KR20180001658A - Method for Providing Asynchronous Reverse Direction Payment by using Radio Signal Device - Google Patents

Abstract

The present invention relates to an asynchronous reverse payment method using a wireless device, which comprises: a first step of receiving, by an operating server, transaction registration information including amount information from an affiliated store terminal, separately and uniquely identifying an affiliated store having a wireless device, and receiving a one time identification (OTID); a second step of generating, by the operating server, a one-time authentication code for authenticating validity of a specific transaction identified through the OTID; a third step of associating, by the operating server, the transaction registration information and the OTID with the authentication code to store the same; a fourth step of receiving, by the operating server, recognition information including the OTID and the authentication code; a fifth step of authenticating, by the operating server, validity of the confirmed transaction registration information through the authentication code; and a sixth step of providing, by the operating server, an operating application of a user wireless terminal with transaction information including transaction amount corresponding to the amount information of the transaction registration information when the transaction registration information is identified and authenticated. Accordingly, a specific transaction corresponding to the transaction registration information is automatically identified to be processed in a reverse payment through the user wireless terminal.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to an asynchronous reverse payment method using a wireless device,

When registering transaction registration information including amount information for reverse payment from a merchant terminal having a wireless device for transmitting a designated radio signal, it is possible to uniquely identify a merchant having the wireless device separately, (One Time IDentification) created through the merchant terminal to identify the unique transaction for at least a certain period of time, and generates a disposable authentication code for authenticating the validity of the transaction registration information Receiving the wireless signal transmitted from the wireless device at the merchant registering the transaction registration information, and receiving the identification information including the OTID from the operating app of the user wireless terminal, When the mobile terminal is identified and authenticated, the operating app of the user wireless terminal When a service transaction information including a transaction corresponding to the transaction register information registered in the authenticated merchants said identification, to process the payment of the transaction amount from the user's wireless terminal operating app.

Electronic payment, which is provided to a conventional offline merchant, is a process of reading out card information by reading a card from a merchant terminal when a customer presents the card to an merchant, creating a payment request message containing the card information at the merchant terminal, ), The card company server receives the payment request telegram and accepts the payment request telegram. As described above, a settlement route starting from a customer to a merchant terminal, a van, and a credit card company server is defined as a 'forward direction'.

Meanwhile, the conventional forward payment has advantages of providing offline payment promptly, but there is a problem that the commission fee including the van fee is charged excessively for each settlement from the merchant's point of view. And it is difficult for the credit card company to effectively deal with the illegal payment using the lost card.

In addition, the conventional forward payment has a problem that the customer's card information is exposed to the merchant in addition to the card issuer who issued the card with the customer himself / herself because the customer's card is paid by reading the merchant terminal.

On the other hand, when the buyer mobile receives the payment information by photographing the barcode displayed on the seller mobile, the buyer mobile requests the payment using the credit card stored in the buyer mobile and then receives the approval information from the buyer mobile through the short- (Japanese Patent Application Laid-Open No. 10-2014-0007781 (Jan. 20, 2014)).

However, in the case of the conventional reverse settlement method, since the buyer mobile shoots the barcode displayed on the seller mobile, it takes at least 5 to 6 seconds to prepare the barcode in the buyer's mobile so that time delay occurs compared to the conventional forward payment. Also, in the conventional reverse payment method, payment is made at the buyer mobile and the approval information is provided to the seller mobile through the short distance communication. In this case, after the barcode is displayed on the seller mobile, And can not provide payment. In addition, for short distance communication between the buyer mobile and the seller mobile, the mutual identification procedure such as pairing between the buyer mobile and the seller mobile must be performed in advance. In order to make a payment, a mutual identification procedure such as pairing between the buyer mobile and the seller mobile It is very uncomfortable and has a problem of rejection.

An object of the present invention to overcome the above problems is to provide a merchant terminal having a wireless device for transmitting a designated radio signal, when registering transaction registration information including amount information for reverse payment, (One Time IDentification) created through the merchant terminal to uniquely identify a specific transaction corresponding to the transaction registration information at least for a predetermined time, and transmits the transaction registration information From the operating app of the user wireless terminal that has received the wireless signal transmitted from the merchant wireless device that has registered the transaction registration information in the short distance, generates the disposable authentication code for authenticating the validity of the OTID To identify the merchant having the wireless device If the transaction information including the transaction amount corresponding to the transaction registration information registered in the identification and authenticated merchant is provided to the operating app of the user wireless terminal, the operation app of the user wireless terminal processes the payment of the transaction amount The present invention provides an asynchronous reverse payment method using a wireless device.

The asynchronous reverse payment method using the wireless device according to the present invention is executed through an operation server communicating with an affiliate shop terminal operated by an affiliate shop having a wireless device transmitting a designated wireless signal and communicating with a user wireless terminal visited at an affiliate shop Wherein the operation server receives transaction registration information including amount information from an affiliate store terminal operated by an affiliated store having the wireless device and separately identifies a merchant having the wireless device, A first step of receiving an OTID (One Time IDentification) generated through the merchant terminal to uniquely identify a specific transaction corresponding to the information for at least a predetermined period of time; Generate a disposable authentication code to authenticate the validity of A third step of storing the transaction registration information in association with the OTID and the authentication code in a second step, and a third step of storing the transaction registration information in association with the OTID and the authentication code in a second step; A fourth step of reading the wireless signal from a designated operating application of the user wireless terminal that has received the wireless signal and receiving recognition information including the recognized OTID and the authentication code; Authenticating the franchisee having the device and authenticating one of the transaction registration information uniquely identified through the OTID among the transaction registration information registered at the identification and authenticated merchant and verifying the transaction registration information identified through the authentication code A fifth step of authenticating the validity of the transaction registration information, And a sixth step of providing transaction information including a transaction amount corresponding to the amount information of the transaction registration information to an operating app of the terminal, wherein the transaction amount includes a payment procedure performed through the operating app of the user wireless terminal Is used.

In the asynchronous reverse payment method using the wireless device according to the present invention, it is preferable that the operation server confirms a unique code that uniquely identifies a merchant having a wireless device, and the operation server registers the merchant registration information, And associating at least one of the merchant-related information among the merchant information provided to the merchant and the terminal information provided at the merchant terminal with the confirmed unique code.

In the asynchronous reverse payment method using the wireless device according to the present invention, the OTID is generated by hiding a unique code for separately identifying a franchisee having a wireless device so as to be readable.

In the asynchronous reverse payment method using the wireless device according to the present invention, the OTID may hide a unique code that uniquely identifies a merchant having a wireless device, and may have a different code value for each transaction registration information .

In the asynchronous reverse payment method using the wireless device according to the present invention, the OTID may encode a specific code that uniquely identifies a merchant having a wireless device and specific time information according to a specified encoding rule, The unique codes are generated so as to be readable and to have different code values for respective transaction registration information.

In an asynchronous reverse payment method using a wireless device according to the present invention, the OTID may encode a unique code and a random number information that uniquely identify a merchant having a wireless device separately according to a specified encoding rule, So that the unique code can be read out and stored with different code values for each transaction registration information.

In the asynchronous reverse payment method using the wireless device according to the present invention, the OTID encodes a unique code, unique time information, and random number information, which uniquely identify a merchant having a wireless device, according to a specified encoding rule, The unique code can be read out only through the designated device or server and is generated so as to have a different code value for each transaction registration information.

In the asynchronous reverse payment method using the wireless device according to the present invention, the unique code may be a unique code determined to be unique to the merchant having the wireless device, And a unique code determined not to be duplicated in order to uniquely identify the wireless device provided at the merchant.

In the asynchronous reverse payment method using the wireless device according to the present invention, the transaction registration information may include at least one of merchant information provided to the merchant for settlement, terminal information provided at the merchant terminal, and merchant having the wireless device separately And further comprising at least one of inherent codes that uniquely identify the user.

In the asynchronous reverse payment method using the wireless device according to the present invention, the third step may further include providing the merchant terminal with the OTID and the authentication code associated with the transaction registration information .

In the asynchronous reverse payment method using the wireless device according to the present invention, the fifth step may include reading the OTID, reading the unique code concealed in the OTID, and using the read unique code, And authenticating the franchisee by unique identification.

In the asynchronous reverse payment method using the wireless device according to the present invention, the transaction amount includes the amount information of the transaction registration information or the amount calculated based on the amount information of the transaction registration information .

In an asynchronous reverse payment method using a wireless device according to the present invention, a step of receiving the transaction information by the operating app of the user wireless terminal and displaying the transaction amount of the transaction information through the designated payment interface And performing a settlement procedure for processing settlement of the transaction amount based on a user operation on the settlement interface by the operating app.

In the asynchronous reverse payment method using the wireless device according to the present invention, the payment procedure is performed via the operation server or via a separate designated server linked to the operating app.

According to the present invention, a merchant having a wireless device for transmitting a designated radio signal registers trade registration information in a specified operating server while separately identifying a franchisee having the wireless device, and at the same time, After registering the transaction registration information with the OTID generated to uniquely identify the transaction for at least a certain time, the OTID included in the radio signal is transmitted from the user wireless terminal that receives the wireless signal transmitted through the wireless device of the merchant Recognizes and authenticates the merchant having the wireless device through the recognized one OTID when requesting the reverse payment, and at the same time, identifies the merchant having the wireless device corresponding to any transaction registration information among the plurality of transaction registration information registered in the identification and authenticated merchant The system automatically identifies a particular transaction and allows it to be processed backwards through the user's wireless terminal. There is an advantage.

According to the present invention, an OTID associated with transaction registration information registered at an affiliated store having a wireless device is used to identify and authenticate an affiliated store having a wireless device, and at the same time, Even if the transaction registration information for the next settlement is registered before the reverse payment for the transaction registration information previously registered at the merchant having the wireless device is completed by automatically identifying the specific transaction corresponding to the registration information, And the reverse payment corresponding to each transaction registration information is processed asynchronously through each of the user wireless terminals that have received the wireless signal and recognize each OTID.

1 is a diagram showing a configuration of a system for providing reverse payment using a wireless device provided at an affiliate store according to an embodiment of the present invention.
2 is a functional block diagram of an operation server according to an embodiment of the present invention.
3 is a diagram showing a functional configuration of a franchisee-side terminal and a wireless device according to an embodiment of the present invention.
4 is a diagram illustrating a configuration of an application related function of a user wireless terminal according to an embodiment of the present invention.
5 is a diagram illustrating an information registration process according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a process of registering a transaction or transmitting a reverse OTID according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a transaction registration process or a reverse OTID transfer process according to another embodiment of the present invention.
FIG. 8 is a diagram illustrating a wireless signal recognition or transaction information providing process of a user wireless terminal according to an embodiment of the present invention.
9 is a diagram illustrating a reverse payment process using an operating app 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 showing a configuration of a system for providing reverse payment using a wireless device provided at an affiliate shop according to an embodiment of the present invention.

In more detail, FIG. 1 shows the wireless device 360 when registering transaction registration information including amount information for reverse payment from a merchant terminal 300 having a wireless device 360 for transmitting a designated wireless signal (One Time IDentification) created through the merchant terminal 300 to uniquely identify one merchant separately and at the same time uniquely identify a specific transaction corresponding to the transaction registration information for at least a predetermined period of time Generates a disposable authentication code for authenticating the validity of the transaction registration information, maps the transaction registration information to the transaction registration information, and transmits the registration registration information to the merchant wireless device (360) Receives identification information including the OTID from the operating app 420 of the wireless terminal 400 and identifies the merchant having the wireless device 360 If the user terminal 400 provides the transaction information including the transaction amount corresponding to the transaction registration information registered in the identification and authenticated merchant to the operating app 420 of the user wireless terminal 400, And the application 420 processes the settlement of the transaction amount, and if the person skilled in the art is familiar with the present invention, referring to and / or modifying the figure 1, (For example, some of the constituent parts may be omitted, or a subdivided or combined method) may be inferred from the various embodiments of the reverse payment providing system using the payment unit 360. However, the present invention includes all of the above- And the technical characteristics thereof are not limited only by the method shown in FIG.

The system of the present invention is characterized in that a franchisee having a franchise shop terminal 300 operated by an affiliated shop having a wireless device 360 for transmitting a designated wireless signal and a wireless device 360 transmitting a designated wireless signal is distinguished Side wireless device 360 for transmitting a wireless signal including the OTID dynamically generated in a disposable fashion to a unique location for uniquely identifying a specific transaction of the franchisee at least for a certain period of time at a short distance; 360), and a user wireless terminal (400) capable of installing or installing an operating app (420) for performing a payment procedure for the confirmed transaction amount using the recognized OTID, And an operation server 200 communicating with the affiliate shop terminal 300 operated by each affiliate store in cooperation with the operating app 420 of the user wireless terminal 400. The operation server 2 00) or a payment server 100 that performs a specified server-side settlement procedure in cooperation with the operating app 420. [

The franchise-point-side terminal 300 is a collective term of a terminal operated by an affiliated store having a wireless device 360 for transmitting a designated radio signal. For example, the franchise-side terminal 300 may include a merchant terminal (for example, POS terminal, CAT, etc.). Alternatively, the franchise-point-side terminal 300 is operated in an affiliate terminal (for example, a POS terminal, a CAT, a pad force, etc.) provided in each affiliate shop or an affiliate shop for the reverse payment based on the affiliate shop- (E.g., a smartphone, a mobile phone, a tablet PC, or the like) or a wireless terminal carried by an affiliate shop owner (or an employee). That is, the franchise-point-side terminal 300 of the present invention may be any terminal that performs the function of the franchise-point-side terminal 300 described in the present invention by being operated by the franchisee, and may be a terminal of a specific name or a specific physical terminal It is not limited.

