operation server 200, the information storage unit 205 registers the payment method information of the user through the program 130 of the user wireless terminal 100, The payment means information may be mapped (or relationally linked) to the unique authentication information of the user wireless terminal 100 and stored in the payment means DB.

Meanwhile, if the payment means DB is provided to the issuer server that has issued the payment means to the user, the information storage unit 205 stores the payment means information registered through the program 130 of the user wireless terminal 100 To the issuer server, stores the payment token in the payment means DB of the issuer server, generates an identification token for identifying the payment means of the user between the operation server 200 and the issuer server, (Or an identification token generated through the issuer server), and stores the identification token in the designated storage medium by mapping the unique identification information of the user wireless terminal 100 with the unique authentication information. In this case, the issuing librarian maps the payment means information of the user and the identification token and stores the information in the payment means DB so that the unique authentication information of the user wireless terminal 100 registered in the operation server 200, The payment means information registered in the payment means DB of the mobile terminal can be remotely mapped.

Meanwhile, according to another embodiment of the present invention, when the payment procedure information is transmitted from the program 130 of the user wireless terminal 100 to the operation server 200, The present invention is not limited thereto.

Referring to FIG. 2, the operation server 200 receives payment information including the payment amount from the terminal 260 of the merchant having the merchant store 270, and payment information And a payment information management unit 220 that manages at least one of time information, order information, and input information of the registered payment information. The merchant authentication unit 215 may authenticate the terminal 260 of the merchant who registers the payment information according to the method.

The terminal 260 of the merchant holding the merchant's point media 270 stores the payment information including the payment amount input through the merchant terminal 260 according to at least one embodiment of the first to seventh payment information registration embodiments of the present invention Information of the franchise shop 270 and unique information of the franchise shop 270 held at the franchise shop, the payment information registering unit 210 receives the payment information from the terminal 260 of the merchant shop, And the payment information, and registers them in a designated storage medium.

On the other hand, if the merchant's authentication code generated through the merchant's terminal 260 at a time point before the payment information is registered at the merchant's terminal 260 and / When the merchant's password is received, the merchant authentication unit 215 receives the merchant's authentication code and / or the merchant's password from the merchant terminal 260 and transmits the registered information through the information storage unit 205 The authenticity of the merchant-side authentication code and / or the merchant-site password can be authenticated.

If the payment information including the payment amount entered through the merchant terminal 260 through the payment information registration unit 210 is mapped and registered with the unique information of the merchant's point of sale 270, The payment information registration unit 210 manages the time information on which the payment information is registered and / or manages the time information on which the payment information is registered, and / or the payment information is provided to at least one user- And manages history information.

Referring to FIG. 2, the operation server 200 receives media recognition information including unique information of the merchant's point media 270 from the program 130 of the user wireless terminal 100 that recognized the merchant's media 270 And a media recognition information receiving unit (225) for receiving the media identification information, and when the received media identification information includes authentication information other than the unique information, (230).

The program 130 of the user wireless terminal 100 recognizing the franchise point media 270 stores the unique information of the franchise point media 270 in accordance with at least one of the first to ninth media identification information embodiments of the present invention The medium identification information receiving unit 225 receives the medium identification information from the program 130 of the wireless terminal 100 and transmits the medium identification information in accordance with the method of implementation The standard time information at the time of reception can be confirmed.

If the unique identification information is included in the medium identification information received by the medium identification information receiving unit 225 and the wireless terminal 100 installed the program 130 through the information storage unit 205, When the unique authentication information for authentication is registered, the medium recognition authenticating unit 230 can authenticate the validity of the unique authentication information included in the medium identification information using the registered unique authentication information.

Or if the unique identification information is included in the medium identification information received through the medium identification information receiving unit 225 and the unique identification information of the wireless terminal 100 is registered through the information storage unit 205, The recognition authentication unit 230 can authenticate the validity of the unique identification information included in the medium identification information using the registered unique identification information.

Or the disposable code generated by the chip of the merchant's point media 270 is included in the medium identification information received through the medium identification information receiving unit 225 and the chip of the merchant's point of sale When the medium authentication information for authenticating the one-time code generated by the medium authentication unit 230 is registered, the medium recognition authentication unit 230 generates the one- The verification code may be generated using the code generation algorithm and the seed value, and the validity of the one-time code included in the medium identification information may be verified using the generated verification code.

Or the media recognition information received through the media recognition information receiving unit 225 includes the location information of the wireless terminal 100 and the address of the merchant having the merchant store 270 via the information storage unit 205 When the information (or the positional information) is registered, the medium recognition authentication unit 230 uses the address information (or the positional information) of the franchisee to calculate the positional information of the wireless terminal 100 Validity can be verified. In the present invention, the authentication of the location information is an auxiliary authentication means. For example, if the merchant is a delivery company, the location at which the merchant store 270 of the merchant is recognized by the user wireless terminal 100 may be the current location of the user (e.g., home, office, etc.) In this case, the location information of the wireless terminal 100 and the address information (or location information) of the merchant may not match.

Or the medium identification information received through the medium identification information receiving unit 225 includes the user side authentication code dynamically generated through the wireless terminal 100 (or the program 130) and the information storage unit 205 If the user authentication information for authenticating the user authentication code is registered through the user authentication unit 230, the medium authentication unit 230 determines whether the user authentication information is authenticated through the wireless terminal 100 (or the program 130) A verification code is generated using the code generation algorithm and the seed value used for generating the user side authentication code, and the validity of the user side authentication code included in the medium recognition information can be authenticated using the generated verification code have.

