KR20180017262A - Method for Providing Asynchronous Reverse Direction Payment based on Application Interlocking by using Sound Signal Device - Google Patents

Abstract

The present invention relates to an asynchronous reverse payment method based on an application linkage using a sound wave device. The asynchronous reverse payment method based on an application linkage using a sound wave device according to an embodiment of the present invention includes the steps of: receiving uniquely generated identification (UGID); storing transaction registration information and the UGID by connection with each other; receiving recognition information; checking any one transaction registration information uniquely identified through the UGID; providing transaction information; receiving request information including the UGID; and processing payment information to be provided. Therefore, the present invention can perform reverse payment processing through a wireless terminal of a user by automatically identifying a specific transaction.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an asynchronous reverse payment method based on an application-

The present invention is characterized in that when a transaction registration information including amount information for reverse settlement is registered from a merchant terminal having a sound wave device for transmitting a specified sound signal, the franchisee having the sound wave device is uniquely identified separately, Unique Generated IDentification (UGID) generated through the merchant terminal is uniquely identified to uniquely identify a specific transaction corresponding to the merchant terminal, and then the UGID is mapped to the transaction registration information, Receiving identification information including the UGID (or a sound wave pattern matched with UGID) through a first channel connected to the operating app of the user wireless terminal that receives the transmitted sound wave signal, and identifying and authenticating the merchant having the sound wave device The transaction registration information registered by the merchant identifying and authenticating with the operating app of the user wireless terminal When receiving request information including the UGID on a second channel with a separate payment application driven by the user wireless terminal, transmits the transaction information including the transaction amount corresponding to the transaction to the payment application, The payment information for payment of the amount is provided and the payment is processed through the payment application.

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 sound wave device for transmitting a sound wave signal and registering transaction registration information including amount information for reverse payment from a merchant terminal, (Uniformly Generated IDentification) generated through the merchant terminal to receive the uniquely generated IDentification to uniquely identify a specific transaction corresponding to the transaction registration information, maps the transaction registration information, Receives recognition information including the UGID (or a sound wave pattern matched with the UGID) through the first channel connected to the operating app of the user wireless terminal that receives the sound wave transmitted from the sound wave device at the merchant site registering registration information When the mobile terminal has identified and authenticated the merchant having the sound wave device, Providing the transaction information including the transaction amount corresponding to the transaction registration information registered in the identification authenticated merchant and receiving the request information including the UGID through the second channel with the separate payment application driven by the user wireless terminal And providing the payment information for payment of the transaction amount to the payment application to allow the payment to be processed through the payment application, thereby providing an asynchronous reverse payment method based on an application using the sound wave device.

The asynchronous reverse payment method based on an application using the sound wave device according to the present invention includes an operation server communicating with an affiliate shop terminal operated by an affiliate shop having a sound wave device for transmitting a specified sound wave signal and communicating with a user wireless terminal visited at an affiliate shop Wherein the operation server receives trade registration information including amount information from an affiliate shop terminal operated by an affiliated store having the sound wave device and uniquely identifies a merchant having the sound wave device separately A first step of receiving a Unique Generated IDentification (UGID) generated through the merchant terminal in order to uniquely identify a specific transaction corresponding to the transaction registration information; and a step of associating the transaction registration information with the UGID The second step and the operation server are registered in the merchant A third step of reading the sound wave signal from the designated operating application of the user wireless terminal which receives the sound wave transmitted from the side sound wave device at a short distance and receiving recognition information including information corresponding to the recognized UGID, Reads the UGID corresponding to the recognition information to uniquely identify the merchant having the sound wave device and at the same time identifies any transaction registration information uniquely identified through the UGID among the transaction registration information registered in the identification and authenticated merchant A fourth step of, when the transaction registration information is confirmed, the operation server providing 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; The server transmits a payment request from a payment application driven through the operating app among the applications installed in the user wireless terminal, A step of receiving request information including a UGID via the UGID, and the operation server verifying payment information for payment of the transaction amount through the UGID, And a seventh step of processing the information so that the information is provided.

In an asynchronous reverse payment method based on an application interlocking system using a sound wave device according to the present invention, it is preferable that the operation server confirms a unique code that uniquely identifies a merchant having a sound wave device, and the operation server registers And associating at least one of the merchant-related information among the merchant information, the merchant information, the merchant information, the terminal information, and the unique code.

In an asynchronous reverse payment method based on an app linkage using a sound wave device according to the present invention, the UGID is generated by hiding a unique code for separately identifying a merchant having a sound wave device so as to be readable.

In the asynchronous reverse payment method based on the application of the sound wave device according to the present invention, the UGID may include a unique code for separately identifying a merchant having a sound wave device, And a value of " 0 "

In the asynchronous reverse payment method based on an application using the sound wave device according to the present invention, the UGID may include a unique code that uniquely identifies a merchant having a sound wave device, and specific time information in accordance with a specified encoding rule, The unique code can be read out only through the 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 sound wave device according to the present invention, the UGID may include a unique code that uniquely identifies a merchant having a sound wave device, and random number information according to a specified encoding rule, The unique code can be read out only through the device or the server and is generated so as to have a different code value for each transaction registration information.

In the asynchronous reverse payment method based on an application using the sound wave device according to the present invention, the UGID includes a unique code for separately identifying a merchant having a sound wave device, specific time information, and random number information according to a specified encoding rule And encodes the unique code so that the unique code can be read only through a predetermined device or a server and is generated so as to have a different code value for each transaction registration information.

In an asynchronous reverse payment method based on an application interlocking method using a sound wave device according to the present invention, the inherent code is a unique code that is unique to a merchant terminal And a unique code determined not to be duplicated in order to uniquely identify the sound wave device provided at the merchant.

In an asynchronous reverse payment method based on an application interlocking method using a sound wave device according to the present invention, the transaction registration information includes at least one of merchant information given to the merchant for settlement, terminal information provided at the merchant terminal, And at least one inherent code that uniquely identifies the franchisee separately.

In the asynchronous reverse payment method based on the application interlocking using the sound wave device according to the present invention, the second step may further include providing UGID associated with the transaction registration information to the merchant terminal .

In an asynchronous reverse payment method based on an application using a sound wave device according to the present invention, the fourth step may include reading the UGID, reading the unique code concealed in the UGID, and using the read unique code, And authenticating the franchisee with the unique identification.

In an asynchronous reverse payment method based on an app linkage using a sound wave device according to the present invention, the operating server further includes checking and storing seed information for authenticating a disposable code to be dynamically generated through the merchant terminal, The recognition information further includes a disposable code recognized by reading the sound wave signal from the operating app, and the fourth step further comprises authenticating the validity of the disposable code using the seed information .

In the asynchronous reverse payment method based on an app linkage using a sound wave device according to the present invention, the operation server further includes checking and storing seed information for authenticating a disposable code to be dynamically generated through the sound wave device at the merchant point, , The recognition information further includes a disposable code recognized by reading the sound wave signal from the operating app, and the fourth step further includes authenticating the validity of the disposable code using the seed information .

In an asynchronous reverse payment method based on an application using an acoustic wave device according to the present invention, when the transaction registration information is not confirmed, the operation server transmits a transaction identified through the UGID through the merchant terminal of the merchant that is uniquely identified through the UGID And a step of waiting registration of registration information.

In the asynchronous reverse payment method based on the application interlocking using the sound wave 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 .

According to the present invention, it is possible to uniquely identify the merchant having the sound wave device while registering the transaction registration information in the operating server designated by the merchant having the sound wave device for transmitting the sound wave signal, The UGID included in the sound wave signal is recognized by the user wireless terminal that receives the sound wave signal transmitted through the sound wave device of the merchant after linking the generated UGID and the transaction registration information to uniquely identify the transaction, When a request is made, identifies and authenticates a merchant having a sound wave device through the recognized UGID, and automatically identifies and authenticates a specific transaction corresponding to any transaction registration information among a plurality of transaction registration information registered in the identification and authenticated merchant So that reverse payment processing is performed through the user wireless terminal.

According to the present invention, a merchant having a sound wave device is identified and authenticated using a UGID associated with transaction registration information registered at an affiliated store having a sound wave device, and at the same time, any one of a plurality of transaction registration information registered at the identified merchant 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 sound wave device is completed by automatically identifying the specific transaction corresponding to the registration information, It is advantageous that each reverse payment corresponding to each transaction registration information is processed asynchronously through each user wireless terminal that has received the sound wave signal and recognized each UGID.

1 is a diagram showing a configuration of a system for providing reverse payment using a sound wave 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.
FIG. 3 is a diagram illustrating a functional configuration of a franchise-station-side terminal 300 and a sound wave 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 transaction registration process or a reverse UGID delivery process according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a transaction registration process or a reverse UGID delivery process according to another embodiment of the present invention.
8 is a diagram illustrating a process of recognizing a sound wave signal and interfacing a first channel of the user wireless terminal 400 according to an embodiment of the present invention.
9 is a diagram illustrating a process of interworking between an operating app and a payment app of a user wireless terminal according to an embodiment of the present invention.
FIG. 10 is a diagram illustrating a second channel interworking or reverse payment process according to an embodiment of the present invention.

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

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

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

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

FIG. 1 is a diagram showing a configuration of a system for providing reverse payment using a sound wave device provided at an affiliate store according to an embodiment of the present invention.

In more detail, FIG. 1 shows the sound wave device 360 when registering transaction registration information including money amount information for reverse payment from a merchant point side terminal 300 having a sound wave device 360 for transmitting a specified sound wave signal (Uniquely Generated IDentification) generated through the merchant terminal (300) to uniquely identify one merchant and uniquely identify a specific transaction corresponding to the transaction registration information, and receives a Unique Generated IDentification The UGID (or UGID) is transmitted through the first channel connected to the operating application 420 of the user wireless terminal 400 that has received the sound wave transmitted from the sound wave device 360, which has registered the transaction registration information, (E.g., a sound wave pattern matching with the sound wave pattern corresponding to the sound wave device 360) and identifies and authenticates the merchant having the sound wave device 360, the operating app 420 of the user wireless terminal 400 And provides the transaction information including the transaction amount corresponding to the transaction registration information registered at the identified and authenticated merchant and transmits the transaction information including the UGID The settlement application 450 provides the settlement information for settlement of the transaction amount to the settlement app 450 so that the settlement process is performed through the settlement app 450 , Various embodiments of the reverse payment providing system using the sound wave device 360 of the affiliated shop (see, for example, FIG. 1) may be implemented by a person skilled in the art, Omitted, or refined, or aggregated), but the present invention encompasses all such contemplated embodiments, The technical features thereof are not limited only by the method shown in FIG.

The system of the present invention is characterized in that a franchisee having an affiliate shop terminal 300 operated by an affiliated store having a sound wave device 360 for transmitting a specified sound wave signal and a sound wave device 360 transmitting a specified sound wave signal is distinguished (Or a sound wave signal including a sound wave pattern matched with UGID) obtained by encoding the generated UGID in order to uniquely identify a specific transaction of the franchisee, An operating app 420 for recognizing the UGID of the sound wave signal transmitted through the merchant-side sound wave device 360, and a payment app 450 for performing a payment procedure for the transaction amount confirmed using the recognized UGID And an operation server 200 capable of communicating with the affiliate shop terminal 300 operated by each affiliate shop in cooperation with the operating app 420 of the user wireless terminal 400 An authentication server 100 provided on a billing system in cooperation with a payment application 450 of the user wireless terminal 400 and interworking with the operation server 200, And a payment server 105 for performing a server-side settlement procedure corresponding to the settlement procedure.