According to the embodiment of the present invention, the franchise-point-side terminal 300 can communicate with the operation server 200 through a communication network, and the franchise-point-side terminal 300 for the reverse payment based on the franchise- ) Is installed and executed. Even if there is no separate instruction thereafter, it is made clear that the description using the merchant terminal 300 as a main body is implemented through the merchant application 320.

An affiliate shop wireless device 360 that transmits a wireless signal designated to an affiliate shop operating the affiliate shop terminal 300 is provided and an affiliate shop application 320 specified in the affiliate shop terminal 300 of the affiliate shop is installed , The franchise-point-side terminal 300 can perform a predetermined information registration procedure for the reverse payment using the franchise-point-side wireless device 360.

According to the method of the present invention, the merchant-point-side terminal 300 transmits merchant registration information (for example, merchant name, merchant store, phone number, address, business type / ) Can be transmitted and registered. On the other hand, the merchant-point-side terminal 300 stores the merchant information given to the merchant for a predetermined settlement (for example, a forward payment for transferring the specialties to the card company via the VAN from the merchant terminal) And can transmit the merchant information to the designated operating server 200 for registration. Alternatively, the merchant terminal 300 may store predetermined terminal information (for example, information that uniquely identifies a specific terminal among the terminals provided at the merchant, or information given to the merchant terminal processing the forward payment, etc.) And can transmit and receive the terminal information to the designated operation server 200 and register it.

The franchise-point-side terminal 300 includes a separate inherent code (e.g., a unique code that uniquely identifies a franchisee having a wireless device 360 that transmits a designated radio signal, and / A unique code that uniquely identifies the merchant terminal 300 separately operated by the merchant having the merchant terminal 300, and / or a unique code that uniquely identifies the wireless device 360 that transmits the designated wireless signal to the merchant ), And can process the specific code to be registered through the designated operation server 200.

According to the first specific code embodiment of the present invention, the unique code may include a code value assigned to the merchant that is determined to be unique so as to uniquely identify the merchant having the wireless device 360. (For example, merchant point information such as a merchant point number for (forward) payment) may be assigned to the merchant. Conventionally, the information allocated to the merchant store is transmitted to the merchant 360, The unique code is provided with the wireless device 360 at the merchant so that the merchant having the wireless device 360 can be separately identified by uniquely identifying the merchant And may include code values that are determined not to be duplicated for the sake of convenience.

According to the second specific code embodiment of the present invention, the unique code may include a code value that is not redundantly determined to uniquely identify the merchant-side terminal 300 of the merchant having the wireless device 360 . If the merchant terminal 300 provided in the merchant is a merchant terminal used for a conventional (forward) payment, the merchant terminal sends information for identifying the merchant terminal (for example, (forward) payment) to the merchant terminal The information provided in the merchant terminal is information provided only to identify the merchant terminal regardless of whether the merchant is equipped with the wireless device 360. On the other hand, The unique code includes the wireless device 360 at an affiliated store so that a unique code value that is determined in a non-redundant manner to separately identify the affiliated store terminal 300 provided at an affiliated store having the wireless device 360 . ≪ / RTI >

According to the third specific code embodiment of the present invention, the unique code may include a code value that is not redundantly determined to uniquely identify the wireless device 360 at the merchant. The wireless device 360 provided at the merchant may be assigned a unique code value that is not redundant to uniquely identify the wireless device 360. In this case, The franchisee having the merchant 360 can be used as a unique code that uniquely identifies the franchisee.

According to a fourth inherent code embodiment of the present invention, the inherent code may comprise a code that at least partially combines at least two of the first through third inherent code embodiments, It is not limited. That is, it is clear that the unique code of the present invention belongs to the scope of the present invention, whatever code is not duplicated in order to uniquely identify the wireless device 360.

According to the embodiment of the present invention, the affiliated shop terminal 300 (or the information registration terminal used in the affiliated shop) operated by the affiliated shop having the wireless device 360 can access the merchant terminal 300 To the fourth specific code embodiment, and registers the unique code corresponding to at least one of the first to eighth specific code embodiments through the designated operation server 200. [

According to the first unique code identification embodiment of the present invention, the unique code may be displayed on one side of the merchant-side wireless device 360 or may include code values printed on the wireless device 360's instruction manual, In this case, the franchise owner (or employee) of the franchisee that receives (or purchases) the franchise point wireless device 360 receives the code value of the wireless device 360 via the franchise shop terminal 300 And the merchant terminal 300 can confirm a unique code including the input code value.

According to the second unique code checking embodiment of the present invention, the merchant-side wireless device 360 can be supplied (or sold) to the merchant while recording a code value unique to the designated storage area, and the wireless device 360 The franchise point terminal 300 of the franchisee to which the franchisee 300 has supplied (or purchased) the at least one local communication means (for example, at least one of Bluetooth, WiFi, NFC and RF communication or USB, RS232, Wired communication means, and the like). In this case, the merchant terminal 300 requests / receives a code value recorded in a designated storage area of the wireless device 360 in cooperation with the merchant-side wireless device 360, You can check your own code.

According to the third specific code checking embodiment of the present invention, the merchant-point-side terminal 300 is connected to the operation server 200 during / after communication connection (or performing a predetermined information registration procedure) with the designated operation server 200, And a procedure for exchanging / agreeing a code value determined not to be duplicated by performing a designated code exchange procedure, and can confirm a unique code including the exchanged / agreed code value.

According to the fourth unique code checking embodiment of the present invention, the merchant terminal 300 generates a code value that is not duplicated (or generates a code value) through a designated code generation procedure, And checks the unique code including the generated code value.

According to the fifth unique code checking embodiment of the present invention, the operating server 200 communicating with the merchant-point-side terminal 300 generates a code value that is not duplicated (or generates a code value The franchise point terminal 300 may receive the code value determined not to be duplicated from the operation server 200, and may transmit the generated code value to the franchise point terminal 300, And receive a unique code containing the received code value.

According to the sixth unique code checking embodiment of the present invention, the merchant terminal 300 may at least partially combine at least two of the first to fifth unique code checking embodiments to determine a unique code The present invention is not limited thereto.

According to the method of the present invention, the franchise-point-side terminal 300 transmits the unique code confirmed through at least one of the first to sixth unique code checking embodiments to the merchant terminal 300 Side wireless device 360 associated with the mobile terminal 300) in a designated storage area (but may be omitted if stored in advance).

According to the embodiment of the present invention, the franchise-point-side terminal 300 transmits the unique code identified through at least one of the first to sixth unique code checking embodiments to the designated operation server 200 Registration request). Preferably, the operation server 200 stores at least one merchant-related information among the merchant registration information on the merchant, merchant information on the merchant for settlement, and terminal information on the merchant- The inherent code can be linked and stored in the designated storage medium.

Meanwhile, according to another embodiment of the present invention, the merchant terminal 300 may be provided with the wireless device 360 at any time before, during, or after registration of transaction registration information including amount information for reverse payment. A procedure for registering the unique code may be omitted in the case of dynamically generating an OTID in the form of a code value for uniquely identifying one merchant separately and uniquely identifying a specific transaction corresponding to the transaction registration information at least for a predetermined period of time And it is clear that the present invention can also include an embodiment that does not register the unique code as a right scope.

In the reverse payment based on the wireless device 360 according to the present invention, the merchant terminal 300 receives amount information for reverse payment or checks the amount information according to a designated procedure, And registers it in the operation server 200. [

According to an embodiment of the present invention, the transaction registration information includes the input / verified amount information, and may further include product information and / or date information corresponding to the amount information according to an implementation method. Meanwhile, the transaction registration information may include merchant registration information for the merchant to identify the merchant registration information (or the merchant terminal 300) for registering the transaction registration information for the reverse payment, merchant information And terminal information provided in the franchise-point-side terminal 300, as shown in FIG. Meanwhile, the unique code is provided to the merchant terminal 300 (or the affiliate shop wireless device 360 associated with the affiliate shop terminal 300) according to an embodiment of the present invention, The transaction registration information may further include the unique code, and thus the present invention is not limited thereto.

Meanwhile, at a specified point in time before, during, and after the transaction registration information is registered in the operation server 200, the franchisee-side terminal 300 separately identifies the franchisee having the wireless device 360 separately At the same time, an OTID (One Time IDentification) for uniquely identifying a specific transaction corresponding to the transaction registration information at least for a predetermined time is generated.

According to the method of the present invention, the merchant terminal 300 identifies a unique code that uniquely identifies a merchant having the wireless device 360 separately, and reads the unique code only through a specified device / server The OTID of the designated code system generated in a disposable manner having different code values for each transaction corresponding to the transaction registration information can be generated. In other words, the OTID of the present invention has a unique identification that uniquely identifies a franchisee having the wireless device 360, and at the same time, the OTID of the present invention has a unique identification that uniquely identifies a particular transaction corresponding to specific transaction registration information And has an identifiability.

On the other hand, a normal one-time password is used only as an authentication means for authenticating a previously identified object through a predetermined identification means based on a one-time (= effective for a certain period of time) and randomness (a property having an arbitrary value) , The OTID of the present invention not only has uniqueness that is not duplicated, discrimination for identifying a specific object, one-time for identifying a specific transaction for a predetermined time, and the like, And has multiple identities that simultaneously identify transactions.

According to the first OTID generation embodiment of the present invention, the merchant-point-side terminal 300 confirms the unique code that uniquely identifies the merchant having the wireless device 360 and the time information read according to the specified rule, And can generate a disposable OTID concealing the inherent code by using the inherent code and time information as at least one of parameters of an encoding rule for generating a code value of a designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

According to the second OTID generation embodiment of the present invention, the merchant-point-side terminal 300 confirms a unique code that uniquely identifies a merchant having the wireless device 360 and random number information generated through a specified algorithm And generating a disposable OTID hidden from the inherent code by using the inherent code and the random number information as at least one of parameters of an encoding rule for generating a code value of a designated code system. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

According to the third OTID generation embodiment of the present invention, the merchant-point-side terminal 300 includes a unique code for separately identifying a merchant having the wireless device 360, time information read according to a specified rule, And performing a specified encoding procedure by using the unique code, the time information, and the random number information as at least one of parameters of an encoding rule for generating a code value of a designated code system, One disposable OTID can be created. The specific device / server having the decoding rule corresponding to the encoding rule can decode the OTID through the decoding rule and read the unique code hidden in the OTID.

According to the fourth OTID generating embodiment of the present invention, the merchant terminal 300 exchanges a key value valid for a predetermined time with a specific device / server from which the unique code is to be read from the OTID hidden from the inherent code, A unique sequence of information including the unique code may be encoded in accordance with a specified encoding rule using the inherent code to generate a disposable OTID concealing the inherent code. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the OTID through the decoding rule and the key value and read the unique code hidden in the OTID.

According to the fifth OTID generation embodiment of the present invention, the merchant terminal 300 exchanges a designated key value with a specific device / server from which the unique code is to be read from the OTID hidden from the inherent code, A set of information including the unique code may be encoded according to a specified encoding rule using the temporary information read in accordance with the rule, thereby generating a disposable OTID concealing the inherent code. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the OTID through the decoding rule, the key value, and the date and time information and read the unique code hidden in the OTID.

According to the sixth OTID generation embodiment of the present invention, the franchise-point-side terminal 300 can acquire the unique code by at least partially combining at least two embodiments among the first to fifth OTID generation embodiments It is possible to generate a hidden disposable OTID, and thus the present invention is not limited thereto.

According to another embodiment of the present invention, the merchant terminal 300 includes (or hides) a temporary unique code determined not to be duplicated for a predetermined period of time without hiding the unique code, It is possible to generate an OTID in the form of a code value that uniquely identifies a franchisee and uniquely identifies a specific transaction corresponding to the transaction registration information at least for a predetermined period of time, and thus the present invention is not limited thereto.

When the OTID is generated through at least one of the first to sixth OTID generation embodiments, the merchant terminal 300 can transmit the generated OTID to the operation server 200. [ The merchant terminal 300 may transmit the transaction registration information and the OTID together to the operation server 200, or sequentially transmit the transaction registration information and the OTID according to a designated procedure, thereby not limiting the present invention.

The operation server 200 receives the transaction registration information from the merchant terminal 300 operated by an affiliated store having the wireless device 360 and transmits the transaction information to the OTID transmitted through the merchant terminal 300 .

On the other hand, the operating server 200 receiving the transaction registration information can confirm whether the merchant operating the merchant terminal 300 that transmitted the transaction registration information is a merchant having the wireless device 360. According to the embodiment of the present invention, the operation server 200 compares / inquires the information included in the transaction registration information and the information registered in the operation server 200, It is possible to confirm whether the merchant operating the terminal 300 is a merchant having the wireless device 360.

On the other hand, the operating server 200 receiving the OTID can read the OTID and confirm that the merchant registering the transaction registration information together with the OTID is a merchant having the wireless device 360. For example, the operation server 200 reads the unique code included in the OTID and compares / inquires the information registered in the operation server 200, thereby registering the transaction registration information together with the OTID It is possible to confirm whether it is a franchisee having the wireless device 360.