Or a user side password input through the program 130 of the wireless terminal 100 to the medium identification information received through the medium identification information receiving unit 225 and transmits the user side password through the information storage unit 205 to the user side When the password is registered, the medium recognition authentication unit 230 can authenticate the validity of the user side password included in the medium identification information using the registered user side password.

The media recognition information receiving unit 225 receives media recognition information including unique information of the franchisee media 270 and / or receives various types of information included in the medium recognition information through the medium recognition authentication unit 230 When the validity of the information is authenticated, the operation server 200 receives the unique information and the registered payment information through the terminal 260 of the merchant store having the merchant store 270, And transmit the payment information to the program 130 of the user wireless terminal 100.

Referring to FIG. 2, the operation server 200 transmits unique information included in the medium identification information received from the program 130 of the user wireless terminal 100 among the payment information registered from the merchant terminal 260 A payment information checking unit 235 for checking the payment information currently mapped and registered in a predetermined period of time and mapping the payment information to the program 130 of the user wireless terminal 100, (240).

When the medium identification information is received from the program 130 of the user wireless terminal 100 through the medium identification information receiving unit 225, the payment information confirmation unit 235 identifies the payment information registered from the merchant terminal 260 The payment information to be provided to the program 130 of the user wireless terminal 100 by the payment information which is mapped with unique information included in the medium identification information and recently mapped and registered within a predetermined time.

According to the first payment information providing embodiment of the present invention, the payment information verifying unit 235 confirms the time at which the medium identification information was received from the program 130 of the wireless terminal 100, (For example, 2 minutes, 1 minute, 30 seconds, 1 minute) based on the time of receiving the medium identification information after confirming the time information in which the unique information and the registered payment information are registered through the time information acquisition unit 260 , 30 seconds, 10 seconds, etc.) through the terminal 260 of the merchant's terminal. If the payment information registered through the merchant terminal 260 is not confirmed within the past predetermined time at the time of receiving the medium identification information, the payment information confirmation unit 235 determines ), It is possible to wait for the registration of the payment information from the terminal 260 of the franchisee and to request the terminal 260 of the franchisee to register the payment information using the unique information of the franchise store 270 according to the method. If one payment information registered in a past time is present or one payment information is registered through the merchant's terminal 260 within a predetermined time based on the time when the medium recognition information is received, The confirmation unit 235 can confirm the confirmed / registered payment information with payment information to be provided to the program 130 of the wireless terminal 100. [

On the other hand, if there are two or more pieces of payment information registered through the merchant terminal 260 within the past predetermined time based on the time when the medium recognition information is received from the program 130 of the wireless terminal 100, Before receiving the payment information to the program 130 of the wireless terminal 100 after receiving the medium identification information in a state where at least one payment information registered through the merchant terminal 260 exists, When the new payment information is registered in real time through the terminal 260 and more than one registered payment information exists, the payment information checking unit 235 reads out the registered order information of the registered two or more payment information, The payment information to be provided to the program 130 of the wireless terminal 100 can be confirmed as the payment information most recently registered among the two or more payment information .

Meanwhile, when there is at least one payment information registered through the merchant terminal 260 within the past predetermined time based on the time when the medium recognition information is received from the program 130 of the wireless terminal 100, The confirmation unit 235 reads out the history information of the payment information and confirms whether there is a history provided within the past predetermined time period designated by the user wireless terminal 100 that transmitted the medium identification information. According to the embodiment of the present invention, as the payment information including the payment amount can be registered any time in the terminal 260 of the merchant's office, the user wireless terminal 100 can also be used any number of times at the user wireless terminal 100 It is possible to transmit the medium identification information including the unique information of the recognized franchise point medium 270. Accordingly, when the medium identification information is received from the program 130 of the user wireless terminal 100 at a specific time, the payment information registered within the past predetermined period of time through the terminal 260 of the merchant terminal is transmitted to the user wireless terminal 100 It may be in a given state. In this case, the payment information confirmation unit 235 preferably does not provide the payment information previously provided to the user wireless terminal 100 (that is, when the user repeatedly provides the same payment information, It may interfere with proceeding the payment process for information). The settlement information verifying unit 235 may check the settlement information provided to the user wireless terminal 100 as payment information to be provided to the program 130 of the user wireless terminal 100. [ However, the present invention is not limited thereto, and the payment information previously provided to the specific user wireless terminal 100 may be provided again according to the method.

Meanwhile, when there is at least one payment information registered through the merchant terminal 260 within the past predetermined time based on the time when the medium recognition information is received from the program 130 of the wireless terminal 100, The confirmation unit 235 reads out the history information of the payment information and confirms whether there is a history of providing the user wireless terminal 100 that has transmitted the medium identification information within a predetermined period of time specified by another wireless terminal. According to the method of the present invention, there can be a plurality of wireless terminals capable of recognizing the franchise point media 270 of a particular franchisee at a specific point in time, and any of the wireless terminals can recognize the franchise point media 270 And may transmit the medium identification information to the operation server 200. For example, a plurality of customers visiting a merchant can request reverse payment using their wireless terminals at the same time (or at the same time). Therefore, even if there is one or more payment information registered within a predetermined period of time through the merchant terminal 260 at the time point when the medium recognition information is received from the program 130 of the specific user wireless terminal 100 at a specific time, It may be already provided with another wireless terminal. In this case, the payment information confirmation unit 235 preferably does not provide the payment information previously provided to the other wireless terminals to the specific user wireless terminal 100 (that is, The same payment information can be settled through a plurality of user wireless terminals). The settlement information verifying unit 235 may check the settlement information having no history provided to the other wireless terminals by the settlement information to be provided to the program 130 of the user wireless terminal 100. [

Meanwhile, according to the second payment information providing embodiment of the present invention, the payment information registered from the merchant's terminal 260 is provided on the basis of the time point at which the medium recognition information is received by the program 130 of the user wireless terminal 100 And transmits the identification information transmitted from the user wireless terminal 100 to the wireless terminal 100 including the recognition time information for recognizing the merchant's point media 270 or the transmission time information for transmitting the medium identification information The payment information confirmation unit 235 can confirm payment information to be provided to the user wireless terminal 100 based on the recognition time information (or transmission time information) included in the medium identification information.