The merchant terminal 300 is a collective term of a terminal operated by an affiliated store including a sound wave device 360 for transmitting a sound wave signal. For example, 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 store for the reverse payment based on the affiliate shop-side acoustic wave device 360 according to the present invention, (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 merchant- ) 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.

And an affiliate shop-side sound wave device 360 for transmitting an acoustic wave signal assigned to an affiliate shop operating the affiliate shop-side terminal 300, and an affiliate shop application 320 specified in the affiliate shop-side 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-side sound wave 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 franchise-point-side terminal 300 may specify predetermined terminal information (for example, information that uniquely identifies the specific terminal 300 among the terminals provided at the franchisee, information given to the franchise terminal processing the forward payment, etc.) And can transmit the terminal information to the designated operating server 200 and register the terminal information.

The franchise-point-side terminal 300 includes a separate inherent code (for example, a unique code that uniquely identifies a franchisee having a sound wave device 360 that transmits a specified sound wave signal, and / A unique code that uniquely identifies the merchant terminal 300 that is operated by the merchant having the merchant terminal 300, and / or a unique code that uniquely identifies the sound wave device 360 that transmits the designated sound signal, ), 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, which is determined so as not to be duplicated to uniquely identify the merchant having the sound wave device 360 separately. (For example, merchant information such as a franchise number for payment in the forward direction) may be assigned to the merchant. Conventionally, the information allocated to the merchant has been transmitted to the merchant through the sound wave device 360, The unique code is provided with the sound wave device 360 at the merchant point to separately identify the merchant having the sound wave device 360 separately 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 sound wave 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 to the merchant terminal is information provided to identify only the merchant terminal regardless of whether the corresponding merchant terminal is provided with the sound wave device 360. On the other hand, The unique code includes the sound wave 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-side terminal 300 provided at the affiliated store including the sound wave 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 sound wave device 360 provided at the merchant. In order to uniquely identify the sound wave device 360, the sound wave device 360 provided at the merchant may be given a unique code value that is not duplicated. In this case, the code value assigned to the sound wave device 360 may be referred to as a sound wave device 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 evident that the inherent code of the present invention belongs to the scope of the present invention regardless of any code that is not redundantly assigned to uniquely identify the sound wave device 360.

According to the embodiment of the present invention, the affiliated shop terminal 300 (or an information registering terminal used at an affiliated store) operated by an affiliated store having the sound wave device 360 can receive the first 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 inherent code checking embodiment of the present invention, the inherent code is displayed on one side of the sound wave device 360 of the merchant point or includes a code value printed on the use manual of the sound wave device 360, In this case, the franchise owner (or employee) of the franchisee who receives (or purchases) the franchise-side sound wave device 360 receives the code value of the sound wave device 360 through the franchise shop- And the merchant terminal 300 can confirm a unique code including the input code value.

According to the second specific code checking embodiment of the present invention, the merchant-side sound wave device 360 can be supplied (or sold) to the merchant while recording a code value unique to the designated storage area, and the sound wave 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 sound wave device 360 in conjunction with the merchant point-side sound wave 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 (Not shown in the figure) stored in a designated storage area of the merchant's point-of-sale device (360) associated with the terminal (300).

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 is provided with the sound wave device 360 at any time before, during, or after registration of transaction registration information including amount information for reverse payment The procedure for registering the unique code may be omitted in the case of separately dynamically identifying a merchant and dynamically generating a code value type UGID that uniquely identifies a specific transaction corresponding to the transaction registration information, It is clear that the embodiment that does not register the unique code can also be included in the scope of the right.

In the reverse payment based on the sound wave 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. In the meantime, according to an embodiment of the present invention, the unique code is provided to the merchant terminal 300 (or the merchant point side sound wave device 360 associated with the affiliated shop terminal 300) 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 franchise point terminal 300 separately identifies the franchisee having the sound wave device 360 At the same time, a Unique Generated IDentification (UGID) that uniquely identifies a specific transaction corresponding to the transaction registration information is generated.

The UGID of the present invention may be generated by an identification means having uniqueness generated uniquely and with an identification that identifies one or more designated objects. Preferably, the UGID of the present invention is created to have uniqueness that is not duplicated, and is at least one of the identifiability that uniquely identifies the merchant having the sound wave device 360 and the discrimination that uniquely identifies the specific transaction corresponding to the specific transaction registration information May be generated to have a single identity, and may preferably be multiple (or multiple) that uniquely identifies a merchant with the sound wave device 360 and uniquely identifies a particular transaction corresponding to the particular transaction registration information Complex) identity. The uniqueity of the UGID of the present invention and the distinctive identification of the merchant separately means that the UGID is created to have a unique value not overlapping with at least a plurality of merchants and the unique UGID of the present invention And having an uniqueness that uniquely identifies a particular transaction means that the UGID is created to have a unique value that is not duplicated for at least a plurality of transactions. In the meantime, the UGID of the present invention has a unique (uniqueness) unique identity and a unique (unique) identity that uniquely identifies a specific transaction. This means that the UGID is not duplicated for a plurality of merchants, It means that it is created to have a unique value that is not duplicated even for a plurality of transactions of each merchant.

Meanwhile, the UGID of the present invention can be generated with more randomness than the uniqueness and the identity according to the embodiment, and based on the UGID, the UGID can also be used as an authentication means for authenticating the identification means while being used as the identification means. For example, while a password or a disposable password is used only as an authentication means for authenticating an identified subject, the UGID of the present invention is generated with more randomness in addition to uniqueness and discrimination, so that it is used as an identification means by itself, May also be used in combination.

According to the method of the present invention, the merchant terminal 300 identifies a unique code that uniquely identifies a merchant having the sound wave device 360 separately, and reads the unique code only through a specified specific device / server The UGID of the designated code system generated so as to have a different code value for each transaction corresponding to the transaction registration information can be generated.

According to the first UGID generation embodiment of the present invention, the merchant-point-side terminal 300 confirms the unique code separately identifying the merchant having the sound wave device 360 and the time information read according to the specified rule, The UGID can be generated by hiding the unique code by performing the designated encoding procedure using the unique code and the 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 UGID through the decoding rule and read the unique code hidden in the UGID.

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

According to the third UGID generation embodiment of the present invention, the merchant-point-side terminal 300 includes a unique code for separately identifying a merchant having the sound wave device 360, time information read in accordance with 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, You can create a UGID. The specific device / server having the decoding rule corresponding to the encoding rule can decode the UGID through the decoding rule and read the unique code hidden in the UGID.

According to the fourth UGID generation 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 UGID hiding the unique code, The UGID can be generated by encoding a series of information including the unique code according to a specified encoding rule using the inherent code. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the UGID through the decoding rule and the key value and read the unique code hidden in the UGID.

According to the fifth UGID generation embodiment of the present invention, the merchant terminal 300 exchanges a specified key value with a specific device / server from which a unique code is to be read out from the UGID concealed from the unique code, A UGID can be generated by encoding a series of information including the unique code according to a specified encoding rule using the read date information according to the rule. The specific device / server having the decoding rule corresponding to the encoding rule and the key value may decode the UGID through the decoding rule, key value, and date information, and read the unique code hidden in the UGID.

According to the sixth UGID 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 UGID generation embodiments It is possible to generate a hidden UGID, and thus the present invention is not limited thereto.

Meanwhile, according to another UGID generation embodiment of the present invention, the merchant terminal 300 includes (or hides) a temporary unique code determined not to be duplicated for at least a certain period of time even if the unique code is not hidden, ) And a UGID in the form of a code value that uniquely identifies a particular transaction corresponding to the transaction registration information can be generated, and thus the present invention is not limited thereto.

When the UGID is generated through at least one embodiment of the UGID generation, the merchant terminal 300 can transmit the generated UGID to the operation server 200. [ The merchant terminal 300 may transmit the transaction registration information and the UGID together with the operation server 200, or may sequentially transmit the transaction registration information and the UGID according to a designated procedure, so that the present invention is not limited thereto.

The operation server 200 receives the transaction registration information from the merchant terminal 300 operated by an affiliated store having the sound wave device 360 and transmits the UGID 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 sound wave 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 franchisee operating the terminal 300 is a franchisee having the sound wave device 360.

On the other hand, the operating server 200 receiving the UGID can read the UGID and confirm that the merchant registering the transaction registration information together with the UGID is a merchant having the sound wave device 360. For example, the operation server 200 reads a unique code included in the UGID and compares / inquires the information registered in the operation server 200, thereby registering the transaction registration information together with the UGID It is possible to confirm whether or not the shop is equipped with the sound wave device 360.

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

After storing the UGID and the transaction registration information in a designated storage medium, the operation server 200 provides the registration result information including the registration result of linking the transaction registration information and the UGID to the merchant terminal 300. Preferably, the registration result information may include a UGID associated with the transaction registration information.

The franchise point terminal 300 receives the registration result information from the operation server 200 and provides the UGID to the designated franchise point side sound wave device 360 so that the franchise point side terminal 300 can receive the registration result information through the sound wave device 360 (Or a sound wave signal including a sound wave pattern matched with the UGID) obtained by encoding the UGID.

According to the embodiment of the present invention, the franchise point-side terminal 300 is configured to authenticate the validity of the registered transaction registration information with a franchise point (= a franchisee having a designated sound wave device 360) uniquely identified through the UGID You can generate a one-time code that contains the code value of the specified code scheme. On the other hand, the merchant terminal 300 exchanges seed code generation seed information (for example, a rule for determining a fixed seed value and / or a seed value) with the operation server 200 in order to generate the one- The merchant terminal 300 and the operation server 200 can register and manage the seed information for generating or authenticating the disposable code. Preferably, the operation server 200 can map and store the seed information and the unique code, and according to the method, the operation server 200 can register the registered merchant through the merchant terminal 300 At least one of information, merchant registration information, and terminal information and the seed information can be mapped and managed. Meanwhile, when at least one of the merchant registration information, the merchant registration information, the terminal information, and the unique code registered in the operation server 200 through the merchant terminal 300 is used as the seed information, additional seed information is registered The process can be omitted, and the present invention is not limited thereto.

When the seed information for authenticating the disposable code generated by the franchise point terminal 300 is mapped to the operation server 200, the franchise point terminal 300 transmits one or more seed values (for example, , A fixed seed value, etc.) and at least one dynamic seed value dynamically determined (e.g., a time value corresponding to the current time (or standard time) and / or a value exchanged with the server side authenticating the one-time code) You can dynamically generate one-off code of the specified code system by assigning it to the algorithm. For example, the one-time code may include code generated dynamically through an algorithm that generates an OTP (One Time Password).

According to the first disposable code generation embodiment of the present invention, the merchant terminal 300 assigns designated seed values to a designated code generation algorithm before registering the transaction registration information with the operation server 200, Can be dynamically generated.

According to the second disposable code generation embodiment of the present invention, the merchant terminal 300 requests registration of the transaction registration information to the operation server 200 and receives the registration result information from the operation server 200 The specified seed values can be assigned to the designated code generation algorithm to dynamically generate the one-off code of the designated code system.

According to the third disposable code generation embodiment of the present invention, after receiving the registration result information from the operation server 200, the franchise point terminal 300 substitutes designated seed values into a designated code generation algorithm, Can be dynamically generated.

When the registration result information including the UGID is received from the operation server 200 and the one-time use code is generated in the merchant terminal 300 through at least one of the first to third one-off code generation embodiments , The franchise-point-side terminal 300 provides the UGID and the disposable code to the designated affiliate shop-side sound wave device 360, thereby generating the sound wave signal in which the UGID and the disposable code are encoded through the sound wave device 360 within a specified effective time It can be processed to send out.