When the merchant registering the transaction registration information is identified as an affiliated store having the wireless device 360, the operation server 200 stores the transaction registration information (or the amount information including the amount information) received from the affiliated shop terminal 300 At least a part of the transaction registration information) and the OTID are stored and managed in a designated storage medium. Preferably, the operation server 200 may store and manage the transaction registration information and the OTID in a designated storage medium for a predetermined time (or more than a predetermined time) corresponding to at least the valid time of the OTID.

The operation server 200 dynamically generates a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined time through the OTID.

According to the first authentication code embodiment of the present invention, the operation server 200 can generate a random value type disposable authentication code using a predetermined random number algorithm.

According to the second authentication code embodiment of the present invention, the operation server 200 transmits at least a part of information (for example, money amount information, commodity information, date information, and the like) included in the transaction registration information to a specified encoding algorithm Hash function or the like) to generate a one-time authentication code in the form of a transaction interlocking code associated with a specific transaction corresponding to the transaction registration information.

According to the third authentication code embodiment of the present invention, the operation server 200 can acquire at least a part of information (for example, some information of the affiliated store-related information) exchanged / pre-shared with the affiliate shop- (For example, OTP (One Time Password), etc.) by substituting a variable value (e.g., a time value, a random number value, etc.)

According to the fourth authentication code embodiment of the present invention, the operation server 200 substitutes at least a part of information included in the transaction registration information and a variable value dynamically determined into a specified coding algorithm, and corresponds to the transaction registration information It is possible to generate a one-time authentication code in the form of a transaction-related code associated with a specific transaction to be performed.

According to the fifth authentication code embodiment of the present invention, the operation server 200 may include at least a part of information previously exchanged / shared with the merchant-side terminal 300, at least some information included in the transaction registration information, It is possible to substitute a dynamically determined variable value into a specified encoding algorithm to generate a disposable authentication code in the form of a transaction interlocking code associated with a specific transaction corresponding to the transaction registration information.

According to the sixth authentication code embodiment of the present invention, the operation server 200 may uniquely identify the authentication code for a predetermined time period through the OTID in a form of at least partially combining at least two of the first to fifth authentication code embodiments It is possible to generate a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) that is uniquely identified. Meanwhile, the disposable authentication code of the present invention may be any value as long as it is a code value generated by disposing, and the above embodiment is a preferred embodiment for generating the authentication code. However, the authentication code of the present invention is not limited to the above embodiment .

If a disposable authentication code is dynamically generated through at least one of the first through sixth authentication code embodiments, the operation server 200 stores the generated disposable authentication code in a designated storage medium for a predetermined period of time Management. Preferably, the operation server 200 stores the created disposable authentication code in association with the transaction registration information (or at least some transaction registration information including the amount information) received from the affiliate shop terminal 300 , And / or associating the generated disposable authentication code with the OTID. According to the method of the present invention, by storing the generated disposable authentication code in association with the transaction registration information and / or the OTID, the authentication code can be provided to the transaction registration information A specific transaction) can be used to authenticate the validity of the transaction.

After storing the OTID, the transaction registration information, and the disposable authentication code in a designated storage medium, the operation server 200 registers the transaction registration information, the OTID, and the disposable authentication code in association with the merchant terminal 300 And provides the registration result information including the registration result information. Preferably, the registration result information may include an OTID associated with the transaction registration information and a disposable authentication code.

The merchant terminal 300 receives the registration result information including the OTID and the disposable authentication code from the operation server 200 and provides the OTID and the disposable authentication code to the designated merchant wireless device 360, And transmit the wireless signal including the OTID and the disposable authentication code through the wireless device 360 within the valid time of the OTID. Preferably, the OTID, the validity time, and the validity time of the disposable authentication code may be synchronized.

When the registration result information including the OTID and the disposable authentication code is received from the operation server 200, the merchant terminal 300 provides the OTID and the disposable authentication code to the designated merchant wireless device 360, And transmit the wireless signal including the OTID and the disposable authentication code through the wireless device 360 within the valid time of the OTID.

The franchise point wireless device 360 is a collective term of a device that is provided / operated in an affiliated store and transmits (or broadcasts) a wireless signal of a specified wireless signal standard that can be received and recognized by a nearby user wireless terminal 400, The wireless signal including the OTID is transmitted to a short distance, and the wireless signal including the OTID and the disposable authentication code can be transmitted in a short distance according to the method.

The present invention is characterized in that a wireless signal including the OTID is transmitted through a separate wireless device 360 provided at an affiliated store and a unique identification and authentication of a merchant having the wireless device 360 through one OTID Based on a characteristic of automatically identifying a transaction registration information among a plurality of transaction registration information registered in the identification and authenticated merchant for a predetermined period of time, before the reverse payment for transaction registration information previously registered in the merchant terminal (300) is completed Even if the transaction registration information for the next reverse payment is registered, each reverse payment can be processed asynchronously.

According to the method of the present invention, the merchant-side wireless device 360 is connected to at least one of the specified at least one local communication means (e.g., at least one of Bluetooth, WiFi, NFC, RF communication, Communication means, and the like).

According to the method of the present invention, the merchant-point-side wireless device 360 receives the wireless signal of the specified wireless signal standard that is received through the short-range wireless unit 410 provided in the user wireless terminal 400 and recognizable through the designated application (Or broadcast) it. Preferably, the merchant-side wireless device 360 may transmit a Bluetooth-based asynchronous radio signal (e.g., a radio signal that is broadcast on a Bluetooth 4.0 standard or later without specifying the recipient (or without pairing)). Alternatively, the merchant-side wireless device 360 may transmit a Wi-Fi-based asynchronous wireless signal. Alternatively, the franchise point wireless device 360 may transmit a wireless signal of the NFC (Near Field Communication) standard. In this case, the franchise point wireless device 360 may be a reader / writer mode, a tag mode, Can operate. Alternatively, the franchise point wireless device 360 can transmit a wireless signal of the RFID standard specification. That is, the franchise point wireless device 360 of the present invention can be any device that transmits (or broadcasts) a recognizable wireless signal through a wireless signal-related component provided in a user wireless terminal 400 located at a nearby location It should be clear that the present invention is not limited to the apparatus for transmitting a radio signal of a specific radio signal standard belonging to the right scope of the present invention.

According to the embodiment of the present invention, the franchise point wireless device 360 can receive the OTID from the franchise point terminal 300 and transmit the wireless signal including the OTID in a short distance. Alternatively, the franchise point-side wireless device 360 may receive the OTID and the disposable authentication code from the franchise-side terminal 300 and transmit the wireless signal including the OTID and the disposable authentication code at a short distance.

The user wireless terminal 400 is a collective term of a wireless terminal having a wireless signal related component capable of receiving a wireless signal transmitted through the affiliate shop wireless device 360 owned by the user, The operation app 420 for recognizing the OTID of the radio signal transmitted through the merchant-side radio device 360, confirming the transaction amount using the recognized OTID, and performing the transaction procedure of the transaction amount, Installation can be executed.

The user wireless terminal 400 includes a short range wireless unit 410 that receives a wireless signal transmitted (or broadcasted) through the affiliate shop wireless device 360. The near field wireless unit 410 of the user wireless terminal 400 receives radio signals transmitted (or broadcasted) through the affiliated dealer wireless device 360 and wirelessly transmits wireless signals The present invention is not limited thereto.

According to the first operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be provided by the user (or with a designated application) before sending the wireless signal from the merchant- (Or activated) at the user wireless terminal 400 (depending on the driving procedure). In this case, when the operating app 420 is activated (or activated), it is checked whether the local wireless unit 410 is activated so as to receive the designated wireless signal. If the local wireless unit 410 is not activated, And may perform a series of procedures for activating the short range wireless unit 410. Meanwhile, when the local wireless unit 410 of the user wireless terminal 400 is activated or activated, the operating application 420 of the user wireless terminal 400 transmits the activated local wireless unit 410 And receives the radio signal transmitted from the franchise point wireless device 360 and receives data transmitted from the franchise point wireless device 360 and digitizes the wireless signal received through the short- So as to recognize the OTID and the disposable authentication code included in the wireless signal.

According to the second operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be configured to send the wireless signal to the merchant's wireless device 360, May be driven (or activated) by the user wireless terminal 400 and the powered (or activated) operating app 420 may determine whether to transmit or receive wireless signals to the merchant wireless device 360 It is possible to display an interface screen that guides the user. If it is determined by the user to transmit / receive a radio signal to / from the affiliated store-side wireless device 360 based on the interface screen, the operating app 420 transmits the wireless signal to the affiliated store-side wireless device 360 via the local wireless unit 410, And transmits the request signal requesting to transmit the designated radio signal, and the merchant-side radio device 360 can transmit a radio signal including the OTID and the disposable authentication code based on the request signal.

According to the embodiment of the present invention, the request signal may include an identifier for identifying the user wireless terminal 400 (or the operating app 420 of the user wireless terminal 400) that transmits the request signal. In this case, The merchant-side wireless device 360 may transmit the wireless signal including the OTID and the disposable authentication code and including the identifier. In this case, the operating app 420 of the user wireless terminal 400 reads the digitized data of the received wireless signal and recognizes the identifier, so that the received wireless signal is transmitted to the merchant wireless device It is possible to recognize that the radio signal is transmitted through the antenna 360.

Meanwhile, when the short range wireless unit 410 of the user wireless terminal 400 performs bidirectional short distance wireless communication with the affiliated shop wireless device 360, the request signal includes the OTID and the one-time authentication In this case, the merchant-side wireless device 360 may transmit a wireless signal including the OTID and the disposable authentication code according to the command.

The operating app 420 that has transmitted the request signal to the merchant wireless device 360 via the short range wireless unit 410 receives the request from the merchant wireless device 360 through the short range wireless unit 410, Signal, and recognizes the OTID and the disposable authentication code included in the wireless signal by reading the digitized data of the received wireless signal.

According to the third operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 transmits the wireless signal designated by the merchant wireless device 360, (Or activated). The operating app 420 activated (or activated) by receiving the wireless signal can read the digitized data of the received wireless signal and recognize the OTID and the disposable authentication code included in the wireless signal.

According to the fourth operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be configured to at least partially combine at least two embodiments of the first through third operating app operating embodiments And can recognize the OTID and the disposable authentication code included in the wireless signal received through the short range wireless unit 410, and thus the present invention is not limited thereto.

If the OTID and the disposable authentication code included in the wireless signal received from the merchant wireless device 360 are recognized through at least one of the first to fourth operating modes, Configures the recognition information including the recognized OTID and the disposable authentication code and transmits the recognition information configured to the operation server 200 via at least one communication network connected to the user wireless terminal 400. [

The operating server 200 receives the identification information including the OTID and the disposable authentication code from the operating app 420 of the at least one user wireless terminal 400 via the designated communication network.

The operating server 200 reads the OTID included in the received recognition information and reads the inherent code stored in the OTID. Preferably, the operation server 200 reads the OTID through the decoding rule corresponding to the encoding rule for generating the OTID, and reads the unique code concealed in the OTID.

According to an embodiment of the present invention, the operation server 200 reads the code system of the unique code read from the OTID and confirms whether the unique code is a code for separately identifying a merchant having the specified wireless device 360 .

According to an embodiment of the present invention, the operation server 200 inquires a unique code of a storage medium storing a unique code of a merchant having the wireless device 360 through a unique code read from the OTID, Corresponding to the unique code read from the OTID among the affiliated stores having the wireless device 360 by confirming that the inherent code read from the OTID is a unique code that uniquely identifies the affiliated store with the wireless device 360. [ Can be identified and authenticated.

According to an embodiment of the present invention, the operation server 200 inquires of a storage medium that associates and stores merchant-related information with a unique code of a merchant having the wireless device 360 through a unique code read from the OTID It is possible to identify and authenticate any one of the franchisees having the wireless device 360 corresponding to the unique code read from the OTID by checking the franchise-related information corresponding to the unique code read from the OTID.

Meanwhile, when the franchisee corresponding to the unique code read out from the OTID among the franchisees having the wireless device 360 is identified and authenticated, the operation server 200 registers the franchisee terminal 300, which is operated by the identified and authenticated merchant, A transaction registration information which is uniquely identified for a predetermined period of time through the OTID among the transaction registration information. According to the embodiment of the present invention, the transaction registration information registered from the merchant terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined period of time, It is preferable that the registration information is any one of the transaction registration information, and the operation server 200 determines whether or not the transaction registration information registered from the merchant terminal 300 operated by the identified and authenticated merchant through the OTID The transaction registration information is uniquely identified.

On the other hand, if transaction registration information uniquely identified for a predetermined time is confirmed through the OTID, the operation server 200 confirms a disposable authentication code stored in association with the OTID and / or stored in association with the transaction registration information, The validity of a specific transaction registration information (or a specific transaction) identified through the OTID can be authenticated by comparing and authenticating the authentication code included in the recognition information with the stored authentication code.

A transaction registration information which is uniquely identified for a predetermined period of time is confirmed through the OTID from among one or more transaction registration information registered through the merchant terminal 300 which is operated by a franchisee that is uniquely identified through the OTID, When the validity of the transaction registration information is authenticated, the operation server 200 confirms the amount information of the confirmed transaction registration information, and transmits the transaction amount to be reversed through the user wireless terminal 400 based on the amount information / RTI >

According to the first transaction amount embodiment of the present invention, the operation server 200 can confirm the amount information of the confirmed transaction registration information as the transaction amount.