According to the second payment information providing method, the payment information verifying unit 235 obtains recognition time information (or transmission time information) included in the medium identification information received from the program 130 of the wireless terminal 100 And confirms the time information in which the unique information and the registered billing information are registered through the merchant's terminal 260. Then, based on the recognition time information (or transmission time information) included in the medium recognition information, And confirms the registered payment information through the terminal 260 of the merchant within a predetermined time (for example, 2 minutes, 1 minute, 30 seconds, 1 minute, 30 seconds, 10 seconds, etc.). If the payment information registered and mapped through the merchant's terminal 260 is not confirmed within the past predetermined time based on the recognition time information (or transmission time information) included in the medium identification information, The mobile terminal 260 waits for the registration of the payment information from the terminal 260 of the merchant for a specified period of time (= a specified timeout), and transmits the payment information to the terminal 260 of the merchant using the unique information of the merchant store medium 270 You may be asked to register your information. If there is one payment information registered within a predetermined period of time based on the recognition time information (or transmission time information), or if the terminal 260 of the merchant is notified within a predetermined time based on the recognition time information (or transmission time information) The payment information confirmation unit 235 can confirm the payment information to be provided to the program 130 of the wireless terminal 100 by using the confirmed / registered payment information.

On the other hand, based on the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100, two or more payments (130) of the wireless terminal (100) after receiving the medium identification information in the presence of at least one payment information registered in the terminal (260) When new payment information is registered in real time through the merchant's terminal 260 before payment information is provided and more than one registered payment information exists, the payment information checking unit 235 checks whether the registered two or more pieces of payment information Reads the registered order information, and transmits the most recently registered payment information among the two or more registered payment information to the program 130 of the wireless terminal 100 You can check with your billing information.

On the other hand, based on the recognition time information (or transmission time information) included in the medium identification information received from the program 130 of the wireless terminal 100, one or more payments The payment information confirmation unit 235 reads the history information of the payment information and determines whether there is a history provided within the past predetermined time period designated by the user wireless terminal 100 that has transmitted the medium identification information do. According to the embodiment of the present invention, as the payment information including the payment amount can be registered any time in the terminal 260 of the merchant's office, the user wireless terminal 100 can also be used any number of times at the user wireless terminal 100 It is possible to transmit the medium identification information including the unique information of the recognized franchise point medium 270. Therefore, it is possible to receive the recognition time information (or the transmission time information) included in the medium recognition information received from the program 130 of the user wireless terminal 100 at a specific time point through the terminal 260 of the affiliate shop Payment information may be provided to the user wireless terminal 100 in advance. In this case, the payment information confirmation unit 235 preferably does not provide the payment information previously provided to the user wireless terminal 100 (that is, when the user repeatedly provides the same payment information, It may interfere with proceeding the payment process for information). The settlement information verifying unit 235 may check the settlement information provided to the user wireless terminal 100 as payment information to be provided to the program 130 of the user wireless terminal 100. [ However, the present invention is not limited thereto, and the payment information previously provided to the specific user wireless terminal 100 may be provided again according to the method.

On the other hand, based on the recognition time information (or transmission time information) included in the medium identification information received from the program 130 of the wireless terminal 100, one or more payments If the information exists, the payment information checking unit 235 reads the history information of the payment information and provides the user wireless terminal 100 that has transmitted the medium identification information to the other wireless terminals within a predetermined period of time Check if history exists. According to the method of the present invention, there can be a plurality of wireless terminals capable of recognizing the franchise point media 270 of a particular franchisee at a specific point in time, and any of the wireless terminals can recognize the franchise point media 270 And may transmit the medium identification information to the operation server 200. For example, a plurality of customers visiting a merchant can request reverse payment using their wireless terminals at the same time (or at the same time). Accordingly, it is possible to register (or not register) within the past predetermined time through the terminal 260 of the affiliated shop based on the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the specific user wireless terminal 100 at a specific time The settlement information may be already provided to another wireless terminal. In this case, the payment information confirmation unit 235 preferably does not provide the payment information previously provided to the other wireless terminals to the specific user wireless terminal 100 (that is, The same payment information can be settled through a plurality of user wireless terminals). The settlement information verifying unit 235 may check the settlement information having no history provided to the other wireless terminals by the settlement information to be provided to the program 130 of the user wireless terminal 100. [

The payment information providing unit 240 provides the payment information confirmed by the payment information checking unit 235 to the program 130 of the user wireless terminal 100. [ The user wireless terminal 100 can receive the payment information and display it on the screen of the wireless terminal 100. The user wireless terminal 100 can use the payment means available in the wireless terminal 100 to perform a payment procedure for the payment information .