Meanwhile, according to another embodiment of the present invention, the disposable code can be dynamically generated through the sound wave device 360 of the merchant point (in this case, the merchant point side terminal 300 is connected to the merchant point sound wave device 360 The subscriber terminal 300 can provide the UGID to the designated merchant-side sound wave device 360. In this case, the subscriber-side terminal 300 can provide the UGID The customer-side sound wave device 360 dynamically generates the one-time code of the designated code system by substituting the designated seed values into the designated code generation algorithm, and then transmits the sound wave signal obtained by encoding the UGID and the one- can do.

The franchise-point-side sound wave device 360 is a collective term of a device that is installed in / operated in the affiliate shop and transmits a sound wave signal of a specified frequency band that is received and recognized by the user wireless terminal 400 at a near location. (Or a sound wave signal including a sound wave pattern matched with the UGID) at a short distance, and transmit the sound wave signal obtained by encoding the UGID and the disposable code at a short distance according to an implementation method.

The present invention is characterized in that it transmits a sound wave signal (or a sound wave signal including a sound wave pattern matched with UGID) obtained by encoding the UGID through a separate sound wave device 360 provided at an affiliate shop, (360), and automatically identifies a transaction registration information among a plurality of transaction registration information registered in the identification and authenticated merchant for a predetermined period of time, the merchant terminal (300) Even if the transaction registration information for the next reverse payment is registered before the reverse payment for the previously registered transaction registration information is completed, each reverse payment is processed asynchronously.

According to the method of the present invention, the merchant-side sound wave device 360 is connected to at least one local communication means (for example, at least one of Bluetooth, Wi-Fi, NFC and RF communication, Communication means, and the like).

According to the method of the present invention, the merchant-point-side sound wave device 360 receives the analogized sound wave signal (for example, the audio frequency domain or the non-audible frequency domain) in a designated frequency domain through a specified sound wave output device The digital information designated by the transmitted sound wave signal may be encoded and transmitted, or the sound wave signal including the designated sound wave pattern may be transmitted.

According to the first sound wave signal transmission embodiment of the present invention, the franchise point side sound wave device 360 is input through the sound wave input part 410 provided in one or more designated user wireless terminals 400, Related information, and then codes the information specified in accordance with the sound-wave encoding rule for encoding the digital information so as to be able to recognize the information encoded in the sound wave signal read through the designated app installed in the corresponding wireless terminal 400 It is possible to generate and transmit a sound wave signal, or to encode and send information designated by a specified sound wave signal. Preferably, the sound wave signal may be encoded with a UGID, and one or more designated information may be further encoded, such as at least one code for authenticating an object identified through a UGID according to an implementation method. On the other hand, the sound encoding rule is a rule for encoding a bit stream consisting of '0' and '1' in a sound wave signal (for example, a pseudo noise region of a sound wave signal, (For example, a method of inserting and encoding in a noise region), or a rule for matching a designated frequency (or combination of frequencies) and a designated digit (e.g., a DTMF method or a method of applying the same) , And it is evident that any rule is included in the sound wave encoding rule of the present invention if it is a rule capable of encoding digital information in a sound wave signal.

According to the second sound wave signal transmission embodiment of the present invention, the merchant-side sound wave device 360 is input through the sound wave input unit 410 provided in one or more designated user wireless terminals 400, And then transmits the sound wave signal including the sound wave pattern that can be read and encoded through the designated application installed in the corresponding wireless terminal 400 after being digitized through the built- For example, the sound wave device 360 can transmit 1 million distinct sound patterns different from each other, and the designated application of the user wireless terminal 400 can transmit 1 million sound waves Patterns can be discriminated and recognized, and the 1 million sound wave patterns include a pattern structure that is matched with a code value of one million different from each other or interpreted as different bit combinations within a specified number of bits (for example, 32 bits) Lt; / RTI > Preferably, the sound wave signal includes a sound wave pattern having a pattern structure interpreted as a combination of bits constituting the UGID, and / or a sound wave pattern corresponding to separate sound wave pattern information matching the UGID The sound wave pattern corresponding to the sound wave pattern ID identifying the sound wave pattern matched with the UGID among the sound wave patterns in the specified number of sound wave patterns included in / .

The franchise point side sound wave device 360 of the present invention may be any device capable of transmitting a sound wave signal recognizable by the designated application of the user wireless terminal 400 based on at least one or two combinations of the sound wave signal transmission examples And the scope of the present invention is clearly defined.

According to the embodiment of the present invention, the merchant-side sound wave device 360 receives information necessary for transmitting a sound wave signal designated from the affiliate shop-side terminal 300 and receives the sound wave signal (or UGID And a sound wave signal including a sound wave pattern matched with the sound wave signal). Alternatively, the merchant-side sound wave device 360 may receive the UGID and the disposable code from the merchant-side terminal 300 and transmit the sound wave signal obtained by encoding the UGID and the disposable code at a short distance. Hereinafter, the technical features of the present invention will be described, but the present invention is not limited thereto, for the sake of convenience, the embodiment in which the sound wave device 360 transmits the sound wave signal obtained by encoding the UGID and the disposable code.

The user wireless terminal 400 is a collective term of a wireless terminal having a constituent part related to a sound wave signal capable of receiving a sound wave signal transmitted through the franchise point side sound wave device 360 owned by a user, The operation app 420 is installed and operated to recognize the UGID of the sound wave signal transmitted through the merchant-side sound wave device 360. The operation app 420 uses the UGID recognized through the operation app 420 to calculate a transaction amount And a payment application 450 for performing the payment procedure of the transaction amount can be installed and executed.

The user wireless terminal 400 is a collective term of a wireless terminal having a constituent part related to a sound wave signal capable of receiving a sound wave signal transmitted through the franchise point side sound wave device 360 owned by a user, The operation app 420 is installed and operated to recognize the UGID of the sound wave signal transmitted through the merchant-side sound wave device 360. The operation app 420 uses the UGID recognized through the operation app 420 to calculate a transaction amount And a payment application 450 for performing the payment procedure of the transaction amount can be installed and executed.

According to the first operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be operated by the user (or a designated application) before sending the sound wave signal at the merchant- (Or activated) at the user wireless terminal 400 (depending on the driving procedure). In this case, at the same time that the operating app 420 is activated (or activated), it is checked whether the sound wave input unit 410 of the user wireless terminal 400 is activated to input a specified sound wave signal, and the sound wave input unit 410 And if not activated, a series of procedures for activating the sound wave input unit 410 may be performed. When the sound wave input unit 410 of the user wireless terminal 400 is activated or activated, the operating application 420 of the user wireless terminal 400 transmits the sound wave input unit 410 through the activated sound wave input unit 410 It is possible to wait for input of the sound wave signal transmitted from the sound wave device 360 of the merchant point and to read out the digitized data of the sound wave signal transmitted through the sound wave device 360 and input through the sound wave input part 410 The UGID and the disposable code included in the sound wave signal can be recognized.

According to the second operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 may be operated by the user (or a designated application) before sending the sound wave signal at the merchant- May be driven (or activated) by the user wireless terminal 400 and the operating application 420 that is driven (or activated) may determine whether to transmit or receive sound waves to and from the merchant-side sound wave device 360 It is possible to display an interface screen that guides the user. If it is determined by the user to transmit and receive a sound wave signal to and from the sound wave device 360 by the user based on the interface screen, the operating application 420 may transmit the sound wave signal to the sound wave outputting unit 408 of the user wireless terminal 400 And transmits the request signal requesting the merchant point-side sound wave device 360 to transmit the specified sound wave signal, and the merchant point-side sound wave device 360 generates the sound wave signal in which the UGID and the disposable code are encoded based on the request signal Can be transmitted.

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 sound wave device 360 may transmit the sound wave signal including the UGID and the disposable code and including the identifier. In this case, the operating app 420 of the user wireless terminal 400 reads the digitized data of the inputted sound wave signal and recognizes the identifier, so that the sound wave signal inputted by the operating app 420 of the user wireless terminal 400, It is possible to recognize that it is a sound wave signal transmitted through the antenna 360.

The operating app 420, which has transmitted the request signal to the merchant-side sound wave device 360, receives the sound wave signal corresponding to the request signal from the merchant-side sound wave device 360, digitizes the inputted sound wave signal The UGID and the disposable code included in the sound wave signal can be recognized by reading the data.

According to the third operating app operation embodiment of the present invention, the operating app 420 of the user wireless terminal 400 transmits the sound wave signal designated by the merchant-point-side sound wave device 360 and receives the sound wave signal specified in the procedure (Or activated). The operating app 420 activated (or activated) by receiving the sound wave signal can read the digitized data of the input sound wave signal and recognize the UGID and the disposable code included in the sound wave 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 UGID and the disposable code included in the sound wave signal input through the sound wave input unit 410, and thus the present invention is not limited thereto.

When the UGID and the disposable code included in the sound wave signal input from the sound wave device 360 of the merchant through the at least one embodiment of the first to fourth operating modes of operation are recognized, The UGID and the disposable code are configured to form identification information including the recognized UGID and the disposable code and connect the first channel to the designated operating server 200 via at least one communication network connected to the user wireless terminal 400, To the operating server 200 via the network.

The operating server 200 connects a first channel via a designated communication network with the operating app 420 of at least one user wireless terminal 400 and transmits identification information including a UGID and a disposable code .

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

According to the embodiment of the present invention, the operation server 200 reads the code system of the unique code read out from the UGID, and confirms whether the unique code is a code that uniquely identifies a merchant having the specified sound wave 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 sound wave device 360 through a unique code read from the UGID, Corresponding to the unique code read out from the UGID among the affiliated stores having the sound wave device 360 by confirming that the unique code read from the UGID is a unique code that uniquely identifies the affiliated store with the sound wave device 360 Can be identified and authenticated.

According to the embodiment of the present invention, the operation server 200 inquires a storage medium for associating and storing merchant-related information with a unique code of a merchant having the sound wave device 360 through a unique code read from the UGID By identifying the merchant-related information corresponding to the unique code read out from the UGID, it is possible to identify and authenticate any one of the merchants having the sound wave device 360 corresponding to the unique code read out from the UGID.

Meanwhile, in the case where the disposable code is included in the identification information received through the first channel and the seed information for authenticating the disposable code is provided to the operation server 200, the operation server 200 transmits the identification information (Or a unique code read out from the UGID) corresponding to the affiliation-point-related information corresponding to the affiliation-point-related information And a value exchanged with the server side for authenticating the one-time code) to the designated code generation algorithm to generate a verification code of the specified code system, and the one-time code included in the recognition information The validity of the disposable code can be verified by comparing the verification code. Here, the UGID is used as identification means for authenticating the validity of the disposable code, and the disposable code is used for identifying the object identified through the UGID (e.g., a merchant with a sound device 360 and / The transaction registration information that is uniquely identified for a certain period of time through the UGID among the transaction registration information registered through the merchant terminal 300 of the merchant having the merchant terminal 300). Meanwhile, the validity authentication of the disposable code can be performed through a separate code server associated with the operation server 200, and thus the present invention is not limited thereto.

On the other hand, when an affiliate shop corresponding to a unique code read out from the UGID among the affiliated stores including the sound wave device 360 is identified and authenticated (or when the affiliate shop corresponding to the unique code read from the UGID is identified and authenticated, The operation server 200 transmits a transaction registration information that is uniquely identified for a predetermined period of time through the UGID among the transaction registration information registered from the affiliate shop terminal 300 operated by the identified and authenticated merchant Check. According to the embodiment of the present invention, transaction registration information registered from the merchant terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined time, It is preferable that the information is any one of transaction registration information, and the operation server 200 is unique in the transaction registration information registered from the merchant terminal 300 operated by the identified and authenticated merchant through the UGID for a predetermined time It is possible to confirm any transaction registration information that is identified.