According to the second transaction amount embodiment of the present invention, the operation server 200 confirms discount information to be applied to the user wireless terminal 400 (or the operating app 420) that has transmitted the recognition information, (Or discount) the discount information to be applied to the user of the terminal 400 (or the operating app 420), subtracts (or discounts) the amount corresponding to the discount information from the amount information of the transaction registration information, Can be calculated.

According to the third transaction amount embodiment of the present invention, the user wireless terminal 400 (or the user of the wireless terminal 400) that has transmitted the recognition information transmits a part of the amount information of the confirmed transaction registration information And the remaining amount of money is paid through another user, the operation server 200 interworks with the operating app 420 of the user wireless terminal 400 to transmit the transaction information to the user wireless terminal 400, (Or the user of the wireless terminal 400) can confirm / calculate a certain amount of money to be paid, and confirm / determine the confirmed amount of money with the transaction amount.

According to the fourth transaction amount embodiment of the present invention, the transaction amount can be ascertained / calculated in the form of at least partially combining at least two embodiments among the first to third transaction amount embodiments, The invention is not limited.

When the transaction amount corresponding to the amount information of the transaction registration information is confirmed / calculated, the operation server 200 includes the confirmed / calculated transaction amount and generates at least one information included in the transaction registration information (For example, at least one of merchandise information, date information, merchant store registration information, merchant store information, and terminal information) and / or information on merchant stores registered in the operating server 200 Merchant information, and terminal information) of the transaction information. The operating server 200 transmits the configured transaction information to the operating app 420 of the user wireless terminal 400. On the other hand, the operation server 200 can store and manage transaction information with the OTID for a predetermined time, and if the transaction information has the same configuration information as the transaction registration information, the transaction server 200 does not separately manage OTID and transaction information It is acceptable.

The operating application 420 of the user wireless terminal 400 includes at least one information included in the transaction registration information and / or at least one information included in the transaction registration information including the transaction amount from the operation server 200 The transaction information including the registered merchant-related information may be received, and the transaction information may be output through the designated interface screen on the designated application screen.

The user who has confirmed the transaction information output through the designated interface screen of the operating app 420 can determine whether or not to process the transaction information based on the output amount information, To process the settlement of the transaction information.

When it is determined by the user to process payment of transaction information, the operating app 420 of the user wireless terminal 400 transmits payment information for payment processing of the transaction amount through the designated payment interface on the basis of the payment processing decision (For example, transaction information or some information necessary for payment processing among the transaction information), performs a terminal-side payment procedure provided in the operational application 420, and at the same time, (For example, card information registered on the server side, account information, etc.) usable in the operating app 420 to process payment for the transaction amount.

The payment server 100 is a general term for a server that performs a server-side settlement procedure corresponding to a terminal-side settlement procedure performed in the operating application 420 of the user wireless terminal 400 to approve payment of a specified transaction amount, (For example, a payment approval server) of the financial institution that issued the payment means, and a payment server 100 of the payment provider associated with the financial company server that issued the payment means .

According to an embodiment of the present invention, when the payment server 100 is provided in a financial institution, the payment server 100 can store and manage payment means information corresponding to the user payment means for easy settlement. In this case, when the token information mapped to the payment means information is received via the designated path, the payment server 100 extracts the stored payment means information based on the token information and approves payment of the specified transaction amount Server-side settlement procedures can be performed. On the other hand, when the payment server 100 is not provided to the financial company, the payment server 100 may store and manage token information for identifying the payment means information provided in the financial company server, Side payment procedure by requesting to approve the settlement of the transaction amount by transmitting the token information and the designated transaction amount to be identified. On the other hand, in a case where the payment is not a simple settlement, which is not a terminal settlement procedure performed by the operating app 420, the settlement means 100 may not store the payment means information and / or use the token information. The invention is not limited.

The operating app 420 of the user wireless terminal 400 performs a terminal side settlement procedure for interworking with the payment server 100 via a designated path, 200), or via a specified relay server (for example, a PG server, a relay server of the settlement provider associated with the operation app 420, etc., not shown) linked with the settlement server 100 of the specified settlement system The operating app 420 can be linked directly with the payment server 100 of the designated payment system according to the method of operation (for example, the payment server 100 of the payment system specified in the application) ), Or the like), or the like.

According to the first payment procedure embodiment of the present invention, the operating application 420 may perform the terminal-side payment procedure specified in the application to process the settlement of the transaction amount in conjunction with the operation server 200, Side billing procedure associated with the terminal-side settlement procedure to the payment server 100 of the specified billing system in conjunction with the operation server 200 while performing the designated-terminal-side settlement procedure. Preferably, the payment server 100 may process payment approval for the transaction amount through the user payment means identified by combining the terminal-side payment procedure and the server-side payment procedure, The terminal side settlement procedure performed in the operating app 420 and the server side settlement procedure of the settlement server 100 may be interlocked so that settlement of the transaction amount is approved.

According to the second payment procedure embodiment of the present invention, the operating app 420 may interwork with a designated relay server (e.g., a PG server, a payment provider server associated with the operating app 420, etc.) The payment server can perform the settlement procedure specified in the app to process the settlement of the transaction amount in cooperation with the relay server, 100) to request a server-side settlement procedure associated with the terminal-side settlement procedure. Preferably, the payment server 100 may process payment approval for the transaction amount through the user payment means identified by combining the terminal-side payment procedure and the server-side payment procedure, 420) and the server-side settlement procedure of the settlement server 100, so that the payment of the transaction amount is approved.

According to the third embodiment of the payment procedure of the present invention, the operating app 420 can be directly linked with the payment server 100 of the designated payment system, and can process payment of the transaction amount in cooperation with the payment server 100 Side payment procedure in the application and perform processing to request the server-side payment procedure associated with the terminal-side payment procedure to the payment server 100 while performing the specified-terminal-side payment procedure . Preferably, the payment server 100 may process payment approval for the transaction amount through the user payment means identified by combining the terminal-side payment procedure and the server-side payment procedure.

When the server-side payment procedure for the transaction amount is completed through the payment server 100, the operational application 420 of the user wireless terminal 400 transmits the payment amount of the transaction amount through the path for performing the payment procedure And payment result information including the result can be provided.

Meanwhile, when the operation server 200 participates in the settlement procedure of the transaction amount according to the first settlement procedure embodiment, the operation server 200 transmits settlement result information including the settlement result of the transaction amount during the settlement procedure Can be confirmed. Alternatively, in the case of the second settlement procedure embodiment, the operation server 200 receives settlement result information including the settlement result of the transaction amount from at least one of the relay server, the settlement server 100, and the operation app 420 . Alternatively, in the case of the third payment procedure embodiment, the operation server 200 may receive payment result information including the settlement result of the transaction amount from at least one of the payment server 100 and the operation app 420. The operation server 200 provided with the settlement result information may provide the settlement result information to the designated merchant terminal 300 and the merchant terminal 300 may receive and output the settlement result information .

2 is a functional block diagram of an operation server according to an embodiment of the present invention.

FIG. 2 illustrates a functional configuration for implementing the operational server 200 shown in FIG. 1. Referring to FIG. 2 and FIG. 3, / RTI > and / or < / RTI > may be used to derive various implementations of the functional configuration of the operational server 200 (e.g., some configuration portions omitted, or broken down or combined implementations) And the technical features thereof are not limited only by the method shown in FIG.

The operation server 200 according to the embodiment of the present invention operates in cooperation with the operating app 420 installed in the user wireless terminal 400 and operates the merchant terminal 300 operated by the merchant having the wireless device 360, And is capable of communicating with the payment server 100 on the specified payment system.

Referring to FIG. 2, the operation server 200 includes an agent store registration information for an affiliated store having a wireless device 360, merchant store information assigned to the affiliated store for settlement, And an information storage unit 205 for registering and storing at least one merchant-related information among terminal information or registering a unique code for separately identifying a merchant having the wireless device 360 and storing the unique code in association with the merchant- Respectively.

The merchant registration information for the merchant, the merchant information given to the merchant for settlement, the merchant information on the merchant-side terminal 300 (or a separate operating terminal) having the wireless device 360, , The information storage unit 205 stores at least one of the merchant registration information, the merchant information, and the terminal information from the merchant terminal 300 And stores the received merchandise-related information in a storage medium storing merchant-store-related information of the merchant having the wireless device 360. [

When the merchant terminal 300 (or a separate operating terminal or the like) having the wireless device 360 requests registration of a unique code that uniquely identifies the merchant, the information storage unit 205 stores It is possible to identify a unique code corresponding to at least one of the first to fourth inherent code embodiments of the present invention in accordance with at least one of the first to sixth inherent code identifying embodiments, May be processed in association with the merchant-related information and stored in a designated storage medium.

Referring to FIG. 2, the operation server 200 includes a transaction registration receiving unit 210 receiving transaction registration information including amount information from an affiliate shop terminal 300 operated by an affiliated store including the wireless device 360 And an OTID that uniquely identifies a franchisee including the radio device 360 from the franchise point side terminal 300 and uniquely identifies a specific transaction corresponding to the transaction registration information for at least a predetermined period of time An authentication code generation unit 220 for dynamically generating a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined time through the OTID, A transaction registration management unit 225 for storing the transaction registration information, the OTID, and the disposable authentication code in association with each other, and the transaction registration information, OTID, Properties of the cord provides the associated registration result information registered results and a providing unit (230).

The merchant terminal 300 operating in the merchant having the wireless device 360 receives the amount information for the reverse payment or confirms it according to a designated procedure and configures the transaction registration information including the amount information, 200, the transaction registration receiving unit 210 receives the transaction registration information including the money amount information from the merchant terminal 300.

According to an embodiment of the present invention, the transaction registration information includes the amount information, and may further include product information and / or date information according to the method of operation, or may further include at least one merchant related information. Meanwhile, the transaction registration information may further include a separately allocated unique code according to the embodiment, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, the transaction registration receiving unit 210 receives information (for example, merchant-related information and / or unique code, etc.) included in the transaction registration information, (For example, merchant-related information and / or unique code) registered in the merchant terminal 300 and transmits the transaction registration information to the merchant operating the merchant terminal 300, .

The merchant terminal 300 operated by an affiliated store having the wireless device 360 uniquely identifies a merchant having the wireless device 360 separately and at the same time stores a specific transaction corresponding to the transaction registration information for at least a certain period of time The OTID receiving unit 215 receives the OTID from the franchise-side terminal 300 when the generated OTID is generated.

The authentication code generation unit 220 dynamically generates a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined time through the OTID. Preferably, the authentication code generating unit 220 generates the transaction registration information (or the specific registration information) unique to the OTID for a predetermined time according to at least one of the first to sixth authentication code embodiments of the present invention. Transaction) in order to authenticate the validity of the transaction.

When the transaction registration information is received through the transaction registration receiving unit 210 and the OTID is received through the OTID receiving unit 215 and the disposable authentication code is dynamically generated through the authentication code generating unit 220, The registration management unit 225 receives the transaction registration information (or at least some transaction registration information including the amount information) received through the transaction registration receiving unit 210, the OTID received through the OTID receiving unit 215, The disposable authentication code generated through the code generation unit 220 is linked and stored in a designated storage medium and managed. Preferably, the OTID and the disposable authentication code include valid time valid for a predetermined time, and the transaction registration management unit 225 maintains the OTID and the disposable authentication code during the valid time (or for a designated time longer than the valid time) It is preferable to store and manage it on a designated storage medium.

The registration result providing unit 230 configures the registration result information including the OTID associated with the transaction registration information and the disposable authentication code, and transmits the registration result information to the merchant terminal 300, which registers the transaction registration information and the OTID, And the franchise-point-side terminal 300 receives the registration result information. Preferably, the registration result information may include an OTID associated with the transaction registration information.

The merchant terminal 300 receiving the OTID and the disposable authentication code through the registration result information transmits the OTID and the disposable authentication code to the merchant terminal 300 through the merchant point wireless device 360 associated with the merchant terminal 300 within the valid time of the OTID And processes the radio signal including the authentication code to be transmitted.

The wireless signal transmitted through the merchant-side wireless device 360 is received by the user wireless terminal 400 through at least one of the first through fourth operational application embodiments of the present invention, ). ≪ / RTI > Preferably, the wireless signal transmitted through the merchant-side wireless device 360 may be received by one or more wireless terminals existing within a certain distance of the wireless device 360, The user wireless terminal 400 executing the operating app 420 can read the received wireless signal through the operating app 420 and recognize the OTID and the disposable authentication code included in the wireless signal. When the operating application 420 is executed in the user wireless terminal 400, the operating app 420 of the user wireless terminal 400 requests the wireless device 360 to send the wireless signal to the nearby wireless device 360 If the wireless device 360 transmits a wireless signal including the OTID and the disposable authentication code based on the request signal, the operating app 420 of the user wireless terminal 400 transmits the wireless signal including the wireless The wireless signal received from the device 360 may be read to recognize the OTID and the disposable authentication code. Meanwhile, the wireless device 360 may control the signal strength so that the wireless signal can effectively reach a predetermined distance or less, and transmit the signal to the user wireless terminal 400, which receives the wireless signal, 420 is installed, the operating app 420 of the user wireless terminal 400 can be driven (or activated) by receiving the wireless signal to recognize the OTID and the disposable authentication code included in the wireless signal.

The operating app 420 of the user wireless terminal 400 may read the wireless signal and transmit the recognition information including the OTID and the disposable authentication code to the designated operation server 200 within the effective time of the recognized OTID.