2, the operation server 200 includes a settlement processing unit 245 for processing a server-side settlement procedure of a settlement procedure for the settlement information in cooperation with the user wireless terminal 100 provided with the settlement information, And a settlement result processing unit 250 for confirming the settlement result of the settlement procedure and providing the settlement result to the merchant terminal 260.

When the user wireless terminal 100 provided with the payment information performs the payment procedure for the payment information in cooperation with the operation server 200, the payment procedure processing unit 245 transmits the payment information to the user wireless terminal 100, And can process the server-side settlement procedure for the settlement procedure by interlocking with the specified settlement system 255. Meanwhile, when the user wireless terminal 100 processes the payment procedure for the payment information through the separate payment system 255, the payment procedure processing unit 245 may be omitted, and the present invention is not limited thereto .

The settlement result processing unit 250 may check the settlement result of the settlement procedure of the settlement information in cooperation with the settlement processing unit 245 and / or determine the program of the user wireless terminal 100 130 to confirm the settlement result for the settlement procedure. The payment result processing unit 250 provides the confirmed payment result to the merchant's terminal 260 to confirm the payment result of the payment procedure performed through the user wireless terminal 100 through the merchant's terminal 260 . Meanwhile, if the settlement procedure is processed through the settlement processing unit 245 and the settlement result of the settlement procedure is not provided to the user wireless terminal 100, the settlement result processing unit 250 transmits the settlement result to the user wireless terminal 100 The program 130 of FIG.

3 is a diagram illustrating a registration process of the user wireless terminal 100 according to an embodiment of the present invention.

3 shows an example of the information registration process of the user wireless terminal 100 for the reverse payment. Referring to FIG. 3 and FIG. 3, if the user is a person skilled in the art, The present invention is not limited to the above-described embodiments, and various modifications and changes may be made without departing from the scope of the present invention. The technical characteristics are not limited only by the method shown in FIG.

Referring to FIG. 3, the program 130 of the user wireless terminal 100 uniquely identifies the wireless terminal 100 that installed the program 130 to the designated operation server 200, The operation server 200 requests the registration of the unique authentication information for authenticating the program 130 of the user wireless terminal 100 to the user wireless terminal 100 ), Identifies unique authentication information for authenticating the program 130 of the user wireless terminal 100 (step 305), and stores the authenticated authentication information generated or verified in the designated storage medium (310).

The program 130 of the user wireless terminal 100 is used to authenticate the user authentication code to be dynamically generated through the user wireless terminal 100 (or the program 130) The operation server 200 requests registration of information (315), and the operation server 200 checks or generates the user side authentication information for authenticating the user side authentication code in cooperation with the program 130 of the user wireless terminal 100 The unique authentication information and the user authentication information may be mapped and stored in a designated storage medium (320). Meanwhile, the program 130 of the user wireless terminal 100 requests the operation server 200 to register the user's password to be inputted through the program 130 of the user wireless terminal 100 (315) The operation server 200 may register the user side password in cooperation with the program 130 of the user wireless terminal 100 and may store the unique authentication information and the user side password in a designated storage medium 320, .

The program 130 of the user wireless terminal 100 requests the designated operating server 200 to register the user payment means used for payment using the program 130 of the user wireless terminal 100 in step 325, The operation server 200 performs a procedure of storing the payment means information of the user in the designated payment means DB in conjunction with the program 130 of the user wireless terminal 100, (Or remotely maps) the payment means information and the unique authentication information (335).

FIG. 4 is a diagram illustrating a registration process of the merchant terminal 260 according to an embodiment of the present invention.

4 illustrates an example of an information registration process of the merchant terminal 260 for reverse payment. As shown in FIG. 4 and FIG. 4, if a person skilled in the art is familiar with the present invention, Or variations may be made to various embodiments of the registration process (e.g., some steps may be omitted or procedures may be altered in order), but the present invention encompasses all of the above- The technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 4, the franchisee terminal 260 uniquely identifies the franchisee terminal 260 that installed the program designated by the designated operation server 200, and at the same time authenticates the program installed in the franchisee terminal 260 The operation server 200 requests the franchise terminal 260 to register the unique authentication information to the franchisee terminal 260 in cooperation with the terminal 260 of the franchisee, After confirming or generating the unique authentication information for authenticating the executed program (405), the unique authentication information is stored in the designated storage medium (410).

The franchisee terminal 260 requests the registered operation server 200 to register the franchise-side authentication information for authenticating the franchise-side authentication code to be dynamically generated through the franchisee terminal 260 (step 415) 200 may confirm or generate the merchant-side authentication information for authenticating the merchant-side authentication code in cooperation with the merchant terminal 260, and may store the unique authentication information and the merchant-store authentication information in a designated storage medium (420). Meanwhile, the franchisee terminal 260 requests the operation server 200 to register the franchise password to be input through the franchisee terminal 260 (step 415), and the operation server 200 requests the franchisee terminal 260 The password of the merchant is registered in association with the app of the merchant, and the unique authentication information and the password of the merchant are mapped and stored in the designated storage medium (420).

The merchant terminal 260 requests the specified operating server 200 to register merchant information to be used for settlement of the merchant shop 425 and the operating server 200 transmits the merchant information The unique authentication information may be mapped to the merchant information and stored in a designated storage medium (430). The franchisee terminal 260 may request the franchisee terminal 260 to register the franchisee-related information with respect to the franchisee in step 425 and the operation server 200 may interwork with the franchisee terminal 260 The merchant-related information is registered, and the unique authentication information and the merchant-related information are mapped and stored in a designated storage medium (430).