Meanwhile, according to the embodiment of the present invention, when the validity time of the UGID has not elapsed but transaction registration information uniquely identified through the UGID is not confirmed, the merchant terminal 300 The UGID may be transmitted first through the merchant point-side sound wave device 360 and recognized through the operating app 420 of the user wireless terminal 400 (but may be omitted if such an embodiment is excluded). In this case, the operation server 200 may wait for the transaction registration information uniquely identified for a certain period of time to be registered through the UGID from the merchant terminal 300 during the valid time (or a designated timeout) of the UGID , Transaction registration information uniquely identified for a certain period of time can be confirmed through the UGID among the transaction registration information registered within the valid time (or the designated timeout). Alternatively, the operation server 200 may provide information requesting the merchant terminal 300 (or the user wireless terminal 400) to register transaction registration information to be uniquely identified for a certain period of time through the UGID , And then receives recognition information including the UGID (or a sound wave pattern matched with UGID) from the operating app 420 of the user wireless terminal 400 again to identify and authenticate the merchant having the sound wave device 360 The process of confirming the uniquely identified transaction registration information through the UGID can be performed again.

If any transaction registration information that is uniquely identified for a predetermined period of time is identified through the UGID from among at least one transaction registration information registered through the merchant terminal 300 operated by the merchant that is uniquely identified through the UGID, (200) confirms the amount information of the confirmed transaction registration information, and confirms / calculates the transaction amount to be reversed through the user wireless terminal (400) based on the amount information.

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 through the first channel connected to the operating app 420 of the user wireless terminal 400. Meanwhile, if the transaction information has the same configuration information as the transaction registration information, the operation server 200 may not separately manage the UGID and the transaction information It is acceptable.

The operating app 420 of the user wireless terminal 400 may include at least one information included in the transaction registration information and / or at least one of the transaction information including the transaction amount from the operation server 200 through the first channel, Receives the transaction information including the merchant-related information registered in the operation server 200, and outputs the transaction information through the designated interface screen on the 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 the transaction information, the operation app 420 confirms the payment processing decision of the transaction information, and determines payment of the transaction information among various apps provided in the user wireless terminal 400 The UGID used to receive the transaction information from the operation server 200 is recognized by the payment application 450 that is activated (or activated) while the payment application 450 to be processed is activated (or activated) do. Preferably, the operating app 420 may share the UGID with the payment app 450 in the form of a parameter of an instruction to activate (or activate) the payment app 450. Alternatively, after the payment application 450 is activated (or activated), the operating app 420 may communicate with the payment application 450 according to an inter-process communication protocol provided by the operating system of the user wireless terminal 400 And the UGID can be shared and delivered to the activated (or activated) payment application 450 by performing the procedure.

The activated (or activated) payment application 450 receives the UGID from the operational application 420, configures the request information including the UGID within a specified effective time, To the designated authentication server 100 on the payment system associated with the UGID. The authentication server 100 is capable of communicating with the operation server 200 interlocked with the operation application 420 and transmits request information (or UGID) received from the payment application 450 of the user wireless terminal 400 To the operation server 200, thereby requesting the transaction information corresponding to the UGID. The first channel formed between the operating application 420 and the operational server 200 of the user wireless terminal 400 and the first channel formed between the operating server 420 and the authentication server 100 for communicating with the operation server 200 by relaying the authentication server 100 in the payment application 450 of the user wireless terminal 400 to identify the relay channel communicating with the operation server 200 via the relay channel Is referred to as a second channel.

The operation server 200 relays the authentication server 100 over the second channel within a designated valid time period, receives the request information including the UGID, and transmits the uniquely identified transaction registration (Or transaction information linked to the UGID for a predetermined time), confirms payment information for payment processing of the transaction amount of the transaction information, and transmits the transaction information corresponding to the information to the authentication server 100 And transmits the payment information to the payment application 450 of the user wireless terminal 400 to process the payment information.

According to the embodiment of the present invention, transaction information provided by the operation server 200 to the operating app 420 of the user wireless terminal 400 through the first channel and the transaction information provided by the payment application 450 through the second channel, The payment information provided by the payment application 450 includes the same transaction amount, and the transaction information mainly includes information (e.g., product information) for confirming transaction details, (For example, merchant information for payment processing, etc.) in the payment process. Meanwhile, the transaction information and the payment information may include the same configuration information according to the method of operation. In this case, the transaction information and the payment information may be regarded as being named to distinguish each transmitted application.

The payment application 450 receiving the payment information via the second channel outputs the payment information through the designated payment interface screen and performs the payment process on the terminal of the payment application 450, (= Transaction amount), and the payment application 450 can preferably process payment of the payment information in cooperation with the payment server 105 on the payment system. For this, the payment server 105 may perform a server-side payment procedure corresponding to the terminal-side payment procedure performed through the payment application 450.

According to the embodiment of the present invention, the payment application 450 registers the designated payment means in the payment server 105 (or the financial company server issuing the payment means), and transmits the payment information to the payment server 105 The payment server 105 may perform a server side settlement procedure (e.g., a procedure for receiving and authenticating a PIN) for processing a settlement, and the settlement server 105 may perform a server side settlement procedure A procedure of extracting the payment means and approving the payment to the payment information, or a procedure of requesting payment approval to the financial company server).

The payment server 105 confirms the payment result information of the payment procedure and provides the payment result information to the payment application 450 of the user wireless terminal 400 and / (Or provide the information to the operation server 200 through the authentication server 100), and the operation server 200 transmits the payment result information to the merchant terminal 300, .

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 an 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 sound wave device 360, And is capable of communicating with the authentication server 100 (or the payment server 105, etc.) on the payment system in cooperation with the payment application 450 of the user wireless terminal 400. [

Referring to FIG. 2, the operation server 200 may include an affiliate store registration information for an affiliated store having a sound wave 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 sound wave device 360 and storing the unique code in association with the merchant- Respectively.

The franchise point terminal 300 having the sound wave device 360 (or a separate operating terminal or the like) stores the franchise registration information on the franchisee, the franchise point information on the franchisee for payment, , 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 store having the sound wave device 360. [

When the merchant terminal 300 (or a separate operating terminal or the like) having the sound wave device 360 requests registration of a unique code that uniquely identifies the corresponding 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.

On the other hand, in the case of generating and authenticating the one-time code during the reverse payment of the merchant with the sound wave device 360, the merchant terminal 300 transmits seed information related to the seed value for generating / authenticating the one- The information storage unit 205 stores a seed value required to generate / authenticate a disposable code with the merchant terminal 300 (or the merchant point side sound wave device 360 via the merchant terminal 300) Exchanges / shares seed information for determination, and stores the exchanged / shared seed information in a designated storage medium. Preferably, the seed information may be stored in association with the unique code, and / or stored in association with the merchant-related information.

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 having the sound wave device 360 A UGID receiving unit 215 for uniquely identifying a franchisee having the sound wave device 360 from the franchise point side terminal 300 and receiving a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information; A transaction registration management unit 220 for storing the transaction registration information and the UGID in association with each other, a registration result providing unit 225 for providing registration result information in which the transaction registration information and the UGID are registered in association with the merchant terminal 300 .

The merchant terminal 300 operated by the merchant having the sound wave device 360 receives the amount information for the reverse payment or confirms it according to a designated procedure and constructs 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 an embodiment of the present invention, the transaction registration receiving unit 210 receives information (for example, merchant-related information and / or unique code) included in the transaction registration information and a storage medium (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 the merchant having the sound wave device 360 separately identifies the merchant having the sound wave device 360 and uniquely identifies the specific transaction corresponding to the transaction registration information The UGID receiving unit 215 receives the UGID from the merchant terminal 300. The UGID receiving unit 215 receives the UGID from the merchant terminal 300. [

When the transaction registration information is received through the transaction registration receiving unit 210 and the UGID is received through the UGID receiving unit 215, the transaction registration managing unit 220 registers the transaction received through the transaction registration receiving unit 210 (Or at least a part of the transaction registration information including the money amount information) and the UGID received through the UGID receiving unit 215, and stores the UGID in a designated storage medium. Preferably, the UGID includes a valid time that is valid for a predetermined time, and the transaction registration management unit 220 stores and manages the UGID in a storage medium designated to hold the UGID during the valid time of the UGID .

The registration result providing unit 225 constitutes registration result information including a registration result in which the transaction registration information and the UGID are registered in association with each other and transmits the registration result information to the merchant terminal 300 that registered the transaction registration information and the UGID And the merchant terminal 300 receives the registration result information. Preferably, the registration result information may include a UGID associated with the transaction registration information.

The franchise point terminal 300 receiving the registration result information transmits the sound wave signal (or UGID) corresponding to the UGID encoded through the affiliate shop side sound wave device 360 associated with the affiliated shop terminal 300 within the designated valid time And the sound wave device 360 of the merchant point side performs at least one embodiment of the first to third disposable code generation embodiments of the present invention in addition to the UGID A disposable code generated by the merchant terminal 300 or a disposable code generated by the sound wave device 360 through the disposable code. Hereinafter, the features of the present invention will be described focusing on an embodiment in which an acoustic wave signal obtained by encoding the UGID and the disposable code is transmitted by the acoustic wave device 360 for convenience.

The sound wave signal transmitted through the merchant-side sound wave device 360 is received by the user wireless terminal 400 through at least one of the first through fourth operating app operation embodiments of the present invention, ). ≪ / RTI > The sound wave signal transmitted through the sound wave device 360 may be received by one or more wireless terminals existing within a certain distance of the sound wave device 360, The user wireless terminal 400 executing the operating app 420 can read the input sound signal through the operating app 420 and recognize the UGID and the disposable code included in the sound signal. When the operating app 420 is executed in the user wireless terminal 400, the operating app 420 of the user wireless terminal 400 requests the sound wave device 360 to send the sound wave signal to the near- And transmits the sound wave signal obtained by encoding the UGID and the disposable code on the basis of the request signal in the sound wave device 360, the operating app 420 of the user wireless terminal 400 may transmit the sound wave signal, The UGID and the disposable code can be recognized by reading the sound wave signal input from the sound source 360. Meanwhile, the sound wave device 360 may control the signal intensity so that the sound wave signal can effectively reach a predetermined distance or less, and transmit the sound wave signal to the user wireless terminal 400, which receives the sound wave signal, The operating app 420 of the user wireless terminal 400 can be driven (or activated) by receiving the sound wave signal to recognize the UGID and the disposable code included in the sound wave signal.

The operating app 420 of the user wireless terminal 400 reads the sound wave signal and connects the first channel to the operating server 200 specified in the effective time of the recognized UGID, The UGID and the disposable code may be transmitted to the operation server 200 through the UGID.

Referring to FIG. 2, the operation server 200 determines whether or not the specified operation (operation) of the user wireless terminal 400 that has received the sound wave transmitted from the franchise point side sound wave device 360, A recognition information receiving unit 230 for receiving recognition information including the recognized UGID (or a sound wave pattern matched with UGID) by reading the sound wave signal from the application 420, and a recognition unit 230 for reading the received UGID, An identification / authentication processing unit (235) for identifying and authenticating the user terminal (300) as a merchant having the sound wave device (360) A transaction registration confirmation unit 240 for confirming any transaction registration information identified by the transaction registration information and an operation app 420 of the user wireless terminal 400 upon confirming the transaction registration information, And a transaction information providing unit 245 for providing transaction information including a corresponding transaction amount.