Referring to FIG. 2, the operation server 200 receives the radio signal transmitted from the franchise point wireless device 360 provided at the franchisee within the valid time of the OTID, A recognition information receiving unit 235 for receiving the identification information including the recognized OTID by reading the radio signal from the designated operating app 420 and reading out the received OTID to send the merchant visited by the user to the radio device 360. [ An identification / authentication processing unit (240) for identifying and authenticating the merchant with the merchant terminal (300) that is identified by the OTID among the transaction registration information registered through the merchant terminal (300) And a transaction amount corresponding to the amount information of the transaction registration information to the operating app 420 of the user wireless terminal 400 when the transaction registration information is confirmed And a transaction information providing unit 250 for providing transaction information. The transaction information providing unit 250 checks the settlement result information for the settlement processing of the transaction amount in cooperation with the specified settlement system, and processes the settlement result information as the settlement result of the registered transaction registration information And a result processing unit 260. When the settlement of the transaction amount is performed via the operation server 200, the operation application 420 of the user wireless terminal 400 and the transaction amount And a settlement procedure processing unit 255 for processing the settlement procedure to be performed.

When the operating application 420 of the user wireless terminal 400 reads the wireless signal and constructs recognition information including the recognized OTID and the disposable authentication code, the recognition information receiving unit 235 transmits the identification information including the OTID and the disposable authentication code, And receives the recognition information including the OTID and the disposable authentication code from the operating app 420 of the server 400.

The identification / authentication processing unit 240 reads the OTID included in the recognition information and reads the inherent code hidden in the OTID. Preferably, the identification / authentication processing unit 240 reads the OTID through the decoding rule corresponding to the encoding rule for generating the OTID, and reads the unique code concealed in the OTID. For example, if the OTID is generated through at least one of the first through sixth OTID generation embodiments of the present invention, the identification / authentication processing unit 240 may be configured to perform the first to sixth OTID generation examples The OTID may be read according to a decoding rule corresponding to at least one of the OTIDs, and the inherent code hidden in the OTID may be read.

According to the embodiment of the present invention, the identification / authentication processing unit 240 reads a code code of the unique code read from the OTID and separately codes a unique identifier of a franchisee, .

According to the embodiment of the present invention, the identification / authentication processing unit 240 identifies a unique code read from the OTID, identifies a storage medium storing the unique code registered through the information storage unit 205, The inherent code of the storage medium is inquired through the inherent code read from the OTID to confirm whether the inherent code read from the OTID actually is a unique code that uniquely identifies a franchisee having the wireless device 360, 360, and identifies the franchisee corresponding to the unique code read out from the OTID and that the wireless device 360 is provided at the identified franchisee.

According to an embodiment of the present invention, the identification / authentication processing unit 240 identifies a unique code read from the OTID and stores the unique code registered through the information storage unit 205 in association with merchant-related information (Or merchant-related information associated with the unique code) of the storage medium through the unique code read from the OTID, and confirms the merchant-related information corresponding to the unique code read from the OTID , It is possible to identify a franchisee corresponding to a unique code read out from the OTID among the franchisees having the wireless device 360 and to certify that the wireless device 360 is provided at the identified franchisee.

When the franchisee corresponding to the OTID (or the franchisee corresponding to the unique code read out from the OTID) among the franchisees having the wireless device 360 is identified and authenticated, the transaction registration confirmation unit 245 identifies the affiliated franchisee And identifies any transaction registration information that is uniquely identified through the OTID among the transaction registration information registered through the merchant terminal (300).

According to the embodiment of the present invention, the transaction registration information registered from the merchant terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined period of time, It is preferable that the registration information is any one of the transaction registration information, and the transaction registration confirmation unit 245 identifies transaction registration information registered from the merchant terminal 300 operated by the identified and authenticated merchant through the OTID It is possible to identify a transaction registration information that is unique and unique during the transaction.

If any transaction registration information uniquely identified for a certain period of time is confirmed through the OTID from among at least one transaction registration information registered through the merchant terminal 300 operated by the merchant that is identified by the OTID, / Authentication processing unit 240 confirms the disposable authentication code stored in association with the OTID and / or stored in association with the transaction registration information through the transaction registration management unit 225, and transmits the authentication code included in the identification information, By comparing and authenticating the stored authentication codes, the validity of any one specific transaction registration information (or a specific transaction) identified through the OTID can be authenticated.

A transaction registration information which is uniquely identified for a predetermined period of time is confirmed through the OTID from among one or more transaction registration information registered through the merchant terminal 300 which is operated by a franchisee that is uniquely identified through the OTID, When the validity of the transaction registration information is authenticated, the transaction information providing unit 250 confirms the amount information of the confirmed transaction registration information and performs reverse payment through the user wireless terminal 400 based on the amount information Check / calculate transaction amount. Preferably, the transaction information providing unit 250 can check / calculate a transaction amount to be reverse-paid through at least one embodiment among the first to fourth transaction amount embodiments of the present invention.

When the transaction amount to be reverse-paid is confirmed / calculated, the transaction information providing unit 250 may include at least one piece of information included in the transaction registration information (for example, (For example, at least one of information, time information, merchant registration information, merchant information, and terminal information) and / or information on merchant stores registered through the information storage unit 205 , And terminal information) included in the transaction information. The transaction information providing unit 250 transmits the configured transaction information to the operating app 420 of the user wireless terminal 400. Meanwhile, the transaction information providing unit 250 may store and manage the OTID and the transaction information for a predetermined period of time.

The operating application 420 of the user wireless terminal 400 receives the transaction information including the transaction amount, outputs the transaction information through the designated interface screen on the application screen, . Upon determining the payment transaction of the transaction information, the operational application 420 may provide a payment interface corresponding to at least one embodiment (or at least a partial combination of two or more embodiments) of the first through third payment procedure embodiments of the present invention (For example, a set of pieces of information necessary for settlement among the pieces of settlement information of the transaction information) for settlement of the transaction amount (however, when the transaction information is directly used as the settlement information, the transaction information displayed on the interface screen is used (Or at least a partial combination of two or more embodiments) of the first to third payment procedure embodiments of the present invention, and can perform the terminal side payment procedure for payment processing of the transaction amount And a payment server (100) of a specified billing system linked to the operating app (420) via a designated path, Payment may be approved.

Meanwhile, when a settlement procedure for processing settlement of the transaction amount is processed through a route via the operation server 200, the settlement procedure processing unit 255 transmits the operation application 420 of the user wireless terminal 400 Side settlement procedure performed through the settlement server 100 of the specified settlement system and the settlement procedure of the transaction amount may be performed in cooperation with the settlement server 200. The settlement result processing unit 260 may process The settlement processing unit 255 can confirm the settlement result information including the settlement result of the transaction amount in connection with the process of linking the settlement procedure.

Meanwhile, when the settlement process of the transaction amount is performed via the designated relay server, the settlement result processing unit 260 receives settlement of the transaction amount from at least one of the relay server, the payment server 100, And payment result information including the result can be provided. The payment transaction processing unit 260 may transmit the transaction amount of at least one of the payment server 100 and the operation app 420 to the payment server 100, The payment result information including the settlement result of the transaction amount can be provided from one. The settlement result processing unit 260 may provide the settlement result information to the designated merchant terminal 300 and the merchant terminal 300 may receive and output the settlement result information.

FIG. 3 is a diagram showing a functional configuration of a franchisee-side terminal and a wireless device according to an embodiment of the present invention.

More specifically, FIG. 3 illustrates a functional configuration of a franchise-point-side terminal 300 operated by a franchisee having a wireless device 360 and a wireless device 360 provided at the franchisee. It is possible to refer to and / or modify the FIG. 3 to various methods of functional configuration of the merchant-side terminal 300 and the wireless device 360 (e.g., It is to be understood that the invention is not limited to the particular embodiments illustrated and described herein, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.

3, the merchant terminal 300 includes a terminal control unit 302, a terminal memory 314, an output processing unit 304, an input processing unit 306, a media interlocking unit 308, An interface unit 310, and a communication processing unit 312, and has a power supply unit (not shown) for power supply.

The terminal control unit 302 is a generic term for controlling the operation of the affiliate shop terminal 300. The terminal control unit 302 includes at least one processor and an execution memory, (BUS). According to the present invention, the terminal control unit 302 loads at least one program code included in the terminal 300 into the execution memory through the processor, and outputs the result through at least one configuration And controls the operation of the terminal 300. FIG. Hereinafter, the functional configuration of the merchant application 320 implemented in the form of program code will be described in the terminal control unit 302 for convenience.

When the merchant terminal 300 is a merchant terminal provided at an affiliated store for a designated payment (for example, forward payment) according to an embodiment of the present invention, the merchant terminal may include a merchant payment unit (315), and the present invention is not limited thereto.

The terminal memory 314 is a general term of a nonvolatile memory included in the terminal, and stores at least one program code executed through the terminal control unit 302 and at least one data set used by the program code, do. The terminal memory 314 basically includes a system program code and a system data set corresponding to the operating system of the terminal, a communication program code and a communication data set for processing a wireless communication connection of the terminal, at least one application program code, And the program code and data set corresponding to the program of the present invention are also stored in the terminal memory 314.

The output processing unit 304 includes a screen output device (e.g., a liquid crystal display (LCD) or the like) and a driving module for driving the output outputting unit 304. The output processing unit 304 is connected to the terminal control unit 302, And outputs an operation result corresponding to the screen output through the screen output device.

The input processing unit 306 includes at least one user input device (e.g., a button, a keypad, a touch pad, a touch screen interlocked with the output processing unit 304) and a driving module for driving the input unit. Or inputs data necessary for the operation of the terminal control unit 302. The terminal control unit 302 is connected to the terminal control unit 302 via a network.

The media interlocking unit 308 is a collective term for a component that interlocks with a media designated for payment (e.g., forward payment) through the merchant payment unit 315. [ For example, the media interlocking unit 308 may include a card reader unit for reading card information for card settlement to be processed through the merchant payment unit 315 from a card of a customer who visited the merchant. Alternatively, the media interworking unit 308 may include an NFC function unit for reading media information for payment to be processed through the merchant payment unit 315 from the NFC medium owned by the customer. In other words, the media interlocking unit 308 may be any unit provided for interlocking with the media required for settlement processing through the merchant payment unit 315, and is not limited by a specific medium or an interlocking system .

The interface unit 310 is connected to the affiliated store-side wireless device 360 provided at the affiliated store with at least one specified local area communication (e.g., at least one of Bluetooth, WiFi, NFC and RF communication or USB, RS232, Wired communication, etc.). Preferably, the franchise-point-side terminal 300 may interwork with the wireless device 360 provided at the franchisee through the interface unit 310.

The communication processing unit 312 is a collective term for the franchise point side terminal 300 to connect to the designated communication network and connects the franchise point side terminal 300 to a designated wired communication network and / To a designated wireless communication network.

The merchant terminal 300 installs a designated merchant's app 320 for reverse payment according to the present invention and the merchant's app 320 is installed in a separate app installed on the merchant's terminal 300 Or may be realized through an application corresponding to the merchant payment unit 315. The merchant application 320 may be implemented in the form of an interlocking app that operates in conjunction with the merchant payment unit 315, The present invention is not limited thereto.

Referring to FIG. 3, the merchant application 320 of the merchant point-side terminal 300 registers at least one merchant-related information in the designated operating server 200, or stores an affiliate shop having the wireless device 360 And an information registration unit 325 for registering a unique code which is separately distinguished.

The information registering unit 325 registers at least one of the merchant registration information for the merchant having the wireless device 360, the merchant information given to the merchant for settlement, and the terminal information provided at the merchant terminal 300, Related information to the operation server 200 by requesting the operation server 200 to input the information related to the franchise to the operation server 200 and transmitting the input / May store the merchant-related information in a designated storage medium.

Meanwhile, the information registering unit 325 may request registration of a unique code that uniquely identifies a franchisee having the wireless device 360, to the designated operation server 200. In this case, Identifying the unique code corresponding to at least one of the first through fourth eighth embodiments of the present invention according to at least one of the first through sixth eighth embodiments of the present invention, The code may be processed in association with the merchant-related information and stored in a designated storage medium.

Referring to FIG. 3, the merchant application 320 of the merchant terminal 300 inputs / confirms the amount information for the reverse payment and transmits the transaction registration information including the amount information to the designated operation server 200 A transaction registering unit 330 for registering and registering transaction information, and an OTID for uniquely identifying a franchisee including the radio device 360 and uniquely identifying a specific transaction corresponding to the transaction registration information for at least a predetermined period of time An OTID registration unit 340 for transmitting the generated OTID to the designated operation server 200 and registering the created OTID to the designated operation server 200; And a registration result information receiving unit (345) for receiving the registration result information including the generated one-time authentication code for authenticating the validity of the OTID There can be further included. For convenience, the registration result information will describe the features of the present invention mainly with reference to an embodiment including both the OTID and the disposable authentication code.

The transaction registration unit 330 receives the amount information for reverse payment or confirms it according to a designated procedure, and constructs transaction registration information including the amount information to transfer it to the operation server 200 to request registration. The operation server 200 may receive the transaction registration information including the amount information and store the received transaction registration information in a designated storage medium.