The franchisee terminal 260 requests registration of the unique information of the franchisee media 270 provided at the franchisee and then transmits the registration request to the operation server 200 (440) registers the unique information of the franchisee media (270) in association with the franchisee terminal (260) and maps the unique authentication information and the unique information of the franchisee store (270) to the specified storage medium. On the other hand, when the one-off code is dynamically generated through the franchise store medium 270 of the franchisee, the franchisee terminal 260 transmits the one-off code to the operation server 200 The operation server 200 requests the registration of the medium authentication information and the operation server 200 checks the medium authentication information for authenticating the one-time code to be generated through the merchant's point media 270 in cooperation with the merchant terminal 260 And maps the unique authentication information to the medium authentication information and stores the mapped authentication information in a designated storage medium (440).

FIG. 5 is a flowchart illustrating a payment information registration process according to an embodiment of the present invention.

More specifically, FIG. 5 illustrates a process of mapping the payment information including the payment amount and the unique information of the franchise shop 270 in the terminal 260 of the franchisee to the operation server 200, and FIG. Those skilled in the art will be able to refer to and / or modify the FIG. 5 to infer the various methods of carrying out the payment information registration process (e.g., omitting some steps or changing the order) However, the present invention is not limited to the technical features of the present invention.

Referring to FIG. 5, a terminal 260 of a merchant receives a payment amount to be reverse charged (500). If the payment amount is input, the merchant terminal 260 configures the payment information including the input payment amount according to at least one embodiment of the first to seventh payment information registration embodiments of the present invention The operation server 200 requests the registration of the payment information including the payment amount and the unique information of the member store medium 270 to the designated operation server 200 in operation 510, The payment information and the unique information of the member store medium 270 are mapped and registered in a designated storage medium (515). The operation server 200 manages time information and / or order information and / or history information of the mapping-registered payment information (520).

FIG. 6 is a diagram illustrating a process of recognizing a franchise store medium 270 according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates a case where the program 130 of the user wireless terminal 100 recognizes recognition information including unique information of the merchant's point media 270, forms the medium identification information including the unique information, The present invention is not limited to the above-described exemplary embodiments, and various changes and modifications may be made without departing from the spirit and scope of the present invention. (For example, an operation method in which some steps are omitted or the order is changed). However, the present invention includes all of the above-described embodiments, and the technical features Is not limited.

Referring to FIG. 6, the program 130 of the user wireless terminal 100 activates the Bluetooth unit 110 so as to recognize the Bluetooth-based wireless signal transmitted from the affiliated store medium 270 held at the offline merchant, (600). If the Bluetooth unit 110 is activated, the program 130 of the wireless terminal 100 includes the unique information of the corresponding merchant's point media 270 from the merchant's point media 270 through the Bluetooth unit 110 It is possible to recognize the recognition information.

The franchise shop 270 checks the unique information of the franchise shop 270 and constructs signal data including the unique information at step 610 to generate a signal including the unique information of the franchise shop 270 The mobile wireless terminal 100 transmits the wireless signal including the data and the activated Bluetooth unit 110 of the user wireless terminal 100 receives the wireless signal including the unique information of the merchant medium 270 in operation 620. Meanwhile, the franchise point media 270 dynamically generates a disposable code (605), constructs (610) signal data including the unique information of the franchise point media (270) and the generated disposable code (610) And transmits the wireless signal including the generated unique disposable code and the signal data including the generated disposable code in step 615. The activated Bluetooth unit 110 of the user wireless terminal 100 transmits the wireless signal including the generated unique disposable code, And the wireless signal including the unique information of the one-time code and the disposable code (620).

The program 130 of the user wireless terminal 100 reads the signal data corresponding to the radio signal received through the activated Bluetooth unit 110 and transmits the identification information including the unique information of the member store medium 270 (625). Meanwhile, the program 130 of the user wireless terminal 100 may recognize the identification information including the unique information of the franchisee's media 270 and the disposable code generated by the franchisee's media 270 625).

According to an embodiment of the present invention, the program 130 of the user wireless terminal 100 may authenticate the validity of the recognized recognition information (630). Preferably, the program 130 of the user wireless terminal 100 may read the unique information included in the recognized recognition information to authenticate the unique information of the affiliate store 270 (630) If the one-time use code generated by the merchant's point media 270 is included, the validity of the one-time use code can be authenticated (630).

If the validity of the recognition information is not authenticated, the program 130 of the user wireless terminal 100 outputs the recognition error information of the merchant's media 270 (operation 645).

Meanwhile, if the recognition information including the unique information of the franchise point media 270 is recognized (625) and / or the validity of the recognition information is authenticated (630), the user wireless terminal (100) The media recognition information including the unique information of the franchise point media 270 is configured according to at least one of the first to ninth media identification information embodiments (635). The program 130 of the user wireless terminal 100 transmits the medium identification information to the designated operation server 200 in operation 640. If the medium identification information includes the unique information of the franchisee media 270, , The operation server 200 receives the medium identification information.

FIG. 7 is a diagram illustrating a reverse payment process according to an embodiment of the present invention.

More specifically, FIG. 7 provides payment information registered at a merchant store having the merchant store 270 in the operating server 200 to the program 130 of the user wireless terminal 100 that has recognized the merchant store 270, 7 is a flowchart illustrating a process of processing payment information for the payment information in a reverse direction through the program 130 of the user wireless terminal 100. As a person skilled in the art, It will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined by the appended claims and their equivalents. And the technical characteristics thereof are not limited only by the method shown in FIG.