When the operation application 420 of the user wireless terminal 400 reads the sound wave signal and constructs recognition information including the recognized UGID and the disposable code and transmits the recognition information through the first channel, Receives the identification information including the UGID and the disposable code on the first channel connected to the operating app 420 of the user wireless terminal 400. [

The identification / authentication processing unit 235 reads the UGID included in the recognition information and reads the unique code concealed in the UGID. Preferably, the identification / authentication processor 235 reads the UGID through the decoding rule corresponding to the encoding rule for generating the UGID, and reads the unique code concealed in the UGID. For example, if the UGID is generated through at least one of the UGID generation embodiments of the present invention, the identification / authentication processing unit 235 may perform decoding (decoding) corresponding to at least one of the UGID generation embodiments The UGID can be read according to the rule and the inherent code hidden in the UGID can be read.

According to the embodiment of the present invention, the identification / authentication processing unit 235 reads a code code of the unique code read from the UGID, and separately codes a unique identification code for a merchant having the sound wave device 360, .

According to an embodiment of the present invention, the identification / authentication processing unit 235 identifies a unique code read from the UGID, 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 UGID to confirm whether the inherent code read from the UGID is a unique code that uniquely identifies the affiliated point having the actual acoustic wave device 360, 360), and at the same time, confirm that the sound wave device (360) is provided to the identified merchant.

According to an embodiment of the present invention, the identification / authentication processing unit 235 identifies a unique code read from the UGID, 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 UGID, and confirms the merchant-related information corresponding to the unique code read from the UGID It is possible to identify any one of the affiliated stores corresponding to the unique code read out from the UGID among the affiliated stores including the sound wave device 360 and to certify that the identified acoustic shop 360 is equipped with the affiliated store.

Meanwhile, when the identification information received through the recognition information receiving unit 230 includes the disposable code and seed information for authenticating the disposable code to the operation server 200, the identification / authentication processor 235 (Or a unique code read out from the UGID) corresponding to the affiliated merchant that is identified and authenticated, identifies seed information associated with the merchant-related information (or the unique code read out from the UGID) corresponding to the identified and authenticated merchant, and identifies one or more fixed seed values and at least one dynamic seed value , A time value corresponding to the current time (or standard time), and / or a value exchanged with the server side for authenticating the one-time code) to the specified code generation algorithm to generate a verification code of the specified code system, The validity of the disposable code can be verified by comparing the included one-time code with the verification code. Here, the UGID is used as identification means for authenticating the validity of the disposable code, and the disposable code is used for identifying the object identified through the UGID (e.g., a merchant with a sound device 360 and / The transaction registration information that is uniquely identified for a certain period of time through the UGID among the transaction registration information registered through the merchant terminal 300 of the merchant having the merchant terminal 300). Meanwhile, the validity authentication of the disposable code can be performed through a separate code server associated with the operation server 200, and thus the present invention is not limited thereto.

(Or a unique code read from the UGID) corresponding to the UGID among the affiliated stores having the sound wave device 360 (or the affiliated store corresponding to the UGID The transaction registration confirmation unit 240 determines whether the one-off code is valid or not at the same time as the transaction registration information registered through the merchant terminal 300 of the identified and authenticated merchant And confirms a transaction registration information uniquely identified through the UGID.

According to the embodiment of the present invention, transaction registration information registered from the merchant terminal 300 to the operation server 200 may be a plurality of transactions for a predetermined time, It is preferable that the transaction registration information is any one of the transaction registration information and the transaction registration confirmation unit 240 identifies the transaction registration information registered from the merchant terminal 300 operated by the identified and authenticated merchant through the UGID It is possible to confirm a transaction registration information which is uniquely identified.

Meanwhile, according to the embodiment of the present invention, when the validity time of the UGID has not elapsed but transaction registration information uniquely identified through the UGID is not confirmed, the merchant terminal 300 The UGID may be transmitted first through the merchant point sound wave device 360 and recognized through the operating app 420 of the user wireless terminal 400. In this case, (Or a designated timeout) from the merchant terminal 300, it is possible to wait for registration of transaction registration information uniquely identified for a predetermined time period via the UGID, The transaction registration information uniquely identified for a predetermined period of time can be confirmed through the UGID of the registration information. Alternatively, the transaction registration confirmation unit 240 provides information requesting the merchant terminal 300 (or the user wireless terminal 400) to register transaction registration information to be uniquely identified for a predetermined period of time through the UGID And then receives recognition information including the UGID (or a sound wave pattern matching UGID) from the operating application 420 of the user wireless terminal 400 again to identify the merchant having the sound wave device 360 And confirm the uniquely identified transaction registration information through the UGID.

If any transaction registration information uniquely identified for a predetermined period of time is confirmed through the UGID from among at least one transaction registration information registered through the merchant terminal 300 operated by the merchant that is uniquely identified through the UGID, The provider 245 confirms the amount information of the confirmed transaction registration information and confirms / calculates the transaction amount to be reversed through the user wireless terminal 400 based on the amount information. Preferably, the transaction information providing unit 245 can confirm / calculate a transaction amount to be reversed through at least one embodiment among the first through fourth transaction amount embodiments of the present invention.

The transaction information providing unit 245 may include at least one piece of information included in the transaction registration information (for example, a product ID, a transaction ID, (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 245 transmits the configured transaction information to the operating app 420 of the user wireless terminal 400 through the first channel connected to the operating app 420 of the user wireless terminal 400 . Meanwhile, the transaction information providing unit 245 can store and manage the UGID 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 through the first channel, outputs the transaction information through the designated interface screen on the application screen, Confirm that payment processing of information is determined. Upon determining the payment transaction of the transaction information, the operation app 420 checks (activates) the payment application 450 to process payment of the transaction information among various applications provided in the user wireless terminal 400 , And transmits the UGID used for receiving the transaction information to the payment application 450 that is driven (or activated). Preferably, the operating app 420 may share the UGID with the payment app 450 in the form of a parameter of an instruction to activate (or activate) the payment app 450. Alternatively, after the payment application 450 is activated (or activated), the operating app 420 may communicate with the payment application 450 according to an inter-process communication protocol provided by the operating system of the user wireless terminal 400 And the UGID can be shared and delivered to the activated (or activated) payment application 450 by performing the procedure.

The payment application 450 activated (or activated) by the user wireless terminal 400 receives the UGID from the operating application 420, configures the request information including the UGID within a specified effective time, And may transmit the request information including the UGID to the designated authentication server 100 on the payment system associated with the payment application 450 through the designated second channel within the validity period. The authentication server 100 relays the received request information (or UGID) to the designated operation server 200.

Referring to FIG. 2, the operation server 200 includes a UGID transmitted from a payment application 450 that is operated through the operating app 420 among the applications installed in the user wireless terminal 400 within a designated valid time The payment information for payment of the transaction amount is confirmed through the UGID, and the payment information of the payment application of the user wireless terminal 400 is transmitted to the user wireless terminal 400 via the designated path The payment information providing unit 255 processes the payment information to provide the payment information to the payment information providing unit 450 and the payment result information for the payment information in cooperation with the specified payment system and processes the payment result information as the payment result of the registered transaction registration information And a settlement result processing unit 260.

When the request information including the UGID is transmitted to the authentication server 100 on the payment system through the second channel designated by the payment application 450 of the user wireless terminal 400, the authentication server 100 transmits the request information And transmits the relay information to the operation server 200. The request information receiver 250 receives the request information including the UGID from the authentication server 100. [

The payment information providing unit 255 confirms the transaction information corresponding to the transaction registration information uniquely identified for a predetermined time through the UGID included in the request information (or the transaction information associated with the UGID) The authentication server 100 provides the payment information to the authentication server 100 after confirming the payment information for payment processing of the transaction amount of the transaction information and the authentication server 100 transmits the payment information to the payment application 450 of the user wireless terminal 400. [ And provides the payment information.

The payment application 450 of the user wireless terminal 400 outputs the payment information through the designated payment interface screen and performs the payment process on the terminal of the payment application 450, And the payment server 105 may perform a server-side payment procedure corresponding to the terminal-side payment procedure performed through the payment application 450. [

The payment server 105 confirms the payment result information of the payment procedure and provides the payment result information to the payment application 450 of the user wireless terminal 400 and / (Or provide to the operational server 200 through the authentication server 100) the payment result to the operating server 200. The payment result processing unit 260 may receive the payment information from the payment server 105 105), and provides the payment result information to the merchant terminal 300 that has registered the transaction registration information corresponding to the payment result information. The payment result processing unit 355 and 260 can receive the payment result information from the payment application 450 (or the operating app 420) of the user wireless terminal 400 according to the embodiment, The invention is not limited.

FIG. 3 is a diagram showing a functional configuration of a franchise-station-side terminal 300 and a sound wave device according to an embodiment of the present invention.

More specifically, FIG. 3 illustrates a functional configuration of a merchant terminal 300 operated by an affiliated store having a sound wave device 360 and a sound wave device 360 provided at the affiliated store, It is possible to refer to and / or modify the FIG. 3 to various methods (for example, some of the constituent parts are omitted or the functions of the sound wave device 360 are omitted) 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 generic name of a nonvolatile memory included in the terminal 300 and includes at least one program code executed through the terminal control unit 302 and at least one data set used by the program code And stores it. The terminal memory 314 basically comprises a system program code and a system data set corresponding to the operating system of the terminal 300, a communication program code and a communication data set for processing a wireless communication connection of the terminal 300, An application program code and an application data set, 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 sound wave device 360 provided at the affiliate store and 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.). Preferably, the franchise-point-side terminal 300 may operate in conjunction with the sound wave 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 sound wave 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 merchant registration information for a merchant having the sound wave device 360, merchant information given to the merchant for settlement, and terminal information provided at the merchant shop 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 sound wave 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.

On the other hand, when generating the one-time code including the code value of the designated code system in the merchant terminal 300, the information registering unit 325 registers the seed information for generating / authenticating the disposable code with the designated operation server 200 (E.g., a rule for determining a fixed seed value and / or a seed value), and may exchange the exchanged / shared seed information with a designated storage area (or storage area) of the merchant terminal 300 A designated storage area of the sound wave device 360 of the merchant point).

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 UGID generating unit 330 for uniquely identifying a merchant having the sound wave device 360 and generating a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information, And a UGID registration unit 340 for transmitting the generated UGID to the designated operation server 200 and registering the UGID to the designated operation server 200. The UGID registration unit 340 identifies the affiliated member And a code generation unit (345) for generating a one-time code including a code value of the designated code system for authenticating the validity of the transaction registration information identified for a certain time via the UGID.

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 UGID generator 335 may generate at least one of the UGID generation embodiments 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 And separately generates a UGID that uniquely identifies a particular transaction corresponding to the transaction registration information. Preferably, the UGID may be generated so as to be able to read the designated unique code only through a predetermined specific device / server and to have different code values for each transaction corresponding to the transaction registration information.

According to the embodiment of the present invention, the UGID generator 335 identifies a unique code that uniquely identifies a merchant having the sound wave device 360 separately, and reads the unique code only through a specified device / server The UGID of the designated code system generated so as to have a different code value for each transaction corresponding to the transaction registration information can be generated. The UGID generator 335 may generate the UGID that conceals the unique code according to at least one embodiment of the UGID generation embodiment of the present invention.

Meanwhile, according to another embodiment of the present invention, the UGID 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 sound wave device 360 ) And a UGID in the form of a code value that uniquely identifies a particular transaction corresponding to the transaction registration information can be generated, and thus the present invention is not limited thereto.