The OTID generating unit 335 generates the first to sixth OTIDs of the present invention at a specified point in time before, during, and after the transaction registration unit 330 transmits the transaction registration information to the operation server 200 In accordance with at least one embodiment of the present invention, identifies a franchisee having the wireless device 360 separately and generates an OTID that uniquely identifies a specific transaction corresponding to the transaction registration information uniquely for a predetermined period of time . Preferably, the OTID may be generated in a disposable manner to hide the designated unique code so that it can be read only through a predetermined specific device / server, and at the same time to have a different code value for each transaction corresponding to the transaction registration information.

According to the embodiment of the present invention, the OTID generator 335 identifies a unique code that uniquely identifies a merchant having the wireless device 360 separately, and reads the unique code only through a specified specific device / server The OTID of the designated code system generated in a disposable manner having different code values for each transaction corresponding to the transaction registration information can be generated. Preferably, the OTID generator 335 may generate a disposable OTID hidden from the inherent code according to at least one of the first through sixth OTID generation embodiments of the present invention, Not only uniqueness that identifies a particular object, identification that identifies a particular object, one-off that identifies a particular transaction for a period of time, etc., as well as multiple identities that simultaneously identify a particular transaction with a merchant with the wireless device 360, .

Meanwhile, according to another embodiment of the present invention, the OTID generator 335 determines a temporary unique code that is not duplicated for a predetermined time without the unique code, and transmits the temporary unique code to the wireless device 360 ), And at the same time, an OTID in the form of a code value that uniquely identifies a specific transaction corresponding to the transaction registration information at least for a predetermined period of time can be generated, so that the present invention is not limited thereto .

When the OTID is generated through the OTID generation unit 335, the OTID registration unit 340 transmits the generated OTID to the designated operation server 200 and requests registration. In order to authenticate the validity of transaction registration information (or a specific transaction) uniquely identified for a certain period of time through the OTID, the operation server 200 transmits at least one of the first through sixth authentication code embodiments To generate the disposable authentication code dynamically. The operation server 200 may store the transaction registration information, the OTID, and the disposable authentication code in association with each other, and may provide the registration result information including the OTID and the disposable authentication code to the merchant terminal 300, The registration result receiving unit 345 receives the registration result information including the OTID and the disposable authentication code from the operation server 200. [

Referring to FIG. 3, the merchant application 320 of the merchant-point-side terminal 300 receives the OTID and the disposable authentication code through the merchant-side wireless device 360 connected through the interface unit 310 And a signal transmission processing unit 350 for processing the radio signal to be transmitted to a short distance.

The signal transmission processing unit 350 checks the OTID and the disposable authentication code received through the registration result receiving unit 345 and transmits the disposable authentication code to the merchant wireless device 360 connected through the interface unit 310 within the valid time of the OTID ) To provide a wireless signal including the OTID and the disposable authentication code via the wireless device 360 to be transmitted in a short distance.

Referring to FIG. 3, the merchant point wireless device 360 includes a device control unit 362, a device memory 366, a terminal interlocking unit 364, and a wireless signal unit 368.

The device control unit 362 is a collective term for controlling the operation of the affiliate shop-side wireless device 360. The device control unit 362 includes at least one processor and an execution memory, And the bus (BUS). According to the present invention, the device control unit 362 loads at least one program code included in the wireless device 360 through the processor and loads the program code into the execution memory, and outputs the result through at least one And controls the operation of the wireless device 360. FIG. Hereinafter, the functional configuration of the present invention implemented in the form of a control circuit, an integrated circuit, and a program code in the wireless device 360 will be described in the device control unit 362 for convenience.

The device memory 366 is a generic term for a non-volatile memory included in the wireless device 360 and includes at least one program code executed via the device control 362 and at least one data set And stores it. The device memory 366 basically comprises a system program code and a system data set corresponding to the operating system of the wireless device 360, a communication program code and communication data set for processing a wireless communication connection of the wireless device 360, One application code and one application data set are stored, and the program code and data set corresponding to the program of the present invention are also stored in the device memory 366.

The terminal interlocking unit 364 is connected to the affiliated shop terminal 300 provided at the affiliated store with at least one specified local area communication (for example, at least one of Bluetooth, WiFi, NFC, and RF communication or USB, RS232, Wired communication, etc.). The franchise point wireless device 360 may interwork with the franchise point-side terminal 300 provided at the franchisee through the terminal interlocking unit 364.

The wireless signal unit 368 is a collective term for transmitting (or broadcasting) a wireless signal of a specified wireless signal standard that can be received through the short range wireless unit 410 provided in the user wireless terminal 400, And a function of receiving a designated radio signal in addition to the function of transmitting (or broadcasting). The wireless signal unit 368 modulates the information set generated through the device control unit 362 into a wireless signal of a designated wireless signal standard and transmits the wireless signal to the wireless signal unit 368 at a predetermined signal intensity (for example, Signal strength, etc.) through an antenna (not shown). Alternatively, the radio signal unit 368 may receive the radio signal of the specified radio signal standard and transmit the acquired data to the device control unit 362. The device control unit 362 may process the information corresponding to the data Procedure can be performed.

According to the method of the present invention, the wireless signal unit 368 can transmit a Bluetooth-based asynchronous wireless signal (for example, a wireless signal broadcasted without specifying the receiving side (or without pairing) in the specification after the Bluetooth 4.0) have. Or the wireless signal unit 368 may transmit a Wi-Fi based asynchronous wireless signal. Alternatively, the wireless signal unit 368 may transmit a wireless signal of a NFC (Near Field Communication) standard. In this case, the wireless device 360 may operate in any one of a reader / writer mode, a tag mode, have. Alternatively, the wireless signal unit 368 can transmit a radio signal of a RFID standard. That is, the radio signal unit 368 is a component that receives (or broadcasts) a recognizable radio signal through a radio signal-related component provided in a user wireless terminal 400 located at a nearby location, The present invention should not be construed as limiting the scope of the present invention to the components for transmitting radio signals of a specific radio signal standard.

Referring to FIG. 3, the merchant-side wireless device 360 includes an information checking unit 370 for checking an OTID to be transmitted through a radio signal of a designated radio signal standard, And a signal transmission unit 380 for transmitting a radio signal including the transmission information configured through the radio signal unit 368. [

The information verification unit 370 checks the OTID and the disposable authentication code to be transmitted through the wireless signal in cooperation with the merchant terminal 300 through the terminal interlocking unit 364. [

The information configuring unit 375 composes transmission information including the identified OTID and the disposable authentication code in a designated information structure readable by the operating app 420 of the user wireless terminal 400. [

When the transmission information including the OTID and the disposable authentication code is configured through the information configuration unit 375, the signal transmission unit 380 transmits the designated radio signal including the transmission information through the radio signal unit 368 (E.g., a signal strength that can be received through the wireless terminal 400 within a specified distance), and the wireless signal unit 368 is configured to transmit the wireless signal to the signal transmitting unit 380 of the wireless communication apparatus 100. The wireless signal of the designated wireless signal standard including the transmission information provided by the wireless communication apparatuses 380,

Meanwhile, according to one embodiment of the present invention, the operating application 420 executed in the user wireless terminal 400 can transmit a request signal for requesting the wireless signal, and the wireless signal unit 368 transmits the request And provides the data obtained by demodulating and receiving the signal to the device control unit 362. The device control unit 362 controls the information checking unit 370 to check the OTID and the disposable authentication code in accordance with the request signal And / or controls to configure the transmission information including the OTID and the disposable authentication code via the information organization unit 375, and / or controls the transmission / reception unit 380 to transmit, via the signal transmission unit 380, The radio signal corresponding to the request signal may be transmitted by controlling the transmission of the signal so that the present invention is not limited thereto.

FIG. 4 is a diagram illustrating an application-related function configuration of a user wireless terminal according to an embodiment of the present invention.

4 illustrates a functional configuration of the operational application 420 installed in the user wireless terminal 400 and a configuration of the wireless terminal 400. The functional configuration of the wireless terminal 400 is shown in FIG. It will be appreciated that the various embodiments of the functionality of the wireless terminal 400 may be referred to and / or modified by reference to FIG. 4. However, the present invention includes all of the above- The technical characteristics are not limited only by the method shown in FIG. Preferably, the wireless terminal 400 of FIG. 4 may include at least one of various smart phones capable of wireless communication, various tablet PCs, various PDAs, and various mobile phones.

4, the wireless terminal 400 includes a control unit 402, a memory unit 418, a screen output unit 404, a user input unit 406, a sound processing unit 408, a short range wireless unit 410, A short-range network communication unit 412, a wireless network communication unit 414, a USIM reader unit 416, and a USIM, and has a battery for power supply.

The control unit 402 is a general term for controlling the operation of the wireless terminal 400. The control unit 402 includes at least one processor and an execution memory, BUS). According to the present invention, the control unit 402 loads at least one program code included in the wireless terminal 400 through the processor and performs the calculation by loading at least one program code in the execution memory, And controls the operation of the wireless terminal 400. FIG. Hereinafter, the functional configuration of the operating app 420 implemented in the form of program code will be described in the control unit 402 for convenience.

The memory unit 418 is a general term of a nonvolatile memory corresponding to a storage resource of the wireless terminal 400 and includes at least one program code executed through the control unit 402 and at least one Save and maintain the dataset. The memory unit 418 basically includes a system program code and a system data set corresponding to the operating system of the wireless terminal 400, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal 400, One application program code and application data set are stored, and the program code and data set corresponding to the program of the present invention are also stored in the memory unit 418.

The screen output unit 404 includes a screen output unit (e.g., a liquid crystal display (LCD) or the like) and a driving module for driving the screen output unit 404. The screen output unit 404 interlocks with the control unit 402, And outputs an operation result corresponding to the output to the screen output device.

The user input unit 406 includes at least one user input device (e.g., a button, a keypad, a touch pad, a touch screen or the like linked with the screen output unit 404), and a drive module for driving the touch screen. And inputs a command for instructing various operations of the control unit 402 or data necessary for the operation of the control unit 402. [

The sound processing unit 408 includes a speaker, a microphone, and a drive module for driving the sound processor 408. The sound processing unit 408 decodes sound data corresponding to a sound output among various calculation results of the controller 402 and outputs the sound data through the speaker Or a sound signal input through the microphone, and transmits the encoded sound signal to the controller 402. [

The short range wireless unit 410 receives a radio signal transmitted (or broadcast) in accordance with a radio signal standard specified in a short distance within a predetermined distance from the constituent units provided in the wireless terminal 400, , And preferably includes a function of receiving a radio signal transmitted according to a radio signal standard designated by the affiliate shop-side radio device 360.

According to an embodiment of the present invention, the short range wireless unit 410 may receive a Bluetooth-based asynchronous wireless signal (for example, a Bluetooth signal that is broadcasted without specifying a receiver side Section. In this case, in addition to the function of receiving the Bluetooth-based asynchronous radio signal, the Bluetooth unit may provide a function of transmitting a Bluetooth-based asynchronous radio signal or a function of performing a Bluetooth-based two-way radio communication, Or more. If the local area network communication unit 412 operates based on the Bluetooth communication, the local area wireless unit 410 may be integrated into the local area network communication unit 412 or may be the local area network communication unit 412.

According to an embodiment of the present invention, the short range wireless unit 410 may include a Wi-Fi unit for transmitting a Wi-Fi based asynchronous wireless signal. In this case, the Wi-Fi unit may provide a Wi-Fi based asynchronous wireless signal transmission function or a Wi-Fi based bidirectional wireless communication function in addition to the function of receiving the Wi-Fi based asynchronous wireless signal. Or more. Meanwhile, when the local area network communication unit 412 operates based on Wi-Fi, the local area wireless unit 410 may be integrated into the local area network communication unit 412 or may be the local area network communication unit 412.

According to an embodiment of the present invention, the short range wireless unit 410 may include an NFC unit that transmits and receives a wireless signal of a NFC (Near Field Communication) standard. In this case, the NFC unit may operate in any one of a reader / writer mode, a tag mode, and a passive mode.

According to an embodiment of the present invention, the short range wireless unit 410 may include a reader unit for transmitting a radio signal of a RFID standard. In this case, the wireless device 360 may operate as a tag. In other words, the short range wireless unit 410 can be any component that can effectively receive the wireless signal transmitted from the affiliate shop-side wireless device 360, and the wireless communication unit 410 belongs to the right scope of the present invention. The present invention is not limited to receiving components.

The wireless network communication unit 414 and the local area network communication unit 412 are collectively referred to as communication resources for connecting the wireless terminal 400 to a designated communication network. Preferably, the wireless terminal 400 may include a wireless network communication unit 414 as a basic communication resource, and may include one or more short-range network communication units 412.

The wireless network communication unit 414 is a general term of communication resources for connecting the wireless terminal 400 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, and is connected to the control unit to transmit the calculation result corresponding to the wireless communication among the various calculation results of the control unit through the wireless communication network or to receive the data through the wireless communication network and transmit the data to the control unit And performs procedures of connection, registration, communication, and handoff of the wireless communication. According to the present invention, the wireless network communication unit 414 can connect the wireless terminal 400 to a communication network including a communication channel and a data channel via an 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 414 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 the person skilled in the art, the wireless network communication unit 414 may further comprise a portable internet communication configuration 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 414. [ That is, the wireless network communication unit 414 is a general term for a configuration unit that connects 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 412 collectively refers to a communication resource that connects a communication session using a radio frequency signal within a predetermined distance (for example, 10 m) as a communication medium and connects the wireless terminal 400 to the communication network based on the communication session. , The wireless terminal 400 may be connected to the communication network through at least one of Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB. According to the embodiment of the present invention, the short-range network communication unit 412 may be integrated with or separated from the wireless network communication unit 414. According to the present invention, the short-range network communication unit 412 connects the wireless terminal 400 to a data network providing packet-based short-range wireless data communication through a wireless AP.