Referring to FIG. 7, when the program 130 of the user wireless terminal 100 recognizes the merchant media 270 through the process shown in FIG. 6 and transmits the medium identification information including the unique information, The operation server 200 receives the medium identification information including the unique information of the franchisee media 270 from the program 130 of the user wireless terminal 100 (700).

According to an embodiment of the present invention, the operation server 200 can authenticate the validity of the received medium identification information (705). Preferably, the operation server 200 may authenticate the validity of various configuration information included in the medium identification information.

If the validity of the medium identification information is not authenticated, the operation server 200 provides a media recognition error to the program 130 of the user wireless terminal 100 (755), and the user wireless terminal 100 A media recognition error may be received and output (760).

Meanwhile, when the media recognition information is received from the program 130 of the user wireless terminal 100 and / or the validity of the media recognition information is authenticated, the operation server 200 may perform the process shown in FIG. 5 To the program 130 of the user wireless terminal 100, the payment information that is mapped with the unique information included in the medium identification information and registered in a predetermined period of time from the payment information registered through the merchant terminal 260 And confirms with the payment information to be provided (710).

According to the first embodiment of the payment information providing method of the present invention, the operation server 200 confirms the time at which the media recognition information is received from the program 130 of the wireless terminal 100, (For example, 2 minutes, 1 minute, 30 seconds, 1 minute, 30 minutes) on the basis of the time of receiving the medium recognition information after confirming the time information in which the unique information and mapping information registered with the unique information are registered Seconds, 10 seconds, etc.) through the terminal 260 of the merchant's terminal. If the payment information registered as a mapping through the terminal 260 of the merchant is not confirmed within the past predetermined period of time at the time of receiving the medium identification information, the operation server 200 determines that the merchant The mobile terminal 260 may wait for the payment information to be mapped and registered in the mobile terminal 260 and request the merchant terminal 260 to register the payment information using the unique information of the merchant's point of sale 270 according to the method. If one settlement information registered in a past time is present or one settlement information is registered through a terminal 260 of a merchant within a predetermined time based on the time when the medium recognition information is received, The mobile terminal 200 can confirm the payment information to be provided to the program 130 of the wireless terminal 100 (710).

On the other hand, if there are two or more pieces of payment information registered through the merchant terminal 260 within the past predetermined time based on the time when the medium recognition information is received from the program 130 of the wireless terminal 100, Before receiving the payment information to the program 130 of the wireless terminal 100 after receiving the medium identification information in a state where at least one payment information registered through the merchant terminal 260 exists, When the new payment information is registered in real time through the terminal 260 and more than one registered payment information exists, the operation server 200 reads the order information of the registered two or more payment information, The most recently registered payment information among the above payment information can be confirmed as payment information to be provided to the program 130 of the wireless terminal 100 (710).

If there is at least one payment information registered through the merchant's terminal 260 within the past predetermined time based on the time when the medium identification information is received from the program 130 of the wireless terminal 100, The control unit 200 reads the history information of the payment information and determines whether there is a history provided within the past predetermined time period designated by the user wireless terminal 100 that transmitted the medium identification information. According to the embodiment of the present invention, as the payment information including the payment amount can be registered any time in the terminal 260 of the merchant's office, the user wireless terminal 100 can also be used any number of times at the user wireless terminal 100 It is possible to transmit the medium identification information including the unique information of the recognized franchise point medium 270. Accordingly, when the medium identification information is received from the program 130 of the user wireless terminal 100 at a specific time, the payment information registered within the past predetermined period of time through the terminal 260 of the merchant terminal is transmitted to the user wireless terminal 100 It may be in a given state. In this case, the operation server 200 preferably does not provide the payment information previously provided to the user wireless terminal 100 (i.e., if the same payment information is repeatedly provided, the user wireless terminal 100 transmits the payment information Which may interfere with the payment process. Preferably, the operation server 200 can check payment history information provided to the user wireless terminal 100 as payment information to be provided to the program 130 of the user wireless terminal 100 (step 710). However, the present invention is not limited thereto, and the payment information previously provided to the specific user wireless terminal 100 may be provided again according to the method.

If there is at least one payment information registered through the merchant's terminal 260 within the past predetermined time based on the time when the medium identification information is received from the program 130 of the wireless terminal 100, The controller 200 reads the history information of the payment information and checks whether there is a history of providing the user wireless terminal 100 that has transmitted the medium identification information within a predetermined period of time specified by another wireless terminal. According to the method of the present invention, there can be a plurality of wireless terminals capable of recognizing the franchise point media 270 of a particular franchisee at a specific point in time, and any of the wireless terminals can recognize the franchise point media 270 And may transmit the medium identification information to the operation server 200. For example, a plurality of customers visiting a merchant can request reverse payment using their wireless terminals at the same time (or at the same time). Therefore, even if there is one or more payment information registered within a predetermined period of time through the merchant terminal 260 at the time point when the medium recognition information is received from the program 130 of the specific user wireless terminal 100 at a specific time, It may be already provided with another wireless terminal. In this case, it is preferable that the operating server 200 does not provide the payment information previously provided to the other wireless terminal to the specific user wireless terminal 100 (that is, when providing billing information to be provided to another user wireless terminal in duplicate) The same payment information can be double-paid through a plurality of user wireless terminals). Preferably, the operation server 200 can check payment history information provided to another wireless terminal using payment information to be provided to the program 130 of the user wireless terminal 100 (710).