When the UGID is generated through the UGID generator 335, the UGID register 340 transmits the generated UGID to the designated operation server 200 and requests registration. The operation server 200 may store the transaction registration information and the UGID in association with each other, and may provide the registration result information including the registration result of linking the UGID and the transaction registration information to the merchant terminal 300, The transaction registration unit 330 (or the UGID registration unit 340) receives the registration result information from the operation server 200.

The code generation unit 345 includes a code value of a code system specified for authenticating the validity of the registered transaction registration information with a merchant (unspecified) having a unique identification through the UGID You can create a one-off code to do this. Preferably, the code generator 345 may generate the disposable code through at least one of the first to third disposable code generation embodiments of the present invention.

Referring to FIG. 3, the merchant application 320 of the merchant terminal 300 receives the sound wave signal (or the sound wave signal) obtained by encoding the UGID through the merchant-side sound wave device 360 connected through the interface unit 310 (Sound wave signal including a sound wave pattern matched with the UGID) to be transmitted to a nearby location.

The signal transmission processing unit 350 confirms the UGID received through the UGID receiving unit 215 and provides the UGID to the sound wave device 360 associated with the merchant through the interface unit 310 within a specified effective time The sound wave signal obtained by encoding the UGID (or the sound wave signal including the sound wave pattern matched with the UGID) may be transmitted through the sound wave device 360 in a short distance. Meanwhile, when the disposable code is generated through the code generation unit 345, the signal transmission processing unit 350 transmits the UGID received through the UGID receiving unit 215 and the generated disposable code to the interface unit 310, To the merchant-side sound wave device 360 via the sound wave device 360, so that the sound wave signal obtained by encoding the UGID and the disposable code can be transmitted through the sound wave device 360 in a short distance. Meanwhile, the disposable code may be generated through the sound wave device 360 and included in the sound wave signal.

Referring to FIG. 3, the franchise point side sound wave device 360 includes a device control unit 362, a device memory 366, a terminal interlocking unit 364, and an acoustic signal unit 368.

The device control unit 362 is a generic term for controlling the operation of the sound wave device 360 of the merchant point and 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 sound wave device 360 into the execution memory through the processor, and outputs the result through at least one And controls the operation of the sound wave device 360. 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 sound wave device 360 will be described in the device control unit 362 for convenience.

The device memory 366 is a collective term for a nonvolatile memory included in the sound wave device 360 and includes at least one program code executed through 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 sound wave device 360, a communication program code and communication data set for processing a wireless communication connection of the sound wave 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.). Preferably, the franchise-point-side sound wave device 360 may be interlocked with the franchise-point-side terminal 300 provided at the franchisee through the terminal interlocking portion 364.

The sound wave signal unit 368 is a collective term for a sound wave signal input through the sound wave input unit 410 provided in the user wireless terminal 400 and transmits a sound wave signal of a specified frequency band that can be digitized. In addition to transmitting the sound wave signal, And a function of receiving a specified sound wave signal. The sound wave signal unit 368 modulates the information set generated through the device control unit 362 into a sound wave signal of a designated frequency band and outputs the signal wave (for example, a signal capable of being received through the wireless terminal 400 within a specified distance Strength, etc.). Or the sound wave signal unit 368 may receive and demodulate the sound wave signal of the designated frequency band and may transmit the obtained data to the device control unit 362. The device control unit 362 may perform the information processing procedure corresponding to the data Can be performed.

According to an embodiment of the present invention, the sound wave signal portion 368 is configured to convert an analogized sound wave signal of a designated frequency range (e.g., an audible frequency range or an audible frequency range, etc.) through a specified sound wave output device And the sound wave signal may include a sound wave pattern in which designated digital information such as UGID is encoded or matched with UGID. Preferably, the sound wave signal portion 368 can transmit a sound wave signal corresponding to the sound wave signal transmission embodiment of the present invention.

Referring to FIG. 3, the merchant-side sound wave device 360 includes an information checking unit 370 for checking a UGID to be transmitted through a sound wave signal of a designated frequency band, (Or an acoustic wave signal including a sound wave pattern matched with the transmission information) obtained by encoding the transmission information configured through the sound wave signal unit 368 (the signal transmission unit 380).

The information verifying unit 370 checks the UGID to be transmitted through the sound wave signal in cooperation with the merchant terminal 300 through the terminal interlocking unit 364. [ Meanwhile, the information verifying unit 370 checks the disposable code to be transmitted through the sound wave signal in cooperation with the merchant-side terminal 300 through the terminal interlocking unit 364, or transmits the disposable code through the sound wave signal You can generate one-off codes to do.

The information constructing unit 375 constructs transmission information including the identified UGID in a designated information structure readable by the operating app 420 of the user wireless terminal 400. [ When the disposable code is confirmed / created through the information verifying unit 370, the information constructing unit 375 generates the UGID using the identified information structure readable by the operating app 420 of the user wireless terminal 400, And dispatch information including a disposable code. Hereinafter, the feature of the present invention will be described focusing on an embodiment in which UGID and disposable code are included in the transmission information.

When the transmission information including the UGID and the disposable code is configured through the information configuration unit 375, the signal transmission unit 380 transmits the transmission information including the UGID and the disposable code, through the sound wave signal unit 368, (Or an acoustic wave signal including a sound wave pattern that matches the transmission information) is sent out at a designated signal intensity (for example, a signal strength that can be received through the wireless terminal 400 within a specified distance), and the sound wave signal The signal unit 368 transmits a sound wave signal of a designated frequency band including transmission information provided by the signal transmission unit 380 through a predetermined sound wave output unit.

Meanwhile, according to an embodiment of the present invention, the operating app 420 executed by the user wireless terminal 400 may transmit a request signal for requesting the sound wave signal, and the sound wave signal unit 368 may transmit the request And provides the data to the device control unit 362. The device control unit 362 controls the information checking unit 370 to check the UGID and the disposable code according to the request signal, And / or controls to configure the transmission information including the UGID and the disposable code through the information configuration unit 375, and / or transmits the sound wave signal including the transmission information through the signal transmission unit 380 So that the sound wave signal corresponding to the request signal can be transmitted, 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 shows a functional configuration of the operating app 420 and the payment app 450 installed in the user wireless terminal 400 and a configuration of the wireless terminal 400. The functional description of the present invention Those skilled in the art will be able to refer to and / or modify the FIG. 4 to derive various implementations of the functionality of the wireless terminal 400, but the present invention includes all of the above- And the technical features thereof 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 output unit 408, and a sound input 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 and the payment app 450 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 wave output unit 408 includes a sound wave output unit (e.g., a speaker) and a drive module for driving the sound wave output unit 408. The sound wave output unit 408 decodes data corresponding to a sound wave output among various calculation results of the control unit 402, Analog output is output through the output device.

The sound wave input unit 410 includes a sound wave input unit (e.g., a microphone or the like) and a drive module for driving the sound wave input unit 410. The sound wave input unit 410 digitizes and / or encodes the analog sound wave input through the sound wave input unit, . Preferably, the sound wave signal transmitted through the sound wave device 360 according to the present invention is also input through the sound wave input unit 410, digitized and transmitted to the control unit 402, do.

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, Processing module, and is connected to the controller 402 to transmit the operation result corresponding to the wireless communication among the various operation results of the controller 402 through the wireless communication network or receive data through the wireless communication network To the control unit 402, and performs the connection, registration, communication, and handoff procedures 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 402 of the wireless terminal 400 accesses a designated operating app 420 and a payment app 450 from a designated application providing server (for example, an Apple App Store or the like) through a data network connectable via the communication resource You can download and install it.

4, the operating app 420 of the wireless terminal 400 includes a signal check unit 425 for confirming a sound wave signal input from the sound wave device 360 at the merchant point through the sound wave input unit 410, A signal recognition unit 430 for recognizing a UGID included in the sound wave signal input from the franchise point side sound wave device 360, a recognition unit 430 for recognizing the sound signal including the recognized UGID (or a sound wave pattern matched with the UGID) A recognition information transmitting unit 435 for composing the information and transmitting the information to the designated operation server 200; and an identification information transmitting unit 435 for reading the UGID from the operation server 200 and identifying a franchisee visited by the user as an affiliated store having the sound wave device 360 And confirms any transaction registration information uniquely identified through the UGID among the transaction registration information registered through the identification and authenticated merchant terminal 300, Amount information for And a and receiving the transaction information including the transaction amount corresponding to transaction information receiving unit 440, for processing such transactions procedure is performed utilizing the trade transaction information processing section 445. ,

The signal verifying unit 425 receives at least one of the first to fourth operational app operation embodiments of the present invention and transmits the sound wave signal transmitted from the merchant point side sound wave device 360 through the sound wave input unit 410 Check if it is received. If the sound wave signal transmitted from the franchise point-side sound wave device 360 is received, the signal recognition unit 430 reads the data corresponding to the sound wave signal confirmed through the signal check unit 425, And recognizes the sound wave pattern information (or the sound wave pattern ID, etc.) corresponding to the sound wave signal according to the method. If the disposable code is included in the sound wave signal, the signal recognition unit 430 may read the data corresponding to the sound wave signal and recognize the UGID and the disposable code included in the sound wave signal. Hereinafter, the technical features of the present invention will be described with reference to an embodiment in which UGID and disposable code are included in the sound wave signal for convenience, but the present invention is not limited thereto.

When the UGID and the disposable code included in the sound wave signal are recognized through the signal recognition unit 430, the recognition information transmission unit 435 constructs recognition information including UGID and disposable code recognized through the sound wave signal And connects the first channel to the designated operation server 200 via the communication network connected through the short-range network communication unit 412 and the wireless network communication unit 414, And transmits the configured identification information to the operation server 200.

The operation server 200 receives the UGID and the disposable code by connecting the first channel to the operating app 420 of the user wireless terminal 400 and reads the UGID included in the identification information And can identify and authenticate any one of the franchisees having the sound wave device 360 corresponding to the read unique code using the read unique code.

On the other hand, when seed information for authenticating the disposable code is provided to the operation server 200, the operation server 200 generates a verification code of a designated code system through the seed information corresponding to the identified and authenticated merchant , The validity of the disposable code can be verified by comparing the disposable code of the identification information with the verification code.

When the merchant corresponding to the read unique code is identified and authenticated (or when the validity of the disposable code is authenticated at the same time that the merchant corresponding to the read unique code is identified and authenticated), the operation server 200 transmits the identification authentication The transaction registration information which is uniquely identified for a predetermined period of time through the UGID among the transaction registration information registered from the merchant terminal 300 operated by the affiliated merchant in the first to fourth transaction amount embodiments And the transaction information includes at least one information included in the transaction registration information according to an embodiment of the present invention, and / or includes at least one information included in the transaction registration information, and / And transmits the created 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 transaction processor 445 confirms that the settlement of the transaction information is determined to be processed through the interface screen. If it is determined to process the settlement of the transaction information, the transaction processor 445 processes the transaction procedure using the transaction information. According to the embodiment of the present invention, the transaction procedure using the transaction information is performed through a designated separate payment application 450. To this end, the transaction processing unit 445 transmits the payment application 450 (Or activating) the payment app 450 installed in the wireless terminal 400. The payment app 450 may be installed in the mobile terminal 400, (Or activates) the UGID to the payment app 450 while (or after) activating (or activating) the UGID.