The USIM reader unit 416 is a generic term of a configuration for exchanging at least one data set with a universal subscriber identity module mounted or detached from the mobile station 400 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 conforming to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader 416, a program code for at least one IC chip (Or processing) the program code for the IC chip or extracts (or processes) the data set in accordance with at least one command transmitted from the wireless terminal 400 in connection with the input / output interface To the input / output interface.

The control unit of the wireless terminal 400 can download and install the designated operating application 420 from a designated application providing server (e.g., Apple's App Store, etc.) through a data network connectable through the communication resource.

4, the operating app 420 of the wireless terminal 400 includes a signal check unit 425 for checking a wireless signal received from the affiliate point wireless device 360 via the short range wireless unit 410, A signal recognition unit 430 for recognizing the OTID and the disposable authentication code included in the wireless signal received from the franchise point wireless device 360 and the identification information including the OTID recognized through the wireless signal, An identification information transmitting unit 435 for transmitting the identification information to the designated operation server 200 and an OTID from the operation server 200 to identify a franchisee visited by the user as a franchisee having the wireless device 360 If the transaction server 200 confirms any transaction registration information uniquely identified through the OTID among the transaction registration information registered through the merchant terminal 300 identified and authenticated, Correspond Transaction transaction information receiving unit 440 for receiving the transaction information, including, and includes a payment processing unit 445 for processing to be done by a billing procedure for processing of the payment transaction using the specified payment method, the user.

The signal confirming unit 425 receives the radio signal transmitted from the affiliate shop wireless device 360 via the short range wireless unit 410 through at least one of the first to fourth operational app operation embodiments of the present invention. Is received. If the wireless signal transmitted from the merchant wireless device 360 is received, the signal recognizer 430 reads the data corresponding to the wireless signal confirmed through the signal checker 425, And recognizes the OTID and the disposable authentication code included in.

When the OTID and the disposable authentication code included in the wireless signal are recognized through the signal recognition unit 430, the recognition information transmission unit 435 transmits the recognition information including the OTID recognized through the wireless signal and the disposable authentication code And transmits the configured identification information to the specified operation server 200 via the communication network connected through the communication unit of the short distance network communication unit 412 and the wireless network communication unit 414.

The operation server 200 receives the identification information including the OTID and the disposable authentication code from the operating application 420 of the user wireless terminal 400, reads the OTID included in the identification information, And can identify and authenticate a franchisee corresponding to the read unique code among the franchisees having the wireless device 360 by using the read unique code.

When the franchise corresponding to the read unique code is identified and authenticated, the operation server 200 determines whether the franchise corresponding to the read unique code is registered in the transaction registration information registered from the affiliate shop terminal 300 operated by the identified and authenticated merchant through the OTID Lt; RTI ID = 0.0 > unique < / RTI > The operation server 200 dynamically generates a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined time through the OTID. The operation server 200 includes the transaction amount determined / calculated based on the amount information of the transaction registration information through the first through fourth transaction amount embodiments of the present invention and includes the transaction registration information And / or configures transaction information further including merchant-related information registered in the operation server 200, and transmits the transaction information to the operating app 420 of the user wireless terminal 400 . The transaction information receiving unit 440 receives the transaction information including the transaction amount corresponding to the amount information of the transaction registration information from the operation server 200 and outputs the transaction information through the designated interface screen on the application screen .

The settlement processing unit 445 confirms that the settlement of the transaction information including the transaction amount is determined through the interface screen. If it is determined to process the settlement of the transaction information, the settlement processing unit 445 performs settlement of the transaction amount (For example, transaction information or some information necessary for payment processing among the transaction information), performs a terminal-side payment procedure provided in the operational application 420, and at the same time, The settlement server 100 can process payment for the transaction amount through the user settlement means available in the operating app 420. [

The payment processing unit 445 of the user wireless terminal 400 transmits the payment information including the transaction amount (for example, payment information) to the user through the payment interface based on the payment processing determination, , The transaction information or some information required for payment among the transaction information), performs the terminal-side payment procedure provided in the payment processing unit 445, and synchronizes with the payment server 100 of the specified payment system via the designated path The user can process payment for the transaction amount through the user payment means available in the operating app 420 (e.g., card information registered on the server side, account information, etc.).

The settlement processing unit 445 performs a settlement procedure on the terminal side for interlocking with the designated settlement server 100 via a designated route, The payment server 100 of the specified billing system is connected to the billing server 100 of the specified billing system via a specified relay server (for example, a PG server, a relay server of the settlement provider associated with the settlement processing unit 445, The payment processing unit 445 can directly link with the payment server 100 of the designated payment system (for example, a module linked with the payment server 100 of the payment system specified in the application) And the like).

According to the first settlement procedure embodiment of the present invention, the settlement processing unit 445 may perform the terminal-side settlement procedure specified in the app to process the settlement of the transaction amount in conjunction with the operation server 200, Side billing procedure associated with the terminal-side settlement procedure to the payment server 100 of the specified billing system in conjunction with the operation server 200 while performing the designated-terminal-side settlement procedure. Preferably, the payment server 100 may process payment approval for the transaction amount through the user payment means identified by combining the terminal-side payment procedure and the server-side payment procedure, The terminal side settlement procedure performed through the settlement processing unit 445 and the server-side settlement procedure of the settlement server 100 may be interlocked so that settlement of the transaction amount is approved.

According to the second settlement procedure embodiment of the present invention, the settlement processor 445 can operate in conjunction with a specified relay server (e.g., a PG server, a settlement provider server associated with the settlement processor 445, etc.) The payment server can perform the settlement procedure specified in the app to process the settlement of the transaction amount in cooperation with the relay server, 100) to request a server-side settlement procedure associated with the terminal-side settlement procedure. Preferably, the payment server 100 may process payment approval for the transaction amount through the user payment means identified by combining the terminal-side payment procedure and the server-side payment procedure, 445) and the server-side settlement procedure of the settlement server 100 in order to approve settlement of the transaction amount.

According to the third payment procedure embodiment of the present invention, the settlement processing unit 445 can directly interlock with the settlement server 100 of the specified settlement system, and in cooperation with the settlement server 100, Side payment procedure in the application and perform processing to request the server-side payment procedure associated with the terminal-side payment procedure to the payment server 100 while performing the specified-terminal-side payment procedure . Preferably, the payment server 100 may process payment approval for the transaction amount through the user payment means identified by combining the terminal-side payment procedure and the server-side payment procedure.

When the server side payment process for the transaction amount is completed through the payment server 100, the payment processing unit 445 transmits the payment result information including the payment result of the transaction amount And can output it.

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

More specifically, FIG. 5 shows an embodiment of an information registration process for reverse payment using a wireless device 360 provided at an affiliate shop. It should be understood by those skilled in the art that, It is possible to refer to and / or modify FIG. 5 to derive various implementations of the information registration process (e.g., omitting some steps or changing the order), but the present invention is not limited to all of the above- And the technical features thereof are not limited only by the method shown in FIG.

5, an affiliate shop terminal 300 operated by an affiliated store having a wireless device 360 for transmitting a designated wireless signal stores merchant registration information for the affiliated store to the designated operation server 200, (500), the operation server (200) requests registration of at least one merchant-related information among the merchant information provided from the merchant-side terminal (300) The merchant-related information may be received and stored in a designated storage medium (505). According to an embodiment of the present invention, the merchant-related information may be registered through a separate operating terminal associated with the operating server 200, and thus the present invention is not limited thereto.

Meanwhile, the merchant terminal 300 of the merchant having the wireless device 360 requests the designated operating server 200 to register a unique code that uniquely identifies the merchant having the wireless device 360 (510) , The operating server 200 may be configured to perform at least one of the first to sixth inherent code checking embodiments corresponding to at least one of the first to fourth inherent code embodiments of the present invention in accordance with at least one of the first to sixth inherent code checking embodiments of the present invention The unique code is checked (515). If the unique code is confirmed, the operation server 200 processes the identified unique code in association with the merchant-related information and stores the unique code in a designated storage medium (520).

6 is a diagram illustrating a process of registering a transaction or transmitting a reverse OTID according to an embodiment of the present invention.

In more detail, FIG. 6 shows a case where a merchant terminal 300 operated by a merchant having a wireless device 360 requests transaction registration information including amount information for reverse payment to be registered in the operation server 200, Side terminal 300 to register with the operation server 200, the operation server 200 registers the transaction registration information and the OTID in association with each other, and then transmits the OTID to the merchant wireless terminal 200 6 is a block diagram illustrating an example of a process of transmitting a reverse signal to be included in a radio signal transmitted from a device 360. Referring to FIG. 6 and / (For example, some steps may be omitted or an order change may be performed) for the transaction registration or the reverse OTID delivery process, 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.

Referring to FIG. 6, a merchant terminal 300 operated by an affiliated store having a wireless device 360 for transmitting a designated wireless signal receives amount information for reverse payment using the wireless device 360, (600), and transmits the transaction registration information including the amount information to the operation server 200 (605). According to an embodiment of the present invention, the transaction registration information may further include at least one of product information, date information, merchant-related information, and unique code in addition to the amount information.

The operation server 200 receives transaction registration information including the amount information from the merchant terminal 300 and stores the transaction registration information in operation 610. On the other hand, the merchant terminal 300 has the wireless device 360 and confirms a unique code that uniquely identifies the merchant registering the transaction registration information (615). On the other hand, in the embodiment in which the franchisee having the wireless device 360 is not provided with a unique code, the franchise-side terminal 300 can generate the OTID through the embodiment of Fig.

If the unique code identifying the franchisee that has the wireless device 360 and registered the transaction registration information is identified, the franchisee-side terminal 300 can only read the identified unique code through the specified specific device / server And identifies the merchant having the wireless device 360, and generates an OTID that uniquely identifies a specific transaction corresponding to the transaction registration information for at least a predetermined time (620). Preferably, the franchise-point-side terminal 300 uniquely identifies a franchisee having the wireless device 360 through at least one of the first through sixth OTID generation embodiments of the present invention, An OTID may be generated 620 that uniquely identifies a particular transaction corresponding to the information for at least a certain period of time.

If the OTID is generated, the merchant terminal 300 requests the OTID registration to the operation server 200 (625), and the operation server 200 receives the OTID from the merchant terminal 300 (630).

Meanwhile, the operation server 200 dynamically generates a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified for a predetermined time through the OTID (635). Preferably, the operation server 200 can obtain transaction registration information (or a specific transaction) uniquely identified for a predetermined time through the OTID through at least one embodiment of the first through sixth authentication code embodiments of the present invention, (635) a disposable authentication code for authenticating the validity of the < / RTI >

If the OTID and the disposable authentication code are generated, the operation server 200 stores the transaction registration information, the OTID, and the disposable authentication code in a designated storage medium (640), and transmits the OTID and the disposable authentication code to the merchant terminal 300 Registration result information including the OTID and the disposable authentication code is transmitted (645).

The merchant terminal 300 receives the registration result information including the OTID and the disposable authentication code from the operation server 200 and transmits the registration result information to the merchant wireless device 360 (655), the merchant wireless device (360) confirms the OTID and the disposable authentication code to be transmitted through the designated wireless signal (660), and transmits the OTID and the disposable authentication code to the merchant wireless device (360) (665) the sending information including the OTID and the disposable authentication code in a specified structure (for example, a structure recognizable by the operating app 420 of the user wireless terminal 400) And transmits the wireless signal including the transmission information through a signal (670). The wireless signal transmitted from the wireless device (360) is received by the user wireless terminal (400) in the vicinity.

7 is a diagram illustrating a transaction registration process or a reverse OTID transfer process according to another embodiment of the present invention.

In more detail, FIG. 7 is a flowchart illustrating a process of requesting registration of transaction registration information including amount information for reverse payment from the merchant terminal 300 operated by an affiliated store having a wireless device 360 to the operation server 200, Side wireless device 360 transmits the OTID to the operation server 200 after registering the transaction registration information and the OTID in the operational server 200 in association with the OTID and transmitting the OTID from the merchant- The present invention is not limited to the above embodiments and can be modified and / or modified according to the present invention so that the transaction registration or the reverse OTID It will be appreciated that various implementations of the propagation process may be inferred (e.g., some steps omitted, or alternate implementations) Is made, including a method, to which the technical feature that is not limited to the exemplary method shown in the figure 7.

Referring to FIG. 7, a merchant terminal 300 operated by an affiliated store having a wireless device 360 for transmitting a designated wireless signal receives amount information for reverse payment using the wireless device 360, (700), and transmits the transaction registration information including the amount information to the operation server 200 (705). According to an embodiment of the present invention, the transaction registration information may further include at least one of merchandise information, date information, and merchant information.

The operation server 200 receives transaction registration information including the money amount information from the merchant terminal 300 and stores the transaction registration information in operation 710. On the other hand, the merchant terminal 300 includes the wireless device 360 and uniquely identifies a merchant registering the transaction registration information, and uniquely identifies a specific transaction corresponding to the transaction registration information for at least a predetermined period of time OTID is generated (715). Preferably, the franchise-point-side terminal 300 separately identifies a franchisee having the wireless device 360 by including (or hiding) a temporary unique code determined not to be duplicated for a predetermined period of time, An OTID can be generated 715 that uniquely identifies the corresponding specific transaction for at least a certain period of time.