Meanwhile, according to the second payment information providing embodiment of the present invention, the payment information registered from the merchant's terminal 260 is provided on the basis of the time point at which the medium recognition information is received by the program 130 of the user wireless terminal 100 And transmits the identification information transmitted from the user wireless terminal 100 to the wireless terminal 100 including the recognition time information for recognizing the merchant's point media 270 or the transmission time information for transmitting the medium identification information The operation server 200 can check the payment information to be provided to the user wireless terminal 100 based on the recognition time information (or transmission time information) included in the medium identification information (operation 710).

According to the second payment information providing embodiment, the operation server 200 checks the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100 , After confirming the time information in which the unique information and the registered payment information are registered through the merchant terminal 260 of the merchant terminal, and then, based on the recognition time information (or transmission time information) included in the medium recognition information, (For example, 2 minutes, 1 minute, 30 seconds, 1 minute, 30 seconds, 10 seconds, etc.) through the terminal 260 of the merchant's terminal. If the payment information registered through the merchant terminal 260 is not confirmed within the past predetermined time based on the recognition time information (or transmission time information) included in the medium identification information, the operation server 200 determines The mobile terminal 200 waits for the registration of the payment information from the terminal 260 of the merchant for a predetermined period of time (= a specified timeout), and transmits the payment information to the merchant terminal 260 using the unique information of the merchant store 270 You may be asked to register. If there is one payment information registered within a predetermined period of time based on the recognition time information (or transmission time information), or if the terminal 260 of the merchant is notified within a predetermined time based on the recognition time information (or transmission time information) The operating server 200 can confirm the confirmed / registered payment information with the payment information to be provided to the program 130 of the wireless terminal 100 (710) .

On the other hand, based on the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the wireless terminal 100, two or more payments (130) of the wireless terminal (100) after receiving the medium identification information in the presence of at least one payment information registered in the terminal (260) When the new payment information is registered in real time through the terminal 260 of the merchant before the payment information is provided and two or more registered payment information exists, the operation server 200 registers the two or more pieces of registered payment information And transmits the payment information most recently registered among the registered two or more payment information to the program 130 of the wireless terminal 100 You can see the information (710).

On the other hand, based on the recognition time information (or transmission time information) included in the medium identification information received from the program 130 of the wireless terminal 100, one or more payments If there is information, the operation server 200 reads the history information of the payment information and checks whether there is a history provided within the past predetermined time period to the user wireless terminal 100 that transmitted the medium identification information. According to the embodiment of the present invention, as the payment information including the payment amount can be registered any time in the terminal 260 of the merchant's office, the user wireless terminal 100 can also be used any number of times at the user wireless terminal 100 It is possible to transmit the medium identification information including the unique information of the recognized franchise point medium 270. Therefore, it is possible to receive the recognition time information (or the transmission time information) included in the medium recognition information received from the program 130 of the user wireless terminal 100 at a specific time point through the terminal 260 of the affiliate shop Payment information may be provided to the user wireless terminal 100 in advance. In this case, the operation server 200 preferably does not provide the payment information previously provided to the user wireless terminal 100 (i.e., if the same payment information is repeatedly provided, the user wireless terminal 100 transmits the payment information Which may interfere with the payment process. Preferably, the operation server 200 can check payment history information provided to the user wireless terminal 100 as payment information to be provided to the program 130 of the user wireless terminal 100 (step 710). However, the present invention is not limited thereto, and the payment information previously provided to the specific user wireless terminal 100 may be provided again according to the method.

On the other hand, based on the recognition time information (or transmission time information) included in the medium identification information received from the program 130 of the wireless terminal 100, one or more payments If there is information, the operation server 200 reads the history information of the payment information, and the history of providing the user wireless terminal 100 that has transmitted the medium identification information to another wireless terminal within a predetermined period of time Check if it exists. According to the method of the present invention, there can be a plurality of wireless terminals capable of recognizing the franchise point media 270 of a particular franchisee at a specific point in time, and any of the wireless terminals can recognize the franchise point media 270 And may transmit the medium identification information to the operation server 200. For example, a plurality of customers visiting a merchant can request reverse payment using their wireless terminals at the same time (or at the same time). Accordingly, it is possible to register (or not register) within the past predetermined time through the terminal 260 of the affiliated shop based on the recognition time information (or transmission time information) included in the medium recognition information received from the program 130 of the specific user wireless terminal 100 at a specific time The settlement information may be already provided to another wireless terminal. In this case, it is preferable that the operating server 200 does not provide the payment information previously provided to the other wireless terminal to the specific user wireless terminal 100 (that is, when providing billing information to be provided to another user wireless terminal in duplicate) The same payment information can be double-paid through a plurality of user wireless terminals). Preferably, the operation server 200 can check payment history information provided to another wireless terminal using payment information to be provided to the program 130 of the user wireless terminal 100 (710).

If the payment information to be provided to the program 130 of the user wireless terminal 100 is confirmed through at least one process, the operation server 200 transmits the payment information to the program 130 of the user wireless terminal 100, The program 130 of the user wireless terminal 100 is provided with payment information and the program 130 of the user wireless terminal 100 is mapped with unique information included in the medium identification information from the operation server 200, (720), and displays the payment information on the screen of the wireless terminal 100 (725).

The program 130 of the user wireless terminal 100 performs the payment procedure of the payment information through the payment means available in the wireless terminal 100 and transmits the payment procedure to the operation server 200 A server side settlement procedure may be performed 730b or a program 130 of the user wireless terminal 100 may perform a settlement process in conjunction with a separately designated settlement system 255 in operation 730a.