4, the payment application 450 of the wireless terminal 400 is operated (or activated) in the wireless terminal 400 and at the same time is checked whether it is driven (or activated) through the designated operating application 420 A UGID verifying unit 460 for verifying UGIDs transmitted from the operating app 420 and a UGID verifying unit 460 for constructing request information including the verified UGIDs and transmitting the UGIDs to the authentication server 100, A request information transmitting unit 465 for transmitting the request information to the operation server 200 via the UGID of the request information and transmitting the request information to the specified operation server 200 through the UGID of the request information, A payment information receiving unit 470 for receiving the payment information for payment of the transaction amount from the authentication server 100 when the payment information for payment of the transaction is provided to the authentication server 100, In conjunction with the payment server 105 on And a settlement processing unit 475 for performing a settlement procedure for the settlement information.

The state checking unit 455 controls the operation of the payment application 450 in the wireless terminal 400 while the payment application 450 is activated (or activated) through the designated operation application 420, (Or activated) according to the conventional driving (or activation) procedure. Preferably, when the payment application 450 is activated (or activated) through the operating app 420, information and / or parameters specified from the operating app 420 may be shared, 455 may read the transferred information and / or parameters and confirm that they are driven (or activated) through the operating app 420.

When the payment app 450 is activated (or activated), the UGID checking unit 460 checks the UGID shared and transmitted from the operating app 420. The UGID verifying unit 460 reads the parameter transmitted from the operating app 420 to activate (or activate) the payment app 450 and confirms the UGID shared and transmitted from the operating app 420 And / or receive the UGID from the operating application 420 through the inter-process communication protocol provided by the operating system of the wireless terminal 400.

When the shared application UGID is confirmed from the operating application 420, the request information transmitting unit 465 configures the request information including the confirmed UGID, Transmits the request information to the authentication server 100 through a second channel communicating with the authentication server 100. The authentication server 100 receives the request information and relays the request information to the designated operation server 200 . The operation server 200 confirms payment information for settlement of the transaction amount designated through the UGID of the request information and provides the confirmed payment information to the authentication server 100. [ The authentication server 100 transmits the payment information to the payment application 450 of the user wireless terminal 400 and the payment information receiver 470 receives the payment information through the second channel communicating with the authentication server 100 Receives the settlement information for settlement of the transaction amount, and displays the received settlement information through the designated settlement interface screen.

The settlement processing unit 475 may process settlement for the settlement information (= transaction amount) by performing a terminal-side settlement procedure included in the settlement application 450. Preferably, the settlement processing unit 475 And can process payment of the payment information in cooperation with the payment server 105 on the payment system. For this, the payment server 105 may perform a server-side payment procedure corresponding to the terminal-side payment procedure performed through the payment application 450.

The payment server 105 confirms the payment result information of the payment procedure and provides the payment result information to the payment application 450 of the user wireless terminal 400 and / (Or provide the information to the operation server 200 through the authentication server 100) to the operation server 200 and the payment processor 475 may receive the payment result information from the payment server 105 And can receive and output it.

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

More specifically, FIG. 5 illustrates an example of an information registration process for reverse payment using a sound wave device 360 provided at an affiliate shop. As a person skilled in the art, 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.

Referring to FIG. 5, a merchant terminal 300 operated by an affiliated store having a sound wave device 360 for transmitting a specified sound wave signal transmits merchant registration information for the merchant to the designated operating 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 sound wave device 360 requests the designated operating server 200 to register a unique code for separately identifying the merchant having the sound wave 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).

On the other hand, in the case where a merchant having the sound wave device 360 generates a disposable code during reverse payment using the sound wave device 360, the merchant-side terminal 300 generates seed information for generation / authentication of the disposable code The operation server 200 confirms seed information for confirming / determining the seed value necessary for authenticating the one-time code to be generated during the reverse-based payment based on the sound wave device 360 (530) . If the seed information is confirmed, the operation server 200 associates the unique code (or merchant-related information) with the seed information and stores it in a designated storage medium (535).

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

In more detail, FIG. 6 shows a case where a merchant terminal 300 operated by an affiliated store equipped with a sound wave device 360 requests transaction registration information including amount information for reverse payment to be registered in the operation server 200, Side terminal 300 to the operation server 200, the operation server 200 registers the transaction registration information and the UGID in association with each other, and then transmits the UGID to the sound wave of the affiliate shop And the signal is transmitted in the backward direction to be included in the sound wave signal transmitted from the device 360. It will be apparent to those skilled in the art that the present invention can be implemented by referring to and / (For example, some steps may be omitted or an order change may be performed) for the transaction registration or the reverse UGID 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, the merchant terminal 300 operated by an affiliated store having a sound wave device 360 for transmitting a specified sound wave signal receives money amount information for reverse payment using the sound wave 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. Meanwhile, the franchise-side terminal 300 includes the sound wave device 360 and checks a unique code for uniquely identifying the franchisee that registered the transaction registration information (615). On the other hand, in the embodiment in which the franchisee having the sound wave device 360 is not provided with a unique code, the franchise-side terminal 300 can generate the UGID through the embodiment of FIG.

If the unique code identifying the franchisee that has the sound wave device 360 and registered the transaction registration information is identified, the franchise point terminal 300 can read the identified unique code only through the designated specific device / server And identifies the merchant having the sound wave device 360 and generates a UGID that uniquely identifies the specific transaction corresponding to the transaction registration information (620). Preferably, the franchise-point-side terminal 300 uniquely identifies a franchisee having the sound wave device 360 through at least one embodiment of the UGID generation embodiment of the present invention, A UGID may be generated that uniquely identifies the transaction (620).

If the UGID is generated, the merchant terminal 300 requests the operation server 200 to register the UGID (625), and the operation server 200 receives the UGID from the merchant terminal 300 (630), stores the transaction registration information and the UGID in association with the specified storage medium (635), and transmits the registration result including the registration result in which the transaction registration information and the UGID are registered in association with the merchant terminal Information is transmitted (640).

The merchant terminal 300 receives the registration result information from the operation server 200 (645), substitutes a seed value confirmed / determined through the designated seed information into a designated code generation algorithm, identifies the UGID (650) a one-off code of a designated code system for authenticating an object (for example, a transaction registration information registered at an affiliated shop having the sound wave device 360 and / or an affiliated shop equipped with the sound wave device 360). Meanwhile, the disposable code may be omitted according to the method of operation, or may be generated through the sound wave device 360 of the merchant point, and thus the present invention is not limited thereto.

If the one-time code is generated, the merchant terminal 300 requests the sound wave device 360 to transmit the sound wave signal encoding the UGID and the disposable code through the merchant-point-side sound wave device 360 associated with the merchant- (660), and the UGID and the disposable code are transmitted in a designated structure (for example, operation of the user wireless terminal 400) (A structure recognizable by the application 420) (665), and transmits (670) an acoustic wave signal including the transmission information through a sound wave signal of a designated frequency band (670) 360 are received by the user wireless terminal 400 in a short distance.

FIG. 7 is a diagram illustrating a transaction registration process or a reverse UGID delivery process according to another embodiment of the present invention.

In more detail, FIG. 7 shows a case where a merchant terminal 300 operated by an affiliated store having a sound wave device 360 requests transaction registration information including amount information for reverse payment to be registered in the operation server 200, Side terminal 300 to the operation server 200. The operation server 200 registers the transaction registration information and the UGID in association with each other and transmits the UGID to the sound wave device 360 Signal, the present invention is not limited thereto. Those skilled in the art will be able to refer to and / or modify FIG. 7 to determine whether the transaction registration or the reverse UGID 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, the merchant terminal 300, which is operated by a merchant having a sound wave device 360 that transmits a specified sound wave signal, receives amount information for reverse payment using the sound wave 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 sound wave device 360 and uniquely identifies the merchant registering the transaction registration information and generates a UGID that uniquely identifies a specific transaction corresponding to the transaction registration information 715). Preferably, the franchise-point-side terminal 300 separately identifies a franchisee having the sound wave device 360 by including (or concealing) a temporary unique code determined not to be duplicated for a predetermined period of time, A UGID may be generated 715 that uniquely identifies the corresponding specific transaction.

If the UGID is generated, the merchant terminal 300 requests the operation server 200 to register the UGID 720, and the operation server 200 receives the UGID from the merchant terminal 300 (725), stores the transaction registration information in association with the UGID and stores the transaction registration information in a designated storage medium (730), and transmits the registration result including the registration result in which the transaction registration information and the UGID are registered in association with the merchant terminal Information is transmitted (735).

The merchant terminal 300 receives the registration result information from the operation server 200 in operation 740 and substitutes a seed value determined / determined through the designated seed information into a designated code generation algorithm and identifies (745) the one-time code of the designated code system for authenticating the object (for example, the transaction registration information registered at the merchant having the sound wave device 360 and / or the merchant having the sound wave device 360). Meanwhile, the disposable code may be omitted according to the method of operation, or may be generated through the sound wave device 360 of the merchant point, and thus the present invention is not limited thereto.

If the one-time code is generated, the merchant terminal 300 requests the sound wave device 360 to transmit the sound wave signal encoding the UGID and the disposable code through the merchant-point-side sound wave device 360 associated with the merchant- (750). The merchant-side sound wave device 360 confirms the UGID and the disposable code to be transmitted through the specified sound wave signal (755), and transmits the UGID and the disposable code to the designated structure (A structure recognizable by the application 420) and transmits (760) an acoustic wave signal including the transmission information through an acoustic wave signal in a designated frequency band (765), and transmits the acoustic wave signal including the transmission information to the sound wave device 360 are received by the user wireless terminal 400 in a short distance.

FIG. 8 is a diagram illustrating a process of recognizing a sound wave signal and interfacing a first channel of a user wireless terminal 400 according to an embodiment of the present invention.

More specifically, FIG. 8 is a flowchart illustrating a method of receiving and reading a sound wave signal transmitted from the merchant-side sound wave 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 UGID and the disposable code on the first channel connected to the designated operation server 200. The operation server 200 then transmits the identification information including the UGID to the operation server 200 through the UGID, Identifies and authenticates the merchant and identifies any transaction registration information uniquely identified through the UGID among transaction registration information registered at the identified and authenticated merchant, and then transmits the transaction registration information to the operating app of the user wireless terminal (400) through the first channel The transaction information including the transaction amount that is confirmed / calculated based on the amount information of the transaction registration information. The present invention is not limited to the above- (See, for example, FIGS. 8A and 8B), various methods of recognizing the sound wave signal to the first channel interlocking process (for example, However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 8, when a sound wave signal obtained by encoding the UGID and the disposable code is transmitted from the sound wave device 360 of the merchant through the process shown in FIG. 6 or 7, The controller 420 checks whether a specified sound wave signal transmitted through the sound wave device 360 is input through the sound wave input unit 410 of the user wireless terminal 400 in operation 800. If it is confirmed that the designated sound wave signal transmitted through the merchant point-side sound wave device 360 is input, the operating app 420 of the user wireless terminal 400 reads the input sound wave signal and recognizes the UGID and the disposable code (805). Preferably, the operating app 420 of the user wireless terminal 400 may be implemented in at least one of the first through fourth operating modes of operation of the present invention, The UGID and the disposable code can be recognized by reading and receiving the sound wave signal.

If the UGID and the disposable code are recognized through the sound wave signal input from the franchise point-side sound wave device 360, the operating app 420 of the user wireless terminal 400 receives the identification information including the UGID and the disposable code And transmits identification information including the UGID and the disposable code to the operation server 200 through the first channel by connecting the first channel with the operation server 200 in operation 810.