If the OTID is generated, the merchant terminal 300 requests registration of the OTID to the operation server 200 at step 720, and the operation server 200 receives the OTID from the merchant terminal 300 (725).

Meanwhile, the operation server 200 dynamically generates a disposable authentication code for authenticating the validity of transaction registration information (or a specific transaction) uniquely identified through the OTID for a predetermined time (730). Preferably, the operation server 200 can obtain transaction registration information (or a specific transaction) uniquely identified for a predetermined time through the OTID through at least one embodiment of the first through sixth authentication code embodiments of the present invention, (730) dynamically generate a disposable authentication code for authenticating the validity of the authentication certificate.

If the OTID and the disposable authentication code are generated, the operation server 200 stores the transaction registration information, the OTID, and the disposable authentication code in a designated storage medium (735), and transmits the OTID and the disposable authentication code to the merchant terminal 300 Registration result information including the OTID and the disposable authentication code is transmitted (740).

The merchant terminal 300 receives registration result information including the OTID and the disposable authentication code from the operation server 200 in operation 745 and transmits the registration result information including the OTID and the disposable authentication code to the merchant wireless device 360 connected to the merchant terminal 300 (750), the merchant wireless device (360) confirms the OTID and the disposable authentication code to be transmitted through the designated wireless signal (755), and transmits the OTID and the disposable authentication code to the merchant wireless device (760) the sending information including the OTID and the disposable authentication code in a specified structure (for example, a structure recognizable by the operating app 420 of the user wireless terminal 400) The wireless signal transmitted from the wireless device 360 is transmitted to the user wireless terminal 400 at a short distance.

FIG. 8 is a diagram illustrating a wireless signal recognition or transaction information providing process of a user wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 8 shows reception and reading of a wireless signal transmitted from the merchant-side wireless device 360 through the process of FIG. 6 or FIG. 7 in the operating app 420 of the user wireless terminal 400, And transmits identification information including the OTID and the disposable authentication code to the designated operation server 200. The operation server 200 identifies the merchant having the wireless device 360 through the OTID, And confirms any transaction registration information uniquely identified through the OTID among the transaction registration information registered in the identification and authenticated merchant and then transmits the transaction registration information to the operation app 420 of the user wireless terminal 400 And providing transaction information including a transaction amount that is confirmed / calculated based on the information. If the person skilled in the art is familiar with the present invention, It is possible to refer to and / or modify the FIG. 8 to various ways of performing the radio signal recognition or transaction information providing process (for example, omitting some steps or changing the order) And all of the above-mentioned embodiments can be deduced. The technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 8, when a wireless signal including the OTID and the disposable authentication code is transmitted from the merchant wireless device 360 through the process shown in FIG. 6 or FIG. 7, the operation of the user wireless terminal 400 The app 420 checks whether a radio signal of a designated radio signal standard transmitted through the affiliate point wireless device 360 is received through the short range wireless unit 410 of the user wireless terminal 400 in operation 800. If it is confirmed that the wireless signal of the designated wireless signal standard transmitted through the merchant wireless device 360 is received, the operating app 420 of the user wireless terminal 400 reads the received wireless signal and transmits the wireless signal to the OTID The disposable authentication code is recognized (805). Preferably, the operating app 420 of the user wireless terminal 400 is connected to the merchant's wireless device 360 via at least one of the first through fourth operational app embodiments of the present invention The wireless signal can be received and read to recognize the OTID and the disposable authentication code.

If the OTID and the disposable authentication code are recognized through the wireless signal received from the merchant wireless device 360, the operating app 420 of the user wireless terminal 400 recognizes the OTID and disposable authentication code including the OTID and the disposable authentication code And transmits the identification information including the OTID and the disposable authentication code to the operation server 200 (810).

The operation server 200 receives (815) recognition information including the OTID and the disposable authentication code, reads the OTID of the recognition information (for example, decodes it through a decoding rule corresponding to the encoding rule that generated the OTID) (Or the operating app 420) using the information registered through the process of FIG. 5 and the read unique code after reading the unique code hidden in the OTID (820) The franchisee visited by the user, i.e., the franchisee having the wireless device 360, is authenticated (825). If the temporary unique code is included in the OTID, the wireless terminal 360 reads the read temporary unique code through a temporary unique code included (or concealed) in the OTID associated with the transaction registration information registered from each merchant, The present invention is not limited to this.

Meanwhile, if the merchant having the wireless device 360 is not identified by the OTID included in the identification information, the operation server 200 notifies the operating application 420 of the user wireless terminal 400 (830) an identification / authentication error for the OTID included in the information, and the operating app 420 of the user wireless terminal 400 receives and outputs the identification / authentication error (835).

Meanwhile, if the merchant having the wireless device 360 is authenticated and authenticated through the OTID of the identification information, the operation server 200 confirms transaction registration information uniquely identified for at least a certain period of time through the OTID (840). If the transaction registration information identified through the OTID is not confirmed, the operation server 200 provides an identification / authentication error for the transaction registration information to the operational application 420 of the user wireless terminal 400 830). The operating app 420 of the user wireless terminal 400 receives and outputs the identification / authentication error (835).

On the other hand, if transaction registration information identified through the OTID is confirmed, the operation server 200 confirms the disposable authentication code associated with the transaction registration information and compares the disposable authentication code of the identification information with the disposable authentication code Authenticating the validity of the disposable authentication code (845) and authenticating the validity of the transaction registration information through the disposable authentication code. If the validity of the disposable authentication code is not authenticated, the operation server 200 provides an authentication error of the disposable authentication code to the operational application 420 of the user wireless terminal 400 (830) The operating app 420 of the terminal 400 receives and outputs the authentication error (835).

Meanwhile, when the merchant having the wireless device 360 is uniquely identified and authenticated through the OTID of the identification information, if any transaction registration information is identified and the validity of the transaction registration information is authenticated through the disposable authentication code of the identification information The operation server 200 confirms / calculates the transaction amount corresponding to the amount information of the identified / authorized transaction registration information 850 and transmits the confirmation / calculation result to the operation application 420 of the user wireless terminal 400. [ The operating application 420 of the user wireless terminal 400 receives and outputs the transaction information including the transaction amount (operation 845).

9 is a diagram illustrating a reverse payment process using an operating app according to an embodiment of the present invention.

More specifically, FIG. 9 illustrates an embodiment of a process of processing settlement of the transaction amount through the payment server 100 on a specified payment system via a designated path of the operating app 420 of the user wireless terminal 400 Those skilled in the art will appreciate that various modifications and variations of the method of the reverse billing process (e.g., some steps may be omitted, or steps may be omitted) However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited to those shown in FIG.

Referring to FIG. 9, the operational application 420 of the user wireless terminal 400 receiving the transaction information through the process of FIG. 8 checks 900 whether or not the transaction processing of the transaction information is determined. If the settlement processing of the transaction information is determined, the operating app 420 outputs settlement information for settlement processing of the transaction amount included in the transaction information through the designated settlement interface (905) Through the payment server 100 on the specified billing system via a designated path corresponding to at least one embodiment (or at least a combination of at least two of the embodiments) of the third payment procedure embodiment (910) a terminal-side settlement procedure set in the operational application 420 to process the payment of the amount, and performs at least one of the first to third settlement procedure embodiments during the terminal-side settlement procedure (Or at least a combination of at least two embodiments at least partially) to the payment server 100 via a designated path corresponding to the example And requests the payment server-side procedure for processing 915.

The settlement server 100 may transmit the transaction amount < RTI ID = 0.0 > (i. E. ≪ / RTI > via the designated route corresponding to at least one embodiment of the first through third payment procedure embodiments (Step 920). If it is determined in step 920 that a server-side settlement procedure for processing a settlement of a designated settlement is requested (step 920) (925) to approve the settlement of the requested transaction amount through the server-side settlement procedure. The payment server 100 confirms payment result information for the payment procedure during the server-side payment procedure (930). If the settlement result information of the settlement procedure is confirmed, the settlement server 100 provides the settlement result information to the operating app 420 of the user wireless terminal 400 and the operation server 200 (935) The operational application 420 of the user wireless terminal 400 receives and outputs the settlement result information indicating the settlement of the transaction amount in operation 940. The operation server 200 receives the settlement result information, (945) to the merchant terminal (300), and the merchant terminal (300) can receive and output the payment result information.

100: Payment server 200: Operating server
205: information storage unit 210: transaction registration receiver
215: OTID receiver 220: Authentication code generator
225: Transaction registration manager 230: Registration result provider
235: recognition information receiving unit 240: identification / authentication processing unit
245: transaction registration confirmation unit 250: transaction information provider
255: payment procedure processing unit 260: payment result processing unit
300: Merchant terminal 310: Interface unit
315: merchant payment department 320: merchant application
325: Information registering part 330: Transaction registering part
335: OTID generation unit 340: OTID registration unit
345: registration result reception unit 350: signal transmission processing unit
355: Result processing unit 360: Wireless device at the merchant point
370: Information check unit 375: Information configuration unit
380: Signal transmitter 400: User wireless terminal
410: Short Range Wireless Unit 420: Operational App
425: Signal verification unit 430: Signal recognition unit
435: recognition information transmission unit 440: transaction information reception unit
445:

Claims (14)

A method for communicating with an affiliate shop terminal operated by an affiliate shop having a wireless device for transmitting a designated wireless signal and an operation server communicating with a user wireless terminal visited at an affiliate shop,
Wherein the operation server receives transaction registration information including amount information from an affiliate terminal operated by an affiliated store having the wireless device, identifies a merchant having the wireless device separately and separately identifies the transaction registration information corresponding to the transaction registration information A first step of receiving an OTID (One Time IDentification) generated through the merchant terminal to uniquely identify a specific transaction for at least a predetermined time;
A second step in which the operating server generates a disposable authentication code for authenticating the validity of a specific transaction identified through the OTID;
A third step of the operating server storing the transaction registration information in association with the OTID and the authentication code;
Within the valid time of the OTID, the operating server reads the radio signal from the designated operating app of the user wireless terminal that has received the wireless signal transmitted from the franchise point wireless device provided at the franchisee and sends the OTID and the authentication code A fourth step of receiving recognition information including the identification information;
The operating server reads the received OTID to uniquely identify the merchant having the wireless device, and at the same time, identifies any transaction registration information uniquely identified through the OTID among the transaction registration information registered at the identified and authenticated merchant A fifth step of authenticating the validity of the transaction registration information confirmed through the authentication code;
And when the transaction registration information is identified and authenticated, the operation server provides transaction information including a transaction amount corresponding to the amount information of the transaction registration information to the operating app of the user wireless terminal,
Wherein the transaction amount is used for a payment procedure performed through an operating app of the user wireless terminal.
The method according to claim 1,
Confirming a unique code that uniquely identifies the merchant having the wireless device;
Associating and storing at least one merchant-related information among the merchant registration information on the merchant, the merchant information on the merchant for payment, and the terminal information on the merchant terminal, Wherein the asynchronous reverse payment method further comprises:
2. The method of claim 1,
Wherein the mobile terminal is generated by hiding a unique code that uniquely identifies a franchisee with a wireless device.
2. The method of claim 1,
Wherein the unique code that uniquely identifies the merchant having the wireless device is stored so as to be readable and is generated to have a different code value for each transaction registration information.
2. The method of claim 1,
A unique code that uniquely identifies a merchant having a wireless device and specific time information is encoded according to a specified encoding rule so that the unique code can be read only through a predetermined device or a server and a different code Wherein the asynchronous reverse payment method comprises the steps of:
2. The method of claim 1,
A unique code that uniquely identifies a merchant having a wireless device and random number information is encoded according to a specified encoding rule so that the unique code can be read out only through a predetermined device or server and read Code value of the wireless device in the asynchronous reverse payment method.
2. The method of claim 1,
A unique code that uniquely identifies a merchant having a wireless device, specific time information, and random number information is encoded according to a specified encoding rule so that the unique code can be read only through a predetermined device or server, And generating a different code value for each piece of information. The asynchronous reverse payment method using the wireless device.
8. The method according to any one of claims 2 to 7,
In order to uniquely identify the merchant having the wireless device separately, a unique code,
In order to uniquely identify a merchant terminal having a wireless device, a unique code,
And at least one inherent code among unique codes determined not to be duplicated in order to uniquely identify a wireless device provided at an affiliate store.
The information processing apparatus according to claim 1,
Merchant information given to the merchant for payment,
Terminal information provided on the merchant terminal,
And an inherent code for separately identifying a franchisee having a wireless device. The asynchronous reverse payment method of claim 1,
2. The method according to claim 1,
And providing the OTID and the authentication code associated with the transaction registration information to the merchant terminal.
3. The method as claimed in claim 2,
Reading out the OTID and reading the unique code hidden in the OTID, and authenticating the franchisee having the wireless device by using the read unique code, characterized in that the asynchronous reverse direction Payment Method.
The method according to claim 1,
Information on the amount of transaction registration information,
And an amount of money calculated based on the amount information of the transaction registration information.
The method according to claim 1,
Receiving the transaction information by an operating app of the user wireless terminal;
Displaying the transaction amount of the transaction information through the designated payment interface; And
And performing a settlement procedure for the settlement of the transaction amount based on a user operation on the settlement interface by the operating app.
14. The method according to claim 1 or 13,
Via the operating server, or
Wherein the step of performing the asynchronous reverse payment is performed through a separate designated server linked to the operating app.

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