If the payment procedure is completed, the program 130 of the user wireless terminal 100 confirms the payment result for the payment procedure (735) and transmits the payment result to the operation server 200 (740 ). The operation server 200 confirms the settlement result of the payment information (745). The payment result of the reverse payment processed through the user wireless terminal 100 is notified to the merchant terminal 260 by providing the payment result to the merchant's terminal 260 at step 750.

100: wireless terminal 110:
130: program 135: active processor
140: Merchant point medium recognition unit 145: Merchant point medium authentication unit
150: Medium recognition information configuring unit 155: Medium recognition information transmitting unit
160: payment information receiving unit 165: payment information display unit
170: a payment procedure performing unit 175: a payment result confirming unit
180: Payment Result Offering 200: Operation Server
205: information storage unit 210: payment information registration unit
215: merchant authentication unit 220: payment information management unit
225: medium recognition information receiving unit 230: medium recognition authentication unit
235: payment information confirmation unit 240: payment information provision service
245: payment processing processing unit 250: payment result processing unit
260: Merchant's terminal 270: Merchant's media

Claims (20)

A method for executing a program executed by a user installed in a user wireless terminal having a Bluetooth unit capable of transmitting and receiving a Bluetooth-based wireless signal,
A first step of activating or activating the Bluetooth unit so as to recognize a Bluetooth-based wireless signal transmitted from a merchant medium held at an offline merchant;
A second step of reading the signal data corresponding to the radio signal received from the franchisee media through the activated Bluetooth unit and recognizing recognition information including the unique information of the franchisee media;
And transmits the medium identification information including the unique information included in the identification information to a designated server, and transmits the identification information, which is recently mapped and registered in a predetermined time period among the unique information and the registered payment information through the terminal of the affiliated store, A third step of receiving information; And
And a fourth step of performing a payment procedure for processing payment for the payment information by using a payment means available in the wireless terminal.
The information processing apparatus according to claim 1,
And a unique code stored intrinsic to the merchant's media.
The information processing apparatus according to claim 1,
And a dynamic code generated in accordance with a code generation rule set to generate a code that does not overlap with a dynamic code generated in another merchant's medium in the merchant's media.
4. The method according to claim 3,
Wherein the franchisee's terminal recognizes unique information including a dynamic code unique to the franchisee's shop, and registers the unique information together with the recognized unique information.
The method according to claim 1,
A card-shaped medium manufactured in the form of a card,
Portable media carried by merchant partners (or employees)
And at least one medium of a stationary medium stationed at an affiliate shop.
2. The method according to claim 1,
And reading the unique information recognized by the franchisee media to authenticate whether it is a code system corresponding to the unique information of the franchisee's media.
The method according to claim 1,
Wherein the recognition information further includes a disposable code generated by the merchant medium,
Wherein the second step further comprises authenticating the validity of the one-time code included in the recognition information.
The method according to claim 1,
Wherein the recognition information further includes a disposable code generated by the merchant medium,
Wherein the medium identification information further includes a disposable code included in the identification information,
Wherein the one-time code is validated through the server.
The method according to claim 1,
And a payment amount input through the terminal of the merchant.
10. The method according to claim 9,
And further comprising merchant information for payment of the merchant having the merchant medium.
The method according to claim 1,
Wherein the payment information includes the most recently registered payment information registered within a predetermined period of time based on a time point at which the server received the medium identification information among the payment information mapped and registered with the unique information through the terminal of the merchant And transmitting the data to the Bluetooth terminal.
The method according to claim 1,
Wherein the payment information is registered within a predetermined period of time based on a time point at which the server received the medium identification information from among the payment information mapped and registered with the unique information through the terminal of the merchant and has no history provided to the user wireless terminal And the payment information is included in the payment information.
The method according to claim 1,
Wherein the payment information is registered within a predetermined period of time based on a time point at which the server received the medium identification information from among the payment information mapped and registered with the unique information through the terminal of the merchant, And the payment information having no history provided to the terminal.
The method according to claim 1,
Wherein the medium recognition information includes recognition time information in which the recognition information is recognized from the member store medium,
Wherein the payment information includes payment information registered most recently in a past predetermined time based on the recognition time information among the payment information registered and mapped with the unique information through the terminal of the merchant, .
The method according to claim 1,
Wherein the medium recognition information includes recognition time information in which the recognition information is recognized from the member store medium,
Wherein the payment information includes payment information that is registered within a predetermined period of time based on the recognition time information among the payment information registered and mapped and registered with the unique information through the terminal of the merchant and has no hysteresis provided to the user wireless terminal This is a reverse payment method using Bluetooth.
The method according to claim 1,
Wherein the medium recognition information includes recognition time information in which the recognition information is recognized from the member store medium,
Wherein the payment information is registered within a predetermined time in the past based on the recognition time information among the payment information registered and mapped with the unique information through the terminal of the merchant and has no hysteresis provided to any user terminal including the user wireless terminal And the payment information is included in the payment information.
2. The method according to claim 1,
And displaying the received payment information on the screen of the wireless terminal.
2. The method according to claim 1,
Further comprising the step of selecting a payment means for processing payment of the received payment information.
19. The method of claim 1 or 18,
Driving a payment application corresponding to a payment means for processing payment of the received payment information; And
And processing the received payment application so that the payment information is provided to the driven payment application.
The method according to claim 1,
When the settlement procedure is performed,
Further comprising the step of providing a payment result of the payment procedure to the server.

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