The operation server 200 receives (815) recognition information including the UGID and the disposable code on the first channel (815), reads the UGID of the recognition information (e.g., decodes the UGID corresponding to the encoding rule (820), and then the wireless terminal 400 (or the operating application 400) using the information registered through the process of FIG. 5 and the read unique code is read (Step 420), that is, the franchisee having the sound wave device 360 (step 825). If the temporary unique code is included in the UGID, the read temporary id code is read through the temporary unique code included in (or hidden from) the UGID associated with the transaction registration information registered from each merchant, The present invention is not limited to this.

Meanwhile, if the merchant having the sound wave device 360 is not authenticated through the UGID included in the identification information, the operation server 200 transmits the recognition result to the operating app 420 of the user wireless terminal 400 (830) an identification / authentication error for the UGID included in the information, and the operating app 420 of the user wireless terminal 400 receives and outputs the identification / authentication error (835).

Meanwhile, when the merchant having the sound wave device 360 is uniquely identified and authenticated through the UGID included in the recognition information, and the disposable code is included in the identification information, the operation server 200 performs the process of FIG. 5 It is possible to confirm the validity of the disposable code included in the recognition information by confirming the seed code linked with the unique code read out from the UGID (or the merchant-related information of the identified and authenticated merchant) (840).

If the validity of the disposable code is not authenticated, the operation server 200 provides an authentication error of the disposable code included in the identification 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 authentication error (835).

Meanwhile, if the franchisee having the sound wave device 360 is uniquely identified and authenticated through the UGID of the identification information, and the validity of the one-time code of the identification information is authenticated according to the method, the operation server 200 transmits the UGID (845) transaction registration information that is uniquely identified for at least a certain period of time. If the transaction registration information identified through the UGID is not confirmed, the operation server 200 can wait for the transaction registration information to be identified for a certain period of time to be registered through the UGID at the merchant that is uniquely identified through the UGID (Step 855). If the transaction registration information identified through the UGID is confirmed, the transaction amount corresponding to the amount information of the transaction registration information is confirmed / calculated 855, and the operation app of the user wireless terminal 400 420, and the operation application 420 of the user wireless terminal 400 receives and outputs the transaction information including the transaction amount (step 860) 865).

9 is a diagram illustrating a process of interworking between an operating app and a payment app of a user wireless terminal according to an embodiment of the present invention.

FIG. 9 shows an embodiment of an interworking process between an operating app 420 and a payment app 450 of a user wireless terminal 400 that has received transaction information through the process of FIG. 8, Those skilled in the art will be able to refer to and / or modify this FIG. 9 to illustrate various implementations of the interoperability process between the operational application 420 and the payment application 450 (e.g., The present invention is not limited to the above-described embodiments, but may be practiced otherwise than as specifically described herein.

Referring to FIG. 9, the operational application 420 of the user wireless terminal 400 that received the transaction information through the process of FIG. 8 checks 900 whether or not settlement of the transaction information is determined. If the settlement of the transaction information is determined, the operating app 420 determines whether the payment application 450 designated to process the transaction information is installed in the user wireless terminal 400 (905). If the payment application 450 is not installed in the user wireless terminal 400, the operating application 420 performs a procedure to guide the user wireless terminal 400 to install the payment application 450 (Or activates) the payment application 450 installed in the user wireless terminal 400 when the payment application 450 is installed in the user wireless terminal 400, (Or activates) the sound wave signal input from the sound wave device 360 of the merchant point to the payment application 450 and shares the UGID used for receiving the transaction information (915).

If it is confirmed that the payment application 450 installed in the user wireless terminal 400 is activated (or activated) (920), the payment application 450 reads its status and operates through the operating application 420 (Or activated) (925). If the payment application 450 is not activated (or activated) (for example, driven (or activated) according to the conventional method) through the operational application 420, Processing procedure may be performed (930). Meanwhile, when the payment application 450 is activated (or activated) through the operating app 420, the UGID is shared (935) from the operating app 420, and the request information including the UGID is configured (940).

FIG. 10 is a diagram illustrating a second channel interworking or reverse payment process according to an embodiment of the present invention.

In more detail, FIG. 10 is a flow chart illustrating a payment application 450 of a user wireless terminal 400 receiving payment information for payment of a transaction amount from the operation server 200 through a second channel via the authentication server 100 on the payment system And processing the settlement of the settlement information through the settlement server 105 in the settlement system. As shown in FIG. 10, if a person skilled in the art is familiar with the present invention, (For example, omitting some steps or changing the order) of the second channel interworking or the reverse interfacing process, the present invention can be applied to the inferred And the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 10, a payment application 450 activated (or activated) by a user wireless terminal 400 connects a second channel with an authentication server 100 on a payment system, 420 transmits the request information including the shared UGID to the authentication server 100 from the payment application 450 of the user wireless terminal 400 through the second channel (1005), and relays it to the designated operation server 200 (1010).

The operation server 200 receives the request information from the authentication server 100 in operation 1015 and transmits the transaction information provided to the operating app 420 of the user wireless terminal 400 using the UGID of the request information And confirms payment information for payment processing of the included transaction amount (1020). If payment information for payment of the transaction amount is confirmed, the operation server 200 transmits the payment information to the authentication server 100 (1025), and the authentication server 100 transmits the payment information to the operation server 200 (1030), and transmits the payment information to the payment application 450 of the user wireless terminal 400 through the second channel (1035).

The payment application 450 of the user wireless terminal 400 receives the payment information from the authentication server 100 through the second channel and outputs the payment information (1040), and determines whether payment processing of the payment information is determined (1045). If the settlement process of the settlement information is determined, the settlement app 450 performs the settlement process for settlement of the settlement information according to the settlement procedure set in the corresponding app, and at the same time, (1050). The payment server 105 performs a server-side payment procedure for the payment information in cooperation with the payment application 450 of the user wireless terminal 400 and confirms payment result information for the payment procedure (1055). In the present invention, the payment procedure performed by the payment application 450 and the payment server 105 in cooperation with each other includes all the payment procedures to be proposed / implemented in addition to the existing wireless payment procedure, and is not limited to a specific payment procedure.

If the settlement result information for the settlement procedure is confirmed, the settlement server 105 provides the settlement result information to the settlement application 450 and the operation server 200 of the user wireless terminal 400 (1060) , The payment application 450 of the user wireless terminal 400 receives and outputs the payment result information that has processed the payment information in operation 1065. The operation server 200 receives the payment result information, The merchant terminal 300 provides the payment information to the merchant terminal 300 (step 1070), and the merchant terminal 300 receives and outputs the payment result information.

100: Authentication server 105: Payment server
200: Operation server 205: Information storage unit
210: transaction registration receiving unit 215: UGID receiving unit
220: Transaction registration manager 225: Registration result provider
230: recognition information receiving unit 235: identification /
240: Transaction registration confirmation unit 245: Transaction information provider
250: request information receiving unit 255: payment information providing unit
260: Payment progress processing unit 300:
310: Interface Unit 315: Merchant Payment Unit
320: App for merchants 325: Information registration
330: Transaction register 335: UGID generator
340: UGID registering unit 345: Code generating unit
350: signal transmission processing section 355: result processing section
360: Sound wave device at merchant point 370:
375: Information constructing section 380: Signal transmitting section
400: user wireless terminal 410: sound wave input unit
420: Operating App 425: Signal Verification Unit
430: Signal recognition unit 435: Identification information transmission unit
440: Transaction information receiving unit 445: Transaction processor
450: Payment App 455: Status Checker
460: UGID checking unit 465: request information transmitting unit
470: payment information receiving unit 475:

Claims (15)

A method for communicating with an affiliate shop terminal operated by an affiliate shop having a sound wave device for transmitting a specified sound wave signal and an operation server communicating with a user wireless terminal visited at an affiliate shop,
The operation server receives transaction registration information including amount information from an affiliate shop terminal operated by an affiliated store having the sound wave device, and uniquely identifies a merchant having the sound wave device separately and at the same time, A first step of receiving a Unique Generated IDentification (UGID) generated through the merchant terminal in order to uniquely identify a specific transaction;
A second step of the operation server associating and storing the transaction registration information with the UGID;
The operating server reads the sound wave signal from the designated operating app of the user wireless terminal that has received the sound wave transmitted from the franchisee's sound wave device at the franchisee and transmits the recognition information including information corresponding to the recognized UGID A third step of receiving the data;
The operation server reads the UGID corresponding to the recognition information and uniquely identifies the merchant having the sound wave device, and at the same time identifies a transaction registration information that is uniquely identified through the UGID among the transaction registration information registered in the identification and authenticated merchant A fourth step of confirming information;
A fifth step of, when the transaction registration information is confirmed, the operation server providing 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;
A sixth step of receiving, from the operating server, request information including a UGID via a designated path from a payment application driven through the operating app among the applications installed in the user wireless terminal; And
And the operation server confirms the payment information for payment of the transaction amount through the UGID and processes the payment information to be provided to the payment application of the user wireless terminal via the designated route. Asynchronous reverse payment method based on app linkage using.
The method according to claim 1,
Confirming a unique code that uniquely identifies a merchant having the sound wave 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, The method as set forth in claim 1, further comprising the steps of:
2. The method of claim 1,
And a unique code that uniquely identifies the merchant having the sound wave device is read out and hidden.
2. The method of claim 1,
The asynchronous reverse payment method based on an app interlocking method using a sound wave device, wherein a unique code that uniquely identifies a merchant having a sound wave device is hidably read out and has 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 sound wave 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 The method as claimed in claim 1, further comprising:
2. The method of claim 1,
A unique code that uniquely identifies a merchant having a sound wave device 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 a server, And the code value is generated in the case of the asynchronous reverse payment method.
2. The method of claim 1,
A unique code for uniquely identifying a merchant having a sound wave device, specific time information, and random number information according to a specified encoding rule so that the unique code can be read only through a predetermined device or server, Wherein the information is generated so as to have a different code value for each piece of information, and the asynchronous reverse payment method based on an app linkage using a sound wave device.
8. The method according to any one of claims 2 to 7,
In order to uniquely identify the merchant having the sound wave device separately, a unique code,
In order to uniquely identify a merchant terminal having a sound wave device, a unique code,
And an inherent code of the inherent code determined not to be duplicated in order to uniquely identify the sound wave device provided at the merchant. The asynchronous reverse payment method based on an app linkage using a sound wave device.
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 that uniquely identifies a merchant having a sound wave device. The method as claimed in claim 1, further comprising:
2. The method according to claim 1,
Further comprising the step of providing UGIDs associated with the transaction registration information to the merchant terminal, wherein the UGID is associated with the transaction registration information.
3. The method according to claim 2,
Reading out the UGID, reading the unique code concealed in the UGID, and identifying and authenticating a franchisee having the sound wave device using the read unique code. Based asynchronous reverse payment method.
The method according to claim 1,
Further comprising confirming and storing seed information for authenticating the disposable code to be dynamically generated by the operation server through the merchant terminal,
Wherein the recognition information further includes a recognized disposable code by reading the sound wave signal from the operating app,
Wherein the fourth step further comprises the step of authenticating the validity of the one-time code using the seed information.
The method according to claim 1,
Further comprising confirming and storing the seed information for authenticating the one-time code to be dynamically generated through the sound device of the merchant,
Wherein the recognition information further includes a recognized disposable code by reading the sound wave signal from the operating app,
Wherein the fourth step further comprises the step of authenticating the validity of the one-time code using the seed information.
The method according to claim 1,
Further comprising the step of, when the transaction registration information is not confirmed, registering the transaction registration information identified by the UGID through the merchant terminal of the merchant that is uniquely identified through the UGID when the transaction registration information is not confirmed. Asynchronous reverse payment method based on app linkage using.
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.

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